davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-12
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account XXXXXXXX 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 XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, L XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-08-26
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: Experian Information Solutions Inc. (TX)

I have contacted XXXX XXXX XXXX and XXXX XXXX XXXX about inaccurate information reported on my credit report. Monthly they have reported that my account is in bankruptcy, with a {$0.00} balance, and derogatory. Also this is completely inaccurate information as I have a balance that I pay monthly on time. This has caused my credit report to drop 7 points. Each time this inaccurate information has been reported, I have called and spoke on the phone several hours with specialists about their reporting errors. They claim they have done everything to resolve this issue and refuse to provide me anything in writing pertaining to their actions.
Consumer complaint received 2022-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (OH)

I bought a hvac system on credit at 0 % interest. I set up automatic payments. These began and started going through. This month on XX/XX/XXXX my wife told me that the WellsFargo account didn't get paid. I called as it was on automatic payments. 
The customer service agent told me I called and cancelled the automatic payments on XX/XX/XXXX. I didn't not. After WellsFargo attempted to retrieve the call logs I was informed that I cancelled the automatic payments online. I did not. 

When an automatic billing is cancelled an email is generated automatically and sent to the consumer. There is no record of this on the XX/XX/XXXX. I have another card that I cancelled today XX/XX/XXXX to see if it did email me and the automatic system did. 

This could be either a one-off technical glitch within Wells Fargo 's system or it could be a systemic method of bilking customers of interest on 0 % interest credit cards. 

I didn't cancel the automatic payments, and being a paralyzed 100 % service connected veteran I believe that what Wells Fargo is doing is reprehensible. 

My wife and I pay our bills on time everytime and setup automatic payments where available. We are trying to build a handicap accessible house ( I was granted the XXXX XXXX to help with cost ). We need perfect credit to do this. Wells Fargo is putting in jeopardy our ability to build our home through manipulative practices designed to have consumers miss payments unknowingly and then charge them extra interest.
Consumer complaint received 2023-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FirstPoint Collection Resources (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2019-09-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (FL)

I have been tracking my credit on XXXX XXXX for a couple of years now so that I can work to improve my score. I was in good standing until this morning when I got a notification from XXXX XXXX that there was a change to my Credit score. Out of nowhere, there are now TWO collections showing up on my report from Commonwealth Financial OPENED ON XX/XX/2019 for medical services. I have not had any medical services from these businesses for almost 7 years! There should be no reason why Commonwealth Financial is opening it as BRAND NEW collections! I have read numerous complaints about Commonwealth Financial scamming people, not settling, and ruining their credit. They use very old debt ( 5 years or more ) and REOPEN it as a brand new debt collection! This is extremely wrong and FRAUDULENT. I have no problem settling any debt that I owe, but I refuse for my Credit Report to suffer over inaccurate and fraudulent activity!
Consumer complaint received 2022-04-12
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: JPMORGAN CHASE & CO. (KY)

I downloaded XXXX XXXX XXXX and paid for the services and found four accounts that have been opened in my name that wasnt opened by me. My identity has been stolen and Im not sure what to about it. I know the person thats responsible for three of the accounts so what do I do?
Consumer complaint received 2022-04-12
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. (PA)

I reviewed my report and I noticed the following inquiries are unauthorized : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

I opened an account with Citibank. I had to keep the amount for three months. I had to deposit XXXX into the account. I had to keep that amount in the account for three months. At, the end of the three months I should've received XXXX cash bonus. I opened the account in XX/XX/2020. Should've received my deposit in XXXX. I called Citibank over 5 times. They are telling me that the account that I opened doesn't have the correct code.
Consumer complaint received 2022-04-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC. (CO)

Sun west mortgage was very XXXX and did not treat me fair during the loan process. I paid for appraisal {$630.00} and they never gave me a copy of the appraisal and would not tell me the value I want my money back I asked them for 3 weeks about the appraisal, they treated me horrible people of XXXX do not use this mortgage company there XXXX and they treat your horrible .they discriminate against seniors.
Consumer complaint received 2022-04-12
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. (CA)

FTC REPORT ATTACHED IDENTITY THEFT, FRAUD. ACCORDING TO THE FAIR CREDIT AND REPORTING ACT IDENITY THEFT VICTIMS AND THOSE WHO BELIEVE THEY ARE VICTOMS HAVE THE RIGHT TO BLOCK FRAUDULENT INFORMATION FROM YOUR CREDIT REPORT AND STOP A COMPANY FROM REPORTING INFORMATION RESULTING FROM IDENTITY THEFT FRAUDULENT INQUIRIES BELOW XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-02-24
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Westlake Services, LLC (FL)

This experience with my car loan it 's been horrible. It was my first time buying and they absolutely took advantage of me. Even with a good credit my interest rate it 's 18 %. My monthly payments are XXXX and almost {$170.00} of that goes to the interest. At this pace I 'd never be able to pay off this loan and eventually I 'll have to surrender the car. On XXXX I called Westlake Financial and asked them to help make a payment towards the principal. The phone call was recorded so there 's proof to that, I asked the agent named XXXX to make a XXXX time payment of {$600.00} towards the principal, next thing I know & XXXX of that was taken towards interest. I specifically asked the agent if he could assure me that everything was going to go towards the principal and he said yes. 
So how it 's possible for this to happen when I was so specific about this payment? Their Customer Service Representatives are rude and unwilling to help.
Consumer complaint received 2018-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

I had a HSBC credit card taken few months back and used it for making purchases and also paid the amount in time for the initial statements. I don't know that my card is been blocked for security reasons and even I'm blocked from paying payments towards the amount used in the credit card. Its been almost 60 days by now that my card is been blocked and tried to reach them for 32 times waiting each time for 1 hr and my issue is still not resolved. 

Every time I make a call to them they say that this is not the concerned department and transfer the call to some other department and make you to go around making you to wait for almost a day if you want to stay on the call. The longest wait time I had on call is around 3hrs and this is one of the worst customer service you will come across.
Consumer complaint received 2018-12-21
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. (NV)

the following transunion should be removed ... ... XXXX XXXX-XXXX..XXXX  XXXX  XXXX ... XXXX XXXX-XXXX ... XXXX-XXXX ... XXXX  XXXX-XXXX  ... XXXX  XXXXXXXX ... XXXX-XXXX ... .XXXX-XXXX  ... XXXX-XXXX.
Consumer complaint received 2018-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Experian, XXXX  and XXXX  have all failed to provide validation of public records listed in my files under my name and social security number. I have reached out to all 3 credit reporting agencies and they have failed to provide requested information. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file. The United States Bankruptcy Courts of Atlanta DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, Experian, XXXX  and XXXX  actively searches public records for any judgments and tax liens through third party research. A Bankruptcy is public information. Again the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcys through third-party research. Please see the attached documents to support my findings. I have reached out to The United States Bankruptcy Court and received a letter in return stating The Clerks office does not provide information to credit reporting agencies. XXXX has not provided any feedback on my request to validate public records. I have attached all supporting documents reflecting the last communication from XXXX regarding inaccurate information reporting on my file. Once again XXXX  has reported inaccurate information on file credit file. XXXX   has not provided any feedback on my request to validate public records. Experian has not provided any feedback on my request to validate public records. Please see my attached documents.
Consumer complaint received 2023-06-29
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: SANTANDER HOLDINGS USA, INC. (FL)

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2022-04-12
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: Experian Information Solutions Inc. (GA)

I keep receiving communications from XXXX about a loan for XXXX and the account and loan is not mine. This is an unauthorized and fraudulent account that should not be reporting to any credit bureaus. It is reporting to Experian to date. I reached out to XXXX on XX/XX/XXXX concerning this matter and did not receive a response until XX/XX/XXXX stating that XXXX took XXXX XXXX XXXX side and that the account was delinquent. I've tried contacting XXXX and they are not available via the telephone only email. Per my rights under FCRA, this unverified and unauthorized item must be removed from my credit report with Experian.
Consumer complaint received 2022-04-12
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. (PA)

I reviewed my report and I noticed the following inquiries are unauthorized : 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 XX/XX/XXXX
Consumer complaint received 2024-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (FL)

while trying to log in to my account to make my XXXX payment. I encounter that my account is blocked. asking me to call a number so to discuss my account status. once I call the number all the person on the other line said is that my account is under litigation and there is nothing, they can do to help me. they don't even give the option of making my monthly payment so forcing me to be late or default on my payment. I have not even received any type of correspondence from Mr. on the matter in question. I have no idea why my account in in litigation. all my payments are on time and up to date. 

I even wrote an email to them, and their reply was that they don't speak to customers only to attorneys. denying me my rights to know what's going on with my account.
Consumer complaint received 2022-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NC)

At the end of XX/XX/2021 I applied for an XXXX credit card from Chase. This card provide rewards for card usage in the form of " XXXX '' which can be used to offset the cost of flights on XXXX. During the application process I provided my existing XXXX account to link my card usage. Chase did not use that information and instead had a new XXXX account created. I was never informed that Chase had done this. I never received any notice from XXXX regarding a new rewards account. 

On XX/XX/XXXX I reached out to Chase saying that I my XXXX account had not been credited with XXXX earned. On XX/XX/XXXX I received a reply where they cited " my XXXX account '', which was not the one I had provided but the one Chase had created. This was the first time I knew of the extra account. That same day I replied to Chase that they were using the incorrect account ; I provide them the same account I provided during the application and asked that they resubmit the XXXX to be credited using that account. 

On XX/XX/XXXX I received a reply stating that before they could change the account I had to contact XXXX to 'merge ' the two accounts, and Chase provided information on how to do so. Through the rest of XXXX & all of XXXX I used XXXX 's site and eventually called XXXX numerous times ( XXXX does not have a US-based call center ) to try and merge accounts, but they will only accept a passport I no longer possess as it expired 5 years ago, even after submitting my current passport to them 4 times. Eventually in XXXX an XXXX employee told me over the phone that they would disable my Chase-instigated account, leaving only my preferred account. During this time I reached out to Chase via phone to share the info XXXX provided ; I was told they would resubmit the missing XXXX. However, those did not appear on my XXXX account. When I reached out via Secure Message on XX/XX/XXXX Chase again told me that I needed to submit my passport in order to have the accounts merged, which conflicted with the information I received from XXXX.
Consumer complaint received 2024-03-31
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC. (GA)

I sent a debt validation letter ( attached ) to the debt collector in XX/XX/2024 and XX/XX/2024. I received no response either time. This company has not proven this debt belongs to me and the burden of proof of this debt belongs to them.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have tried to dispute incorrect address, and /or addresses that I have never lived at! I've tried to dispute them many times. 

Also my name, all the incorrect spellings of my name needs to be deleted.I have tried to dispute incorrect address, and /or addresses that I have never lived at! I've tried to dispute them many times.

Also my name, all the incorrect spellings of my name needs to be deleted.
Consumer complaint received 2024-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (OK)

I mail in the amount that the company tells me for the Escrow {$620.00} to keep the payment the same yet the new payment shows that it is now {$1600.00}. They show that they are holding {$620.00} in unapplied money. This company has many problem and then wants to charge late fees even though it shows more than {$3100.00} in payment happened per last months statement. I have made the same payment each month and they then hold them till they want to.
Consumer complaint received 2022-01-29
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. (IL)

You violated the united states code law 15 U.S. Code 1681b -Permissible purposes of consumer reports ( b ) Conditions for furnishing and using reports for employment purposes.
Consumer complaint received 2022-04-12
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: CAPITAL ONE FINANCIAL CORPORATION (WV)

I have gotten emails from XXXX. XXXX and XXXX starting XXXX stating I applied for multiple credit cards through companies including Capital one and XXXX XXXX. I thought I put a freeze on my credit reports with XXXX, XXXX, and XXXX but I am still getting emails from XXXX XXXX about new credit cards. The person doing this is continuing to do it and nothing is happening to protect me. Ive contacted all 3 major bureaus about this issue and they havent done anything besides dispute the credit cards from my reports. They continue to pop up on my report, the person who has my information just spent XXXX $ on a Capital One card in my name. I contacted Capital One and they ensured me the card would be removed from my name and the account would be closed, neither has happened. This is very stressful because Im worried the person stealing my identity will continue to do so and move onto my things like my XXXX, taxes, and even my bank account. There is also another persons address on my reports, i just want this to be fixed before its too late.
Consumer complaint received 2022-04-12
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. (NV)

Original collection open XX/XX/2019 and they added on the same account twice and they keep changing when the account was open it should be one open collection on my Equifax not two duplicate collection
Consumer complaint received 2024-02-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

The companies listed below are reporting fraudulent inaccurate information on my credit reports with XXXX, EQUIFAX, and XXXX. I have requested that they provide the " PURCHASE AGREEMENT '' to show full ownership of such accounts and also other documents so I May review them to see if these accounts belong to me. 

These are the companies that are currently reporting fraudulent inaccurate information on my credit reports ; XXXX XXXX XXXX : Reported : XXXX XXXX, 2024 - {$770.00} XXXX XXXX XXXX : Reported : XXXX XXXX, 2024 - {$1100.00} XXXX ; Reported : XXXX XXXX, 2024 - {$1600.00} XXXX XXXX XXXX : Reported : XXXX XXXX, 2024 - {$5100.00}