davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-12
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: I.Q. DATA INTERNATIONAL, INC. (NC)

I received an call yesterday from XXXX with IQ Data collection agency. He called from the phone # XXXX at XXXX XXXX. He advised that his supervisor 's name was XXXX XXXX. He said that he was calling about the balance that I owed my prior apartment complex and gave the amount due. No where is this call did he read the collection agency mini Miranda statement which is Sec 807 ( 11 ). So with that being said he already violated the law. He then went on to say that I need to pay this debt this month. I advised that I can make a payment but I'm unable to make the payment in full. He this says that this needs to be paid in full this month or they will move forward. I asked what did he mean by that and he says that they will put on my credit report. I said ok I will just make payments until it paid in full. XXXX says that will not help and I say why because if I'm paying that should bring it down. He said because we will move forward I said with what. He then demanded that this be paid in full by the end on the month are they will move forward. I said that you have not answered my question he said I don't need to answer your question. I asked to speak with his supervisor. XXXX XXXX gets on the phone and I explain to him like I did to XXXX that I want to pay the debit but I'm unable to pay in full I only make monthly payments. He then says that he can give me the address to make payment then turns around and say that I'm unable to make payments and that this is a property debt and if it not paid that they will mark the account and refusal to pay and they will move forward. He also stated that I need to get the money someone or get an loan and make payments to them. He also told me to get an lawyer. I asked why would I need a lawyer to pay an debt. He said that it because it a property debt and he not an lawyer and not able to give advise. I told him that it is illegal to threating someone over debt to be paid and I was going to report it and he said to go ahead. I never received a letter to validate the debt and they refuse to give me 30 days to pay the debt.
Consumer complaint received 2018-09-12
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: JPMORGAN CHASE & CO. (GA)

XXXX client, XXXX XXXX is a victim of identity theft. He was notified by Chase bank of a fraudulent application submitted with his information without his consent. An account was established XX/XX/2018 and is being reported to his XXXX, XXXX and XXXX credit reports. An official dispute of this account was mailed to Chase XX/XX/2018 and was received verified with a return receipt. As of this date Chase has failed to advise the status of the investigation nor have they provided any clearance to my client concerning this matter being resolved. These actions are in violation of FCRA guidelines and violate my clients federal consumer rights.
Consumer complaint received 2020-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: C/C Financial (PA)

I found out about the debt XXXX XXXX 2020. I contacted the company and as them to do a fraud investigation and they said only if I provide copies of ssn card and drivers license. I said no why would I give my personal ID on an account that I did not open. I was told that the account was open via online in XXXX 2020 at midnight for a business at an address i never lived. Once the account default they called me but before default money was auto draft from an acct I never had and they have been speaking to this fraud person regarding the acct along with references. No inquiry has ever appeared on my credit file from the company especially because i have always had a credit lock. This company is known for opening accounts against consumers claiming via online w no inquiries then trying to collect on false debts and is always sued. Also i have a ftc report and irs fraud report because my ssn was stolen.
Consumer complaint received 2023-07-29
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: EQUIFAX, INC. (FL)

Dear Equifax,, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-11
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: Experian Information Solutions Inc. (AL)

I have been going back and forth for several months with disputes with XXXX regarding my 2 accounts with XXXX   which are both being reported inaccurately.  OnXX/XX/2018 I submitted an online dispute with XXXX, XXXX XXXX XXXX XXXX, GA XXXX for both of my accounts with XXXX   requesting an investigation into the matter.  I stated to them that the XXXX accounts were being inaccurately reported.  Although in this latest dispute and my request for written verification per the FCRA, XXXX is still listing both of the accounts as being 120 days late.  They are still stating that the accounts are verified and accurate without providing me with the proof I requested on XX/XX/2018.  Both accounts were paid in full and transferred so how can they be 120 days late?  Why does XXXX refuse to provide me with the written verification?  All they are doing is prolonging this action plus causing unnecessary negative marks on my credit report.
Consumer complaint received 2018-09-11
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: General Motors Financial Company, Inc. (MI)

I received a letter dated XX/XX/XXXX regarding a refund I was suppose to receive from GM financial in the amount of {$3500.00} dollars. I have called multiple times and was told the check has been mailed by multiple employees on XX/XX/XXXX, but I recently called XX/XX/XXXX to find that the check hasnt even been printed. I have requested this refund be processed and overnighted but the employees are refusing to send my refund over night telling me i will receive it by XX/XX/XXXX i called XX/XX/XXXX and the check still hasnt been mailed so there is no way I will receive it by XX/XX/XXXX. So at this point they are holding my refund for no reason and it looks the refund will never be mailed. The same story they keep telling me is the accounting department is back up but i do not believe it should have taken this long nor do I believe its been processed because they have lied to me multiple times.
Consumer complaint received 2018-12-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CO)

On XX/XX/XXXX, I attempted to make an order from a company I have purchased from a number of times. However, their website wasn't properly functioning. So I sent an email to their customer service notifying them that I was unable to place an order online and needed to duplicate a transaction I had recently placed. However, I sent the money, via Paypal, to an incorrect address not associated with their Paypal account. My mistake, easily rectifiable, right? Wrong. 

Their customer service is designed to stretch simple problems into a cycle of frustration until people give up. Though I have provided NUMEROUS clear explanations as to what happened, they continue to either play XXXX or are actually the most incompetent people on Earth. I've forwarded messages from the vendor acknowledging that they do not have a paypal account at that address and that payment was not received ; all to no avail. Despite having a clear internal record that the payment I sent has not been claimed by anyone, they refuse to reverse the transaction. 

Yesterday, XX/XX/XXXX, I was finally asked to call and given an access code which would allegedly expedite my connection with a Customer Service " expert. '' Wrong. After going through an endless stream of options, none of which applied to me, I was finally connected with someone who understood the issue and told me she would reverse the transaction. However, she needed to transfer me to someone to complete the final transfer and verify account information. You can see where this is going. I sat on hold for 37 minutes ( in the middle of a work day ) before finally giving up. When I wrote Paypal again to complain/try to resume the situation, they completely ignored all progress we made and went back to their original message of 'contact the seller. '' I'm happy to provide all emails from the external vendor, paypal, or any phone records. This entire thing is over {$10.00}. I'm pursuing out of principal.
Consumer complaint received 2018-12-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion continue to report a negative item on my credit from XXXX XXXX XXXX. This account is not mine. I have never attended the institution nor applied for credit or a loan. I sent in a police report to XXXX XXXX XXXX and to transunion. They have documentation with my signature. It is clearly fraud yet it remains on my credit report. also, transunion has inquiries on my credit report that are clearly not mine. I have sent three letters over the past year about these things and received no additional information or resolution even though I have requested it.
Consumer complaint received 2018-09-12
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: WELLS FARGO & COMPANY (CA)

XXXX has been non-compliant with removing the unverified account WELLS FARGO DLR SVC/ which has been deleted by XXXX and XXXX . XXXX   and XXXX have both completed their research and determined that WELLS FARGO DLR SVC/ was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2019-02-28
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Selene Finance LP (FL)

Selene Finance is been asking me for proof of hazard insurance of my apartment. As I leave in a condominium, following their request, the condo association sent proof of the insurance several times. 
0n XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018 the condo association spoke with the following customer reps from the above company, to no avail : XXXX, ID XXXX ; XXXX, ID XXXX ; XXXX, ID XXXX and XXXX, ID XXXX. The proof of insurance was also faxed to Selene Financial for five times but the company still ask for proof of insurance. 
At this time, Selene Financial does not want to take note of the condo association phone calls or faxes showing the proof that the hazard insurance is been paid and they purchased themselves insurance for my apartment for about XXXX per year. They hold me responsible for this amount of money and started to charge me late fees on my mortgage payments. I want also to mention that the insurance on the apartment has never expired, being renewed in time by the condo association. 
They went so far as to return to me the checks I send as mortgage payments. Their motivation would be that the payment of {$740.00} I pay as monthly mortgage " is less than the amount required to cure the default on your loan ''. 
Please help me as I am XXXX years old, I live on a social security pension and I have several, very serious health issues. 
Attached you will find proof of the way this company treats me as a consumer, taking advantage of my age and my financial situation.
Consumer complaint received 2020-08-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc. (NC)

