davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY (DC)

I have had a wells Fargo secured credit card for over 2 years. Paid my Bill 's over the amount requested and never received an upgrade. Their excuse is I haven't updated my salary and I paid 2 days later than the time once. Everytime I call I update my salary. The manager I've spoken to is a completely rude and doesnt care about upgrading anything. I asked several times when the upgrade would happen and for 2 almost 3 years inXX/XX/2019will be 3 years. I have 2 cards that's been upgraded to unsecured and close to $ 15k and I still have this measly little {$400.00} card. They lie about the entire upgrade process.
Consumer complaint received 2017-06-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

My ex mother in law XXXX XX/XX/XXXXand her house was left abandoned by her son. In XX/XX/XXXXof XX/XX/XXXXthe house was still sitting. My children wanted to live in grandma 's house and since my lease was up in my apartment I decided to see what I can do about that situation. I contacted my ex husband and he told me he did not want the house. I asked for the mortgage information so I can see what I can do to save the house. My kids and I moved in the house and I started to correspond with the mortgage company. I was told that I can assume the loan and do a mortgage modification. I was told if I qualify and complete the modification is when the loan can be assumed. I started the process. I got approved for the modification and was to make my first payment XX/XX/XXXX.. I received a call from PennyMac stating that everything was not approved yet in XXXX. I asked what about the payment I am supposed to make this month. The lady stated that I should not make a payment until I am approved. I stated ok and how will I know if I am approved. She stated that I will be notified in writing. I said ok and waited for the correspondence. I received a call at the end of XX/XX/XXXX concerning payments that should of been made XX/XX/XXXXand XX/XX/XXXX. I told the person exactly what I was told to me on the phone. She told me that call was a different department concerning the assumption. I told her that I was not informed of that and she stated that they were going to cancel the modification if I did not make the payments. I told her that I can make XX/XX/XXXX at that time and I will make XX/XX/XXXX2 weeks after that and she stated ok. I made the payment. There was a problem in the house in which I had to pay a huge amount to get something fixed. I explained to PennyMac this situation and was told that I needed to make payment for XX/XX/XXXXand XX/XX/XXXX that day. I explained my dilemma and they stated that they can deny the modification and I can reapply in 45 days. I stated that will be fine. I called in 45 days to reapply and I was told that they already put everything in for me to have assumed the loan so the loan was in my name. I stated how was that possible since the modification did not go through. She could not give me the details since that was a different department. So now they are stating that I have taken over the loan the was it was which was in foreclosure and past due {$20000.00}. I asked what I can do and I was told to come up with {$10000.00}. I explained that I did not have that kind of money and specified that this is not right that I was put on this loan under false pretense and she stated that she has nothing to do with that. I need help. I do not know what to do but I know this is not right possibly legal.
Consumer complaint received 2018-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have disputed the late payments on XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX   XXXX accounts for months. The three credit bureaus wont reverse the late payment. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has lowered my credit score tremendously.
Consumer complaint received 2018-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed the late payments on XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX   XXXX accounts for months. The three credit bureaus wont reverse the late payment. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has lowered my credit score tremendously.
Consumer complaint received 2022-07-25
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. (AL)

XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX 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. 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2019-02-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (CO)

I've tried reaching out a couple times but unfortunately could not wait due to being at work and longer hold times. But on XXXX XXXX, I applied and was approved for {$450.00} payday loan. I appreciate that Bright Lending approved me and was able to help in my time of need however after reviewing their documentation more clearly, I feel preyed upon by them as they have given me an APR of 674.98 % and Per Colorado Proposition 111 that is a clear violation of my rights.
Consumer complaint received 2018-10-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Acquired Assets, Ltd. (GA)

A company by the name of XXXX XXXX XXXX has been attempting to collect a debt for a merchant services that was opened in XX/XX/XXXXaccording to them via my credit report but according to a phone call I received after I sent them a validation letter of the debt they stated it was opened in XX/XX/XXXX. Regardless of when it was opened in XX/XX/XXXX it is not possible as I was working on a XXXX XXXX  from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX  which can be verified with taxes and I provided them as well. The company they say it was opened with was XXXX XXXX XXXX   and I contacted them as asked and they have zero record of me. I requested proof of debt never got it and it still remains on my credit. I researched the original creditor and it would be for credit card merchant machines. This means they would have sent me equipment that would have a traceable merchant code to run credit cards and they could find no matching machined assigned to my name, my business name, or my social security number. This to me would constitute invalidation of the claim of debt. Please advise on my next steps. Thank you.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2018-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (WI)

I am seeking legal action for dodging my financial hardship at all costs, And also on top of that report inaccurate information, to hurt my score on purpose, when i was looking into consolidation loans. 

XXXX XXXX is Telling me my XXXX Credit report says Between XX/XX/2018 and XX/XX/2018, your DEPT OF ED/NAVIENT student loan account balance increased by {$800.00} from {$1700.00} to XXXX My score dropped 70 points! This is inaacurate. My student loans are all current and no missed payment. When i was struggling making payments, Navient didnt lower my payment but gave me 3 months off paying.
Consumer complaint received 2018-10-25
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: EQUIFAX, INC. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION (CA)

OnXX/XX/2018, TIAA Bank offered a 6 month mortgage rate lock to lock my rate on mortgage loan application. They were asking for {$4400.00} deposit to lock the rate which is promised to be refundable at closing. Recently, I locked my rate and paid the said deposit. However, when the Loan Estimate was sent to me, it shows that the rate lock deposit is not really a deposit but actually a FEE, even though it is called a deposit, it was placed in the loan estimate under Origination Fee.

This is switch and bait tactic to lure me to pay the deposit which I thought is refundable. It is not. I want my money back.
Consumer complaint received 2018-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (NE)

My debit card information was stolen and used to make several unauthorized ATM withdrawals ( XX/XX/18 ; four atm withdrawals from an ATM I dont believe Ive ever been to, done in 2 minutes, totaling {$800.00}. This is not an account I make ATM withdrawals from ). I immediately cancelled my card and opened a fraud claim with US Bank. In addition to opening a claim with my bank, I filed a police report with local law enforcement as I was 100 % certain these transactions were not me and my debit card information was stolen. US Bank said they investigated, denied my claim, immediately withdrew my money, and continued having managers call me that could not rectify the situation. After filing my claim I signed affidavits and immediately returned them to US Bank and provided them the requested information for my local police. I was told my claim was reopened on XX/XX/XXXX to prevent my money from being taken, and sure enough, the next day it was gone. Additionally, the letter I received shows my provisional credits would be withdrawn on XX/XX/18 ( almost a month prior ), when in reality they were pulled on XX/XX/XXXX ; no less than 12 hours after a fraud manager told me on the phone they would not be. If my case processor cant even correctly put dates on a denial letter I seriously question their investigative abilities and their ability to review ATM footage. Im convinced US Bank has only reviewed footage from the 4 fraudulent transactions as I am 100 % confident I did not make these withdrawals. Now I am out hundreds of dollars, my bank is treating me like a criminal ( instead of the victim I am ), and Im now having to call my local police to request video tapes from the bank so they can continue their criminal investigation. No appeal process or documentation has been given to me by US Bank other than the generic letter I received with incorrect dates. I requested the documentation from a manager on XX/XX/XXXX but who knows If that request will actually be fulfilled. I no longer have no faith in the bank Ive been with 15+ years now.
Consumer complaint received 2018-05-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (VA)

A company notified my employer in attempt to collect a debt. I was never contacted or given an opportunity to dispute the claim or ever served with the with the summons. They presented it to my employer 7 years later. The debt is also in someone else 's name.
Consumer complaint received 2018-10-25
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: Ability Recovery Services, LLC (FL)

I've sent multiple certified letters to remove Multiply inaccuracy on my credit report. It's getting quite frustrating and taking a toll on my emotional state of mind.

XXXX XXXX account is Fraud account Ability Recovery Service is mine debt
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have notified Transunion in writing that I DO NOT CONSENT TO E-OSCAR or any automated investigations. I making that clear to you CFPB and TransUnion. If I need to report this matter to the FTC I will with no hesitations. Yes, I XXXX XXXX XXXX XXXX XXXX am filing this complaint for myself. I know that you all try to stall process thinking a consumer has another company submitting for them, but I have enough sense to file a complaint for myself. 
In XX/XX/2022 I filed a dispute with Transunion regarding late payments being inaccurate on my credit report with XXXX XXXX. I have continuously tried to correct this issue with Transunion and have not been successful. Today XX/XX/2022 I have submitted a dispute online and have uploaded my documents for proof of my payment history that I have received from a member of management from XXXX XXXX in person. When calling in to TransUnion today XX/XX/2022 I spoke with a XXXX supervisor regarding XXXX XXXX account as well and she said that she didn't see any lates, well if she doesn't see any lates then why are they reporting them on my credit report.
Consumer complaint received 2018-10-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NJ)

I have been living here in this house since 23 years. My husband borrowed against this house in XX/XX/XXXX all in his name. The note is on his name and he passed away in XX/XX/XXXX. I have been in touch with the bank ever since he passed away to transfer the note on my name so I can continue making the payments. The bank refused to talk to me since I am not on the loan. I explained them that my late husband and I both jointly own the house. However, they have not acknowledged me on the loan ever since then. I called Ocwen about 20 times in the past one month to save my house and they refused to transfer and therefore the loan modification is not available to me. They are still sending the loan modification offer only to my dead husband. Now they want to foreclose me on XX/XX/XXXX. I NEED TO SAVE MY HOME. I have an XXXX year old mother and a XXXX  old daughter who depend on me.
Consumer complaint received 2018-10-25
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. (FL)

I've sent multiple certified letters to remove Multiply inaccuracy on my credit report. It's getting quite frustrating and taking a toll on my emotional state of mind.

XXXX XXXX  account is Fraud account XXXX XXXX XXXX  is mine debt
Consumer complaint received 2018-10-25
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)

To Whom It May Concern, It occurred to my attention that I have four inaccurate hard inquiries incurred on my account without my knowledge or consent or by error in the last year. These inquiries have affected my credit standing despite its clean history. These are the following inquiries that I don't recognize and which I hope you could kindly help fix and remove from my credit reporting : XX/XX/XXXX : an inquiry from XXXX XXXX. I don't recognize this inquiry nor have I applied to any credit of such type this year.

XX/XX/XXXX : an inquiry by XXXX XXXX. I don't recognize this inquiry nor have I applied to any service of such type this year.

XX/XX/XXXX : an inquiry by XXXX. I don't recognize this inquiry nor have I applied to any credit of such type this year.XX/XX/XXXX : XXXX XXXX XXXX. This was a collection inquiry that was resolved and removed per complaint no. XXXX submitted on XX/XX/XXXX to CFPB after finding that it was filed on my behalf upon incorrect information.

The only inquiry I recognize from the last two years is my application to XXXX XXXX load on XX/XX/XXXX.

I kindly ask you to investigate these inquiries, report them to the bureaus and do all necessary actions to remove them from my record as I have no knowledge or consent on their submittals.

Thank you for your consideration.

XXXX XXXX
Consumer complaint received 2018-10-25
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: Experian Information Solutions Inc. (NY)

I ran a credit report on XX/XX/2018. It showed delinquency to XXXX XXXX and XXXX XXXX XXXX credit cards. I called the XXXX XXXX and XXXX XXXX XXXX credit department on XX/XX/2018, both companies can not find that closed account and advised me to dispute it to Experian. I called Experian the same the day and filed the dispute. 
Today XX/XX/2018, I received an email that the results are ready then I called Experian to get the results since the online service is not working. Experian took-out the report from XXXX XXXX and kept the XXXX XXXX XXXX Credit Card, they said that XXXX XXXX XXXX responded that the report is accurate. I immediately called the XXXX XXXX XXXX and checked about the closed account account based on Experian Report but still they can't find it under my SSN. Now, I don't have any other resolution but to file this complaint to get a thorough investigation and remove that XXXX XXXX XXXX Credit Card record in my credit report if found that its not my card.
Consumer complaint received 2020-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (IA)

XX/XX/2020 my PayPal Account, which is supported by my XXXX XXXX Credit Card was charged {$4500.00}. 
Payment was to XXXX XXXX. The transaction ID is : XXXX. I do not know XXXX XXXX. 
The dispute case ID is : XXXX. 

XX/XX/2020 I called PayPal to inquire about the charge on my PayPal Account to XXXX XXXX. 

XX/XX/2020, I received an automatic reply from PayPal which thanked me for contacting the company. 

XX/XX/2020, I received correspondence from PayPal which stated that my account was limited. 

XX/XX/2020 at XXXXXXXX XXXX, PayPal sent me correspondence denying my dispute because my billing dispute does not match my qualification for a billing dispute. 

XX/XX/2020 at XXXX XXXX, PayPal sent me correspondence stating that because I filed this dispute with [ your ] financial institution or credit card company, and not with PayPal. We cant provide additional details or updates on this claim because we dont have access to your financial institutions investigation details. 

PayPal has refused to investigate and thereby, refund my {$4500.00}. 

I request that PayPal refund my {$4500.00} because I did not authorize payment to XXXX XXXX.
Consumer complaint received 2018-10-25
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: SYNCHRONY FINANCIAL (VA)

I went past due on my SYNCB/WalMart account back in 2012. I made the payment in full and before paying I asked them to remove this negative tradeline. They said they would remove if I made a payment. This account was never removed ( bait and switch for full payment ).
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Ive called and sent letters to XXXX, Experian and XXXX. I counted how many times each company violated my privacy ( XXXX ). XXXX had XXXX, Experian had XXXX, and XXXX had 401 violations. I sent them each a copy of my credit report with highlighted violations 3 weeks ago and havent heard back from any. They also violated 15USC1681c- ( a ) and 15USC1681 ( 5 ) which says they can not put anything adverse on my credit report except convicted crimes, by putting credit card utilization on my credit report thats adverse info. When they add hard credit checks or soft credit checks thats adverse info also. There should only be the name of the credit card and paid as agreed with nothing else. I also asked them on the phone and highlighted all the old non-mailable addresses and phone numbers to be removed.
Consumer complaint received 2023-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On ( XX/XX/XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.