davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-01
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX messaged me on a website roomies.com offering to rent a room under the name of XXXX. She gave me a tour of the room on XX/XX/XXXX at XXXX and stated to me that in order to move in, it would cost me {$950.00} and {$200.00} for deposit. On XX/XX/XXXX I took out a money order of {$950.00} ( came out to {$950.00} for processing fee ) at Wells Fargo and wrote a check for {$200.00} for the deposit. I was given keys and I told her I was going to move in my stuff on XX/XX/XXXX. On XX/XX/XXXX, I arrived to drop off my stuff and move in, but no one was there. The key she gave me did not work and didn't open the door. I messaged her, called her. She did not reply. The calls went straight to voicemail. 

I got a bad feeling and have notified my financial institution. I later googled the name she told me to write the money order and check to : XXXX XXXX. A mugshot came up and it was her. She was arrested in XXXX in XXXX, NC for theft under false pretenses. 
XXXX XXXX XXXX  XXXX She lied And told me XXXX XXXX is the name of the landlord. XXXX XXXX went by XXXX. I reported her account to roomies.com and she was banned. 

I tried to work this out with Wells Fargo my financial institution. They were able to retrieve the XXXX from my personal check. Unfortunately they were unable to retrieve the {$950.00} on money order because it was not lost, stolen, and XXXX signed for it already. I would appreciate any help in retrieving the rest. This has been a huge hit to my financial struggles. 

A police report has been created in XXXX XXXX.
Consumer complaint received 2020-08-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Business Revenue Systems, Inc. (AZ)

Today XX/XX/2020 i recieved a bill from Business Revenue Systems ( colection agency ) stating that XXXX XXXX XXXX sent my bill {$45.00} to collection. They sent a bill to collections for a service I never received. I never heard of this company, and I HAVE NEVER EVER recieved a services, nor any bill prior to this " collection ''. I looked at XXXX XXXX XXXX web siteand it looks like it is a scam and many people are experiencing the same based on the reviews. I want this company to stop sending me any correspondence, and to leave me alone. I WILL ALSO FILE A COMPLAIN WITH A XXXX. This is unacceptable.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The below accounts do not belong to me please remove them from all three credit reporting agency 's. They are stopping me from providing for my family and stopping me from buying a home. I have never done business with this company. 

XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$67.00} XXXX XXXX XXXX   {$220.00}
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: Experian Information Solutions Inc. (OH)

The below accounts do not belong to me please remove them from all three credit reporting agency 's. They are stopping me from providing for my family and stopping me from buying a home. 

XXXX XXXX Opened XX/XX/18 Amount Owed {$310.00} account number XXXX XXXX XXXX XXXX Account # XXXX Amount Owed {$810.00} XXXX XXXX XXXX Account # XXXX Amount Owed {$790.00}
Consumer complaint received 2022-03-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (FL)

I have been paying on this 4k loan since XXXX, They have received over 25k in payments from this loan. I tried contacting them, but not getting clear answers of why. I had this both loans added to my XXXX bankruptcy and discharged, but they still continue to bill me and ignore the paperwork, because I work for XXXX and was going through a clearance process I had to pay them. I have been monitoring my payments even increased the payments. I notice within the past 6 month the interest payment goes up and down. The loan was taken out in XXXX for a school that longer exist XXXX XXXX XXXX. They have gotten 40k off of a 4k loan and I still owe them an additional 6K. Whenever I get momentum they move the mark by increasing the interest rate. Just seeking guidance. This may be my 3rd complaint.
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. (OH)

The below accounts do not belong to me please remove them from all three credit reporting agency 's. They are stopping me from providing for my family and stopping me from buying a home. 

XXXX XXXX Opened XX/XX/18 Amount Owed {$310.00} account number XXXX XXXX XXXX XXXX Account # XXXX Amount Owed {$810.00} XXXX XXXX XXXX Account # XXXX Amount Owed {$790.00}
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Credit My Rent Inc (FL)

Paid for services with credit my rent on XX/XX/XXXX. After a few weeks of no update I sent an email and was got a respond and was they just received my file and she was working on it. In XXXX I asked for another update and was told they were behind due to COVID. So i sent several emails to cancel the service and requested a refund. Each week Im begin hung up on and told its being processed and still havent gotten it
Consumer complaint received 2022-09-16
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. (NJ)

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them.

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This was already included in my prior complain, and I'm including it again. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2022-03-01
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: Convergent Resources, Inc. (IN)

I have sent certified letters explaining that these companies are using my identity saying I owe them .I have disputed all furnishes using my identity which no prevail please help. This identity theft has left me XXXX  and I only request to remove the inaccuracies
Consumer complaint received 2020-08-03
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 (AK)

I prepaid for a month of classes ( 5 sessions- {$110.00} ) on XX/XX/2020 using a capital one business card. The business was forced to close part way through the month for covid 19 by government order and I was unable to get 3 of the classes I paid for. 

I initially requested a partial return of my payment ( 3/5ths, {$70.00} ) from the company but they stalled and ultimately refused. I next turned to my credit card company for a chargeback for services not received. After a month Capital One sided with the merchant since the merchant had a 'no refund ' policy in terms and agreements they supplied to capital one as justification. I appealed, arguing that I didn't want a refund ( which by definition requires a product/service to have been received by XXXX XXXX ), I wanted the portion back for services not received which is clearly spelled out in the credit card agreement that I am protected against. They still sided with the merchant ( listing a failure to receive documents but unclear what documents they require beyond their own credit card agreement and a dictionary ). I attempted to mediate through the XXXX as well without success so now I turn to the CFB to assist with getting capital one to honor the terms of consumer protection for services not received.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I, XXXX XXXX XXXX, federally protected consumer, rights under the Fair Credit Reporting Act has been continuously violated by TRANSUNION. I've tried countless times in the private via certified mail to get TRANSUNION to apply the reasonable procedures that the title has for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of the title. 

please see attached document. 

This is my second and final complaint on the issue before I seek remedy in district court. 
see complaint # XXXX for reference
Consumer complaint received 2022-03-01
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. (TX)

1 ) I wrote a letter ( letter dated - XX/XX/22 to each bureau. I sent a first request for review and deletion based on my most recent Credit Report.I then sent certified mail demanding the Bureau.

12 ) The credit bureau 's have not responded to my initial or Demand Lette.
Consumer complaint received 2020-08-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (CT)

I never knew about a collection debt owed to AmSher Collections agency. I have never received a letter from this agency verifying that I have owed a debt to them. On XX/XX/XXXX, AmSher reported to all 3 credit bureaus that {$150.00} needed to be paid. When looking at the details on XXXX XXXX it stated that an account on their end was created on XX/XX/XXXX. This debt is supposedly related to internet equipment not being returned to XXXX from XX/XX/XXXX. I have never received any mail sent from this agency verifying this debt to me. Once finding this out I called AmSher asking for a validation letter on multiple occasions. On XX/XX/XXXX, I called Amsher and spoke to there representative XXXX. The representative stated that they did send out a letter to my address. I told the representative I never received anything but representative repeatedly stated that I overlooked my mail and threw it out like most people who don't want to pay their bills. She was mean and honestly rude. I then asked the representative what address they have on file. The agency had parts of the current address in which more information needed to have the correct address to send anything. If you don't have the correct address information how could I have possibly received a letter from them? I updated the address to my current location so a new letter could be sent. XXXX the representative stated she had to ask her manager if this was ok for a validation letter to be sent out. The representative said that the manager said it was ok and that they will be sending one out to me. Three weeks later I still haven't received anything verifying this debt even after calling a few times. These representatives don't write down notes so the next representative can know updated information. I continued to ask the representative more about my supposed account. XXXX the representative told me that the agency had this debt before XX/XX/XXXX, lingering in their office waiting for a response from me. Like I have repeated above I have never received anything from this agency. This agency knew about this debt long before it was reported to the credit bureaus and allowed it to not be paid or communicated to me.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Alliance Acceptance Corp. (CA)

Alliance Acceptance Corp is reporting an incorrect payment history to XXXX. I got on a payment plan with Alliance and they agreed to report my account to the bureaus as current as long as I am making my payments which I am. XXXX from Alliance emailed me this to confirm. Please see attached our email thread. I also attached a copy of how XXXX is reporting this account. XXXX and XXXX are reporting correctly and XXXX needs to do the same.
Consumer complaint received 2023-01-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc (IN)

On XX/XX/XXXX, I made a small deposit ( {$39.00} ) to XXXX XXXX sportsbook using my PayPal account. The purpose of this deposit was to enable PayPal as a withdrawal option for the money I had in my XXXX XXXX sportsbook account. Throughout the course of events, I continued to receive deposit errors for subsequent and larger deposits which lead me to have the attached customer support conversation with XXXX XXXX sportsbook. Per the customer service agent, the only way I could deposit using PayPal would be to add a card to my PayPal account. The other deposit method available to me in the XXXX XXXX app was to add my card directly in their app rather than PayPal. 

