davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-12
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. (IL)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXXExperianXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : EXPERIAN : XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} Included in Bankruptcy Federal Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX : XXXX, XXXX, A XXXX, XXXX, A XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} U.S. Bankruptcy Court Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

15 U.S.C 1681 Section 604 A states that I have the right to fair and accurate reporting. XXXX XXXX ACCT # XXXX - PAST DUE amount is {$5000.00} on XXXX and XXXX and Experian reports {$5100.00}. LAST PAYMENT DATE reports as XX/XX/XXXX on XXXX and Experian and XX/XX/XXXX on XXXX. Also, my rights were violated according to 15 U.S.C 1692c : A debt collector can not communicate with a consumer without their written consent, as this company has engaged in harassing and recurrent phone calls.
Consumer complaint received 2022-01-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Firstsource Business Process Services, LLC (AZ)

Firstsource Advtantage LLC continues to call me every other day leaving a voicemail just saying to call back. No information, no confirmation of who they are calling. I've never owed a debt outside of my monthly credit card bill which I pay on time anyway. They need to stop and it's obvious their actions are terrible given their feedback and multiple threads on forums online.
Consumer complaint received 2022-04-12
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. (GA)

Please assist me in making the credit reporting agencies up hold to the federal law. My rights as a consumer are to at least be able to speak on behalf of my own credit file. The credit reporting agencies sent me a bogus letter in the mail stating they would disregard my original complaint because they believe it is some one else. Just because I know my rights and I know that I am being violated does not mean I need another person 's help. I have late payments appear on accounts. I have accounts that are NOT even mine at all listed and a bunch of other foolishness. I not once gave Experian, XXXX, or XXXX any type of permission to report or speak on my behalf. I have been stressed and diagnosed with XXXX because of this. They are fraud and they have taken over my identity and in violation of the FCRA and 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Consumer complaint received 2021-04-20
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: CITIBANK, N.A. (TX)

On XX/XX/2020, I placed an order with Macy 's, first online then ( I thought ) a correction order by phone. I was trying to place the Macy 's order using XXXX to get cash back because it was a large order. The Macy 's representative told me it was too late to cancel the first order, so I was to let it come in and then return the first items ordered to Macy 's. The order by phone did not net me the XXXX cash back either when I checked, so I decided to return both orders. I was told to let everything come in, then return to the orders. I RETURNED EVERY SINGLE ITEM I RECEIVED -- EVERYTHING!!! Macy 's insisted I still owed them monies. I returned every item and should have been credited what I was charged at the time of the order. Macy 's is continually charging me late fees from {$29.00} to now {$40.00} and reporting late pays on my credit report, even in the face of my monthly rebutting the charges and asking for investigations. All charges were supposed to stop until the investigation was completed -- nothing stopped! My problem is I've been calling Macy 's since XX/XX/2020 to get this issue clarified and cleared up. They refuse to let me speak with a supervisor. No one can tell me why I owe them monies. Macy 's has reduced my credit limit, essentially ruining my credit, which I work very hard to keep clear. I believe Macy 's overcharged me but didn't give me full credit on my returns. No item was opened or broken, I should have gotten full credit for all my returns. Why should I owe Macy 's money when I returned each item in non-opened condition and timely as well? Can you please help me? My credit is being ruined systematically. My receipts are in my photos and email, not sure how to get that to you for proof.
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CENTRAL BANCOMPANY, INC (MO)

Transactions listed below were fraudulant. Someone accessed my account via an app called XXXX and a website called XXXX. Transactions were approved and over {$17000.00} was stolen from me. No one contacted me of these transactions, I only found out when I tried to pay a bill. A police report was filed but the bank, XXXX XXXX XXXXXXXX XXXX, refused to give any help just insisted it had to be me. I am out {$17000.00}. I am on social security XXXX and this was all I had.Now I may lose my house with nowhere for myself and XXXX sons to go. 
XX/XX/22 withdrawal to XXXXp {$390.00} XX/XX/22 to XXXX {$800.00} XX/XX/22 to XXXX {$400.00} XX/XX/22 to XXXX {$30.00}, {$70.00}, {$100.00}, {$300.00}, {$1000.00}, {$1000.00} XX/XX/22 to XXXX {$1900.00}, {$1000.00} XX/XX/22 to XXXX {$2000.00} XX/XX/22 to XXXX {$2000.00}, {$2000.00} XXXX on XX/XX/22 to XXXX {$2000.00} XX/XX/22 to XXXX {$500.00}
Consumer complaint received 2022-01-28
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)

