davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-10
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)

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. US DEPT ED XXXX {$8800.00} US DEPT ED XXXX {$4100.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX {$530.00} XXXX XXXX XXXX    XXXX {$18000.00} XXXX XXXX XXXX {$220.00} XXXX XXXX {$280.00} XXXX/XXXX XXXX {$2000.00} XXXX XXXX {$510.00} XXXX/XXXX   XXXX {$700.00} XXXX-XXXX  XXXX {$490.00} XXXX XXXX {$740.00} XXXX XXXX {$3500.00} XXXX XXXX XXXX {$3100.00}
Consumer complaint received 2020-08-10
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc. (NH)

My Thank You Visa gift card expired XX/XX/2019 before I used any of the $ XXXX balance. 
I'm unable to reach an actual person at Myprepaidcenter.com & I'm being charged a monthly fee of {$3.00} leaving me with a balance of {$68.00} & no way to use the card.
Consumer complaint received 2020-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

In XXXX, we purchased a townhome in XXXX, VA for {$500000.00}, with {$99000.00} down payment. We had financed {$400000.00} at XXXX year ARM of interest-only loan at 5.00  % interest per year. 

In XXXX this loan was modified under Obama administration to Step-Modification. 

XX/XX/XXXX - the Loan was refinanced @ 4:00 % for 1 year XX/XX/XXXX - &@ 4.980 % for rest of 29 years, till Maturity date of XX/XX/XXXX. 
Making it a Conventional 30 years mortgage at 4.980 %. 

Loan modification documents say that the interest + principle to be paid for amount of {$1600.00} per month. 

we have been making payments without missing a single payment for the life of this loan. 

The Issue We believe that the mortgage companies have NOT applied proper distribution of interest & principal over the life of the loan. 

In XX/XX/XXXX, the mortgage distribution had applied {$22.00} and {$1300.00} and the balance of the mortgage left on the home was XXXX After 10 Years of paying Principal in XX/XX/XXXX, the mortgage distribution had applied {$77.00} towards the principal and {$1500.00} for interest and the balance of the mortgage left on the home was XXXX If this is a 30 year conventional fixed loan 4.980 % & all the documents that i have say it is, my principal should have reduced significantly more in past 10 years than just {$11000.00}. 

The question to mortgage company is why isn't my principal payment applied correctly. 

When i call the company they say : Trust us, in few years you should see more towards principal but they are NOT willing to provide " Truth in Lending '' statement for modified loan, or any Amortization schedule for any future payments. 

I have already paid approx. {$190000.00} in interest over past 10 years. Even after paying 10 years, we have no equity built in our home. It seems that that interest portion of the mortgage is withheld at a lot higher percentage than it should be.
Consumer complaint received 2020-06-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams, Rush & Associates, LLC (NC)

On XX/XX/2020 @ XXXX est. I spoke with a representative form William rush about an inflated debt. I asked this debt collector to produce all documents of payment history, fees and how their company is saying that I owed the XXXX. I informed the representative that I was by law entitled to all documents. I also informed the representative that I have proof that I didnt owe as much as William rush is claiming I owe.The representative stated that she would email me all documents that I was asking for. I never received any documents.
Consumer complaint received 2022-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX  and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX is complaint. The stuff on my credit report is wrong 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 2022-10-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC (WI)

I paid this account in full ( {$240.00} ) with the hospital long before it was sent to collections. When I spoke with the hospital it was not supposed to go to collections. The hospital claims they have contacted the collections agency on XX/XX/2020 but nothing has changed.
Consumer complaint received 2020-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WAKEFIELD & ASSOCIATES, INC. (CA)

the 2 credit issues are two hospital bills that the hospital it self was too lazy to contact XXXX XXXX  they always sent me all the bills never them, thats who should be contacted not me and it needs to be taken off my credit report.more than 3 years and no one has done anything to fix the problem.
Consumer complaint received 2020-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (VA)

In response to complaint XXXX : US Bank agreed to waive all late fees that had been applied to my account. I was assured this would be corrected by Thursday, XXXX. I logged into the payment portal tonight and I see they have applied another late fee, I can only imagine in retaliation to my complaint.
Consumer complaint received 2020-08-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

As I was getting ready to refinance the loan with another lender, I made a huge payment to get the balance of the existing loan reduced. They did not give me credit for the payment in a timely manner. They continued to charged interest for the higher balance. 

I have an attached spreadsheet that calculates the interest base on how they applied the funds on one tab. The other tab has the interest calculation based on the correct applied date, which is the date that I made the payment. 

Please see the attached documents for more information regarding calculation of interest, correspondence to and from the company. 

