davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (FL)

We recently added land line service to our home. We got a phone number, roughly 3 months ago. Apparently, the previous owner of the phone number, who we do not know or have any idea who they are, owes de bt. One particu lar agency calls everyday. Both myself and my husband have returned the call to tell them we only just got the number. And no idea who they are trying to reach. They say they will remove number but continue to call.   They leave message to call  XXXX  right away, but caller ID shows number as  XXXX  and unknown name.
Consumer complaint received 2021-06-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My XXXX passed away on XX/XX/XXXX. At the present time I was with Bank of America, XXXX XXXX. Due to BOA and their problems at the time, I was refused many times for a modification. Claiming I was not that of a normal person, I wasn't living in the house which I was. Denial after denial. Failed Then the Mortgage was sold to XXXX XXXX. in XXXX falling behind and having to use my annuity from my husband to keep up with mortgage. When the XXXX took over in XXXX it was noticed by myself that the mortgage was refinanced without my knowing. My XXXX  husband 's Social Security income was used and also my annuity as income. Fraudulenty changing the interest rate from 7.65 %. I asked XXXX XXXX about this many times. I then again tried with XXXX XXXX  for modification and turned down due to have my rate dropped down to 2 % and mortgage never changed in what was payable. Still pay over XXXX per month. 
Then it was changed to XXXX XXXX. I explained many times that I never refinanced the home at it was just changed over to XXXX XXXX XXXX. As I was not on the Note but the Deed and mortgage. Same situation, no one would listen and turned down constantly for a modification. It was fixed so I couldn't modify at 2 %. While all this time was being put in more debt all along. I was forced to sell my home as it was being watched by XXXX XXXX and pictures taken at least once a month. Mortgage was at XXXX a month. In XXXX Principal balance was XXXX. In XXXX I owed BOA XXXX My mortgage went up to XXXX so my questions were never answered by any of the 3 Banks. Here I sit in XXXX dollar mobile home in Florida that is falling apart. All of the mental diress that I had to struggle through because of all this fraud. So therefore, the monies paid were all fraudulent. Denials, I do have much paper work still to show what was happening to me ... XXXX XXXX XXXX XXXX Attorney office was also of no help to me. Went to Attorney General office in XXXX, Ma for help. All programs just slammed me into a wall.
Consumer complaint received 2019-08-02
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. (FL)

I initially co-signed a loan for my son in 2015. That car was eventually totaled in an accident. When my son bought a new car from the same dealer, the dealer submitted my credit information without my consent or signature. ( account # XXXX ) When my son missed a payment late last year, it negatively impacted my credit score. I filed a dispute early this year which was rejected by XXXX. I contacted them directly back in XXXX, and they admitted that the dealer fraudulently entered my credit info, and that they'd call back in a few days and have it removed from my credit history. I've never received a return call, and the negative information still appears on my credit bureau. I called and after a 30 minute hold, I was just told by a supervisor ( XXXX XXXX ) that it's still being investigated and that he'd submit the complaint again, but there's not much more he can do.
Consumer complaint received 2022-09-26
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. (TN)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an account left that need to be removed or Block. Per FCRA section 605 you are required to remove any account listed on ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

DPT EDXXXX XXXX
Consumer complaint received 2022-12-03
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Dept of EdXXXX XXXX XXXX XXXX XXXX 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 consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The Credit Bureaus known as XXXX, TransUnion, and XXXX  are still reporting old inquiries from more than 2 years ago. these inquiries are hindering me from get approved for a new line of credit. I demand these inquiries need to be deleted immediately. 

Furthermore XXXX, TransUnion, and XXXX  are reporting addresses that I never resided at. The addresses " XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX '' needs to be removed from my credit report immediately. 

15 USC 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

You have violated 15 USC 1881 ( 4 ) for that reason your inaccurate reporting hurt my ability to obtain new credit.
Consumer complaint received 2022-07-07
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-06-15
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: JPMORGAN CHASE & CO. (FL)

Chase credit card services is refusing to close a fraudulent charge claim.represenatives claim theyre investigating but refuse to release details that I'm entitled too.a 5 minute call should be all it takes to finalize my claim.this bank has not protected me from a fraudulent charge.ive made numerous complaints all that's left is for me to seek litigation.
Consumer complaint received 2021-06-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (TX)

I sent a complaint to you On XX/XX/XXXX. My complaint is about how my payments that I gave to XXXX XXXX XXXX were not applied correctly and when my loan was sold or transferred to another bank the loan balance transferred with an incorrect balance. I paid XXXX XXXX XXXX from XX/XX/XXXX to XXXX XXXX XXXX {$1200.00}. My balance never changed. See attachment. My complaint is the balance of my loan that was transferred. The new XXXX XXXX account # XXXX has previously stated that My loan was not sold to them that it was transferred. I have a copy of the letter that it was sold. I received a response about what happened, but not why my balance was never lowered after making over {$29000.00} of payments. XXXX XXXX XXXX did not send information that I paid in the year XXXX. Please help.
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-15
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. (AL)

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

5. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Consumer complaint received 2023-12-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IL)

