davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-15
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: EQUIFAX, INC. (FL)

There are many credit inquires and debts that arent mine. I have reached out to all 3 credit agency via phone XX/XX/2020, XX/XX/2020 and XX/XX/2020. I have also reached out via mail XX/XX/2020 and XX/XX/2020. I can not get a response. There are many credit inquires that were not completed by me. There is also multiple things that are on my report that are not even mine.
Consumer complaint received 2020-08-15
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. (FL)

There are many credit inquires and debts that arent mine. I have reached out to all 3 credit agency via phone XX/XX/2020, XX/XX/2020 and XX/XX/2020. I have also reached out via mail XX/XX/2020 and XX/XX/2020. I can not get a response. There are many credit inquires that were not completed by me. There is also multiple things that are on my report that are not even mine.
Consumer complaint received 2023-01-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo was recently ordered to pay consumers XXXX XXXX in a class action lawsuit. I believe that I might be part of that settlement. I had a vehicle at that time that was financed thru Wells Fargo. Below I have listed my information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone number XXXX I had a car loan for a XXXX XXXX XXXX XXXX. My car note and insurance was financed thru Wells Fargo.
Consumer complaint received 2022-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

Due to an error on their side, Mr. Cooper is trying to collect on a loan that was paid off before the start of their " servicing. '' They harass me via phone calls, mailed letters, and claims that my mortgage payment is " late. '' My mortgage loan was paid off in full on XX/XX/2022, but I continue receiving literature claiming that my mortgage payments are late.
Consumer complaint received 2020-08-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (IN)

I missed a payment in XX/XX/XXXX. I asked the bank who has my mortgsge if I can pay the missed payment over time to get current on the payments. I was granted a payment plan for XX/XX/XXXX to XX/XX/2020to pay extra and get it caught up. Meanwhile my credit is reporting late payments form the past 6 months. I fulfilled my financial agreement and obligation to pay the agreed upon extra each month on time for 6 months. As of XXXX, my loan would have been current and no more late payments reported to my credit report. 

In XXXX I payed my regular mortgage payment on time. I was sent back a portion of the full amount and told it wasnt enough to cover overages so they are sending {$440.00} back to me. And they continue to tell me Im late with payments for the next 2 months. I called and tried to pay this amount of {$440.00} back but i can not be assured it will be applied correctly. I called several Times each time im not able to get ressolution. im told that someone will get back to me about the situation, im told one of the 6 paymentd where I payed extra wasnt applied correctly. The bank admits mistakes were made but reguse to help tske care of this for me and help me. At this point I feel like theyve not done what is right by me, the customer and dont seem to even care. I am forced to file a complaint about this to get someone at the bank to take notice and correct the matter.
Consumer complaint received 2020-08-15
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. (FL)

There are many credit inquires and debts that arent mine. I have reached out to all 3 credit agency via phone XX/XX/2020, XX/XX/2020 and XX/XX/2020. I have also reached out via mail XX/XX/2020 and XX/XX/2020. I can not get a response. There are many credit inquires that were not completed by me. There is also multiple things that are on my report that are not even mine.
Consumer complaint received 2020-08-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (PA)

XX/XX/XXXX {$1500.00} EFT P2P Netspend froze my card for a transaction, upon calling i was told someone tried to do a person to person transfer of funds and they stopped it. I was advised a new card would be expedited to me. The next morning i received a call from Fraud Prevention department. He had me verify my information and then said the hold would be removed from my card and to disregard the new 1 coming. Later that day i noticed my phone no longer working. upon calling my provider i was told my number was ported to a phone i TX i reside in PA. i immediately tried to check my netspend account and my info was changed and i couldn't log on. I called Netspend only to find out that XXXX was electronically transferred to a card with my information attached.The rep told me they froze P2P transfers on my account and yet that how my card was emptied. They wouldn't freeze my account before the funds were taken per the ELECTRONIC BENEFITS ACT guidelines! I have not received a provisional credit as stated in netspend terms. I have found over 20 people who have experienced the same EXACT FRAUDULENT ACTIVITY with netspend IN TEXAS and their refusal to refund transferred funds under REGULATION E, EFTA, XX/XX/XXXX. I am also contacting ATTORNEY GENERAL office XXXX XXXX of Texas, XX/XX/XXXX, and a consumer protection attorney. As it appears a rep with Netspend is providing consumer information to commit fraud on their consumers. The FEDERAL BUREAU OF INVESTIGATION and TEXAS POLICE DEPARTMENTS have also been contacted due to the number of proved cases of fraud out of Texas where our funds is transferred to additional cards bought at the XXXX  or XXXX XXXX  in Texas despite us residing in other states using our private information .Netspend is a scam and never want to return funds they have stolen. I have made it my mission to get this out to the public and alerted the news. I will also be contacting FDIC and ATTORNEY GENERAL OF THE UNITED STATES!
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

MF  information was sold and brought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of the data breach and Equifax has done nothing. Please help me delete these illegal accounts from my Equifax credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Reporting incorrect personal information : Reporting multiple incorrect addresses on my credit report : The only addresses that should appear on my credit report are the following, all other addresses are incorrect and create a compromise in my report security.. 

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX I only have one name and the credit bureaus are reporting several. The following is my exact name as it should appear on my credit report, all others compromise the security of my credit report : XXXX XXXX XXXX My credit report is showing associated with someone name XXXX XXXX and this should not be the case. My Spouse 's name is XXXX XXXX.
Consumer complaint received 2020-08-15
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Consumer Portfolio Services, Inc. (NC)

Date Opened XX/XX/2018 Amount reportedly owed- {$4800.00} This down payment for this vehicle was never paid in full. and for that matter, this account is a fraudulent account. Addresses ', balance, are inaccurate along with other information.
Consumer complaint received 2020-08-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

XXXX XXXX XXXX transferred my loan to Select Portfolio Servicing , Inc. while on a loan modification trial period, which is against the terms of the attached contract. I entered into a loan modification contract with XXXX  XXXX XXXX on or before XXXX, which was the due date of the 1st trial payment ( see Offer/Acceptance Letter attached ). I made all 3-month trial payments on time ( see attached payments confirmations and copies of checks ). On XXXX XXXX  XXXX XXXX sent me a letter notifying me of their transfer of the loan to Select Portfolio Servicing , Inc. ( see attached ). I had to cancel my 3rd trial payment because XXXX XXXXXXXX XXXX wouldn't take the payment. I suffered great monetary loss and struggled for a refinance of the mortgage that was transferred to a servicing company that did not have my account set up in their system and that changed the terms of the loan modification contract agreement and added more fees and costs such as late fees, attorneys fees, loan level advance fees, ect ..., to my account and sent my account to foreclosure.
Consumer complaint received 2019-04-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I was told my consumer services that they do not have to offer me deferment while I am in school and I have to start making payments. That is was a kindness that not a requirement for the company to offer deferment. 
I have emailed the company twice as I can not misses any work hours to make a phone call. 
Refuse to use my legal name and the name under the loans when I do talk to them.
Consumer complaint received 2020-08-15
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: NAVY FEDERAL CREDIT UNION (CA)

I have a loan with XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) and NAVY FEDERAL CR UNION. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) and NAVY FEDERAL CR UNION. with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-15
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: WELLS FARGO & COMPANY (MA)

I can't believe what I saw on my credit report.. It says late 30 days on my PAYMENT Status. Very inaccurate because there are no lates on my payment history.
Consumer complaint received 2020-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Please remove the collections accounts from my credit file. I have not signed any contract of made in agreements with these company and they no right to report on my file. I have received any form a debt validation in a timely manner or at all.
Consumer complaint received 2024-04-15
Product: Credit 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: CITIBANK, N.A. (PA)

I had purchased adjustable base, mattress, and pillows on XX/XX/year> in the amount of {$3000.00} and I had cancelled and refused delivery ( as per Tempur-Pedics advice ) for mattress and pillows ( shipped via UPS ) and the adjustable base was never delivered via XXXX. I do not have any of their merchandise of adjustable base ( {$1300.00} ), mattress ( {$1400.00} ), nor XXXX pillows ( {$170.00} ). I have only been credited {$1100.00} ( base minus home delivery fee times sales tax or ( {$1200.00} - {$170.00} ) XXXX = {$1100.00} ). I have followed their customer service representatives advice and refused delivery, and their website says that the mattress is returnable but they have not refunded for the return of the mattress nor pillow ( both were unopened as per their advice ). 

