davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Atlanticus Services Corporation (MI)

I want to make a formal compliant again Fortiva. I made a purchase of a mattress from XXXX XXXX XXXX  store on XX/XX/XXXX and scheduled for delivery on XX/XX/XXXX. I was sold on using this finance company because they offered 6 months of no interest. From the day the bed was delivered I have had issues. XXXX  XXXX  have resolved their issue and Fortiva has not as of yet. First I received an text message saying that I qualified for their match pay program. It says fortiva would match every dollar I paid. I called to in to pay off the balance. As I spoke to the rep, he informed me that I did not qualify for the program. I advised that I was contact via text and told that I was. He apologized and reaffirmed his stance. Then I argued that they should honor it because they contact me unsolicited and offered me this program. I was then offered a discount of 40 % for my troubles. So I accepted it. While in conversation I discovered that from the time the bed had been delivered I have been charged interest. This discover was realized after they quoted me 40 % off of $ XXXX. I advised that I was not supposed to have interest per my agreement. I have reached out to them multiple times to have the interest removed. I advised them that I was interested in paying in full but they had to remove the interest. I was advised they could not do that I had to go the XXXX XXXX. I went back to the furniture store when they reopened after Covid and was informed that though they see that I am interest free for the first six months in their system, they could not assist me because they no longer dealt with the account once the sale was complete. I have been going in circles regarding this issue. I am now extremely frustrated that I am now in collections and this is affecting my score. I am still looking to honor my agreement and pay off the balance. However, I am looking to pay it off at the rate of 40 % off that was offered. But It needs to be 40 % off the original price without the interest and fees that were added. Also to have this collections account completely expunged from my credit report seeing as this was reported fraudulently because I was never billed the correct amount. Even after months of trying to get issue resolved. I am reaching out to you now for assistance seeing as I have gotten nowhere over the past few months.
Consumer complaint received 2018-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (NY)

Dear Sir/Madame : I'm writing to request that you look into the operations at US Bank. US Bank is the mortgage servicer on a home I own. Please review the following : 1. I believe, based on several personal experiences, that the bank 's processing center is intentionally holding over-payments ( payments with additional principal ) to artificially inflate the interest earnings of the company. 

This month, I sent a check on XX/XX/XXXX, including a {$1000.00} check from my XXXX XXXX  account as well as an endorsed check for {$2300.00}. On XX/XX/XXXX, I called to begin an inquiry into my lost checks, as the XXXX check had not been cashed. I called again on XX/XX/XXXX to follow up on my XX/XX/XXXX call, since I hadn't received information from the bank on the whereabouts of this mortgage payment. Still, the bank had no answer. I requested that a supervisor return my call with more information, but the bank stated they couldn't call guarantee a call in less than 48hours. During my conversation with the supervisor, I was restrained and extremely angry at the Bank 's inability to a ) find my money, b ) follow up with my request to find this money c ) inability to escalate this issue to sufficiently address my issues. 

As of XX/XX/XXXX, I noticed that my XXXX check had cleared. I called the Bank to find out why they hadn't let me know about the receipt of said money ( which had been allegedly ( per the date stamp on the cleared check of XX/XX/ ) on the day of the call. 

I am concerned that the bank is intentionally withholding overpayments. I also believe that the bank 's communication system is woefully inadequate. 

Finally, since this is not the first time that the bank has held checks for extraordinary periods of time, I am concerned about the application of principal. I have requested the math from the bank to ensure that the bank is not acting inappropriately, but I believe thay they are ... the last time that the bank had problems depositing my money, the bank claimed that the receipt date of mortgage payments does not have a material impact on principal and interest. This doesn't accord with how principal and interest works in my own financial analysis, and I am suspect.
Consumer complaint received 2022-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I canceled my original card ending in XXXX and got a new card XXXX due to fraud issues. A Charge of {$250.00} was placed on my new card number XXXX on XXXX XXXX XXXX by XXXX XXXX XXXX XXXX I disputed the charge on XX/XX/2022, Capital One removed the charge but then reinstated the charge on XX/XX/2022. Capital One claims the company XXXX XXXX  has the right to charge my card due to a recurring monthly fee. To my knowledge I had no such agreement with XXXX XXXX XXXX XXXX is willing to refund the money but Capital one has not returned the money to XXXX XXXX 
I have made 6 phone calls to Capital one, I have 18 emails with XXXXXXXX XXXX. XXXX XXXX wants to resolve the issue, Capital one is clouding the issue by insisting on an official cancelation notice. 
Capital one claims that I failed to respond to a letter, but they Cap one never sent me a letter. All of the calls with Cap one are recorded, therefore there is proof that Cap one told me that no company could charge my new card number XXXX issued in XXXX XXXX XXXX without my express permission..
Consumer complaint received 2023-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (VA)

Hello i am customer of Wells Fargo. I got scammed with fake check of XXXX  . Someone scammed me.stole my customer information and pretend to be my old customer who is sick and and out of town and need my help and he pay me via company check. Wells fargo bank let me deposit the check and verify it for me first without letting me know its not legit. They give me XXXX first ask me to wait for check verification.after XXXX day they give me rest of money. I send that money via XXXX  to someone scammer named as XXXX XXXX XXXX. Bank clear the fake check and released the funds which is totally not understandable how can a bank clear a fake check And after XXXX  days they withdrew all money i had and negative my account. They didnt explain how can they clear a fake check and how come they dont inform me about anything and just negative my account. I try to talk but they didnt give me any positive response.theyre not taking action on pending transactions of XXXX  .Every time they hold my transaction for verification but they couldnt verify a fake check. I dont know what to do and how to take back my money which they took because of their mistake.
Consumer complaint received 2020-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

Equifax is reporting collection accounts on my credit report, however their is no original or current creditor listed. I have sent letters to Equifax on XX/XX/200 and XX/XX/20 asking to update my credit report with this information or send to me so I would know whom I need to contact for debt validation. I have yet to receive a response.
Consumer complaint received 2019-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BBVA FINANCIAL CORPORATION (FL)

Hello, my name is XXXX XXXX and the reason i am writing is to correct an error that i see on all of my credit score reports. I have contacted The Creditor " Compass Bank multiple times everyday and they still do nothing to resolve the problem on my Credit report. Here is The Credit Card Number : XXXX XXXX XXXX XXXX. " Compass Bank '' is reporting a false missed payment on my report. I called " Compass Bank '' and i spoke to Supervisor XXXX XXXX and he agreed that it was a mistake on behalf of Compass Bank and that all my payments were on time and that i should see no late payments or missed payments on my credit reports. I am asking them to please correct this error on my report. After waiting 1 month the late payment still shows on all of my reports, i called The Creditor " Compass Bank again and i spoke to Supervisor " XXXX XXXX '' and i sent him proof of my bank statement showing more than enough balance to make the payment and he saw that i did have enough funds in my bank account to pay the balance and he also saw that i made multiple payments and The Creditor " Compass Bank kept reversing my payments. The Creditor " Compass Bank is giving me a hard time, i am a single mother and this credit score is  affecting my character as a consumer, i have spoken to my lawyer and he saids this is defamation of character and that i can be compensated for this, he also said to try reaching out by the Cfpb to see if anything could be solved before filing the lawsuit. I have been disputing this issue for 2 months and they have yet to resolve the problem.
Consumer complaint received 2020-11-07
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)

Re : Full name : XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/1970 Current Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.

DPT EDXXXX {$1500.00} DPT EDXXXX {$3200.00} XXXX  XXXX {$960.00} XXXX  {$640.00} XXXX  {$960.00} XXXX  {$800.00} XXXX/XXXX  {$370.00} XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$800.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ) {$960.00} XXXX XXXX  {$1500.00} XXXX  {$370.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) {$640.00} XXXX  XXXX  XXXX {$51.00} XXXX XXXX {$140.00} XXXX XXXX {$660.00} XXXX XXXX {$110.00} XXXX  XXXX  {$800.00} XXXX  XXXX  {$1700.00}
Consumer complaint received 2023-03-25
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. (MA)

I was a victim of XXXX data breachand I was not aware of this information until XX/XX/XXXX of 2023. However, I subsequently have been exposed and up for damages, untold, and unforeseen, consequences, and harm. I have disputed many, many claims with XXXX that have been completely ignored or overlooked until I made my claim for loss due to this data breach. I have had many aliases unknown addresses black web threats and actual fraudulent transactions on my report. That have since been removed as well as all of my disputes from my records, besides 3. XXXX continues to report negative information on my credit report. I have the highest interest rates on my personal loan, XXXX XXXX and the hardest time using my credit amongst denial for apartments and jobsbanks insurance denials and countless other disadvantages due to my report having negative incorrect information and accusations of my credibility and credit worthiness.
Consumer complaint received 2020-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The wrong balance on my account in which i have disputed several times. 
I have mai them proof of payment receipts. 
XXXX Also i have sent the proof of address many times and ask them to place the correct address on my report. 
I have mailed in letters XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX?, please take care of this
Consumer complaint received 2023-03-14
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. (AZ)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2020-11-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

I am trying to stop my mortgage from being accelerated to a foreclosure status as I have just learned about this XXXX XXXX. My mortgage payment have been paid every month on an automatic debit transaction by the Bank - never missing a payment. I have proof of such payments.being made. These payments have been made to Greentree Mortgage .I have never been notified of any change in mortgage companies. No notices of any kind letting me know that a change had been made & who my new mortgage servicer is. Nothing has been sent to my home address or this name would have been changed immediately. The house in question is a rental home and been such for quite a few years. My bank has verified that Greentree has been accepting and cashing my mortgage payments. I have been unable to contact Greentree to get my questions answered. On XX/XX/XXXX I checked the mailbox at the rental house and found a delinquent notice from Shellpoint addresed to me. I called Shellpoint to find out what this was all about and who they were only to learn that they were now the new mortgage co. that my monthly payments should have been going to. I explained the situation to Shellpoint that this is a huge mistake and was told that a case manager would look into this and get back to me XXXX XXXX There are no missed payments!
Consumer complaint received 2023-06-13
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STATE EMPLOYEES CREDIT UNION (NC)

I was alerted by a bank I am in the middle of securing a loan with that State Employees Credit Union has marked a discharged account into a charge off status illegally. The accounts they reported with balances of {$15000.00} and {$450.00}. They flagged my XXXX  and XXXX  illegally and reported charge offs after being discharged in a chapter XXXX bankruptcy back in XXXX. If all accounts are not removed I will be moving forward in a lawsuit to sue them for illegally reporting to the credit bureaus inaccurate information. They are no longer to even check my credit report by law and its being flagged by them. This has negatively affected my credit and my loan I was in the middle of obtaining. They refreshed the account which made my credit drop nearly 100 points. It is unlawful and very illegal and had caused my family and I great hardship during a pandemic.
Consumer complaint received 2020-11-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (FL)

This stems from a medical bill for services never rendered. I have already beaten this repeatedly In the past years from other debt collectors. Consumer adjustment has flagged XXXX  three different times in the past two weeks with exactly the same fraudulent bill. They are bullying and harassing me for {$1900.00} and they have put it on my credit report three times for the exact same amount from the exact same bill.This is an absolute fraudulent bill thats why I have literally beaten it at least five different times from five different collection companies in the last four years. Consumer adjustment has flagged XXXX  on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XXXX.They have also flagged XXXX  with the same fraudulent collection on XX/XX/2020. They are repeatedly hitting up my credit report to try to bully me into paying them money that is not owed.I do not owe this money, I will not pay this money no matter how many times they try to destroy my credit. This is absolute harassment and bullying on a collection I absolutely do not owe. These are horrible tactics to try to ruin someones credit on money that was never owed.I am baffled how these horrible companies can put whatever they want on your credit report with absolutely no proof that you owe any monies.
Consumer complaint received 2020-11-10
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: LEXISNEXIS (OH)

I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  # XXXXthe dates wereXX/XX/XXXX alsomy XX/XX/XXXX # XXXX the dates were XXXX, and last XX/XX/XXXX # XXXX the dates were XX/XX/XXXX my income was affected due to the COVID-19 Pandemicshut down. 
I am in the middle of moving and this alate mark is preventing me from moving into a new apt . 
I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreements accommodations. 
I have an unverified account from XX/XX/XXXX # XXXX I have never done any type of business with this company please delete this account at once!
Consumer complaint received 2019-04-23
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. (AL)

On XX/XX/XXXX, I received a letter from Equifax stating that the wrong addresses that is being reported on my credit file had been deleted but according to my credit file on XX/XX/XXXX, incorrect information is still being reported
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION 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 XXXXXXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than XXXX  business days after the date of receipt.
Consumer complaint received 2023-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I was granted a one time forgiveness for a late payment that was posted on my credit one credit card XX/XX/. We have tried multiple times with my credit card company to have the credit reporting agency to remove the late mark and they have not done so, I also have a letter from my credit card company stating the remark is supposed to be removed