davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

On XXXX XXXX I was scammed by XXXX different people with XXXX different PayPal transactions. I purchased a good and they both did not send them to me and so I paid money and got nothing. Now, I have no way of contacting them or getting my money back because they blocked me. They took {$21.00} from me and also {$24.00}. I have attached the people who scammed me along with how much they scammed me. Please I just want my money back. To make matters worse I opened XXXX cases with PayPal and they said they could do nothing about it.
Consumer complaint received 2019-09-30
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Conn's, Inc. (NC)

Conns XXXX XXXX Repeatedly calls despite being told that the person who they are trying to contact does not live at this address. Spoke to someone XX/XX/2019 XXXX Asked them to stop calling, the previous day I told them to stop calling and earlier on the XXXX my mother also told them not to call. On the XXXX a man told me he could not remove my number from the account and there was some sort of process to take the number off. After that have received several calls ; XX/XX/2019 : XXXX XX/XX/2019 : XXXX, XXXX, XXXX
Consumer complaint received 2019-10-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Harley Davidson Financial Services Inc (CA)

I noticed that my most recent credit report contains late payment ( s ) reported on XX/XX/2016, XX/XX/2016, XX/XX/2016 for my Harley Davidson account. 

I understand, and have great respect for my financial obligations. 

Unfortunately, at the time of the incident mentioned above, I had was unable to pay at the time due to being laid off from my job.. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 

In the near future, I am planning on applying for Mortgage loan, and it has come to my attention that the missed payment ( s ) on my credit reports could hurt my ability to qualify.
Consumer complaint received 2019-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

This complaint submission is in regards to a false credit report by LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with a few representatives who were all extremely rude and refused to give me any information reguarding this alleged debt. I then spoke with another representative who gave me their company 's fax number so I could forward them a Debt Of Validation letter, which was sent on XX/XX/2019. It was confirmed through fax confirmation that LVNV FUNDING LLC representative had received the files ; however, after 30 days of notifying them, still no response. At this point in time LVNV FUNDING LLC has failed to provide any proof of debt and/or anything in signature or judgment by law stating I was obligated to pay them the total of ( {$3100.00} ). I have never made any agreement with them or with the original creditor to pay anything nor was I properly notified of this false reported debt. I am requesting LVNV FUNDING LLC immediately remove me from their systems and update all 3 major Credit Bureaus ( XXXX, XXXX, & XXXX ) on this action. At this point they have failed to provide any competent evidence or any legal obligation. LVNV FUNDING LLC is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g, and if this report is not updated immediately I will be taking legal actions.
Consumer complaint received 2019-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (NY)

I have been requesting a monthly statement for the last 4 months. Because this XXXX/ dovenmuehle mortgage, Inc. have a habit of changes in lawyers, as well changes of where the mortgage is to sent. Besides i would also like statement for my own records. in the past several years they reported to credit agency that i had not paid my mortgage in two 2 years, they done this to many times. we have requested the check returned to us. which they claimed that we received, when in fact we had not. 

With all the reports on both these company, you would think some would of have the guts to really look it them. enough is enough
Consumer complaint received 2019-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP (CO)

XX/XX/19 I applied for a business credit card. I was declined, when I called in to ask why, I was told that they do not accept applicants that do not currently do banking business with them. They do not advertise this in the application process. We never had a chance of being approved, yet they allowed us to proceed with the application and take a hard hit on our credit report.
Consumer complaint received 2019-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

