davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: STERLING JEWELERS, INC. (NC)

I am filing a complaint against KAY JEWELERS because they are attempting to collect a debt that I do not owe them. Account Name : KAY JEWELERS, Account Number : XXXX I would like for KAY JEWELERS to show proof of verification that I owe them {$1500.00} with the account above. To my knowledge, this account has been paid. KAY JEWELERS is reporting inaccurate information on my credit report.
Consumer complaint received 2021-05-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Neon Newco Corporation (TX)

I HAVE HAD AGGRESSIVE ID THEFT. 
THE DECEPTIVE PRACTICES BY NET SPEND MY PREPAID CARD IS BLOCKED ANDFOR THE LAST FOUR DAYS AFTER SENDING IN MY INFORMATION TWO TIMES EVERY PERSON IN CUSTOMER SERVICE HAS AN XXXX OR XXXX ACCENT. 
IM NOT XXXX IM A CUSTOMER WHOS CASH WAS RENDERED AT THE TIME OF PURCHASED AND MY IDENTITY GIVEN On XX/XX/2021 I purchased a netspend predpaid card in the amount of XXXX for an emergency use when attemping to activate card Its blocked and now they are asking me to provide my drivers lic. Ssn and proof of adress on XX/XX/2021 WAS sent via fax my information ref # XXXX .Net spend. XXXX XXXX XXXX Texas. And today I resend my documents via email to XXXX. I eceive a MAIlER_DEMON REPLY HOWEVER, The EMAIL IS CUSTOMER SERVICE ACKNOWLEDGED MY RECIPT sent EMAIL. I HAVE REQUESTED A REFUND .ACCORDING TO : CUSTOMER SERVICE I WILL RECEIVE A CHECK IN THE NEXT 10 BUSINESS DAYS. I spoke to manager after customer service rep over and over they have caused me nothing but emotional mental tribulations arguing with me. customer service at XXXX.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MD)

Experian is in Violation of Reporting Unauthorized Inquires 15 usc s 16881 b ( c ) ( 1 ) ( a ) All Inquires are Misleading False and Fraud Under 15 U.S Code 1681b Please Delete All Of The Fraudulent Inquires From My Credit Report
Consumer complaint received 2021-05-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against IQ INTERNATION DATA. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2021-05-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (NY)

I started a refinance of my current loan with Quicken Loans/Rocket Mortgage in XXXX of 2020. On a monitored and recorded line the loan officer XXXX XXXX NMLS # XXXX stated I would receive a rate of 2.99 % with total closing costs of {$8500.00} and it would take a total of 90-120 days to close. I authorized Quicken to take a {$500.00} deposit. After receiving conditional approval for the loan, the terms of the loan drastically changed. The closing costs tripled and the rate was only locked for 60 days when XXXX stated on a monitored and recorded line the loan would take 90-120 days to close. I tried to work this out amicably but Quicken refused to honor the original agreement or refund the {$500.00} deposit. Unfortunately, there is no way for them to undo the hard credit inquiry that will stay on my credit for two years.
Consumer complaint received 2022-01-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2022-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC (CA)

I tried calling company that added information on my credit report after I had already submitted other credit protection on my credit report then all of a sudden this company that had already tried submitting other negative accounts prior submitted now this one from unknown company. I have been a victim of identity theft I have done everything in my power to stop the negative accounts and some how I keep getting targeted, especially by agency like these. 

I need this Monterrey collection to stop trying to collect or report debt that is fraud and it is not my debt
Consumer complaint received 2021-05-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ORG GC GP BUYER, LLC (NV)

I was contacted by XXXX XXXX XXXX of a collections notice that has impacted my credit so I requested a full credit report to discover there are two XXXX XXXX accounts with two separate addresses ( XXXX XXXX XXXX XXXX , XXXX XXXX NV XXXX XXXX / XXXX  XXXX XXXX XXXX XXXX NV XXXX ) that were past due in the amount of {$69.00} and {$1300.00}. I have never had any business with XXXX XXXX so I called to report the fraudulent account, also contacted all three credit bureaus and filed a police report.
Consumer complaint received 2018-08-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation (NV)

XX/XX/XXXX I had severe damage do to my home because of 35 feet of snow in 20 days. It was a natural disaster, historical for the XXXX area. My home has been under construction since XX/XX/XXXX after the snow melted. I have a XXXX child that has in home therapy that had to be changed to 50 miles away from our home because of construction with meals outside of our home because of lack of use of our kitchen. Our homeowners insurance company XXXX has taking up to 8 months to approve the repairs. So permits have lapsed and winter weather restrictions have pushed this construction back. I have notified my mortgage company XXXX numerous times before I got into financial problems and have applied for a homeowners assistance program/loan modification. I have been denied twice. I want to stay in my home. I am a XXXX XXXX year old ( XXXX ) and have a severely XXXX child. I will mail you the corresponding documents by mail. 

Please help ... ... Tell me what to do next!
Consumer complaint received 2018-08-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (CA)

Daily phone calls beginning in XX/XX/XXXX. 
Mutiple phone calls a day starting in XX/XX/XXXX. 

Receiving phone calls from the following numbers : XXXX XXXX XXXX called 2x XX/XX/XXXX XXXX XXXX called 2x XX/XX/XXXX XXXX XXXX called 2x XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX I eventually had to place 5 numbers on a 90 day block due to the increased frequency of calls each day. One number will also call, and a few hours later I will receive a call from a different number.
Consumer complaint received 2021-05-14
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 — Problem with personal statement of dispute
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

Cosigned for mortgage in XXXX. Account seriously delinquent since at least XX/XX/XXXX. Never notified of delinquency EVEN to date by HSBC or the primary borrower. Discovered XX/XX/XXXX when routinely checking credit report. I don't even have an account number for this loan! My credit score dropped from XXXX to XXXX in XXXX because of this account. I obviously pay my bills! HSBC, by NOT informing us of the delinquency, has engaged in unfair credit reporting. How can I be expected to resolve this matter if I'm uninformed? This could have been resolved 2 years ago & modifications made. As I stated I don't even have an account number. Also we have NEVER lived at the address of the loan nor have we EVER received mail there. The address was added to our credit report XX/XX/XXXX without our knowledge or consent! An HSBC representative informed us that the primary borrower can request that the cosigners NOT receive notifications! If we have EVER been notified of issues with this account, please provide us the addresses or phone numbers notified because there are several wrong phone numbers & addresses listed on my credit report.
Consumer complaint received 2021-05-14
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. (FL)

Good Aftereven, ealier today i pulled my credit report through XXXX and I saw there were a few accounts and credit inquiries on my credit report without my knowledge. I am a victim of identity theft. I contacted the credit bureaus regard this. I also call each and every company before filing the identity theft report. I did not authorized none of these accounts and credit inquires. I never did business with such company. I have attached my identity theft report along with mu drivers license to confirm my identity.
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XX/XX/2019 the amount on 1st account is XXXX. 2nd account is XXXX. 3rd account is XXXX. I have filed a identity theft affidavit, and has ask to creditors reporting agency to provide me proof and verify these accounts because these accounts are inaccurate. The creditors can not verify these accounts and has no prof that these accounts belongs to me. I want these accounts verified from the credit reporting agencies before they start reporting inaccurate accounts and derogatory accounts on my credit report. I want a fair investigation on all unverified accounts thats on my credit report.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (IN)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Wells Fargo Dealer Services regarding inaccuracies in the reporting of my account. I have submitted disputes for the account in question, challenging the accuracy of the information reported. Wells Fargo Dealer Services has responded, asserting that the information is verified and accurate. However, my XXXX  credit report shows significant discrepancies in the " Account Rating, '' " Date of XXXX  Activity, '' and " XXXX  Payment '' details, which have been verified as incorrect. 

Account Information : Account Number : [ Your Account Number ] Creditor : Wells Fargo Dealer Services Discrepancies : Account Rating : Wells Fargo Dealer Services has reported an Account Rating that differs from the verified information. The discrepancy in the rating negatively impacts my XXXX XXXX and misrepresents my XXXX. 

Date of XXXX  Activity : The reported " Date of XXXX  Activity '' on my XXXX credit report does not align with the accurate information that I have verified. This misinformation can have significant consequences on my credit history. 

XXXX  Payment : The reported " XXXX  Payment '' information also differs from the verified details. This inaccuracy can impact how my creditworthiness is perceived and affect future financial opportunities. 

I have taken the necessary steps to dispute these inaccuracies with Wells Fargo Dealer Services, but their response suggests a failure to rectify the discrepancies. As a consumer, I believe it is my right to have accurate and truthful information reflected in my credit report. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter and compel Wells Fargo Dealer Services to correct the inaccuracies in my credit report. I also request that XXXX  adverse effects on my XXXX XXXX resulting from these discrepancies be rectified promptly. 

Thank you for your attention to this matter. I appreciate the efforts of the Consumer Financial Protection Bureau in ensuring fair and accurate credit reporting practices.
Consumer complaint received 2017-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2021-05-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (NV)

Loan on a XXXX  XXXX XXXX, financed at dealership through XXXX program at Chase XXXX JP Morgan Chase, NA ). 

Began making regular monthly payments to Chase, no issues until I made two payments in XXXX, 2021 XXXX the XX/XX/XXXX and XX/XX/XXXX payments ) and the loan payment due date did not age two months to XX/XX/2021, only to XX/XX/2021. 

I called and spoke to a Chase representative XX/XX/2021. She stated that it is Chase 's " policy '' that they do not age payment due dates ahead except if the customer calls and requests this, and then, only up to three months ahead. She said that she will " reallocate '' the second payment I made in XXXX, 2021 to age the payment due date to XX/XX/2021. I verified a few days later that this had been done. I also requested to talk to a supervisory or management person about this " policy ''. She said that she had to submit this for a supervisor to call back one should call in 24 - 48 business hours. 

I never got the supervisory / management call back so I called Chase again XX/XX/2021. The representative referred me to a supervisor. That supervisor verified that failure to age ahead for payment ahead was a Chase policy, requiring the customer to call in for " reallocation '' of such payments when making them. He said that this was not his first such complaint and that he would submit this to management group as " feedback ''. 

On XX/XX/2021, I made another payment, which should have aged the payment due date to XX/XX/2021. However, it stayed aged to XX/XX/2021. 

On XX/XX/2021, I again called Chase. The representative said that if the payment due date is more than XXXX XXXX XXXX XXXX days in the future, the payment won't age the due date further unless the customer calls in to make this request. Such payments are applied as " principal ''. He agreed to request corrected reaging for this payment. I noted that in my payment history on XXXX, the XX/XX/2021 payment is shown as " payment '', not " Principal ''. He stated that despite this on Chase 's own records, it was considered " principal '' unless the customer calls in for reaging. 

Chase is unilaterally revising contract loan payment terms without any borrower agreement or authorization. A contractual monthly payment is exactly that, except when applied by Chase under their " policy ''. I further note that Chase does not even note or disclose this when accepting such payments through their web site. 

Loan documents set out loan repayment terms. Neither the lender, eventual holder, or the borrower can unilaterally revise these terms without full consent of any other parties to the loan documents. Chase call this illegal modification of repayment terms their " policy ''. That does not make it right.
Consumer complaint received 2021-05-14
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. (UT)

I have been disputing accounts with the bureaus for months now and I have yet to hear anything back from them. I have serious negative information on my account that needs to be resolved. Please fix immediatley.
Consumer complaint received 2021-05-14
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. (UT)

I have several collections from US Dept of Education that are reporting inaccurately. I have contacted the US Dept of Education and they have told me to take it up to the bureaus. I have been disputing the account for some time now but nothing gets done. These accounts are all consolidated, I consolidated them a while ago. They should no longer be in collection status. Please fix as this is severely affecting me being able to move forward with my home loan.
Consumer complaint received 2021-05-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

Tried to buy a video game sonsole through XXXX XXXX. Person under the name XXXX XXXX that actually lives in North Carolina XXXX possibly XXXX XXXX scammed me after I sent a partial payment for said console. He received {$360.00} through Venmo app, money that was supposed to be the first part so he could send the package through XXXX. I already contacted XXXX XXXX and Venmo app for assistance, but wanted to get more help since none of them could stop the payment right away when it happened.
Consumer complaint received 2021-05-14
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. (MI)

I got a recent report change from Experian that means The average age of your account is now 2 years 5 months I didnt open any account 2 years 5 months ago..! Please can investigate my SSN opened average 2 years 5 months ago, and let me know about your decision.
Consumer complaint received 2022-04-11
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 did not authorize '' Experian, '' nor did I consent to following inquiries being furnished on my consumer report : 1. 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 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 XXXX XXXX- XXXX, XXXX, XXXX XXXX XXXX XXXX - XXXX, XXXX, XXXX
Consumer complaint received 2022-04-11
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (IL)

I purchased a couch and love seat from Ashley furniture online on XX/XX/22 using my Ashley XXXX credit card. An hour after making the purchase I canceled the order. Ashley furniture charged me for the canceled items. Neither the store nor sychrony bank will help me remove the charges even though it shows the order was canceled.
Consumer complaint received 2021-05-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY (CA)

Car loan was paid off in XX/XX/XXXX. TD Auto Finance still has not released the title. I have been trying to get the title released for over a year now. They kept citing a vague 'DMV error. ' Now they are telling me I need a 'registration only ' letter from the WA DMV - the car has never been titled in Washington XXXX It was purchased in California in XX/XX/XXXX and has always had a California title. TD Auto Finance refuses to communicate with the DMV or XXXX to resolve the issue and release my title.