davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-25
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)

I HAVE CONTACTED TRANSUNION MULTIPLE TIMES AND THEY HAVE FAILED TO INVESTIGATE MY DISPUTES. IVE PERSONALLY WENT TO A NOTARY AND NOTARIZED ALL MY PAPERWORK LETTING TRANSUNION KNOW THAT I AM THE PERSON DISPUTING THESE FRAUD ACCOUNTS ON MY CONSUMER REPORT! THEY HAVE FAILED TO UPHOLD THE CONSUMER LAW! TRANSUNION IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 ( A ) ( 4 ). TRANSUNION HAS NO PERMISSION TO REPORT ANYTHING USING MY INFO WITHOUT MY WRITTEN CONSENT PURSUANT TO 15 USC 1681B. THEY HAVE BROKE THE FEDERAL CONSUMER LAW!
Consumer complaint received 2022-02-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

Seller email : XXXX I went to a website ( XXXX XXXX XXXX  ) to buy a XXXX XXXX XXXX XXXX XXXX for {$66.00}. I click on PayPal payment & it went to XXXX XXXX but not his company. He sent me an email with an order # ( Order Number : XXXX Products { " XXXX '' : '' XXXX XXXX '' , '' qty '' : '' 1 '', '' price '' : '' XXXX '' } Total : {$66.00} ) and never heard from him again. I tried to contact him XXXX  times via the same email : r <Service Customer XXXX XXXX, but no answer, seem wrong email. 
I really need this investigated to get my merchandise or my money back. 
I tried to get my money back through XXXX XXXX  or PayPal but they told me that they can not help me recover my money back. 
Appreciate Thanks
Consumer complaint received 2021-10-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

Bank of America which we had deal with for many years charged a large bill on our account. This was XXXX or XX/XX/2021, we disputed the bill and they agreed it was fraud and put it off. Then it was put back on.We contacted them and they agreed and so on. They put it back on. It had charges out of our state. One day a couple of months ago a fellow said he knew we did the charge and refused to send copies or work with us.
Consumer complaint received 2022-12-02
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. (MI)

Equifax is not properly investigating my disputes. I have mailed them a XXXX page dispute letter certified mail. I am requesting that they complete a thorough investigation as stated on the letter
Consumer complaint received 2022-02-25
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. (FL)

An illegal re aging of an account has been done on my credit report and this is a clear violation of the Fair Credit Reporting Act. On my credit report it is saying that the XXXX  XXXX XXXX account that is been reported is 1 year, 3 months and 14 days old and this is false. Re-aging of any account is illegal and once this done then this violates the Fair Credit Reporting Act and both the creditor and credit bureau can be sued because of this and because a re- aging of the account has been done then according to the Fair Credit Reporting Act, this account should be deleted from the credit report immediately. A failure to delete it then gives me the right to take legal action to get the matter fixed or get some form of financial compensation. 
Delete XXXX  XXXX XXXX from my account immediately.
Consumer complaint received 2022-02-25
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 have sent multiple letters by mail to the credit bureaus ( XXXX, TransUnion, and XXXX ) regarding errors on my consumer credit report beginning with wrong personal information. It has literally been over 6 months since I've been sending them letters month after month and they have failed to correct my credit report and remove the wrong information I clearly listed out for them in my letters. They have incorrect current and previous addresses reporting on my credit report that despite my multiple attempts to have them correct the issue they have failed to supply any information to me and have failed to verify those addresses and furthermore have completely ignored me. I am to my wit 's end and I do not know what else to do. I am in fear and devasted that I have information reporting on my report of places I've never lived or even visited. My biggest fear of all is identity theft, as is everyone. I ask that you PLEASE help me and make them comply with the laws and assert my legal rights. Thank you.
Consumer complaint received 2019-05-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

i was denied a loan modifications by wells fargo i agreed to do a short sale on my home to avoid it affecting my credit showing a foreclosure and also to get help relocating now i am being told i am denied that as well in the most recent letter i received from wellsfargo it states events which never occurred while i was waiting approval for short sale i recorded the conversation with me and the rep and my agent and at no time were items stated in the letter occurred during this phone call i will have this transcribed and available as evidence this they have not provided their call records for review i sense some retaliation from the rep who notated my account incorrectly causing the decision to be made on my account we cooperated with everything asked of us for this to be approved the bank delayed intentionally to void the first appraisal and there after didn't not get back to us timely on the count term offer their response letter states all lies my attorney can attest along with all parties who have address this shortsale request my Attorney can attest he submitted the counter with no acknowledgment till days later for a request to resend which he did their later claimed info was requested and not submitted which is not the case and a lie.. 

wellsfargo has treated me with deceitful practices their actions on my loan mod and shortsale requests have been unfair i am accusing wells fargo of fraud, negligence, breach of fiduciary duty, and breach of contract at this point due to the outcome of my requests over the last 4 years. 

i believe they denied my mortgage loan modification due to a calculation error in their banks software tool because even after my husbands income they state they can not offer me a loan mode that we can afford
Consumer complaint received 2022-02-25
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2021-10-28
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: First Investors Servicing Corporation, Atlanta, GA Branch (CA)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.
Consumer complaint received 2022-02-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (TX)

I have a collection on my credit repot from NCB MANAGEMENT SERVICE Original creditor : XXXX XXXX XXXX XXXX. I have no idea where this account came from and reached out to this company several times a d I have gotten no verification of this account and I'd like it deleted from credit reports
Consumer complaint received 2022-12-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

On XX/XX/2022, I signed up for a membership with XXXX XXXX XXXX XXXX for two memberships totaling XXXX a month. Beginning in XX/XX/2022 to XX/XX/2022, the company fraudulently charged by for three memberships totaling {$41.00}. Accordingly, I contacted the company to resolve the matter and provided documentation to support that I only signed up for two membership however they would not remove the third membership and refund me monies owed. 

I contacted Capital One and provided documentation to show that I was being overcharged and requested for them to refund me {$15.00} dollars. Additionally, I also told the representative to stop all future payments from XXXX XXXX because they were overcharging me. I email all documentation and Capital One refunded me the {$15.00} dollars. However, the representative did not put a stop payment requested and allowed my account to be billed another month after I filed initial claims. XXXX initially credited by account for the {$41.00} but XXXX XXXX provided documentation to show I authorized the charge. Capital One has failed to properly research my claims and authorized another charge when I clearly told the representative to stop all future payments because I was being over charged in violation of my consumer protection rights. I Requesting of Capital One to credit my account for the {$41.00} because I informed the company timely to stop al future payments due to over billing. It does not make any sense why the would deny my claim when my account was issued credits for the {$15.00} for overcharges. It is very clear someone is not researching and reviewing the notes nor documentation submitted for my prior claims. I am extremely frustrated with this process as my consumer protection rights are being violated.
Consumer complaint received 2022-02-25
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: Aldous & Associates, PLLC (NY)

Aldous & Associates/ XXXX XXXX XXXX, XXXX XXXX Utah XXXX XXXX, United States XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/2022 NOTICE TO CEASE AND DESIST I am hereby notifying you ALDOUS AND ASSOCIATES that I refuse to pay this alleged debt in full accordance with 15 usc 1692c ( c ). I demand that you cease and desist all collections attempts and reportings on this alleged debt. 

I never signed a contract with ALDOUS AND ASSOCIATES and you have usedmy personal information without my consent. You have violated my consumer rights pursuant to 15 usc 1681b.

You have caused my phone to ring at inconvenience times, while Im even at work in with connection of this alleged debt without my permission. This type of harassment is strictly prohibited by law pursuant to 15 usc 1692d ( 5 ).

I am invoking my specified remedy as a consumer and account administrator with the demands listed below : 1. Stop negatively reporting and remove this alleged debt from all reporting agencies.

2. Stop infringing on my intellectual property rights immediately.

3. Provide an original contract with wet endorsement as well as a full audit trail of alleged debt.

Failure to comply with consumer demands will result in litigation.

