davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (OR)

On XX/XX/2021, someone opened up a checking and savings account at my bank, in my name. They had my social security number, birth date, and name. Both accounts were then tied to my existing accounts, which would have allowed the thief to transfer funds, drain my accounts, then close their accounts, and steal my money. 
Thankfully, I was alerted to the issue on XX/XX/2021, by my credit and personal monitoring protection company, and I called the bank to discuss the issue. A complaint was started, then it went to an Online ID Theft team. The 2 fraudulent accounts were frozen. I am awaiting their investigation conclusion. They did tell me that this happens all the time, and there is really no way to stop it, when anyone can open an account online, without proof of ID. Also, they did not require the thief 's have any money in the accounts at the time of opening them. I the meantime, I am forwarding this information to you. 

All banking institutions should not allow accounts to be opened without having to show ID. And why don't you need a minimum amount to open an account. I had to have a minimum amount to open my accounts in person. This kind of theft is happening all the time, and can not be stopped when banking institutions allow for this kind of behavior. 

I have been the target of numerous pay day loan schemes also, so my information must be circulating on the dark web. I am not sure what to do, and how to stop all this. I have been told to file a police report once I get the investigation letter, then freeze my credit for 7 years.
Consumer complaint received 2023-03-09
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. (CA)

I had filed a dispute with Transunion, LLC, regarding an inaccurate item on my credit report. The results of the dispute ( attached ) were that the item was verified as accurate by Transunion, LLC. However, I have attached evidence which shows that the original amount of the debt was not accurate, as stated by the original creditor XXXX XXXX XXXX XXXX XXXX XXXX The original creditor has acknowledged that the original amount was not accurate and provided a corrected amount via email as per the attached correspondence. The original creditor has attempted to resolve the item by contacting the XXXX XXXX, XXXX and the collections agency has placed the item " under review '' for several weeks ( over 30 days ), but they have failed to correct the item on my credit report. Based upon the email correspondence from the original creditor, the correct amount of the debt was different from the amount reported by the XXXX XXXX XXXX to the credit bureau, Transunion. However, since the debt was sold to XXXX, the original creditor was unable to resolve the issue within a reasonable time frame ( over 30 days ) and Transunion apparently did not investigate the inaccuracy with the original creditor following my dispute.
Consumer complaint received 2021-02-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the Federal Trade Commission and Better Business Bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP, I will not wait another 47 days to receive no response because clearly Im being ignored. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. Section 611 ( a ), plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been 47 days so they should be deleted promptly.
Consumer complaint received 2021-06-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc. (GA)

Medical Data Systems ( XXXX ) has created frequent and damaging reports on my credit report. While I admit that these charges are valid they have made frequent derogatory accounts on my credit report which has severely damaged my credit. 
The first derogatory report was on XX/XX/2021 for {$3800.00}. 
The second derogatory report was on XX/XX/2021 for {$8500.00}. 
The third derogatory report was on XX/XX/2021 for {$260.00}. 
The fourth derogatory report was on XX/XX/2021 for {$3500.00}. 
The fifth derogatory report was on XX/XX/2021 for {$220.00}. 
The sixth derogatory report was on XX/XX/2021 for {$540.00}. 
The seventh derogatory report was on XX/XX/2021 for {$3500.00}. 
The eighth derogatory report was on XX/XX/2021 for {$220.00}. 
The ninth derogatory report was on XX/XX/2021 for {$540.00}.
Consumer complaint received 2021-06-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: RFNA, LP (LA)

On XX/XX/2020 I recieved a letter in mail with a live check inside. Never heard of this scam before but they send a check in the middle of pandemic while people are jobless waiting on stimulus checks in you mail. If you cash it, you automatically agree to terms which is 43.97 % APR, {$450.00} fin. Charge, plus other fees and charges. I cashed it. Desperate, out of work, no money comming in and its the worst thing I could have done. I tell them its unfair because its predatory, sent to anyone without discrimination or a check into if they have enough income or a job to pay it off or a XXXX like XXXX or cant read or write, they don't care. 

All you need is that check, sign the back, go to a bank and cash it. One or two forms of I.D . this can easily be manipulated. My wife or son could have cashed this but I'm just talking in hypothesis I own up to it so I was trying to work with them but as soon as I went 2.7 months back, they sued me. This is republic finance LLC. Of XXXX, LA and my court appearance is tommorrow at CITY COURT OF XXXX state of louisiana ( XXXX ). I blocked their numbers after horrific and intense calls 6 days a week 5-6x day. I partily lost a job of 2 weeks bricklaying because of these calls. When I was served papers saying im being sued, my wife called them and offered to catch up the 3 months and get back in good standing with her credit card for {$400.00} but the lady ( XXXX ) was so rude and insulting basically talking to us like we are children and we have to do what's on the subpoena which says go to court or pay {$1600.00} in full or be sued. 

I sent money orders to their office of {$120.00}, {$30.00}, and {$30.00} just so I don't go to jail but they send me no bill or invoice or payment stub in the mail. They are basically acting like they want the judgement against me. Only gave me 10 days to get to court for an answer when 20-30days is the norm. I've seen a white chevy XXXX parked in the next street taking pictures of my property 2x already. When they see me exit my house they leave. 

The supoena also says that since they are sueinf me they are tacking on an additional 16 % APR, 18 % maturity, court, their lawyer and process fees all on me. A {$1400.00} loan supposed to be {$120.00} a month, I only cashed in {$980.00} and now it looks like if things don't go my way I'll be paying almost {$3400.00} to {$5000.00}. I called them and offer to pay {$30.00} a month because ive been without a job all year because of the pandemic and I just won my UE. They don't exceot the payment so i have to send a money order to their office not knowing if I'm wasting my money. 

I'll see what happens at court tommorrow. They have an attorney but I am loan wolfing it. I studied the laws a bit and wrote down key talking points, they while not bully me or intimidate me. Thanks XXXX XXXX XXXX XXXX : XXXX XXXX
Consumer complaint received 2023-03-31
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. (GA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX : {$11000.00}
Consumer complaint received 2023-03-31
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft. I have filed identity theft and police reports. I have also contacted all 3 consumer reporting agencies. It is almost 90 days the accounts are still on my report, and I have not received any correspondence from the consumer reporting agencies. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with MAXIMUM accuracy. I have never opened any of these accounts. Please investigate and provide proof. If proof can't be provided I demand these accounts be removed from my credit report. Thanks.
Consumer complaint received 2024-04-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PLANET HOME LENDING, LLC (GA)

I called in to Planet Home Mortgage on XX/XX/XXXX to auto-draft or schedule a payment yo draft on XX/XX/XXXX. this was done over the phone with a representative. She read me a disclosure and then I received an email from Planet Home on XX/XX/XXXX advising that my payment ( scheduled for XX/XX/XXXX ) was drafted and received. I called the mortgage company and they were able to pull the call and confessed to their error of prematurely drafting my payment resulting in an overdraft to my account. I contacted my bank and had the payment reversed. I called Planet Home about 5 times requesting a document for the error and was told they could not send such a letter. This has impacted my banking relationship and should be considered illegal. On XX/XX/XXXX, they re-tried the payment ( again that was not supposed to come out until XX/XX/XXXX ) and I called the company and was told since its ACH there is nothing they can do. They have yet to send my letter or resolve and now Im afraid the payment will be re-tried for a XXXX or XXXX time. This has not yet been resolved.
Consumer complaint received 2021-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The big 3 ( XXXX, XXXX, and transunion ) has not performed independent investigations. I sent letters and notified ( XXXX, XXXX, and Transunion ) that there are inaccurate accounts reported. I also provided the exact reasons directly from my credit report that clearly and concisely details why theyre inaccurate. I asked them to Please independently re-investigate these items. I also requested how these ( items ) were verified as accurate, when my credit report supports my claim and disproves the credit bureaus. Still to this day No proof that they performed an independent investigation please have them delete
Consumer complaint received 2021-02-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

Loan Number : XXXX Servicer Name : Select Portfolio Servicing Inc. 

On XX/XX/21 I, XXXX XXXX received a letter from Select Portfolio Servicing Inc. ( SPS ). In that letter SPS mentioned that its removing me from forbearance status due to a payment it received from State of Illinois Emergency Mortgage Assistance ( EMA ) behalf me. I called SPS many times snd mentioned that I am still unemployed and put me back in forbearance status but its is refusing to do so. 

SPS saying that I dont qualify for anymore forbearance and only option I have is to sell the property. I told the bank I dont want to sell my property and I just need forbearance for little bit longer. I also mentioned to SPS that under CARES Act I qualify for 12 months of relief but it is saying I dont qualify for that program. I am kindly requesting CFPB to reach out to SPS and find out why I dont qualify for full 12 months of forbearance. Thank you and I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (KY)

THE FOLLOWING INQUIRIES ARE INQUIRIES THAT I DID NOT AUTHORIZE. THESE INQUIRIES HAVE IMPACTED MY CREDIT SCORE AND IN THE PAST YEAR I HAVE WORKED VERY HARD TO GET MY SCORE WHERE IT IS AT. 

UNAUTHORIZED CREDIT INQUIRIES : XXXX XXXX XXXX XX/XX/2021XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/2021 ( I ALREADY HAVE A XXXX XXXX CARD ) - XXXX-XX/XX/2021 ( I APPLIED AND WAS APPROVED FOR XXXX ONXX/XX/2021 BUT THERE ARE 2 INQUIRIES ONE FOR XX/XX/XXXX WHICH WAS AUTHORIZED AND ONE ONXX/XX/2021 WHICH WAS NOT AUTHORIZED ) - XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/20212021
Consumer complaint received 2021-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

I accrued an interest charge of {$32.00} for the late payment of my XX/XX/2021 Bill. This Fee was posted on my XXXX Bill. I paid the XXXX Bill in full by the due date of XXXX XXXX. 
A new interest charge of {$32.00} then appeared on my XX/XX/2021 XXXX. 

