davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-25
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. (TX)

I have multiple hard Inquiries on my credit report that are not mine or that are duplicates and should be deleted because they are violating the FCRA. I feel that I am a victim of the shotgunning of inquiries on my credit report or possibly even misplaced hard pulls on my report that do not belong to me and they need to fix my credit report. I have tried to mail both the creditors and XXXX  already with no results. I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please investigate such occurrences and delete the following : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX   XXXX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX EQUIFAX MORTGAGE SERVICE Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX
Consumer complaint received 2018-08-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (PA)

I made a money transfer for a vacation home rental in XXXX, NC. This ended up being a scam. I transferred money from my bank to the scammer 's bank in XXXX  and used Western Union. The scammer was not able to collect the money he thought he would get because I closed the account as soon as I found out by the actual home owner that I was scammed and they had never heard of me. Western Union charged me {$140.00} for the transaction onXX/XX/XXXX. I called Western Union and they say they have no record of me, even though when I did the transaction they gave me a receipt with the MTCN tracking number XXXX XXXX XXXX, a case number XXXX and a customer number XXXX XXXX XXXX. I would like the fee returned.

The scammer information I have is XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Bank is XXXX and I have a bank code XXXX  and mobile number of XXXX  which must be bogus also. I just get a busy signal when I try to call.

So Western Union has somehow also scammed me. I have my bank statement showing a charge from Western Union the day (XX/XX/XXXX ) did the transaction through them.
Consumer complaint received 2023-03-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IL)

So out of the blue, after once again sending PayPal verification docs for a temp limitation ; they banned my account with no ability to do anything with my CRYPTOCURRENCY which is totally separate from PayPal t/c and being able to just suspend ; they cant not allow me do crypto transactions too my other crypto wallet
Consumer complaint received 2023-03-18
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: WELLS FARGO & COMPANY (GA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHT 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHTS TO PRIVACY 15 USC 1681 SECTION 604A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FUNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION 15 USC 1666B : A CREDIT MAY NOT TREAT A PAYMENT ON A CREDIT ACCOUNT UNDER PLAN AS OPEN END CONSUMER CREDIT PLAN AS LATE FOR PURPOSE
Consumer complaint received 2020-02-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Harris & Harris, Ltd. (MD)

A cease and desist, as well as a request for a proof of contract was sent to Harris & Harris , Ltd. on XX/XX/2020. However, Harris & Harris , Ltd. refuses to respond. Instead harassing and contacting me every day threatening jail and law suit, a couple of times a day since the date listed on the notification letter, XX/XX/2020.
Consumer complaint received 2020-02-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NM)

Mortgage company Ditech financial recently went bankrupt and sold my mortgage to a new company but for some reason the new company is saying that I was missing payments for like 6 months I have never missed a payment except for XX/XX/2019 when ditech lied to me and offered a forbearance and then later change there story but I made up that payment in XX/XX/2019 I please help don't want to lose my house or do a loss of mitigation.I contacted the pay station where I pay my bill electronically and they sent me a receipt of some of the payments I made the rest are made by money order I don't need a Loss of mitigation and I'm terrified my house will be forclosed on
Consumer complaint received 2018-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN EXPRESS COMPANY (TX)

Hello, 01- I have been paying {$30000.00} per month since XXXX, Original Loan : {>= $1,000,000}, present loan balance : {$210000.00} ( My Business Real Estate, located in XXXX , TX ) website : XXXX ( I can send you any documents you want for your review ) 02- I have only one credit card : American Express , I have been a member since XXXX my average monthly payment is from {$12000.00} to {$40000.00} ( I can send you copies of my monthly bills for your review ) This is the irony of my life : MY CREDIT SCORE IS ONLY XXXX!!!!! JUST SIMPLY AMAZING!!! What can I do to increase my credit score? 


I am hoping your Bureau will help me with this issue, Best regards, XXXX XXXX My e-mail : XXXX XXXX
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (IL)

Received prepaid gift card and attempted to set it up to use in XXXX but it failed and I gave up. Finally decided to try again in XXXX and got it authorized only to find out they where charging non use fees even though I could not use it. Their web site for filing a complaint kept giving a " page can't be found try again error ". A {$5.00} fee has been charged every month since.
Consumer complaint received 2022-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I disputed my personal information on my credit report that was incorrect. Report number is XXXX I also called the credit bureaus telling them to remove the personal information that I do not want on there. According to the fair credit reporting Act 12 USC 1681.I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to any third party people.

