davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIRST CITIZENS BANCSHARES, INC. (GA)

XX/XX/2019 A while back, I lost my wallet. It fell from my opened purse. I attempted to cancel my bank card that same night, well before unauthorized withdrawals appeared on my account. However, the office was closed and the automated phone banking line, continued to tell me to call back during office hours. I called as immediately as someone became available. The card was cancelled and the fraud claim was made. It took them 2 months to reverse the charges ( {$200.00} from nearby gas stations ) and release my payrole check, that I trustingly deposited. And another month to reissue my card. A 3 month ordeal. My claim was denied. I was made to go and get a " police report ''. And even after that my claim was denied again! 
I had prepared myself with letters and names and addresses of bank upper management personnel to fight my case. But first I decided to take the matter to the branch manager. 
After a lengthy discussion which included a claim of discrimination, she said she would get all of the information to the correct person. And that there would be results forthcoming. I am a XXXX original customer. 
After that episode, an even more terrible action was taken against me. My business account that I had for 10 years was closed. My account became overdrawn due to overdraft fees. I have been buying XXXX  XXXX  on line and I noticed a charge that I didn't recognize at the time. I reported it to the bank. I never heard any information regarding the claim after that. I basically believed the bank would halt the overdraft fees till the investigation was completed. They did not. Nor was I ever notified of there decision. 
I eventually went back to the back and complained to XXXX XXXX. She called the fraud department and they told her that it was a cash back transaction using a chip and it was denied. This they never informed me of. When she mentioned cash back, I remembered that I was on my way to pay a mechanic. I told her that immediately on hearing it. However, even as I was making regular payments to the negative balance and only one day after the last payment that I made on the amount, my 15 yr. account that I had maintained with XXXX before it was taken over by first citizens, was closed. 
She told me to pay the remaining {$19.00} and my account could possibly be reopened, or another one. I put the money, ( {$20.00} ) in the night drop addressed to her. I have not heard back from her. 
Enclosures : 3 Thank you XXXX XXXX XXXX Aka XXXX XXXX
Consumer complaint received 2020-03-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

i took out a loan from them. i gave all my monthly payments. onXX/XX/XXXX i get an email telling me that the loan was paid off. ( see the attached document ) after that about a month later i get an email saying that i owe them for a payment that was not done in XX/XX/XXXX. i called in and i told them that they never told me that that there was a payment missing. 
i told them that i have in writting that states that the loan was paid off. 
i requested to speak with someone and was transferred to a " complaint voicemail and never heard back. 
about 2 weeks ago, my account overdrafted because they charged a check for the apyment that they state was never made. 
however i never heard back from my complaint and they never told me that they would charge my account. 
the check that they made to charge my account is also attached. 
it is not my fault that they failed to complete their process.
Consumer complaint received 2020-03-19
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 applied for a small personal loan today XX/XX/2020 because I was laid off of work and I need to pay off bills but I did not get approved because apparently there are accounts in negative standing appearing on my credit report. I was not aware of these accounts because I have always made sure to keep my credit history in good standing. I looked through my credit report and I found a total of eight accounts that do not belong to me. I have no idea who is responsible for opening all of these accounts in my name without my permission but I have already gone to file a police report. I did not benefit anything such as money, goods, services from any of these accounts nor am I affiliated to any of those companies in any way.
Consumer complaint received 2020-03-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

I tried to do a loan modification with SPS. SPS is stating to me that because I had other reviews in the past the investor says I am not eligible. I next submitted a short sale and SPS approved this short sale. I had several judgments and liens to get cleared up in order to make the closing on time. We got 2 extensions from SPS and when were ready to close we asked for a 1 day extension and SPS declined this extension. 

SPS then closed the short sale review. The very next day we resent the entire short sale file to SPS and they stated the investor which is the XXXX XXXX XXXX XXXX XXXX would not open a second short sale review per their guidelines. I spoke to XXXX XXXX XXXX XXXX XXXX  and they stated I am eligible for a short sale because there is no sale date within 37 days of the review and they told me to resend the file to SPS. 

It seems SPS is making up rules on their own rules as I spoke to some of their other clients who have SPS but a different investor and SPS is telling all clients they are not able to do a second short sale review because the investor only allows one review, no matter who the investor is. SPS should open my short sale review. I am eligible and they refuse to confirm this with XXXX XXXX XXXX XXXX XXXX. They should also open the review because these short sale documents were submitted 37+ days prior to any scheduled foreclosure sale date. 

