davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (FL)

I sent out a letter to diversified consultant ( around XX/XX/XXXX or XX/XX/XXXX ) that I never had a debt of approximately {$1000.00} from a XXXX account because I never had service with XXXX. they sent me a random phone bill with a number I never owned. they removed it off of my account for one day in XX/XX/XXXX but was added back. they refuse to delete this account! Clearly I have been a victim of fraud and they can not prove this is my debt.
Consumer complaint received 2024-02-29
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (PA)

On two XXXX I tried to use my credit card from XXXX XXXX to pay for gasoline and it was denied and then called the credit card company who told me that the account was closed due to fraud. I asked to reported it and they said I did, but that wouldve been impossible because I was at work without access to any telephone up until the point when The credit card was denied at the gas station. I have since spoken to the executive office who told me they only take complaints. They dont do anything with credit cards. I talk to the credit card customer service who said they cant do anything because its the executive service I talk to the fraud department who says they dont even understand what happened and it has left me in a precarious position when I am traveling and I now am stuck without hotel. Any access to cash or food and the credit card company said someone will call you in XXXX hours. Thats the best we can do if you dont like it Tough
Consumer complaint received 2019-07-15
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (NY)

I paid my mortgage as usual, but then the amount was credited back. XXXX could not figure out what happened. I called XXXX XXXX to learn that they closed my account and transferred it to another company. The problem is on my credit report it just says account closed. This caused my credit score to go down 20 POINTS! I am in the process of planning to apply for a loan for my business next month. This error could ruin my potential business before it even starts. I have never made a late payment on mortgage for the 10 years I had it. This new company is a bank. The online system says they are only for making payments in an attempt to collect a debt.
Consumer complaint received 2018-01-29
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. (TX)

Transunion has been contacted by XXXX XXXX that inquiries on my credit report were fraudulent. I have contacted transunion several times about this and so has XXXX XXXX and they still refuse to remove these injuries that I didn't not authorize. I have a letter from transunion asking for the removal of these inquires.
Consumer complaint received 2018-01-29
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Kentucky Housing Corporation (KY)

Applied for the loan remodification through the federal government waited never received any kind of information was informed that I needed to be two payments behind so I let those go. Still waited. Received denial for loan remodification. Then issued foreclosure sale date. They informed me total amount of loan was " accelerated '' and full payment was due. Excessive late fees and miscalculated amounts was added. My {$110000.00} loan was {$140000.00} due to save house. I asked for to date pay off amount, they questioned and I replied I would list house and sell. They got angry and stalled my payoff request. I called two days after got a payoff amount. Contacted realtor invested all my money and listed house for payoff amount plus {$7000.00}. Had 45 days to sheriffs sale. Secured buyer and contract. Set closing date on sale 1 day prior to sheriffs auction. That day of closing at XXXX XXXX. My realtor was informed at XXXX by KY HOUSING CORP. THAT THE SALE WAS NO GOOD NOT ENOUGH TO COVER MY DEBT. THEY ADDED MORE ATTORNEYFEES EXCESSIVE PENALTIES TO SECURE MY HOUSE. Va loan was a check to them as well as auction amount. They put me a military veteran on the street with 0 zero nothing and stole my home. I am not trash i put all i had. Nicest house on block. Sold with contract in 30 days. They new I did all remodification on property. They wanted me to suffer and get nothing. They are criminals destroyed my relationship, Credit, AND EMBARASSED ME IN FRONT OF MY CHILDREN AND GRANDCHILDREN. PLEASE GIVE ME JUSTICE. MY LOAN ON HOUSE WAS INFLATED WASN'T NOTIFIED TILL I HAD TO SIGN PAPERS. I MADE {$13.00} HE AND NO WAY I COULD SURVIVE A {$900.00} MORTGAGE PAYMENT FROM THE START. XXXX XXXX THEN SOLD TO KY. HOUSING WHO PUT ME OUT LIKE A DOG. I SERVED OVERSEAS AND MY VA DEPARTMENT HELPED ME NONE. THEY CUT A CHECK TO KY. HOUSING AND KY. HOUSING DOUBLE UP WITH AUCTION $ $ AT MY EXPENSE AND MY CREDIT WAS DESTROYED. MY XXXX XXXX XXXX SPOUSE IS HAVING XXXX XXXX XXXX FROM THE XXXX  NEXT WEEK. I AM BETTER OFF XXXX NOW. PLEASE GIVE ME JUSTICE. INVESTIGATE XXXX XXXX, EXCESSIVE FEES AND ACCELERATED LOAN AMOUNT, AND VA PAYMENT TO KY.HOUSING AND THE AUCTION ITSELF. THEY ALL DID ME ROTTEN AND I AM A FULL TIME EMPLOYED HOMELESS VETERAN WISHING I WAS XXXX. THANK YOU FOR YOUR TIME AND CONSIDERATION. XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (VA)

Since XX/XX/2017, our mortgage was sold to Selene Finance.  Since XXXX we have constant issues to the point that we have lost sleep, stress, had major anxiety issues, and had to hire an attorney because we received 2 letters of default even though we have been paying the mortgage. The Customer service department at selene Finance has told us repeatedly we could have our mortgage money deposited into an account that would be applied to our mortgage ( they never check on it ). After hiring an attorney and the company taking out all of our escrow account money even going into the negative balance we still can't resolve all our issues. 
1. We found out we have been overpaying our mortgage 2. They charged us more money for taxes than what the city statement says 3. Our escrow is not where it should be, money is missing. No one at the company has contacted me to tell me anything in regards to why.

4. They have charged me late fees and i've constantly wrote the dispute department to get this resolved as the customer service department recommended ( With XXXX ). 
I want to know where my overpaid money is? where is my missing escrow money? why will the late fee not go away when Selene is the issue?

I have never been late on mortgage till this company and I'm doing everything in my power to fix my issue and I want to do everything I can to keep others from having the same problem. Selene Finance fails to communicate, customers can not reach the departments that manage the issue going on and the departments within the company don't talk to each other.
Consumer complaint received 2019-01-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (NY)

XXXX  's website does not allow access to credit card information online anymore. Every time I call they try and tell me it must be my browser. After arguing repeatedly with customer service they admit they are having technical issues with the website. This is unacceptable in this day and age. Its absolutely ridiculous that I can not monitor activity on my account.
Consumer complaint received 2019-01-04
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: Experian Information Solutions Inc. (GA)

I have not received my confirmation on how you verified the alleged accounts in Exhibit C and therefore request that you consider this final notice to your offices. Past this point the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of me trying to rectify the subterfuge you are reporting. ****(copied from the affidavit attached)*****
Consumer complaint received 2018-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

On XX/XX/2014 XXXX XXXX XXXX reported a 30-59 day late defame remark on my credit report. Loan has allways been on time and XXXX failed to provide evidence proof of late on following statement no correspondence has been provided. Via phone, email, or statement incorrect remark please remove.
Consumer complaint received 2019-01-04
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. (GA)

I have not received my confirmation on how you verified the alleged accounts in Exhibit C and therefore request that you consider this final notice to your offices. Past this point the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of me trying to rectify the subterfuge you are reporting. ****(copied from the affidavit attached)*****
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 2019-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I pulled my Credit report from Experian XXXX XXXX XXXX. Amazingly my XXXX XXXX was finally BACK to where it was a minimum of XXXX months ago and get this BEFORE I paid down multiple accounts. To tell me this score and report is NOT incorrect is demeaning and frankly insulting. They can NEVER calculate the correct score for anyone because their information can be XXXX or more months old. You on the other hand profess to be a consumer " protection '' agency while this continues unabated impacting millions of Americans forcing adverse action or high interest rates. Frankly other Americans are too XXXX to recognize the fraud and it is fraud when one deliberately provides false or misleading information. The consumer suffers penalties for that, these agencies NADA. I don't give a XXXX let them wake up. I just want me and mine to have their right scores. Rhetorically, do you think as honorable ethical people you can get that done? XXXX Experian data XX/XX/2019 2019
Consumer complaint received 2023-07-29
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. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-08-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

I ran a transaction on my customers card, no problem, but due to problems getting parts due to the supply chain issue the customer got angry and did a chargeback for XXXX dollars. The bank ruled against my customer and in my favor, my customer sent me a copy of the letter he received from his bank stating they ruled against him, I sent you Square a copy of that letter three times and you are refusing to acknowledge it stating that the bank ruled in the customers favor, when we ask you for confirmation of that byway of either a letter or e-mail transcript from the bank you have refused every time. 
Your dispute team has suggested to recharge my customer card so you can fraudulently keep the fraudulent balance of XXXX dollars on my account. You also suggested that I take legal action against my customer to get the money WHAT?? What drugs are you on? To demand that I do any such thing to my client who has as well spoken to you and verified that his bank ruled against him. Therefore, after many attempts to resolve this matter you continue to refuse to clear that fraudulent balance off my account leaving me no alternative but to take legal action against you.
Consumer complaint received 2023-03-23
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. (SC)

I told them that I am not a student at XXXX XXXX XXXX  XXXX and I never sign for a student loan for {$9600.00} as reported on my Equifax credit report. I would like for this account to be removed immediately from my Equifax credit report.
Consumer complaint received 2023-03-23
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. (PA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. I've disputed these accounts highlighting the inaccurate and incomplete information reporting, and these companies continue to violate my rights. please help me solve these issues. 

Thanks
Consumer complaint received 2019-07-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optio Solutions, LLC (NC)

I tried to contact this collection company, Qualia Collection Services in reference to XXXX XXXX/XXXX   asking them to send me Vertifiable Proof ( Original Consumer Contract with my signature on it ) stating the debt of {$790.00} is mine. They have failed to vertify this account which has hurt my ability to obtain credit. This collection company has only sent 1 collection letter and I have sent them 4 dispute letters and have never received an response from them. This account doesn't belong to me. Under the FCRA, unverified accounts must be deleted if the company is unable to provide me a copy of vertifiable proof and this company is refusing to do so. Please assit in having this account remove from my XXXX, XXXX and XXXX Credit Report.
Consumer complaint received 2024-02-28
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. (FL)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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.

While I appreciate your explanation regarding the Cardmember Agreement and the company 's compliance with relevant laws, I must reiterate the importance of rectifying inaccuracies on my credit report. As a responsible consumer, it's crucial for me to ensure that the information reported to credit agencies accurately reflects my financial activity and status.

I understand your stance on declining my request for an update directly ; however, I will proceed to send a copy of my current credit report, highlighting the discrepancies, to the provided address at XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. 

Regarding the allegation of violating laws, I would appreciate further clarification on how the company is ensuring compliance with the Fair Credit Reporting Act and other applicable regulations. Could you provide more insight into the steps being taken to ensure accurate reporting and consumer privacy?

Moreover, while I respect the decision to decline compensation, I seek reassurance that the matter will be thoroughly investigated for compliance verification and that these late payments will be removed from my credit report.

Thank you for your attention to this matter. I look forward to a constructive resolution.
Consumer complaint received 2023-07-29
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. (SC)

I submitted this complaint to update this suspicious information. EQUIFAX and XXXX Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX BalanceOwed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$0.00}.
Consumer complaint received 2019-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The following accounts are fraudulent accounts that's reporting on my credit file. These accounts I have no knowledge of nor could I explain their assistance. I'm asking for the credit reporting agencies to remove these accounts immediately or making a physical shown of why you are continuing to report such unauthorized accounts. Remove the following accounts. ( 1 ) XXXX XXXX XXXX {$5200.00}, ( 2 ) XXXX XXXX {$4700.00}, ( 3 ) XXXX XXXX XXXX {$560.00}
Consumer complaint received 2019-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The information reporting on my credit report is incorrect via two ( 2 ) accounts, accounts I deemed to be fraudulent because they are Not mines. Please remove and block these 2 accounts, 1 ) XXXX XXXX {$580.00} 2 ) XXXX XXXX {$240.00} I've also asked for physical documentation, id vertification and signatures to these accounts, or in accordance with the FCRA these accounts shall be removed The credit reporting agencies are depending on electronic Verification inwhich can not be accepted as proof. So either I'm provided with this certified physical documentation or the accounts should be removed.