The explanation given by the credit card co was that since the interest accrued for the XXXX bill was not paid immediately, it accrued for another month. The fine print on the back of the bill allows this " right ''. I am not disputing this " right ''. Rather I am disputing that nowhere in the XXXX or XXXX bill does it state CLEARLY that the interest charge is to be paid immediately or it accrues for a second month. 

This is a deceptive practice that allows the credit card co to charge interest for 2 months which the consumer could easily avoid with advance notice of such a practice. The fine print is not a clearly stated policy. The front of the bill just states that he total amount is due by X date.
Consumer complaint received 2024-04-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (FL)

XXXX ( TrueAccord ) XXXX XXXX, 2024, XXXX XXXX XXXX XXXX XXXX Thank you for your email. We are TrueAccord, a third party collections agency. We're collecting on an outstanding balance of {$720.00}, originally owed to XXXX XXXX XXXX for a CREDIT CARD. This Balance Has Been Purchased by XXXX XXXX XXXX and came to our office on XX/XX/2024 I told them via email that i never had owned this credit card, nobody from XXXX ever contacted me, therefore i will not pay this debt. I called the number they provided during business hour ; nobody answered. 

this debt was never on my credit reports from all XXXX companies, i have a score of nearly XXXX on XXXX report,
Consumer complaint received 2021-06-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

The purpose of this complaint is to inform you that these companies I am complaining about ignored my requests. I sent a letter requesting them to validate accounts on my report that does not belong to me. Within that request there was a debt validation form that they needed to fill out. Until this date I have not received any correspondence from these companies. At this point these companies are in violation of the Fair Credit Reporting Act Section 611 ( a ). Based off of the aforementioned act and section, they must remove the provided accounts if they do not complete a thorough investigation and respond to me within 30 days. Again I would like you to know that it has been over 50 days and still no response from these companies. This situation is stressing me out and I am looking to start litigation against these companies if they continue to ignore me. If it helps, my information was affected by the Equifax data breach.
Consumer complaint received 2021-03-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

For the first time I ordered XXXX credit report XX/XX/XXXX I found in my XXXX credit report # XXXX dated XX/XX/XXXX XXXX cards under Capital One Card I tracked five of them ended with last four numbers XXXX, and XXXX I was confused I dont know which one is mine and which is not I found out that Capital One sell cards to another Capital One and both the seller and the buyer claim the debit the cards ended with XXXX or XXXX took me to court it was ended with judgement of dismissal Docket # XXXX copy attached because they did not proof my possession of the cards. Through the credit card report I found two cards opened on XXXX  XXXX, XXXX, two cards opened on XX/XX/XXXX, one card opened XXXX XXXX, XXXX, one card opened XX/XX/XXXX and one card opened XX/XX/XXXX. 
On XX/XX/XXXX I received a letter from Capital One XXXX XXXX XXXX, UT XXXX talking about charge off account in less 30 days if no payment I ignored the letter because it was not my last name ( document # 28 ). On XX/XX/XXXX ( document 27 ), On XX/XX/XXXX ( document 26 ) and XX/XX/XXXX ( document 25 ) letters received from collection agency XXXX XXXX I respond to the last letter disputing the ownership of the card ending XXXX ( document 24 ) I called in Capital One to dispute the ownership and claim a fraud on XXXX, XXXX I received a letter saying no signs of fraud. On XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX I received those letters from collection agency XXXX XXXX I kept calling Capital One with no results I noticed that they are trying to collect information from me to add to their records ( document 18, 17, 16 and 15 ) XXXX XXXX collection agency sell the debit to XXXX XXXX XXXX XXXX collection agency ( document 14 ) I disputed the ownership of the card in my respond letter ( document 13 ) then I received a letter from XXXX XXXX XXXX ( document 12 ), XXXX XXXX XXXX ( Document 10 ), XXXX XXXX , XXXX ( Document 8 ), XXXX XXXX XXXX ( document 7 ) and returned back to XXXX XXXX XXXX ( documents 5, 4, and 2 ) I disputed all ownership but XXXX XXXX XXXX were very aggressive they reported the debit as delinquency account to all credit agencies. 
Please find attached all documents proofs that the last name on the card ending XXXX is not my last name in MASS ID, Passport and SS Card.
Consumer complaint received 2024-03-21
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. (PA)

in accordance with the fair credit reporting act XXXX XXXX account # XXXX has violated my rights. XXXX XXXX XXXXXXXX account # XXXX has violated my rights as well. 

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 2021-06-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (FL)

TD Bank refused to refund fraudulent payments on my checking account, so I stopped using them. Now, they're still taking monthly fees, and rather than closing the account, they're taking the fees out of my mother 's account, somehow. She was removed from the account many years ago.
Consumer complaint received 2021-02-14
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 — Was not notified of investigation status or results
Company: United PanAm Financial Corp. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.