davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My wife and I were trying to adopt a puppy, as most people are in these times of quarantine. We came in contact with a website, XXXX and it turned out to be a scam that we forked out {$500.00} on XX/XX/2020 through XXXX to find out. My wife and I had contacted Bank of America to see if funds can be reversed, canceled ( when it was pending ), or at least flag the receiving account as fraudulent or a scam. Nothing was done. After reporting to numerous websites such as website domains, FTC, XXXX, XXXX, and a slew of other websites to warn of the scam, we turned to here since getting out money back or having the transaction was too much for the bank.
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nicholas Financial Inc. (GA)

this is a charged off account for an automobile of mine that was repossessed a few years ago. I was trying to fix my credit so I had my credit report on my computer looking at it so I called the lender that I bought the vehicle from to inquire about the amount the vehicle was sold for at the auction and how much they claim that was charged off so while going over the file he the rep told me that he could mail a copy. then he proceeded to say that he seen an old complaint that I made to them about items that I did not receive out of the vehicle when it was repossessed. so I said no one never contacted me back so I just left it alone. so then he proceeded to get smart with me saying do you think we suppose to deliver them to you. so as to not engage in an argument with him I hung up. he kept calling back so I blocked his number. then 10 minutes later I received a notification to my email that someone just pulled my credit .I pulled up XXXX XXXX to see who it was and it was him the rep. I called him back and told him I just got notification that he pulled my credit and then put it in as a hard pull and stated auto loan. I was furious because I am trying to get my credit straight in order to buy a house in the next few months. he laughed and said yes he did and that I told him to do so I said I was reporting him he said so what and hung up I called you all and was told to file this form.
Consumer complaint received 2020-03-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FIDELITY CAPITAL HOLDINGS, INC (NC)

I received this debt collection of XXXX letter for a service I didn't received from XXXX XXXX XXXX company on my rental. I cancel my agreement with this company. When I look at her reviews XXXX XXXX reviews it says I owe them XXXX when I place my comments on there website to inform people of this unfairly business that's doing people wrong I will attach everything. I was soo upset that this debt collector has contacted me about a debt I dont owe, and threatened to ruin my credit. I have not received any notification from XXXX XXXX XXXX about what I owe. Just seen her response on the reviews in over a year ago. Now they and this debt collector tries to reuin my credit it's not fair. I call this debt collection they told me to call XXXX. I did but it did not get settled they are just so wrong for doing this especially without me knowing.
Consumer complaint received 2019-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synerprise Consulting Services, Inc. (UT)

I have a collection report on my credit for XXXX XXXX   in the amount of {$290.00} I do not remember this doctor but would have used my insurance to have labs done. Please send a copy of the labs I am being charged for so this can be cleared off my account
Consumer complaint received 2021-07-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (OH)

Paypal announced today that they are partnering up with the infamous known " XXXX '' organization that has been known to be XXXX XXXX in their ways of treating people who are known to stand against the criticism of XXXX - in a move that would ban people the use of the paypal system based on their political view.
Consumer complaint received 2020-04-01
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (HI)

I called my VA mortgage servicer to enter into the 180 day forbearance plan per the CARES Act Section 4022 and despite the law stating that all that is required is " borrowers attestation to a financial hardship caused by the COVID19 emergency '' they have requested I fill out several forms including a complex financial history form. The representative stated that Freedom Mortgage has their own process to apply for the forbearance and that I have to provide this financial information. I also submitted this request through the online secure messaging form with the servicer but have not received a reply at this time. 

I am attaching a screenshot of the secure message I sent several days ago as well as the financial form the servicer is requiring in order to process the forbearance request.
Consumer complaint received 2020-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, I have disputed with XXXX, TransUnion and XXXX erroneous item on my report. They have not corrected the problem. 

All three are erroneously reporting that my overall debt is {$9000.00}. That is inaccurate. I owe {$4000.00}. 
This grave mistake on reporting agencies makes it look as though my debt is higher than it is and reduces my rating enormously. This is a horrible unfair practice. 
I have been working diligently to get this resolved since XX/XX/2019 both with my personal banker and each reporting agencies without any resolution. 

Now the impact of Covid 19 is escalating the need for excellent customer service into a matter of dire emergency for me and my family.
Consumer complaint received 2020-04-01
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$0.00} XXXX XXXX {$1800.00} XXXX   XXXX XXXX {$650.00} XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$300.00} XXXX XXXX {$270.00} XXXX XXXX XXXX {$560.00} XXXX   XXXX {$1300.00} XXXX  XXXX {$410.00} XXXX XXXX XXXX {$860.00} XXXX XXXX XXXX XXXX XXXX {$60.00} XXXX XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$2400.00} XXXX  XXXX {$6300.00} XXXX   XXXX {$0.00} US DEP ED XXXX {$1300.00} XXXX XXXX   XXXX {$110.00} XXXX/XXXX  XXXX {$1400.00} XXXX  XXXX {$0.00} XXXX XXXX {$270.00}
Consumer complaint received 2020-04-01
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$0.00} XXXX  XXXX {$1800.00} XXXX   XXXX XXXX {$650.00} XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$300.00} XXXX  XXXX {$270.00} XXXX  XXXX  XXXX {$560.00} XXXX   XXXX {$1300.00} XXXX  XXXX {$410.00} XXXX  XXXX XXXX {$860.00} XXXX XXXX XXXX XXXX XXXX {$60.00} XXXX XXXX XXXX XXXX {$760.00} XXXX  XXXX  XXXX {$2400.00} XXXX  XXXX {$6300.00} XXXX   XXXX {$0.00} US DEP ED XXXX {$1300.00} XXXX XXXX   XXXX {$110.00} XXXX/XXXX  XXXX {$1400.00} XXXX  XXXX {$0.00} XXXX  XXXX {$270.00}
Consumer complaint received 2020-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These Inquiries I did not authorize. Please delete. 

Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  Auto Inquiry from XX/XX/XXXX Finance XXXX  Inquiry from XX/XX/XXXX Finance XXXX  XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX/XXXX  XXXX  Inquiry from XX/XX/XXXX Finance XXXX/XXXX-XXXX  Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Automotive XXXX/XXXX  Inquiry from XXXX XXXX, XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX  XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  XXXXXXXX XXXX  Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX Finance XXXX  XXXX Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX Finance XXXX  XXXX XXXX   Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX   XXXX Inquiry from XX/XX/XXXX This account is not mines, don't know how this was opened. 

XXXX XXXX XXXX Last reported XX/XX/XXXX {$960.00} This account balance is wrong. Both accounts have been paid on time and not late. 

XXXX XXXX XXXX Last reported XX/XX/XXXX {$210.00} XXXX  XXXX Last reported XX/XX/XXXX {$200.00} This account below is not mines. I never had this account. 

XXXX XXXX XXXX  XXXX XXXX Last reported XX/XX/XXXX {$1000.00}
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XX/XX/2020 : Sent letter disputing accounts under the FCRA section 609 ( a ) ( 1 ) ( A ) required to verify. They never verified and accounts  remained. 

XX/XX/2020 : Sent letter asking for Permissible Purpose of inquiries ( FCRA ) U.S. Code 15 Code 168.1b and under U.S 15 Code 168.1i paragragh 5. Still remain XX/XX/2020 : Sent letter informing them of address with proof. Still reports wrong address XX/XX/2020 : Sent letter asking to verify bankruptcy under section 1681 ( c ) and section 1618 ( a ) ( 5 ) of FCRA. They responded they will not re-investigate when they  are required by law to do so. Still no verification was sent.
Consumer complaint received 2022-12-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CCF Intermediate Holdings LLC (CA)

I was charged for a loan i did not authorize or have no knowledge of. I was charged in my bank account for the loan and iam in debt with the collection agency. A speedycash associate had my personal identity information and he stole my identity to take out a loan with my information he used used my debit card information for loan payment i never authorized speedy cash to take out a couple of loans with my identity or debit card. I have bank statements showing the loan number and how much was debited out of my bank account and transactions that were overdrawn from my account. Speedycash denies the multiple accounts that are were in my name and says only one is in collections. I paid money to the collection agency for them to remove the account but they still refuse to remove the negative fraudulent account from my credit and i did not open a new loan in XXXX or XX/XX/2022. I only opened a loan in XX/XX/2022 and XX/XX/2022. Which i paid off a total of {$6.00} plus {$170.00} and overdraft fees of {$140.00}
Consumer complaint received 2020-04-01
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MO)

approx 10-12 years ago applied for govt modified home loan accepted stat at 2 to 3 percent interest to maximum 4.5 percent.had no problems till when XXXX XXXX sold loan to shell point mtg servicing in XX/XX/XXXX never notified me till XX/XX/XXXX ot letter saying my mortgage went up from XXXX last 5 years maximum amount to XXXX letter also said i was delinquent on my insurance for condo, my insurance auto payed monthly not late at all XXXX XXXX, condo association insurance paid thru monthly dues so haven't been behind there either in XXXX after calling over month get recording will call back in order received never called back in XXXX got supervisor to call said everything reversed verified insurance and could verify every year/ XXXX im still getting statements saying i owe XXXX and tell me my loan will never go back down to XXXX on loan govt okayed, say i still have to pay XXXX or so to repay escrow that i didn't need already insured and furnished all documents o 40 percent  higher insurance they used my escrow on at 30 n i need to pay a this at time company XXXX was cut XXXX dollars a years covid problems, i did nothing wrong was all paid up long before shell point, because shell point didn't get insurance info from XXXX XXXX i have to be punished by paying for there mistake and there refusal to work with me or anyone to fix problem i worked for XXXX  over 40 years XXXX XXXX XXXX XXXX XXXX and cant solve problem in 3 months i cant go to Texas through away documents instead of keeping for file is same oner they had me resend and got hol., d but never reversed all charges like insurance and escrow to solve and even if i did admitted throw awaw condos first document keep saying even today i need to swend proof a, .lt technicion   trained over XXXX people, yes shell nbackoint
Consumer complaint received 2020-04-01
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. (CO)

XXXX opened an acct in my name. I had attempted to get XXXX. The equipment was never set up properly. The installer was supposed to come back and pick up their equipment and never did. I discovered the acct was still set up fraudulently with a signed contract THAT WAS NOT SIGNED BY ME!! I then was contacted by one collections agency and they returned it to XXXX because I disputed the acct for fraud. Now a SECOND collection agency has added the acct to collections violating Fair Debt Collections Act. I have written several letters of dispute to all credit bureaus and they refuse to remove the account from my credit.

****This account was FRAUD, IT WAS WRITTEN OFF, and now sent to multiple collection agencies. **** *It was not my name signed to the contract and i was not notified of the 2nd collection agency violating my consumer rights**** *****The creditor is not the original creditor. acct was written off and sold to not 1 but 2 collection agencies. **** ****This account is from almost a year and a half ago and have bypassed their allotted time frame to add this to my credit reports. ***** The original creditor received amounts back on tax returns for losses. they are attempting to triple debt since this is now a 2nd collection agency that has attempted to collect this debt!! IT IS AND HAS BEEN A FRAUD ACCOUNT!! XXXX states I am liable simply because there is my name signed on this alleged contract and refused to investigate after I offered them proof of my signature.
Consumer complaint received 2020-04-01
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. (CO)

XXXX opened an acct in my name. I had attempted to get XXXX. The equipment was never set up properly. The installer was supposed to come back and pick up their equipment and never did. I discovered the acct was still set up fraudulently with a signed contract THAT WAS NOT SIGNED BY ME!! I then was contacted by one collections agency and they returned it to XXXX because I disputed the acct for fraud. Now a SECOND collection agency has added the acct to collections violating Fair Debt Collections Act. I have written several letters of dispute to all credit bureaus and they refuse to remove the account from my credit.

****This account was FRAUD, IT WAS WRITTEN OFF, and now sent to multiple collection agencies. **** *It was not my name signed to the contract and i was not notified of the 2nd collection agency violating my consumer rights**** *****The creditor is not the original creditor. acct was written off and sold to not 1 but 2 collection agencies. **** ****This account is from almost a year and a half ago and have bypassed their allotted time frame to add this to my credit reports. ***** The original creditor received amounts back on tax returns for losses. they are attempting to triple debt since this is now a 2nd collection agency that has attempted to collect this debt!! IT IS AND HAS BEEN A FRAUD ACCOUNT!! XXXX states I am liable simply because there is my name signed on this alleged contract and refused to investigate after I offered them proof of my signature.
Consumer complaint received 2022-12-28
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. (CT)

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

Account name : XXXX XXXX XXXX, Account # XXXX. Account name : XXXX XXXX, Account # XXXX. Account name : XXXX - XXXX 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 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.
Consumer complaint received 2023-05-06
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: Experian Information Solutions Inc. (FL)

I did not authorize XXXX or the Collection Agency to put this collection back on my report. This issue was resolved almost a year ago and this collection company is back trying to hurt my credit for this collection that was never authorized! 

I believe the CFPB was the reason why it came off my report and I have no idea why it is back on! Please reach out to them and have them remove this immediately because this came out of no where! 

The collection in questions is from : XXXX XXXX XXXXXXXX Original creditor : XXXX Acct # : XXXX Please have them remove this once again. I do not want to deal with this issue anymore. The problem has already been resolved. I have no idea why they are harassing me.
Consumer complaint received 2020-04-01
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. (CO)

XXXX opened an acct in my name. I had attempted to get XXXX. The equipment was never set up properly. The installer was supposed to come back and pick up their equipment and never did. I discovered the acct was still set up fraudulently with a signed contract THAT WAS NOT SIGNED BY ME!! I then was contacted by one collections agency and they returned it to XXXX because I disputed the acct for fraud. Now a SECOND collection agency has added the acct to collections violating Fair Debt Collections Act. I have written several letters of dispute to all credit bureaus and they refuse to remove the account from my credit.

****This account was FRAUD, IT WAS WRITTEN OFF, and now sent to multiple collection agencies. **** *It was not my name signed to the contract and i was not notified of the 2nd collection agency violating my consumer rights**** *****The creditor is not the original creditor. acct was written off and sold to not 1 but 2 collection agencies. **** ****This account is from almost a year and a half ago and have bypassed their allotted time frame to add this to my credit reports. ***** The original creditor received amounts back on tax returns for losses. they are attempting to triple debt since this is now a 2nd collection agency that has attempted to collect this debt!! IT IS AND HAS BEEN A FRAUD ACCOUNT!! XXXX states I am liable simply because there is my name signed on this alleged contract and refused to investigate after I offered them proof of my signature.
Consumer complaint received 2020-04-01
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo Bank has agreed as part of COVID-19 to : 1. Suspend payments on this account 2. not charge late fees 3. not report a past-due status to payment history, as late or missed payments, for this account to the consumer reporting agencies But Wells Fargo has not kept its promise and continue to report account as late with missed payments.
Consumer complaint received 2022-12-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC. (NY)

This company Midland Credit has called my little sister in XXXX  and told them that I have a debt with them and if I do not pay I will be in trouble. They have violated my rights, I also found out today that I am being sued and I do not live in that state that they are suing me in.