davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (GA)

Spoke to someone beginning of XXXX. Was told I would be given a grace period until the end of XXXX. Made payment of XXXX end of XXXX. Account incorrectly showing past due. The represenative said on recorded call I had until end of XXXX. 

The card was for a dillards card issued by wells fargo. I was told the payment I had until the end of XXXX because they were contacting the wrong number. I made the payment the last day in XXXX and it still reported late. I have asked them to remove it to the recorded conversation with the employee and just common courtesy and they have not.
Consumer complaint received 2024-07-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I am sending you my XXXX  review because there seems to be a very cold shoulder towards hard working American people. 
XXXX XXXX XXXX XXXX If I could give a XXXX I would. This company ( SPS ) has had bath faith practices with regards to the mortgage for over 10 years. 26 years my family has owned this house ( XXXX, XXXX ) XXXX, FL. They sold and bought my house at the foreclosure auction back on XX/XX/XXXX. They never allowed us the chance to refinance the mortgage ( since XXXX in XXXX ). They proceeded to not try to help, as much as they say " you have options '', they just want the full payment or they will foreclose, THAT'S IT! Their lawyers lied and got caught in court by XXXX XXXX in the XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XX/XX/XXXX. Fast forward SPS now has the title as of XX/XX/XXXX. They are forcing me and my family into the street. I requested additional time to move and they ( SPS REO Dept. and their lawyers XXXX XXXX XXXX XXXX XXXX XXXX ) have resorted to aggressive bullying tactics. I have stated to them I have no problem leaving the property, just give me an additional 14 days to the date you selected. They are trying to play hard ball for no reason. I have children I need to find a new home for, children who were born and raised in this house. All of the information presented here is true and public therefore should not be redacted. Select Portfolio Servicing are thieves and bully 's that use bad faith practices to take homeowners property. I pray no one has to go through the devastation and pain that my family is going through with this company. God bless America, where the American dream is DEAD. 

I would greatly appreciate a response as I have done all I can do ( except XXXX, which I have all right to do ). 

Thank you for your time. 

XXXX
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

Ive spoke with the court of XXXX XXXX California and they stated they do not furnish credit reports.

Rule 9037 : Unless the court orders otherwise, in an electronic or paper filing made with the court that contains an individual 's social-security number, taxpayer-identification number, or birth date, the name of an individual, other than the debtor, known to be and identified as a minor, or a financial-account number, a party or nonparty making the filing may include only : ( 1 ) the last four digits of the social-security number and taxpayer-identification number ; ( 2 ) the year of the individual 's birth ; ( 3 ) the minor 's initials; and ( 4 ) the last four digits of the financial-account number.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: UNITED BANKSHARES, INC. (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Systems International, Inc. (TX)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: I.C. System, Inc. (OH)

Someone fraudulently used my information to open a account with homestead utilities that was sold as an collection account to online information services I did not authorize this account or open it up I need it removed soons as possible. I have not supplied proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2024-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (IL)

So according to Citibank, my funds are fraudulent and they are going to keep my {$1600.00} until they can verify where the funds came from. I work with XXXX as a reseller and I do trade ins which in return XXXX gives me direct credit back to my choice of payment. Citibank has seen a large amount of incoming credit from XXXX and decided to close my account. Originally, I was supposed to receive a check in the mail with my funds, but now, the fraud department has stepped in and decided that I am not going to receive my money. I dont know who these people think they are or what right they have to keep MY money. I am deciding to submit a complaint in hopes to retrieve my STOLEN funds. 

I can also see that there has been a withdrawal made on my final statement which I did not make. I am suspicious of Citibank stealing my funds directly.
Consumer complaint received 2024-07-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CONTRACT CALLERS INC (IL)

XXXX, XXXX have a collection agency for XXXX XXXXCONTRACT CALLERS INC Original balance {$150.00} Status Unpaid Account number XXXX Agency number XXXX Original creditor XXXX XXXX XXXX  Date assigned XX/XX/year> This is not my bill. We qualified for Covid Assistance. We left the apartment with rent paid and bills paid. The apartment complex kept my deposit.
Consumer complaint received 2024-07-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

Called USAA about the same Mysterious transfer from the USAA account to XXXX XXXX XXXX XXXX called XXXX XXXX  XX/XX/year> ended XXXX Name of rep : Rep answers after auto prompted remind me of survey following end of call. 