The credit agencies keep reporting inaccuracies on my credit file. The student loans date of last active on all three bureaus are inaccurate. The FCRA says, " 100 % accurate. '' Not 10, 20, 30, 40, or etc. 100. I am enclosing a copy of the letter I sent to all 3 bureaus with a copy what is reporting with all three agencies so you can see I am not lying. This need to be removed immediately. I will take legal action because this is not fair.
Consumer complaint received 2022-04-12
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: Debt Recovery Solutions, LLC (SC)

There are collections account reporting on my file that i have no knowledge of. My XXXX  was using my information i have already disputed numerous times with these companies and they can't provide me any signed documents and some even have my incorrect information such as my name spelled wrong and incorrect drivers license number. 
Companies are : XXXX  XXXX XXXX XXXX Last reported XX/XX/XXXX{$1.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX Last reported XX/XX/XXXX{$2000.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX Last reported XX/XX/XXXX {$3900.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/XXXX {$410.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX Original creditor DEBT RECOVERY SOLUTI Last reported XX/XX/2022 {$2900.00} Open balance XXXX
Consumer complaint received 2022-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Upon reviewing my credit report, I recognized unauthorized reports on my account. I reported to XXXX XXXX XXXX that they have broken the law of reporting late payments to CRAs WITHOUT my written consent. They could not verify the alleged debt and the CRAs are all reporting something different on this account. I have reached out to the CEO of XXXX as well as the credit reporting agencies and neither parties have fixed this issue in as timely manner. 

My initial attempt was taken place on XX/XX/XXXX. 
My second attempt was XX/XX/XXXX. 
My third attempt was XX/XX/XXXX. 

In addition, I have been harassed MULTPLE times in attempt to collect alleged debt. This receiving multiple phone calls at inappropriate times which also is in violation of Fair Debt Collections Practices Act 15 USC 1692g violations.
Consumer complaint received 2024-01-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC (NV)

Hello, I have faxed over everything required from my end in order to apply for a loan modification. I faxed everything on XX/XX/XXXX. I was told I would hear back in about XXXX  days. I have nit heard anything back from Selene Finance in regards to a possible loan modification. I've let them know every single time I call that I can not make payments they are adding fees on to. First they were requiring XXXX by XX/XX/XXXX. Then when I called to make a payment, they said I now owe XXXX. I call back yesterday and what I owe ballooned to XXXX. I'm not sure what fees they are stacking up, but at this point I have not received not a singl response to see if I can continue making payments on my home. I call to make a months worth of payment, and they refuse to accept unless it's the new amount. I don't know how or why they are asking for so much money within the same XXXX month in order to prevent foreclosure. I have read many reviews where Selene Finance has foreclosed without notifying the homeowner and I hope that's not the case with me. I have called so much to ask if they have any news and NONE of the representatives know ANTHING. I want a response in order to go through a loan modification. I do not want to go back and forth anymore.
Consumer complaint received 2022-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Your company is reporting the below referenced accounts on my credit report as a collection account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have disputed these items with the credit reporting agency and they reported you confirmed the account as valid. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine.
Consumer complaint received 2022-01-29
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. (TX)

Your company is reporting the below referenced accounts on my credit report as a collection account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have disputed these items with the credit reporting agency and they reported you confirmed the account as valid. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine.
Consumer complaint received 2022-04-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, my husband received several text messages from Bank of America ( " BOA '' ) that if we transferred multiple $ XXXX through XXXX. I immediately realized frauds and contacted BOA. BOA successfully prevented XXXX {$50.00} transfers, but was not able to prevent the other XXXX transfers through XXXX. BOA then suggested and helped me file a claim - XXXX. 

In the meantime, I realized my own cellphone lost service from XXXX  and later I found out my phone number - XXXX was transferred to a device located in XXXX by XXXX. Therefore, the thief in XXXX used my number on his/her device, and transferred my money in my XXXX account linked to my BOA account. I have told BOA about my phone situation during the claim. I have also filed a complaint to XXXX XXXX XXXX regarding unauthorized transferring my number to an XXXX device ( see attached ). 

These XXXX transactions are obviously fraudulent. However, to my surprise, on XX/XX/XXXX, I received the letter from BOA dated XX/XX/XXXX, stating that they've determined that they are unable to honor the claim, because their investigation found that the transaction in question was validated using an authentication code sent to a valid phone number belonging to a signer on the account, even though I clearly stated that my phone number got stolen, and asked them to stop the transfers and they DID successfully prevent the XXXX transactions after I contacted them. 

Therefore, the decision made by BOA dated XX/XX/XXXX is unfair to me and inconsistent with the action of stopping the other XXXX XXXX transactions.
Consumer complaint received 2022-04-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BAM Management US Holdings Inc. (IA)

On XX/XX/XXXX binance. Us added in a form that forces you to agree to the bam trading services. These services will take your XXXX data and it will be sold for a profit. You are not allowed to access your trading account or money unless you agree to this. No heads up or warning was given. It was just forced upon all us users. This is absolutely illegal
Consumer complaint received 2019-07-08
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Santander Consumer USA Holdings Inc. (CA)

My car was repo'ed on XXXX. The finance company has only sent me damages of end of lease. I have not received information about my car and personal property inside and how to get my property. Have not been notified of sale or anything else. 

Chrysler Capital - Santendar
Consumer complaint received 2024-03-11
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: EQUIFAX, INC. (FL)

I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (CA)

I was suppose to receive XXXX points on XXXX XXXX XXXX for purchases paid on XX/XX/XXXX. When I did not receive these points I call Wells Fargo. They told me that those points were being held up because I had disputed a credit charged to my credit card. I waited until the despite was settled. After the dispute was settled I noticed that they had awarded me the points I had coming for XX/XX/XXXX but not the ones they owed me for XX/XX/XXXX. I called them and discussed the matter with them several times. All they did was give me the run around. On the final call to them ( XX/XX/XXXX ) they kept putting me on hold and this went on for about an hour. Finally they just hung up on me without giving me a reason. I know that what I am saying is true because I was watching my point totals very carefully in anticipation of the rebate kicking in. I am wondering if they have cheated me out of points on other occasions when I wasnt watching my point total so carefully. I am also wondering if then can do this to me whats to keep them from doing the same thing to thousands of other customers.
Consumer complaint received 2022-04-12
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: National Credit Adjusters, LLC (SC)

There are collections account reporting on my file that i have no knowledge of. My XXXX was using my information i have already disputed numerous times with these companies and they can't provide me any signed documents and some even have my incorrect information such as my name spelled wrong and incorrect drivers license number. 
Companies are : XXXX  XXXX XXXX XXXX Last reported XX/XX/XXXX {$1.00} Open balance XXXX XXXX XXXX XXXX XXXX  Original creditor NCA Last reported XX/XX/XXXX {$2000.00} Open balance XXXX XXXX XXXX XXXX Original creditor NCA Last reportedXX/XX/XXXX {$3900.00} Open balance XXXX XXXX XXXX  Original creditor NATIONAL CREDIT ADJU Last reportedXX/XX/XXXX {$410.00} Open balance XXXX XXXX XXXX XXXX  XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2022 {$2900.00} Open balance XXXX
Consumer complaint received 2017-08-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (VA)

AMERICAN MEDICAL COLLECTIONS is saying I owe {$1600.00}. I am a XXXX XXXX, XXXX XXXX XXXX Veteran. All of my treatment is received at XXXX XXXX XXXX XXXX XXXX. Additionally, I have XXXX and XXXX XXXX XXXX XXXX. This company is harassing me
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

While checking my credit report, I notice an account from Capital One Bank that I believe is not being reported correctly on my credit report. On XX/XX/2021, ( See Attached ), I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, ( which is attached ), asking them to verify or remove the negative report on my credit report that Capital One Bank is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for almost a year with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE