davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-30
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)

In accordance with the Fair Credit Reporting act XXXX Account # 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. 


XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts Account Name : XXXX XXXX XXXX Account Number:XXXXPlease investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX XXXX Account Number:XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Account Name : XXXX Account Number:XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX Account Number:XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter.
Consumer complaint received 2019-11-25
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: SYNCHRONY FINANCIAL (PA)

FRAUDULENT INQUIRIES DELETE IMMEDIATELY 1. XXXX XX/XX/XXXX XXXX XXXX WA , XXXX   2. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX CA , XXXX  3. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX PA , XXXX  4. SYNCB  XX/XX/XXXX Syncb XXXX FL , XXXX  5.XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX  6.XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX PA, XXXX
Consumer complaint received 2022-06-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: DRAPER AND KRAMER MORTGAGE CORP AND ECLIPSE MORTGAGE LLC (MD)

I was attempting to buy a home. I paid for inspection on the home I was attempting to buy along with the appraisal. The lender has refused to return my calls. The number on the company website does not work. The loan officer I was using no longer responds to my calls or my text messages. I have switched lenders now since there is no way to get ahold of the lending company. I need the appraisal to the house that I already paid for to move forward with my current lender. They never sent me the appraisal and now refuse to speak with me I have reached out numerous times. I have attempted to call and text as well as email and no one will respond to me. I dont know what else to do to get the appraisal. Please help.
Consumer complaint received 2020-12-18
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 (NJ)

Company is not appropriately reviewing the documentation submitted regarding a disputed item, and is refusing to issue a provisional credit, despite the clear preponderance of the evidence. Company has an agreement with the merchant, which is the key reason for this behavior, and is resulting in an appearance of bias on the part the Company vis-a-vis the merchant. It may also be a violation of the Fair Credit Billing Act. Please see attached letter for more detailed explanation and documentation.
Consumer complaint received 2019-03-27
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

XXXX XXXX XXXX paid both halves of my property taxes together, rather then in halves when the money was available. In XX/XX/XXXX {$2600.00} was due for my property tax, and {$3300.00} was in my escrow acct. XXXX sent a check for {$5300.00} which paid both halves the XXXX amount and the XX/XX/XXXX half. The resulting - {$1900.00} balance in my escrow didn't stop this Escrow Department from issuing another check 13 days later for the correct amount then due {$2600.00} increasing my negative balance to - {$4100.00}. The County cashed the full payment for {$5300.00} and sent the 2nd check back. XXXX Suspended my XX/XX/XXXX payment without cause or explanation. Then applied my XXXX payment to XXXX, declared me in Default late 30 days, and began sending certified letters and billing for inspections never conducted. I spent hours on the phone with XXXX or Consumer Advocate in XXXX, and he agreed we had not missed a payment, and should not be getting default notices. The account was transferred to SPS and for reasons I can't understand, they don't see the XXXX suspended funds as having an impact. The first 2 copies of my Account History of my XXXX Account were furnished to me through SPS and were obviously doctored. They read from the bottom of the page up, and have cut + paste shadows.
Consumer complaint received 2018-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Investment Retrievers, Inc. (FL)

On Monday XX/XX/XXXX, I contacted Investment Retrievers Inc. to let them know that the debt which is showing 'open and past due ' was included in my XX/XX/XXXX ch.XXXX discharged bk. I spoke with a cs rep. who was not able to assist me. I was forwarded to a supervisor who never answered the phone. On XX/XX/XXXX I left a vm explaining what my issue was. My call was never returned. I called the following day and left another vm. The call was never returned. This discharged debt is being reported by all 3 credit bureaus as open and late.
Consumer complaint received 2017-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (IN)

I contacted Citibank via their online chat function in mid XX/XX/XXXX 2017 to request instructions to send funds to my checking account via wire transfer. The online representative gave me details, including the bank details for the transfer. I gave these instructions to the company that was wiring me funds - over {$21000.00}. When the wire was sent on XX/XX/XXXX, it was credited to my credit card with Citibank, not my checking account. I used the instructions Citibank gave me which they said were for checking but it turns out they were for credit card. I have attached a copy of the credit card statement showing the wire payment. I contacted Citibank several times to try and resolve the error with no progress. I escalated the situation and agreed with a supervisor at Citibank on a recorded line that {$15000.00} of the {$21000.00} that was sent would be returned to my Citi checking account right away. The remainder would remain to pay down part of the credit card balance. I provided the supervisor with the Citi checking account number and phone number to reach me right away if there were any further issues. This credit did not appear so I contacted Citibank again. I was told on 2 different occasions that the transfer had been processed on XX/XX/XXXX and I would see the credit in 8-10 business days. No one called me despite having been told they would call if there were issues. On the XX/XX/XXXX when no funds had been deposited, I contacted Citibank again. I was told this was being reviewed and they could offer no further assistance. The funds were deposited into the credit card account because Citibank 's representative gave me the wrong information in the first place. I need the agreed upon $ XXXX deposited back into my checking account as agreed with Citibank at the beginning of XX/XX/XXXX. It is totally unacceptable that they have misappropriated my money and refused to rectify the situation. I will cancel my credit card relationship with Citi as a result but I need the banking transaction corrected first.
Consumer complaint received 2019-04-24
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. (GA)

I have contacted both XXXX, and Equifax by phone, and by mail, and even fax regarding multiple fraudulent accounts that appear on my credit file. I have disputed these accounts as fraud and opened as a result of identity theft, I have also uploaded, faxed and mailed certified a copy of my very recent credit report to both XXXX and Equifax and both credit bureaus have ignored my fraud disputes, and both companies have neglected to utilize my recent credit report to block these fraudulent accounts from my credit file. I have exhausted all avenues available to me and followed the FDCPA guidelines to rectify these fraudulent accounts but I have continued to be ignored by both credit bureaus. 

The following accounts are not mine and are on my credit file as a result of identity theft/fraud that I reported to the local police department : XXXX XXXX XXXX XXXX   XXXX ( Fraud ) XXXX XXXX XXXX XXXX ( Fraud ) XXXX XXXX XXXX XXXX XXXX ( Fraud ) XXXX XXXX XXXX ( Collection ) ( XXXX XXXX ) ( Fraud ) These are not my accounts and I have also communicated this same information and provided my police report to these businesses listed above, and they have refused to assist in the correction of the fraudulent information the same as XXXX  and Equifax have. 


They are all acting in a willful and malicious manner and continue to defame my character by knowingly reporting information they have been fully informed was fraud.
Consumer complaint received 2023-02-21
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. (MO)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$480.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX : {$610.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-12-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against PROCOLLECT. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2019-11-25
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

Experian contacted " XXXX XXXXt '' ( company name ) for a XXXX XXXX  cable bill and they don't own the bill anymore. XXXX  is the one that has the debt. I have paid the debt with XXXX ( attached ) but Experian during the dispute dropped my credit rating 17  points ( is that personal? ) but more importantly " XXXX XXXX '' no longer owns the debt. and XXXX is not reporting this to my credit. Lastly the dispute has been settled. but Experian has the request locked so I cant even add the new information or contact them by phone. it says both settled in in dispute for a week now, see attached. PS all 3 reporting XXXX, XXXX XXXX and Experian all falsely have " XXXX XXXX '' as the owner of this debt. so I cant see to get through to any of them on this. and XXXX XXXX  wont help as they don't own it anymore : (
Consumer complaint received 2019-03-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Scheer, Green & Burke L.P.A. (LA)

I recieved a letter in the mail today from Scherr, Green , & Burke , Co. L.P.A. stating that unless you notify this office within 30 days after receiving this notice that the dispute of this debt or any portion of this debt thereof, this office will assume this debt is valid. All they provided me with is a name of a medical company that I never heard of a file number unknown of and amount due that is unknown of. That they would provide me with a judgement against me. They stated that if I requested with that office within 30 days after the notice they would provide me with a notice of the name and address of the original creditor if different from the current creditor. 