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-07-09
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. (MS)

I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. 
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.US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-09
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. (OH)

In accordance with the Fair Credit Reporting Act XXXX Bankruptcy # XXXX XX/XX/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 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 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 15 U.S.C. 1681 Section 602 A. States I have a 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 2020-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (FL)

I applied for a Barclays credit card & was approved. But they never sent me my card. Yet there is already a large balance owed on the account but I have yet to receive my card! 

Also someone broke into several cars in my apartments, mine was one of them. My phone and wallet was stolen from out of my car.
Consumer complaint received 2018-08-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: NAVY FEDERAL CREDIT UNION (FL)

I was approved for loans through navy federal credit union. With active loans in good standings I tried to add funds or make a new loan. To consolidate my debt into one with a lesser monthly payment. Of coarse the problems come and I was denied the loan. Stating that I can not apply for another loan for six months. Being a member here for over 20 years there should be some kind of co operation between myself at the credit union. I would like to get a new loan to pay off all debt and only have one loan payment to make.
Consumer complaint received 2018-08-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: DriveTime (FL)

The vehicle that was purchased has an extended warranty with XXXX XXXX as well as a factory warranty with XXXX dealership. There has been problems since my purchase of the vehicle. The transmission has problems along with the engine. The vehicle slips into neutral often. Ive gone to multiple mechanics to get the problems fixed. The codes that were found from the diagnostic with XXXX XXXX says there is a electrical wiring problem along with a transmission problem. As well as the same model, make, and year there was a re call for the same exact problems. The extended warranty company ( XXXX ) along with drive time and XXXX are all pointing fingers at each other. Ive lost lots of money from missing work as well as out the pocket fees for this vehicle. Something has to happen.
Consumer complaint received 2018-08-25
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: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

XXXX XXXX is the person who had a lease an apartment in XXXX, Ca in XX/XX/2013 for his business. Im not the person who in charge with the payment but I was only the employee that I came over off and on Then I sign the contract because they told me you are over XXXX yrs. Also I didnt know until Couple months ago when I received the news from XXXX and XXXX Please remove my name from the credit history ASAP.
Consumer complaint received 2022-07-09
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. (IL)

In accordance with the Fair Credit Reporting act XXXX. XXXX  XXXX Account # XXXX, CXXXX XXXX XXXX  Account # # # # # # # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States that 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
Consumer complaint received 2018-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

IN XX/XX/2013 MY HOME WENT INTO COOPERATIVE SHORT SALE AND I WAS RELOCATED BY XXXX XXXX XXXX. THE PROPERTY WAS AT THAT TIME UNDER CONTRACT FOR SALE THEN BOA RECANTED THE OFFER AND EVENTUALLY FORCLOSED THE PROPERTY. THEY ARE STILL REPORTING THAT THE ACCOUNT IS OPEN AND MISSING CURRENT PAYMENTS WHEN THE HOME WAS FORCLOSED. REPORT SHOULD STATE CLOSED DUE TO FORECLOSURE. THEY WILL NOT CORRECT.
Consumer complaint received 2018-08-24
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. (NV)

In XX/XX/2018 I submitted a dispute to all 3 major Credit Bureaus Agencies in regards to identity theft .I did not profit from these accounts having been opened. I have yet to have my dispute resolved or any feed back regarding this issue and its been over 60 days.
Consumer complaint received 2018-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In XX/XX/2018 I submitted a dispute to all 3 major Credit Bureaus Agencies in regards to identity theft .I did not profit from these accounts having been opened. I have yet to have my dispute resolved or any feed back regarding this issue and its been over 60 days.
Consumer complaint received 2020-02-03
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. (GA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/2020 {$160.00} XXXX XXXX XXXX Last reported XX/XX/2020 {$720.00} Reported balance Credit limit {$400.00} XXXX XXXX XXXX Last reported XX/XX/2020 {$470.00} Reported balance Credit limit XXXX XXXX XXXX XXXX  XXXX Account Type Lease Balance {$470.00} Date XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative Balance {$800.00} Date XXXX
Consumer complaint received 2019-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I have tried to get the credit bureaus to remove the bankruptcy from my credit report. It is incorrect and XXXX has fixed it but XXXX and Experian refuse to remove it. They say the XXXX verified it but it is incorrect. I want them to do research and see that is incorrect and remove it from my credit report. I have attached a copy of the letter from XXXX  saying that it is no longer on my report because it is incorrect. They have also tagged my wife and XXXX  can see that hers is incorrect as well.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Greetings, I am XXXX, reaching out to request the elimination of particular data from my record. The information to be erased is specified in the attached document. I have been a target of identity fraud, and I did not approve these transactions. It is essential to remove these entries to correct my credit history. I have already informed the Federal Trade Commission about the identity theft and have enclosed copies of the Identity Theft Affidavit. I respectfully ask for the swift removal of these items.
Consumer complaint received 2018-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Service Bureau, Inc. (UT)

XXXX  shows Service Bureau Inc with a " potentially negative '' note of a {$10.00} paid medical bill going to collections. This is in error. If I would have known about this {$10.00} charge sooner, I assure you it would have been paid immediately. I was never notified
Consumer complaint received 2018-08-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (CT)

A company calling themselves XXXX XXXX XXXX contacted me about a very old credit card debt, long gone from my credit report, perhaps 9-12 years old. They said I was going to get served for court and face charges if I didn't pay. As it turns out they are trying to collect on the very same old debt another company just got me to pay off. I believe I have been scammed. Now this second company keeps calling my cellphone, my work phone and my mothers phone. They know my address and other information as well. A man who is calling himself " Investigator XXXX '' keeps calling me at work. Initially I did speak with him and he was telling me I Need to reverse the charges with the other company and submit payment to them instead. The first company, the one I did pay is calling themselves XXXX XXXX XXXX XXXX. I will be filing a report about them as well because they too appear to be using illegal tactics. 
I am going to see an attorney regarding both companies next week
Consumer complaint received 2020-07-29
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 — Was not notified of investigation status or results
Company: National Credit Adjusters, LLC (VA)

For months have tried to dispute with XXXX & NCA Collection agency to investigate the collection account on my credit report. I have asked for billing statements, payment history, signed documents, etc. of payday loan. No response has been received from Collection agency ( NCA ) other than a sending settlement payment arrangement and no response from XXXX, other than " was previously investigated '' letter. According the Fair Credit Reporting Act, I am due a full investigation, proof of such, and correct reporting on my credit files. I have asked for this item to be removed from my credit report because it is frivolous and can not be validated.
Consumer complaint received 2018-08-24
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BB&T CORPORATION (LA)

I financed a brand new XXXX through XXXX XXXX. I paid my loan off in full and then called the finance company for a title. When I called the company, a representative said they did not have the title because XXXX XXXX did not send one to company. I asked why didn't they contact me about that issue long before I paid the loan off. The representative said it was not XXXX 's problem and that I needed to call the dealer that I bought the car from ( XXXX XXXX of XXXX, LA ). I paid title fees that was calculated into my final price and paid all of the money to XXXX. I need a title to this XXXX  and I have been getting the " run around '' for over a year. Between calling XXXX before they went completely out of business, to calling the DMV, XXXX, Louisiana commission and now this website. I just need my title that I paid for.
Consumer complaint received 2018-08-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Village Capital & Investment LLC (IL)

On XX/XX/XXXX I spoke to XXXX XXXX XXXX at XXXX XXXX XXXX   about refinancing my property. He told me that he would assist me and asked that I send him over information that he needed to process my application. I sent the information to XXXX via email on XX/XX/XXXX. XXXX called me back and stated that my file has me listed as white, but I don't sound white. I told him that I have been listed as white since XXXX and I mentioned it, but it was never changed. 

On XX/XX/XXXX I contacted XXXX via work phone, cell phone and email, but he did not answer, or respond. I wanted to find out the status of my application. I also called the main number several times, but no one answered the phone. I finally spoke to XXXX on XX/XX/XXXX. He requested additional information and some information that I had already sent to him in XXXX. I expressed this to him in the email. 

During the next 4 conversations that I had with XXXX, I asked him why was the process taking so long. He stated that it was underwriting fault and he had been on them to get my application processed. XXXX also stated that underwriting was not able to get my account number from XXXX XXXX. He stated they called XXXX and was told they could not provide them with it. I asked XXXX why didn't he just ask me for the number, I could have provided that weeks ago. He stated that he didn't know why underwriting didn't think to do that. 

I contacted XXXX XXXX  and asked about the process for the request from Village Capital. The representative that I spoke to stated that they would not have told Village Capital that they could not supply the information. At that moment I put XXXX and XXXX on a 3 way call and expressed this to XXXX. He stated that underwriting must have lied and never called. 

Around XX/XX/XXXX I contacted XXXX again to get an update. He stated that he would contact underwriting and call me back. XXXX called me back and stated that my application was not approved because of my income. I had XXXX go over my income and noticed that he had not included all of my income and that I sent the documentation to him back in XXXX. He went through his email and said that he saw it and would call me back. 

XXXX called me back and stated that underwriting still didn't approve it and that he was sorry.