davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I do not recognize these XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX This information is incorrect XXXX XXXX XX/XX/XXXX This inquiries were not authorized XXXX XXXX CO XXXX DC XXXX XXXX
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Equifax deleted XXXX acct : XXXX because it has been over the allowed seven years on my credit back in XXXX XXXX XXXX since then they have re-aged the accounts Date Opened from XXXX  to current showing XX/XX/XXXX. i have disputed this account numerous times for inaccuracies especially when the date opened was XX/XX/XXXX and it was verified multiple times, but now they have blatantly re-aged the information on this account. Also it appears that even the account number may have been altered or cganged.
Consumer complaint received 2023-03-06
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)

Im submitting a complaint again to you today to inform you I was the victim of identity theft. This is my follow-up complaint prior to my previous attempt dated XX/XX/. 

The accounts I am challenging are erroneous and misleading. I need those accounts removed ASAP. 


Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX  XXXX .... Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$2700.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$240.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$2900.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$230.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$260.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$840.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$260.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$110.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$240.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$490.00} XXXX XXXX XXXX Balance : {$73.00} XXXX XXXX XXXX Balance : {$290.00}
Consumer complaint received 2024-02-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (OH)

On XX/XX/XXXX XXXXI filed dispute XXXX XXXX for XXXX with Venmo because I overnighted a XXXX XXXX and video game from XXXX XXXX then for some reason switched my same day delivery to an in-store pick up and even sent me a XXXX dollar gift card for the inconvenience then told me once the aloud days past for me to pick up my order and I dont then they would void the transaction so XXXX days later i get an email from XXXX saying thank you for picking up your purchase and said i picked it up from the XXXX at XXXX. XXXX isn't even open at XXXX. I never received my order from XXXX and they refused to give me a refund. So on XX/XX/XXXX I filed the dispute with Venmo sent the all the emails I had that was 100 % proof of what I was saying was true. I use my Venmo daily and they said they had my back on the situation but I still haven't received my money back and its been over XXXX days please help!
Consumer complaint received 2021-07-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Knight Adjustment Bureau (UT)

I contacted this company to attempt to settle 2 different debts. I attempted settlements and one was not accepted and one was. I made one payment to Knight Adjustment to distribute to the two companies. Later both accounts were still reporting on one of my credit reports. I disputed the reports with the credit companies and they kept coming back unchanged on one of the reports yet was completely removed by the other company. I called back Knight Adjustment to ask what happened. After a conversation that revealed the misdirected payments, I requested they pull my call and review. They never called me back with an explanation of what happened. I then emailed the company to request the same thing. No response. I am trying to do the right things as best I can to take care of it, but then this happens. They are preventing the progress I am making by careless errors.
Consumer complaint received 2024-02-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (CA)

I sent a payment to a friend on Venmo.

They suspended my account and debited my checking account for the payment amount even though they did not send the payment.

They asked for Verification, which I did when I setup my account so I uploaded my State Drivers License again. 
They will not tell me why they suspended my account or when these funds they withdrew from my checking account were not transferred back. 
Only received emails stating it would be XXXX business days until verification is complete. 
They have {$2000.00} from my checking account sitting in my Venmo balance.

They emailed this morning stating my account was unfrozen and I was verified.

I imitated a standard transfer to my checking account the full Venmo Balance to my checking account.

They froze my account again and asked for me to Verify my identity again.

They have not transferred my funds back to my checking account and say they will take another XXXX business days to verify my identity again.
Consumer complaint received 2024-02-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (MN)

I had my XXXX XXXX hacked and they sent {$520.00} from my account to his with 4 transactions of XXXX. Wells Fargo gave me provisional credit and are investigating my claim. They come back and tell me that they did not believe for XXXX of my transactions I was telling the truth because they said the that cash app sent them too much evidence for them to do anything and my claim was closed.
Consumer complaint received 2021-01-07
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. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-17
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. (MN)

The items listed below are reporting on my personal credit file and were found in my reports with Equifax and XXXX XXXX XXXX XXXX. I request that CREDIT BUREAUS initiate an investigation into the following inquiries and inaccurate information listed on my credit report, once their investigation is complete, find my allegation to be true, please remove these items as soon as possible : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Consumer complaint received 2021-07-01
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. (FL)