I tried to call got a your waiting next in line to be transfered to a recording to leave a message for someone to contact me.
Consumer complaint received 2017-07-28
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (PA)

When I enrolled in university XXXX XXXX I was told complete WRONG information and was lied to. One I was not explained properly about the grant and loan process. I thought they were grants that I would n't be paying back. When I talked to an advisor about enrolling I did n't know what I was doing so I was trusting the information they were providing. I had told them my goal was to become an XXXX, they told me I could start my degree online with them then later transfer to any school. So I started this process. School was easy and not a challenge they gave you most of the answers. I did this for about a year. I then reached out to XXXX XXXX XXXX XXXX PA asking if i could transfer my credits to start the process of doing the schooling with them for the XXXX program. They had told me that NONE of my credits would transfer and I would be starting all over. So I then reached out to XXXX XXXX College and even did the preadmission testing. Once my testing was completed I sat in an office with a women who looked over my transcript and completed credits with university XXXX  XXXX and stated NOTHING would transfer and I would have to start over. The whole reason I started with university of phoenix was to get my general schooling done and transfer over to a local school. WHICH THEY TOLD ME BY EMAIL and I still have it, and by phone that I could do this.. WHICH was a LIE. Due to the frustration of all of this I dropped out of school. I didnt know anything about credit, I was a single mom all those years just trying to better my self and they scammed me just as they did others. This aparently happened alot in XX/XX/XXXX-XX/XX/XXXX the years I was attending school with them. They had me applying for loans that I did n't realize was actual loans with the government. THey should be paying these loans and I will be processing a borrowers defense, as I just learned about this. This is effecting my credit because of them scamming me. I am now more educated about my credit and want things done right. experian has removed these loans off my credit but they are still on my XXXX and XXXX have multiple of the same loans on my credit report. I have copied and pasted some of the emails.. I received alot from them.
Consumer complaint received 2022-05-30
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. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # 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. 


XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts Account Name : XXXX XXXX XXXX Account Number:XXXXPlease investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX XXXX Account Number:XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX Account Number:XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX Account Number:XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.

I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter.
Consumer complaint received 2022-12-18
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: WELLS FARGO & COMPANY (OH)

XX/XX/XXXX XXXX paid {$4700.00} to my Wells Fargo account that made a credit balance of {$390.00} In XXXX I called and requested the credit balance be refunded to my account, not to the last account that made the payment. I was very specific. 
When I had not received the payment I checked online and saw I now had a balance of {$390.00} I called and was advised that Wells Fargo sent XXXX payments of {$390.00} to XXXX I contacted XXXX XXXX who monitored the account for several weeks and advised they did not see any payment from Wells Fargo XXXX 
I contacted Wells Fargo again, who advised they would sent a check to me for the {$390.00} which they did. 
After several weeks I checked my balance, not only was there still a balance of {$390.00}, there was a late payment charge. 
I called and was advised they could see that the checks they sent were rejected and that this should be cleared up. 
Last week I received a letter in the mail advising I was behind in my payments. 
I filed a complaint through Wells Fargo. 
Last night I was advised I needed to make the payments. 
I was also advised Wells Fargo is not able to trace or cancel the checks they sent to XXXXXXXX XXXX and I needed a letter from XXXXXXXX XXXX stating they did not receive the funds. 
XXXX XXXX XXXX XXXX has now advised they need copies of the checks they did not receive. 
My credit is now in peril as Wells Fargo is showing I am over 2 payments behind on a bill I do not owe. 
I do not understand how 1 person from Wells Fargo can see the checks were rejected, the person handling my complaint can not. 
The person who is handling the complaint advised she listened to all of the recorded calls, she would have heard me being told the checks were rejected. 
This needs to be cleared up, and the account closed. 
This was Wells Fargo 's error, yet my credit is in jeopardy.