I do not consent to XXXX or any other means of automated verification.
Consumer complaint received 2022-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2022 I used a Bank of America ATM at XXXX XXXX XXXX XXXX, XXXX, Illinois to withdraw {$460.00} from my checking account. Before the cash was dispersed, the ATM required me to take the card from the machine, but in this instance the ATM did not eject the card far enough for me to be able to grab it. I tried for about a minute but was not successful in getting it out of the machine. The machine then swallowed my card and cancelled the transaction. Although my account was debited {$460.00} I did not receive those funds. 

Today I called Bank of America and they will not credit my account until XX/XX/2022. They state the reasoning is because I had another claim on my account. I did, for {$9.00} - it was a recurring monthly charge for a service I cancelled and should not have been charged for - but that claim was resolved in my favor and the amount of legitimate claims I have should not matter ( if they were fraudulent I would understand ). 

A faulty ATM machine is an issue on Bank of America 's end and I should not have to waste hours of my time trying to get in touch with a representative to submit and follow up on this issue. Especially because it was one of Bank of America 's ATM machines, I should not be waiting two weeks for the funds to be credited back to my account. They must have record of the amount of cash that is in that machine. 

This is an unfair and shady business practice and is unacceptable.
Consumer complaint received 2021-06-12
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)

XX/XX/XXXX To Whom It May Concern : Equifax It has come to my attention that continued requests for removal of credit inquiries that do not belong to me are still entered as accounts on my credit report. You also have incorrect names and variations listed, which is not normal. There is an immediate request for removal and blockage of incorrect and mis-represented information. 
I have listed below, the companies that have somehow gained my information to place an inquiry on my report. I do not have any open lines of business with them or ever have intended to. 

Correct Home Address : XXXX XXXX XXXX XXXX, # XXXX XXXX NC XXXX Incorrect Address Info : XXXX XXXX XXXX XXXX, XXXX NC XXXX. 

I have never lived at these locations. I have been at my current home for the past 25 years. 
I have included a copy of my utility bill for verification. 

Several inquiries that I noticed that does not represent a request from me. They all need to be removed as ASAP.. 

XXXX XXXX XXXX SO XX/XX/XXXX XXXX  - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX EMAIL : XXXX XXXX XXXX : XX/XX/XXXX
Consumer complaint received 2022-02-25
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: ERC (IL)

I was contacted by ERC about a debt owed to them for another company XXXX XXXX. When I spoke with the representative I was told once collection was paid they will update and remove collection from credit. Instead it shows a charge off the negative reporting is affecting my credit score preventing me from loans
Consumer complaint received 2022-02-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

The person who did it XXXX XXXX date of birth XXXX XXXX she did sell unauthorized transfers from my bank account to hers made online cash app transfers and withdraw money at ATMs all are not authorized
Consumer complaint received 2022-02-04
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. (OH)

I have items that I have purchased via the company XXXX XXXX XXXX on credit. I have paid off several items dating back to XX/XX/XXXX to now XXXX of XXXX and haven't been late on one payment. None of this information is reflected on my credit report but derogatory marks are. The three companies that have missed this information are XXXX, Transunion and XXXX.
Consumer complaint received 2022-02-25
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: Resurgent Capital Services L.P. (NJ)

LVNV FUNDING, LLC LOCATED AT: C/O RESURGENT CAPITAL SERVICES, XXXX XXXX XXXX XXXX, SC XXXX ON XX/XX/XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNTOF XXXX AND ADDED A DEROGATORY MARK ON MY CREDIT REPORT PER XXXX XXXX. UPON FURTHER RESEARCH, THIS ACCOUNT WAS TRANSFERRED/SOLD AND I AM NO LONGER RESPONSIBLE FOR THIS ACCOUNT. DEBTORS CREDITOR DID NOT VERIFY THIS COLLECTION. ALSO, THERE WAS NO WRITTEN FORM OF COMMUNICATION, CONTRACT OR SIGNATURE FOR THIS ACCUSED DEBT AT ALL. A BILL WITHOUT A SIGNATURE DOES NOT VALIDATE THE DEBT AND NO ONE CAN SEND A BILL AND SAY ITS MINE. ACCORDING TO FCRA, LVNV FUNDING, LLC HAS VIOLATED MY RIGHTS AS AN CONSUMER AND I'M REQUESTING LEGAL ACTION TO REMOVE THIS ACCOUNT IMMEDIATELY.
Consumer complaint received 2021-10-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Quantum3 Group, LLC (AZ)

