davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-30
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. (PA)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX, XXXX Act Name : XXXX XXXX XXXX Act Name : XXXX XXXX XXXX XXXX Act Name : XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX I, 15 USC 1681 section 602 A, States I have 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 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-09-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (OK)

Service date I'd XX/XX/19. Total balance is XXXX. HRRG is the company that keeps sending me letters. I have spoken to them letting them know this was a job related injury and I also spoke with the hospital on day of service letting them know this was a workman 's comp matter. I have called administration at the hospital. They told me they would send my ex employer the bill but instead they sent me the bill an now have collections sending me bills over and over. HRRG stated they couldn't do nothing about it
Consumer complaint received 2017-11-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

I refinanced my home in XX/XX/XXXX with same company ( Wells Fargo ) using the HARP Program but a year later they are telling me that my mortgage incurred a escrow shortage of over {$1800.00} which will add {$200.00} to my {$1600.00} payments. I am now paying more than I did before I refinanced. I was given an overpayment escrow check of {$840.00} but I turned around and applied it to my refinanced loan because I knew it was n't free money. I 'm not certain in if it was misapplied or not. Also, my tax assessor stated that my taxes did not increase more than $ XXXX {$300.00} in XX/XX/XXXX. Another words, I did n't have a big tax increase. I 'm wondering if it was a mishap when they refinanced originally back in XX/XX/XXXX and did n't calculate the escrow properly in the 1st place. I called Wells Fargo for an explanation regarding the large escrow shortage because as long as I 've had a mortgage its never been this much. This is really causing me a hardship. I refinanced to save money and now its costing me more than the original mortgage payments. By the way, the person I spoke with at Wells Fargo said that they like to have at least {$1300.00} extra for escrow beyond what is actually due and that 's nice but its not affordable for me.
Consumer complaint received 2023-07-05
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: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. 
XXXX XXXX and XXXX XXXX  XXXX ; INQUIRIES : XXXX Inquiry Date XX/XX/XXXX and XXXX Inquiry Date DC XX/XX/XXXX
Consumer complaint received 2022-09-16
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: Experian Information Solutions Inc. (KY)

Again, I was a victim of identity theft and this is another request to REMOVE the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX ; XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$5100.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2015-05-09
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY (VA)

My Interest Rate is 21.15 % which is 3.25 % + 18 %. This is a ridiculous rate! Wells Fargo was unable to tell me how this interest was determined. They could not tell me if my Credit score was an issue, financial position, etc. I believe that this is illegal and a company should always be a in a position to explain how it determines its fees.
Consumer complaint received 2022-09-16
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. (MI)

To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-09-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (SD)

XXXX The PayPal account for the email above was given {$25.00} from my account. The email had been changed on my account and the charge was made. there was an additional charge for a service fee of {$2.00}, making the total that was taken out of my account {$27.00}. 
I requested the money back from the individual, but I don't believe they will give me my money back.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I can not retrieve my credit report from XXXX, it always shows a reporting error. I have reached to XXXX they tell me nothing is wrong with my profile. This is currently hurting my ability to get a house.
Consumer complaint received 2018-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Plus Inc (LA)

I have noticed that I have a hard credit inquire from your company on my XXXX XXXX  and XXXX XXXX credit file that I did not authorize to acquire. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the understandable language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer because of the failure or {$1000.00}, whichever is greater. I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX on XX/XX/2018 with a report number # XXXX for identity theft, Name and unit of Reporting Deputy XXXX XXXX XXXX XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated regarding this matter. Please contact me if you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Email : XXXX XXXX
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AL)

On XX/XX/XXXX, an unauthorized inquiry was left on my credit report from XXXX. on XXXX XXXX an unauthorized inquiry was pulled from XXXX. On XX/XX/2022 an unauthorized inquiry from XXXX was filed. On XXXX, XXXXXXXX XXXX an unauthorized inquiry from XXXX was filed. On XXXX XXXX an unauthorized inquiry from XXXX XXXXXXXX was filed .on XX/XX/2022 XXXX XXXX XXXX filed an unauthorized inquiry.on XX/XX/2022 XXXX XXXX XXXX an unauthorized inquiry on my report. On XXXX XXXX an Unauthorized inquiry from XXXX was filed on my credit report. On XXXX XXXX Unauthorized inquiry was filed on my credit report from XXXX XXXXl. On XXXX XXXX XXXX XXXX filed an unauthorized inquiry on my credit report. On XXXX XXXX XXXXXXXX XXXX  filed an Unauthorized inquiry on my credit report. On XXXX XXXX XXXX XXXXXXXX XXXX filed an unauthorized inquiry on my credit report. On XXXX XXXXXXXX XXXX XXXX  reported an unauthorized inquiry of my credit profile. On XXXX XXXXXXXX XXXX  placed a unauthorized inquiry on my credit profile. On XXXX XXXX XXXX XXXX placed a unauthorized inquiry on my credit report. On XX/XX/2022 ally financial placed a unauthorized inquiry on my credit profile. On XX/XX/2022 grow financial placed a unauthorized inquiry on my credit profile. On XXXX XXXX redstone fcu placed a Unauthorized inquiry on my credit report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
Consumer complaint received 2022-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

