davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-08
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

Regarding complaint responses XXXX ( XXXX/XXXX ) and XXXX ( Select Portfolio Servicing, Inc. ( SPS ). XXXX responded, " As referenced in our XX/XX/2019 and prior response letters, XXXX is not seeking a judgment with respect to the outstanding loan nor did XXXX file the Assignment of Mortgage that Mr. XXXX references. Therefore, XXXX is unable to comment on the allegations that Mr. XXXX outlined in his correspondence regarding SPS 's actions ''. If that is in case fact, then how do they explain why XXXX is on both the Corporate Assignment of Mortgage and Allonge To The Note ( attached )? This could only mean 1 of 2 things, XXXX continues to fabricate and is evading the truth, or SPS has used XXXX unknowingly/unwillingly/illegally! In addition, SPS continues to refuse to answer my questions regarding the gross and misleading errors in the XXXX which was erroneously filed ( as per my last complaint ). As fiduciary, I continue to reject any and all claims by SPS and XXXX ( XXXX ).
Consumer complaint received 2016-12-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX DOB XX/XX/XXXX XXXX XXXX FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX, XXXX # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX A XXXX ACC # MEDICAL ACC # XXXX XXXX, XXXX F XXXX XXXX XX/XX/XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2019-10-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NY)

the complainant file a dispute with its bank ( wells fargo ) several weeks ago concerning an overcharge and/or a fraudulent charge by XXXX / XXXX car rental. on or about XX/XX/2019 XXXX / XXXX or/and wells fargo charged my account causing my account to go negative and in addition, they took nearly {$600.00} dollars from my account. The remaining {$600.00} was money allocated for school books and etcc, as the complainant is enrolled in XXXX XXXX college. Due to wells fargo action I will not be able to purchase the required books for my class which may result in me failing my class. I will be filing a civil lawsuit against well fargo for this action.
Consumer complaint received 2018-05-25
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

In XX/XX/XXXX I obtained a Cabela 's Capitol One Visa credit card with a {$3000.00} limit. In XX/XX/XXXX I was three days ( 3 not 33 days ) late with making a payment of XXXX. In XX/XX/XXXX my limit was decreased to {$1500.00} at the time I had over {$1400.00} in charges that I was paying on. after lowering my balance it had a huge negative impact on my credit causing my points to be decreased by 50 points and my debt to income ratio to increase painting the picture as if I do not make payments or pay my bills. during that time I was in the process of purchasing a home and could not secure the loan amount because of what Capital One/Cabela 's  done to my credit for being 3 days late and only had the card for less than 90 days. This really puzzled me of how a company can destroy someone's creditability for no reason I have never been anywhere near 30 or beyond late. After paying the card down to XXXX dollars to lower my XXXX so I could secure a loan to purchase a home for my family before I retire from the military. I was told it was best to have a balance on the card not to hurt my credit so I charged {$270.00} on the card. 0n XX/XX/XXXX my credit limit was reduced again to {$500.00} for no apparent reason. All payments were made in time automatically through ACH set up to eliminate any reasons for what happened previously. Again I am now about to close on a new home and they do this again with no reason as of why. When I called they could not give me a reason as of why they did it. This has to be a violation of the FCRA. I got the card to help boost my credit and they have done everything to destroy it. I have been looking for contact information to email the CEO of this company because this is very unfair treatment to a customer who has paid of cars with Capital One and have spent a lot of money with Cabela 's. Is this predatory lending or a set up to destroy credit and lose faithful Cabela 's customers. in less than a year and never late they have successfully destroyed me for no reason.
Consumer complaint received 2023-04-11
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. (NC)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act. XXXX XXXX : XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1682 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-10-08
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. (CA)

I've tried on several occasions to get an account listed in dispute to have the dispute removed. Equifax REFUSES to remove the dispute language on the account and is causing me a great deal of difficulty in completing a home loan. I have tried for past several months to get the account removed but they will not remove it.
Consumer complaint received 2023-04-11
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXXXXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$310.00} ; XXXX XXXX XXXX Balance : {$240.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2019-05-26
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: Experian Information Solutions Inc. (OH)

I have written 3 letters to Experian about removing a bankruptcy from my credit report due to them not validating it correctly and for violating FCRA laws when they tried. I have sent letters XX/XX/19, XX/XX/19, and now XX/XX/19. They have failed to provide proof of validation and are breaking FCRA Laws which I have provided proof on upload.
Consumer complaint received 2019-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Preferred Collection and Management, Inc. (FL)

I have had multiple attempts to contact me, every 4 days, robocall. I contacted them today, XX/XX/2019 for a previous call left on my voicemail. 

The lady said they were a debt collector for XXXX XXXX, who apparently had my cell phone number before me. I have gotten other calls for her as well. I told the lady the same thing and asked to be removed. She said she understood, and would remove me but if a report came up with my number I would be contacted if it was regarding the original phone owner. 

They then called again on the same number and robocall. 

I would like them to quit harassing me. They have called me 7 times since XX/XX/2019. 

XXXX XXXX XXXX
Consumer complaint received 2019-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've requested to have accounts that were previously in dispute to have the dispute language removed so that I can close on a loan. I've requested that the dispute be removed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/2019 and the company REFUSES to remove the dispute language. I'm requesting that they be contacted about their willful noncompliance to remove my account out of dispute.
Consumer complaint received 2024-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts/information below XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$4900.00}
Consumer complaint received 2023-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act these accounts have violated my rights XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX # 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.
Consumer complaint received 2019-10-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (MO)

InXX/XX/2018, I entered into a settlement with XXXX XXXX XXXX on behalf of Citibank, N.A for {$10000.00} I agreed to pay {$1000.00} up front and {$250.00} the first month and {$250.00} for the following 11 months. The bill was paid automatically with my debit card. In XX/XX/2018, Citibank took back my account without contacting me. XXXX also did not contact me. No money was taken from my account and I didn't pay attention. Citibank then hired XXXX XXXX to collect a debt and the rest of the debt of {$8000.00}. All parties claim this is not their fault. No one will honor the original settlement even though I paid on time.
Consumer complaint received 2023-04-11
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. (GA)

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$2100.00}, XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2019-10-08
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-10-08
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)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2020-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2020 I wrote two checks. Check # XXXX was to XXXX XXXX {$460.00} - Check # XXXX was to XXXX XXXX XXXX {$670.00}. Both checks were cashed by the above parties via their telephone banking. No problem. 

On XX/XX/2020 Check # XXXX was presented for payment again with Bank of America and it was cashed in the amount of {$940.00}. The payee was altered as was the date and the amount of the check. My signature was not altered nor was the memo on the original check. 

On XX/XX/2020 Check # XXXX was presented for payment again with Bank of America and it was cashed in the amount of {$940.00}. The payee was altered as was the date and the amount of the check. My signature was not altered nor was the memo on the original check. 

I have tried several times to get this resolved with B of A, multiple calls to the fraud center and visits to the local branch. They asked for documentation and I sent it to them. The communication is one way with B of A. They will not follow up on documents sent and offer no assistance. They refused to contact me and tell me there may have been errors in their company generated form so they took a total of {$1800.00} out of my small business account on XXXX. As of today they said the case was closed. 

I have spent hours talking to the B of A fraud dept about this but they refuse to cooperate and communicate so this can be resolved. I filed a police report within 48 hours of the checks being detected as fraud back in late XX/XX/2020. 

I maintain that I have done nothing wrong. It is a problem with B of A 's software that allows for duplicate check numbers to be cashed. Banks simply are not supposed to cash the same check number twice. Bank of America refuses to take responsibility and wants me to indemnify them for their loss. 

Basically B of A has stolen {$1800.00} from my account. I have attached copies of the checks in question. You can see the check numbers are the same yet B of A cashed them TWICE. This is a case of obvious fraud and I am a victim by both the fraudster and now B of A has decided to victimize me.
Consumer complaint received 2016-01-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: JPMORGAN CHASE & CO. (IL)

I attended XXXX College XXXX and I needed some additional funds to further my education '' I graduated ''. Once I completed my degree I began to hunt for employee in my field like a lost leaf in the big city. I found know work in my field so I began to look at other options, jobs that could help me pay my debt. After almost a year I started to get worried because I had n't heard anything from the bank, so in my mind I felt like I had time still because any creditor/lender is required to send you a notice of when your bill is due and this did n't happen for me. So I reached out to Chase when I found employment and asked if I could make some arrangements and I was told know. So now it 's been two years of going back and forth with them and nothing. I need help with this, any suggestions would be greatly appreciated
Consumer complaint received 2019-05-26
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: EQUIFAX, INC. (NY)

The information listed here is showing on my credit report but does not belong to me. I have filed a complaint with the FTC and contacted the creditors. I also sent the credit bureaus copies of my identification and social security card. These items must be removed immediately, otherwise the credit bureaus are supporting fraud! 

1 ) XXXX Opened XX/XX/2015 {$16000.00} ( Highest Amount ) 2 ) XXXX  XXXX Opened XX/XX/2015 {$500.00} 3 ) XXXX Opened XX/XX/2015 {$460.00} 4 ) XXXX XXXX Opened XX/XX/2015 {$1400.00}
Consumer complaint received 2023-04-11
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. (GA)

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXI XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2019-10-08
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Roycroft Management (NV)

This company began calling me numerous times a day for months saying I was being sued for a loan account opened over a year prior. They also called my mom, who was not listed on the loan, telling her I was being served for legal purposes. I called back and made a payment arrangement with the company to stop the harassing calls. The agent I spoke to, XXXX XXXX, was rude and threatening during this process. My boyfriend was suspicious of the whole thing, so I decided to XXXX this company. Not a single legitimate thing came up regarding this company. False address, numerous scam complaints. I called the number back that I had used the day before, no answer, BUT the voicemail gave a different name and said the person was a floor supervisor. I called the number again and XXXX XXXX answered the phone. I told him that I closed the account that I gave them information for and that I contacted my attorney regarding them because they gave false information about the company and they had a false address. XXXX XXXX began yelling at me asking how googling their address had anything to do with this and that i just made things worse for myself by closing the bank account and cursing at me saying do you think I give a sh** about you paying back your loan? I told him my attorney would be contacting him and hung up. He then began calling me again from a different number and leaving voicemails.
Consumer complaint received 2019-04-12
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: URS Holding, LLC (AZ)

This business frequently calls around XXXX XXXX. I have explained to them I do not live in GA and I live in AZ. I have updated my address, I have a mail forward and I even made sure my address was correct on my credit report.