They sent the same answer to me and then to an attorney.
Consumer complaint received 2020-06-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (PA)

I check my credit every week and noticed that my credit score dropped. I see that this debt collection company on my credit. Prior to this showing up on my credit, I did not receive a call and notification from this company. I also fault the credit reporting agencies for allowing these debt collection agencies to pop on consumers ' credit without verifying if they attempted to contact the consumer.
Consumer complaint received 2020-08-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (IA)

My question concerns my mortgage note including the history of the note originating in XXXX. 

The first lender was XXXX for {$35000.00}, 20 years, fixed, at I believe less than 5 %. 

The second Lender was XXXX. During this time I suffered involuntary XXXX  XXXX  and XXXX. I attended two XXXX  schools. I had to file bankruptcy. I contacted XXXX and received, signed, and sent to the bankruptcy attorney a XXXX Agreement. It was by accident several years later I discovered the Agreement was not included in the bankruptcy filing. I contacted XXXX and the attorney ; both blamed the other for the error. The bankruptcy court said I could file papers and pay a substantial fee to have the Agreement added to the filing but advised such attempts are never successful. 

Also during this time with XXXX, due to XXXX XXXX, XXXX, and XXXX  school, I contacted them asking for help. I was told to stop making monthly payments and did so. I went into arrears on two occasions and then was told I did not qualify for programs. I paid the arrears, each several XXXX dollars, and reinstated the note. On a separate occasion, I was given a Modification. The Modification, without having the exact details, added years, percentage points, and increased monthly payments. 

The mortgage then went to Di-Tech and is now with XXXX XXXX XXXX ( XXXX ). 

Currently, I pay {$500.00} monthly at 6.25 % on a {$37000.00} principal and I believe the note is 30 years. I can not find that number from XXXX. 

The note is 18+ years old. I do not know or understand the status of the mortgage and my ownership of the home. The Reaffirmation Agreement must be void. XXXX  considers the note under bankruptcy considerations and treats it and me so. I could not access my account online until recently, after nearly 18 months. I have asked for all paperwork on the account to no avail. 

Thank you, XXXX XXXX
Consumer complaint received 2022-10-29
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: SUNRISE CREDIT SERVICES, INC (NY)

Today, in checking a credit card balance, I discovered fraud on my credit reports. I found that there was an unpaid balance of {$1500.00} with Sunrise Credit Services, XXXX XXXX XXXX, XXXX NY XXXX. Phone : XXXX. This account was sent to collections and is showing a negative reflection with all 3 credit reporting agencies. My credit score, which is always in the 800 's, is now around 710 due to this. I immediately contacted Sunrise Credit to inform them I had no knowledge of this transaction and did not make it. They took all of my information and indicated the account was closed sometime this year. They advised me that the account was initially opened sometime in the fall of XX/XX/2021, with XXXX XXXX XXXX XXXX. The date of first delinquency was XX/XX/2021. An unknown person used my social security number and name to open this account. The address used by this person ( s ) was XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX NY XXXX. I have no knowledge of this address or anyone living there. Sunrise Credit is mailing me a packet to complete to pursue this. I am in the process of filing a police report as well. I have also filed disputes with all 3 credit reporting agencies as well. I want this transaction removed from my credit reports to reflect my true outstanding credit. I have absolutely no knowledge of this transaction and am asking for assistance rectifying it.
Consumer complaint received 2020-08-10
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. (CA)

I took out a loan with my ex husband in XXXX. We divorced in XXXX. In our divorce decree, my ex husband was awarded the car. 

Once he took possession of the car, not only did he lie about being XXXX XXXX, he hid the car when XXXX XXXX tried to repossess it. He then agreed to settle for less than what is owed on the vehicle. 

This is causing my credit to keep me from obtaining a new vehicle. 

XXXX XXXX says I am still responsible for this vehicle. If I am responsible then why was I not notified about the settle for less agreement? If I am responsible for this vehicle, why does my divorce decree say different. 

I have tried multiple times to get this removed from my reports and XXXX XXXX refuses.
Consumer complaint received 2020-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

Sold a primary residence on XX/XX/XXXX. Net proceeds of {$120000.00} were deposited into a Wells Fargo checking account. The funds showed as being in the account on XX/XX/XXXX but were not showing up on the account XX/XX/XXXX. The bank said it was on hold to verify the funds were actually available. Approximately {$5000.00} will be available on XX/XX/XXXX and the balance on XX/XX/XXXX. In this age of electronic communication why does it take a week to verify?
Consumer complaint received 2020-08-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (NY)

XXXX 2020 I was going through financial difficulties and was unable to make the payments on time. However today I am in a better financial situation and have been paying my bills on time and even paid off the balances for all my credit cards. I have asked several times by Calling and sending letters of goodwill. They will not help me during this time although my cards are in good standing as of today and I have been paying on time.
Consumer complaint received 2020-06-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Braviant Holdings, LLC (MS)