This debt appeared on my credit report claiming I owe {$260.00}. I contacted this company letting them know this is not my account or debt and that its a family members. They totally ignored this fact that this wasnt mine and continually tried to get money from me. I disputed this transaction as well. They then again informed the credit company this was accurate. This is fraudulent action thats caused me a XXXX point reduction in my credit score.
Consumer complaint received 2018-09-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (IA)

On XX/XX/XXXX my mother and I went the bank to refinance her existing HELOC to prevent it to going into the end of the draw period that will end XX/XX/XXXX, which will increase her payment substantially. You may be eligible to refinance your existing HELOC they wrote. The bank opened the loan on XX/XX/XXXX. 
My mother, at that time, was elderly, XXXX XXXX XXXX XXXX had XXXX XXXX. With her debt free home she was easily approved. 
Armed with credit scores in the high 700s as well as a fifteen year history of no missed payments, the banker thought it would be no problem to be approved to refinance the loan as we could not afford a {$900.00} per month increase. 
On XX/XX/XXXX I was told the underwriter found a {$1000.00} credit card debt from 20 years ago I had not paid. I said that was a mystery to me but I would be glad to pay it now. He said once you do not pay us we will never give you any credit. Your mother is however, approved. 
Few days later, we received a letter from their corporate off that she was denied credit because Applicant has poor or no previous experience with the credit grantor.
Consumer complaint received 2020-08-01
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. (AZ)

XX/XX/XXXX I saw a new credit card in my online banking with XXXX that I did not apply for. I called XXXX immediately and they told me it had been opened that day via online. They took a fraud claim and advised me the account was closed and it would be removed from my credit report ( Experian ). 

XX/XX/XXXX I received a letter from XXXX stating they completed their review, determined I was not responsible for the credit card account, and would ask the credit reporting agency to remove this account from my credit report. 

XX/XX/XXXX I saw the hard inquiry from XXXX from the fraudulent credit card still on my Experian credit report so I called XXXX. I spoke with XXXX who was completely unhelpful, told me he would email another department to see when the inquiry would be removed and I would hear back from them and he couldnt give me a timeframe to hear back. I also tried to dispute the hard inquiry through Experian but they told me they dont handle inquiry disputes and to contact XXXX XXXX. 

XX/XX/XXXX Hard inquiry still on my Experian credit. report So I tried to call XXXX again. I received a recording saying they were not taking phone calls ( due to Covid ) but I could email them so I emailed them. 

XX/XX/XXXX I received a call from the XXXX XXXX XXXX. who told me to get the inquiry removed, I had to call their Credit Bureau Dept. at XXXX, XXXX EST, Monday-Friday. This rep told me to advise that dept. to check the notation on the fraudulent account from this rep. dated XX/XX/XXXX. 

XX/XX/XXXX or XXXX, XXXX As instructed by the XXXX XXXX. at XXXX, I spoke with someone in their Credit Bureau XXXX. This rep stated she would resubmit a request to the credit bureau to remove the inquiry and would send me a letter in XXXX days. 

I then received a letter from XXXX dated XX/XX/XXXX stating that they asked Experian to update the XX/XX/XXXX inquiry to a soft inquiry and also encouraged me to review a copy of the credit report to confirm this update. 

XX/XX/XXXX I just got a new Experian credit report and the inquiry from XXXX from XX/XX/XXXX is still showing as a hard inquiry.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Possible Financial Inc (CA)

Subject : Dispute of Inaccurate Reporting on Possible Financial Inc. Accounts I am filing this complaint to dispute inaccurate credit reporting related to my accounts with Possible Financial Inc . The details of the accounts are as follows : - XXXX  Account Number : XXXX ( Reported by Possible Financial Inc. ) - XXXX Account Number : XXXX ( Reported by Possible Fina ) I have taken the following actions to resolve this matter directly with the credit reporting agencies and the creditor : - I have submitted requests for validation of the debt and verification of the accuracy of the information being reported on these accounts. 
- Both XXXX and XXXX continue to report inaccurate information regarding these accounts despite my efforts to dispute the data. 
- The information being reported by Possible Financial Inc. to both XXXX and XXXX is inconsistent and appears to be incorrect. 

This inaccurate reporting has caused significant negative impacts on my credit score and overall creditworthiness. I am requesting the CFPBs assistance to ensure that Possible Financial Inc. and the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ) and either provide proper validation of the accounts or remove them from my credit reports.
Consumer complaint received 2018-09-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: World Omni Financial Corp. (NC)

XX/XX/2018, I mailed my payment to XXXX XXXX XXXX at the XXXX XXXX   in XXXX, NC. 
At this time, my payment is not registered, no one referred me to the manager for assistance and to start an internal search for the money order of {$470.00}, my very first payment. Also, I demanded to speak to the manager or supervisor and left a voice mail message regarding the missing payment. No one has returned my phone call. I am positive that the payment is there with XXXX XXXX XXXX but has been misplaced or misappropriated on someone else 's account. I did not have a invoice stub, I simply placed the entire account number on the money order. The money order number is XXXX for {$470.00} dated XX/XX/XXXX. Also, this XXXX XXXX is not getting the gas mileage as the econo light keeps going on and off. The VIN is XXXX. While I am driving the check engine light comes on. This does not happen when I go to the service deparment.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ProCollect, Inc. (LA)

An account is reporting from XXXX XXXX on my credit report and I have never lived there or applied for any services with this company. Additionally the secondary creditor to this company Procollect , Inc. has reported this same debt on my report to XXXX and it doesn't belong to me. I am demanding it to be removed because it is not my account or my debt. Please remove at once for this is causing a financial hardship on my account and I am tired of this happening in one form or another.
Consumer complaint received 2019-02-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (CA)

My car got repossessed On XX/XX/XXXX and I've bin having issues with the company wellsfargo auto for almost a month an a half and even though I was behind when I got the total amount to get the car back I notice it was un accurate I asked for a transaction history and was able to notice a couple mistakes and I asked them to fix them and they only keep telling me that they have looked over it and they don't see any mistakes and that they keep adding to the quote they have given me to get the car back but I can clearly see in the copy of my transaction history that they are able to put and remove transactions and I think they just closed my case since they are unable to do anything to benefit me for how many times they look into it instead of fixing it like I've asked till today XX/XX/XXXX unless they are still looking for my two missing items and also I don't know what else to say when they keep telling me the same thing even though the information they have given to my credit bureau states about the same amount i've bin telling them and I've bin trying to get someone else to help me out with this but even a banker  agrees with me and have tried to talk to them won't do.
Consumer complaint received 2018-09-12
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (MT)

On XX/XX/XXXX, I was notified by XXXX and XXXX that an account was added to my credit report as " in collection ''. Upon reviewing it, I discovered that XXXX XXXX XXXX had reported an account balance of {$10000.00} that originated with XXXX in XX/XX/XXXX. While it is accurate that I opened a credit account with XXXX in XX/XX/XXXX, in XX/XX/XXXX, I surrendered the vehicle to them under verbal agreement that the account  would be closed due to its poor running condition since the purchase date in XX/XX/XXXX. Unfortunately, I was naive and did not get that statement in writing. In XX/XX/XXXX, 1 month after surrendering the vehicle to XXXX, the credit account was removed from my credit report. Fast forward to XX/XX/XXXX, and it magically appeared as being owned by XXXX XXXX XXXX without me having received any written communication whatsoever from the collection agency. I have disputed this account twice via XXXX  and XXXX 's online systems to no avail.
Consumer complaint received 2019-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (VA)

XXXX  notified me via email that my dispute was open, however, I was not immediately able to access the dispute and further there is consideration that all three credit report ( s ) are being dispute with knowledge that I have not been able to fully view Equifax Credit Report and the sites only allow limited space to refute information and/or allow a blanket statement. Therefore, I am attaching my full statement as it pertains to the dispute on my credit report ( s ), et al. in addition to my past credit reports that have already been submitted.