davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (CA)

On XX/XX/2020, while shopping in XXXX at XXXX XXXX XXXX XXXX in XXXX, CA XXXX, my wallet was stolen sometime between XXXX XXXX and XXXX XXXX. When I discovered my wallet missing, I immediately went home and called my bank and all credit cards. Several credit cards were stolen. I am contacting you about an REI card issued by US Bank. REI stolen card was used XX/XX/2020 at XXXX # XXXX in XXXX XXXX, CA to purchase {$850.00} in gift cards. I made a Police Report to XXXX XXXX Police XXXX XXXX XXXX. XXXX, CA XXXX, phone XXXX. I spoke to Officer XXXX XXXX. His email is XXXX. My case number is XXXX. 

Im contacting you because US Bank Fraud Prevention has denied my claim. They are at Cardmember Services Fraud Prevention.  XXXX   XXXX XXXX. XXXX, ND XXXX. Their phone is XXXX. Their fax is XXXX. My claim number is XXXX.
Consumer complaint received 2020-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$13000.00} XXXX XXXX {$440.00} XXXX XXXX {$1400.00} XXXX XXXX {$10000.00} XXXX XXXX XXXX {$440.00} XXXX XXXX {$310.00} XXXX {$1300.00} XXXX XXXX {$130.00} XXXX  XXXX {$470.00}
Consumer complaint received 2020-08-15
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: CarMax, Inc. (CA)

Carmax is conducting abusive business practice by putting false information on all three of my credit report. Carmax is not taking the time to fix. For example the amount past due is for {$6500.00} when there is a last actual payment amount of {$7100.00}. Also, their math is incorrect. My monthly payments were {$400.00}. For example on the 13th month, they claimed that the balance owed was {$5400.00}, but the correct math for the alleged debt is {$5200.00}. They are also changing the dates so it shows that I have been late within the sixty days.
Consumer complaint received 2018-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

Paid off several credit cards and only have a balance of {$6.00} on another one.

Also, the card with a balance of {$6.00} increased my limit which I haven't used.

XXXX XXXX is paid-off, XXXX   XXXX XXXX is paid-off.

XXXX XXXX Balance {$6.00}, and one item was deleted after which XXXX  dropped my credit score by 43 points, my score was XXXX and should have gone up to XXXX   instead went the other way. XXXX XXXX has been paid off and should be deleted on my report since XX/XX/XXXX, XXXX XXXX should be removed on my report since XX/XX/XXXX and closed, XXXX XXXX   was transferred on XX/XX/XXXX Needs removing. XXXX should be removed from the report since XX/XX/XXXX.

All three XXXX XXXX loans were purchased by another lender should be removed.

XXXX XXXX XXXX was sent a letter asking for validation, they removed But added it back, they didn't validate this debt within the 45-days under the FDCPA, therefore, it should be deleted for good.
Consumer complaint received 2020-08-16
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: Convergent Resources, Inc. (TN)

On XX/XX/2020, Convergent Outsourcing Inc ( COI ) added an account of {$770.00} to my XXXX   and XXXX reports from the original creditor XXXX. This is an old account that has been disputed, deleted, and now reinserted back onto my reports this year. Based on FCRA, its unlawful for them to add old accounts back without any notification within 5 days and i received no notification. I have disputed this account again with the creditor and the credit reporting agencies to validate this information and no response have been provided. Due to that fact, this negative information can not be reported back onto my reports and need to be removed based on reinsertion rules in the FCRA.
Consumer complaint received 2015-07-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC (CA)

I used to have a pre-paid XXXX account, consisting of top up cards. There was never actual XXXX in contact with me. The claims of my current balance with there collection agency are false.
Consumer complaint received 2017-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Velocity Portfolio Group (PA)

