davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (WI)

I applied for forbearance in XX/XX/2021. Enrollment was down at the college I worked at and my workload was shortened. SPS keeps asking for the same paperwork over and over again. I recently gave them my check stubs and they are requesting my check stubs again. SPS has no intention of helping anyone that was struggling financially during the COVID Pandemic. If they were looking to help me why did they do a Property Valuation Report, see attached. They keep sending me documentation on XXXX. I inherited the house from my parents that were in XXXX XXXX while alive. I am in XXXX  XXXX but the property is not listed on my XXXX  XXXX because at the time of my filing the house was just beginning probate court. SPS has no intention of working with me, their only intention is to sell my house, I have seen all reviews on this company. This company doesn't help anyone struggling financially. They use forbearance to trick people into an early foreclosure. Also the relationship managers never respond to your emails, voicemails or faxes.
Consumer complaint received 2021-08-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Resource Systems, Inc (MS)

on XX/XX/2021, i sent United Resource Systems Inc a letter about a alleged debt of XXXX that i do not owe. it was sent to this address at XXXX XXXX XXXX XXXX XXXX, CO XXXX ATTN : XXXX XXXX, XXXX XXXX with usps certified mail tracking # XXXX XXXX XXXX XXXX XXXX. i never received anything from them that i requested and i attached a copy below
Consumer complaint received 2021-11-17
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. (DC)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately. 
XXXX XXXXDate of inquiry XX/XX/2021
Consumer complaint received 2024-03-09
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY (NY)

a XXXX cable guy stole our check book while installing service.. he wrote and cashed XXXX checks for total of XXXX 
though we never wrote checks from our account instead for {$1000.00} once a month to the rent..TD cashed XXXX consecutive checks for {$14000.00} on XX/XX/XXXX than {$8400.00} on the XXXX, with fake signatures. 
we visited the branch and called numerous times over the 120 days ..money was never returned or even investigators din'y not even make one comment. 
we are looking to get our money back, because these checks were not suppose to be cashed out to begin with, they did not have the correct signatures or even there was not similar pattern of writing checks over {$1000.00}, which we only did once a month. 

the branch address is XXXX XXXX XXXX, XXXX XXXX, NY, XXXX.
Consumer complaint received 2020-02-17
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA refuses to send me USAA Policies. Due to XXXX  XXXX  I have NO ACCESS on line with USAA. I requested XX/XX/XXXX Paperwork info on line web provides all others NOT ME, to no avail. I requested again XX/XX/XXXX, no avail. I NEED TO KNOW USAA POLICY TO FOLLOW IT. See attatched XX/XX/XXXX FRAUD CLAIM letter. WOW Temporary Credits must be MADE PERMANET. USAA HAS LIED TO ME FOR 2 YEARS. Telling me the credit reversals were from USAA CREDITS WHEN CREDITS WERE NEVER MADE PERMANET! NO USAA TEMPORARY CREDIT WAS EVER MADE PERMANET so USAA USES TEMPORARY CREDITS TO CREATE PERMANET PURCHASES?? OF CREDIT REVERALS OF ** CREDIT NEVER GIVEN STEALING MERCHANT CREDITS?? COVERING THEIR FRAUD LEAVING CONSUMER LIABLE FOR THE FRAUD?? Attached XX/XX/XXXX USAA statement IS BEGINNING OF FRAUD. Kindly Note THERE ARE NO USAA CREDITS ONLY MERCHANT CREDITS. USAA demands I put all this in writing when they know My Hands Unable to do so taking advanage of my age and XXXX. USAA please accept this as in writing. XX/XX/XXXX Merchant credits {$120.00} & {$210.00} *REVERSED XX/XX/XXXX due to TEMP credits. XX/XX/XXXX Merchant credits {$15.00} {$17.00} {$25.00} * REVERSED XX/XX/XXXX due Temp credits XX/XX/XXXX Merchant credits {$110.00} *REVERSED due Temp credit XX/XX/XXXX XX/XX/XXXX Merchant credits {$12.00} {$26.00} {$9.00} * REVERSED XX/XX/XXXX {$9.00} {$26.00} due Temp credit XX/XX/XXXX Merchant credits {$200.00} {$280.00} {$150.00} {$230.00} {$8.00} {$14.00} = {$910.00} PERM CREDITS and ** CHARGED XXXX OLD FRAUD FROM XX/XX/XXXX Note the ( F ) in ref number cide for fraud. USAA puts KNOWN FRAUD ON AS NEW PURCHASES XX/XX/XXXX {$6.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX * REVERSED {$200.00} {$280.00} = Total Reversed {$970.00} USAA IS THE THIEF STEALING EVERYTHING FTC MADE MERCHANTS CREDIT. Note the pattern. Merchant PAYS and USAA TAKES AS THEIRS WHEN THEY NEVER MADE THE TEMP CREDIT PERMANET. USAA STATES ALL CREDITS ARE INTERNAL USAA HIDES THIS. USAA refuses to send policy to explain TEMP BEING MADE PERMANET PURPOSELY. USAA HAS HELD ME LIABLE FOR FRAUD SINCE XXXX XXXX The first time I used this 4 years old card they tell me. USAA IS HOSTILE AND UNCOOPERATIVE.
Consumer complaint received 2023-08-21
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. (NC)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT Below are the names of people and/or organizations who have obtained a copy of your Credit Report. Inquiries such as these can remain on your credit file for up to two years. 
Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

