davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CountryPlace Acceptance Corporation (FL)

Country place mortgage has been reporting my mortgage payments as being 30, 60, 90, 120 days past due. This is incorrect, I have not missed a payment in years. Ive contacted Country Place Mortgage multiple times regarding this and have been told I would be given a call back to solve this issue and no return call has been received. I have then filed a dispute to the credit bureau XXXX XXXX and XXXX  and neither of them have fixed the issue.
Consumer complaint received 2024-04-15
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (CO)

On XX/XX/year> 3 withdrawal transaction in the amount of {$300.00} dollars per withdrawal I immediately searched address shown in account withdrawal transaction history an spoke with manager and manager stated a XXXX female did pull out XXXX an was upset she could not withdrawal the other {$200.00} left in account. I put hold on card never received a new one never received a dispute denial or any information on how to appeal dispute even after a police report was also filed and case number given is statement for netspends dispute section of the company and company unauthorized the approval of my dispute and denied me
Consumer complaint received 2020-04-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2020-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

USAA reduced my overall available credit significantly then subsequently closed my account. They denied a subsequent application for a similar account stating that I had recently applied for too many accounts. 

Review my application and reassess decision based on CREDITWORTHINESS!
Consumer complaint received 2020-06-14
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)

There is a financial account on my credit I know is a mistake. It is from a company called XXXX XXXX. After doing a search for it on online, it appears to be an insurance company. I have never heard of them before. This account is not mine and I would like it removed from my credit report.
Consumer complaint received 2020-06-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A. (PA)

I am trying to invest in a stock through the XXXX system/company. PNC Bank will not allow me to connect my account to give XXXX my information to invest in a stock/share of the company of my choosing.
Consumer complaint received 2020-04-14
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-02-05
Product: Debt collection — Rental debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Rent Recovery Solutions (AZ)

I had previously filed a complaint against Rent Recovery Solutions and stated they had provided no proof of debt and began sending harassing phone calls along with calling at all hours of the night and day attempting to collect a debt from XXXX XXXX XXXX. 

The date of my initial complaints were XX/XX/XXXX. 

I have valid proof no debt was owed to the creditor. 

Today, is XX/XX/XXXX and this company is continuing to harass me. I am receiving non-stop calls. I've done my research and via the Fair Debt Collection Practices Act they are not allowed to call me between XXXX and they have violated this as you'll see in my screen shots of missed calls from this company. 

Their most recent call to me was at XXXX. The number they are calling from is XXXX. In a six day span I have received 9 calls from this company which is also a violation of the Fair Debt Collection Practices Act. 

On XXXX XXXX XXXX  and along with my state 's attorney general I have filed complaints against Rent Recovery Solutions for Debt Collection Fraud. 

On my account from the original creditor XXXX XXXX, it shows I owe no debt, have XXXX balance and have no delinquencies which I will be attaching for your viewing.
Consumer complaint received 2024-03-28
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo transferred my mortgage to XXXX XXXX  XXXX and added {$2900.00} to my principal balance for fees they incurred in 2012 when they modified my loan. First, those assessed fees were rolled into my modified mortgage and they are trying to collect it twice by adding it to the transferred account and, second, they continue to insist that the loan was modified to a XXXX loan which is untrue. 

I have no issue with XXXX XXXX  XXXX, only with the fraudulent practices of Wells Fargo.
Consumer complaint received 2023-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

In accordance with the federal credit reporting act this creditor has violated my rights. Under 15 U.S.C 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 166b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2020-04-14
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-06-26
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: EQUIFAX, INC. (TX)

Im very concerned about the items listed below that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! This has caused me not to get approved into a home and not being hired I have been going back and forth with the bureaus for over XXXX months now! I ask that you delete these accounts immediately! These are violations of the FCRA and effecting my everyday life all XXXX accounts are inaccurate in several ways as they are reporting inaccurate dates and amounts for all XXXX credit reporting agencies!!! Delete accounts immediately as it states in the FCRA. XXXX XXXX and XXXX XXXX also reports several inaccuracies and need to be deleted immediately from all XXXX bureaus. I am completely exhausted of the back and forth and will seek litigation
Consumer complaint received 2020-06-14
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. (NY)

