davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-08
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 am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX and XXXX   XXXX
Consumer complaint received 2021-07-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AZ)

We responded to an ad on craigslist for a rental house at the address above. We set up an appointment with someone named XXXX XXXX XXXX to go look at it at XXXX on Monday, XX/XX/XXXX. When we arrived, he wasn't there and was told to set up an account on rently.com in order to access the key inside a lock box to view the house. 

We wanted to go ahead with the rental and that's when XXXX said we needed to XXXX him the deposit of {$1200.00} to take it off the market. We thought he was sending us paperwork in the meantime, but he wasn't. There was a limit of {$500.00}, so that's what we sent. We told him no more money until we have a contract signed. XXXX wanted us to send the rest of the money via XXXX, but XXXX would not allow us to send more the same day. He sent us the application finally. 
When we noticed the application did not match any of the information associated with the listing, we left and went straight to Wells Fargo as XXXX continued to call us. We demanded our money back, he said we had to finish our application. We did not send back any application. He sent us the application form via XXXX. The subject of the email said, XXXX XXXX. 

At Wells Fargo, they said the only way to resolve this was over the phone, unfortunately. We immediately called Wells Fargo and XXXX ( through WF ). After multiple transfers, we finally filed an investigation claim with the Online Fraud department of Wells Fargo with XXXX. ( XX/XX/XXXX ) I even tried to request a payment back from XXXX via XXXX XXXX XX/XX/XXXX XXXX and it was immediately denied. 
Next we called XXXX PD and they never picked up the phone. We even called XXXX PD and were transferred back to XXXX PD and they never picked up. ( XX/XX/XXXX ) I followed up with WF 5 days later ( XX/XX/XXXX ) and they said they could not retrieve the funds from the recipient 's account as of today. Because of that, there was nothing else they could do. If they had tried when we initially called on XX/XX/XXXX, they probably could have retrieved the funds. They just chose not to. 

Now we are out {$500.00} and still do not have a place to move to.
Consumer complaint received 2019-12-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I ordered furniture from XXXX XXXX but never received the merchandise. The order was cancelled but the shipper did not immediately return the merchandise to XXXX XXXX so there was interest accrued on the credit card. When I spoke with XXXX XXXX their rep said that I would be credited for both the merchandise and the interest. They credited the merchandise, but not the interest. When I called back they were supposed to check on that and get back to me, but they never did. Eventually they sold the debt to a collection agency who continues to attempt to collect.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the removal of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$7300.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-23
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. (NJ)

XXXX XXXX is reporting a late payment on my account that is inaccurate. It also has incorrect information reporting. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose Account # XXXX
Consumer complaint received 2021-07-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC (IL)

American credit acceptance is a financial company that I used to finance a used vehicle back in XXXX. Then i started to fall behind on payments, and tried to set a payment plan with them. I was told, they DO NOT have any kind of repayment plan or refinance option at all. strange but ok, so they wanted the past due balance paid in full to make the account current that was a few grand at best. So I decided to wait for a better option, to either refinance with another company or another loan. Then came covid-19, i was laid off so no income at that time. Things were ok until XXXX on XX/XX/XXXX when my wife left home and went to a local XXXX  in XXXX, IN. Upon coming out she noticed the vehicle was gone, thought is was stolen. She called XXXX to report it and was told it was repossessed. Really how? I spoke to a local police officer that was on scene and he concluded that someone followed my wife from home across state lines to XXXX to tow a car. ( stalking ) not that serious for someone to sit outside my home and wait for my wife to leave and follow her where ever she went. ( crippy ) unacceptable to have my wife stranded in another state.
Consumer complaint received 2022-01-01
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. (GA)

Since XX/XX/2021 ; I have filed numerous complaints regarding XXXX, XXXX, and Transunion unwillingness to DELETE erroneous activity found on my credit report. I am the victim of several data breaches, and have provided supporting documentation. To this very day, a few minor deletions have occurred. However, all of the major infractions have established a stronghold with zero intentions of departure. I have spent thousands of dollars adamantly attempting to resolve this matter, but all to no avail. My requests are simple : DELETE EVERY DEROGATORY ITEM IMMEDIATELY OR PAY ME {$1000.00} PER ITEM. To this very day, neither has transpired!!!
Consumer complaint received 2019-12-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect (MO)

