davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (TX)

I closed on my house around XX/XX/2020. During the closing i was made to signed documents which states that my Mortgage was going to be {$1900.00} Monthly. And i have been making that payment for two years now. Just this month, my Mortgage has been increased from {$1900.00} to {$3500.00}. I called the mortgage company to find out why such a huge increase in my mortgage. and i was to that i have been under paying my escrow. They told me that my Mortgage was supposed to be {$2500.00} at the closing but not {$1900.00} i have been paying for the past two years. which i know is not my mistake for making under payment. I want to know what i can do because i can't afford the new payment of the {$3500.00}.
Consumer complaint received 2019-09-20
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. (VA)

To whom it may concern, I'm writing this letter to request that the charged off XXXX XXXX XXXX Credit Card ( Account # XXXX ) be removed from my personal credit file based on the following : - Business credit is in fact separate from personal credit. Therefore, the two should not be in one file. 
- To the best of my knowledge, I've never been given an opportunity in writing to dispute the debt ( e.g. interest charges, other charges etc. ) nor that this business credit account would be appearing in my personal credit file. 
- On XX/XX/2016 I'd began living in Virginia, and was not in GA to receive any mail by US mail. My address at the time was XXXX XXXX XXXX XXXX VA XXXX. I have attached documentation as proof. Since I wasn't there, there is no guarantee that I could have even gotten any more or that it wasn't intercepted by someone else like my ex-wife. 
- By the time I found out about this, it was certainly already too late. 
- Since that time, I have actively been working with XXXX XXXX to resolve the matter of this debt. The card had a high balance of approximately {$9800.00}. I have paid most of this debt to date, leaving a balance of just {$1400.00}.
Consumer complaint received 2021-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

The bank Wells Fargo regarding account ending in XXXX where the bank committed the act of diversion of funds and stole my atm deposit of XXXX dollars dated XX/XX/2021 the adjustment made the same day is dictated not to be related to the deposit itself the bank has harrassed myself in resolving the matter and has committed the theft of fund once before regarding a check with an outstanding balance of several million dollars. The department of treasury contacted an issue related to the check and its theft. The outstanding balance was confirmed by its issuer XXXX  XXXX XXXX for the initial act of theft the bank has perpetrated against me. I have the bank statement to prove the diversion of funds.
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Reported Dates Opened : XX/XX/XXXX, XX/XX/XXXX I have never had or signed any contractual agreement with XXXX or authorized an agreement with XXXX for any type of loan including a student loan. Furthermore they are erroneously and inaccurately reporting me as late/delinquent on my credit report with the intent of extorting me via my credit, credit worthiness and my employment viability. 

The aforementioned is clearly in violation of the Fair Credit Reporting Act ( F.C.R.A. )
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Reported Dates Opened : XX/XX/XXXX, XX/XX/XXXX I have never had or signed any contractual agreement with XXXX  or authorized an agreement with XXXX for any type of loan including a student loan. Furthermore they are erroneously and inaccurately reporting me as late/delinquent on my credit report with the intent of extorting me via my credit, credit worthiness and my employment viability. 

The aforementioned is clearly in violation of the Fair Credit Reporting Act ( F.C.R.A. )
Consumer complaint received 2023-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/2023 a fraudulent charge was made on my credit card. I disputed the transaction. Ultimately, after several months, Bank of America notified me that, despite the charge being done without my authorization, that they could not do anything to help me. I then paid for the charge so that I would not accrue interest on it. In the subsequent billing cycle Bank of America, then removed the charge from the account again and placed it back on and begin accruing interest on the charge that I had paid off two months later. ( It is of note that I had an interest free loan on the account as well on which I was making all payments and for which I paid the fees in advance ). When I called to rectify the situation, I was told to default on the credit card or they would not address the fraudulent interest fees. When I pointed out that this would damage my credit, the supervisor with Bank of America hung up on me. I requested information on who opened the new fraud claim on my account in the XX/XX/2023 billing cycle and the representative would not respond. BofA opened that after I closed all of my other accounts and closed my credit card as a retributional act and are attempting to force me to damage my credit or pay them fraudulent charges. I recorded the final 90min phone call with them and have all billing statements that support this.
Consumer complaint received 2022-02-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NC)

On Sunday XX/XX/XXXX my Venmo account with {$4000.00} saved in it was frozen for no apparent reason. I had made a payment which I thought would be taken out of my Venmo balance, however it didnt. I then tried to transfer money to my bank to cover the cost of payment. At that time my account froze. I need this account, I needed these funds for payments and bills. I have contacted numerous times, I have been hung up, I have been told they have no idea. My ID had been verified already. I have now been in limbo for 4 days with zero response. I just dont understand what has happened and how they can make it to where I can not use my own money. I am able to transfer my funds out to my personal bank account. My money that I needed is frozen. I do not owe Venmo anything and the only response I have gotten is only an account specialist can help and they will contact you with in 2-3 days. This was on Sunday.
Consumer complaint received 2020-06-06
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. (IN)

I have two inaccurate late payments reporting on my TransUnion credit report from XXXX XXXX XXXX listed in XX/XX/XXXX and XX/XX/XXXX. I have disputed the inaccurate late payments with TransUnion but the bureau refuses to remove the inaccurate information stating that XXXX XXXX XXXX verified the late payments as accurate. I have contacted the company and Ive been informed that there are no late payments reporting on my closed account. The car payments were due on the XXXX of each month. I am attaching a copy of my personal bank statements showing when the payments were withdrawn from my checking account. The XX/XX/XXXX payment was withdrawn on XX/XX/XXXX ( which is not 30 days late ). The XX/XX/XXXX payment was withdrawn on XX/XX/XXXX ( which is not 30 days late ).
Consumer complaint received 2021-02-10
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: McCarthy, Burgess & Wolff, Inc. (MA)

FDCPA, under Title 15 violation have initial started around XX/XX/20 From these tresspasser of the law XXXX XXXX on behalf of McCarthy, Burgess wolff located The XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX and also complict is XXXX XXXX  locatedXX/XX/XXXXXXXX XXXX oh XXXX. We have no written contract nor knowledge any alleged debt. Am invoice will be sent within two weeks of this claim for damage. 


AGENT TO PRINCIPAL IS PRINCIPAL TO AGENT
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (PA)

Received a letter in the mail from XXXX XXXX  stating the account I opened was over drawn extremely and I never opened an account with their bank. I reported this issue to them who referred me to this website.
Consumer complaint received 2021-02-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: First Technology Federal Credit Union (NC)

I applied for a Personal Unsecured Loan with First Tech Federal Credit Union on XX/XX/XXXX in the amount of {$5000.00} under installment of {$130.00} per month for forty-eight ( 48 ) months, due date on the XXXX of the month before the closing date of the XXXX of the following month per approval by First Tech Federal CU Representative Customer Service agreement to avoid a late fee and past due on installment payments. Since First Tech Federal CU is an online Bank in my State of XXXX, NC, I mail my monthly payments of {$130.00} plus {$15.00} late fees totaling {$140.00} by United States Postal Services 2nd day Priority Mail to received before the closing date of the XXXX of each month since I am a Retired XXXX  Employee from the XXXX for XXXX XXXX XXXX XXXX over 48 years & received my retirement benefit on the first of each month. I tried on three attempts with First Tech Fed CU Representative to set up an Electronic payment Plan per application online to be debit from XXXX XXXX XXXX XXXX Checking Account but First Tech Fed CU did not accepted agreement. Therefore, I mail payments by Certified Mail per month and First Tech FCU is fraudulently reporting account past due since XXXX until present of XX/XX/XXXX ignoring my dispute. Balance is {$2700.00}.
Consumer complaint received 2024-03-04
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I hope this letter finds you well. I am writing to dispute a late payment entry appearing on my credit report. Upon reviewing my credit report, I noticed an entry for a late payment on XXXX XXXX XXXX XXXX for the month of XX/XX/2023. I believe this entry is inaccurate and request that it be investigated and corrected accordingly.
Consumer complaint received 2022-12-30
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts XXXX XXXX XXXX Balance Owed : {$4300.00} XXXX XXXX Balance Owed : {$1300.00}
Consumer complaint received 2022-12-30
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. (TX)

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-30
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$510.00} XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SUN LOAN COMPANY INC. (MO)

Sun Loan company in XXXX MO has violated my right to privacy of debt on multiple occasions. The first time an employee named XXXX XXXX informed my employees & other people who are known by me that I had a loan through them. I notified the company immediately & they stated what she did was a violation of my rights to confidentiality mid XXXX. Now the current employees have notified my direct subordinates again XX/XX/XXXX, contacting references asking them about my bankruptcy information most recently XX/XX/XXXX @ XXXX, asking what do we have going on ( even though I am the only person on the loan ) and stating that they can help me with the debt. My references were not authorized by their contract to know information about my loan/debt. I have had 5 references contact me and quote the same statements made by employees at XXXX XXXX. This is a violation of my right to confidentiality.
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (VA)

My ex wife opened a fraudulent credit card in my name and funded it with her checking account. I have already tried to resolve this issue with Discover Bank to which I have been unsuccessful. My next step is to contact an attorney to sue Discover Bank for breaking the law.
Consumer complaint received 2022-03-12
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: EQUIFAX, INC. (WA)

I overstand my right as consumer demand you to remove this frivolous information. I did not consent for this for this frivolous information to be reported. This is a violation. 
XXXX8 USC 1028A Aggravated Identity Theft Assault Please remove this information. Enclosed copy of Equifax credit report to identify.
Consumer complaint received 2019-02-10
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. (GA)

On XX/XX/XXXX I received my credit report from Experian, XXXX, and XXXX. I realized that there were hard inquiries on my credit fire that were not authorized by myself. These hard inquiries are negatively affecting my credit score and ability to get other sources of credit. Below is a list of the unauthorized hard inquiries on my credit file : 1. XXXX XXXX - XXXX XXXX, XXXX 2. XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX 3. XXXX XXXX - XXXX XXXX, XXXX 4. XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX 5. XXXX XXXX XXXX - XXXX XXXX, XXXX 6. XXXX XXXX XXXX - XXXX XXXX, XXXX 7. XXXX XXXX - XX/XX/XXXX 8. XXXX XXXX XXXX. - XX/XX/XXXX 9. XXXX XXXX - XX/XX/XXXX 10. XXXX XXXX - XX/XX/XXXX 11. XXXX XXXX XXXX - XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-02-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc (NV)

I had a travel package booked with XXXX and paid with AFFIRM. The flights got canceled and moved by the airline so automatically I was entitled to a refund per airline policy. I requested the refund and never got it. I talked to the financial institution that I used to make the payment so we could open a claim and get my money back. I sent AFFIRM all the proof I had and they did not provide me with a refund and it has been a year. I submitted a claim with my bank and AFFIRM took the money back and sent me to collections wrongfully even after I showed them they owed me a refund. The airline has now after a year sent the money back to AFFIRM and I have contacted AFFIRM to ask for my refund and all they tell me is : Our system is having issues when we try to send you the refund. ( they " escalated '' the issue XXXX different times ) and they have not gotten back to me nor have they sent me my refund or even processed my refund. They said the escalations team was going to get back to me within 24-48 hours and they have not done so. Also the loan still shows charged off when IT should have not been and especially now that they got the refund from the airline
Consumer complaint received 2019-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: HSBC NORTH AMERICA HOLDINGS INC. (OR)

HSBC - I received a card with an into APR of 0 percent on purchases for the first 18 months. Nowhere in my card member agreement or paperwork received from HSBC did it state whether or not the intro APR would change on purchases made but not yet repaid by the intro APR expiration date. 

I have a XXXX XXXX card and, the purchases made are at the intro APR until they are paid off. 

So, I called HSBC and asked about how the intro APR worked. I took notes. I was told the intro APR expiration would not expire on purchases made within the intro period. 

Fast forward to around the first of XX/XX/XXXX. I noticed a not on my statement that seemed to indicate I would start being charged interest on the purchase I made starting XX/XX/XXXX, the end of my intro APR.

I immediately called for clarification. I would have utilized other purchase methods for this purchase of XXXX dollars. HSBC confirmed I would be charged interest on the remaining balance starting XX/XX/XXXX. I proceeded to explain to them that I called previously and was told something different. They confirmed record of the phone call. I asked them to please pull the recording and they refused. I asked them to please find the text that backed up this latest story in the card member agreement, and, they could not. 

I am requesting that the balance remain interest free for the life of the balance, just as I was told when I called in mid -XX/XX/XXXX.
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER FOR I HAVE NO KNOWLEDGE OF THOSE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION, PLEASE HAVE THOSE ACCOUNTS REMOVED FOR THEY HAVE CAUSED TREMENDOUS DAMAGE TO MY FILE.
Consumer complaint received 2019-04-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (NJ)

A collection company by the name of XXXX XXXX XXXX XXXX XXXX is reporting a collection account for a XXXX account that I have never opened. I have asked them to provide me with a signed contract because I have no knowledge of this account when I disputed this with the credit bureau within 30 days they responded with a letter advising the account was verified but they have not provided me with anything that shows that I signed a contract. I have also contacted the collection company and asked for a signed contract which I have not received. After I disputed this with XXXX XXXX XXXX they sent me a letter stating " we have updated our records to show that this account is disputed and to call to discuss payment options '' but did not provide me with anything stating I still have a right to dispute further. I have followed up and sent another dispute letter recently because it was still within 30 days of receiving an initial response from them. After all of that I received a notice from the court stating they are suing me for the debt for an account that I have never opened and have yet to produce a signed contract for.
Consumer complaint received 2020-12-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I would like to inform you that on XX/XX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 41 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 41 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the Equifax data breach and this may be the result of this nefarious activity on my reports.
Consumer complaint received 2024-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I dispute the inclusion of a fraudulent account on my credit report, confirmed as such by XXXX XXXX. Despite their assurance of removal, the account persists on your records. Both XXXX and XXXX have deleted this account, revealing a discrepancy. Please delete XXXX XXXX XXXX from my file as it is inaccurate and erroneous.