This is unfair to me, the buyer, and all parties involved in this short sale.
Consumer complaint received 2020-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Orion Portfolio Services, LLC (FL)

On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from a debt collection company called XXXX XXXX XXXX. The letter itself states I have thirty days to dispute or pay a debt of {$170.00}, failure to communicate with them in thirty days results in admittance of debt, and that this debt was obtained from a creditor named Orion Portfolio Services LLC. Orion Portfolio Services LLC states they formally held this debt from a company called XXXX XXXX XXXX. As for my actions, I notified a credit bureau to place a temporary fraud alert to protect my identity, and I notified this XXXX XXXX XXXX that I am disputing the debt. I lived in XXXX and utilized XXXX XXXX XXXX as my power company from XX/XX/XXXX-XX/XX/XXXX. I never had a delinquent account with them and I paid off my final bill in XX/XX/XXXX ( I moved from XXXX, XXXX  to XXXX  at the end of XX/XX/XXXX ). This is the first time in almost thirteen years I've been notified of any type of debt, and I believe that one or more of the above companies is incorrect and possibly " scamming '' me.
Consumer complaint received 2020-03-18
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. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX US DEPARTMENT OF EDU Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX US DEPARTMENT OF EDU
Consumer complaint received 2024-02-06
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc. (PA)

DIVERSIFIED ADJUSTMENT SERVICE is in violation of the Fair Debt Collection Practices Act ( 1006.34 Notice for validation of debts. ) to send a written debt validation notice with information about the debt they're trying to collect. It must be sent within XXXX days. DIVERSIFIED ADJUSTMENT SERVICE now in violation of the FCPDA, and are now subject to fines of {$1000.00}. I have no knowledge of this account and believe this account was open fraudulently. A collection is by default late and past due, this account due to inaccurate reporting is in violation and damaging my credit report.
Consumer complaint received 2020-03-30
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: Experian Information Solutions Inc. (MO)

After my identity was stolen and compromised I'm now left with hard inquiries reporting kn my credit files inwhich i have absolutely any knowledge of, therefore I'm demanding that these unauthorized inquiries be removed. 

1 ) All ( 29 hard inquiries ) on XXXX.

2 ) All ( 24 hard inquiries ) on XXXX  3 ) All hard inquiries on Experian
Consumer complaint received 2020-03-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC (CO)

My name is XXXX XXXX I bought a XXXX XXXX XXXX using Westlake financial services account # XXXX Sent me a letter stating I owed {$13000.00} to close the account with a one time  offer to settle {$2600.00} I called them and asked if there was anyway to pay XXXX today. this was on the XXXX of XXXX, XXXX the lady I spoke to said the least they could settle with was XXXX if I paid right then so I paid it and she said my confirmation number would be emailed it never was I never recieved my receipt or confirmation and when I called back i was sent the receipt through an employee email not westlake financial and they also stsred that they would report to all 3 bureaus as settled with a XXXX balance I have the letter that they sent with the offer to settle please help me for all I get is a run around
Consumer complaint received 2020-03-19
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. (CA)

I applied for a small personal loan today XX/XX/2020 because I was laid off of work and I need to pay off bills but I did not get approved because apparently there are accounts in negative standing appearing on my credit report. I was not aware of these accounts because I have always made sure to keep my credit history in good standing. I looked through my credit report and I found a total of eight accounts that do not belong to me. I have no idea who is responsible for opening all of these accounts in my name without my permission but I have already gone to file a police report. I did not benefit anything such as money, goods, services from any of these accounts nor am I affiliated to any of those companies in any way.
Consumer complaint received 2020-03-19
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAINE & WEINER COMPANY, INC. (CA)

On XX/XX/XXXX @ XXXX hours I received a call ( phone # XXXX ) from a man claiming to be XXXX XXXX XXXX XXXX XXXX XXXX ( Im guessing a debt collection agency ) & stated they were a contracted company out of the City of XXXX Finance Department. He stated that I had not filed/reported for a business license renewal for the year XXXX. Well Ive never applied for a XXXX license first of all, & secondly while I do in fact run a XXXX XXXX, all of my quarterly income & applicable taxes have been reported & filed with the city. My XXXX is in good standing. I believe he obtained my business name & an old address that I did business out of for less than 2 months possibly from discarded mail from that old location. He stated that if I didnt provide proof of this filing that the $ XXXX debt would remain in collections. I have already updated my address info with the city regarding my XXXX long before I received this call ( obviously a red flag ) so any legitimate paperwork would have been received at this updated address. At this time, Ive received nothing. I asked where I could send the proof & he gave me an email address of XXXX.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

UPDATED AND NEW INFORMATION ON EQUIFAX : On XX/XX/2022 I stated that " EQUIFAX has made false statements and causing harm to my personal reputation which is a defamation of character. '' Case Number : XXXX Today is the XXXX day ( XX/XX/2022 ) Consumer reporting agencies only have 30 days to respond to the consumer disputed INACCURATE ACCOUNTS, ADDRESSES, AND HARD INQUIRIES on my consumer reports Pursuant to 15 usc 1681i . Equifax has failed to do so in a timely manner, so everything in my attachment document shall be deleted from my consumer report.
Consumer complaint received 2020-03-30
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. (FL)

