davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XX/XX/XXXX a person used my maiden name ( XXXX XXXX XXXX, a false address ( XXXX XXXX XXXX ), and the last XXXX digits of my SSN to open a XXXX XXXX account. I was unaware of this activity until I received a notice from XXXX Bank on XX/XX/XXXX that the debt had been sold to Porfolio Recovery Associates, XXXX. On XX/XX/XXXX, Portfolio XXXX sent me a notice that they had acquired this debt and were attempting to collect it. Shortly thereafter, I reported the error to XXXX bank, the three credit reporting bureaus, and XXXX XXXX. 
On XX/XX/XXXX, XXXX notified me that my dispute has been resolved and they acknowledge that the debt was not mine. I have also successfully flagged XXXX XXXX XXXX as a fraudulent address on my credit reports. However, because Portfolio XXXX has moved to collections and disputes my claim of fraud, this debt still appears on my credit report. 
Today, I filed a police report.
Consumer complaint received 2022-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy ( if any ) from my credit report immediately.
Consumer complaint received 2022-02-11
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. (FL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2020-11-05
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. (OR)

I filed a FTC identity theft report and police report and submitted to the credit bureaus because there are four fraudulent accounts and Experian is refusing to accept my FTC report. They claimed the format was wrong. However I printed it directly from the website. I contacted the FTC today who confirmed there was nothing wrong with my report that it is just like the others they see every day. They suggested me file a complaint because its a legal document. The attached document is the same that I have provided to Experian
Consumer complaint received 2020-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I noticed a charge for {$27.00} on my visa account recently for transunion. This charge never showed up on my recent purchases and went straight to my statement. Digging deeper I found that I have been charged four times since XX/XX/2019. I have reported these charges as fraudulent to my credit card account and cancelled the card. I have tried multiple times to call transunion and have not gotten through. I am XXXX XXXX military and rarely have time during the day to stay on hold for over an hr only to have my call dropped. I never authorized any charge for transunion and they have not made themselves available to aid me in solving this problem. I am afraid that they will begin to report this as a derogatory account.
Consumer complaint received 2020-11-05
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. (OK)

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 OK XXXX XXXX XXXX XXXX XXXX XXXX  XXXX , XXXX XXXX XXXX  XXXX {$13000.00} XXXX  XXXX XXXX {$2.00} XXXX XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX {$790.00} XXXX/XXXX XXXX  XXXX {$18000.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Consumer complaint received 2020-06-05
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. (SC)

While traveling with my wife we lost one of bags. The bag had both mine and my wifes wallets in there. After several hours of calling around I was able to cancel all my cards and order new forms of id. About a year and a half later my wife and I both started receiving calls from debt collectors and solicitation calls so we got alarmed and wanted to find out what was going on. We ordered a copy of our credit report and were shocked to see so many accounts that we have never had nor heard of. This is 100 percent identity fraud. Also we had accounts with XXXX and had our information put at serious risk in the XXXX data breach!
Consumer complaint received 2022-07-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (NY)

My problem is this : back in 2006 my spouse and I did a spousal consolidation loan to make it easier to make one payment together. These loans are impossible to untangle, and make it impossible for either of us to qualify for loan forgiveness, even though we have the requisite 120 payments and public service. We are only excluded from these programs because of the consolidation of our FFEL loans.

Further, I had to apply for loan forgiveness three different times and be rejected for three different reasons, none of which were the spousal consolidation, but all of which were because of the spousal consolidation. 

A growing number of us are discovering this problem and we would like the CFPB to join us in pressuring Congress to do the right thing so we can disentangle these loans. What a mess this program has been!
Consumer complaint received 2023-06-29
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance XXXX {$3800.00} XXXX XXXX XXXX Balance : {$3800.00}
Consumer complaint received 2022-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NM)

On XX/XX/2022 at XXXX I went into the branch of Wells Fargo ( # XXXX XXXX ) to make a single deposit. The check was in the amount of {$15000.00}. I filled out the deposit slip with minus {$500.00} cash back. The Teller called for manager approval and the manager came over, reviewed the documents and approved the transaction. The Teller gave me my Transaction Receipt and no cash. I told the Teller that I wanted {$500.00} cash back. She said to re-enter my debit card into the charge master and re-enter the amount I wanted cashback, which was {$500.00}. My statement now reflects a deposit of {$14000.00} and a cash withdrawal of {$500.00}, which is incorrect as I only received {$500.00}. I called Wells Fargo Claims department on XX/XX/2022 to dispute this and have followed back up with a call on XX/XX/2022. The claim number is XXXX, which is still unresolved. My account needs to be credited back {$500.00}. I have lost trust in Wells Fargo to handle my money correctly and have no confidence that they have my best interest in mind.
Consumer complaint received 2022-10-19
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NY)

I received a {$100.00} Vanilla Visa gift card as a holiday gift from my boss in XX/XX/XXXX. I never opened the cardboard packaging to use the card until XX/XX/XXXX. When I went online to make a {$10.00} purchase, it was rejected for insufficient funds. I looked at the balance of the card on their website, only to find out that the card had a {$0.00} balance. There were 20 - {$5.00} XXXX XXXX gift cards purchased with this gift card on XX/XX/XXXX. I immediately contacted Visa on XX/XX/XXXX via phone, and submitted a dispute form to them the same day. They finally responded on XX/XX/XXXX with a resolution letter, denying any recourse, as they said " The Payments Network allows recovery efforts to be submitted within 60 days of the date the transaction cleared the account. Your claim is outside of this timeframe. Unfortunately we have no rights of recovery. '' These fraudulant purchases were made before I even received the card in XX/XX/XXXX - I had no way of knowing that the card had been hacked! Their decision had no thought or care as to the events that preceded my dispute being filed. They just don't care. 

I sent another email to their gift card disputes department on Friday, XX/XX/XXXX, asking that they reconsider their decision due to the fact that the card was hacked on XX/XX/XXXX, and I didn't receive it until after the 60 days of recovery had expired. I tried calling their customer service department, and spoke with XXXX, who told me I had to wait for someone to respond to my email. I am just getting the run-around from Visa, and I am totally frustrated with them. My boss spent {$100.00} on a gift card that didn't have any value on it when he purchased it, and passed it to me, thinking he was giving me a nice gift. 

I am unable to attach my emails to them, but am more than happy to forward them to you if you provide me an email address by which to do so. 

I am hoping you are able to help to obtain a replacement gift card from Vanilla Visa, as the way they treat a victim is absurd.
Consumer complaint received 2018-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

on XX/XX/XXXX I open a certificate of deposit with XXXX   the company start to report my payments as XX/XX/XXXX but up to now my credit score hasn't changed nor the credit agency hasn't posted no payment history on my report
Consumer complaint received 2019-11-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (TN)

It started with XXXX XXXX XXXX, they told me to miss a couple payments and they could do a modification. I returned the usher, and each time they would say I didn't turn in a certain page, I'd resend, and then it'd be another page. Long story short they made s sell date and I called the Tennessee General attorney, who then called XXXX, and the next day they sold my loan to Nationstar. They said the modification would transfer to Nationstar. I called nationstar multiple times and they kept saying it'd take time to receive it. Next thing I know I'm getting foreclosure papers. The fees they were charging were more than what I originally owed. I couldn't come up with $ XXXX so I filled a chapter XXXX bankruptcy. I paid on my bankruptcy got three years, and my lawyer advised I should cancel the bankruptcy and pay the issues due. He stated he speak with them. My bankruptcy closed in XXXX, and I have a sale date less than three months later. I received an application for a modification to weeks ago that was date for XXXX. I never received any papers about foreclosure. A couple was outside my home, and u asked if I could help them, and they advised my home was listed for sale. I immediately called Nationstar ( Mr. Cooper ) who advised me of a sale date less s week and a half away. I asked for a reinstatement amount, and was advised I had to pay {$11000.00} by Monday XXXX XXXX XX/XX/2019 by bank wire transfer. They never notified me of foreclosure, they wouldn't work with me at all, even though I had the money to catch the loan up, and again, they are charging more in fees than what I owe.
Consumer complaint received 2018-12-11
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: SYNCHRONY FINANCIAL (CA)

Care Credit did not resolved my complaint about unauthorized charges on my account : 1 ) Unauthorized and unacceptable fees charged to my card by Care Credit Affiliate, " XXXX XXXX  '' ever since I agreed with the dentist to get a 12 months free interest with this company.

2 ) Unauthorized and unacceptable charges made on my accounts on three occasions, XX/XX/XXXX amount of {$450.00} was Charged by XXXX XXXX XXXX  which was not mine and I never authorized or received a service from the XXXX..

XX/XX/XXXX amount of {$1200.00} was charged by XXXX XXXX XXXX XXXX which was not mine and I never authorized or accepted any charges and in fact I never even met XXXX XXXX XXXX  
XX/XX/XXXX amount {$1000.00} was charged by XXXX XXXX XXXX which was never authorized or accepted by me and I never received any services. All these charges have been disputed for almost a year and many phone calls and letters to Care Credit have not resulted a fair outcome. Furthermore I have been charged a late fee charge every month because I am disputing these charges and fees and I don't believe I should pay bills which are not mine.
Consumer complaint received 2022-06-14
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. (NJ)

In accordance with the Fair Credit Reporting Act These Accounts ; XXXX XXXX XXXXXXXX BANK XXXX XXXX XXXX credit limit XXXX XXXX XXXX XXXX credit limit XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX credit limit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  have violated my rights. 

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 an account without my written instructions In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information.
Consumer complaint received 2022-06-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Dear XXXX XXXX, After receiving the response to my complaint via consumer finance this is a follow-up response due to the error not being corrected. The FCRA allows you to continue reporting the account for seven years from the first delinquency that led to the charge off, which for me is XX/XX/XXXX and as of XX/XX/XXXX the account should have been removed from my credit report to comply with FCRA an althrough this account has been reported on my credit for the past 7 years I have never receievd a validation notice which violaited FDCPA policy.
Consumer complaint received 2022-07-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (KY)

Predatory loaning and XXXX the interest rate as well over the legal limit Federal and my state at 22.99 % they rope you into these deals knowing you're desperate plus put {$3000.00} down payment on a {$9900.00} car and they add a two-year warranty they don't tell you about and XXXX  insurance they don't tell you about. So your down payment goes toward nothing and as the paperwork says I end up paying {$18000.00} for a {$9900.00} car I put {$3000.00} on this company is crooked and has been doing this to people for years now and already has lawsuits against them predatory loaning and usury is astronomically wrong. Also we signed all the paperwork at the dealership and the signatures on the uploaded contract that I put on definitely not our signatures
Consumer complaint received 2022-06-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Dear XXXX XXXX, After receiving the response to my complaint via consumer finance this is a follow-up response due to the error not being corrected. The FCRA allows you to continue reporting the account for seven years from the first delinquency that led to the charge off, which for me is XX/XX/XXXX and as of XX/XX/XXXX the account should have been removed from my credit report to comply with FCRA an althrough this account has been reported on my credit for the past 7 years I have never receievd a validation notice which violaited FDCPA policy.
Consumer complaint received 2021-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY (NY)

Please refer to complaint XXXXwhere i was charged {$15.00} for an allegedly bounced check from XXXX XXXX  wherein fact TD bank misentered the check amount and charged me {$15.00} fee mistakenly. Today i spoke with XXXX XXXX, XXXX XXXX and XXXX at TD bank to refund me the {$15.00} for their banking error and they did not and provided no explanation. Now I would like to be refunded {$15.00} from TD bank and receive {$15.00} for my time and inconvenience. The check from XXXX was for {$50.00} and td bank mistakenly entered it as {$59.00}.
Consumer complaint received 2018-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (TX)

Company name : Monterey collection sv XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Acct XXXX I have ask for the following and if not recieved I requested deletion and I have yet to get the following items 1 agreement with the creditor that authorizes you to collect on this alleged dept 2the agreement bear my signature stating that I have agreed to assume the dept 3 valid copies of the dept agreement stating the amount of the dept and interest charges 4 proof that the statute of limitations has not expired 5 complete payment history on this account along with an accounting of all additional charges being assessed 6 show me that you are licensed to collect in my state ; Texas 7 your lincense numbers and registered agent I have yet to receive any of this information, and its really becoming a problem, please assist me with this issue
Consumer complaint received 2018-12-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

XXXX  XXXX XXXX XXXX incorrectly charged off my account. After contacting them they advised me to dispute the error with the credit bureaus. After disputing with the bureaus I was advised contact the original lender. The account is being negatively reported and both the lender and bureau XXXX and Experian are not willing to correct the issue.
Consumer complaint received 2021-12-09
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. (WI)

I have been having this Problem for about XXXX years.My mother passed away in XXXX and she was the primary loan holder.At that time I was a co borrower and had my own residence.In XXXX of XXXX my deceased mother 's probate closed and the house was to be paid off.Heres were a serious problem occurred, I was not allowed to close probate because of misleading information on my state record of being a felon.I know you can't be a executioner of a estate if you are XXXX XXXX or have XXXX XXXX XXXX.I didn't have either but wasn't allowed to pay off my mother 's home because of wrongful and XXXX XXXX  keeping by Wisconsin State courts.I was not just a coborrower I am also a heir and also was excluded from closing probate while having a loan to pay off with my deceased mother.My mother 's name wasn't no longer on the mortgage statement so I was on the hook for paying a mortgage off and being robbed of my inheritance by false information by the state of Wisconsin.The Mortgage company XXXX XXXX sold the loan over to XXXX XXXX without knowing that at this point the whole mortgage was fraudulent.XXXX gained the loan and kept billing me without my mother 's name being on the mortgage statement.The illegal probate was the reason my mother 's name was supposed to been kept on the mortgage statement so this wouldn't have happened.Back in XXXX of XXXX after bringing this illegal probate up my mother 's name was placed back on the mortgage state by XXXX XXXX XXXXThis should have let XXXX XXXX XXXX know that had bought a fraudulent loan with a deceased person name on a mortgage statement.XXXX XXXX XXXX threatened me with foreclosure even after finding out the loan was fraudulent.On XX/XX/XXXX of XXXX my home was foreclosed on and I feel like I got robbed because my mother died XXXX XXXX XXXX and this is what she worked so hard for.I know I have been a victim of mortgage fraud and wrongful foreclosure.I need answers and the return of my estate property!!!