Rep : How can i assist you today? 

My response : I need to know who initiated/authorized the XXXX XXXX  transfer of {$3600.00} out of my account to XXXX XXXX XXXX? 

Rep : I do not know. it was withdrawn as a collection. 

My response : What is your bank regulations on a checking account being transferred out of thin air with consent and labeled as a collections? 

Place on hold Rep : I will check pay bills account info to see if we have more info. we do not have more info. The company is with drrawing directly from your account My response : Please stop that {$3600.00} payment from XXXX XXXX  on XXXX XXXX. 

Rep : I will not a date for the future charge to this account. 

My response : No mam I need the XX/XX/XXXX pending charge stopped Rep : I CAN NOT stop that charge. But I will need a future posted date when to stop a charge from this bank? 

My response : The name of the person in charge of your department? ( she did not give the me information ) Rep ended called with no survey. As stated, The representative could not stop pending " collection charge from my account ''
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute the late payment listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for these accounts. Please have these accounts UPDATED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (NC)

On XX/XX/XXXX, I applied for a Citi / XXXX XXXX XXXX XXXX XXXX and provided the correct mailing address for the card to be sent. Despite notifying Citi of my correct address, via the application, over phone, and by email, the card was shipped to the wrong address. Since then, I have made multiple follow-up calls to request a new card to be sent to my correct address. As of today, I still have not received the card. 

Due to not having the physical card, I am unable to access my account or utilize any of the benefits associated with the card. This situation has caused significant inconvenience and disruption to my daily operations.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have sent a lot of previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum. I recently pulled my credit report and noticed that you were reporting against the FCRA standards. How can I possibly owe two balances to two different companies for one account? Please explain to me how I owe this same alleged debt to two companies? The account was paid in a settlement and therefore removed from my credit report. The account was sold to a collection agency without my knowledge. The account was settled with the collection agency. It seems to me as if you are unclear yourself otherwise you wouldnt be reporting these erroneous accounts. Please delete this account from my credit report immediately. I would like to resolve this and I will consult with an attorney to pursue legal action.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX has provided my information to XXXX XXXX XXXX for the amount {$3100.00}. I believe that this collection account may be inaccurate and unjust, and i am invoking my rights uner the United States Code ( USC ) to request validation of the debt and ensure compliance with applicable laws. According to the Fair Debt Collection Practices Act ( FDCPA ), as oitlined in title 15, section 1692g of the USC, I have the right to request validation of the debt you claim i owe. I kindly request that they provide me with the following information : Verification of the amount owed, including a detail breakdown of the principal balance, interest, fees, and any other charges associated with the debt. Proof of your authority to collect this debt, including documents demonstrating that are licensed to collect debts in my state. Verification of the original creditors identity and contact information, as well as documents establishing your legal right to collect debts on their behalf Copies of any agreement or contracts that demonstrate my obligation to pay this debt A complete payment history, including dates and amount of all payments made towards this debt. I kindly request thar you orovide the requested information within 30 days of receiving this request as required by the FDCPA. Failure to comply with this request may result in a violation of federal law, and i will be forced to take appropriate legal action to protect my rights. Futgermore, i woukd like to remind you of your obligations under FDCPA, WHICH PROHIBIT Unfair, deceptive, or abusive practices in debt collection. I expect that youvwill conduct your debt collection efforts in a lawful and respectful manner, adhering tothe guidelines set forth in the USC. Please note tgat until the requested information is provided and the debt is validated, i dispute the validity of this collection account and request thst you cease all collection activities, including reporting this account tocredit bureaus. Any further atteots to collect on this debt without providing tge requested validation will be considered a violatio of the FDCPA. I trust that you will handle is matter promptly and in accordance with the law. I look forward to receiving the requested information and resolving this issue amicably. 
Please note, that this collection was once removed from my credit report and later stole to XXXX XXXX XXXX who reached out on numerous occasions for payment. I have no business with this collection agency znd eould be exercising my first by requested that they delete this ASAP off my credit report
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

The credit reporting agencies have asserted that these accounts were thoroughly investigated and confirmed as verified. However, this assertion raises serious doubts, as my credit report still contains multiple inaccuracies. 

As a consumer, I demand transparency regarding the specific steps your agency undertook to ensure the accuracy of these items, as required under 15 U.S.C 1681i ( 7 ) Method of Verification. It is my right to understand how these discrepancies were addressed and resolved to guarantee that my credit report reflects 100 % accurate information. 

The continued presence of these inaccuracies undermines my ability to manage my financial affairs and damages my creditworthiness unfairly. I urge your agency to conduct a thorough and genuine reevaluation of these accounts, considering all relevant documentation and evidence I have provided. 

I expect a prompt and detailed response that outlines the exact methods used to verify these accounts and how the discrepancies will be rectified to comply with federal law.
Consumer complaint received 2024-05-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I always make my payments on time and am certain of this. What confuses me is why this company is reporting late payments for certain months, which shouldn't be happening. According to USC 1666b, any billing errors should be corrected, or else the company owes me {$1000.00} for each inaccurately reported account.
Consumer complaint received 2023-11-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services (MD)

I have made several attempts to submit payments to EdFinancial in order to meet the deadline. However, each time I tried, the payments were inexplicably reversed by EdFinancial, resulting in additional fees imposed on me. Here is a record of the payment attempts : XXXX. {$100.00} payment to EdFinancial on XX/XX/XXXX ( Confirmation # : XXXX ) XXXX. {$100.00} payment to EdFinancial on XX/XX/XXXX ( Confirmation # : XXXX ) XXXX. {$100.00} payment to EdFinancial on XX/XX/XXXX ( Confirmation # : XXXX ) Despite my efforts, all of these payments were reversed, and I was notified by the company that I am liable for fees associated with these reversals. When I contacted EdFinancial on XX/XX/XXXX seeking assistance, the representative suggested that my bank might be responsible for restricting the transactions. However, beyond this observation, the representative offered no further solutions. They also requested that I verify my account number and routing number to ensure their accuracy. 

After confirming the details with the EdFinancial representative, I promptly contacted my bank to ascertain if any restrictions were placed on my account. As I suspected, the bank representative confirmed that EdFinancial made no attempts to collect the payments and that my account holds sufficient funds. In fact, my bank provided me with a written confirmation affirming the adequacy of funds in my account. 

The situation remains unresolved despite my repeated efforts, and it's causing unnecessary inconvenience and additional fees.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Continental Finance Company, LLC (AZ)

To Whom It May Concern : We are writing to inform you that we have filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your company 's failure to remove debts included in our federal bankruptcy. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( a ) ( 1 ), and the automatic stay provisions under Section 362 ( a ) of the United States Bankruptcy Code, debts discharged in bankruptcy should no longer be reported as active debts. Furthermore, any attempts to report or collect these debts are prohibited immediately upon filing for bankruptcy. 

Despite our previous attempts to resolve this issue directly with Celtic Bank/CONTFINCO XXXX the incorrect reporting of these debts remains on our credit report. This debt is still being reported to all three credit reporting agencies, and most notably, XXXX has continued to show the balance, late payments, and the debt to date. We expect immediate action to rectify this situation in compliance with federal law. 

Please confirm receipt of this notice and provide an update on the status of the removal of the aforementioned debts from our credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX Date of Birth Mark : XXXX Date of Birth XXXX : XXXX Last XXXX of XXXX for XXXX : XXXX Last XXXX of social for XXXX : XXXX
Consumer complaint received 2024-07-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (KY)

I declare under penalty of perjury ( under the laws of the United States if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further I certify that XXXX XXXX permitted by FEDERAL and STATE law to file this dispute. I also understand that knowing and willful MISSTATEMENTS or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods services or money, and was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.