This card was part of a bk ( {$3800.00} XXXX XXXX XXXX, Quantum3 Group , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Washington XXXX Phone : XXXX Facsimile : XXXX Email : XXXX Website : XXXX Phone number sends me to voice mails no call back. Agents not willing to help resolve and is hindering the owner of the property to refinance, causing hardship to me and the property owner. I have sent the docs they request and still no action. I feel this company is purposely causing this hardship and their process is to hurt consumers during their recovery. - Requested for Lien Removal Attached is a copy of the court doc removing our attorney, I was shrugged off by Compliance Officer : XXXX XXXX XXXX saying to contact my attorney. My brother is unable to refinance his home and can't move forward. All other creditors have honored the BK and released judgements since the court trustee acknowledged the property on XXXX XXXX XXXX XXXX XXXX, AZ XXXX was no mine and I had not lived there in over 10 years nor had any part on any financial obligations towards the home. My brother, XXXX XXXX, is the sole property owner who is trying to move away from the existing Obama save the house loan, and go into a regular mortgage. Why would this company hold him back from progressing? Please help as this is causing a family hardship over a BK nearing 2 years ago. 

XXXX last message knowing I don't have an attorney : XXXX XXXX Mon, XX/XX/XXXX, XXXX XXXX ( 10 days ago ) Please talk to your bankruptcy attorney. Thank you. 

I don't understand how these company 's are legally allowed to collect on a BK when they are not in the State of AZ, I am not sure if they follow the rules for collections, and not being able to talk to someone is very frustrating.
Consumer complaint received 2022-02-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Recovery Systems, Ltd (TX)

On XX/XX/XXXX, I received a letter from Nationwide Recovery Systems ( date on letter is XX/XX/XXXX ), that said I owed an amount of XXXX for a medical bill from XXXX XXXX  XXXX from XX/XX/XXXX. This is the first time I have received the bill. When I called Nationwide, the agent did not have any information about the debt. When I asked for a phone number for the hospital, they said they could not provide that information and the debt had been sold to them. The letter said that I had 30 days to dispute the debt or they would consider the debt valid. However, when I asked them to mark the debt in dispute, they told me it was placed on my credit report in XXXX. No phone calls or previous documentation had been received. When I checked my credit report my score had dropped XXXX points. This has caused me great distress, especially since I take pride in my score and always pay my bills on time. My score was over 800 and now has dropped to the 750s. Also, I tried to find the phone number for the hospital online and it looks like they are no longer in business. How am I supposed to resolve this? Also, it looks like they are showing the collection on my credit report with a date of XX/XX/XXXX. How can they provide this date on something that is 4 years old? This is unfair and deceptive business practices and I plead with you to help me resolve this issue.
Consumer complaint received 2022-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have been closely monitoring my credit for the period of six months and requested for a validation of each fraudulent accounts listed on my report to be verified and validated with the original promissory note/letter. 
I received no remedy of result from this request. 
As time ensued, I discovered multiple consumer violations of 15 USC subsection 1681 ( c ), 15 USC subsection 1681g ( a ) ( 5 ) of which my information was sold causing me financial setback having negatively affected my acquisition of various items of necessity. Violation of 18 USC subsection 1028 A ( 1 ) where the knowingly transferring of my private identity without lawful authority. Several violations of Permissible Purpose reports 15 USC subsection B, where I gave no authority for reporting my credit scores.