davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

We were on springbreak vacation with our kids on XX/XX/XXXX of this year and we were trying to cancel our hotel reservation through XXXX because the hotel that we did our reservation didnt honor the XXXX  price. 

My wife called XXXX 's customer service but got disconnected due to bad reception. A XXXX called and pretended to be " XXXX XXXX '' and told us he will help us with our cancellation. He sounded legit and know a lot like what a XXXX XXXX would do. XXXX said our hotel reservation cant be cancelled but he can upgrade our reservation so we can cancel it and we can get refunded. He told us to Zelle XXXX XXXX ( XXXX ) {$200.00} and he will refund us back. After a while he asked us to send him a screenshot multi media message with the Zelle that it was completed. Then he told us he forgot to tell us to put a reference # on the memo and if we can send him another {$200.00} with a reference # and he will Zelle us {$400.00} as our refund. Then after a while, he told us he miscalculated our refund to {$600.00} and send him another {$200.00} with a different reference # and he'll refund us the money right away. Then he made an excuse that the Zelle theyre sending to my account was not going through. 

That drew my suspicion that we are being scammed. XXXX XXXX told us that his XXXX told him that they have a limit of {$1300.00} before they can send us our refund and he was asking for more money. Thats the time that we stopped. We tried to contact the XXXX number and the scammer really answers as " XXXX XXXX XXXX and kept on telling us to send them more money so they can reimburse us. We tried to call XXXX XXXX and a lady answers and tells us he is unavailable but she eventually blocked us. We tried to message XXXX and request our money back but he declined our Zelle request. 

I contacted my bank ( XXXX XXXX  ) and filed a dispute right away with the Zelle payment that I sent but according to my bank its being investigated until now. I also filed a report with Zelle about the scam on XX/XX/XXXX but I haven't heard anything from them. I feel like as time goes by, we won't be able to get my money back. 

We contacted XXXX about this scammers representing them and they dont have an definite answer to us but I was able to email their corporate to notify them about the scam. I also filed a complained with FTC, Tx Atty General and the FBI cybercriminal dept regarding this issue.
Consumer complaint received 2022-03-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

I wanted to consolidate my XXXX loan to a direct loan program, and apply for the XXXX program. My spouse and I both have worked for an employer XXXX XXXX XXXX XXXX XXXX. I have worked for the XXXX for almost 26 years and spouse for over 20 years. I submitted the consolidation application, after being told by Navient and XXXX XXXX that I was eligible. Approximately two weeks after applying I received notification that I was denied. The reason given was I had the wrong loan type. My complaint is that I was coerced into consolidating my loans with my spouses loans into a loan type that could not be reconsolidated. If I had known this I would have never consolidated the loans in the first place.
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I have previously sent letters ( XXXX, XX/XX/2021 and XX/XX/2021 ) to Equifax to verify information on my report. They have continued to respond alleging that the information is accurate/valid. They have not to this day, sent me any agreement with any of these companies that bears the signature of the alleged debtor wherein I agreed to pay the original creditor. The obligation between the companies and I that allows them to collect on the alleged debt and any transactions between these companies that binds me to an agreement to pay them any money that they claim I owe. Payment history with these accounts is showing inaccurate with some being different than other reporting agencies, which is also proof that Equifax did not verify any of this information to be accurate or valid. I am showing incorrect payment history for the below companies on my report for Equifax, and therefore are demanding that they delete those accounts. A collection/chargeoff account by default is considered late. 

XXXX. XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, XXXX. XXXX - XXXX, XXXX. XXXX - XXXX, XXXX. XXXX  ( violation under HCFA Law ) collection with no name, XXXX. XXXX
Consumer complaint received 2019-09-26
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. (IL)

I just received another can letter from Experian and XXXX  stating that they already verified the account listed below. But they never sent me any verification on this matter. 
This account is not mine. I WENT TO THE COURT FOR VERIFICATION OF INFORMATION BELLOW. YOU CAN SEE THE LETTER I HAVE GOT FROM THE COURT, its been attached to this letter. 
Chapter XXXX Bankruptcy Case Number : XXXX This account was not verified in court. VERIFICATION means COFIRMING SOMETHING TO BE TRUE. THE ACCOUNT YOU HAVE BEEN LISTED ON MY REPORT WAS NOT VERIFIED. According to FCRA it is clear violation.
Consumer complaint received 2019-09-26
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. (NJ)

THE DISPUTED ACCOUNT DOES NOT BELONG TO ME ; I HAD NO KNOWLEDGE OF THIS ACCOUNT THAT APPEARED ON MY CREDIT. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNT REMOVED OFF MY CREDIT FILE. BECAUSE OF THIS NEGATIVE MARK, IT IS NOW HARD TO APPLY FOR NEW CREDIT. SO PLEASE HAVE THIS DEROGATORY REMOVE.
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

Equifax is double reporting an account on my credit report. XXXX # XXXX and XXXX XXXX XXXX # XXXX are the same account with a different account number. Equifax is the only bureau that is double reporting this debt illegally. I need this removed.
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

I'm writtining You to dispute old accounts on my credit report. 
By law, credit bureaus are only allowed to list negative items for a certain amount of time. For most negative information, the time limit is only seven years ( or seven years + 180 days for a charge-off ).
Consumer complaint received 2018-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NC)

My loan servicing was transferred from XXXX to Select Portfolio servicing XX/XX/XXXX I had a loan modification with XXXX  due to being late in XXXX on mortgage during a change in job. My original loan was {$51000.00} in XXXX with XXXX, I owed approximately {$43000.00} during the time I became late and signed modification. SPS is now saying I owe {$51000.00} to them for mortgage. Terms of the mortgage should not have changed during transferring. The property is XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX. SPS does not have the complete address. They dropped the apartment number. I informed them of this and by phone and in writing and they claimed on the phone, it was 'in process of being transferred ''. I have not received a response to my written complaint. I checked XXXX  which has property records, the deed is listed correctly since XX/XX/XXXXwhen I purchased, with the full address. Please assist me with not allowing these two companies to somehow take my property due to their error. I can't even be sure they are crediting payments correctly. I am working to refinance with my credit union, but my credit score isn't there yet.
Consumer complaint received 2019-09-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION (TX)

I trusted Navy Federal Credit Union ( NFCU ), therefore I submitted a modification packet as I was advised by the representative rather than getting assistance from an attorney. However, NFCU delayed representative received my packet on XX/XX/XXXX @ XXXX, and I received a letter from the attorney XXXX XXXX XXXX XXXX XXXX XXXX , XXXX on XX/XX/XXXX stating over $ 11k could be paid to reinstate my mortgage, however I have no savings and did not have the money, however no sale date had been set. Instead the sale date was set for XX/XX/XXXX, after my hardship packet had been received. While I waited on assistance from NFCU it appears they had no intentions on assisting me and were simply stalling me as time went by. Ms. XXXX claimed a letter was sent on XX/XX/XXXX, XXXX statements were needed, which I never received ; however packet was submitted at beginning of XXXX so I sent XXXX, XXXX, XXXX. Once informed what was needed I emailed documents within 2 hours. Ms. XXXX called me on XX/XX/XXXX, stating nothing could be done, my home would be sold XXXX XXXX, XXXX. I asked about Deed in Lieu, short sale, more time to move out. She gave me foreclosure attorney number. I called and spoke with Mr. XXXX, he stated NFCU would have to give them permission to delay the sale of my property, so I could have more time. So I called and Ms. XXXX is suppose to call me back. I have requested assistance with no success, NFCU has collected money from me for 12 years for a mortgage that started out at $ XXXX, now I owe $ XXXX, so NFCU will come out a winner, by auctioning off my home. This is wrong, I have served my country and worked for the government all my life, only to be denied benefits I deserve. XXXX amongst veterans is not high merely because of XXXX, it is because of the injustice we are forced to endure after begging this country for assistance.
Consumer complaint received 2022-03-31
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: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, I was charged {$510.00} and {$640.00} my credit card account through Wells Fargo. I did not have my card in my possession and did not authorize anyone to use my card. I am single and have no other authorized users on any financial account. These referenced charges are fraud. I have never made any purchases at XXXX XXXX. At the time of the fraudulent charges, I was in the XXXX XXXX area. 

Texted yes to fraud on XX/XX/XXXX Phone call with Wells Fargo starting XX/XX/XXXX ( about XXXX calls ) Police report XX/XX/XXXX XXXX
Consumer complaint received 2019-04-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

Money was transferred through Wells Fargo on a XXXX account. A complaint was filed with Wells Fargo informing the person never sent the purse. A request was made to Wells Fargo to return the money and Wells Fargo said no. Wells Fargo should not be doing business with XXXX. Wells Fargo needs to note this on their Web-site and try to do more to help people from being scammed. 

Wells Fargo was on the news last year for fraudulent bank accounts which sounds like Wells Fargo doesn't have a problem taking money from people. And now Wells Fargo will not return my money. 

Date of Transaction : XX/XX/2019 XXXX # XXXX XXXX {$400.00} XXXX # XXXX.
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Western-Shamrock Corporation (TX)

I had a loan with Western Shamrock and the account has been paid and closed but it is still reporting to XXXX as open and not paid. I have tried disputing the information with the credit bureaus and reaching out to Western Shamrock but have not been able to resolve this issue.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/24 I wrote to Capital One requesting verification of the account they are reporting to the three Credit Bureaus. Along with my letter, I provided them with copies of my driver 's license, social security card, and a utility bill. On XX/XX/24, I received a letter from Capital One stating that the account I am referring to was taken either over the phone or the internet and they can not provide me with a copy of the original agreement.
Consumer complaint received 2019-09-26
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: Rocket Mortgage, LLC (MI)

Quicken loans did a hard inquiry on my credit report that I did not authorize, they asked for my social security # and I refused to provide it. This all started with a simple inquiry on XXXX XXXX to see current rates to refinance. Since they did not have my full SS #, they must have used the last 4 digits that I was required to provide to XXXX XXXX to see rates. I have already contacted XXXX XXXX to let them know of my displeasure with them but they aren't the company that actually ran my report.
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (MO)

XX/XX/2017 I started an application to file bankruptcy but never completed the application process. Therefore the court dismissed XX/XX/2017. 

US Bank has failed to report my payments since to the three credit bureaus, thereby causing me not to be able to qualify for refinancing. I have paid all my payments to the on time monthly. However they did not report my payments to the credit bureaus. 

I did not know they were not reporting my payments to the credit bureau until I applied to refinance my home, and the perspective lender advised me the payments were not showing up on the credit reports and were hurting my score and ability to get a loan. 

I called US Bank and disputed with the credit bureaus repeatedly without their taking any action to help me. 

US BANK account # XXXX Balance approximately {$6000.00} Home Equity line of credit
Consumer complaint received 2022-02-18
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. (OH)

I disputed creditor us bank a couple of times with experian. Experian reporting that this account was past due for the month of XX/XX/2019. I was never past due. I recently sent a request asking for method of verification so I can further investigate. Experian refused to send the method of verification. This is a violation of the credit fair act. Under the law Im am entitled to the method of verification.
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I requested that Transunion verify the accuracy of a bankruptcy that is reporting on my credit report. Transunion mailed me a letters of the results stating that they verified with a third party company named XXXX. I do not understand how this was done because I have opt out of XXXX, sharing any of my personal information therefore, XXXX is not telling the truth. I will upload the letter I sent to XXXX, the response from XXXX, the opt out letter from XXXX, and information from the XXXX XXXX XXXX stating that they do not report to credit agencies. Please investigate these violations.
Consumer complaint received 2019-09-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (FL)

Hi, on XX/XX/XXXX i was approved for a loan in the amount of {$320000.00}. 
I found a house and signed a contracted around XX/XX/XXXX for {$300000.00} then that was changed to $ XXXX.When i signed documents, i will receive different style signatures back when copies came back to me.the big problem is closing date keep rescheduling. 
Around the third time, i had it all, they keep asking for stuff that i already provide. 
The mortgage processor even ask me for more paper work two days before closing. 
When i went to her office, she took the day off and wouldn't answer her phone.I later understand that when the owner of the house want to speak to me regarding the house, the realtor will tell him she dont share clients info.When i have question, she told the owner is in XXXX.I spend almost {$1000.00} on inspection and appraisal fee. 
The mortgage processor even charged me {$370.00} for a program they call framework which she said its a requirement. 
I found out later that it is for first time buyer which im not. 
Im a home owner since XXXX.They keep asking for ridiculus stuff like buying money order for XXXX XXXX etc.I know appraisal and inspection fee is not refundable but i would like my {$370.00} back.I found out about this when my card was charged and call to enquired, and was told that its for first time homebuyer and you have to do a course online which i did none of that.I aked the mortgage processor for a refund and was denied.She told me she did the program for me.Loan processor XXXX XXXX NMLS noXXXX ( XXXX ) Realtor XXXX XXXX, which was recomended by Mrs.XXXX 
The problem with the realtor was signature issues, when i choose a type of signature, she would have something else. 
I went to a different realtor trying to get the same house, he call her to see if he can use the loan. 
She told him no, im not qualified for that amount.
Consumer complaint received 2023-04-06
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. (TX)

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.
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

I Have a few errors on my credit report that need some attention. I would like my current and only address to show properly as XXXX XXXX XXXX, XXXX, SC XXXX. Please remove the following addresses XXXX XXXX XXXX, XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX. There is a account the I do not recognize on my credit from XXXX XXXX # XXXX. I would like the current phone deleted XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX they are not mine please delete from my credit file.
Consumer complaint received 2019-09-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Equifax and XXXX are reporting incorrectly a collection in the amount of {$330.00} on the XXXX  XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of the bill I received. ) This account does not belong to me and was billed in error. Unfortunately, my daughter had an accident and needed to make a visit to the emergency room. I had accompanied her and assisted her in filling out her paperwork. The billing department must not have switched her insurance information over at the time of this billing and consequently this bill was sent to me and actually should have been sent to my daughter. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-03-08
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC (FL)

Hello my name is XXXX XXXX I have a auto loan with American Credit Acceptance back in XXXX and it was repossessed and dropped my credit score and is still on my credit report after the came and got the car and sold it I was told by the company to pay XXXX $ dollars in order to get the car back but I didnt have that kind of money back then so I just let them keep the car now Im unable to get get any car from a car lot because I have a repossession on my credit report
Consumer complaint received 2023-04-06
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)

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.
Consumer complaint received 2019-05-03
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. (NC)

To whom it may concern looking at my credit report I noticed some errors in the reports by XXXX, XXXX, and Equifax. 

1. Personal information on my report that is not minds ( Names and address ) .I live in North Carolina   Presently for the last 8 years. Havent live in XXXX XXXX Alabama or XXXX XXXX Arizona. 

2.Student Loans from XXXX for XXXX dollars starting on XX/XX/16 and another one from XXXX for XXXX starting on XX/XX/16. 

3.Old information and accounts over seven years keep appearing up.