davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (LA)

I continue to be contacted about an 11 year old Wells Fargo debt that was settled six years  ago in collections. 

I've had at least three new collections agencies call me and threaten legal action in the last year. They say they have mailed me a summons, they say someone has come to my house with a summons and I ignored them. They say I will be taken to court and my wages garnished. Now a new one is calling. They call and disturb my mother 's house. The new # is XXXX They start yelling on the phone and talking over you when you try to explain that it's taken care of. They tell you it's too late. You tell them to take your number off their list, they continue to call and bother my mother. They are even calling my sister who has an old phone # I haven't used in almost 10 years. 

It seems there is no way to stop this never ending cycle and it's all Wells Fargo 's fault, since they were hacked it's all started happening.
Consumer complaint received 2020-04-09
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. (AR)

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got XXXX and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.
Consumer complaint received 2021-10-14
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (NC)

Applied to refinance a conventional loan to va loan. When locking in the rate I had to pay an appraisal fee of {$490.00} and a credit report fee of {$21.00}. A few days later the loan was cancelled due to a 6 months seasoning requirement on the current loan to refinance to a va loan. I even asked the loan officer multiple times to make sure it could be done as other banks had told me similar. Loan officer could see all this information from the initial credit report but still told me loandepot would be able to do it. After a few weeks I finally got an email stating that only the {$490.00} appraisal would be refunded. Loan officer said credit report fee would not be refunded even though the cancellation of the loan was due to their incompetence.
Consumer complaint received 2020-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My husband and I have been a victim of identity theft. We pulled our credit because we kept getting calls about a debt we owed. We have no idea what this debt is about. There are several things on our credit that do not belong to us and that were open under joint accounts with our names and social security numbers. Please remove these fraudulent items from my report.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I sent letters last month to the 3 credit bureaus but the all letters has been ignored. I sending this complaint to let the bureaus know that I'm sending my letters on my own. I never hired or use 3rd party to send and file complaint against to the bureaus. I hope it will help to response to my complaint. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC (CA)

It was around the first part of 2019. XXXX XXXX XXXX XXXX offered my wife and I phone service with their company. They gave us the phones we wanted. immediately, like two days after signing with XXXX XXXX XXXX we were having bad service. dropped calls, fading signals, and calls not going through. We started to call in and complain to see if they can fix the issues. All they kept telling us is, ( their working on the cell towers and putting more towers in our area to boost up signals. Just hang in there ). We had a 14 day cancelation if we didn't like the phones. Almost every other day we complained about it. They did nothing. It got to the point that we were tired of waiting. so we went back to our previous carrier. XXXX XXXX XXXX reach out saying that we owe them around {$2300.00}. We told them what was going on. We offered to give them their phones back. They told us that the phones are considered used that that we past the 14 day trial. Also that we had to pay for the phones. I've tried to reach out to XXXX XXXX XXXX several times to resolve this issue, but all they do now is to put you on hold for a long time or simply hang up because your not starting new service. After some time went by, we were contacted by XXXX XXXX XXXX XXXX, a collection company to pay pay the full amount. I explain the whole situation and they told to write a statement describing what happened. I submitted a Statement and did not hear anything back from them. I thought that everything was settled. Now eight months later were receiving letters from Receivables Performance Management LLC telling use to pay this {$2300.00}. When is this going to stop. I know that theirs companies that just go out to find anything on you to pay. Nothing gets done about it. The way I see it is that XXXX XXXX XXXX failed to provide us service that that we paid for. Their in breach of contract. No monies should be owed. Can you please help us.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX  XXXX  XX/XX/2023 XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX  XX/XX/2023 XXXX  XXXX XX/XX/2023 XXXX  XX/XX/2023 XXXX  XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX  XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX  XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2020-04-09
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. (TX)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. 

XXXX XXXX {$18000.00} XXXX XXXX XXXX {$500.00} XXXX  XXXX {$0.00}
Consumer complaint received 2020-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I requested Experian to investigation a trade-line from XXXX XXXX XXXX ( XXXX  ) disputing the alleged balance and the first date of delinquency, on or about the first week of XX/XX/2020. On XX/XX/2020, I received a notification from Experian that the investigation was completed and information regarding the history of the account changed shortening the account history and its confusing to an average person. See Attached. 

I am demanding an account-level documentation investigation conducted showing the accounting history, the alleged balance, date opened, first date of delinquency, documentation establishing the terms of this account, and the contract with my signature or equivalent establishing an agreement between XXXX and myself.
Consumer complaint received 2020-03-29
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. (SC)

I AM SUBMITTING THESE DOCUMENTS ON MY OWN BEHALF. I WILL ASLO UPLOAD THEM IN ONLINE. PLEASE DO NOT SAY THIS IS A COMPANY SUBMITTING THEM. I HAVE ALSO BEEN AFFECTED BY A BREACH OF EQUIFAXS INFORMATION. Send in information via CFPB to update my address to prevent any future access to my sensitive information. I've had several attempts of someone trying to open accounts in my name because I was still receiving prequalified offers in the mail at a previous address. I've purchased a home and no long want to receive promotional offers from companies that XXXX  allows to do a soft inquiry on my credit profile. I would like for XXXX   and Equifax to block and remove any inquires that didn't originate from me as well as update my current address to show accurately. Several accounts were successfully opened in my names that are fraudulent and Id like to that them removed immediately. This information is listed below, ALL accounts and hard inquires that are a result of identity theft.
Consumer complaint received 2021-10-14
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

To whom it may concern there was theft on my account Capital One Bank UsaInquiry from XXXX XXXX, XXXXXXXX XXXXCapital One Bank UsaInquiry from XXXX XXXX, XXXXCapital One Bank UsaInquiry from XX/XX/XXXX, XXXXCapital One Bank UsaInquiry XXXX XX/XX/XXXX  I have spoken to capital one a few times about this matter and they said would remove from my credit report and never did since i never authorized any of these with there company.
Consumer complaint received 2021-10-14
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. (IL)

I disputed the following information with Experian, XXXX, & XXXX and they have yet to respond in the time allowed by the FCRA. XXXX, Experian, & XXXX are violating my rights as a consumer and Im requesting legal action to remove these accounts immediately. 
XXXX  XXXX
Consumer complaint received 2020-03-29
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (MN)

On Saturday, XX/XX/2019, I was at the XXXX Mall for holiday shopping. The merchant, XXXX XXXX XXXX ( merchant ), operated a holiday kiosk on the second level of the mall. Upon passing by the kiosk, a salesperson from the merchant kiosk approached me directly and asked if he could introduce me to his line of products. I agreed and allowed the salesperson to demonstrate his products. 

When the demonstration was finished, the salesperson revealed the cost of the products. I specifically asked the salesperson if the products could be returned if I did not like them. The salesperson assured me that the products could be returned or exchanged and the sale was closed. My Capital One Credit Card was charged {$370.00}. 

Half an hour later I found the same products online for a greatly reduced price. I contacted the merchant at the phone number listed on the receipt. There was no answer and the call went into voicemail. I contacted the merchant by text to document the discussion and demanded a refund. 

The salesperson stated that the merchant would match any price found cheaper on the web. I stated that I no longer wanted the product and requested a refund. Merchant stated in text that You have money back guarantee and promised to put me in contact with the merchant customer service the following Monday. 

Shortly after, I had an allergic reaction to the products. 

The salesperson never contacted me as promised on Monday, XX/XX/2019 and all calls to the customer service number listed on the receipt went directly to voicemail. 

I have made a good faith effort to resolve this issue with the merchant and Capital One. The merchant is non responsive and Capital One has ignored clear and convincing evidence that no refund policy was listed on the merchant 's credit receipts. During initial text conversations with the merchant, the merchant clearly stated that a money back guarantee existed.
Consumer complaint received 2021-10-14
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: LEXISNEXIS (OH)

I XXXX XXXX is currently submitting a complaint regarding Lexis Nexis a consumer reporting agency. According to the FCRA 15 USC 1681 ( a ) ( 4 ) as a consumer with respect to my right to privacy so there is no such thing as a public record which Lexis Nexis has failed to comply to my right to privacy in which is a violation of the FCRA and is currently reporting a Bankruptcy ( Case Number XXXX ) on my consumer report. I have reached out to the bankruptcy court to check to see if they report to the consumer reporting agencies and they have responded and stated that they do not report to the consumer reporting agencies. In the attachment of this compliant you'll find the letter from the court stating such fact. Lexis Nexis has fished this information out and was not given permission to have information and pursuant to 15 USC 1681b ( 2 ) they did not have permissible purpose to furnish this information. I demand that this is removed immediately.
Consumer complaint received 2020-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (WI)