I have a list of accounts that show incorrect information on my credit report. I've gone back and forth with the creditor and the bureaus for a while and the problem is still not fixed. I've attached the accounts below. They need to be removed from my account. I listed the reason 's why as well.This has brought much grief and heartache to me and my family, I hope this is we can get this resolved.
Consumer complaint received 2020-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

Good Afternoon, I contacted XXXX XXXX after receiving an alert on my credit file of an inquiry. After contacting company I explained to company Ive been a victim of identity theft since 2007. 

Ive had numerous bank accounts, housing and credit opened on my name. XXXX XXXX provided me a credit file that had incorrect information listed - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  Ive disputed XXXX XXXX - debt collector for XXXX XXXX is XXXX XXXX XXXX. XXXX XXXX XXXX  sent documentation to be removed from credit file/ all other credit Bureaus have complied with removal however Experian and XXXX XXXX has not removed XXXX or XXXX XXXXXXXX XXXX which is the collection agency for XXXX. 

Attached is the letter from XXXX XXXX adjusters for removal. 

XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX are fraudulently opened accounts. To open account in my name company must ask identifying questions and contact me via phone. I never received a phone call from any of these companies. 

Attached are copies of police reports from XXXX now. Also attached is my -fraud Alert on my credit file. 
- report verification from XXXX XXXX. 
- letter sent of most recent attempt from XXXX XXXX. 

I have done my due diligence in contacting CFPB, FTC filing Police Reports, Registering on all major credit bureaus as an Identity Theft victim. This has been a nightmare. Please Help.
Consumer complaint received 2020-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX an account with XXXX XXXX was a opened. There was a final payment made on XX/XX/XXXX and the account was later charged off. According to the State of California, which is the state I reside in, the statute of limitation for reporting charge offs is 4 years. This account is well past the 4 years the law allows to continue reporting to credit bureaus.
Consumer complaint received 2020-03-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (CA)

I write in connection with the Discover Card ending in XXXXThis charge off account is present on my credit report. The presence of this tradeline is in accurate. I submitted multiple disputes with the credit bureaus all of which were unsuccessful. I contacted Discover directly. Discover 's " proof '' that I was the obligor on the account was the existence of the bills. Discover provided no other evidence that I actually applied for the account. The existence of the monthly bills, in and of themselves, does not constitute proof that I am the actual account holder. Discover has never provided proof that I actually applied for the account or that I made payments.

It my position that I am not indebted to Discover Bank because I did not apply for or benefit from the goods and services provided by Discover Bank. I attach the monthly bills sent by discover It appears that origin of the Discover account in question relates to the XXXX XXXX XXXX # XXXX XXXX, California XXXX. I have no association with this address. Additionally, the mailing address was changed to a PO Box address in the last stages of the account. 


This account was opened without my consent in XXXX of 2014. The entire lifespan of the Discover Card account was less than 2 years. The account was used and benefitted by the identity thieves and discarded. In a short amount of time, the identity thieves abandoned the account.
Consumer complaint received 2020-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

Previously I filed a complaint against SP Servicing that they did not apply my funds appropriately. They responded back that I accrue daily interest. I demand my monthly interest amount when I paid my mortgage on XX/XX/2020 and they failed to respond to my request. They also said there was an error that had to be corrected and my previous interest was miscalculated. There was no error. They did not provide proof of the error or any documentation addressing that there was indeed an error. I demand proof of error. All they provided was a copy of my mortgage which I already have. These idiots truly believe that they can keep saying that my mortgage accrues daily interest and that justifies what they did. As stated my payment was {$930.00} dollars, but for one month they charged me over {$1100.00} interest. Interest was roughly {$500.00}. They must show how this interest was calculated or I will continue to file complaints until they do. In fact will be filing a complaint in the state of Texas where my home is located. Send me the proof I have demanded. They will refund my money.
Consumer complaint received 2020-03-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (UT)

This is in reference to allegations put forth from XXXX Wednesday, XX/XX/XXXX XXXX XXXX XXXX. The date of last payment was made XX/XX/XXXX. which is past the statute of limitations for collection. 


2. I paid the full amount of XXXX on a purchase that was only XXXX. 


3. They didn't inform me that my payments where a dollar shy causing late payments of XXXX a month for two years.

4. Under this my payments never went down. XXXX never sent notice that this was what was happening. 


5. Contract broke by them not informing me to why my payments never decreased and always increased the amount owed.