davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (FL)

I don't recall having a contractual relationship with this collection company CREDIT BUREAU SYSTEMS. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: AMERICAN EXPRESS COMPANY (AZ)

I am writing to deleted the following information in my file. The items I need are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. I reported theft of my identity to the federal Trade commission and I also enclosed copies of the federal trade commission Idenitity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible its holding my life back Im in the process of purchasing an home for me and my family.
Consumer complaint received 2022-06-16
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: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has 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 a account without my written instructions
Consumer complaint received 2023-10-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (FL)

In XXXX DRS appeared on my credit report. I had no knowledge of the debt. I didn't receive any type of correspondence from them. According to the fair credit reporting guidelines they are supposed to notify me of the debt and give me a chance to pay before trying to destroy my credit.
Consumer complaint received 2020-07-27
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: LDF Holdings, LLC (MA)

XXXX keeps calling my phone to collect money that I owe then I have told them I do not have a job right now and they need to wait until I get a job so I can make payments again I understand its my responsibility to make the payments but I am jobless so I cant when I call them to let them know I can make the payments as soon as I can they ask me personal questions like well how are you getting by how are you getting money to pay bills like that is none of their business I received a loan for {$700.00} on XX/XX/20 right now I owe them about XXXX I would like them to stop making rude phone calls and stop harassing me
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (GA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2022-06-16
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has 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 a account without my written instructions
Consumer complaint received 2022-06-16
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. (MI)

In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Has 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 a Account with my written instructions.
Consumer complaint received 2018-12-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MN)

The loan balance is significantly higher than what was received for school. Previously, I requested copies of promisory notes. The copies received had false email addresses and addresses where I never attended school. When Navient calls, I do not avoid them. Please help because they are not.
Consumer complaint received 2017-09-21
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: Navient Solutions, LLC. (GA)

I have notified Dept of Educatiion that they are inaccurately reporting that I was late in XXXX XXXX. I have asked them to provide me with proof of these late reportings. Please assist me in getting these late reportings removed from my credit file.
Consumer complaint received 2022-02-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (NY)

THE PURCHASE PRICE OF THE HOUSE THAT I AM BUYING WAS XXXX I GAVE A XXXX DEPOSIT WHICH MAKES THE BALANCE XXXX AND I GAVE XXXX FOR DEPOSIT SO NY LOAN SHOULD BE FOR XXXX YET THE LOAN CAME THROUGH AT XXXX SO IT LOOKS TO ME THIS FIGURES ARE NOT ACCURATE I SPOKE TO THE LOAN OFICER XXXX XXXX AND SHE SAID THIS IS THE WAY THE BANK CALCUTE D THE LOAN
Consumer complaint received 2022-06-16
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. (MI)

In Accordance with the Fair Credit Reporting Act XXXX XXXX  BANK Has 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 a Account with my written instructions.
Consumer complaint received 2019-08-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (LA)

I purchased my home in XX/XX/XXXX from XXXX XXXX XXXX. Years later XXXX XXXX XXXX purchased XXXX. My loan was paid off with XXXX. We even paid 2 payments in one month to reduce mortgage by 10 or 15 years. 
I started receiving letters from XXXX saying they had my mortgage, years later XXXX company. These people took over the loan around XX/XX/XXXX. They are extremely deceitful. They lie about payments not being made, when you see the payment on my bank statement. They add 2 or 3 different late payments in one month. 
I am sure my home is paid off so I do not know why I am making these payments. On XX/XX/XXXX I received a letter from XXXX saying they transfer my loan to SPS company. This is a Portfolio Company. These people have been harassing me by calling my home at least 12 times a day. When I answer the phone they hang up. I am making payments to them. They are saying that they are going to foreclosure on my home after XX/XX/XXXX if I do not make this ridiculous payment amount. 
First of all, I am not late with any payments. SPS was sending false information to the credit Bureaus regarding late payment status when I was not late and they said even if people were late they wouldn't provide any negative information before 60 days has passed. However, this still did not apply to me.. 
I also found out that XXXX still owns the loan. I XXXX reviews on XXXX and SPS and they both had 1000 's complaints. All of them familial to mine. 
Please help me with this serious issue. 
These people have added over hundreds of thousands of dollars being fraudulent and corrupt. 
Please I beg you in God 's name, help me with this fraud. I need to know what to do. I want to sue them because they have stolen from me and are threatening to take away my family home. I am broken emotionally and physically. 

Why would someone to this to anybody. 
Please help me. 

Respectfully Submitted, XXXX XXXX
Consumer complaint received 2024-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (TX)

All of my checking accounts, IRA accounts, and savings accounts were locked because Ally Bank says they are verifying my check deposits my checks were already held for the 3 business days before they deposited but then after that my accounts were flagged and I can no longer access online banking. All of my money is in these accounts and now I have no way of paying for anything. How am I going to get to work? Please please please expedite this investigation. Its creating a hardship for me as a XXXX veteran.
Consumer complaint received 2018-05-01
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: U.S. BANCORP (CA)

After I returned my leased car with US Bank on XX/XX/2018, I was charged {$370.00} for a missing key fob. It's for a XXXX XXXX XXXX XXXX contacted XXXX and was told that it'd cost {$230.00} to replace a key fob including programming. I then contacted US Bank to ask them to explain the discrepancy. The representative told me that's the " market pricing '' for key fob replacement but couldn't explain what exactly the market pricing was based on. It sounds to me they are making a profit of {$140.00} off that single key fob, assuming they are paying the the price that XXXX quoted me.
Consumer complaint received 2022-10-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NV)

I have tried repeatedly to close my Pay Pal account. I no longer have access to it. Their agents say it can't be closed because I have a Venom account which is owned by PayPal. 

I do not have a Venmo account and attempts to log in to Venmo or get a password reset show I do not. Further even if I did it would not be a joint account with PayPal and should not be a reason to not close the XXXX XXXX account. 

I received a fraudulent XXXX email yesterday claiming there had been an attempt to transfer {$500.00} from the account. A call to PayPal confirmed it was a fraudulent email. Yet when I insisted the account be closed the agent said she would email me something. Repeated attempts to send the email did not work, nor did providing a second email, nor did an attempt to text me. 

PayPal is subjecting me to potential fraud and liability by refusing to close this account which probably also has a credit card still attached to it.
Consumer complaint received 2018-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (GA)

I am a former employee who banked at XXXX. I was literally forced to have an account with them or receive a paper check which would take forever. I closed my account with XXXX on XX/XX/XXXX and I left the company on XX/XX/XXXX. I requested a paper check for my last check so nothing would come through the account and reopen it. I made sure there was a zero balance on the account when I closed it. On XX/XX/XXXX XXXX deposited my last check of {$11.00} into a closed account after I requested to receive a paper check. By the direct deposit hitting the closed account that automatically reopened the account and on XX/XX/XXXX a preauthorized withdrawal hit the account for {$29.00} which at this point was not authorized and had XXXX left the account closed and not made an unauthorized deposit the account would have remained close. Instead I was charged overdraft fees and these preauthorized withdrawals attempted the account on XX/XX/XXXX and XX/XX/XXXX both causing more overdraft fees. In the XXXX lawsuit, XXXX settled for over {$24.00} XXXX for predatory practices. XXXX has a history of erroneously charging overdraft fees and my experience is another case. Derogatory information has been placed on my credit report causing lending denials. 

I contacted Amsher directly to verify this debt and instead of actually researching the debt, I received bank statements with my personal information on them. That is not verifying the debt. 

I am filing this report and if the negative information is not removed my next course of action will be to take legal action against Amsher and XXXX.
Consumer complaint received 2024-03-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Sandalwood Solutions (OH)

I reached out to us bank for help with my mortgage. They referred Me to a company that me be a scam instead of offering me there options now I'm out of XXXX dollars are promises to save my home by paying them. I have XXXX kids and I really can't afford to pay for help when it should be free. Why would my bank referr me here?
Consumer complaint received 2022-06-16
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. (MI)

In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Has 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 a Account with my written instructions.
Consumer complaint received 2022-06-16
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. (MI)

In Accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX XXXX and # XXXX has 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 Agency Can not Furnish an Account without my written instructions.
Consumer complaint received 2022-06-16
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: EQUIFAX, INC. (MI)

In Accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX XXXX and # XXXX has 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 Agency Can not Furnish an Account without my written instructions.
Consumer complaint received 2021-10-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC (NY)

Hi my name is XXXX XXXX I have been waiting to be verified with Gemini for almost 2 weeks now in their company policy it states that verification takes up to 2 to 5 business days and still I havent received anything I have submitted all the necessary documentation everything is up-to-date and still I havent received anything back from them it is required to have a New York State ID or license as well as your Social Security numbers in order for this process of verification to be approved and I have submitted all those documents. XXXX thats the email that Im using regarding Gemini thank you
Consumer complaint received 2021-05-08
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. (MI)

I have sent several request to the named companies as well as the credit reporting agencies to advise them that I DID NOT AUTHORIZE the inquiries on my credit file. They still remain on my credit file and all credit reporting agencies have failed REPEATEDLY to provide me with documentation to show where I authorized such. They will not be able to do so, because I only authorized XXXX XXXX XXXX to pull my credit file. Both the dealership and the salesman have advised me that they only submitted an application through XXXX XXXX XXXX.
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Certegy Holdings, LLC (FL)

certegy turned down check # XXXX written to XXXX to purchase materials to restore my home after hurricane micheal, i had {$5000.00} in my account, my bank could not understand it, never bounced a check in my life! Spoke with XXXX @ XXXX on XXXX she made me give her personal info to even look for the transaction, and then could not even find it, The receipt they gave me said # 2 for denial which stated while their was no evidence of a check ever bouncing they did not have sufficent info to accept it! I looked them up in XXXX  many complaints, talked to a manager at XXXX that used them to deny check, she siad that it had become a problem and that she was going to speak with upper managment, i also told her that XXXX has lost my business because of certegy. i could not even get a person on the # on the receipt, only after i received a letter with a # on it, and them XXXX could not even find my transaction or give me any good reason it was declined!! I noticed on the XXXX  complaints they answer each one with the same double talk, but never give anyone an answer as to why they have been humiliated! 
Also i wrote a check to XXXX a week previous for alot more and they passed it!!! I want them to admit their error in writing to me and to XXXX! I think they are just trying to collect peoples personal info, and also when i did speak to XXXX she told me that they also share info with XXXX XXXX XXXX XXXX. please help, bbb is full of people that have issues with them!
Consumer complaint received 2017-09-21
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have notified Capital One Bank that they are inaccurately reporting that I was late XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have asked them to provide me with proof of these late reportings. Please assist me in getting these late reportings removed from my credit file.
Consumer complaint received 2022-06-16
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

I have filled for an investigation with all XXXX credit bureaus to be looked at my credit report for accounts XXXX XXXXXXXX and XXXXXXXX XXXX XXXX These account were open without my authorization. I have sent a letter about 3 months ago requesting information and received nothing and just sent another letter out on XX/XX/2022 and have still not received. By law the XXXX credit bureau must respond in a reasonable time " 30 days ''. I need to have these accounts taken off my report ASAP as they were not authorized by me to be opened and used. it has affected my credit score with the late payments.
Consumer complaint received 2022-06-16
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. (CA)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXX I received notice that you verified certain items on my credit report from the following XXXX # XXXX. You reported me being late 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. I have never been late. 

Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 

Supply your response or report status as PAID, NEVER LATE for the trade-line. 

Best Regards
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the fair credit reporting act Acct : XXXX XXXX XXXX violated my rights 15 usc 602 section ( A ) I have the right to privacy 15 usc 604 section ( A ) it also states that no consumer reporting agencies can not furnish an account without the permission or the written instructions of the consumer.
Consumer complaint received 2022-06-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

I have filled for an investigation with all XXXX credit bureaus to be looked at my credit report for accounts XXXX XXXXXXXX and XXXX XXXX XXXXXXXX. These account were open without my authorization. I have sent a letter about 3 months ago requesting information and received nothing and just sent another letter out on XX/XX/2022 and have still not received. By law the XXXX credit bureau must respond in a reasonable time " 30 days ''. I need to have these accounts taken off my report ASAP as they were not authorized by me to be opened and used. it has affected my credit score with the late payments.