davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-01
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. (NJ)

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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.

These inaccuracies are preventing me from buying a new home.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (CA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-12-30
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. (DE)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2022-12-30
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. (NJ)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've recently disputed about this XXXX  credit on all three of my credit reports XXXX, Transunion and XXXX  on XX/XX/2020 XX/XX/2020 and XX/XX/2020. I haven't received any accurate proof about this account on my XXXX  and and XXXX  account. The amount owed is {$1100.00} but has not been verified on my XXXX  XXXX  or Transunion accounts.
Consumer complaint received 2020-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CO)

Received a Bill from Convergent on XX/XX/2020, referring to an account number that is not mine and saying I owed our local electric company {$260.00}. This is not my debt and I want it cleared in order to restore my credit rating.
Consumer complaint received 2024-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity National Information Services, Inc. (FNIS) (AZ)

A check was written to my landscape company, XXXX XXXX, via billpay for {$300.00}. It was stolen and cashed at XXXX XXXX XXXX. The payee was not who cashed the check. This was XX/XX/XXXX My bank, XXXX bank was contacted, it was investigated, and I received a letter from their without entry department resolving the claim on XX/XX/XXXX. 

I then received a collection letter from XXXX XXXX XXXX XXXX dated XX/XX/XXXX and received via mail XX/XX/XXXX. The collection said I bounced a check to XXXX XXXX. I sent, in writing, the facts and documentation that I did not bounce a check to XXXX XXXX  and provided my bank letter and the copy of the canceled check endorsed by someone other than the payee. I asked for, in writing, verification this was resolved. 

XX/XX/XXXX XXXX XXXX XXXX XXXX again sent a letter attempting to collect the same " debt ''. Again, I replied in writing. 

Today, XX/XX/XXXX it appears that they sold the collection to XXXX XXXX XXXX who sent me a collection notice today, with an increased amount of {$320.00}. 

I have contacted XXXX multiple times and have had no assistance. They asked me at which XXXX XXXX location the check was cashed. I provided the canceled check. No reply.
Consumer complaint received 2021-04-20
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)

I recently went through a divorce and I recently pulled my credit report through a website called XXXX. I saw a handful of accounts on my credit report without my knowledge. I am a victim of identity theft. I contacted transunion, XXXX and XXXX  regarding these accounts and I was told to get an FTC report. I have also called these companies where the fraud happen and they could not verify my information. I have attached the FTC report below along with my driver 's license.
Consumer complaint received 2020-03-17
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. (IA)

To Whom It May Concern Please, may I request your help? This situation is a very serious matter involving fraudulent activity appearing on my personal credit report. A company named : XXXX XXXX XXXX, XXXX. XXXX  XXXX XXXX XXXX, TEXAS XXXX Has stolen my identity, involving an automobile lease, dated XX/XX/2015 resulting in a {$49000.00} loan. that resulted to date, in " 36 '' charge-offs reported to all three credit bureaus, with a balance of {$27000.00} left abandoned. I very rarely ever see my credit report and it was not until I tried to a purchase large cost item ; that I was shown over " 40 '' inquiries listed on my credit, along with this organization, named XXXX XXXX XXXX. I immediately filed a local police report along with filling a dispute with the three major credit companies along with attempting to make contact with XXXX XXXX XXXX. I sent an affidavit that was notarized to the company and they have never responded. My dispute was denied, as they claim that I am the lessor. This situation is clearly fraudulent and has destroyed my personal credit. I feel that I have been taken severe advantage of. I am a senior citizen and I live very simply. Most sincerely ~
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PENTAGON FEDERAL CREDIT UNION (TX)

On XX/XX/XXXX, I attempted via chat to have close my XXXX  credit card. The only charge on my account was only the annual fee for the *subsequent* card year. The charge description of the annual fee even states " ANNUAL CHARGE XX/XX/XXXX THROUGH XX/XX/XXXX ''. The date of XX/XX/XXXX has yet to occur. Despite this, Penfed states that they won't close the card until the annual fee for next year is paid. They say they will not reverse the annual fee even though I intend to close the card.
Consumer complaint received 2021-06-16
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: Bread Financial Holdings, Inc. (FL)

VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX  AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
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. (FL)

To whom it may concern : I've been trying to remove accounts from my credit report that do not belong to me, how ever I have been unsuccessful once again I'd like to request these fraudulent accounts must be removed from my credit report immediately, they have created great harm in my ability to obtain credit.
Consumer complaint received 2020-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX, a parent XXXX XXXX wrote me an email asking me to XXXX  his daughter XXXX. He got my contacts from my universitys XXXX Department website, so I thought it was valid. He mentioned that he was abroad, so he preferred to send me a check to pay the XXXX  fees. 

On XX/XX/XXXX, I received a check of XXXX dollars in my mailbox and he asked me to deposit the money in my Bank of America account as soon as possible and send XXXX dollars to his cousins account via XXXX. I decided not to continue the XXXX and asked about ways of returning all the money ( XXXX dollars ) in the check, XXXX instructed me to send XXXX dollars in total to his cousins account. But later, I found out that it is a check scam and there is a returned item chargeback ( XXXX dollars ) on my account. I suspected that XXXX stole others information and falsified a check. Therefore, I lost XXXX dollars.
Consumer complaint received 2024-04-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I found a person named " XXXX XXXX '' on a XXXX group for subletting in LA. I wanted to rent a place for the duration of my XXXX. A fake company pretending to be XXXX XXXX emailed me from the email id : " XXXX '' with a finalized lease and the payment information. I did a XXXX transfer to the person they claimed was the owner of the place : XXXX XXXX. The email ID for that XXXX was : XXXX. Later, they started asking for more money which is when I realized that this is a scam. 
The phone number that was texting me is : XXXX XXXX and another email ID I received for the owner is XXXX. I also received a picture of the owner 's DL but I suspect it is a fake. The details are : XXXX. XXXX : XX/XX/1991. Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX.
Consumer complaint received 2020-03-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Recovery Services, Inc. (TX)

Southwest Collections is attempting to collect a debt that is not valid, the contract was violated by the vendor for services that were not rendered in full outlined in the contract. I discussed this with my Attorney and credit card company and showed them proof of what exact services were and were not rendered. I was advised to dispute the amount of what was not completed with the vendor and with no luck ended up disputing a portion of the entire amount paid with my cc company and won. This is when Southwest Collections decided to get involved and since then, they have violated numerous provisions of both the Fair Debt Collection Practices Act and the Texas Debt Collection Act in which my attorney has already notified them of. On XX/XX/2019 XXXX XXXX sent myself and my fiance ( who has nothing to do with this debt ) an email threatening that XXXXXXXX XXXXXXXX not fulfilling their contract and myself being awarded back fees paid for a service not rendered " could be construed as theft of services '' and said the client can look at other avenues which can " be done in a civil or criminal proceeding ''. On XX/XX/2019 I was emailed by XXXX XXXX then threatening further pursit against my D-U-N-S Number : XXXX, he then proceeded to send me copies of the not-signed agreements with XXXX XXXX which also show Southwest recovery everything XXXX XXXX was supposed to provide as a marketing service, in which they only rendered 1/3rd of the services. This was also a business contract with no personal guarantee stated anywhere within the contract, and yet this is on my personal credit report. I am attaching copies of the contracts and email communications with southwest recovery and my attorney as documentation.
Consumer complaint received 2020-03-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (PA)

My mother past away in XXXX of 2018. I have inherited the property. I have been living in the property for years. I have recently been struggling to make the monthly payments. I would like to assume the mortgage and possibly refinance the loan. PNC Mortgage refuses to speak with either myself or my sister regarding the mortgage. ( My sister had POA previous to my mother 's passing. ) The loan is currently in the name of my mother 's estate, but no estate was ever opened, no executor named. Still, the bank will not discuss the loan options with us.
Consumer complaint received 2020-03-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (FL)

On XX/XX/XXXX, we requested information about the balance we owed to Shellpoint Mortgage in order to try and make payments toward the principal only. We received the attached reply on XX/XX/XXXX showing a principle due of {$170000.00} plus the deferred principle of {$160000.00}. It appears that the deferred principal reduction amount of {$110000.00} has been included as a result of several late payments we made due to an unexpected and unavoidable medical situation involving XXXX XXXX that resulted in loss of employment to him for a period of time and additional expenses that forced us to miss several payments. 

These were all made whole and our loan is now current and has been current. We were not aware of the penalty that would be imposed as a result of missed payments and we never received any notice prior to the first, second or third anniversary of XX/XX/XXXX. We were unable due to serious unforeseen circumstances to make several payments but we would have found family to assist if we were aware or made aware of the severe penalty. We are asking ( begging ) for forgiveness of the penalty and reinstatement of the original terms as we are now aware, regardless of our own personal circumstances we are and will continue to make all payments current as required pursuant to the original documents. 

As we wrote above, the only reason for our untimely payments were significant and unforeseen circumstances. Had we been aware of the penalty we wouldve found other alternatives and borrowed from family or friends to try to avoid this serious penalty. If this penalty remains in place, it will result in the loss of our family home and prevent us from any financial security. Were therefore requesting your sincere and best efforts to assist us in having our original terms reinstated. Seems predatory.
Consumer complaint received 2022-12-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (MI)

In XXXX of 2022 my loan was sold to a company called " The Money Source '' by XXXX XXXX. I requested to have PMI removed from my account from XXXX XXXX  prior to this transfer, which occurred without my knowledge or approval, and The Money Source did not have information regarding my request and when they indicated they would start a new request in XXXX. I then called again on XX/XX/2022 only to be informed they did not complete the request completely and did not send the appropriate letter to me so I could then request an appraisal. I was informed on XX/XX/XXXX this would be remedied and I should watch for a letter. 

It is now XX/XX/XXXX, and I spoke with The Money Source today, who indicated they had NOT sent the letter yet again. I was on hold for over 60 minutes and spend over 60 minutes in each of these phone calls, I spoke to a supervisor who indicated they would " escalate '' my concern but they would not be able to guarantee any response in a timely manner.
Consumer complaint received 2024-04-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: DISCOVER BANK (MI)

I was served by the XXXX XXXX XXXX to respond to an attempt to collect a debt on XX/XX/XXXX. The alleged debt amount is {$7300.00}. My partner XXXX XXXX XXXX  into the world XXXX, XXXX. And the delivery caused massive complications. I was stricken from working full time having to be home more where i was needed most. In that time i was also able to learn and educate myself on my XXXX given rights as an American and my consumer protection laws. I have since learned that i have been violated and deceptive practices have been done to me causing even more stress and harm to my family and I. I was given 21 days to respond to the courts. My response date was XX/XX/XXXX. I denied all alleged allegations against me and have since been given a pretrial date. I have made several attempts requesting documentations to disclose accounting information that. I am entitled to and have not received. All which was done in a timely manner before responding to the courts. Ive sent a email attempting to gain information from the debt collectors who have gained my information illegally. I never gave any written consent to anyone in the company to share information. Nor have i given any forms of consent to distribute my personal information. I have been a victim of identity theft. They still wishing to proceed with a case against me is casing more unnecessary stress than i can almost bare. I also sent 3 notices by certified mail demanding my personal accounting information and have not even been responded to. I am well aware that the securities generated on that account come from my social securities and my signature. Also US Codes give clear instruction on what to do with an account with a balance in excess ( 12 CFR 1026.21 ). They did not perform those duties. I will enclose all of the notices and screen shot of emails sent. And all other documents Ive received from the courts.
Consumer complaint received 2022-03-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

My tax return was suppose to be direct deposited and so I made a couple of payments on my Kohls card but they were returned, then Kohls did not even reach out to me I have checked my voice messages and email and instead put a freeze on my card. I noticed all today and called customer service immediately to tell them what happened and let them know I am work a lot of OT at XXXX XXXX XXXX IL XXXX and would be paying the card off in full starting on XX/XX/XXXX and then twice monthly. The girl then transferred me and then some guy answered and made me go through the entire explanation AGAIN and he then said they had put a freeze on the card balance is about {$2200.00} and he said I had to pay over half of it by XX/XX/10 or they would shut the card down!! I told him I need more time and asked for the corporate number and that I will shut it down myself based on how they have treated me after my being with them over two years and spending do much and always paying on time!! He said he could not give me the corporate number so I told him I would contact them through your office!!! I looked online and none of the corporate numbers work!! They have horrible reviews many having some of the same issues I am, plus billing errors, coupon errors, junk products, return issues, missing refunds, etc. XXXX also gave me a negative remark on my credit reports trying to ruin my credit as they have others!! I need two months to pay off my balance then I want the card closed at my request due to the way I was treated and will never do business with them again and tell all I know to do the same and I know a lot of people have worked in government and investment banking most of my career!! It is no wonder they are ready to go under as the news and XXXX report!!
Consumer complaint received 2021-12-16
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. (FL)

This is the second time I have filed this complaint. I filed a complaint # XXXX. Nothing came from that complaint. XXXX XXXX responded acknowledging their attorney received my payment and as soon as it was posted they would update my credit report. They advised the process took up to 90 days. My payment was made on XX/XX/2021, which was 157 days ago. XXXX XXXX never reported to the three credit reporting agencies that my payment was made in accordance with the court mediated agreement that was made. I filed a dispute with all three agencies : XXXX, XXXX and Transunion. The results of my disputes were that XXXX XXXX RENEWED the debt on my credit causing my scores to crash up to almost XXXX points causing one of my closed and paid off lines of credit to close. I was denied a new line of credit and denied a home mortgage. I fulfilled the court mediated agreement while XXXX XXXX defaulted on it which has now cause great financial hardship on me. The three credit bureaus were provided all documents from the court, my receipt of payment along with XXXX XXXX  written admission of acknowledgement that their attorney was in possession of my payment and neither of the agencies would correct the error, again resulting in great financial hardship on me.