I placed an order online from boschdevice.com for {$150.00}. the website turned out to be bogus. The transaction ended up stating it was from tiktok but I've never used tiktok before ever. so I told PayPal what happened and filed a dispute. They said they would investigate and let me know but I stead they denied it without saying anything. So I contacted them again and asked why and had to explain what happened again. Then as I went through all the info I had about the company I ordered from I discovered they use several different business names then somehow the end transaction says it's from XXXX XXXX. The only reason I decided to order was because they accepted PayPal for payment and I know they have a protection for buyers using them so I thought I was safe. I spoke to PayPal at XXXX point and they said not to worry that I was covered by their protection. Then they denied it! Since then I've filed disputes XXXX or XXXX more times and they've all been denied without any reason or anything! I'm so frustrated!
Consumer complaint received 2022-07-07
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: Experian Information Solutions Inc. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts and Inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XX/XX/XXXX- The inquiry was not Authorized XXXX XXXX XX/XX/XXXX - The inquiry was not Authorized XXXX  XXXX XX/XX/XXXX - The inquiry was not Authorized XXXX XXXX XXXX XXXXXX/XX/XXXX - The inquiry was not Authorized XXXX XXXX  - XX/XX/XXXX - The inquiry was not Authorized XXXX XXXXXX/XX/XXXX - The inquiry was not Authorized XXXX XXXXXX/XX/XXXX - The inquiry was not Authorized US SM BUS ADMIN ODA XX/XX/XXXX XXXX The inquiry was not Authorized XXXX XXXX  - XX/XX/XXXX - The inquiry was not Authorized XXXX XXXX XXXX XX/XX/XXXX - The inquiry was not Authorized XXXX  XXXX XX/XX/XXXX - The inquiry was not Authorized XXXX XXXX  XX/XX/XXXX - The inquiry was not Authorized XXXX XXXX  XX/XX/XXXX - The inquiry was not Authorized XXXX XX/XX/XXXX- The inquiry was not Authorized ACCOUNTS : XXXX XXXX  XXXX XXXX - This account has never been late, update this item to paid as agreed XXXX XXXX - This account has never been late, update this item to paid as agreed XXXX XXXX  XXXX - This account was never late, update this item to paid as agreed XXXX  XXXX - This account was never late, update this item to paid as agreed XXXX XXXX  XXXX- Not reporting accurately under 1682e ( b ) XXXX XXXX XXXX - UNDER 1692j, cease and desist asap XXXX XXXX- Not reporting accurately, it says open but collections ? Delete this asap 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 2022-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (FL)

I was a Suntrust customer since the merger of the XXXX banks i haven't been able to register for online access I have went to the bank around a year ago it was supposed to be taken care of Now I'm getting weaker due to complications of my health declining from XXXX im unable to leave my house I have call no help or long holds
Consumer complaint received 2022-07-07
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. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts and Inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XX/XX/XXXX- The inquiry was not Authorized XXXX XXXX XX/XX/XXXX - The inquiry was not Authorized XXXX  XXXX XX/XX/XXXX - The inquiry was not Authorized XXXX XXXX XXXX  XX/XX/XXXX - The inquiry was not Authorized XXXX XXXX  - XX/XX/XXXX - The inquiry was not Authorized XXXX XXXXXX/XX/XXXX - The inquiry was not Authorized XXXX XXXXXX/XX/XXXX - The inquiry was not Authorized US SM BUS ADMIN XXXX XX/XX/XXXX XXXX The inquiry was not Authorized XXXX XXXX  - XX/XX/XXXX - The inquiry was not Authorized XXXX XXXX XXXX XX/XX/XXXX - The inquiry was not Authorized XXXX  XXXX XX/XX/XXXX - The inquiry was not Authorized XXXX XXXX XX/XX/XXXX - The inquiry was not Authorized XXXX XXXX  XX/XX/XXXX - The inquiry was not Authorized XXXX XX/XX/XXXX- The inquiry was not Authorized ACCOUNTS : XXXX XXXX  XXXX XXXX - This account has never been late, update this item to paid as agreed XXXX XXXX - This account has never been late, update this item to paid as agreed XXXX XXXX  XXXX - This account was never late, update this item to paid as agreed XXXX  XXXX - This account was never late, update this item to paid as agreed XXXX XXXX XXXX- Not reporting accurately under 1682e ( b ) XXXX XXXX  XXXX - UNDER 1692j, cease and desist asap XXXX XXXX- Not reporting accurately, it says open but collections ? Delete this asap 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 2021-06-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX  are reporting 3 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2023-12-13
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc. (TX)

Ordered clothes, never received the items. The clothing company said they were delivered to post office, the post office said they were delivered but I never received them. Live in gated community with lock boxes. In my opinion someone at post office took merchandise or they placed in wrong box. But I never received them. The credit card company said they can't take my word for it. I don't feel I should have to pay for something I did not get. I offered to pay a XXXX of the XXXX Dollars. But I still should not have to pay for something I did not get. I disputed with the Post office and they said it was delivered.the company said it was delivered to post office. the credit card company said I have to pay. I did not get the items. What should I do.
Consumer complaint received 2021-06-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (GA)

Please note that this complaint is against Wells Fargo : On XX/XX/XXXX I attempted to transfer {$1500.00} from my Wells Fargo account to my XXXX XXXX XXXX account. I tried to use my debit card on the latter bank on XX/XX/XXXX and it was declined. I checked my account and the transaction had been reversed somehow. This caused me to have a negative balance. So, instead of moving money from the Former bank account the transfer came from the bank that was supposed to originally receive the money. I have transferred money before and never had this problem. 
I called Wells Fargo to make sure that they cancelled the transaction in hopes that this would reverse the transaction and the money would not be accepted from XXXX XXXX XXXX. According to the agent I spoke with, the cancelled the transaction. 
Fast forward to the XXXX and I am not showing the transfer in the Wells Fargo account but I am still showing a negative balance in the bank account that was supposed to originally receive the transfer. 
I have called both banks numerous times. Wells Fargo has no documentation of a transfer or a deposit of funds from the latter bank. The other bank declares that Wells Fargo received the money. 
Please note the attached screenshot that is the only evidence that is obtainable. It shows the wrong transfer from the latter institution to the original bank that was supposed to transfer the funds. 
It is very disappointing, today, in 2021 a bank does not have the capacity to keep up with its transactions and mysteriously I have no record of any of the events that have occurred in the past 9 days.
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously