davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2024-04-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

A transaction ( amount : {$2500.00} ) was made with a Bank of America debit card I never received in the mail on XX/XX/2024. Upon receiving the bank 's app alert asking whether I had authorized the activity, I promptly responded no and declined it. Then I called the bank to report the fraud, during which the associate confirmed that she saw my response indicating the decline of the transaction. There were more fraudulent transactions after that call, and I have disputed them all with another call. XXXX, on XX/XX/2024, I found the transaction ( amount : {$2500.00} ) I declined still went through, so I called the bank again to file a claim. The bank hastily closed the claim on XX/XX/2024 saying it was unable to pay back the amount. 

My complaint is that the bank did not research well and it has the responsibility to protect consumers. I have compelling evidence that the transaction was not made by me : XXXX ) The non-delivery of the plastic card made it impossible for me to have authorized it. Prior to the fraudulent transaction, I could only make withdrawals from ATMs using a temporary virtual card. This was necessitated by the fact that the physical card, which I was expecting to receive in the mail since XX/XX/2024, never arrived. 

XXXX ) My XXXX 's location services have always been active so I have evidence from the data showing I was at home when the transaction occurred. The data clearly show that I had been at home until XXXX pm on XX/XX/2024. In the afternoon I went to see a XXXX show and the data precisely show I was in the XXXX XXXX area between XXXX pm and XXXX pm on XX/XX/2024. I can provide screenshots of the location services data records. 

XXXX ) As the phone was on me, I immediately saw the bank 's app alert asking whether I had authorized the activity on XX/XX/2024, and I promptly responded no and declined it. I can provide the screenshot of the alert and my response of declining it. This can also be corroborated by reviewing the initial phone call I made on XX/XX/2024 to the bank, during which the associate confirmed that she saw my decline response of the transaction. 

To summarize, the fraudulent transaction was made using the plastic card that I had been anticipating but never received in the mail. The location data records show that I was at home when the transaction happened. I immediately declined the transaction upon seeing the alert message in the bank app. 

If the card was not delivered safely into my hands, shouldn't the responsibility for covering the charge fall upon the bank? Moreover, despite my decline, the transaction still went through. Shouldnt the bank be responsible and stop the payment immediately? 

With the substantial evidence Ive mentioned, which I could all provide, I don't believe my claim should be closed so hastily, and I believe further investigation needs to be done. The fraudulent transaction should not be paid by the customer.
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2023-07-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MI)

I had an outstanding bill with XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to them not billing my insurance correctly. The date of service was XX/XX/XXXX. I received my first bill in XXXX and immediately contacted them to let them know they billed my insurance incorrectly. I had sent in the correct insurance information and followed up monthly until XX/XX/XXXX. Not only were they billing my insurance incorrectly they stated they sent in the claims and never did on multiple occasions. They also claimed they put a hold on my account to stop it from going into collections. After my insurance made their payment my balance was XXXX XXXX and I requested an itemized statement. I then started receiving phone calls and letters from Transworld systems incorporated which is a collection agency attempting to collect a debt which was MORE then the original bill as my insurance negotiated for a lesser fee. I sent in my itemized statement from the original billers and they told me " sorry our system shows you owe ''. I said someone needs to contact XXXX to have this removed from your system as the debt is invalid. I also called XXXX who stated that they would " followup '' with the collection agency. A week later they didn't and after speaking with a supervisor was told " the ticket was closed as my account shows a XXXX balance so no one contacted the collection agency ''. The collections agency is illegally billing me when I have Medicaaid and the debt has been paid in full. They are harassing me for a fraudulent debt, and refuse to stop after I've provided evidence from the original debtor that my balance is XXXX.
Consumer complaint received 2019-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

showing that this account was In Collections/Charge-off. That was never the case i've talk to the a few times on the phone and they said it shouldn't be reporting and it will be fixed but it never was.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (NC)

WESTLAKE Service Inc I did not give the consent to report any thing on my consumer report And I was Not Contacted At all nor did I give theam Written consent. 15 USC 68 02 A B C I would liked for this account to be deleted from my consumer report and all late or missed payments as well
Consumer complaint received 2020-06-08
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. (NY)

Transunion is claiming a XXXX  credit card account in my name has been closed, when in fact it was my deceased cousins account that was closed, I have {$27000.00} of credit for MYcard. My bank XXXX  has verified this! They told is transunion miss information alternately hold my credit score DOWN!
Consumer complaint received 2020-01-07
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: Experian Information Solutions Inc. (GA)