These accounts are not mine and I do not know them. I am victim of identity theft. This is ridiculous because I have them and they are killing my score and my income. I would like you to remove it forever from my account. 
Thank you!
Consumer complaint received 2021-07-01
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: CREDIT BUREAU OF FARMINGTON, INC (NM)

I previously submitted a CFPB complaint regarding CBF Services. They said they could not give a response for not having specific information. I will go ahead and attach the letter I have sent multiple times with all the information needed. Provide with results this time.
Consumer complaint received 2021-07-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (CA)

My Loan servicing was transferred from XXXX XXXX to Planet Home Lending LLC on XXXX per the transfer letter from XXXX XXXX dated XXXX Per the XXXX letter, the law requires PHL, the new server to send out a letter of transfer no later than 15 days from the transfer date. 

To this date I have not received the required letter of transfer from PHL On XXXX I spoke with XXXX of PHL, he said letter had not been issued yet. 

I asked XXXX if PHL had my loss mitigation application from XXXX XXXX. He said no. 

I informed him that XXXX XXXX issued a letter dated XXXX, confirming my loss mitigation application was received on XXXX and they determined it was complete. 

PHL ask that I fax the XXXX letter confirming the loss medication completion and address it to XXXX and they would get back to me, once they located my completed file. Letter was faxed on XX/XX/XXXX On XXXX I signed a PHL, XXXX authorization letter for XXXX XXXX XXXX. 

As of XX/XX/XXXXXXXX PHL has not replied to any of the above ; to me or XXXX XXXX XXXX. 

On XXXX I received a statement from PHL demanding payment in the amount of {$230000.00} Nowhere on their statement did it reflect that I was discharge of this debt in my XXXX Bankruptcy, furthermore their letter is threatening to report derogatory information to the credit reporting agencies. 

Should PHL continue this form harassment, I will seek all legal remedies, including but not limited to Federal Bankruptcy court. 

On XXXX I fax PHL  and asked that they confirm by Bankruptcy Discharge. 

I require thaXXXX PHL address ever one of my points in this complaint.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (NC)

On XXXX XXXX 2023, the account was reported as current. This was an update from when it was previously listed as being in late status. My account still shows as having a late payment with XXXX. I was want that corrected.
Consumer complaint received 2021-07-01
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: CARVANT FINANCIAL LLC (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-07-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (MO)

I have a new loan with MACU, for a class C camper, but I am having issues getting the title from them. 

XXXX XX/XX/XXXX, I co-signed on a loan for my son-in-law, for this camper ... no issues here. 

XXXX XX/XX/XXXX, my daughter and son-in-law broke up, so I bought the camper from him ... financing the loan, again, through MACU. 

-As of today, XX/XX/XXXX, I still haven't received the title, in order to register with my home state of Missouri XXXX At this point, I'm on my 2nd payment on the loan, but I can't get tags and I'm facing late penalties from the state for being late. 

XXXXMountain America CU has stated to me that the only thing holding up the title, is that the seller needs to sign/notorize another form ... which they stated that they initially had in their system, but lost at some point. Email attached showing that they had it in their system. 

-Mountain America CU has already sent the seller his proceeds of $ XXXX, so he has no initiative to help in any way. 

I realize that they need certain documentation, but this was an error on their part ( losing the seller 's signed form ) and I am the one stuck with no resolution and facing penalties. 

Communication has been terrible, through the whole process, but a few of the people I've dealt with have been very nice ( XXXX XXXX and XXXX XXXX ).
Consumer complaint received 2023-05-24
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. (CA)

I called the credit reporting agencies and let them know that the account from XXXX XXXX they're reporting is inaccurate and it shouldn't be there. I have proof that the account is not mine and it has to be deleted from my credit report. Below is a letter that shows what I'm writing is true. I have been trying to resolve this matter since 2021.
Consumer complaint received 2021-07-01
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

To whom it may concern, Pursuant to 15 U.S. Code 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 U.S. Code 1681 is the same as it is under 15 U.S. Code 1602 ( l ) which is the term credit card means any card, plate, coupon book or other device existing for the purpose of obtaining money, property, labor or services on credit. Notice, Congress said Any card. The credit card is my Social Security card.This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 U.S. Code 1681a ( 2 ) ( B ). I am demanding that you remove this Transaction from my Consumer report immediately as it is a violation of my rights as a federal Protected consumer under the title 15 chapter 41. 

Capital one bank usa
Consumer complaint received 2021-07-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (FL)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2024-02-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (IL)

I first filed a dispute with the XXXX credit bureau, and also contacted the company both in XX/XX/XXXX. Affirm , Inc, the company stated they would investigate the matter, after I informed them that I did not open this account, and that I had been a victim of identity theft. XXXX, dismissed the dispute, stating the company stated the debt was mine. As a result as of XX/XX/XXXX, by credit score has been affected by XXXX points, and XXXX stated they would not investigate again. I never opened an account or signed any papers or online for an account with this company.
Consumer complaint received 2024-02-23
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or misleading advertising or marketing — 
Company: The J. G. Wentworth Company (CA)

On XX/XX/2024, I agreed to sell future payments totaling {$390000.00} for a purchase price of {$35000.00}, calculated at a discount rate of 9.79 %, which is greater than the IRS probate rate of 5.80 %.. J.G. Wentworth provided a {$2500.00} advance in XXXX but failed to deliver the remaining funds by the necessary date of XX/XX/2024. I communicated that if the rest of the funds were not provided by this date, I would not require the loan and wished not to proceed with the transaction. 
I Despite my clear instructions, J.G. Wentworth processed the loan beyond the specified date without my consent. Subsequently, on XX/XX/2024, I received a text message from J.G. Wentworth threatening to file a UCC lien against me if I did not return their call regarding the stipulated agreement. This action appears to be in violation of the California XXXX Fair Debt Collection Practices Act, which prohibits such threatening behavior in debt collection.
Consumer complaint received 2021-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Avant Holding Company, Inc. (NY)

Avant Credit Cards are a scam They pretend they are sending a card. I never receive the card.After 10 days call them back, they say we will send you another, they never did. I called, emailed, kept telling them they did not send it. They ignored me, and ignored me. I never received the card, it is a non-activated card. They went ahead, and put their annual fee of {$39.00} as a balance owed..on a never received card, never activated. This is unethical. I said I want the account closed ASAP. They replied not until you agree to pay the balance ( {$39.00} fee ) to XXXX balance. I told them I never received the card, you can not charge the annual fee. The scam is never send a card, ignore complaints that never received, so they can charge {$39.00} fee, then insist you must pay it or can not close the account. There are many many complaints on XXXX about other people never getting their cards and told they can't close the account until you pay the {$39.00}. Many complaints just like mine. This is frightening how Avant is allowed to rip off people even with credit score of only XXXX. They generate fake card numbers ... yes they do. That is how they generate the {$39.00} annual fee to make you pay it.Then if we do not pay for a fee on a card never received, they pile up late fees. Its a scam to get XXXX 's of customers to pay them a {$39.00} fee on a card never received, make me and others out to be XXXX. Then hung up on me several times telling them I never received card. Then they send me an email to pay them their annual fee {$39.00}, or late charges will be added.
Consumer complaint received 2021-07-01
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: Santander Consumer USA Holdings Inc. (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 200 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-07-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

MBA LAW aka XXXX XXXX reported this erroneous debt to my credit reports. This is a debt that I do not owe! This debt was purchased by from another junk debt collector whom was unsuccessful in attempting to collect this alleged debt because of their failure to Validate this debt in accordance with the Fair Debt Collection Practices Act. To add insult to injury, MBA LAW aka XXXX XXXX did not send me a written notice in regards to the alleged debt, and also failed to notify me of my right under the Fair Debt Collection Practices Act to dispute this erroneous debt before inserting it on my credit reports. Failure to properly Validate this debt in accordance with the FDCPA ( which you can't do, I don't owe you anything ) will result in my filing a small claims suit against your company for multiple violations of the FDCPA.