davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (TX)

Hello all, After several attempts to get information about the price increase for services, he was refused and tried to close his account, explaining that he found another company that provides the same service for a lower fee. The company XXXX XXXX XXXX refused to provide services at the previous rates and despite the fact that I have been their customer for several years, they decided to increase the rates, explaining it as an increase in prices. I refused and asked to cancel my account because I had already canceled the company, but as it turned out later, they did not cancel my account and tried to bargain so that I continue to remain their client. I explained that it was too late and I changed insurance services. XXXX after some time I received information that my account was not canceled and I have a debt I changed the terms and settings in my profile. I asked for confirmation of these words and explained that the monopoly does not work here and I do not understand where my debt comes from. I also had to call again and request that my account be canceled again. I did not receive an explanation of who and why did not close my account, why the terms were changed, and who and what changed the settings in my account. It looks like the company is trying to get the customer back and when they can't, they pressure and force them to pay additional fees please help Thank You
Consumer complaint received 2024-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC (FL)

I tried to get in contact with the company after receiving emails from them, told them I don't own this debt at all and they did not do anything. I'm getting my identity stolen since always and Im trying to do something about it and deal with this account but nothing seems to work.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC (TX)

On XXXX, CB INDIGO made fraudulent inquiry on my credit report using my name, but they used a fraudulent address and phone number. I did not apply for credit or a credit card with CB INDIGO!! 
I was alerted to this inquiry and immediately contacted XXXX to report it was fraudulent. XXXX helped me by freezing my report and placing a fraud alert. 
I have requested this fraudulent inquiry be removed from my credit report but must first provide XXXX with information/letter that I have filed a report to the FTC in order to have it removed. 
I tried unsuccessfully to reach the fraud department or anyone that would help at CB INDIGO. I have made numerous calls trying to report this and they refuse to transfer me to the fraud department or any department that can help.
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and needed to be deleted from my credit.
Consumer complaint received 2024-06-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IA)

On XX/XX/year>, I ordered a product with another website ( XXXX ) but used Paypal/Paypal credit as a payment method. We recently moved to Iowa so I had already updated my address on the Paypal website. I had ordered other items previous to this transaction through Paypal ( XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX ). Both arrived at the correct address. 

When I ordered through XXXX, I did not get a confirmation of the shipping address. I only learned that it was shipped to my previous address via a notifcation ( and picture ) from XXXX. I checked the Paypal website and did verify that my address had been updated to the current one. 

So I called Paypal and they said they would submit a dispute for me to resolve. I got a copy of the dispute notification minutes later but it did not contain the details I had provided. I the contacted Paypal again and the agent I spoke to said the dispute would probably not go in my favor because they had no record of my shipping address and therefore, Paypal was not responsible for the auto population of my shipping address on the XXXX website. 

I called Paypal credit to clarify and they said they said this was not under their jurisdiction but the jurisdiction of Paypal itself. I called Paypal again and spoke to another agent who said that the shipping address they had was the one for my previous address. So the second agent I spoke to was lying to me. I requested to speak to a supervisor, and the third agent said a supervisor would call me back in an hour. I received no such call.
Consumer complaint received 2017-05-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Quality Loan Service Corporation (CA)