I called Freedom Mortgage to remove my PMI on XX/XX/XXXX. The rep told me I would get next steps in 3-5 business days. I did not receive any word. On XX/XX/XXXX I sent a message to their message center requesting the removal again. XX/XX/XXXX they sent me a message back saying they needed more time to review my request and I would receive a response by XX/XX/XXXX. XX/XX/XXXX I missed a call from Freedom Mortgage while at work. I called them back and had trouble getting through all the dialing prompts. I spoke to a customer service rep she tried to help and tried to send my the denial via email but was not allowed to by their system I had to wait for the explanation in the mail. XX/XX/XXXX I received and advertisement email claiming my home at valued at XXXX on XX/XX/XXXX I received the letter explaining my denial for removing PMI because of the loan to value ratio but no explanation on number they used. If they value my house at XXXX that would make my Loan to value ration at 74 % well under the 80 % requirement. my original loan was at XXXX. I also have made significant improvements to my house and the going value of my house in the neighborhood has raised to between XXXX. They refused to give any information of what they were using to calculate my loan to value ratio nor how to contest the value used of the house.
Consumer complaint received 2019-04-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Service Finance Holdings, LLC (TX)

To whom it may concern, on XX/XX/XXXX I made a payment for my XX/XX/2018 statement which was due on XX/XX/XXXX as well as an early payment for my XX/XX/2018 XXXX. XXXX XXXX did not process my payment for some reason. Therefore, neither payment cleared. I did not find out about XXXX XXXX 's error until XX/XX/XXXX. I immediately called XXXX XXXX and made the payment. I asked the gentleman I spoke with on the phone if there would be any issues from this he said " no you should be fine. '' I recently looked at my credit report and XXXX XXXX is reporting me 30 days late in XX/XX/2018 

The person on the phone when I called said my credit would not be impacted as the error with processing the payment was on their end and that I was not more than 30 days late pass due.
Consumer complaint received 2019-04-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (NY)

I am currently paying transworld an automated amount of $ XXXX monthly towards a {$670.00} amount for tolls by mail. I tried explaining that Notifications werent received and if I can just pay the bills owed since the majority of the amount is violation late fees. They said I only had the option to go on a monthly payment plan. Now I am currently unemployed and am not receiving any government financial assistance or any aid at the time and can not afford to pay this debt. I would like to know if its possible to dispute the violation fees and just pay the tolls owed at this time. Since I have no source of income.
Consumer complaint received 2019-04-03
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bonneville Billing and Collections (UT)

Boniville collections called me at XXXX XX/XX/XXXX stayed that I now have 3 different debts that Im not sure exactly what they are talking about I requested they send me the info on the debts they stated that they had sent someone to my address with papers to sue me and that Im never home when I exclaimed that was illegal and I wanted a copy of the phone recording they got hostil and told me no then demanded I maps payments
Consumer complaint received 2019-04-03
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: HUNTINGTON NATIONAL BANK, THE (OH)

XXXX, XXXX and XXXX secured a default judgment against me for a debt that I do not actually owe. It did so by going to another jurisdiction, that apparently did not require any proof that this debt was owed by me. XXXX, XXXX and XXXX was retained by Huntington Bank to collect on a home loan that was in foreclosure. I did not owe on the mortgage, rather my husband signed a lease to rent the property. The owner of the property went into bankruptcy, therefore no funds could be collected from him. Therefore, the firm XXXX, XXXX and XXXX sued my husband, and obtained a default judgment against him, as he had entered into an agreement to lease the property, however, I did not enter into any agreement to lease the property. 

A judgment was entered against my husband, on XX/XX/XXXX. Yet on XX/XX/XXXX a certificate of judgment was entered against both me and my husband, while the initial judgment was not. How did this happen? It seems that the firm XXXX, XXXX and XXXX simply added my name to the judgment, I guess, because the debt was owed by my spouse. Prior to that, the firm had been illegally garnishing my wages, all based on the debt of my husband. 

In XXXX of XXXX, I entered into a settlement agreement with the firm, agreeing to pay {$3500.00} to settle the debt. I have paid that amount, several times over. I have in fact, paid nearly {$10000.00} toward this debt that I do not owe. 

When I attempted to make settlement payments, the firm repeatedly breached the settlement agreement by continuing to garnish my wages, and refusing my monthly payments in order to trigger a breach of the settlement agreement and initiate the default judgment in its entirety. 

This debt collector has acted in bad faith in so manny different ways, beginning with the initial law suit. This is an attempt to collect on a foreclosed property, which neither I nor my husband owned or have any financial liability for, but because the owner of the property filed for bankruptcy, this debt collector has viciously pursued collection against me, who has absolutely no legal or financial connection to the property. I have already paid {$10000.00} on a debt that I did not owe. I want the firm to cease and desist from any further attempts to collect anything on this debt, which, again, I do not owe and never owed.
Consumer complaint received 2019-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (LA)

In XX/XX/2018, TD Auto Finance ( via XXXX XXXX XXXX ) did a credit inquiry against my wishes. I only gave them permission to run a credit inquiry through XXXX XXXX XXXX XXXX. I would like them to remove the credit inquiries from each credit bureau they used.
Consumer complaint received 2018-03-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC ()

Hi, I have a account with XXXX  ( XXXX ). I started using XXXX since XX/XX/XXXX, for good 3 months. There isn't any problem from their side. 

However, I received an email on XX/XX/XXXX saying that my account has be be closed. They give me 5 days of time to withdraw my Bitcoin, Ethereum and USD from the receipt of the email. I tried email and ask for reason and try to cooperate with them. 

Sadly, they replied saying that they will not elaborate on any specifics of the decision. I am a XXXX registered customer and I did not break any rules from their terms and conditions. I depend solely on XXXX to trade on virtual currencies, having my account closed has been a big deal to me. They might just lose a customer, but the loses I carry is much more. As of right now, I cant access to my account as it was closed. 

This is not fair. I hope CFPB can help me solve my problem and have my account activate back ASAP.
Consumer complaint received 2023-03-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC. (PA)

I initiated a {$2000.00} money transfer to a friend through my bank 's XXXX system. It said they couldn't send it, and I was told to call them to resolve the issue. I called them and after answering all of their many questions to authenticate me, they asked me to provide them with a cell phone number so they could send me a text message. I have no cell phone, and providing them with a cell phone number if I had one makes no sense because that wouldn't be secure since they wouldn't be using a number already associated with my account. Because I couldn't provide them with a cell phone number, they claimed this made it so they couldn't authenticate me, and they told me they were freezing my account and that I would have to call back in a few days ( what would that accomplish? ). Because of this, in-flight checks I had made bounced and I could no longer use my debit card. All of my money was cut off from me. 

A few days later they emailed me telling me to call them, so I did. They asked me questions such as what was the money for and other infuriating questions. I told them I started the transfer, that I authorize the transfer, that it's my money, and that my friend needs it so I'm trying to send him it. They told me they'd continue investigating, and my account continued to be frozen. 

A few days later, they emailed me again telling me to call them again, so I did. They asked me even more questions, this time revealing the actual reason for all of it which was that because I was logged into their website from XXXX, they froze the transaction. I fully understand temporarily doing this from a security perspective to safeguard my own money and to make sure no one is trying to steal it, but when I call them and confirm with them that it's okay and that I authorized it and want the transaction to proceed, and they refuse to listen to me even after fully authenticating with them and answering a million security questions with them, that is crossing the line. They're holding my own money XXXX with no way to get access to it now and they have no physical branch locations for me to go to. This is a very authoritarian move. If this kind of behavior has been sanctioned by the U.S. government by law, whether this is the Patriot Act or other such unconstitutional laws, it should be struck down.
Consumer complaint received 2019-04-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC (FL)

I sent 3 payments totaling {$1200.00} on XX/XX/XXXX, XX/XX/XXXX, andXX/XX/XXXX to a person that turned out to be a scammer. The only remedy I apparently had through XXXX was to see if the money wasnt still in the account and to be moved back, but XXXX did not get back to me until almost 2 days later, giving the scammer an opportunity to close the account. Leaving me with no remedy. 

Also XXXX does not state IN CLEAR TERMS OR AT ALL, that XXXX is only for friends or people you know. It advertises itself to be a convenient payment method with the only warning being to make sure that you are sending the money to correct person, which I was obviously. 

It is wrong to advertise this service as a convenient payment method, yet not have buyer protection AND not inform consumers about this CLEAR limitation.