I borrowed XXXX dollars from the lender I was making my installment payments when I did fall behind on then I was laid off due to the Covid 19. They sent me an email on XX/XX/XXXX stating that they were offering 50 % off so I contacted them and I was informed that the offer was only good until XX/XX/XXXX which I didn't see that on the e mail. I did inform them that I was unemployment and I was only receiving unemployment. He offered me {$1200.00} to be paid within 60 days. I looked at the rate they were charging me which is 279.99 %.. Which I will attach a screenshot of my payment history
Consumer complaint received 2020-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge 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: AMERICAN EXPRESS COMPANY (FL)

American Express is refusing to remove an unauthorized transaction on my account. I am being charged {$930.00} for merchandise I did not authorize. The merchant made an error during an order process and took money from me for something I did not want. 
I contacted American Express and the still have not resolved the matter. They are forcing me to pay. The merchant sent me the merchandise and is not reachable to schedule a pickup. Merchandise is very large and has been taking up a lot of space in my living room inside the original box I never opened.
Consumer complaint received 2020-08-10
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 have been having troubles trying to get TransUnion to investigate sevearl things listed on my credit file. I submitted several complaints via mail and recently online. They finally responded to the online dispute but yet there is an account that they indicated they investigated but the results are not complete. There is an aged account that should not be reporting on my credit file with XXXX XXXX and they so no data for the time in question. they show no type of payment history for XX/XX/13, XX/XX/13 & XX/XX/13 all of which were 30 days delinquent therefore addressing the statute of limitations. Their report says no data ... If the lender can not provide that data or TransUnion is unable to report those months in question then this should not be reporting on my credit file. As per the FCRA they need to show accurate information and no data for those 3 months which would show the account is past the statute of limitations is clearly a violation of the FCRA. 

On page one of the attachment it clearly shows under the rating Key X is unknown. Then on page 2 is the start of the XXXX XXXX account and the final page shows X ( Unknown ) for XXXX, XXXX, and XXXX of 2013!
Consumer complaint received 2020-08-10
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: BARCLAYS BANK DELAWARE (MI)

A fraudulent credit card was opened in my name and shows on my credit report. I have tried contacting the credit card company : Barrclays and was on the phone for over 1.5 hours and never was able to get through to talk to anyone as their lines were busy. I have made several reports and still no help. 
Barclays XXXX XXXX XXXX DE XXXX Ph : XXXX THIS IS NOT MY ACCOUNT and is stolen identity or fraudulent : I can not spend countless hours trying to reach them as they do not answer a phone and their web page is impossible to navigate.
Consumer complaint received 2020-08-10
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. (NY)

Originally disputed this fraudulent account back earlier around XXXX and was able to remove it from my credit report. I then now fast forward to XXXX on XX/XX/XXXX received a call from this debt collector around XXXX XXXX   to my personal cell claiming to have an account which I owed debt to. I argued and insisted that the debt wasn't mine and wasn't legal or binding as it was a result of identity fraud which I had already spoken with the original creditor XXXX XXXX XXXX to remove and close the fraudulent account that was opened without my permission and authorization as I was legally not able to enter any binding contract and lenders like the bank and debt collectors couldn't collect unpaid debt for this credit card as the account opened at the time was a result of identity theft and the fact I was under the legal age of 18. The account was opened 5 years ago prior to when I could of entered into a binding contract with lenders which was this account was illegal and fraudulent account being opened as I had no method of paying back any debt as I had no independent ability to pay any payments for any form of debt. Under the Credit Card Act this law states 226.51 ( b ) ( 1 ), credit card issuers can not open a credit card account for consumers under age 21 unless the applicant submits a written application as well as having financial information that the applicant must have the independent ability to make minimum payments for the credit extended. Both of which I never had first given any written signed application to the lender and second being able to financially pay for this debt. XXXX XXXX XXXX  has since then removed the fraudulent account from my report but however I got this call with a lady speaking on the phone claiming this is a valid account ( which I also have a recording of the call ), trying to convince me that this is a valid debt as if I didn't know any better and provided information such as my DOB being incorrect and stated herself the account was opened in XXXX and threaten to damage my credit which I had just started building upon recently. I've reached out to the collection agency regarding this account as it shows it's from XXXX back when I was merely XX/XX/XXXX and unable to have opened any line of credit under my name yet they refuse to acknowledge this and continue pressuring me through letters and automated phone calls. I provided proof of my ID as well as filed and attached the FTC Identity theft report to provide valid proof and information that this account was opened under fraudulent methods and the repeated calls and letters being sent that they are doing are illegal yet no action from them has been taken to stop this. I'm already thinking of filing a police report if that to help me but at this point this is hurting me for something that I have no idea on what money they're trying to viciously collect from me. At this point I'm considering reaching out to a lawyer to the state attorney general.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX