davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (NJ)

In XX/XX/XXXX, I purchased a theme park pass for XXXX XXXX. Due to the Pandemic, XXXXXXXX XXXX did not open as scheduled in XXXX XXXX. When the park subsequently opened I could not visit ( I could not use the pass I purchased ) due to being both immunocompromised and having XXXX  XXXX XXXX. My doctors said I should not visit. I relayed this to XXXX XXXX, but they would not cancel the pass. I contacted my credit card company who reversed the XX/XX/XXXX charge ( of {$110.00} ). 

This item appears as delinquent on my XXXX credit report. I contacted XXXX and explained the situation, but they have not removed the item from my credit report. 

The company reporting to XXXX is Consumer Adjustment Company. 

( For what it's worth, both my credit company and XXXX agreed with me. XXXX removed the item from its credit report and the credit card company reversed the charge from XXXXXXXX XXXX  ).
Consumer complaint received 2022-01-21
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: Experian Information Solutions Inc. (NY)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. XXXX XXXX XX/XX/XXXX {$380.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$1400.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$2300.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$630.00}, XXXX XXXX XX/XX/XXXX {$0.00}, XXXX  XXXX XXXX XX/XX/XXXX {$3700.00}, XXXX XXXX XXXX - {$360.00}. Inquiries : XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Consumer complaint received 2022-01-21
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: Experian Information Solutions Inc. (FL)

Please investigate this record on my account. I did not file for bankruptcy. This is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove it immediately. 
Bankruptcy - Reference Number XXXX Date Filed XX/XX/2014 2014
Consumer complaint received 2021-05-11
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: WELLS FARGO & COMPANY (CA)

Again ... .Wells Fargo is failing to address why a fraudulent signature is acceptable at their bank. They claimed a delivery receipt was provided to them ... which is true ... but it was fraudulent ... and did not contain my signature, which has been verified NOT to be mine by a Wells Fargo manager. 
I want to know why it was accepted? This has not been addressed in any of your so called letters or your THOROUGH investigation. I will keep filing complaints until this question is answered : " Why is fraud acceptable at Wells Fargo? ''
Consumer complaint received 2022-01-21
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

Good afternoon, My name is XXXX XXXX. I am receiving constant emails from a XXXX XXXX constantly harassing me over a debt they say i owe to Ace Cash Express. I have called the company and they say that i do not owe any debt. I have received SEVERAL threatening emails from XXXX and his associates regarding this debt. They are using abusive language and threatening jail time. I have explained that this debt is not owed according to the confirmation number i received from Ace. # XXXX. 

Please help me clarify if i still need to pay this already settled debt as i am having severe mental distress over this situation. 

Respectfully, XXXX XXXX
Consumer complaint received 2022-01-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Re : XXXX XXXX Account # XXXX/Capital One Bank This is in regards to a credit card charge made on my account for {$1000.00} on XX/XX/2022 without my permission in XXXX, AR XXXX. I have no idea who made this charge and I do not want this to impact my credit. I have contacted XXXX XXXX and they closed my account but they gave me an explanation that the charge would have to post than reversed. I would like to know why? I never purchased the items. I am a senior citizen and I do not need this type of stress based on not reversing the charge right away. 
XXXX XXXX needs to do an investigation on this issue. 
Phone # XXXX XXXX XXXX
Consumer complaint received 2022-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

My Suntrust Truist checking account has been blocked since XX/XX/22. I have no access to the funds in that account since that date. My pay direct deposit of XXXX from my employer XXXX was deposited on XX/XX/22. My account was positive ( not overdrawn ) at the time of that payroll direct deposit. 

I cant access that account. I can not withdraw or move funds, and my access to online/mobile banking is locked/blocked. I have had no access to {$1700.00} of my money ( from my pay ) for XXXX weeks! 

On XX/XX/XXXX, I visited the Truist Branch ( old XXXX XXXX XXXX branch ) in XXXX XXXX, FL ( XXXX XXXX XXXX XXXX XXXX FL XXXX ). Branch XXXX XXXX XXXX ( Phone : ( XXXX ) XXXX ) said there was a fraud investigation on my account and they could do nothing. She stated the investigation could last over 30 days, and that they ( Truist ) would determine if they wanted to keep me as a client or not. 

She gave me the number for the fraud department to call ( XXXX ) but I cant get through and I am not getting any call backs that I requested. I have called every day since XX/XX/22. In the past XXXX weeks, average wait time is over XXXX hours, and each time I get cut off. 

I have received no letters at all from Suntrust or Truist about an investigation, or time line of it. According to the Truist telephone banking information, my checking account is still open and has {$1700.00} in it, but I can not access it. I want to close my account, and take that money ( XXXX weeks pay from my employer ) to my new checking account at XXXX XXXX bank.
Consumer complaint received 2016-03-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (IN)

Modification of loan granted in XXXX by Citimortgage then " unbooked '' by Citimortgage in XXXX XXXX due to their " internal issue. '' As a consequence, Citimortgage has reported nine months of delinquent payments and inaccurate balance of account to the XXXX credit bureaus dating the inaccurate data from before the modification was approved. I have documentation from the company assuring me that no negative reporting would occur. I submitted disputes to the bureaus but when updated, information from the mortgage company continues to reflect the inaccurate information with even greater delinquencies.
Consumer complaint received 2022-01-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (FL)

I received a call from, Ability Recovery Services, reciting incorrect info. They asked for me to verify the last 2 digits of my social. They stated that the numbers were " XXXX  '' which is incorrect. So I explained to them once again, that they are to delete this account from my credit report due to incorrect information. They then proceeded to state that the debt was for someone by the name of " XXXX ''. I do not know anyone by the name XXXX. I am not XXXX. I asked the supervisor I was speaking with how someone could absorb another 's debt as such. He stated that it could be a relative or child. I have two daughters neither of which are named XXXX. I also explained that this was another reason to remove this account completely, also that I need an email stating that they will remove it from my credit report. The response I was given was, '' We don't have the ability to do that ''. This is not the first call I've had with them in regards to this so called account. I have been hung up on before and left on hold for hours just for them to hang up. I advised them that I would be making a complaint against them in regards to this matter. The account number I was given is, # XXXX. According to XXXX ( the manager I spoke with ), there is two accounts attached to that number I was given. Both of which have the wrong social security number. XXXX is their contact number. As of writing this email I am yet to receive a dispute email from Ability Recovery Services, as promised by the manager.
Consumer complaint received 2021-08-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (NJ)

I originally opened a complaint an td bank answered me for overdraft fees for the month of XXXX  stating I was charged overdraft fees because insufficient funds, that was not my complaint, my complaint is at the time of the coronia virus epidemic, td bank was sent a letter from state stating at this time of crisis you should not charge overdraft fees, they ignored the letter an continued to charge over draft fees an not returning them, Im talking going back from XX/XX/XXXX to present, they responded only for overdraft fees I received in month of XX/XX/XXXX, Im talking about the letter that specifically was sent to Td bank along with with other banks that was sent out on XX/XX/XXXX XXXX : XXXX
Consumer complaint received 2022-01-21
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)

On XX/XX/2021, and on XXXX XXXX, I have reached out to XXXX and requesting XXXX tradeline be deleted from my consumer file and consumer report. I have yet to receive a response. 
XXXX is in violation of my rights as a federally protected consumer.
Consumer complaint received 2021-05-11
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MECHANICS BANK (TX)

This account was opened up in behalf of my ex wife and she did agree to make the payment. My complaint is that the account is reported as {$14000.00} past due however they have failed to provide proof of this debt and it is hurting me and my ability to finance a new home. I have specifically requested the final account statement and automized statement showing option proceeds and final balance after all fees applied, the value of the vehicle far exceed the value of this loan this debt should be resolved as XXXX balance and reported as satisfied or paid in full. this account has been reporting inaccurately for the past 3 years and it has been hurting me and credit the entire time.
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX has two accounts showing two different amounts on my credit report. I wrote to Transunion, XXXX, and XXXX to have these accounts removed. I wrote to XXXX XXXX and they are not showing I have any accounts with their company. 

I disputed both accounts, I disputed owing the debt, I have sent three letters to each credit bureau, and I have asked each company to provide proof of the contract I signed to show this debt and the amount of the debt belonged to me. 

This is my final attempt to have the Credit bureau show proof the debt belongs to me. They have had a total of 120 days to show proof the debt is valid. This is my final attempt before taking all three credit bureaus to State Court for false reporting. 
I started my dispute process with all three credit bureaus on XX/XX/XXXX, XXXX, XX/XX/XXXX. When reviewing the information the date of the last activity was on XX/XX/XXXX. My last contact date with XXXX XXXX was in XX/XX/XXXX. This would make the account more than 10 years old. 

All three credit bureaus are not reporting the same information. Therefore, the information is not accurate and up to date.
Consumer complaint received 2021-08-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (PA)

We applied for COVID CARES Act Forbearance in XX/XX/XXXX and it was approved. We applied to have it extended several times and they were all approved. 

In XX/XX/XXXX we were ready to begin repayment. We requested information via phone for repayment options and were told we could do loan modification where we could get a lower interest rate without paying closing costs. The rep who told us this had our loan pulled up and could see all details. We requested this option. 

The offer came in the mail and it was the same high interest rate, with a monthly payment higher than we were paying before. We called and were told on the phone that we weren't eligible for a lower interest rate because it was a conventional loan and only FHA loans were eligible. We were told we could do deferment instead, so we asked to reject the loan modification and requested deferment. We were told to wait 7-14 business days for the paperwork to sign. 

21 days later we received a letter saying our mortgage was being transferred to a new servicer. We never received the deferment paperwork so at this time our mortgage forbearance had ended and we had no repayment plan, with a pending transfer to a new servicer. We called many times and spoke with many levels of support requesting information about why the deferment request was not processed, why the mortgage was being transferred without any forbearance or repayment plan, and every level of support told us different things. One said the deferment couldn't be processed. The next said it was already in progress and would show up with the new servicer. The next said we still had to sign something to officially accept the deferment, but that it wasn't sent and would not be sent because of the transfer. The next said they could email it to me and we could fax it back. 

At every step of the way I begged for something in writing showing that we had followed every step correctly and that this delay was their fault, to protect us from anything bad happening when the transfer happens. Every single level of support from tier one to upper level management said there was nothing they could give me in writing. 

We are now a few days away from the transfer and praying that we don't end up delinquent facing foreclosure. We do not have the funds to pay in full like they are asking. We have the ability to make monthly payments but we are not being given the opportunity to do so. We just want to bring our loan current on a repayment plan, pay for 3 months, and refinance to a lower interest rate. 

If this servicer 's actions have caused us to no longer be eligible for refinance, we will have very high very tangible financial loss.
Consumer complaint received 2022-01-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX, IL. XXXX Date of Birth XXXX Social Security : XXXX Current Date : XXXX Re : Medical Violation To : Equifax Concerning : XXXX XXXX XXXX XXXX XXXX XXXX checked my credit reports and realized your agency and this debt collector is in violation of 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. And 15 US Code 1681b ( 4 ) Limitation on redisclosure of medical information Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order. under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days and you must delete the items from my credit file immediately. THIS IS CONCERNING ANY AND ALL XXXX XXXX XXXX XXXX. Thank you for your time and help in this matter. 
Thanking you in advance, XXXX XXXX
Consumer complaint received 2021-05-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CO)

I currently have a mortgage through United Wholesale Mortgage. I have had a loan with the institution since XX/XX/XXXX. Since the loan was originated, I have made all mortgage payments through the XXXX XXXX XXXX XXXX bill pay function. I submitted an XXXX payment on XX/XX/XXXX. The XXXX XXXX XXXX XXXX confirmed the payment was sent and even provided a scanned copy of the mortgage check showing United Wholesale Mortgage deposited the check, but not to my account. I have made several phone calls with little help. I have faxed, scanned and emailed the check to every person I have been instructed to. I have not received a response nor has the money been credited to my account. As of today, XX/XX/XXXX, my account is still missing the XXXX mortgage payment and they have sent the info to the credit bureau 's. I have all documentation from the XXXX XXXX XXXX XXXX confirming the check was sent, received and deposited. In addition, rather than speaking with an actual United Wholesale Mortgage representative, I am repeatedly transferred to a debt collection agent with no access to my account and put on hold for hours at a time.
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX : Account number : XXXX, Last reported dates should be the same per bureau.This is an unverified account. There are also inconsistencies accross the line items for Date Opened, High Credit Amount, Credit Limit, Date Last Active, and Account Type-Detail. For example with regard to Last Reported Date I see that the Last Reported is showing XX/XX/2022 for TransUnion, XX/XX/2022 for XXXX, and XX/XX/2022 for XXXX. Additionally, the two year payment history doesn't overlap. This clearly goes against my FCRA rights. 
unverified account. 
XXXX XXXX : Account number : XXXX, Each bureau is showing a different Date last active, Last Reported Date, Date Opened, and Date of Last Payment. For example Date Last Active is showing XX/XX/2022 for Transunion XX/XX/2022 for XXXX XXXX/XXXXXXXX for XXXX. The two year payment history is a mess and non-consistent. This is an unverified account that I have previously disputed. I see this account is still not remove.
Consumer complaint received 2022-03-28
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. (GA)

Discrimination of lending products offered initially but XXXX Bank. Credit profile shows credit worthiness. Underwriting decided to use unwarranted business income verification to then disqualify me as a consumer to continue the process. I believe this to be biased in regards to the worthiness of credit to obtain information for a loan. Led to believe the application was being granted. Sent in sensitive tax records as well as banking documents to support only to be misled.
Consumer complaint received 2022-01-21
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. (TX)

There are 3 derogatory alleged medical collections placed on my XXXX, Equifax, and XXXX consumer reports. These alleged collections are from the same company which is XXXX. XXXX has placed an alleged collection for {$200.00}, {$260.00}, and {$260.00}. I have tried to get this removed with no luck. I was involved in an auto accident and when my attorney settled the case all of my medical bills were paid out of the settlement. This collection company committed fraud by stating that these accounts meet FCRA requirements. They did not provide proof that these belong to me nor did they provide documentation showing that I signed any contracts with my social security number on any paperwork. I have all paperwork from the accident that I will provide to the courts because I will be seeking a remedy from the XXXX and from XXXX, Equifax, and XXXX for allowing this company to commit fraud. XXXX did not get my permission to place these fraudulent collections on all 3 of my consumer reports. They have violated consumer law 15 USC 1681b ( 2 ) which is a {$1000.00} violation among other violations. XXXX also ran a soft pull on my consumer reports before placing these alleged collections. I have also provided proof that XXXX ran a soft pull on my consumer reports before placing these fraudulent accounts.
Consumer complaint received 2021-05-11
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: EQUIFAX, INC. (PA)

On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.