XXXX : XXXX USING THIS FRAUD COMPANY TO SERVICE WHICH IS A irs VIOLATION, STATING SERVICER, PLUS THERE WAS NO LOAN NOR MORTGAGE. HAVE NO CONTRACT WITH EITHER OF THESE FRAUDSTERS. https : XXXX Send cease and Desist orders long ago, see how fake this is? After Recording Return To : ______________________ ______________________ ______________________ ______________________ _____________________ [ Space Above This Line For Recording Data ] __________________ FICTITIOUS DEED OF TRUST Fictitious Deed of Trust recorded by ______________________________ on behalf of [ Name of Person ] ________________________________________________________________. [ Name of Lending Institution Causing the Instrument To Be Recorded ] This title page is hereby incorporated into, and made a part of, the attached Deed of Trust, both of which together comprise the Fictitious Deed of Trust. This Fictitious Deed of Trust is being recorded pursuant to XXXX XXXX XXXX XXXX ( XXXX 2006 ). XXXX, and XXXX XXXX XXXX XXXX XXXX is not licensed to do business in XXXX XXXX at least that is what the XXXX XXXX licensing division claim, or in the State of California. so the California Secretary of State shows this company is in collusion with XXXX ( XXXX XXXX XXXX pretending to be the Trustee for foreclosure purposes and acting under Color of law which means in collusion with Officers of Law Corporate in Collusion with Fraudster Banks with fiat paper monies and instruments. You do not have chain of title you do not have a contract with the real owner of the property and land that you are offering for sale both on the internet ( wire fraud ) and in person. You have committed and been involved in fraud, swindles, tricks and schemes. This amounts to Robbery ashore as part of the pattern of racketeering activity y collection of an unlawful debt which engaged in, or the actives of which affect the interstate or foreign commerce. You must divest yourself of the ill begotten property, belongings and financial gain you have derived from your fraud. The selling, conveying, monetizing, fraud, stealing, was done knowingly and willfully. The statements on the the internet or printed material was materially false, fictitious, or fraudulent statement or entry. Whoever buys from you and receives, conceals, or retains the same with the intent to convert in to his use or gain, knowing it to have been embezzled, stolen, purloined or converted-goes to jail, and so do you! Warrants and Bill has been issued already to 5 enforcement of the highest of the land. other info : XXXX XXXX XXXX XXXX XXXX XXXX Forgery/ Calif. code 115 ( a ) 10 years in prison. You have been notified. Remove the Auction demanded today.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I reached out to this creditor as there are reporting false information on my credit profile, I requested proof of ownership of the account and contracts and I also requested a copy of the information that was used to verify these accounts as accurate and I was never supplied with any information!! 


Kohls capital one states I owe {$460.00} This is illegal for these companies to report this information as it doesnt meet the minimum standards for reporting as it is inaccurate, and no proof has been provided.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$11.00} XXXX XXXX Balance : {$220.00}
Consumer complaint received 2024-05-21
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. (TX)

I am writing to formally request the removal of unauthorized credit inquiries from my TransUnion credit report. The following inquiries were not initiated by me and do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ), consumers are entitled to the accuracy and privacy of information in their credit reports. The specific sections of the FCRA that are relevant in this case include : Section 604 ( 15 U.S. Code 1681b ) : Permissible purposes of consumer reports. This section specifies the conditions under which a consumer reporting agency may furnish a consumer report. Unauthorized inquiries do not meet these conditions. 
Section 611 ( 15 U.S. Code 1681i ) : Procedure in case of disputed accuracy. This section requires credit reporting agencies to correct or delete inaccurate, incomplete, or unverifiable information.

The presence of these unauthorized inquiries on my credit report is a violation of my rights under the FCRA and is negatively impacting my credit score and financial standing. These inquiries were not initiated or authorized by me, and their presence on my report is causing unnecessary harm.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

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. 

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 informationisinaccurate.
Consumer complaint received 2023-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (NC)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Heavens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists
Consumer complaint received 2023-02-08
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: WELLS FARGO & COMPANY (CA)

I was in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I noticed I had a charge on my Wells Fargo credit card for {$780.00} from " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' that was charged on XX/XX/XXXX and since I did not use my card at all while I was in XXXX I go ahead and submit a claim online ( this was on XX/XX/XXXX ). I hear nothing from them within a week so I call them and the person I talked to tells me that they will ask the merchant for a receipt and if they don't reply within a month I automatically win the dispute ... .a month passes and nothing still, so I call again and this time they tell me they have to forward the matter to fraud team..a week later I get a letter telling me " they determined there was no fraud because the card was in my possession. '' and so I call again and same exact outcome, they open a new case forward it to their fraud team and and they send a second letter with the exact same answer. Another thing to point out is that when the charge was made on XX/XX/XXXX, Wells fargo did Not flag or stop the purchase even though it was such a big amount and it was done in another country.
Consumer complaint received 2023-03-02
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX. XX/XX/XXXX 15 USC 1681 Section 602A states that I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.
Consumer complaint received 2022-10-28
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

In XXXX of XXXX I agreed to have my Kitchen Cabinets remodeled with Home Depot. I made the purchase on their department store credit card They received my parts and came out on XXXX XXXX to complete the task. They botched the installation, mismeasured the cabinets and had to re order them. They re ordered them and came to install them again in XXXX. they did not fit again. The job was completely half done. And is not up to par with any sense of the word professional. I still owe XXXX dollars for this cabinets with their card and have been making payments on the job since XXXX of XXXX and I still do not have a kitchen. 
Today on XX/XX/XXXX someone was supposed to come and at least fix the doors at XXXX but no one showed up. I got blown off and when i called at XXXXXXXX XXXX the office was closed. They close at XXXX! 
I have had to live with out a kitchen all year long, an on top of it all the work that was complete in my kitchen looks horrible.
Consumer complaint received 2023-02-08
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Global Lending Services LLC (TX)

Global lending service is reporting a charged off auto loan on my credit reports that I have been disputing for some time now. I have sent them a letter over 30 days ago requesting validation of this debt and never received any documents or communication regarding this account. However when this account was disputed with the credit bureaus as well, XXXX found that there was not valid proof for this account and deleted it from my report. If all XXXX bureaus get their information from the same place how is it that XXXX and XXXX is able to verify this debt? How is it that I am left with low credit scores when Global lending service has ignored my dispute? This account should be deleted from my reports now!
Consumer complaint received 2021-01-05
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. (TX)

I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.
Consumer complaint received 2024-05-23
Product: Credit 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: CITIBANK, N.A. (MI)

Details : we were on the trip with XXXX in XXXX. We were riding taxi in XXXX XXXX  XXXX from XXXX XXXX to our XXXX XXXX XXXX. The charge on my account from XXXX XXXX XXXX XXXX XXXX. We have never been in any restaurants that day. I am not even sure such restaurant exists. The taxi driver took my card and swiped it thru his portable reader. No receipt was given to me. 
My account is setup so I get emails as soon as any charge more then XXXX cent appears on my account. When we came to the Hotel, my phone picked up network and I received an email with this charge of {$420.00}. I immediately called Citi card and explain what happened. I didn't know if taxi driver have saved my card information on his devise and I requested cards replacement. 
The charge is still on my account. Citi security explanation of why dispute rejected is because card was physically used. 
There were 4 of us in the taxi - my wife and my friends. I can provide their address and phone numbers if necessary. They are the witnesses of this fraudulent charge. 
We have been with this credit card for more then 30 year, knowing that CITI cards will protect us from any kind of fraud transactions. CITI is NOT wiling to protect us from XXXX thieves. 
Please help. 
XXXX XXXX
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or repair the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-14
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 — Their investigation did not fix an error on your report
Company: PNC Bank N.A. (IL)

Enrolled in XXXX XXXX XXXX XXXX over 11 months ago to manage my credit card payments. PNC Bank and XXXX XXXX XXXX  have agreed on a payment plan for me. I have honored their payment plans via XXXX. These two entities have been harassing me for months with phone calls, emails and submitting incorrect damaging info to credit bureaus... continually lowering my credit scores. I have contacted them and XXXX numerous times but these damaging actions continue.! They continually report I am delinquint on payments and/or have past due amounts. PLEASE HELP XXXX
Consumer complaint received 2023-02-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TX)

I filed a complaint with the Federal Trade Commission and was directed to CFPB. 

SHELLPOINT HAS RECEIVED SIMILAR REQUEST BUT SHELLPOINT HAS NOT ADDRESSED THE QUESTION IN LEGAL MANNER. 

Shellpoint claims that the XXXX and XX/XX/2022 mortgage statement is different because the XXXX  is for XXXX XXXX XXXX Now, anyone with any sense knows that a XXXX is supposed to represent XXXX 2022- XX/XX/2022. 

Therefore, SHELLPOINT HAS NEVER EXPLAINED WHY THE 2022 XXXX AND MORTGAGE STATEMENT PRINCIPAL ARE NOT THE SAME. 

SHELLPOINT DEFRAUDED ME AND THE CARES ACT BY NOT APPLYING THE MONEY TO MY ACCOUNT.
Consumer complaint received 2024-06-19
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Freedom Mortgage Company (TX)

I written Freedom Mortgage XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX or XX/XX/XXXX I was told the document has to be court order for me to receive. Freedom mortgage won't verify my debt. I was told by Freedom mortgage they only have a copy of my note deed of trust.