PS!

THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. WEBBANK/FINGERHUT XXXX Balance : - XXXX  XXXX XXXX XXXX Balance : - XXXX XXXX Balance : -XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Incorrect Balance, Upon Reviewed my Statement, the disputed of a Purchased in the amount {$1200.00} on XX/XX/2018 from XXXX XXXX XXXX have not yet credit to my account, as i have reached out to the merchant regarding about this matter, and have receives confirmation letter from the merchant regarding about the refunded amount. Attachment are proof settlement.
Consumer complaint received 2024-03-09
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. (WI)

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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct 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}.
Consumer complaint received 2021-04-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (GA)

Company has failed to provide proof with my signature showing they have validated this debt m. This company continues to violate CFPBs rules and regulations this company continues to disregard the rules and regulations as it pertains to providing this said debt with my actual signature validating that said debt correct and accurate. I have already provided proof to XXXX that this is not my debt and this debt was removed from my credit file. This company continues to report inaccurate and false information on my XXXX credit report. This company did not provide proof of any documents showing an ink signature on an actual contract indicating I have validated this debt and indicating I have acknowledged and obtained this debt. Instead this company provided a copy of a factious drivers license that does not belong to me and which has already been identified in my police report that is in file with the credit agencies, this item does not belong to me remove it from my file. Providing a copy of a drivers license does not substantiate this debt belonging to me nor does a copy of a drivers license indicate I have obtain this debt and validated that this debt belongs to me. As stated earlier I have already filed identity theft report which is located on all three of my credit reports please remove this debt this does does does not belong to me.
Consumer complaint received 2020-02-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

It's come to my attention that my loan servicer, great lakes borrower services, is not able to explain the mechanic of " capitalization '' to me other than that it is a product feature that allows them to role over interest into my principal. This can not possibly be legal and what the regulators intended when greenlighting a product such as a " student loan ''.
Consumer complaint received 2020-02-17
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. (CA)

While checking my personal credit report, which I acquired from Equifax, I noticed an unauthorized inquiry made by your company XXXX XXXX on XXXX, and XXXX are on XX/XX/2018. I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
Consumer complaint received 2017-06-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

On XXXX XXXX 2017 I went to Wells Fargo Branch at XXXX XXXX XXXX XXXX XXXX. XXXX, Fl. XXXX phone # XXXX and asked about getting a medallion stamp on some mortgages I intended to send to XXXX XXXX. I was told by XXXX XXXX XXXX that I needed to bring proof of ownership for the securities, as told to him by a person on the phone from his legal department. I returned the following day and XXXX XXXX again called who he said was his legal department with the proof of securities and was told that Wells Fargo does not sell mortgages. I stated that that is not the truth as Wells Fargo does issue and sell mortgages. I later asked for the name of the person on the phone and was told that I could not have it. XXXX XXXX left and returned with XXXX XXXX who identified herself as the branch manager. She said that Wells Fargo is not prepared to perform that service as they only deal wit mutual funds, bonds. Told her this is a mutual fund and she repeated that Wells Fargo is not prepared to stamp the document. Wells Fargo does advertise that they perform that service. This is domestic terrorism as they are creating haemorrhaging in the American economy and hindering trade and commerce and depriving tax payers of jobs and potential tax revenue.
Consumer complaint received 2022-10-11
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)

Hello my name is XXXX XXXX and XXXX have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2XXXX XXXX
Consumer complaint received 2015-07-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (TN)

XXXX years ago I moved from The XXXX apartments in XXXX, TN. I bought a home. Before I left I cleaned the apartment but did leave some things that the cleaning crew or painters could have. These were things like a comforter, electric skillet, some glasses ... .all in excellent condition. I also took pictures of the apartment after I cleaned it. There were holes in the wall that would need patching because I had my t.v. hung on the wall. They called and said I owed then {$120.00} because I left junk, the refrigerator was not clean enough and the holes would need repair. I told them I cleaned everything and the stuff I left in the middle of the room with a note saying they could have, was not junk. I did send them a check for half of the amount, {$65.00}, for repair ( patching and painting ) the holes in the wall. They put the whole {$120.00} on my credit report and it has lower my good credit score.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I lost my card back in XXXX of 2019 i had with Venture- Capital One. I called the CC company to replace my card and have it sent to a different address, which they said they could do as long as they can verify my identity through various documents. 

After i sent them the documents they requested ( social security card, state license ), i was supposed to wait 1 - 2 weeks after which they were supposed to get back to me. When they contacted me again they told me they couldn't verify my identity and asked to resend documents and a bank statement that had my name and address on it. 

I waited a month and contacted them again and they told me they were busy and was still working on it. I waited a few more weeks and called them again and they asked me to send the same documents, this was in XXXX. 

I havent heard from Venture- capital one ever since- I dont know if they are still working on processing my replacement card or verifying my identity. It's getting very frustrating and time consuming, trying to get this resolved and Im continuing to make payments and paying interest on the card. 

This has gone on for too long and i would like to get this resolved, please help. 

Thank you, XXXX XXXX
Consumer complaint received 2022-12-15
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. (FL)

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. 

XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX has violated my rights.

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 information is inaccurate.
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A. (CT)

I had purchased a XXXX XXXX Gift set worth {$100.00} from Macy 's store ( MACY S XXXX XXXX XXXX ) in XXXX, IL on XXXX XXXX, 2019. The amount of {$100.00} was debited from my card and also an additional {$39.00} was debited from my debit card for unknown reason. I had applied for Macy 's card at the time of purchase but I did not receive any card and hence I also did not use the Macy 's card for any transactions. I had asked the customer care to close the account within a month i.e. on XX/XX/2019 without receiving any card. 

In addition to an unknown transaction for {$39.00}, I am also asked to pay {$48.00} every month for no reason. This amount has now accumulated to {$270.00}. Macy 's did not give me any reasoning for asking me to pay this amount when I have not received or used any Macy 's card and also I have paid the full amount for the product. I have been also said that the product payment was not done even after I had faxed my bank statement showing the debited amount and transactions and still Macy 's did not help me one bit despite speaking to several customer service representatives.

My account is also been reported as Delinquent account which has greatly impacted my credit score.
Consumer complaint received 2021-11-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (MO)

This company falsely advertised on their XXXX that rates start at 2.10 % APR as of XXXX CST. I completed a Prequalification within 10 minutes of that advertisement and was offered a rate of 2.75 % with an APR of over 2.9 % with $ 6,000+ in points. 

They have a disclaimer that its for loans greater than XXXX with credit score of XXXX+. Both of which I fall into the categories of. 

In addition to they are also requesting deposit for services not rendered which is a complete violation and will further be addressed with the state regulators.
Consumer complaint received 2021-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank (VA)

In XXXX, I opened a XXXX XXXX secured credit card with a deposit of {$200.00} that I put down towards my credit line. In XXXX of XXXX, I paid off my balance in full and requested my security deposit back in writing. When I contacted the company in XXXX, they lied about not having received my account closure request, which was sent in the same envelope as my final payment. I still have not received the money and would like my deposit back as soon as possible.