davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC ()

Hello, I am about to turn XXXX this year. I have health problems due to XXXX, which XXXX my mother in law and that is how I got behind. My daughter also just passed away recently. 

The reason I am writing this letter is because my mortgage company will not stop asking for the same documents over and over again. This is a huge burden as I have to wait for a ride to the library to fax documents over and over. 

I just want to make my payments again and stay in my home. Even with the death of my daughter I am able to make my payments again, I just need help to become current so I can make the payments. I also have my grandson living with me helping pay - I have sent in his paystubs and his information numerous times as well. 

Please help me as you can see I have done everything you have asked I am going around in circles and just want this to be resolved. 

Any help you can provide will be greatly appreciated. 

Thank you, XXXX XXXX
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/2022, I went into my portal to pay my Capital One bill which at the time showed on the balance due screen a balance due of {$550.00}. I initiated that payment assuming that my bill was taken care of, however unbeknownst to me in XXXX I received an update from my credit reporting app that I had received a 30 day late payment from Capital One. After calling into Capital One to get clarification on why this payment was reporting 30 days late, I was told that the payment should have been {$550.00}.
Consumer complaint received 2023-01-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Idaho Housing And Finance Association (WA)

Applied for mortgage relief under the CARES Act but after being interrogated by HomeLoanserv in XXXXXXXX XXXX ( XXXX ), I was denied. On XX/XX/2022, I forwarded a letter to XXXX XXXX XXXX XXXX, President informing them that It is my understanding of the law that as long as your request is XXXX  related mortgage companies are obligated to provide assistance under CARES Act.
Consumer complaint received 2023-02-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (CA)

There is belief that my auto loan on XX/XX/XXXX of a XXXX XXXXXXXX XXXX XXXX XXXXXXXX had miss applied charges and wrongful fees applied to my account of XXXX over the last two years. Ive received guidance on making a payment in a branch or over the phone but I truly believe with countless amount of representatives over many of states my account has been miss represented and falsely informed with my payments having the proper handler. The original finance agreement is {$32000.00} with a payment due date of the last day of the month and a maturity date of 19 days post due date. In which i have managed to pay month by month in which is nearing 2 years now and I believe in the saying I just work here but through this case in such institution as a Wells Fargo bank, that should not apply. With money handlers and tellers working with financial standing, life savings, investments that should not compare to a cashier asking for payment for a bag of chips or a tank of gas. I am grateful for the loan but I greatly regret seeking assistance through Wells Fargo customer services.
Consumer complaint received 2024-06-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (TX)

I filed a dispute with cash app for a refund overpayment from a medical procedure from my provider. The original payment was for XXXX & the merchant did a refund on XX/XX/24 for XXXX back to my cash app card. But cash app is denying it even after I gave them the transaction ID for the refund from the merchant & will not refund my money.
Consumer complaint received 2023-03-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (IN)

I became aware of a debt I owed regarding an eviction that had been finalized by a court. I was told by the property management company that the debt had been placed with Hunter Warfield. At this point no record of the debt was reflected on any credit reports. I was told the total amount of the debt was {$10000.00} and set up a payment plan of {$300.00} weekly to resolve the debt. I had paid approximately {$6700.00} towards the debt when I learned that the judgement made through the court was capped at {$8000.00} due to local law and that the amount I was ordered to pay was {$8000.00}. I immediately contacted Hunter Warfield offered to pay the full remainder of {$8000.00} ( {$1300.00} ) immediately provided a copy of the final judgement, signed by a judge. I provided this document on XX/XX/2023. I was informed a review would begin on my account which was required to be decided no later than XX/XX/2023. I contacted Hunter Warfield several times during this period to check the status of the debt. When I contacted Hunter Warfield on XX/XX/2023 I was told that the debt would be removed from all credit reports and all collection attempts would cease no later than XXXX, XXXX. On XX/XX/2023 I acquired copies of all my credit reports and the debt was reported on each, with no acknowledgement of it's dispute status, reported with not only the higher incorrect total but with no evidence of any payments having been made. When I contacted Hunter Warfield regarding this on XX/XX/2023 they acknowledged the debt was outside the 30 day limit for dispute and asked if I was aware of any unlawful action they had taken. Hunter Warfield 's agent, XXXX XXXX # XXXX, repeatedly informed me that he was unable to and would not provide any written information regarding the debt, any payments that had been made or accept any payment to clear the debt. He informed me I was not entitled to any information regarding the debt and acknowledged the company was not legally reporting the debt. He refused to provide any further information. He stated that the debt was " not his '' and that he refused to provide information based on his lack of compensation for any money collected. When I contacted Hunter Warfield a second time another agent suggested that Hunter Warfield was willing to accept the larger, incorrect balance they reported to " clear '' the debt but that Hunter Warfield would not remove the debt, mark it as disputed, report any payments unless I paid the {$10000.00} they had incorrectly reported in full.
Consumer complaint received 2023-03-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (NY)

A person on XXXX that I follow retweeted a person. I reached out to that person and the said they were part of insurance company and had unclaimed funds for me. They sent a check and some was cleared to use that day and they asked me to send a XXXX percent of the check to them and keep I can keep the rest. The next day I sent the rest only keeping about XXXX percent of the check. The full amount of the check was XXXX. After a couple of days chase locked my account. I went to chase bank and After I talked to them on the phone and saw them in person they said I had to pay the amount that's overdraft. I tried to open a new account with XXXX XXXX XXXXXXXX and was declined. I don't have the money to pay the amount to chase even after showing them the proof that I was tricked and scammed into this situation but they wanted to hear no part of it and said I have to pay the full amount back.
Consumer complaint received 2023-06-14
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (PA)

There was a settlement for over XXXX made for XXXX XXXX. I had ask them I would like for this to be removed once resolved. They took the money and have not Removed this account from off my credit reports. I have reached out to.both XXXX XXXX and Experian in which neither has done anything. Nor provided me with written proof that once paid they would not remove this account off my credit report. That's all I asked and or wanted them to do once payment was received. Payment was received I. XXXXXXXX XXXX XXXX yet they have not done their part by removing this item. Please help me. Thank you.
Consumer complaint received 2023-07-12
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. (TN)

This is my 1st 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 items : XXXXXXXX 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 2023-03-03
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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (NC)

On the date of XX/XX/2023 i decided to send a Dispute directly to WELLS FARGO about a suspicious and deceptive account being furnished on my consumer report because after a many unsuccessful attempts to gain clarity from the consumer reporting agencies i only get updated credit reports stating the information was verified. the Requests i sent to WELLS FARGO asking to Validate the account Pursuant to 15 USC 1692g or Cease and desist Pursuant to 15 USC 1692c cease communicating a debt, or send me something in writing and stop its unfair reporting. The Letter 's i sent were mailed certified and received on XXXX XXXX, 2023 Tracking # XXXX i have waited for a response and by law i should have received a response within 30 days pursuant to 15 USC 1681i and1681s-2, WELLS FARGO is in violation of 15 USC 1692g failing to validate or respond to a request for validation, 15 USC 1692e ( 8 ) false or misleading representations communicating credit information which should be known to be false including failing to communicate a disputed debt is being disputed, 15 USC 1692c continuing to communicate indirectly after cease and desist, 15 USC 1692d harrassment and abuse for engaging in conduct which the natural consequence is to harass, abuse, oppress,, 15 USC 1681s-2, Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is Disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is Disputed by the consumer. Wells Fargo did not notify the consumer reporting agencies about my Dispute nor did they acknowledge my Dispute,
Consumer complaint received 2021-05-13
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)

I received a copy of credit report XX/XX/2021 from Transunion I have seen 2 phone number, one of them is not mine. Unknown phone number that I find in my credit report file is XXXX. I didnt give permission to someone else to get information or to do something else in my file under my name. Since couples months I have seen that someone is using my sensitive information to get my background check or to check my credit score. 
Also, from app creditwise I got dark web alert that means someone used my sensitive information to check my credit scores and more. Please after your information may I know your decision about who is owner of XXXX. 
Thank you in advance!
Consumer complaint received 2023-06-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: BARCLAYS BANK DELAWARE (DE)

Wyndham XXXX is a money hungry company that does not care about their customers. I have tried to cancel my contract, contacted a lawyer, and stopped my payments for this company because I can not afford to pay them. I have not used their services in 4+ years. They refuse to let me cancel my contract, and instead they continue to have the loan open which is negatively affecting my credit score. They will not push the loan to collections and they will not allow me to cancel the contract without me paying them {$10000.00}, on top of the {$25000.00} I already paid them. The loan amount is getting bigger and continues to gain interest and late payments.
Consumer complaint received 2023-07-03
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (PA)

I received an American Express pre-paid online gift card in the amount of XXXX. I tried to use the card at a number of online merchants, XXXX, XXXX XXXX, XXXX, XXXX. The card was declined at every merchant where I tried to use it. The card was activated and there were sufficient funds. 
I called American Express on XX/XX/23 and XX/XX/23 to request assistance. They indicated that the card was being declined because the merchant was marked as fradulent in the American Express system. Every merchant where I tried to use that card was declined. They indicated that I should just keep trying to use it until I found a merchant where it was accepted. They could not provide the name of a merchant or a list of merchants that would accept the card. The merchants were not declining the card, it was american express declining the transactions because they felt the merchants were fradulent. 
I tried a second time to get help from Amex and was transferred to a " supervisor '' who after an hour had still not picked up their phone. The card is unusable. Amex has the XXXX and will not provide assistance on how it can be used.
Consumer complaint received 2023-03-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

Citizens Bank performed an unauthorized balance transfer on two of my XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/2022. The credit cards were XXXX and XXXX. XXXX transfer was for {$9000.00} and the other was for {$16000.00}. 

I am not a customer of Citizens Bank and did not authorize these balance transfers. Citizens Bank was not able to provide any information about these transactions as I am not a customer and have no accounts there. 

I disputed the transaction with XXXX XXXX XXXXXXXX, but they claimed that I must have authorized the transaction. I do not understand how I could authorize a transfer to Citizens Bank when I am not a customer or card holder at Citizens Bank.
Consumer complaint received 2023-02-15
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: SANTANDER HOLDINGS USA, INC. (IL)

SANTANDER CONSUMER USA ( XXXX  ) XX/XX/2022 I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX ( XXXX ) XX/XX/2022 I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XXXX XXXX XXXX ( XXXX  ) XX/XX/2022 I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XXXX  ( XXXX  ) XX/XX/2022 XXXX  XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX  XXXX  XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this.
Consumer complaint received 2022-10-31
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

It's a Capital One XXXX XXXX I was making a payment for {$300.00} on their app XX/XX/2023, and I changed my mind about the amount so I cancelled it, the app acknowledged the cancellation, so I thought I was fine. Then I went back on and made the minimum payment instead minutes later. My bank can confirm this. Later I went onto my bank account and noticed it had gone through for the {$300.00} payment in addition to the other payment. I called Capital One immediately, they said they had no record of the cancelled transaction. I asked them why I would make a {$300.00} payment and then a minimum payment? They had no answer. They then said in order to refund my money they'd have to send a check but it would take weeks. I do not believe this is a glitch in the app. I believe it's intentional. I believe it's a way to keep the extra money because people can easily make typos on an app. In this instance, that's not the case. There was no typo, I cancelled it. I should have taken a screen shot of the cancellation message. On the app it's called " XXXX '' and I believe this is a way to scam people out of unintended payments because they'll just not escalate the situation to wait weeks for a check to come. My bank is going to refund the money for an unauthorized transaction, but I felt this should be reported as it's definitely a scam by Capital One. This app, I believe was set up to not cancel a transaction as it says it will. It asks to confirm or cancel or something to that effect and I clearly hit the cancel button, it said it was cancelling the payment, but did not. It wouldn't surprise me at all if this has happened to many others the same way. I've included a screenshot of the two transactions without revealing bank information, and redacted my name and numbers of certain information.
Consumer complaint received 2017-05-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (AL)

I noticed a debt listed as a hospital bill for {$360.00} on my credit report. I contacted the company listed as owning the debt, to dispute it, as I knew the debt did not belong to me. The company listed as debt owner was  Mitchell D. Bluhm & Associates  -  XXXX   XXXX . The date of the account being opened was  XXXX / XXXX /   2016. I kno w for a fact, that I did not receive the services being billed.  Mitchell D. Bluhm informed me that if I made a full payment, the debt would be cl osed and deleted from my report. Due to me not owing the debt to begin with I refused to make a payment.  Mitchell D. Bluhm & Associates  is violating the Fair Credit Reporting Act, by continuing to report a debt on my report, after being informed that the alleged debt is in dispute, I feel that the company is attempting to extort, money from me that I do not owe.
Consumer complaint received 2022-10-31
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

- XXXX XXXX, Acct # XXXX has violated my rights - XXXX XXXX, ACCt # XXXX, has violated my rights - XXXX XXXX, Acct # XXXX has violated my rights- XXXX XXXX, Unknown Account, Reporting balance of {$19000.00} - XXXX XXXX, Acct # XXXX 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.