From XX/XX/XXXX through XX/XX/XXXX, there were {$34000.00} in withdrawals from XXXX XXXX deposited to my PayPal account. There were times when I then attempted to redeposit to XXXX XXXX using PayPal - and again I received the same deposit errors. So I just retried those deposits using the other method - from my debit card directly in the app. 

On XX/XX/XXXX, in an effort to not lose any more of my winnings, I requested a XXXX month self exclusion from XXXX XXXX sportsbook. I received confirmation of the exclusion on Monday XX/XX/XXXX. This means that I can no longer log in or use this vendor. I then checked the transactions section on my PayPal account and saw that there were a bunch of transactions going back to XXXX XXXX. I immediately contacted PayPal and disputed those transactions since the self exclusion was already in effect. PayPal denied my request within less than a couple hours and sent an automated response. I have appealed this decision multiple times and provided documentation, and PayPal denies the dispute each time.

This has been a gut wrenching experience and Im surely not the only customer who has had to deal with this.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

Yes, a XXXX XXXX XXXX was purchased on my way in XXXX  financing the know. We made one payment and figured out that the bike was too small for her and returned it. The firm was supposed to have reported the loan has been paid in full and or closed. To this day they have not canceled. I have also taken the steps to dispute this with Experian and to to no avail nothing has changed. Experian responded back and told me that XXXX  confirmed that {$2800.00} was still owed on the account. This infuriates me seriously as it is affecting my credit score as if I still owe them money which I do not. I am asking that they fix this to zero balance or delete immediately!. Thank you
Consumer complaint received 2020-08-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

First on XXXX XXXX I searched up the options regarding Forbereance with my current mortgage with Santander Bank. They told me Im approved for 3 month forbereance explaining me Ill have 3 months without monthly payment that will be all due at the of the forbearance period or they will give me options to Repay. My mortgage will be reported as current to not affect my score during this period. 

Fast forward getting close to the third month, I contact Santander about my repayment options. They asked me if I want to extend my forbereabce period and I declined wanting to start making monthly payments and bring my mortgage back to normal. They gave me a really high repayment option but gave me the option of loan modification telling me Ill have to wait up to 30 days to receive final modification offer, asked me to keep doing my regular monthly payment to avoid any negative reporting on my credit. I did pay the 3rd payment right there only leaving 2 payments towards the modification application and been paying my regular monthly payment waiting on their answer. 

Problem is not only they havent get back to me with the modification amount, but they are sending me collection letters regarding those 2 months that were under the forberebace program and negatively reported my mortgage late those 2 months on my bureau accruing late fees, and a notice of a returned check with fees on it, when I always pay online, I have never sent a check to Santander. I been trying to resolve the issue with Santander and always got the same run around from them, in the mid time Im getting all this tension of having negative marks on my credit while Im Making my regular monthly payment and waiting on their answer. Its pretty frustrating for that works in finance as well previously on the bank and know the level of negligence this bank has in such difficult moment for everybody.
Consumer complaint received 2022-03-01
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. (TX)

1 ) I wrote a letter ( letter dated - XX/XX/22 to each bureau. I sent a first request for review and deletion based on my most recent Credit Report.I then sent certified mail demanding the Bureau.

12 ) The credit bureau 's have not responded to my initial or Demand Lette.
Consumer complaint received 2020-08-03
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: Experian Information Solutions Inc. (NY)

I recently sent letters over 45 days ago to the credit bureaus and they are disregarding a regular consumer dispute. I am stressed and have been sending letters before this and i still have not received no response. 

Today XX/XX/2020 i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get this matter under control. This is blocking me from opportunities. I just want everything that is an error to be corrected. i will greatly appreciate your help with this matter. 

I have accounts such as XXXX, inquires from banks that i did not authorize etc. Hope to hear from somebody soon so that we can get this under control and figured out. Thanks in advance.
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NJ)

Had a BJs wholesale credit card through Comenity Bank, membership renewed automatically for BJa and card was charged. Was never notified that I was billed for the membership renewal on credit card, never sent a bill to house, called or emailed. Card racked interest on late payments that I was unaware was happening until it showed up on my credit check that it went delinquent. Called BJs and settled payment and closed account with them, no longer owe them money, case # XXXX on XX/XX/22. Comenity refuses to recognize this and is harassing me for money and still putting interest on account.
Consumer complaint received 2022-03-09
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. (MI)

Equifax needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here is the account that I am disputing : XXXX XXXXXXXX XXXX {$0.00}