XX/XX/2019 I attempted to get a loan approval from XXXX XXXX. Upon running a credit check Equifax report stated : 1. APPLICANT FILE BLOCKED AT EFX. ( XXXX ) 2. APPLICANT INFORMATION FROM THE INQUIRY HAS BEEN IDENTIFIED BY THE CONSUMER AS FRAUDULENT- REPORT UNAVAILABLE. ( XXXX ) Both XXXX and XXXX had no issues pulling a credit report. 
Contacted Equifax to resolve but was directed to fax their dispute deportment. 
XX/XX/2019 I faxed them to look into the issue. 
XX/XX/2019 Equifax replied stating unable to locate a credit file stating " not having a current file '' as a reason for this issue. 
I have now gained a loan approval from XXXX XXXX but they are coming up with the same reports of " File Blocked '' and " Fraudulent ''. Again both XXXX  and XXXX had no issues. 
XX/XX/2019 I have again attempted to contact Equifax to resolve this issue but was directed to fax their dispute deportment. I again have done so with more information and to clarify that I needed this unblocked and a written statement as Not Fraudulent.
Consumer complaint received 2023-03-23
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. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-23
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. (GA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-23
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)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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
Consumer complaint received 2023-03-23
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-23
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. (KY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXXXXXX XXXX KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : 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 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 XXXXcording to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

I noticed a bunch of XXXX XXXX  transactions coming out of my bank. I called Bank Of America to dispute these transactions. I called Bank Of America to file this claim on XX/XX/2021. The total claim amount was {$2100.00}. On XX/XX/2021 I got an update on my claim saying that could not pay me back the money that was stolen from my account. I am absolutely livid. I have been struggling to put food on the table because of this setback. 

I even spoke to XXXX XXXX about this matter and they were absolutely 0 help to me at all ... this is not the first time I have had problems with XXXX XXXX and I believe they are doing some shady stuff behind users backs.
Consumer complaint received 2023-03-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BARCLAYS BANK DELAWARE (IN)

While we were in Tennessee in XX/XX/2018 we stayed at a Wyndham XXXX. While there, during a 2 day presentation ( was not the normal 90 minutes they advertise ), we were presented with the proposition to purchase Penthouse accommodations at their resorts. 
Husband was interested so he asked for information. During the " 2 days '' and a promise to call us ( still waiting for the telephone call ), he showed more interest. We came back to Indiana thinking we would have much bigger and better rooms on our next trip. What a joke we later discover. This came to husband via someone by telephone telling him he needed to check his deed. It was for a timeshare somewhere in Florida. The word Florida was NEVER mentioned during the 2 day presentation. He proceeded to contact a lawyer which was aware of this happening to individuals by Wyndham XXXX. Never got any good results as the attorney died. Then we are notified that Barclays Bank was involved in the lawsuit and never have figured that out as to why. Since then my husband has died and I have lost the business so I have no income. I would like to have this removed from credit report as they car CROOKED and they know it.
Consumer complaint received 2019-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (MI)

I applied for a XXXX XXXX XXXX select credit card from Citi when I was purchasing an airline ticket. The offer said if you apply online right now and get the card they will reduce the price of each ticket by {$100.00} immediately and give me 40000 miles after i purchased {$3000.00} on the card in three month The tickets cost me {$740.00} and I was to get a {$200.00} refund. I was immediately approved and charged the full amount. I was told I would get a {$200.00} credit on my bill. I never got the credit. I called on XX/XX/XXXX and was told I was turned down for the offer because I had previously had this card which I had canceled. but my card was approved and they charged it the full amount. They said I had to wait 24 months before I could reapply for this offer. I asked why they didn't tell me this up front because I would not have opened the card. They said well you'll get a lot of other great offers - none of which I want. They should have just declined me the card and not charged the tickets or at least given me the option to continue on and use the card without the promotion, which I would not have done. When I called they basically said sorry and I have since cancelled the card
Consumer complaint received 2018-12-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc. (SC)

Keep getting calls about being past due and late, when paid before late date. Also calling people that are not on loan and even tied to my loan after being repeatedly told not to call them. They stepped out of line calling a family member thats not even on the loan
Consumer complaint received 2018-07-13
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Convergent Resources, Inc. (CT)