This is a continuation of a resolved issue. I have recently resolved an issue with  Velocity I nvestments, they closed a case against me that should not have been brought in the first place. They issued a judgment against me. As they have closed the case and have sent a dispute letter acknowledging the closure of this case, I would like them to issue a Praecipe of Satisfaction to remove this from my credit report. Because of them I have had this on my credit report for more than 10 years. I have been in contact with a company representative who stated that he would in fact help get this document produced by the attorney and have it submitted to the  Prothonotary, how ever it has been almost a month and this has not happened. Thus, this continues to be reported in error against me.
Consumer complaint received 2020-08-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was unaware of this debt and did not have the opportunity to dispute it. Never received and notification of debt. Please remove ASAP and I'm not familiar with these accounts : XXXX XXXX XXXX XXXX # XXXX # XXXX XXXX XXXX XXXX # XXXX # XXXX
Consumer complaint received 2020-08-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (FL)

Considering the current economic situation, I would assume XXXX XXXX XXXX ( Collection agent for Wells Fargo ) would want to Settle my debt ( which they have a judgment for ) as most consumers are experiencing significant financial hardship. This law firm fails to issue a written decline in a timely manner, but rather communicates verbally months later after numerous follow ups to avoid a paper trail. They take an excessive time to respond to requests, which is harmful to consumers who wish to clear up credit. They are fairly disorganized and state inaccurate facts, such as pursuing collection on  unenforceable wage garnishment. I dont feel this creditor is being fair and forthcoming in their dealings, but rather discrimatory and predatory, since they feel they believe they can collect via wage garnishment of {$900.00} per biweekly pay period. 

XX/XX/XXXX-XX/XX/XXXXXXXX submitted a wage garnishment to my employer to begin deducting 25 % of my disposable earnings, beginning with the XX/XX/XXXX payday. 

XXXX-I submitted a Florida head of household exemption, which invalidates this creditors request to garnish wages. 

XXXX-Attorney reaches out toXX/XX/XXXXXXXX to offer a settlement. 

XX/XX/XXXX-I calledXX/XX/XXXXXXXX and they didnt want to speak to me, as I have attorney representation XXXX 2 months later- XXXX XXXX XXXX declined offer of {$3000.00} & received a counter of {$9600.00} XXXXI drafted a hardship letter and submitted to XXXXXXXX XXXX XXXXXXXX XXXX-3 months later-XXXX XXXX XXXX  declined settlement of $ XXXX.They stated they have a garnishment order, therefore they are declining to settle for less than the Full amount owed. This is contradictory to their offer to settle for {$9600.00} on XX/XX/XXXX, which is harmful to a consumer, by asking for a higher amount than previously agreed to settle for less than full. 

XXXX My attorney submits a settlement of {$5000.00}. 

XXXX-I received a call from XXXXXXXX XXXX XXXXXXXX, which I missed. I called back and they advised they cant speak to me. I advised that my lawyer has been trying to get ahold of them for months to settle, and no one responds back to them. 

6 months later-XXXX XXXX XXXXXXXX declined the offer, but did not provide a rejection letter or any type of counter offer. They advised that the client ( Wells Fargo ) elected to continue to proceed with the wage garnishment. This makes NO sense and is inaccurate, as a Florida head of household exemption was submitted.
Consumer complaint received 2020-08-16
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 — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY (MA)

XX/XX/20 I applied for a personal line of credit from TD Bank XXXX XXXX XXXX, XXXX, Ma for $ XXXX. I have a $ XXXX personal line of credit which is paid off and I was going to close. I called XXXX at the branch on XX/XX/20 and he said my application was denied without a reason. I called XXXX at the Loan department and she gave the following reasons : 1. The Term was not requested ; 2. Insufficient Credit ( that I dont have previous unsecured loan ) ; 3. Have product already. 1. I explained to XXXX that the new employee taking my application did not ask me for a Term and XXXX said that I did not need a term for a PLOC ; 2.  I explained that I have relationship with the TD with a $ XXXX PLOC and that 3. I was planning on closing the $ XXXX PLOC. I asked what my credit score was and she said she could not see it but when I called XXXX back he said it was XXXX. XX/XX/20, I received the denial letter from TD and it states the following reason No Credit File/History and your credit score : XXXX. My current credit scores are : XXXX : XXXX ; XXXX : XXXX and XXXX  : XXXX. I do not understand and I feel that I am being discriminated against and I will be filing a discriminating claim with MCAD and Massachusetts Attorney Generals Office. Thank you.
Consumer complaint received 2023-07-25
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. (NV)

There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

Hello I have contacted the company XXXX XXXX and also credit inquires for over a year and was told by the supervisor and that the account will be removed and I was not in their system after verifying my social, and that they would contact the credit bureaus to remove this as soon as possible. Please remove this off my credit report as soon as possible and update. I have police reports and ftc
Consumer complaint received 2020-08-16
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)

Transunion and XXXX  are still reporting inquiries Ive disputed. They recently removed some but failed to remove one from XXXX XXXX on my Transunion report and XXXX XXXX XXXX  XXXX and XXXX from XXXX 

Also XXXX is showing a new collection account from XXXX that I have no knowledge of. 