I have called the hospital in XX/XX/2019 about not receiving a bill and being sent to collections and they stated that they had my address and it was the slating address, I stated that it was funny because the hospital owns the clinic my primary doctor is out of and their system is linked. Contacted them again in XX/XX/2019 about not receiving another bill and they stated they still had my address in XXXX, MO which is wrong still. And now there is yet another collection on my account from a bill I never received.
Consumer complaint received 2019-02-08
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. (TN)

identity theft XXXX XXXX XXXX opened XXXX with a balance of {$6200.00} is not her account XXXX Opened XXXX XXXX high balance {$2100.00} is not her account XXXX  XXXX   Opened XXXX XXXX high balance {$4500.00} is not her account XXXX  XXXX  Opened XXXX XXXX high balance {$1000.00} is not her account XXXX XXXX XXXX XXXX Opened XX/XX/XXXX is not her account XXXX XXXX XXXX XXXX Opened XXXX high balance {$250.00} is not her account XXXX  XXXX  High balance {$870.00} Opened XXXX XXXX is not her account XXXX XXXX High balance {$260.00} opened XXXX XXXX is not her account CHAPTER-XXXX  Reference number XXXX discharged XXXX is not her account CREDIT PROTECTION High balance {$1000.00} Opened XXXX XXXX is not her accout The XXXX XXXX  High balance {$690.00} Opened XXXX XXXX is not her account
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a victim of identity theft & the person is completing applications in my name without my permission. I have included my identity theft report.
Consumer complaint received 2021-07-30
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IA)

My client is been trying to dispute various items from his Equifax credit report, but the company has not responded. We have sent multiple letters and warnings since XX/XX/XXXX, however, the company has not communicated with my client. We sent letters requesting the dispute of some accounts on the following days : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. By today XX/XX/XXXX Equifax has still not responded to any of our letters.
Consumer complaint received 2024-03-19
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: EQUIFAX, INC. (MD)

I have noticed some unauthorized and fraudulent inquiries on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Consumer complaint received 2021-07-30
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Improved Data Services LLC (AZ)

Improved Data Services LLC Collections I am filing a formal complaint against IDS for abusive and harassing collections tactics. Per FDCPA a debt collector is not allowed to contact a third-party more than once unless requested to do so by the third party. At no time have given IDS permission to contact me at all regarding anything yet they called me ( XXXX XXXX XXXX ) MULTIPLE TIMES. XXXX @ XXXX and XX/XX/XXXX @ XXXX. In addition, per FDCPA if a debt collector already knows how to contact a consumer ( they have location information ) then there is no reason to call a family member, friend, or co-worker. The collector can not ask the third party to pass on a message, ask for other information or harass the third party. On occasions @ XX/XX/XXXX messages were left XXXX stated : Its very important that I speak to XXXX, please return my call, again it is very important that I speak with XXXX, if you are able to get this message to him, I appreciate it. 
I personally called at XXXX and spoke with XXXX and advised she does not have permission to contact my number. She proceeded to ask me if I know the party in question and asked If I know where he is at. I told her I refused to answer this and again not to call my number again. I asked for her employee ID, Company address and CEO name. She proceeded to put me on hold and on came someone by name of XXXX ( I think ). I advised him the same and that I did not ask to speak to him nor did I need to. I explained to him that they are not to call me per FDCPA and I have received multiple messages from XXXX. He proceeded to tell me although I told him this is a form of Harassment that they are not harassing me and that I dont have a valid complaint at all and they are allowed to call. He refused to give me the address, CEO name in addition to XXXX ID because according to him this was not a valid complaint? 

# 1. They have broken direct FDCPA law in contacting a Third Party twice without permission to do so. 
# 2. They have also broken FDCPA by creating urgency and asking me as a Third Party to get a message over to another person. 

I am floored with the fact that even after they broke FDCPA that on a recorded line a Supervisor was bold enough to tell me he would not give me what I was asking for because according to him I dont have a Valid complaint? 

*Note- I still have a copy of the voicemail messages left
Consumer complaint received 2019-12-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

Fed Loan continues to make extremely expensive mistakes with my student loans. I am on a income driven repayment plan as well as the Student Loan Forgiveness Plan as a XXXX XXXX XXXX. Every year I submit evidence of employment and as for a calculation for qualified payments as is recommended by Fed Loan. And every year they make mistakes calculating how many of my payments are qualified when they are clearly all qualified. This year, they are claiming only 6 payments are qualified. I havent missed  any payments. I pay what they told me to pay. I fill out all the forms on time. I do everything they tell me to do. And when they make mistakes I tell them so. And they deny it. Every. Single. Time. Its like corruption is part of their policy. Its like they try to see if people are paying attention and what they can get away with. In my case, I stand to lose thousands of dollars. My anxiety caused by having to deal with this totally corrupt and insanely disorganized company has profoundly affected my life. I cant afford a lawyer to sue them, and they need to be sued. The CFPB is my only hope. I need the last two years need to be recalculated. The last time I requested the CFPB to help with my account you found over 10 of my qualified payments hadnt been counted!!!!! And now Im having to reach out again for the same reason!!! Its unacceptable!
Consumer complaint received 2019-12-31
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

Someone tried to apply for a XXXX pay later account in my name disputed it but wont give me no information says to contact XXXX number but doesnt connect to anyone and when I did talk to someone asked me questions that didnt apply to me I answered correctly but told me I didn't wouldnt give me any information, and score dropped substantially for no reason at all I have been working on fixing my credit and my score is dropping from this person and credit bureau nothing has changed on my credit for it to drop for no reason
Consumer complaint received 2023-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC (TX)

In early XXXX, my loan was transferred to RoundPoint from XXXX. I'd been trying to request an inspection so I could get my insurance XXXX XXXX and XXXX XXXX XXXX  check endorsed and back to me. In a couple of time I spoke with the back, I have provided all the paperwork I was asked to but this is followed by no action from RoundPoint.
Consumer complaint received 2022-01-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (NJ)

ASSET CARE LLC, ACCOUNT # : XXXX ; located ; XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$100.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2021-07-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (CO)

Hyundai finance have lost car payments then falsified documentation. I went paperless so they go on the website and erase change and do Whatever to make their company right! Nothing but fraud. I have attempted on many occasions to get this situation taken care of since XX/XX/2020. I cant even get a supervisor to call me back! Ive put in a complaint after complaint they just close them and not even notify me about anything Little loan Do any investigating into the matter.
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (CA)

The account in question was paid in full on XX/XX/2020. My credit report is showing the account as a charge off with an open balance. The company no longer has my account information on hand and the merchant has stated that they can not help. Please remove this account as it was paid in full and not a charge off. Proof of payment is being submitted.
Consumer complaint received 2021-07-30
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (MD)

My wife and I applied for a VA Home Refinance loan with Suntrust Bank inXX/XX/XXXX. OnXX/XX/XXXX, we are still waiting for the loan to process. My Suntrust Mortgage Consultant has told me that he has multiple VA loans that are awaiting processing. He has seen Non-VA refinance home loans completed within 90 days, but for some reason the Veteran Loans are stagnated. We feel not only neglected, but taken advantage of since we have paid higher interest rates while waiting and waiting for our loan to be processed.
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My XXXX XXXX visa credit card is missing on my credit report. They sent a new card when it was expired but I missed it. Therefore requested a new card almost three months ago and using it since then, but it is still not showing up on my credit report. The card was previously there on my account for three years but suddenly disappeared. I called the XXXX XXXX visa and they said there is no miss on their side. So I created a ticket with the credit bureau a little more than two months ago. I received an email saying the steps they are going to take to resolve the issue but that too of no use. Since then I check for the credit report to be updated but nothing helped. My credit dropped from excellent to fair. All I see are requests to get a new credit card. But the current XXXX XXXX credit card is not even there and unfairly removed. I have always made all my payments before time and never had any issue with my credit
Consumer complaint received 2019-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

Contacted ShellPoint in writing and informed them that my mortgage payment amount was not correct and if they did not correct my mortgage payment amount for XXXX, I would not be able to pay the higher payment because of them setting up a escrow account for me in error because they say they paid taxes when I sent them proof that I paid my own real estate taxes. 

I have not heard anything from Shell Pointe to make the correction.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am lodging a complaint against XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) regarding Account Number : XXXX, based on violations of my rights under the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1681 Section 602 A, the FCRA affirms my right to privacy, which I believe has been compromised by XXXX XXXX XXXX 's actions. 

Additionally, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency can not furnish information regarding an account without my explicit written instructions. It appears that XXXX XXXX XXXX has provided information without adhering to this requirement.
Consumer complaint received 2021-07-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

my lease ended on XX/XX/2019, on XX/XX/2019 i signed a a new lease, back in XX/XX/2019 i lost my job so i went to the leasing office and explained them my situation, they started playing with me likes the person is not here, that i have to sign other form etc.so i paid until my last day at the condo ( by the way i was paying on time every month ) and left.i don't really understand why they want me to pay them if my renewal was never done.knowing that the situation could affect my credit, i called hunter warfield inc and acccept to pay XXXX per month ( eventhouth i don't accept the debt ) in order to keep my credit ok for wish they agreed.after a few months i find out that it was on my credit so i stoped paying for something i did not agreed on the first place.in my opinion this is an scam that this leasing co is doing to the tenants.