davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (TX)

Per the ( Privacy Act of 1974 ) need this account to be deleted immediately from all 3 credit bureaus ( XXXX, XXXX XXXX ) that are reporting this to my credit! I have never given any written or any other consent for this company to report anything to my credit or for my information to be sold. ( 15 USC 1681B ) According to Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ''
Consumer complaint received 2018-07-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc (FL)

I had USD {$3.00} as balance in my Paypal account and I decided to withdraw it, transferring that to my bank account ( already verified by Paypal ).

The transfer transaction was done by me on XX/XX/2018, according with Paypal it takes from 1-5 days to be the money in my bank.

I received an email from Paypal on XX/XX/2018 informing the money was being transfer and the estimated arrival was going to be in 1 day. 

I have called many times to Paypal costumer service and the answer was just wait that the money could enter to my account the next day. 

Today, it's been almost 15 day and I do not have the money in bank account.

I talked with the bank and they said they don't see any intents of transaction from paypal in my bank account.

Finally I talked again with customer service supervisor and she told me, that now she could see it was Tecnical Problems with the transfers made between XX/XX/XXXX and XX/XX/XXXX, and they do not know when the money could be available. 

Meanwhile I have to pay interest for that money and latefees.
Consumer complaint received 2023-12-23
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (MA)

Commenity Bank issued 2 credit cards in my name without my knowledge or consent to open these credit cards. They are for an express credit card opened on XX/XX/ and Victorias Secret credit card opened on XX/XX/. This is illegal and unethical and it is not the first time they have done this to me.
Consumer complaint received 2024-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (AL)

NewRez and XXXX XXXX XXXXXXXX offered a forbearance plan during COVID with several repayment options. The option I chose was placing the amount on the back end of the loan and start back in the payments. It became time for me to begin paying on the mortgages only to be told the option I chose doesnt exist any longer. Bait and switch. After going through the motions NewRez wanted me to be on a 3 month trial period with a lower payment. Around {$400.00} less per month than the original payment. I had to call in the payments which I did. I was told to wait until I hear from them to move forward. A couple of months go by and no word from the mortgage company. I called to see what was going on to find out my loan was in the attorneys office for foreclosure! Many calls going nowhere were made and they told me I had to pay back the amount in full that was supposed to be put on the rear end of the loan. A sum of {$45000.00} We had strangers knocking on our door telling us how we can get out of foreclosure, mail, emails, and unanswered messages left with the mortgage companies attorneys office. We had to beg and borrow the money to keep our home of nearly 17 years. Afterwards, we received a new mortgage statement with a monthly note higher than the original mortgage payment! Just as soon as we paid the {$45000.00} we were told we owed a payment for the same month.. less than a few months after all this happened here we are again getting calls from their attorneys office for foreclosure while we have not missed a payment. ( All payments are documented ). The CARES Act forbids mortgage creditors to demand repayment however both NewRez and XXXX XXXX XXXXXXXX do not follow the rules made by our government. Today after begging and borrowing enough to keep our home they are after us again! Please help
Consumer complaint received 2023-06-08
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. (NV)

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Consumer complaint received 2022-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

I sent a letter off to the CRA To remove personal information that I do not want on my credit report. Any other personal name variation and address variation is inaccurate and need to be removed. My official government issue identification name is XXXX XXXX XXXX, I do not goby any other name. My only address XXXX XXXX XXXX, XXXX, XXXX no other address is mine never lived there. I pay all my utilities at the above address and that address is on my official government identification According to the fair credit reporting act 12USC 1681. I have the right to privacy. Also to according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights.

According to 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2023-09-21
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)

This is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX. Please delete this account ASAP.
Consumer complaint received 2023-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BMO Bank, N.A. (CA)

I received a credit card from Bank of the West on XX/XX/XXXX for an account that was opened on XX/XX/28. I attempted to close the account with the bank but I am suspicious of the number that was provided. I received the card at my home. When speaking to the Customer Service Representative they were obstructive and continued to ask for further information. I was told that I would receive a letter to document the closure of the account.
Consumer complaint received 2023-04-25
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. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX is not marking a payment I made on my credit report. Rather than mark my payment current it marked as ND which dropped my credit report XXXX points. I had extended my loan and was told that it would not affect my credit and even paid my car off before the extension was over.
Consumer complaint received 2023-07-03
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. (MI)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-12-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Stark Collection Agency, Inc. (AZ)

Since XXXX  I have been working with Stark Collection. This bill is for XXXX they are reporting that XXXX XXXX XXXX gave them this collection, but Stark Collection has not been able to provide proof that collection belongs to me, my signature, and XXXX XXXX XXXX even removed this from my account and credit XXXX because it is incorrect. They are sharing my information that is incorrect, and a violation of my rights and consumer privacy.
Consumer complaint received 2024-02-25
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC (CA)

I did a title loan with Westlake Financial Services. In XX/XX/XXXXmy car was repossessed and I was asked to pay {$1600.00} and then it was changed to {$2900.00} by XXXX XXXX ( as it is written on the letter emailed by Westlake Financial ). I was verbally told over the phone to pay {$2900.00} and {$1000.00} on XX/XX/XXXX to have my title released within 15 days. On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I still try to call the office with another XXXX XXXX phone without success. On XX/XX/XXXX I called to make the payment of a {$1000.00} and they refused to take my payment stating it was past the deadline ( 1 day ) and that I now owe {$8200.00} ( from {$1000.00} ). I have been calling for days and I was given different figures such as {$8900.00}. {$7900.00}, {$5300.00} and now {$4200.00}. Their supervisor has been avoiding me. The letter sent to me by Westlake never mentioned XX/XX/XXXX as the last date to make the payment. Verbally I was told XX/XX/XXXX, and it was never mentioned to me that If I didn't make the payment on that date the deal will be off. I have the recording with me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I just want to close that situation. I am willing to pay the {$1000.00} they have requested over the phone and get my title back. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Trans union is STILL telling me that a bankruptcy that is FALSELY listed under my name due to identity theft is coming back saying that information is verified as accurate! I have NEVER FILED A BANKRUPTCY!! Nor do I have any accounts showing a discharge of bankruptcy!! This was put on my credit report and ONly On trans union report..I have sent in everything including a letter from the us bankruptcy court to them directly w/a dispute letter. Yet they still come back saying verified as accurate!! THIS IS NOT TRUE AND I WANT OFF MY REPORT! They use a 3rd party that verifies it off of what because the courts DO NOT SEND ANYTHING TO VERIFY A BANKRUPTCY! They are liars because they say the info is verified as accurate!! By who?? They wont tell me!! Ive requested it 10 times now!
Consumer complaint received 2023-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I had a wells Fargo account and my account had a balance of XXXX dollars and within 3 days XXXX was gone the bank accused me of making fraudulent deposits which I did not I explained to the bank it wasn't me they still closed my account an took my money please help
Consumer complaint received 2023-12-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (ND)

XXXX XXXX I could no longer pay my Home Depot credit card XXXX XXXXXXXX. It was from my previous marriage and was a card for our business but was in my name and after splitting with my husband he took the business and left me with nothing. I was continuously contacted from the credit card company and finally settled with them for {$300.00} which was a fraction of the over {$3000.00} card owed XXXX XXXX XXXXXXXX I was served a court order from a XXXX XXXX XXXX XXXX attorney XXXX  XXXX  on behalf of XXXX XXXX XXXX saying I owed this debt even though it was after the XXXX years legal to collect the debt in XXXX and was now a legal resident of XXXX XXXX so XXXX  years is the legal limit and even though I had previously settled with the credit management company. Today XX/XX/XXXX I received a notice of garnishment of earning dated XX/XX/XXXX saying I owed now {$4000.00}. I just spoke with the attorney and they told me the call was being recorded they received this XXXX XXXX XXXX XXXX XXXX XXXX XXXX which I informed them was XXXX years past the legal standing to attempt to collect a debt in XXXX  since that was where this case started and even if it went to XXXX it was still a year past their legal standings and the attorney told me this call was over and hung up on me.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I spoke to a customer service agent on the phone before paying my balance off this credit card. The balance was settled and it's still showing on my credit report as a closed account. Customer service agent on the phone told me that it would not be reported as a closed account and affect my credit report or score. Well it clearly was reported as a closed account and is affecting my credit report! I should not be punished for paying the balance on this card and having it show as a closed account!
Consumer complaint received 2024-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

