davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (FL)

I am not responsible for the balance debt of this Wells Fargo XXXX XXXX. As this was not done by me and was reported fraud. What I was responsible for, Ive already paid and this credit card account was closed by the grantor after nothing was done by the fraud department and the balance charges was accumulating/ interest charges and also prior unauthorized charges. In order to satisfy this debt not owed by. I will not pay this balance, due to even if paid this will still reflect on my credit report as a Charge Off account that will just say Paid. If this balance was to be paid there needs to be an update to the credit bureaus. Stating paid as agreed and the status should no longer be listed as a charge off account and only show closed.
Consumer complaint received 2020-02-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MI)

We had XXXX company to make the payments of ours home mortgage in XX/XX/2019, then they transfer our account to a company called shellpoint Mortgage Servicing, New Rez LLC dba and since that they only sent to us one paper bill and stop doing it! I called to them and asked about my bill on paper for XXXX and they said that will sent it to me and nothing yet now we are late and their online billing option does not work yet, is not fair that we never have problems with XXXX making payments a month ahead and that since this transfer account we do not wan na gon na get affected with extra fees of late payments and a possibility that they will destroy my credit score that I work hard to keep and maintain in a good score. we need help in this situation, thank you!.
Consumer complaint received 2020-02-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following NOT Metro 2 Compliant accounts should be removed : Creditor : XXXX XXXX Account : XXXX Creditor : XXXX  XXXX XXXX Account : XXXX Creditor : XXXX ( OC : XXXX XXXX ) - Account : XXXX  Creditor : XXXX XXXX ( XXXX XXXX )  - Account : XXXX Creditor : XXXX XXXX ( OC XXXX XXXX XXXX ) - Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (VA)

Summary : EQUIFAX CREDIT BUREAU failed to provide me with requested paper copy of my Credit Report on file for rewording ( or removing ) of a XXXX Consumer Judgement that exists since XXXX in my Equifax Credit Report awarded to Bank XXXX XXXX XXXX in XXXX by XXXX XXXX XXXX. Since State of XXXX has a Statuatory Limitation Law of XXXX years & Federal Statuatory Law of XXXX years on Debt Collection, this XXXX mark on my credit report needs to be removed or reworded to Negotiated Settled as legally appropriate. 

As background, failure of Equifax to address the XXXX XXXX correciton on my credit reports, I have been barred from any types of consumer credit, such a personal loan or pass a credit check necessary for me to sign a apartment lease.
Consumer complaint received 2023-03-13
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. (AL)

In accordance with the fair credit reporting act XXXX XXXX Account # XXXX, {$1900.00}, has violated my rights. 

15 USC 1681 SECTION 602 STATES I HAVE A THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER reporting agency can not FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD Account under an OPEN-END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE
Consumer complaint received 2018-06-19
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: Bridgecrest Acceptance Corporation (MD)

On XX/XX/XXXX I had purchased a XXXX XXXX XXXX XXXX XXXX from XXXX XXXX located in XXXX XXXX, MD. Financed with Bridgecrest Account # XXXX. Up until XX/XX/XXXX I had issues with my XXXX XXXX XXXX and finally after jumping through hopes with XXXX and Bridgecrest it was offered to me that my vehicle would be bought back from me with out taking a negative hit to my credit. I eventually got a XXXX XXXX XXXX Bridgecrest financed again Account # XXXX. My interest Rate went up because what I finally found out after calling with Bridgecrest and XXXX is that when they bought my vehicle back even though I had made every payment on time they would have the credit Beauru to delete my on time payments that I had worked hard on and know when I bought my new vehicle my interest rate went up because of my credit score. SO I am out the 6 months of onetime payments I had paid towards my other car and my credit score is unchanged or worst. I was never told that my credit score would change like that after switching out into a new vehicle.
Consumer complaint received 2020-11-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I closed on my Bank of America home loan on XX/XX/2020. After several attempts in person, over the phone and on social media, Ive had enough! The complaint is that they are holding my overpayment from the payoff of the mortgage and they have yet to send me a satisfaction of mortgage and the excess funds. Bank of America is a conglomerate and here I am barely surviving! Every time I contact them they tell me someone will reach out and they never do. Im seeking in excess of what they owe for what they have done to affect my life.
Consumer complaint received 2020-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Consumer complaint received 2020-02-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I wrote Credit Bureau on multiple occasions asking to verify a bankruptcy on my credit report. I asked to verify when it was reported, who they talked to, phone number called, etc. They wrote back and just said verified. They never would give me what I asked for.
Consumer complaint received 2023-03-13
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  : account # XXXX, XXXX XXXX : account # 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 2020-11-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/XXXX I was awarded XXXX ( Ill attach the paper ) like many my edd was frauded I won the money n in XXXX when the state tried changing things anyone who made a fraud claim I guess got there charges added while they did identity checks I called XXXX they said I was a real case n my account was valid they said b of a had to put the money back .... after weeks of b of a saying XXXX has to pay u they finally said yes we need to XXXX open ur claim n take them off weeks go by n Im told my case is being worked on then XX/XX/XXXX when I was told XXXX XXXX my money they said they might not re open it.. I already won it I was negative XXXX missed payments of XXXX XXXX XXXX XXXX its finally back positive XXXX Im XXXX in the hole Ive lost my bank account bc had to over draw it my family wont talk to me bc I have to borrow money there killing me.. I need help they give me the run around n this is a claim I already won .. pls help me Im on the streets bc this its not right
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

XXXX XXXX XXXX Orginal Creditor : XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Amount Paid : {$610.00} Payment Date : XX/XX/XXXX I called into XXXX XXXX on XX/XX/XXXX to agree to pay to delete off my credit report. I spoke with XXXX XXXX XXXX he advised me that if I can off my account this will be removed from my credit report. I filed a dispute with XXXX and the dispute came back as updated as information is correct. I called XXXX XX/XX/XXXX to get an update and what is going on with account being deleted off my credit report. Rep advised me that they do not honor the pay to delete off account. I advised that previous rep stated it will be. He transferred me over to supervisor XXXX XXXX and he advised me there is no record of previous rep adving me of that. I asked for the call to be pulled he advised that I needed to call XXXX. I advised that y'all bought the account from XXXX  why would I need to talk to dish.
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

-- -- - XXXX, XXXX, XX/XX/2020 Payment Histories Missing On My Credit Report -- -- XXXX XXXX XXXX XXXX XXXX  ) has made the mistake to put my account under forbearance in XX/XX/XXXX/XX/XX/XXXX, without my authorization or knowledge ( As a matter of fact, I have automatic payment setup. In each month 's XXXX, the monthly mortgage was paid in full ). 

I have noticed this issue ( my account was marked as " forbearance '' ) in XX/XX/2020 on my credit report ( when I tried to get a new home loan from another new bank ), I have contacted them immediately and asked them to fix this error and provide me a letter ( details please see below asks ). The " forbearance '' issue itself seemed to be fixed by now. However, on my credit report, the payment histories for XXXX, XXXX, XX/XX/2020 were all missing. My new bank will not be able to approve my new loan because of these issues of missing payment histories. 

I have contacted XX/XX/XXXX more than 20 times since XX/XX/XXXX by phone to ask XXXX to do 2 things : ( 1 ) report my XXXX, XXXX, XX/XX/2020 payment histories to Experian, XXXX, XXXX  to fix the missing data issue. 

( 2 ) Provide me a letter with shows my account has never been under forbearance and my payment histories for all past 12 months.

However, after waiting for more than 3 weeks, and countless emails / phone calls / talks with multiple supervisors, I have not been able to get either one of the above 2 things.

Without this issue fixed, My new bank can not process my new loan application, therefore I will need XX/XX/XXXX help immediately to get this fixed.
Consumer complaint received 2020-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

IVE ATTACHED USAA PAYMENT HISTORYS FOR ACCOUNTS THAT WERE CLOSED/CHARGED OFF BY USAA. THESE ACCOUNTS HAVE CAUSED A SNOW-BALL CATASTROPHIC PLUNGE TO MY SCORE OF XXXX! MY ATTACHED CREDIT PAYMENT HISTORY WILL CLEARLY DEMONSTRATE HEALTHLY CONSUMER ACTIVITY PRIOR/LEADING TO THE 2020 PANDEMIC. MY UNUSUAL PAYMENT ACTIVITY IS SOLELY DUE TO COVID 'S PANDEMIC IN WHICH I'VE STRESSED TO USAA. IM LABLED AS A HIGH-RISK CONSUMER WHICH IS INCORRECT & FALSE. USAAS UNWILLINGNESS TO TAKE THE TIME TO PHYSICALLY REVIEW MY CREDIT HISTORY INORDER TO MAKE AN ACCURATE AND SOUND CREDIT DECISION PER REQUEST HAS LEFT ME CONFUSED THIS ENTIRE YEAR. HAS CAUSED A BIGGER ISSUE IN REGARDS TO MY CREDIT SCORE. I NEVER KNEW XXXX CREDIT SCORES WERE EVEN POSSIBLE! USAA CONSUMER REPORTING IN 2020 HAS MISREPRESENTED MY TRUE CONSUMER IDENTITY. I UNDERSTAND FINANCIAL INSTITUTIONS HAVE RULES AND GUIDELINES. I TAKE FULL FINANCIAL RESPONSIBILITY FOR MY ACTIONS. I'M LEFT CONFUSED, NOT ONE USAA REP TOOK THE TIME TO LOOK INTO MY CREDIT HISTORY TO ACCURATELY GAIN A BETTER UNDERSTANDING & PERSPECTIVE ON WHO I AM AS A XXXX VETERAN CONSUMER. POSITIVE REPORTING CLEARLY DISPLAYED IN MY CONSUMER CREDIT REPORT PRIOR TO 2020. IVE INFORMED USAA OF MY HARDSHIP '' AT LEAST 6 TIMES A MONTH. BUT IM CONSTANTLY DENIED ASSISTANCE DO TO " NOT QUALIFIED '' TO RECIEVE NOR PARTICIPATE IN ANY USAA AID RELIEF PROGRAMS. BUT, REP REQUEST PAYMENT FOR PAST DUE ACCOUNT. C'MON. MY ENTIRE CREDIT HISTORY HAS BEEN DESTROYED ALL IN 10 MONTHS. ECONOMY DOWN ( SLOWLY PICKING BACK UP NOW ), ZERO AID RELIEF THIS ENTIRE PANDEMIC, WIPED OUT CHECKING & SAVING TO SUPPORT MY XXXX KIDS AS A SINGLE DAD. I COULD CARE LESS ABOUT MY CHECKINGS ANDS SAVINGS ACCT. ITS MY CREDIT I TAKE PRIDE IN. WITH A CURRENTXX/XX/XXXX CREDIT SCORE, THATS AN INACCURATE AND COMPLETE MISREPRESENTATION OF MY TRUE CONSUMER ID. ALSO, LENDERS REFUSE TO GRANT ANY FINANCIAL REQUEST. MY XXXX TODDLERS AND I HAVE BEEN THROUGH LIFE CHANGING EVENTS AND SEVERELY PENALIZED DUE TO CONSUMER REPORTING INACCURACIES. I'VE PLEADED WITH USAA, PLEASE BASE ANY/ALL CREDIT DECISIONS PRIOR TO 2020 WHICH WAS DISREGARDED. AND CONSEQUENTLY, I NOW HAVE " XXXX '' RESOURCES DUE TO INACCURACIES LISTED ON 2020 CREDIT REPORT. AS A XXXX XXXX XXXX VET BATTLING XX/XX/XXXX, AND 11 GOOD YRS BANKING WITH USAA. WOULD HAVE NEVER IMAGINE USAA WOULD CLOSE THERE DOORS ON ME AND MY FAMILY DURING NATIONAL DISASTER
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

-- -- - XXXX, XXXX, XX/XX/2020 Payment Histories Missing On My Credit Report -- -- XXXX XXXX XXXX ( XXXX  ) has made the mistake to put my account under forbearance in XXXX/XX/XX/2020, without my authorization or knowledge ( As a matter of fact, I have automatic payment setup. In each month 's XXXX, the monthly mortgage was paid in full ). 

I have noticed this issue ( my account was marked as " forbearance '' ) in XX/XX/2020 on my credit report ( when I tried to get a new home loan from another new bank ), I have contacted them immediately and asked them to fix this error and provide me a letter ( details please see below asks ). The " forbearance '' issue itself seemed to be fixed by now. However, on my credit report, the payment histories for XXXX, XXXX, XX/XX/2020 were all missing. My new bank will not be able to approve my new loan because of these issues of missing payment histories. 

I have contacted XXXX XXXX XXXX more than 20 times since XX/XX/XXXX by phone to ask XXXX to do 2 things : ( 1 ) report my XXXX, XXXX, XX/XX/2020 payment histories to XXXX, TransUnion, XXXX  to fix the missing data issue. 

( 2 ) Provide me a letter with shows my account has never been under forbearance and my payment histories for all past 12 months.

However, after waiting for more than 3 weeks, and countless emails / phone calls / talks with multiple supervisors, I have not been able to get either one of the above 2 things.

Without this issue fixed, My new bank can not process my new loan application, therefore I will need XXXX XXXX help immediately to get this fixed.
Consumer complaint received 2018-02-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: MoneyLion Inc. (OH)

I took a loan out for XXXX over a year ago, with this company online. I made the payments and then they started taking out every week. The amount paid was XXXX per week. I contacted the company and spoke with a representative and advised it needed to stop, I set up fraud with my bank to have them stop. I got a new debit card. Last week I had a hit of over XXXX via ACH to my checking account, which is insane. I have attempted to contact the company but no one will follow up. I can't afford this kind of withdrawal, especially when I reached out to the company and had advised them to stop taking this out. Currently I have opened up another case with my bank. I had made several payments of over XXXX which should have paid in full and then they still take money out. I thought that was stopped and then they do this 6 months later.
Consumer complaint received 2020-11-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (TN)

On XXXX the XXXX I made a purchase through the Paypal platform for 1 gaming system for {$99.00}. The merchant listing on paypal did not reveal that the merchant was not located in the United States of America and in addition, I was charged for 3 gaming systems instead of 1 and I was charged for the amount totaling XXXX. After reading a policy of paypal I took the step required of contacting the merchant who was unresponsive, and I contacted paypal to advise and dispute and my paypal declined to offer any remedy for the transaction, and paypal have failed to offer any assistance with communicating with the XXXX merchant or recouping the funds. 

Item # XXXX XXXX ID : XXXX
Consumer complaint received 2022-03-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Start Connecting dba USA Student Debt Relief (OH)

I contacted USA student loans asking with help to get an accurate and genuine application, for getting my student loans forgiven. They lied and consolidated the loans and asked for {$100.00}. Turns out their fraudulent and is not a real company. They leaked my SSN number on the dark web. I obtained this information through checking my credit score through XXXX XXXX
Consumer complaint received 2022-04-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC (VA)

My loan was in forbearance with XXXX XXXX and was sold to Gregory Funding. Once Gregory Funding took over my loan, they did not honor my forbearance and they are requiring payment of all of the amount that was put into forbearance. So they are saying that I am behind on payments and the entire {$25000.00} is due immediately. Even though I am making my monthly payments they are charging me a monthly late fee.
Consumer complaint received 2024-03-05
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.