However I have not had any accounts with your company, and I cant recall if I have gotten any calls or letters from you. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts. It's not my accounts.
Consumer complaint received 2020-01-06
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: Experian Information Solutions Inc. (SC)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2024-04-15
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (HI)

I attended the XXXX XXXX XXXX XXXX XXXX from XXXX - XXXX for a XXXX in XXXX XXXX. They used high pressure sales tactics and made no mention of the difference between private and federal loans, I was simply applying for loans through Sallie Mae at the time, all of which appeared to be federal. The school itself was deceitful, with some teachers unqualified to teach their respective courses and falsifying graduate statistics such as ~95 % of graduates being employed after graduation. I never obtained paying work in industry after graduation, which I've found is common after talking with many graduates. 

I am a XXXX v XXXX full-class member and my federal loans have already been forgiven for attending the same XXXX XXXX XXXX XXXX XXXX XXXX 

I have resided in XXXX  and XXXX, both states which XXXX XXXX 's came to a 'settlement ' with Navient for forgiving private loans, many from the same schools that are mentioned in XXXX that were in default for 7 months. I was in default for 6 months and Navient was relentless in calling friends and family ( my XXXX  is a co-signer on some of the loans ) but couldn't afford payments either. We came to a 'deal ' with the rep from Navient collections to go on a 1 % interest only rate for 1-2 years. By the time the terms were finalized, Navient had increased it to 3.5 %. Because I re-entered payment at the 6th month mark, I was not included in the XXXX case for forgiveness, even though I met every other requirement. 

For the above reasons showing misconduct, I request my remaining Navient private loans pertaining to the XXXX XXXX of XXXX XXXX be forgiven, as their counterpart federal loans are already court ordered to be forgiven and reimbursed as a full class XXXX member.
Consumer complaint received 2023-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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

Account name : XXXX XXXX account number # XXXX. 

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 : Also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-01-07
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. (FL)

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX XXXX  ( XXXX ) ACCOUNT, WHICH IS CHARGED-OFF IS STILL REPORTING ON MY CREDIT REPORTS. I HAVE ATTEMPTED SEVERAL TIMES AT REMOVING THIS ACCOUNT AND NOTHING HAS BEEN DONE BY ANYONE. NO EXPLANATION WHAT SO EVER. I HAVE BEEN AT THIS FOR SEVERAL MONTHS NOW. PLEASE REMOVE THESE DEROGATORY REMARKS OFF OF MY CREDIT REPORTS. THANK YOU.
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NY)

Hello, I am writing this dispute due to I have an account with Synchrony Bank and the representatives at Synchrony Bank did not assist me nor help remedy their automated system error. I had set-up Auto Pay on XX/XX/2023 for the minimum amount of $ XXXX due to be deducted from my main bank account on XX/XX/2023. This date of XX/XX/2023 was confirmed by their account system with a given confirmation number ( # XXXX ) with a notice that a late fee will be charged. This change was well before the payment date and due date on the credit card account. Upon checking my main bank account on XX/XX/2023, there was a payment that was not confirmed/approved made to Synchrony Bank made for the amount of $ XXXX. This caused me to be charged multiple overdraft fees with my main bank and I was told there was nothing that the organization could do about their misinformation in their system. 

Thank you,
Consumer complaint received 2023-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (TX)

In 2006 I bought a new XXXX XXXX pickup. The " seller and I the buyer '', signed an agreement, that stated, that if at anytime there are " any changes '' to the contract, that it " would only be inforceaible only if both parties. signed it. As per our agreement, we assigned the contract, to WFS Financial, the lender, in accordance to the conditions of the contract with the agreement that WFS FINANCIAL would adhere to all the conditions of our contract. WFS Financial, failed to adhere to the conditions of our contract, which by the contract, conditions, made the contract non- inforceaible which made the contract, void. Then WFS Financial, was purchased by Wachovia Bank, without any " contract with me '' then Wells Fargo Bank, aquired Wachovia Bank, and nobody had any legal contract with me. In contracts, when XXXX  of the parties, breaches any of the conditions in the contract, the other party, is no longer liable for any of the contract conditions in the voided contract, the buyer no longer owes anything and the lender '' no longer has any lien rights, in the voided contract. Wells Fargo Bank, after about 15 years of forcibly taking my property the pickup, Wells Fargo Bank only paid me " half '' of the value of the wrongfully taken property. Wells Fargo Bank, had no contract. Wells Fargo Bank, only has paid, half of the amount I paid for the property and Wells Fargo Bank does not even consider paying for all the years I have suffered, because of Wells Fargo Banktaking of property that had, no legal lien on and now they refuse to pay anything because of the taking of property that they had " no right to take '' ....
Consumer complaint received 2020-01-07
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. (UT)

inaccurate information continues to be on my credit report. There is no good number to call and speak to a living person to clear up discrepancies. This is extremely frustrating. There are some collection entries on my report that were removed by the hospital.Acct number XXXX The other credit reports have removed, but Experian still shows them. THey show me with a late payment for {$4.00} to XXXX in XX/XX/2019. This is inaccurate. They show a late payment for XXXX which was an agreement with XXXX and should have been removed
Consumer complaint received 2019-02-13
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. (TX)

ATTENTION EXPERIAN DISPUTE DEPARTMENT I CAN NOT believe that Experian is STILL reporting the account XXXX XXXX XXXX : XXXX, although I have pointed out SEVERAL inaccuracies with this account. How can Experian verify inaccurate information as accurate? By law it is Experians job to ONLY allow accurate and correct information to be entered onto my credit report. 
I am challenging this account for the following reasons : Failure to perform an independent investigation per FRCA regulations Failure to correct, remove, or verify inaccurate disputed items Each credit bureau lists a different open date. Experian XX/XX/13, XXXX XX/XX/13, XXXX XX/XX/13. How is that accurate? 

I have no knowledge of this account and have never done business with XXXX XXXX XXXX so why does Experian list an open date of XX/XX/2013? How is this accurate? 

There should be no past due on a collection account yet Experian lists a past due amount of {$1600.00}. How is this accurate? 

There should be no negative payment history on a closed account recorded yet Experian lists this account negative monthly. How is this accurate? 

The terms are inaccurate.
Consumer complaint received 2023-02-28
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (OH)

My name is XXXX XXXX, an attorney at the XXXX XXXX XXXX XXXX XXXX XXXX. I am submitting this CFPB complaint on behalf of my client, XXXX XXXX. XXXX XXXX 's Loan Account Number is XXXX. His address is XXXX XXXX XXXX, XXXX OH XXXX. He has a VA Loan that is serviced by Loan Depot LLC. 

Loan Depot failed to provide XXXX XXXX with reasonable, good faith efforts at servicing his loan by refusing to cooperate with XXXX Homeowner Assistance Fund ( HAF ) process. Specifically, they failed to respond to the Save the Dream program run through the Ohio Housing Finance Agency ( OHFA ). Had they responded to a records request from the Save the Dream program, XXXX XXXX would have reinstated his loan. But XXXX XXXX is still in foreclosure. 

XXXX XXXX originally applied for HAF funding through OHFAs Save the Dream program on XXXX XXXX XXXX. He was approved on XXXX XXXX XXXX. OHFA sent Loan Depot a request for records soon thereafter. Loan Depot has still not responded to OHFA after nearly two months. 

Loan Depot has been notified of the pending records request on at least six separate occasions, but they have still chosen to do nothing. Within the next few days, Loan Depot 's neglect will have caused the past due balance to increase beyond the {$25000.00} mortgage assistance cap set by Save the Dream. This complicates the process and places an additional, unnecessary hurdle in front of XXXX XXXX 's path to reinstating his loan. 

Loan Depot 's failure to respond is unacceptable. For the last month, they have prevented XXXX XXXX veteran with a VA Loanhis wife, and his XXXX children from reinstating their loan and living free from the stress of an active foreclosure case.
Consumer complaint received 2023-07-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: JTM Capital Management, LLC (NC)

The collection company said if I did not pay the collection that they would file a XXXX against me and I would be XXXX for not paying the collection that I knew nothing about and then kept making harassing phone calls to me.this collection must be removed from my credit report this is wrong and against the law.
Consumer complaint received 2020-01-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (OH)

I have a a unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. 
I request that XXXX XXXX  Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX  Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2022-12-27
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. (GA)

This will be my last Complaint to inform the XXXX XXXX XXXX that I was a victim of identity theft. Per Fair Credit Reporting Act Section XXXX ( a ) the XXXX XXXX XXXX are required to remove any ITEMS which were opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

Experian is illegally reporting a closed account in revolving OPEN balances and is costing points in my credit score i have tried to address the issue and i am being ignored .. i am receiving responses to questions i did not ask. -- YOU ARE REPORTING A CLOSED ACCOUNT AS A OPEN REVOLVING BALANCE.. and per your own data it is hurting my score -- -- it is a violation of fcra and needs to be corrected immediately my revolving OPEN Balances as of today are XXXX -- one part of your site is correct the other is wrong and needs to be corrected