davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-29
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)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2016-01-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Recovery Solutions, Inc. (OH)

Myself and my children are receiving calls from a company that they identify themselves as First Recovery Services/Solutions. They state it is in reference to claim number XXXX and they have my complete social security number. They state I may clear the debt up with a credit card number for the amount of {$590.00} or court proceedings will commence. I have requested paperwork for the claim and they state I already have it, I do n't. They state it is for a Pay Day Loan Advance that I took out online, I did not obtain a pay day advance. I ask for their address all the information they will tell me is that they are located in XXXX, FL. The calls are from several different XXXX numbers. XXXX, XXXX to name a few.
Consumer complaint received 2024-11-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC (MS)

I started getting phone calls from Sunrise Credit Services. I was getting 3-4 calls per day. I answered and they were asking for a credit card to pay a debt. I asked them to send a statement so I could figure out who it was. They said they already sent it and I needed to pay. I asked them 4 different days to send a statement and they said they would and never did. A lady called who was very rude. I told her to send a statement and she said they already did and this was going on my credit. I checked my Credit last month and they are reporting it to all 3 bureaus. They did not validate the debt, there is no agreement and they called me over 30 times without my written consent. I am on the Do Not Call list and have been for 12 almost 10 years. 

Again, there was no agreement. They could not produce the Bill of sale, chain of command and would not even send a statement.
Consumer complaint received 2024-04-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: SANTANDER HOLDINGS USA, INC. (NJ)

Dealer didn't give any information to me. They took huge percentage for loan. This is more than market rates. I asked tham several times who is the loan provider? They didn't give me any printed paper and told that i would learn loan information after receiving mail. So, when i bought the car i didn't know that loan was very expensive. They also didn't tell me the name of loan supplier. I learned its name after their mail to my home.
Consumer complaint received 2023-06-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (FL)

This claim pertain to XXXX credit card. I have signed for a 18 months interest fee credit on purchase from XXXX XXXX back on XX/XX/XXXX, which would be due by XX/XX/XXXX. I have made my last payment on this purchase on XX/XX/XXXX, with a deposit of {$2000.00}. However, to my horror surprise, I was charged with a XXXX dollars in interest which I believe is fraudulent. The contract, lack transparence, as no where is to see such charge. Also I have never received any notification from this bank regarding my account and upcoming payments. 
I have tried to settle with the bank over multiple phone calls I made, without a resolution. The agents would have same script answer as there is nothing to do in this situation, so every time I tried to escalate to a supervisor I would be disconectted.
Consumer complaint received 2023-06-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc. (LA)

I received a letter on today XX/XX/ threatening to sue me if a payment is not made. Luckily I made a payment on XX/XX/ because when I tried to go in and verify that my payment had been applied today on XX/XX/XXXX  it says I have no active account. It has just been one thing after another with this company from the constant harassment despite me sending a letter asking them to stop now them threatening to sue me when they have never reported to any of the credit bureaus of my accounts being 30 days late and I check on multiple credit monitoring sites both paid and unpaid ( XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX  So I am including a screenshot from credit wise where Tower Loan had reported on my credit on XX/XX/ that my payment status with their company as 100 % on time payments. So now I feel they are trying to set me up so they can sue me since my accounts just so happen to say no active account after they just conveniently set me a letter threatening legal actions.
Consumer complaint received 2022-11-27
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. (IL)

Equifax violated my rights a Consumer when they reported these accounts on my credit report. I never gave Equifax permissible purpose and by law I have the right to exclude what I want from my credit report as I explained in the dispute letter attached.
Consumer complaint received 2023-06-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

Hi CFPB Team, My Name is XXXX XXXX, This is the second complaint in this portal, the first one is XXXX5, Im filing this complaint again as the Bank ( Wells Fargo ) people did not help me get my funds back into my account. There are many unauthorized transactions in my account that I did not authorize. This conversation with bank people has been going on for many months. Yet they did not resolve the issue. After realizing there are many unauthorized transactions, I contacted the bank to help me with this issue. I filed a claim with Claim no XXXX. 

First, this case is given to XXXX ( Investigation Officer ), and I don't know what he investigated just denied the case, saying, I knew about these transactions. After rejecting it they sent a letter to me, saying I'm responsible to contact the merchants who deducted money from my account. 

So, I tried communicating with merchants XXXX, XXXX, XXXX and XXXX. I had an email conversation with the merchant, that I dont have any accounts with them and asked to verify by providing my ID and address proofs to the merchants. After verifying in their system, they are ready to help me but not directly they mentioned contact through officials and bank people. 

I conveyed the same to the Wells Fargo Bank, but the bank people did not contact the merchants, they clearly are not investigating this case properly. I lost all my savings, but Bank people are not helping to get my money back. 

After so many conversations with Wells Fargo Bank, this case was again given to XXXX XXXX XXXX XXXX, another investigator. I explained everything to him, but he also refused my claim saying that I knew about these transactions. Im fighting for my money, which I lost. They really dont care about the customers. 

I tried reaching customer care several times and asked if I can talk to XXXX, after so many conversations finally XXXX called me, and after listening to my concern, he files a CCN complaint with reference ID XXXX on XXXX of XXXX XXXX  This CCN complaint will take another 120 days to get resolved. Im just waiting here, to get my money back. 

I dont want bank people to invest so much in this, just contact the merchants, and inquire about my information in their systems by showing the email conversation I gave to the Bank and these merchants are ready to help, they will give my money back. But Bank people clearly said they will not contact the merchants. 
CFPB team, please help me to get my money back.
Consumer complaint received 2017-03-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I asked for a loan Modification ... .has paid the trail period a few times ... But the loan interest is still high and the payments not as good as XXXX and otehr banks ... THey are not discountqsing THe Obama XXXX discount of {$100000.00} per mortgage ... loan ... Iasked for a modification agreement not a lien modification agreement ... .We both must agree on something and erase all the arrears since this loan is a toxic loan, given up from XXXX XXXX They should give what the consumer can afford ... SPS servicing can only erase {$300.00} or less on d payments infact other banks and collection agencies drop to {$800.00} less and up to {$1000.00} less from current payments ... because they dropped their interest up to 2 % a year for 5 yrs..then it goes up..after five years of payments ... we want to resolve this issue ... immediately, they are forcing me to sign ... a contract that I am not happy and still high..monthly payment ... Thank You ... XXXX or XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2023-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BOK FINANCIAL CORP (OK)

ACH transactions, mortgage & bills, were duplicated causing an overdraft and subsequent lock-out of access to funds. Unable to get through to bank for assistance or explanation as recordings and postings simply state " working on the problem ''. I am concerned that this issue will be swept away. Wanted to make sure regulatory agencies were aware. 

I realized this may be an error, but I would expect an expedient resolution and or measures that would prevent this from ever happening in the first place. A similar occurrence happened to me in the past with another back. 

Given the current financial climate, one would expect a high level of concern for depositors. I will investigate alternative banking solutions as BOK has severely downgraded my opinion of their competence. 

XXXX
Consumer complaint received 2021-10-15
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. (OH)

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-06-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

My mortgage payments have sky rocketed in the last 5 years. my homeowners insurance was increase to $ XXXX in the last many years i had two claims in XXXX for roof damage due to storm and water damage to my basement. i have just received notice that my new mortgage will be {$5600.00} starting XXXX XXXX my mortgage company is SELECT PORTFOLIO SERVICING AC XXXX XXXX My home owners insurance is by XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have a feeling they are robbing me blind. i am XXXX yrs old and i am worried i will loose my home. i been living in my home i purchased in XXXX and i still owe {$350000.00} despite paying mortgage since XXXX
Consumer complaint received 2023-06-01
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: CREDIT ACCEPTANCE CORPORATION (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Numbe # ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 an 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. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2022-11-30
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. (FL)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Transunion credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$2300.00}
Consumer complaint received 2023-06-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (PA)

There is a collections account I found on my credit report that is being managed by Midland Credit Management. When I first noticed it I did not recognize the account and I disputed it. Since I started disputing this account the amount has gone up several times. This is a collection account which is closed so according to Title 18 of Pennsylvania code the amount of the debt owed can not increase without being made clear before hand. Since I have never had any communication with Midland this violates Pennsylvania Law. 