I received and email on XX/XX/20 stating that they were changing my payment amount from {$290.00} to {$50.00}. I would have had this loan paid off in XX/XX/2020. But with their change i would have been on the hook to them for the next three years. I tried to go on their website to change the payment back and there is no place to change your payment. I then called and they told me that because my loan was consolidated that i was liable to them for so many months and that's why they changed it. They said that i had overpaid somewhere along the way. Not sure how that was possible because, i had been told several times over the years when i wanted to make additional payments that i could not. She said that she would put in a ticket, but they probably would not approve to switch the payments back to the regular amount. I need to see how my payments have been applied over the years with the running balance. Their website does not offer that. I need to see the running balance showing the principle / interest amount and the balance after each payment from the beginning of the consolidation. Yesterday XX/XX/20 i did a payoff so now my balance is XXXX. I wonder if they are going to allow that?
Consumer complaint received 2020-03-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of America Ltd. (PA)

I wrote to Collection Bureau Ame on XX/XX/2020 regarding account # : Unknown for the amount of {$390.00}. COLLECTION BUREAU OF AMEXXXX XXXX has not responded to me at all. I is now over 30 days and they also have not sent me proper validation despite my formal request. I have attached the copy of my letter to them.
Consumer complaint received 2021-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve.The XXXX Credit Bureau is reporting inaccurate information on ACIMA CREDIT XXXX XXXX ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2020-04-09
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$120.00}, {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXXenclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNTS -- 1. N/A with ACCT # XXXX opened on XX/XX/XXXX with a limit of {$120.00} -This is not my account. 

2. N/A with ACCT # XXXX opened on XX/XX/XXXX with a limit of {$11000.00} -This is not my account.
Consumer complaint received 2020-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (MS)

On Sunday, XX/XX/XXXX, I received a text alert that a transaction of {$50.00} had just occurred on my debit card without my approval. I checked my account and saw that a {$50.00} XXXX  gift card was purchased online using my account and was sent to someone ( recipient of the gift card was listed as e ). My XXXX  account had been hacked. ( I have not given anyone my email address, password, or access to my XXXX  account ) .A few minutes after I discovered this, I called Regions bank to file a dispute. I called today, XX/XX/XXXX, and they deemed the charge to not be fraud.
Consumer complaint received 2020-03-29
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. (GA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have tried to have this fraudulent data blocked from my credit report through Transunion. 

XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$24000.00} XXXX  XXXX XXXX  {$770.00} XXXX XXXX XXXX {$2200.00}
Consumer complaint received 2020-03-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

On XX/XX/2020, Specialized Loan Servicing ( SLS ) assured us verbally and in writing that they would flag our records, so that SLS would suspend the foreclosure process. We were assigned a Relationship Manager that continued to tell us that they would work with us " until all available mortgage relief options have been exhausted. '' We have remained in close contact with SLS since that date. On XX/XX/XXXX andXX/XX/2020, we received the amounts for payoff and reinstatement from SLS.respectively. 
Since that time, we have actively pursued any/all options to address this 2nd mortgage with SLS, again, keeping them informed of our activities pursuing lenders to either payoff the 2nd, or completely refinance the 1st and 2nd. We successfully found a lender to work with us at the  beginning of XXXX and informed SLS of who the broker and lender was to reflect our ongoing efforts. Again, SLS assured us that they would work with us and to not worry about them continuing with the foreclosure process. 

On the exact same date ( XX/XX/2020 ) that our title company requested payoff information from SLS, they initiated the paperwork to record the notice of default ( recorded on XX/XX/XXXX ). This has now completely suspended work on our already approved loan. Our appraisal has been completed, we have a certificate of loan approval from the lender, and were 10 days from closing our loan. SLS chose to file the Notice of Default knowing that we were pursuing this loan, and although we have been transparent with our communications to them, they have acted maliciously near the end of our loan closing to hamper our ability to obtain our funding. 

We have requested SLS to remove the Notice of Default long enough for us to close our loan, but they refused. We are requesting CFPB to assist us with SLS as it appears that they will continue to take advantage of us as we attempt to end our mortgage with them. 

We want SLS to remove the NOD for 30-60 days, so that we may complete our loan. Please note that our original loan in XXXX was {$25000.00}, reinstatement amount is {$35000.00} as ofXX/XX/2020, and the payoff amount is {$56000.00} as of XX/XX/XXXX. We question the payoff amount being over {$21000.00} over the reinstatement amount as well. Thank you for your support and consideration.