My issue was with XXXX XXXX ( XXXX XXXX XXXX   ) They reported 10 year old debt on my credit report and when I called them refused to answer any questions about why they reported it illegally. I've disputed their report through XXXX   and am reporting them now to make sure they don't attempt to trick anyone else with a false report.
Consumer complaint received 2022-12-13
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, AXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX, DEPT OF XXXX XXXX Account # XXXX, 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 without my written instructions.
Consumer complaint received 2019-09-30
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. (CA)

In the end of XXXX I noticed XXXX XXXX  showed up on my XXXX XXXX Credit Score under TransUnion. At that time, I reached out to XXXX XXXX  to inquire about nature of debt. I was informed that the debt is from an XXXX  XXXX line between the years of XXXX and XXXX. I communicated to the representative that I am unaware of services I received from XXXX during that time period. I was told to reach out to XXXX for confirmation. Upon reaching out to XXXX I was told that they no longer have any information on accounts and to contact XXXX XXXX. On XX/XX/XXXX, XXXX  XXXX offered to reduce amount by 50 % to {$110.00}. I reiterated that I still have no knowledge of the account but I wanted to resolve this credit issue and was becoming increasing frustrated and exhausted from length of call without resolution. Out of pure exhaustion and frustration I attempted to pay the amount to get all of this behind me, even though I was still unaware of origin of debt and debt collector reported not having the information. This led to several more hours of attempting payments online and being directed to bank payment sites at the instruction of representative. Outcome of this multiple hour call was a confirmation number from site suggested to go to for payment. I was told I would receive an email to confirm. Weeks later, I still had not received email or confirmation and called back. Representative informed me no payment had been made even though they had a confirmation number they referenced in account. I was informed that I paid XXXX  directly and I shouldn't have. I informed XXXX XXXX I only followed their laborious and confusing instruction. After call ended I checked bank statements to see if payment had been made or not. Charge did not leave my banking account. I feel duped and not even sure this is a legitimate debt collection agency and I am unwilling to pay or settle for a debt I am not aware of and collector can not provide information on. Feeling extremely frustrated and hoping submitting this complaint will provide some resolution and/or shine a light on a fraudulent or incompetent debt collection agency.
Consumer complaint received 2019-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: U.S. BANCORP (OH)

I had a U.S. Bank XXXX Visa Final XXXX account that was included in Chapter XXXX bankruptcy, the bankruptcy proceedings started in XX/XX/ 2019, and the debts were discharged in XX/XX/2019 by the Honorary Judge. However, I keep {$400.00} in funds that I can't withdraw at all. In consultation with the court, the {$400.00} is not due to the US bank because the debit has been discharged, so it is no longer for collection, payment or liquidation, since the bankruptcy  process is fully closed today, however exhausted me means of dialogue with the bank.
Consumer complaint received 2019-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (CO)

I received a letter from Waypoint Resource Group. With an account number of XXXX. After speaking to their rep who was forceful I have verified that this account does not match my SS #. Although the name and address are the same it does not align with the most important piece to verify identity. In their letter they threaten to put this collection of XXXX on my credit report. I have advised them to cease and desist with all communication and collection attempts. I have also called XXXX and referenced their acct # XXXX and they are advising me that this account is closed and they can not even verify what services were under this account. Sounds very fishy to me. I am not liking that a collection company contacts me tries to collect a debt that is apparently not mine. I do not have an agreement or contract with Waypoint Resource Group and owe them nothing. Their idle threat of putting this on my credit report in 30 days is a straight and blatant violation of the FDCRA.
Consumer complaint received 2019-09-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (OH)

I've tried to work with US Bank Mortgage Company multiple times over multiple years to have the PMI on my mortgage loan removed. Most recently in XXXX of this year. I faxed another letter explaining how I've met the criteria for removal of PMI some years ago. Yet, they keep sending me letters denying that I have met the criteria. Every letter states that the LTV ratio must be 78 % of the original value and you must have good payment history. Both criteria has been met for over 4 years. I've never had a late payment and my LTV ratio is where it should be as well.