XXXX had provideXXXX as evidence of mattress and pillows being delivered but this was from my second order placed on XX/XX/year> after I spoke with their customer service representative assuring me that my first order was cancelled. I feel that this was a deliberate strategy, and not an honest mistake, by XXXX to confuse matters with Citibank and their XXXX party investigators. At this point, Citibank has concluded that I need to pay for both mattress and pillows, even though I had cancelled my order and their products have been returned to their respective warehouses.
Consumer complaint received 2020-08-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: OneMain Finance Corporation (SC)

I only had the car for two months starting some time around XX/XX/2020 and I have been having probleming since day 1. The problems to fix this car is expnse but they are willing to pay. This car has been putting me on the side of the road coming from work many days and nights. It has cost numerous of problems causing me to missed work, doc apt XXXX all because of a lack of a ride. They fasely advertistment this particular car and knowing that this car is not " WORKING ''. I also believe this car is a " LEMON '' and it just never going to be the same. It goes in the same shop back and forth and the shop doesn't fix on the car right at all. The dealer know something wrong with the car because they are pressuring me to get something else but I have to have a CO-signer and dont have one.
Consumer complaint received 2020-08-15
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: Collection Bureau of America Ltd. (CA)

I have a loan with COLLECTION BUREAU OF A ( Original Creditor : XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, COLLECTION BUREAU OF A ( Original Creditor : XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX. with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC. (FL)

These inquires show on my credit report and I did not authorize for them to be done. I have provided the inquires and the date the inquiry was made. I have filed an identity theft report in order to get this resolved. 
XXXX XXXX XXXX Date : XX/XX/2023 XXXX XXXX Date : XX/XX/2023 XXXX XXXX XXXXXXXX Date : XX/XX/2023 XXXX XXXX Date : XX/XX/2023 XXXXXXXX XXXX  Date : XX/XX/2XXXX XXXX
Consumer complaint received 2020-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

Please remove the collections accounts from my credit file. I have not signed any contract of made in agreements with these company and they no right to report on my file. I have received any form a debt validation in a timely manner or at all.
Consumer complaint received 2020-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

After reviewing my credit report. I noticed some charges made does not match my records and was not made by me. Please remove all accounts listed in this report from all 3 credit bureaus XXXX, XXXX  and Equifax. The false information that's reporting on my credit report is affecting my ability to obtain credit.
Consumer complaint received 2020-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

After reviewing my credit report. I noticed some charges made does not match my records and was not made by me. Please remove all accounts listed in this report from all 3 credit bureaus XXXX, Transunion and XXXX. The false information that's reporting on my credit report is affecting my ability to obtain credit.
Consumer complaint received 2022-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (GA)

American Express XXXX sent a response regarding the initial complaint indicating that my account was late and stated such fee could not be waived as it was applied correctly, as my complaint was frivolous and they were indeed correct. When I sent the remittance coupon to the corporation it was on time and was sent days before the due date. The corporation is refusing to accept the remittance coupon because I caught onto their embezzling scheme of stating that I owed them a debt when in fact all bills are prepaid and the remittance coupon was accepted for value. They are refusing to acknowledge that all debt is prepaid and in addition, banks do not loan anything out. The very funds that I have been using has been in fact coming from my strawmans account. They are also in violation of several laws by refusing to accept and acknowledge that according to HJR192, UCC 3-603, UCC 3-104 , UCC1-308, 12 USC 411, UCC 3- 419 , 18 USC 8 states the value of what currency is and that all debt are prepaid and are a negotiable instrument. They are also within violation of 12 CFR 215.3 - Extension of credit. and according to their claims it is based upon the history of my payment history, etc.
Consumer complaint received 2020-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (TX)

I received a collection account statement from Sequium this week asking me to pay {$270.00} on ; XXXX XXXX XXXX '. I called Sequium and asked what this collection was about, he looked in to the accoount and said he wasn't sure about the original creditor and said it could be XXXX or XXXX XXXX XXXX. I asked for the service date but he did not have that information either. 
I told him that I have a different pest cpontrol company that I have been using ever since I moved in to this address and NEVER used XXXX  or XXXX XXXX XXXX  but he wouldn't listen. I asked him to verify the service address but he was sure about the address. I requested him to send me a detailed statement that shows the activity on my address under my name but he refused to do so and asked me to review the bill he sent to me. HE SAID THE BILL HAS ALL THE INFORMATION ON SERVICE PROVIDED TO ME. Please see attached bill and see if it provides any details on the service.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (CA)

XXXX XXXX XXXX Hard inquiry was ran without my consent on XX/XX/2024 CBNA Hard inquiry was ran without my consent on XX/XX/2024. 

I recently discovered unauthorized credit inquiries by the companies and I ask for an explanation at their earliest convenience.
Consumer complaint received 2020-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (NY)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC. (VA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.