I contacted Experian on XX/XX/2020 to dispute XXXX XXXX XXXX XXXX  on my report, my claim was that Experian should remove XXXX XXXX XXXX account from my report since it's reported multiple lates on my report, and XXXX XXXX XXXX failed in the past to verify old statements from my account, my original claim was that XXXX XXXX XXXX gave me permission to pay 10 days after my original due date, but after payment they still reported me late, I contacted the original creditor serval times but they didn't fixed the issue, so I asked Experian to remove it but they did not removed it, and kept this account on my report without proper proof from XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CA)

I got a balance transfer from a card and received the cash in my Citi account. But the moment I got the cash, Citi put a block on the account and I can't move the money. So I am paying for the balance transfer and earning 0.01 % interest. Clever scam by Citi. 

I chatted with the citi bot, spent 2 hrs at the branch and been on the phone line for 45 mins. No one seems to be able to do anything and losing ~ {$500.00}
Consumer complaint received 2020-04-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (GA)

On XXXX Navient advised me via email that my interest only payment plan would end with my payment of {$82.00} on XXXX. Accordingly on XXXX, I called Navient to set up a renewal of the plan or a lower payment plan, given the economic realities resulting from the COVID-19 pandemic. However, Navient told me I needed to call after the XXXX of XXXX, because Navient could not do anything regarding my payments until the XXXX payment was completed. The following is the timeline of events : 1.  XXXX : Completed auto payment of {$82.00} from my account. 
2. XXXX : I called Navient and applied for what the representative told me would be an interest and principal payment of {$100.00} for 6 months. 
3. XXXX : Navient approves my application and emails a letter ; however, the letter states that the {$100.00} payment is for interest only and it contains the following info : Late Fee : {$0.00} - Repayment Fee : {$0.00} - Returned Item ( NSF ) Fee : {$0.00}. This conduct amounts to violations of the Truth in Lending Act, misleading information, and deceiving practices. 
4. XXXX : Navient sends me a statement showing that I have a past due amount of {$26.00} and a balance due of {$230.00}. This conduct amounts to violations of the Truth in Lending Act, surprise late fees, misleading information, and deceiving practices. 
5. XXXX : I called Navient to explain that it had made an obvious mistake as my auto payment of {$82.00} was indeed completed and as such I could not possibly have an amount due. To my surprise, I was automatically forwarded to collections! I talked to 1 representative and 2 managers to no avail. Navient 's response was limited to saying " You are in collections because you have an amount due and we will send a request to research the matter. '' I requested a number or some confirmation that in fact that would be done and asked when could I expect a response. Navient 's kept the past due amount posted in its system and had no explanation as to how that due amount reconciles with my next payment per the plan approved XXXX. Again, both managers refused to provide me with answers, stating simply that neither of them could do anything about my problem. This conduct amounts to violations of the Truth in Lending Act, surprise late fees, misleading information, and deceiving practices.
Consumer complaint received 2023-06-26
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. (TX)

Im very concerned about the items listed below that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! This has caused me not to get approved into a home and not being hired I have been going back and forth with the bureaus for over XXXX months now! I ask that you delete these accounts immediately! These are violations of the FCRA and effecting my everyday life all XXXX accounts are inaccurate in several ways as they are reporting inaccurate dates and amounts for all XXXX credit reporting agencies!!! Delete accounts immediately as it states in the FCRA. XXXX XXXX and XXXX XXXX also reports several inaccuracies and need to be deleted immediately from all XXXX bureaus. I am completely exhausted of the back and forth and will seek litigation
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (KY)

I have 2 federal student loans totaling a little more than 5000.00. My loans have been in deferment but they are reporting 10 late payments on each. Last year I refilled out the paperwork and sent it in and it was not processed. As soon as I noticed i immediately called and emailed and they fixed the problem but yet they are still reporting I paid it late. I did not. This was an error. It was just an accident and while I am not upset the accident happened, it is unfair to bring my credit score down by almost 100 points over payments that were not late. Im a single parent and XXXX XXXX XXXX. I am having a horrible time finding loans to get me through because of these reported late payments. I was not late ... I filled out the paperwork on time. It is not my fault it was not processed correctly. I am begging you to please take off these late payments. Everything else I have has always been paid on time but these reported late payments are ruing everything for me
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello and to whom it may concern. I was looking at my credit report and noticed 2 addresses not associated with me. 

address 1 ) XXXX XXXX XXXX XXXX XXXX fl XXXX 2 ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX I have only lived at 1 address in fl. To my understanding there is another XXXX XXXX in my area
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

This is not my account. Please provide the original instrument of indebtedness or remove. This account has all kinds of errors. How could you be late on account that is charge-off. There is no activity and last payments and history is inaccurate. In addition to that I do not recall this account, so please provide method of verification as well.
Consumer complaint received 2020-08-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BBVA FINANCIAL CORPORATION (TX)

For 6 months both XXXX XXXX XXXX and BBVA USA, have failed to verify reported debt to XXXX, in a breach to multiple articles from the FCRA, and the FDCPA. 

XXXX who claimed the ownership from the reported account, and reported the account separately, took off such account from the XXXX  Credit Report, but refused several times to do the same with the duplicate account. 

XXXX accuses BBVA in several communications to the CFPB and the XXXX, of being the controllers for the alleged account, even when clearly the report shows the claimed ownership by XXXX. 

This never verified debt, and this fraudulent tactics by XXXX have been damaging my cost of funding and my credit worthiness. 

By this conduct I demand BBVA and XXXX to remove that account from my XXXX  Credit Report, which should have been done 5 months ago, as per FCRA and FDCPA. 

In addition I request CFPB to issue the proper sanctions to both, and to order economic compensation to the consumer.
Consumer complaint received 2020-06-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION (NY)

While I was questioning the hold put on my account, M & T Bank, XXXX New York closed my account. They were, at my request researching a missing deposit in the amount of {$4700.00}. They just dropped anything they were doing and closed my account, the notice that they were closing said it would close on XX/XX/15 which would allow me time to receive my social security check which is deposited into the account, instead they closed it on XXXX. Lost to me is my social security check and a deposit of {$4700.00}. I can not afford an attorney to help me re-open this matter. They just said the account was closed, no explanation. Can you help me? 
Thank you, XXXX XXXX
Consumer complaint received 2023-05-27
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. (LA)

XXXX XXXX XXXX XXXX account XXXX opened XX/XX/2021 balance XXXX This accounts is not mines and is being falsely and fraudulently reported as opened with a XXXX balance no payment history I have never had an account with this company or signed a contract with this company I have called and disputed this information this account and a proper investigation was not done. This account is not on any of my other credit report such as XXXX and XXXX which is in violation of usc 1681 complete and accurate and consistent information Violation of 15 usc 1681i 6 ( b ) ( iii ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( 7 ) Description of reinvestigation procedure. -- A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ invalidated credit information. Please remove immediately.
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KY)

I have 2 federal student loans totaling a little more than 5000.00. My loans have been in deferment but they are reporting 10 late payments on each. Last year I refilled out the paperwork and sent it in and it was not processed. As soon as I noticed i immediately called and emailed and they fixed the problem but yet they are still reporting I paid it late. I did not. This was an error. It was just an accident and while I am not upset the accident happened, it is unfair to bring my credit score down by almost 100 points over payments that were not late. Im a single parent and XXXX XXXX XXXX. I am having a horrible time finding loans to get me through because of these reported late payments. I was not late ... I filled out the paperwork on time. It is not my fault it was not processed correctly. I am begging you to please take off these late payments. Everything else I have has always been paid on time but these reported late payments are ruing everything for me