XX/XX/XXXX : Submitted XXXX for work from XXXX XXXX ( XXXX ) to XXXX  XXXX ( employer is out of business ) XX/XX/XXXX : Called XXXX to check on status, they said it was denied because I didn't submit W2s ( there were no instructions to do this ). I submitted W2s. 
XX/XX/XXXX : Called again to check on status, they said employer was rejected as not qualifying, but they looked it up and said it was a mistake. They submitted for re-review and said my loans would not move to MOHELA until this was settled. 
XX/XX/XXXX : All loans were transferred to MOHELA. I uploaded XXXX XXXX XXXX and XXXX to MOHELA. 3 months later this was marked as " duplicate '' form. 
XX/XX/XXXX : Re-submitted W2s and XXXX. 
XX/XX/XXXX : Called MOHELA. They said I needed to submit proof of 501 ( 3 ) c status. Submitted. 
XX/XX/XXXX : Was told that employer was approved ( it was now listed under employment periods ) and payment count ( 25 additional payments ) would be updated soon. Re-work was submitted. 
XX/XX/XXXX : Was told that prior person submitted the wrong form. Worker submitted " data feed '' document to request update. Should receive update in 3-5 days. 
XX/XX/XXXX : Agent submitted another re-work when count didn't update, said it should update in 90 days. 
XX/XX/XXXX : MOHELA said still pending XX/XX/XXXX : MOHELA not sure why it's not updating. Submitted another re-work of application. Said 30-60 days. 
XX/XX/XXXX : Agent said she thought it might be a signature issue where the form was electronically signed and should be a wet signature. But now they are accepted. 
XX/XX/XXXX : Status changed to " processed '' but no update on count. Called MOHELA who said it was denied again but couldn't tell me why.
Consumer complaint received 2018-11-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (GA)

There is an account that is showing up on my credit report ( NATIONAL CREDIT SYST / XXXX / XX/XX/2013 / {$3500.00} ). This account is incorrect and is not mine.
Consumer complaint received 2023-07-10
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. (NY)

I disputed XXXX XXXX XXXX on all 3 credit bureaus. XXXX and XXXX removed it from my report but Experian left it on
Consumer complaint received 2024-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent the credit bureau supporting documents to remove the inaccurate information from my report. Showing XXXX XXXX, XXXX XXXX, inquiries, the bureau refuses to send proof of validation, but continue reporting the inaccurate information on my report. They also validated the FCRA LAW Code. Failure to respond within 15Days of receiving certified documents.
Consumer complaint received 2021-01-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC (MI)

Rent Debt Automated Collections contacted my niece who contacted me the week of XX/XX/2020. Apartment complex left a note on my door in XXXX of 2020 stating 60 day notice needed to be given if you intended to leave at the end of the lease XX/XX/2020. I spoke with someone in the leasing office who stated I only needed to submit a 30 day notice, I did however still e-mail ( in XXXX ). I turned in keys ( XXXX or XXXX ) and spoke with leasing office who stated no monies was owed. 5 month later I received a call from a debtor stating I owed XXXX XXXX in XXXX, MI {$850.00} but could not give an explanation of what the balance was for. I also never received any prior phone calls/e-mails/letters from XXXX XXXX  or the Collection Agency ( Rent Debt Automated Collections ) in regards to the debt. I made several attempts to reach out to XXXX XXXX but no one will call me back.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (CA)

XXXX US BANK FRAUDULENTLY ACCOUNT THAT WAS OPEN IN MY NAME, I HAVE BEEN SPEAKING WITH US BANK FOR THE PAST YEAR NOW ABOUT XXXX FRAUD ACCOUNT THAT WAS OPEN IN MY NAME, US BANK HAS IDENTIFY THAT THE ACCOUNT WERE OPEN FRAUDULENTLY THEY HAVE TOLD ME SEVERAL TIME THAT THEY WILL BE REMOVING THE ACCOUNT FROM MY CREDIT REPORT AND THIS HAS NEVER HAPPEN, THIS IS EALLY IMPACTED MY CREDIT IN SOME MANY NEGATIVE WAYS, I HAVE REQUESTED DOCUMENTATION FROM XXXX BANK REGARDING THE FRAUD ACCOUNTS AND THEY NEVER RESPONDED. THESE ACCOUNT ARE FRAUD AND SHOULD BE REMOVE FROM MY CREDIT PROFILE IMMEDIATELY. I HAVE DONE MY PART BY REACHING OUT TO THEM TO FIX THIS PROBLEM MANY TIME AND NOTHING HAS BEEN DONE. THE ACCOUNT INFORMATION IS LISTED BELOW. I HAVE ALSO FILE A POLICE REPORT AND SEND TO THE FRAUD TEAM AND STILL NO RESPONDED. 

US BANK Account XXXX Date open XX/XX/XXXX Status : closed due to fraud Status update ; XX/XX/XXXX Credit Limit XXXX US BANK Account : XXXX Date Open XX/XX/XXXX Status : Closed due to fraud Status update : XX/XX/XXXX Credit Limit XXXX US BANK Account XXXX Date open : XX/XX/XXXX Status : Closed Due to fraud Status update : NO STATUS Secure Credit Card limit XXXX ALL ACCOUNT ARE FRAUD AND SHOULD BE REMOVED FROM MY CREDIT REPORT. 


I have Attach a FTC Report for your records.