davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (WA)

XX/XX/2019 VISA Credit Card Statement from XXXX Bank ( XX/XX/2019 - XX/XX/2019 ) included ( 4 ) separate fraudulent charges from XXXX. 
Transactions dated XX/XX/2019 for {$120.00}, XX/XX/2019 for {$120.00}, XX/XX/2019 for {$120.00}, XX/XX/2019 for {$120.00}, totaling {$500.00}. 
XXXX VISA Cardmember Services on XXXX of fraudulent charges, card was canceled and new card sent to office. VISA XXXX XXXX # XXXX. Notified XXXX XXXX regarding fraudulent charges ( XXXX XXXX XXXX XXXX # XXXX ). 
Requested info sent from XXXX XXXX for charges. Received ( 4 ) receipts for online purchases from XXXX XXXX. 
VISA Cardmember Services provided credit for fraudulent charges on XX/XX/2019 then reversed credits on XX/XX/2019. Called VISA Cardmember services regarding reversal and they stated the reason behind refusing to refund the charges was due to them being from " a company that we have made other purchases from. '' We are a small construction business located in the XXXX, Washington area. While we do make many purchases with the physical XXXX XXXX stores this credit card is not associated with any homedepot.com account, nor have any purchases ever been made on the online store. 
VISA Cardmember Services was notified that we disagree with the refusal to refund the charges and the case was sent to a " Case Processor '' with XXXX XXXX ( XXXX XXXX XXXX ). After ( 1 ) month the case processor reached out to me and requested the XXXX XXXX receipts which were then emailed to the case processor. After another month of trying to reach the case processor for a status an email was received that notified me that unless there was additional information the refusal to credit the fraudulent charges would remain. The case processor was then contacted on the phone and asked what information that they would need in order to change the denial of the fraud charges. XXXX mentioned that something from XXXX XXXX showing the shipping addresses or contact information " may assist. '' XXXX XXXX  was contacted again on XX/XX/2019 and asked to provide a letter/email with screenshots or information showing the ( 4 ) different charges which were ( confirmed verbally with XXXX XXXX  support ) purchased under ( 4 ) different contact names/phones and sent to ( 4 ) different addresses across the United States ( None of which are located in the XXXX, WA area ). XXXX XXXX stated they could not provide any hard copy information other than the receipts and could only report this information verbally over the phone.
Consumer complaint received 2019-05-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

I submitted a loan modification package to Ocwen and I received confirmation from Ocwen of receipt thereof ( see attached letter ). My previously scheduled trustee sale date was postponed pending loan modification review while simultaneously having a currently scheduled for a trustee sale date of XX/XX/2019 - Ocwen is dual tracking ; under the California Homeowner Bill of Rights, a lender or servicer can not record a notice of default or notice of sale or conduct a trustee 's sale, while the loan modification application is pending - Ocwen is dual tracking my home.
Consumer complaint received 2019-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (CA)

We've been American Express Gold Card Members for over 5 years now with no delinquencies whatsoever. We never had an issue using our card until 3 years ago, when one month we failed to make a payment on the due date and paid the following day to bring it current and since then American Express penalized us with a pre-set limit of about ~ {$1500.00}. 

American Express sees we spend much more than that and all of the payments are made on time with no issues
Consumer complaint received 2019-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mr. Cooper Group Inc. (NV)

I have a loan with NATIONSTAR DBA MR CO. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and NATIONSTAR DBA MR CO with no successful resolution. XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

The purpose of this letter is to inform you that my identity has been compromised and that the following items do not belong to me. I have file necessary paperwork and ask that you please remove the following accounts from my credit file. 
XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX- XXXX XXXX- XXXX XXXX- XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX XXXX XXXXt- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX Account number : XXXX Balance : {$0.00} XXXX XXXX Account number : XXXX Balance : {$3900.00} XXXX Account number : XXXX Balance : {$0.00} XXXX  XXXX Account number : XXXX Balance : {$740.00} XXXX XXXX Account number : XXXX Balance : {$2700.00} XXXX Account number : XXXX Balance : {$130.00}
Consumer complaint received 2019-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Please annul these not compliant alleged accounts deficient of physically verifiable proof of adequate from anyone exactly and lawfully identified as me..Failure to demonstrate proper evidence requires that you eradicate all of these following untimely, untrue, incorrect, deficient of permissible purpose and not compliant allegation accounts XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ),
Consumer complaint received 2019-08-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (CO)

On XX/XX/XXXX, a car I financed in XXXX, XXXX through Chrysler Capital was illegally repossessed. 

Points of concern : 1. The repossession firm indicates XXXX didnt initiate the repossession, but after the tow truck driver picked up my car based on what he referred to as a hot hit, he ( XXXX with XXXX XXXX ) stated Chrysler agreed to begin repossession proceedings due to a late payment. 

2. A notice of right to cure default was never sent. 

3. A notice of repossession was never sent. 

4. I was not given an opportunity to correct the defaulted payment amount and car was sent to auction without my knowledge or consent. 

5. As of today, XX/XX/XXXX, I have received no communication from Chrysler Capital in form of mailing or telephone contact. My on, one account indicates nothing regarding a repossession. 

6. The repossession agent is not properly licensed in Colorado. Hes been told to not trespass on my landlords property previously, but continues to do so.
Consumer complaint received 2019-05-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (FL)

In XX/XX/2018, financing for furniture through XXXX XXXX here in XXXX, Florida was obtained through verbal agreement and one signature for delivery service with a salesman. Financing was to begin XX/XX/2018, through American First Finance, in the amount of {$380.00} for 6 months until furniture was paid off. After said 6 months of payments had passed we were informed another {$5000.00} was due in FINANCE FEES AND THAT THIS WAS AGREED UPON BY ELECTRONIC SIGNATURE. None of this ever happened. No documents were ever disclosed, provided, or any other way conveyed. Terms and conditions of an unbelievable {$5000.00} finance fees were absolutely never mentioned, and no further information was ever provided other than a paper with payoff amount and amount of monthly payment, which is taken out automatically. When electronic signature page was requested, in no way was this his signature, electronic or not. Never before have seen an electronic signature in this fashion. Purchase was made through XXXX XXXX here in XXXX, Florida. Complaint against them as well as American First Finance Company. Both establishments have been contacted and we have been summarily and rudely dismissed stating that " maybe we just forgot '' about the financing!
Consumer complaint received 2019-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MD)

On XX/XX/XXXX, I discovered that I was charged erroneously at a XXXX XXXX for multiple stays during the same time period. Once I discovered the 2 out of 3 additional charges, I notified Citibank and disputed the charge after trying multiple times to correct the issue with the vendor. The charge in particular was for {$290.00} for an additional stay that I had already paid for in-full. 

Citibank immediately issued me a conditional credit for the 2 charges and supposedly launched an investigation. Without any reasonable explanation, I was sent a notice on XX/XX/XXXX that the dispute was not resolved in my favor and I would be responsible for all charges. 

The communication from Citibank noted specifically : After reviewing your dispute and the information you provided, we're unable to resolve the dispute in your favor. The information wasn't enough to support your claim, and you are responsible for the disputed charge. If you'd like to pursue this matter further, please contact the merchant directly. 

The investigation into your dispute has been completed, the conditional credit we issued to your account, along with any related fees and interest charges, if applicable, has been reversed. Please note, it'll be reversed in the next two business days - you'll see it listed with your account activity on your next statement, or by logging into Citi Online or the Citi Mobile App. 

We included the below transaction details for the dispute ( s ) on account ending in XXXX for your reference. 
Date XX/XX/XXXX Amount {$290.00} Merchant/Description XXXX XXXX XXXX XXXX MI I did not received any communications from Citibank during the dispute time period and have not seen, to date, any communications or proof thereof between Citibank and the vendor that any attempt was made to resolve the dispute on my behalf. 

This is unfair and inaccurate and I should not be responsible for services from any vendor that I did not receive and as a 20-plus year customer, I am filing a complaint because I do not believe that they investigated the erroneous charge at all.
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

there are some inaccuracies on my credit report, I sent Transunion, XXXX and XXXX verification letter for the accounts in question on XX/XX/2019 via certified mail. Within the letters I needed a copies of verifiable proof that in fact the accounts were mine. After about 27 Days I got letters back saying all the accounts were verified and did not give me any documentation to prove their findings
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I am writing to dispute the illegal reporting of my student loans, in violation of 15 U.S. Code 1650 ,15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code 1681B. This matter has come to my attention through a recent review of my credit report, in which I discovered inaccuracies that have adversely affected my credit standing. 


According to federal law, creditors must provide accurate and complete information to credit reporting agencies. However, I have reason to believe that your company failed to follow these guidelines when reporting information related to my student loans. The inaccurate reporting has led to negative consequences for me, including damage to my credit score and potential obstacles in obtaining credit in the future. 


I kindly request that you investigate this matter further and take the necessary steps to correct the inaccurate reporting of my student loans. I am reporting this violation to the Consumer Financial Protection Bureau ( CFPB ), as it is my right to ensure that my credit information is reported accurately and fairly. 


Please provide me with a written response outlining the steps you intend to take to address this dispute within 7 days. Failure to take corrective action in a timely manner will result in further legal action on my part to protect my rights and seek appropriate remedies. 


Thank you for your prompt attention to this matter. I look forward to your immediate response. 


Sincerely, XXXX XXXX
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

Hello Im trying to have inaccurate inquiries removed from my report and please dont place any fraud alert im in the middlle of buying a home. I also see that having a fraud alert dosent help. Please remove these all in basically back to back. its several i want tem all removed without a fraud alert XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX. XXXX 2 times, XXXX 2 times, XXXX XXXX please i didnt apply for these Thank you
Consumer complaint received 2019-05-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Carter-Young, Inc. (GA)

In XX/XX/2018 I received a notice from XXXX that XXXX XXXX XXXX had flagged my account as Collections. The information provided stated this was an Attorney/Collection Dept. provided an address & an amount of {$230.00}. I have never been contacted by this company, never have they tried to collect a debt from me. I have no idea who they are or why they think I owe them money. Not only do I not recall this company, but I have not incurred any debt with anyone for the amount they are reporting to the credit bureaus. 
I have contacted this company using the information provided to me by XXXX and XXXX, months went back, and I never received any validation, or anything for that matter. I then filed a dispute with all three credit bureaus, it has since been removed from XXXX & XXXX. XXXX claims they validated the debt, but I can not get anything. 
This company has violated my rights under the FDCPA, not only was I never notified of their attempt to collect this debt, I also didnt get the opportunity to dispute it before it was reported to my credit report. I have been battling this for several months now, seeking validation, and none has ever ome. According to Section 809Validation of Debts of the FDCPA, Debt Collectors must stop collecting/reporting until validation has occurred.
Consumer complaint received 2019-05-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

- Last XX/XX/2019, an unknonw user, intentionally or unintentionally, has opened a Paypal account using my owned email XXXX ( together with other personal data I had no visibility at all ) - Then, I received a Paypal email requesting me to confirm my email address for the just created Paypal account, email that I never confirmed. 
- On the following days, I reported Paypal both by phone and by dpo@paypal.com ( Data Protection Office ) email, that I wanted to unlink my email address to the recently opened Paypal account. And I was replied that : 1. It was possible to send paypal money from account whose email has not been verified ( but not receive money ) 2. I can not remove my email from the Paypal account ( I was suggested to open another XXXX account ) or take control of it as the " forgot password '' link requests all the personal data at the time that the account was opened.
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

Someone has stole my identity and purchased a 2018 XXXX XXXX with Classic XXXX XXXX in XXXX, TX. The used Bank of America as their autoloan on XXXX XX/XX/2018 in the amount of {$50000.00}. 

I called the Bank of America on XXXX XXXX to dispute this action and they have no done any investigation on this yet. It was said they were going to report this higher and that they will give me a call 48 hrs later on their findings. 

I called the XXXX XXXX XXXX and they have confirmed that this was an identity theft when someone called in their store around a week ago of a person trying to sell this vehicle to them, but they notice that the name of the seller and name of person who owned the vehicle did not match. 

I have taken the steps in FTC to try and resolve these credit issues and fraud attempts. 

XXXX XXXX, I have filed a report to the XXXX Police Department on this. Report # XXXX
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NJ)

Hello I have old information XXXX XXXX XXXX, XXXX XXXX and 2 collections from XXXX XXXX XXXX and XXXX XXXX XXXX I never had these accounts ant XXXX  XXXX  I never heard of Im a XXXX XXXX  XXXX. Im so busy busy and I cant keep account of my life. Please help me remove this old information and these negative accounts thats not mines XXXX XXXX XXXX XXXXXXXX {$550.00} {$350.00} 158 % Revolving Negative XX/XX/XXXXXXXX XXXX XXXX XXXX {$370.00} {$200.00} 185 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX {$980.00} {$710.00} 138 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX {$0.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Real Estate Paid XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XX/XX/XXXX {$1300.00} {$1300.00} XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$450.00} {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Convergent Resources, Inc. (IN)

Recently I received correspondence from a collection agency ( Convergent Outsourcing ) regarding an alleged {$360.00} debt owed to XXXX. This is not a valid debt. 

On MXX/XX/XXXX, XXXX mistakenly initiated an electronic financial transaction debiting my account at XXXX XXXX in the amount of {$18000.00}. My account was locked down as a result, and I was unable to pay my other bills. Despite the fact that I repeatedly contacted XXXX regarding their mistake immediately after the XX/XX/XXXX debit, XXXX again attempted to initiate an electronic debit from my account in the amount of {$18000.00} on XX/XX/XXXX. 

As I had after the first improper debit, following the second transaction I called, texted, and visited XXXX local office in person. Because of these improper actions by XXXX, I was forced to cancel my direct deposit into my bank account, to purchase money orders to pay some of my other bills, and I had to spend a great deal of time and energy resolving other issues related to the improper debits. Shortly thereafter, I cancelled my cable service through XXXX. After speaking with the several individuals, including the manager, I was assured that my account with XXXX held a XXXX balance and that I owed no money to XXXX. On XX/XX/XXXX while visiting the local XXXX office to verify that I owed no money to XXXX, I reviewed my account status with XXXX representatives and was again assured that my account held a XXXX balance. 

Then this spring, I received a notice from Convergent Outsourcing seeking to collect {$360.00}. This is not a valid debt.
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (AZ)

Bayview is using an unlawful loan modification to attempt to collect on a debt that exceeds their statutory rights. 

They continue to conspire with Ms XXXX to cause harm.