davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

I originally sent portfolio recovery associates a check on XX/XX/2022 to satisfy a debt owed by them but it was lost in the mail at the time so I stopped the check and had a new one sent out on XXXX XX/XX/2022. The original stopped check was delivered on XX/XX/2022 at XXXX XXXX  in XXXX VA. I had sent the live check via certified mail ( that had to be signed for ) on XX/XX/2022. The live check was signed for on XX/XX/2022 at XXXX XXXX in XXXX, Va. I stopped the original check because of it being lost in the mail and I wanted to make sure that the debt collector would get paid in time to satisfy the settlement. I will enclose the check numbers, picture of receipt stating someone signed for the check, and tracking numbers for both the live and stopped check, etc. I also want to state that I called the debt collector and informed them that I stopped the original check and the new one is on its way. The debt collector told me that it would be documented.
Consumer complaint received 2022-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (HI)

Hey. I had a bunch of charges on my USAA accounts, That i couldnt remember anything about. So I disputed it with the bank. 

There was : XXXX x XXXX ( {$13.00} and {$20.00} ) XXXX XXXX {$100.00} Money transfer XXXX XXXX XXXX {$1600.00}
Consumer complaint received 2022-04-13
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. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help
Consumer complaint received 2022-04-14
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

This is another coplaint about the same and no solution as I stated in my previous complaint I been robbed by XXXX bank and his partner in crime shellpoint morgage servicing but no one cares couse it's not their situation or their problems to stop harassing from this shellpoint morgage servicing I had to pay them money i I didn't owed them but they claimed I owed why this place I'm no only they were harassing me but they have in un the credit report as I was late another issue tha up to now it's gotten me stuck in my intents from moving to a different morgage bank they keep sending you any type of paperwork and it that's all it ends there never a proper answer or explanation they keep blaming XXXX  XXXX XXXX another corrupted morgage company or bank they might think because i paid them the extra month and all the late fees and they stopped the harassment that every thing end there but not really you are helping a corrupted morgage company to get away with my money or a crime you are covered them and this needs to be published and I will not stop ....
Consumer complaint received 2022-04-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (TN)

Contacted this collection company handling this debt and they said the debt is mines but the phone numbers on file doesnt match and i dont have no knowings of this collection, im not responsible for this debt and it has caused a huge burden on myself.
Consumer complaint received 2022-04-14
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: WELLS FARGO & COMPANY (CA)

On XX/XX/2022, my personal checking account at Wells Fargo Bank held a balance of {$51000.00}. I went to my office the next day, XX/XX/2022, where I received a startling call from Wells Fargo telling me that they had picked up numerous transactions in my account that they wanted to verify with me that appeared unusual. They then read a list of XXXX very similar charges to my account. I wrote down all the transactions and they were all in the range of {$20.00} to {$24.00}. I recognized none of them and Wells Fargo said they would " look into them. '' I asked them to stop the charges, because none of them were mine. 
I heard nothing further from Wells Fargo until approximately XX/XX/2022 when a very large envelope arrived in my office from XXXX, containing the largest bank statement I have ever seen. It consisted of XXXX pages and contains a list of well over 3000 separate transactions in my bank account, all for the month of XX/XX/2022. I recognize only about 50 transactions which I made in XX/XX/2022 that day or the rest of the month. I had personal XXXX for over 7 hours on XX/XX/XXXX, did not use the credit card in question and had in my personal possession at all times. I still have the card in question.. The remaining transactions are completely unknown to me and were not made by me. I did deposit an additional {$17000.00} in the account and my social security check was also deposited in my account for me. I have also since discovered that an additional {$20000.00} was deposited in this account by being taken from a Wells Fargo credit line I held and put into my account without my knowledge. At the end of XXXX, despite deposits of {$92000.00}, the account balance is {$1800.00}. This means that a total of {$90000.00} was removed from my account without my knowledge, permission or consent. I have called, spoken with and sought answers innumerable times from Wells Fargo. Wells Fargo 's sole response so far is a brief letter telling me that one charge in the amount of {$19.00} was not an error and that it will stand. What they do not mention is their additional transaction fee of XXXX for each of the over 30,000 charges shown on my bank statement and that there are approximately 3000 transactions in that amount. I have calculated that they have made over {$2000.00} in fees by allowing me to be robbed of over {$90000.00} that they have no time to explain. Please explain to me how this is allowed to happen in our Federally regulated banking system.
Consumer complaint received 2022-04-13
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: Experian Information Solutions Inc. (NJ)

In accordance with the FCRA, XXXX XXXX  Acct XXXX, XXXX  XXXX, XXXX  XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX  XXXX has violated my rights. 
15 USC 1681 section 602A states I have the right to privacy.

15 USC Section 604 A Section 2, also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-02-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am XXXX XXXX XXXX, consumer and natural living person submitting this complaint with no third party involved. 

Transunion committed fraud on my consumer report. I did not consent, benefit, nor authorize these accounts on my consumer report and Transunion has failed to provide documentation proving otherwise in the time allotted.
Consumer complaint received 2022-04-13
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 — Was not notified of investigation status or results
Company: Southwest Credit Systems, L.P. (OR)

I had an account with XXXX at a previous address. I returned all necessary equipment and closed the account on that address while switching to my new address. I had the same account with XXXX and have had the same account with XXXX for four years. There was an apparent charge from my previous address that existed even after closing the account on that address. They had all current information for me to inform me of this charge, but I was never informed. I didnt receive a single text, call, email, or letter about this charge even though they had my current address, phone number, and email. I am and have been current on my bill with XXXX every month Ive been with them. My services were not stopped when this charge existed. I also was never informed of any charge by the credit agency. I only found out about this charge once applying for a home loan and found this report from the credit agency on my credit report. This charge was such a mystery to me that Ive had to speak with two of my lenders to find out who the company was that was reporting, which was southwest credit system, as well as where the charge came from. I had to research this company myself to find their contact information because they never once sent me any communication via any method whether a call, text, email, or letter. Luckily this charge only existed for a month before I found it when applying for a home loan. This has a massively significant impact on my credit score. I immediately contacted both XXXX and the credit agency to resolve the issue, but I was only told I could pay the charge, so I did. Neither company would speak to me about anything deeper than that there was a charge ; I was given no specific information about how this charge even existed in the first place by either company. Both companies best advice for me was to speak to the other. XXXX couldnt produce a single piece of evidence showing that they tried to contact me about this charge, and would let talk to me about why the charge existed or why I was never contacted at all. The very first moment I found out about this charge via my credit report, I began the process of resolving the issue. Had XXXX or even Southwest Credit Systems notified me of the charge originally I would have paid immediately like I did when I eventually found out on my own. This should be removed from my credit report.
Consumer complaint received 2022-04-13
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: Experian Information Solutions Inc. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-04-13
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-04-14
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. (MA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Date : XX/XX/2022 Amount : {$3500.00} Action : Requested item to be removed due to incorrect information. 

Company : items were removed sold to another creditors and reappeared multiple times. 

Date : XX/XX/2022 Amount : {$2500.00} Action : Requested item to be removed due to incorrect information. 

Company : items were removed sold to another creditors and reappeared multiple times.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CO)

Equifax has no record of my credit, despite XXXX and XXXX reporting my credit scores. My husband and I are trying to get a loan for a house, but lenders are unable to get my credit score from Equifax, and as such are having to report my average score as lower than it would be otherwise. I have been informed that if we don't fix my Equifax score then we won't qualify for a mortgage. 

I have contacted Equifax multiple times to try to determine what the problem is or how to get my credit reported normally, but they have not provided me with a way to do so.
Consumer complaint received 2022-04-14
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. (TX)

I am a natural living and breathing person ; consumer. I previously filed a complaint in regards to the inaccuracies for the accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, which appears on my consumer report. I am aware that these accounts refer to transactions and experiences which is not in accordance with the Fair Credit Reporting Act. XXXX responded that the companies verified that the disputed information was accurate as reported, and as I am not content with the results, I now would like proof of the reinvestigation which took place to confirm the accuracy of these accounts.
Consumer complaint received 2022-04-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Sensible Auto Lending, LLC (NJ)

I purchased a vehicle with Sensible Auto as the finance company. I was given an online account for which I view my account, billing statements, etc. My payments were to be bi-weekly and after 2 billing cycles eligible for monthly payments ( which I was ok with ). I made 2 payments XX/XX/2022 and XX/XX/2022. After making those payments the system reflected I did not have another payment due until XX/XX/2022. The section where future payments due was missing from my account and the only section visible or accessible was the receipts, Home Screen which includes a link for payments and due dates. I was delighted as I thought maybe in putting the deal together there was a break in payment or what have you. I receive a call from a representative on Monday XX/XX/2022 asking about a missed payment. I verified my account and went on to explain to the gentlemen the account stated I didnt have another payment due until XX/XX/2022 which he agreed was correct. I then asked why he is questioning a missed payment when there was none due according to the account and he said he agreed with what the account is showing but I owed the payment. I asked him if he could show me within my account I missed a payment I would be willing to listen but as he stated before he couldnt so it went back and forth like this for a minute or two and we parted ways. 
Today XX/XX/2022 I receive a call from Sensible Auto and pressed 1 for a representative and was sent to voicemail. I called back 15 minutes later and was connected to a representative who verified all of my information. We again went over the SAME EXACT information and again went back and forth. No explanation as to why my account had no future payments as it did in the past and why the payment date still reflects XX/XX/2022. After a heated exchange or two he could not give me a definitive answer ( he gave me four or five different excuses for why it COULD BE ) but not explaining why I should pay {$210.00} that my account doesnt reflect me owing! He then kept asking me to email me documentation. Which I have NEVER received a bill via email nor a request to speak with them via email. I asked why this documentation wasnt made available to me prior to today or at the very LEAST Monday when I was first contacted by another representative. Again no response. I declined to accept the email and have not opened the email sent by Sensible Auto.
Consumer complaint received 2022-04-14
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: Social Finance, Inc. (TX)

XXXX on XX/XX/2022 was charged {$86.00} for an item that was {$45.00} on shelf tag I told her never mind and she was supposed to void the item. I never got it
Consumer complaint received 2022-04-15
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Mercedes Benz Financial Services (VA)

I have been attempted to work with XXXX XXXX XXXX XXXX XXXX, Trustee for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, President and CEO MERCEDES BENZ FINANCIAL SERVICES ) and XXXX XXXX d/b/a XXXX XXXX XXXX Trustee for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, President and CEO MERCEDES BENZ FINANCIAL SERVICES MERCEDES BENZ FINANCIAL SERVICES to act in the fiduciary capacity and act in the best interest of the BENEFICIARY ( XXXX : Banks-Beneficiary ) in this TRUST transaction XXXX I have sent the payment for settlement and closure of this account. They have chosen to still injure the beneficiary and now have damaged my property. 

This morning Mercedes Benz Financial Services sent someone to come steal my vehicle I am making record of how Mercedes Benz Financial Services Continues to violate Trust Law and continue to cause injury to the beneficiary. 

They have no provided any information, such as the on ledger and off ledger accounting, to show that they lent me anything to show that I owe them anything. By Trust law, I the benificiary have to right to request this information and the TRUSTEE should provide it on demand.
Consumer complaint received 2022-04-15
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX ending in # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX ending in # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose