davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-13
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Cabela 's club ( Capital one ) sent me an email to pay on a card I don't have and never open in my name. 
Its a fradulent card ending in XXXX ... NEVER ... .applied or used. Stating I am two months behind {$100.00}. I have no idea who opened this account.
Consumer complaint received 2017-05-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

In  XX/XX/XXXX  we applied for a modification on our home at  XXXX   XXXX   XXXX   XXXX ,  XXXX , NY  XXXX .  Select Portfolio Servicing, In  c. n ever responded to our initial request. Upon follow up, we submitted a RMA in  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX . In  XX/XX/XXXX  we finally received a response from SPS approving us for a trial modification under the Makin g Home Affordable p lan. We made the required three modification payments in the amount of {$2100.00} each in   XX/XX/XXXX ,  XX/XX/XXXX  , and  XX/XX/XXXX . We were supposed to hear back with a permanent modification within 30 days of the final payment. We did not hear back from SPS, instead they kept telling us that the file was being looked over for approval. We continued to make three more payments in   XX/XX/XXXX ,  XX/XX/XXXX , a nd  XX/XX/XXXX .     After filing a complaint with the CFPB in  XX/XX/XXXX , we finally received a letter from SPS stating that they could not offer us the Tie r 2 HAMP  modification they had promised us in  XX/XX/XXXX , but would instead offer us an in house modification. We objected to the change but signed the papers they sent us because we did not want to lose our home. The papers were sent in  XX/XX/XXXX . We were notified in  XX/XX/XXXX  that we had put the incorrect year of  XXXX  on the papers we signed and they needed us to sign another paper. We were sent another set of papers. We signed those papers and returned them in  XX/XX/XXXX  along with another payment of {$2100.00}. SPS states that they can not accept these papers and the offer has expired.     In  XX/XX/XXXX , SPS sent us a notice that the previous offer expired but they were considering us for another modification. We received the modification papers dated  XX/XX/XXXX  requesting three trial payments of {$4700.00}. This is {$2600.00} more per month from the modification we were offered in  XX/XX/XXXX . Our financial circumstances have not changed and while we are not able to pay the {$4700.00}, we are able to pay the original modification of {$2100.00}.     In  XX/XX/XXXX  the home was appraised at {$480000.00}, in  XX/XX/XXXX  it was appraised at {$710000.00}, and  XX/XX/XXXX  it was appraised at {$690000.00}. Homes in this area do not increase over {$350000.00} in value. The appraisals from  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX  are inflated because  XXXX   XXXX  does not want to forgive the principal or interest payments on this loan. This is the reason why we never received an answer within the 30 days that we should have after the final trial mortgage payment was received by SPS in  XX/XX/XXXX .     We think that this is a deceptive practice and that  SPS  intentionally dragged out the paperwork for the modification until the Mak ing Home Affordable progr am was expired.  SPS  did not honor their agreements or the timeline by responding within the 30 day periods as stated by law.
Consumer complaint received 2023-02-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (MA)

I just saw a article about the lawsuit against Wells Fargo. My first car had a loan through Wells Fargo and it too way longer than it was supposed to to pay off even though payments were made on time. I inherited that loan from my mother and stepfather in XXXX. I was still paying it even after graduating with my first degree in XXXX. Since then Ive moved from my parents home and I also had also legally changed my name in XXXX to to cut off all ties with my biological father and his family. I do not recall if I ever notified them of the name change.
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NC)

This incident happened within the last few months of XXXX. Ive received somewhat a big direct deposit from getting payed from work and the about was probably around {$900.00} or so. Throughout my time making purchases my bank history was taking out money as I was being charged for these things I was charging but said pending which was totally normal. I didnt put much mind to it since it always does that and throughout that time of not putting much thought to it I was able to take out money from the Wells Fargo ATM and it still showed on the receipt that I had money left. For some reason I checked my account and all of my transactions were approved on one same day and left my account on negative. Now the issue is why let me take out money from the ATM and send a receipt that shows I still have money left but then leave my account in negative. It really doesnt make sense as to why all my pending transactions were approved within the day I made a purchase leaving my whole account on negative. Thankfully I wasnt charged over fees since at that time they were still doing the get pay early through direct deposit. If this wasnt a thing, they probably wouldve over drafted me a couple hundreds more. Due to this incident I no longer trust having my money in this bank and will probably switch banks. This is absurd and is definitely an inconvenience.
Consumer complaint received 2023-02-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (CA)

I have received on my credit report, Sequium Asset Solutions, has charged me {$950.00} for an XXXX XXXX XXXX bill. I have contacted XXXX XXXX XXXX  and they can not pull anything up when I have given them my information. I have looked online and the company is a scam and they have done this various times. I am disputing the charge from my credit report.
Consumer complaint received 2018-01-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (FL)

I purchased bitcoin ( {$500.00} ) on XX/XX/XXXX and sold it ( {$440.00} ) on XX/XX/XXXX. The funds did appear in my Wallet, but the funds never went back to my bank ( XXXX XXXX ). Coinbase Co. already had my bank and account number on file, so they should have been able to electronically move the money into my bank account. They make it almost impossible to get money back. Can you help? Thanks. XXXX XXXX
Consumer complaint received 2023-01-07
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: Admin Recovery, LLC (IL)

Despite a {$0.00} balance and oweing nothing to the store, XXXX XXXX  and XXXX XXXX are knowingly reporting false information to the credit bureaus. I have called XXXX XXXX and XXXX XXXX  DOZENS of times to to resolve the issue. XXXX XXXX was closed due to XXXX around the time of the incident and I was not able to contact XXXX until almost a year later once they reopened their physical location. XXXX XXXX once reopened acknowledged the mistake as well as provided a statement and email showing the correction and {$0.00} balance on account. This email and statement was sent to me in XXXX of XXXX but failed to do their due diligence to correct the negative impact it caused to my credit profile. 
Despite XXXX correction, XXXX XXXX  continues to report negatively and reported the account as charged off as well as a {$250.00} balance. I have dealt with nothing but incompetence for XXXX  years. 
XXXX furnitures XXXX XXXX XXXX reached out to XXXX XXXX in XXXX of XXXX multiple times to help correct the mistake.He responded by email but gave up once XXXX XXXX  was unresponsive. XXXX XXXX ignored this communication. 
XXXX XXXX, XXXX I walked into XXXX XXXX XXXX bank to speak with administration, and was given the operations XXXX ( XXXX XXXX ) at XXXX XXXX XXXX XXXX. He then called XXXX XXXX from stores land line to retrieve a letter stating the balance was not a charge off, not late and a balance of {$0.00}. XXXX XXXX  stated they would have to verify the stores " merchant number '' to pull information. They did not call back. 
The mix up occurred XXXX years ago and I have been dealing with this for XXXX  years. I have been denied loans and been impacted continually. This has gone on far too long. 

Around XXXX of XXXX an incorrect furniture delivery was made and returned ( picked up ) by XXXX XXXX shortly after. Im assuming They were negligent in relaying information to their servicer. This was at the start of XXXX. Everything was shut down and no one was responsive to calls. Once reopened, XXXX did acknowledge and attempt to communicate with XXXX XXXX. Now Ia m being told " admin recovery '' collections company is also reporting this.
Consumer complaint received 2017-05-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Prosper Marketplace, Inc. (NY)

Please note this complaint is about being an investor in Prosper, a peer to peer lender ( similar to  XXXX   XXXX   ), but there  was not an option to select for this.     Between  XXXX  I investe d ~ {$1300 0.00} in various notes and Annualized Returns for the period averaged around 10 % for this period. I recently received an email saying  Prosper  had incorrectly calculated the Annualized Returns, so they now appear to be about one half of what they initially stated, including a negative return in   XXXX  .      Had I known actual returns were less than one half of what was stated, I would have not continued to invest in loans. From speaking with a manager, it sounds that this was unintentional error, but nonetheless my investment decisions wer e based on their information.
Consumer complaint received 2023-01-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

I was informed of the judgement by a third party while trying to purchase a home this year. I was not aware that the judgement existed until then. The debt is not on my credit report. I was never served any documentation on any judgement. The debt is dated for 2014, which is over 7 years old.
Consumer complaint received 2022-12-03
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. (LA)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or 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 & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX Balance : {$36000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

On XX/XX/2019, I signed up for TransUnion 's TrueID app and service and, through the app, locked my credit account as a security precaution. Within one week of doing so, my credit score dropped more than 50 points. This is despite the fact that no major events occurred. In fact, all that occurred, per the company 's own admission, is that my balances went down ( as they had been every month prior ) on my home loan, auto loan, and two credit card accounts. The company told me that the significant drop was " normal. '' However, my XXXX score ( which lists the exact same accounts ) remained unchanged and is still generally unchanged. 

I simply find it not credible that they do not somehow link my usage of the TrueID app to my score given that they can not provide any other specific reason for the score decline.
Consumer complaint received 2018-10-09
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Northwood Asset Management Group (OH)

XX/XX/XXXX My Grandma had received a phone call from a company stating they needed to speak with me, I am unsure how they got her information. I called the agency, they had said I owed a debt and needed to pay it as soon as possible to stay away from legal action and brought up tax season. The gentlemen stated he would be sending me information to my e-mail since I told him this debt was already paid and had a letter that gave a confirmation number, I submitted it to this company but they stated it was not valid. I provided this gentlemen with an e-mail address three different times, along with sent an e-mail with the paperwork I had. XX/XX/XXXX He still did not send me information on the loan I supposedly owe. I have proof the loan was paid through bank statements. He was very rude and even brought up contacting my work and this going on my credit report. Pushed me into setting up a payment arrangement. The phone number I was receiving calls from was a different one I was told to call.

He said he was from NAM Group in XXXX, NY.
Consumer complaint received 2023-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY (NY)

I received direct deposit from my paycheck to American Express Serve. They were 3 purchases made with my card n I told them repeatedly that it wasnt me who made the charges. They said they have proof I Told them I was at work n I live in XXXX The purchases were done in XXXX in XXXX while I was at work. 
I only use my American Express serve card for ATM withdrawals in XXXX only. 
The amounts were on XX/XX/23 for {$130.00} XX/XX/23 for {$53.00} both purchases from XXXXXXXX Please help me get my money from my direct deposit back Thank you
Consumer complaint received 2022-11-28
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. (AR)

XXXX HAS FAILED TO TAKE OFF ACCOUNT ON MY CONSUMER REPORT. THE ACCOUNT NUMBER IS XXXX ON MY EXPERIAN REPORT, XXXX, XXXX. HOWEVER XXXXXXXX XXXX HAS SENT AN EMAIL STATING THIS IS NOT SUPPOSE TO REPORT TO MY CREDIT FILE AND WILL SEND PROOF OF EMAIL FROM THEM
Consumer complaint received 2023-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

checking my credit report ive noticed alot of invalid information that is hindering my credit reprort. I am intrested in disputing all incorrect information on my credit report with transunion. please update all changes to my file.
Consumer complaint received 2022-11-21
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. (NV)

Beginning in XXXXXXXX XXXX XXXX I have been trying to have my credit reported updated to reflect my credit history accurately. I have sent letters to each of the three ( 3 ) major credit reporting agencies ie XXXX, TransUnion and XXXX. I have disputed information that each agency has received from third party agencies which was done without my consent. I have asked each company to remove this incorrect/unverified information from my credit reports and all three ( 3 ) have refused to do so stating that they verified the accuracy of these reports. This information could not be verified correctly and the FCRA states that a CRA must remove or correct inaccurate or unverified information from its files. In the time frame given, up until today which is XX/XX/2022, these corrections have not been made.
Consumer complaint received 2023-01-07
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. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Have violated my rights. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX account # XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX account # XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX account # XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX account # XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX account # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  account # XXXX XXXX account # XXXX XXXX Account # XXXX XXXX XXXX  account # XXXX The address of XXXX XXXX XXXX XXXX has no affiliation within myself I also have never been employed by a company called XXXX and this is also reporting inaccurate. 




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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2022-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXXXX/XX/XXXX Open Last Payment : XX/XX/XXXX Didnt open or made a payment for this fraudulent account. My wet signature isnt on any documents. Phone calls & letters were sent, never any feedback!
Consumer complaint received 2023-01-07
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. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$1600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-07
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. (MI)

I am rejecting this response because : this account was removed from my credit report and put back on according to 15 Us code 1681i subsections ( 5 ) ( b ) ( I ) If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Also ( 5 ) ( b ) ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify theconsumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by theconsumer for that purpose, by any other means available to the agency.
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, 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. (WA)

On XX/XX/XXXX XXXX XXXX XXXX and on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX with out my permission or consent added one hard inquiry each for a total of two hard inquires to my consumer credit report with TransUnion Credit Bureau. This was in direct violation of 15 U.S.C. 1681 section 602 A. my right to privacy, 15 U.S.C. 1681 Section 604 A Section 2 : stating a consumer reporting agency can not furnish a account without my written instructions, and 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.