davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-22
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)

There are XXXX accounts on my credit report that do not belong to me I have tried reaching out to the bureaus as well as the furnishers and they are nopt helping me out I need this taken care of asap!!! I need to know who is using my name or opening accounts what is this,. 
Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX - XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Consumer complaint received 2021-06-21
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. (WI)

For several months, I've tried to fix errors on my credit report with Experian. They are showing inaccurate information regarding 4 different accounts. They are showing a balance on XXXX XXXX XXXX ( Acct # XXXX opened XX/XX/XXXX ) that has been paid in full since XX/XX/XXXX. They are showing late payments and closed with note of included in bankruptcy instead of paid on another XXXX XXXX XXXX account ( # XXXX opened XX/XX/XXXX ) that is covered by the Cares Act, was paid in full and not included in bankruptcy- therefore this account should show current, not late and paid in full. Regarding XXXX XXXX XXXX Account, they show late payments and derogatory status verses XXXX  out and closed like the other credit bureaus which is a violation of my rights under the FCRA for inaccurate reporting. Furthermore, the account of XXXX ( acct # XXXX opened XX/XX/XXXX ) shows late but the debt was sold years ago and was a write off for this company, which means that the account should be deleted as I'm not liable or responsible per the FCRA. 
Experian 's constant refusal to fix their errors has caused me stress and thousands of dollars in higher interest when credit is needed. They are in violation and this needs to be rectified.
Consumer complaint received 2021-06-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for just a reason that my money sent to me is from gambling, fraud or anything as they said and they hold my money for 180 days, which is for me is not reasonable. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX I am from the XXXX and most of my friends are also have the same issue of getting hard their money. Paypal seems to bully us for just a small amount of hard-earned money. Covid is still here and Paypal also add to our problem. Thank you and Stay Safe.
Consumer complaint received 2017-03-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (VA)

Lender is not honoring the amortization schedule I signed at settlement that shows PMI ending with my XXXX 2017 payment. Stating that I need to continue paying until XXXX 2017 at an additional cost of {$6900.00} ( $ XXXX/mo ).
Consumer complaint received 2017-11-23
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: Medical Data Systems, Inc. (GA)

on XXXX of this year a sent MEDICAL DATA SYSTEMS D/B/A XXXX XXXX XXXX XXXX, FL XXXX a Dispute letter they responded on XXXX XXXX of 2017 Confirming they can not locate an account/s with the information provided on my Dispute Letter, FEDERAL LAW requires that only Accurate And Verifiable Information be Reported to a persons credit file MEDICAL DATA SYSTEMS can not Locate the Information on account/s being reported by them on my credit file i provided them with the EXACT SAME INFORMATION they are reporting to the credit Bureaus and if they can not locate and verify this information they are clearly IN VIOLATION OF FEDERAL LAW please see attached response letter from MEDICAL DATA SYSTEMS confirming THEY CAN NOT LOCATE INFORMATION BEING REPORTED BY THEM TO MY CREDIT FILE
Consumer complaint received 2021-06-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Express Collections, Inc. (MO)

I have been disputing this debt since XX/XX/XXXX with the Bureaus for reporting inaccurate information and since XX/XX/XXXX with the collection agencies. I requested for validation of the debt and sent me a unsigned contract and did not send all the requested validation documents and continue to report this information on my credit with EXPRESS COLLECTIONS. I asked for additional documentation and they just continue to ignore. Attached is the documents that they sent and an unsigned contract. They are violating my consumer rights! 

Express Collections responded back on XX/XX/XXXX under complaint ID XXXX and stated that they had my signature via docusign that's why it was not presented on the original contract ; However they STILL DID NOT provide the docusign signature which I can compare signatures to my Driver 's License signature. If this information is not sent via mail within 10 business days I will be filing a complaint with FTC, XXXX  and local attorney general 's office along with consulting with an attorney!
Consumer complaint received 2017-03-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

Ditech again misappropriated my funds to create any financial hardship it can to facilitate a default since it knows I am unemployed and Ditech refused to provide a HAMP modification for a completed XX/XX/XXXX application. 

Ditech is overcharging me and putting the money in escrow. It is attempting to use the fact that the escrow account is mine and therefore it is not taking money. 

However, it is still a misappropriation of funds and an increase in my note that I should not be paying. 

I was paying an additional {$10.00} per month for a total of {$1100.00} because there was an escrow shortfall. It was cured on XX/XX/XXXX, and in fact my escrow account is ahead. Yet, Ditech refused to make the adjustment in XX/XX/XXXX or XX/XX/XXXX when new escrow estimates are supposed to take effect. 

Also, Ditech placed {$72.00} in funds in suspense and then put the money in escrow. My note does not allow funds in suspense to be put into escrow. I asked for a refund and Ditech refuses. My note allows for refunds.
Consumer complaint received 2021-06-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (TX)

I have sent several letters via certified mail to Credit Acceptance, XXXX, XXXX and XXXX regarding a Car Repossession listed on my credit report. I have disputed the account for unfair and inaccurate reporting numerous times to no avail. I have also asked for the method of validation of these inaccuracies from all three credit bureaus only to be sent their computer generated verified as accurate letter from XXXX, XXXX and XXXX The account still to date has inconsistencies reporting to all three major credit bureaus. For instance, on XXXX the last pay listed as XX/XX/XXXX. Same account via XXXX last pay listed as XX/XX/XXXX. And XXXX last payment date is unknown. The account was previously listed as closed with no known updates since XXXX of XXXX. That is until XXXX updated payment history on XX/XX/XXXX and XXXX on XX/XX/XXXX with 20+ late payments as well as XXXX  dating back to original close date. I also noticed that each month from XX/XX/XXXX until now XX/XX/XXXX Credit Acceptance has been continuously updating the balance each month and accruing interest on said closed account. According to my credit report in XX/XX/XXXX the balance was {$13000.00} as of today XX/XX/XXXX the balance is {$15000.00}. Thats a difference of {$2400.00} in interest on a closed account in repossessed status. I find this to be not only illegal but unethical on Credit Acceptances behalf. I also find that all three bureaus are blatantly refusing to uphold the laws set forth by the FCRA for continuing reporting this false information. From my understanding Credit Acceptance is already involved in lawsuits and litigations by several other previous clients for these exact practices amongst other unfair account handlings. I am requesting that Credit Acceptance, XXXX, XXXX  and XXXX  remove this erroneous information from my credit report and that it also not be reinserted onto any of my credit reportings at a later date.
Consumer complaint received 2021-06-22
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: SYNCHRONY FINANCIAL (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-21
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 (CO)

The claim number for this issue is XXXX. 

On XX/XX/XXXX, I contacted Wells Fargo via phone to dispute some charges I have on my account. I said that I still had my debit card in my possession but noticed there were charges I didn't do on my account. 

The charges are : XX/XX/XXXX {$1000.00}, {$150.00}, {$150.00}, {$150.00}, {$150.00}, {$150.00}, {$150.00}, {$52.00}. XXXX {$3900.00}, XXXX {$1000.00} XXXX transaction date was XXXX ). 

I told them I was in the mountains during this time and didn't have access to my account during this time. My brother was able to assist me with some transactions and making a deposit while I was away without wifi. I was able to complete the filing of the claim. On XX/XX/XXXX, I received noticed that the claim was completed and rejected because a text message was received during when those transactions were completed. I told them that I would look into this further on my end. Around XX/XX/XXXX or XXXX, I called back to let them know I wanted them to reopen the claim because I have more information. 

I discovered spyware on my phone from a company called XXXX. During that time I was in the mountains, I had someone staying at my apartment who is friends with my cousin. I have 2 phone lines and I took my cheap phone up with me and left my main phone at the apartment. This person 's name is XXXX XXXX XXXX from XXXX. I tried to contact him or get in touch with him with no success. I have a strong feeling that he is the reason these transactions occurred. It would have to be an insider with access to my phone and banking information at home. I informed Wells Fargo of this new information still denied with claim when I called them back on XX/XX/XXXX or XX/XX/XXXX after reopening it again. I feel that they didn't conduct a thorough investigation into the information that I provided. I also had the same issue with my XXXX XXXX account as well. They concluded their investigation and credited me the funds back as well from XXXX during this same timeframe. I informed Wells Fargo as well about this. I would like Wells Fargo to complete the investigation and credit me back the funds that were taken from my account without my authorization. Thank you.
Consumer complaint received 2017-03-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (MD)

On numerous occasions I have disputed this account XXXX Now # XXXX with Experian. Upon receipt of my investigation results this account is reporting inaccurately. To date this account has not been corrected. Experian is violating my rights under the FCRA.
Consumer complaint received 2021-06-22
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: CITIBANK, N.A. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-22
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. (NC)

Experian - I have sent several dispute letters to Experian all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 90 days now and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get resolved.
Consumer complaint received 2023-03-15
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. (FL)

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 items 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 XXXX XXXX XXXX Inquiry : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: CITIBANK, N.A. (GA)

Macy 's is illegally re-aging an account lasted used in XX/XX/XXXX on my credit report and reporting to all reporting agency that the account is late. They are also reporting falsified payments to bring account up-to-date. They also used an falsified date of my lpusage being in XX/XX/XXXX when I have proof last usage occurred in XX/XX/XXXX. Also, the account was bought by XXXX and has been legally deleted with them.
Consumer complaint received 2023-03-15
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. (TX)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update or correct of the following erroneous information 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
Consumer complaint received 2021-06-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (AZ)

This is the third complaint about Pentagon Federal credit Union to the consumer finance. We have been trying to refinance our second home since XX/XX/2020, all we get is excuses and promises that they are working on it. Nine months to do a refinance for a company that already holds the note on our home is way too long. 
After multiple appraisals multiple credit checks jumping through every hoop they can think of they asked us to do we did, this is out of hand we understand they do not want to sell us a loan at a lower interest rate due to they will lose money but they are the ones that gave us the advertisement and told us to apply now. 
We have been handed off to multiple loan processors who said that the paperwork has been lost and they need to start over again. When will this stop?? please lets wrap this loan up weve done everything you ask were been very patient this is just ridiculous.
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (TX)

Earlier this year I attempted to log into my Barclays account but was unfortunately locked out. I could not access the account because I no longer have a credit card for the account. It is an old account that was closed so at this point I am just paying it off. When I spoke to Customer Service in XXXX of 2021 I was told the only way to access my account is to apply for another credit card which I do not want to do. At this point, I am now being denied access to my account. On top of that, I spoke with an agent to see if there was any way I could skip a payment due to my financial hardship, after she asked me a few questions the agent then told me I qualified for a 3-month deferral program that would allow me to skip my monthly payments for 3 months. However, they did not properly enroll me and now I am being affected negatively affected on my credit for 2 missed payments as well as additional fees. Not only am I denied access to my account I was also lied to by a customer representative.
Consumer complaint received 2021-06-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/2020 I went to XXXX XXXX XXXX store located on XXXX XXXX XXXX, XXXX XXXX, CA XXXX and purchase {$7000.00} more or less on furniture. 
Price agreed 111 a month 5 years, 10 percent interest rate on the whole amount which was {$7000.00} so 10 % on {$7000.00} was around 700, so {$7700.00} in 5 years around 130 dlls a month, but I canceled one piece of furniture so it went down to 111 a month. 
We signed and things were delivered. 
The messed up my floor and walls, and couldn't take dresser up so they left it in the middle of my kitchen ( complained to XXXX  and the came back 4 weeks later ) Then I got my first bill for XXXX plus late fee of XXXX I paid XXXX, called complained to synchrony bank, then XXXX 's, NOBODY GAVE A XXXX then a sup from synchrony told me, " go to the store, and tell XXXX 's to send us a letter saying XXXX a month instead of XXXX plus monthly interest, So I did that, went to XXXX 's, talked complained, they said yeah it was XXXX a month not XXXX, I showed him the app charging me XXXX he said he would send info. 
2 months later, the apps says I owe them XXXX plus dollars for fees and 2 owed payments. 
I called again. 
Nobody can help. 
Please help me