XXXX is also reporting my balances on specific accounts incorrectly with XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. These accounts have not had balance increases and should reflect balance decreases as they do with the other credit bureaus such as Transunion and XXXX. XXXX continuously reports late information.
Consumer complaint received 2020-08-16
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: SYNCHRONY FINANCIAL (NC)

I noticed a collection account with Synchrony Bank on my XXXX   and XXXX XXXX credit reports on XX/XX/XXXX. Investigation indicated this was a XXXX XXXX charge account. I immediately filed a dispute. During a recent mortgage process, I was told the collection account remains on my XXXX XXXX report and is now showing on my XXXX report. I have filed another dispute with XXXX XXXX ( XX/XX/XXXX ) and an initial dispute with XXXX ( XX/XX/XXXX ). 

My credit report shows the account opened on XX/XX/XXXX with the first delinquent date as XX/XX/XXXX. The credit limit is reported as {$1200.00} with a charged-balance of {$380.00}. 

I have attempted several times to contact Synchrony Bank regarding this but have yet been able to speak to someone. Despite calling during their business hours as stated not their website, I am told to call back during normal business hours. Or, If I get placed in a call queue, I am disconnected. Certified letters will be mailed to Synchrony Bank on Monday, XX/XX/XXXX, to the two different mailing addresses I have been provided. 

My wife and I have excellent credit scores ( XXXX ), at least until this point. It is extremely frustrating that we continue to have to address this issue. And it is infuriating that we can not speak to someone about this! And even more so when an internet search indicates this is an on-going issue with Synchrony Bank and this XXXX XXXX  charge card. 

Equally frustrating is that we also have several other charge accounts held by Synchrony Bank, all of which have our current contact information and an excellent payment history, and not once has anyone attempted to contact me/us about this charged-off account.
Consumer complaint received 2020-08-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery Associates wrote me many years ago about a debt from XXXX  XXXX. The first time I verified they sent a bill. So I made arrangements to pay because I didn't know my rights at the time and I wanted it to be removed. I reneged on paying them because i thought do I really owe this debt? After years its still lingering on my report and now i did a little more research on how I have the right to validate the debt that they say I owe and the amount. I wrote them on XX/XX/2020 certified mail, requesting to validate the debt, its reporting on my report for {$1300.00}. Which the first letter I sent out XX/XX/2020 requested that. I notice that i received an email from XXXX that PRA flagged my account and on XXXX XXXX it showed that the account was removed from XXXX and XXXX. I called the bureaus XX/XX/2020 to confirm they said its still on my report. I called PRA XX/XX/2020 at XXXX XXXX I spoke Ms. XXXX XXXX she ask for my last four digits of my social to verify info, she said that they received my certified mail requesting validation and they sent out everything I requested. I recorded her, she told me that I owe XXXX, but on my report its reporting {$1300.00}. She was asking me, " how would you like to take care of this today ''? I told her I still didn't receive validation to make any arrangements. When i check the mail the next day I received a letter that said I can validate. They send me back correspondence dated XX/XX/2020 stating that they receive my correspondence and I have the right to write them and request substantiation.. Then I sent them another letter again on XX/XX/2020 to validate because at the time I did not receive what I asked for. A few days ago I received a letter from PRA with verification of a bill and their own summary. They didn't send me anything that I asked for. This is not validation.
Consumer complaint received 2023-03-17
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. (NJ)

Transunion have not been doing their job for correcting my credit report. 
I have this inaccurate negative account on my report saying that I owed {$7400.00} for Auto loan from XXXX. 

This account is inaccurate. XXXX and XXXX already deleted this account but Transunion have not updated my report. I need an urgent assistance on this. This keeps me stuck from getting my own car.
Consumer complaint received 2022-11-02
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BMO Bank, N.A. (IN)

Approved for a fha loan paid earnest money home inspection twice got approved went to underwriting one step before closing lender say they made a mistake they missed my schedule c which they seen it to say am approved than denied my loan closing date XX/XX/XXXX denied XX/XX/XXXX moved out my house due to they approval earnest money XXXX paid on XX/XX/XXXX home inspection {$330.00} XX/XX/XXXX and the first XXXX on XX/XX/XXXX
Consumer complaint received 2020-08-16
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: Experian Information Solutions Inc. (OH)

These account have no LAST DATE OF ACTIVITY and other errors. These are not my accounts. Please remove ASAP.

U S DEPT OF EDXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-16
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Paypal Holdings, Inc (CA)

As of XX/XX/2020, I been cheated on an item I sold through sopposebly PayPal, it was referred to XXXX I mistakingly thought they were saying truth, but they didnt they made me follow instructions on an email, thinking it was PayPal and asked me to buy a XXXX visa gift card of XXXX dlls, I did call XXXX card reporting number they gave me a case number which is XXXX. The person said his name was XXXX XXXX, then he said his name was XXXX, and XXXX he was eventually lying. please help me identify these scammers. They have this phone XXXX ( XXXX XXXX XXXX reach them they say there men but the owner of the phone is a woman ( XXXX )
Consumer complaint received 2020-08-16
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. (PA)

I paid in full for XXXX XXXX XXXX XXXX. But my Experian, XXXX  and XXXX  credit reports showing still as unpaid. 

I am attaching here A PAID IN FULL LETTER FROM XXXX XXXX XXXX XXXX. 

I lost my current job and i received vacate notice to my current apartment, i will be in trouble with my XXXX XXXX XXXX XXXX and XXXX XXXX XXXX kid, unless you react to my complaint ASAP. please take out that collection amount from my credit report based on the PAID IN FULL LETTER ATTACHED HERE. i am getting rental rejections based on my credit report collections.
Consumer complaint received 2020-08-16
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)

XX/XX/2020 my trans union credit report dropped 3 points for absolutely no reason at all. My credit is impeccable and should be going up not down. I believe the algorithms have bugs in the software. They have it rigged to drop your credit based on credit card usage, but do not take in to account all of my accounts are XXXX out at the end of the billing cycles. My mortgage, and car lease are steadily going down. My credit cards are always XXXX out without owing any outstanding balances. Mistakes like this cost consumers like myself money when it comes to renewing car insurance. This may be deliberate misbehavior to keep consumers like myself paying more money. I have had habitual problems with Trans union over the years for the same issues. When they make these mistakes it takes months to correct.
Consumer complaint received 2023-06-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Selene Holdings LLC (IL)

LETTER GIVING NOTICE OXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/23 XXXX, IL XXXX XXXX XXXX Selene Finance LP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : Invoice for Asset Rendered We hope this letter finds you well. We are writing to issue a bill for the asset provided to you by XXXX XXXX XXXXXXXX XXXX. Loan # XXXX XXXX. The details of the transaction are as follows : Itemized Charges : | Description | Quantity | Unit Price | Total Cost | Collateral Note | XXXX | {$87000.00} X XXXX {$870000.00} | Subtotal : {$870000.00} Ten % Reserve Charge : | Description | Amount | | Tax ( 10 % ) | {$870000.00} | Total Amount Due : {$780.00}, XXXX Payment Terms : The payment is due within 30 days from the date of this letter. Please make the payment via cashiers check or bank transfer to the following account : Bank Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Name : XXXX XXXX Routing Number : XXXX Account Number : XXXX If you have any questions or require further assistance, please do not hesitate to contact our customer service at ( XXXX ) or E-mail ( XXXX ). We are here to help. 

We appreciate your business and thank you for choosing XXXX XXXXXXXX XXXX. 
Sincerely, Signed XXXX XXXX  XXXX XXXX XXXX BY : ___________________________________________ XXXX, XXXX XXXX to XXXX XXXX