Title 18 ( b.1 ) Unfair or deceptive collection methods. -- It is unlawful for a collector to collect any amount, including any interest, fee, charge or expense incidental to the principal obligation, unless such amount is expressly provided in the agreement creating the debt or is permitted by law.
Consumer complaint received 2023-06-01
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY (CA)

I am custodian on 2 CDs that grandma purchased in the XXXX for XXXX grandkids. 

The CDs were purchased at CoreStates PA bank. They were setup for automatic renewal and no action was required on our part. They were placed in a safe deposit box at a bank to be redeemed when the kids reached maturity and the funds were needed. We have not moved our residence since that time and have received any notification from the bank regarding these CDs. 

We would like you to help us to redeem these CDs since the issuing entity, CoreStates PA, is unreachable. The initial CD amounts are {$5000.00}, and {$1000.00}. 

We have the original CDs and will send copies on request. 

Thank you, XXXX XXXX Custodian
Consumer complaint received 2023-06-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Loan Payments : XX/XX/2023, {$1000.00} Principal Only not applied as requested, the interest of {$130.00} shows as reversed. Yet they seem to apply more daily compound interest for the next several days. 

XX/XX/2023, {$10000.00} Principal Only not applied as requested, the interest of {$17.00} was captured when requested to be reversed it has not been applied to date and again daily compounded interest is being captured by the bank. 

I have spoken to the Bank on several occasions and they have not corrected the interest charged for these payments every attempt I have made has not worked so I informed them I would be filing a complaint and seeking a reward of the interest and possibly more based on their negligence.
Consumer complaint received 2021-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint because the following credit bureau ( s ) have ignored my request to provide me with the documents that their company has on file that was used to verify my accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly " delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you. 

XXXX : 1. Validate Account XXXX Account Number : XXXX 2. Validate Account XXXX Account Number : XXXX 3. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX : 1. Validate Account XXXX Account Number : XXXX 2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX TransUnion XXXX 1. Validate Account XXXX Account Number : XXXX 2. Validate Account XXXX Account Number : XXXX 3. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-06-01
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. The XXXX credit cards was opened XXXX XXXX receiver of account was XXXX XXXX XXXX collections agency on XXXX XXXX was the date they received my credit card account. A settlement arrangement of XXXX was made with XXXX XXXX XXXX to settle my account for the payment I made on XXXX XXXX in the amount of XXXX and they did not hold up there end of agreement to get the account deleted. 


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 that a consumer reporting agency can not furnish an account without my written instructions. 

On Tuesday XX/XX/ I called in and I asked the company to do a thorough verification and investigation on my credit report because the payment I made was to settle the account and they stated that they completed verification and that everything deemed to be accurate and had been reported to all 3 credit bureaus. Even after speaking with them I did a thorough research for myself and I found improper inaccuracies on the credit report even after they did the thorough research and investigation on this account it's still listed on my credit report after being resolved. I reached out to the company and they tried to make me do a payment arrangement and I stated that I was not going to pay for a account that is supposed to be settled.
Consumer complaint received 2023-06-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (FL)

This letter is to inform that we are reaching out in regards to property address XXXX XXXX XXXX. XXXX, FL XXXX with loan # XXXX, in the original amount of {$130000.00} dated XX/XX/XXXX XXXX XXXX ( attached ) recorded on XX/XX/XXXX in XXXX XXXX Page XXXX in XXXX XXXX. The satisfaction that was provided from Wells Fargo Home Mortgage Recorded on XX/XX/XXXX in Book/Liber XXXX Page XXXX refers the incorrect Page from the Satisfied Mortgage mentioned above ( attached ) which should read XXXX XXXX vs XXXX XXXX.
Consumer complaint received 2023-06-01
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (OH)

Transworld Systems Incorporated contacted me on XXXX XXXX and stated that I still owed them {$9000.00}, but I was making payments to them every month for {$110.00}, they said I still owe 46 payments of {$110.00}, I agreed to the amount. I just want to know if I really owe that much back to them? Thank you
Consumer complaint received 2023-06-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NC)

I called Best Buy credit company several times about updating my available balance and they say it takes 10 days because I made a payment {$500.00}. I fill discriminated because I am XXXX and they think I dont have the funds to pay this amount. The funds have cleared my bank account and they still want update my availability. They updated the balance owed and says no payment due at this time. I even paid my balance two days before due date and they is giving me a hard time.
Consumer complaint received 2023-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (OH)

No information was given regarding the account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting