davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-14
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. (CA)

I have sent several letters to Experian, XXXX  and XXXX  on ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) requesting re-investigations into the accuracy of the account, XXXX  XXXX XXXX XXXX. The credit bureaus did not verify the accuracy of the account and continues to report wrong payment histories, high balance wrong amounts, incomplete account number. When you look at the reports that I have included in this complaint, you will see that XXXX  is reporting that I have I was 90 days late in XX/XX/XXXX but Experian is reporting that I was 120 days late in XX/XX/XXXX ; Experian is reporting that I was " OK '' in XX/XX/XXXX, but XXXX reports that I was 120 days past due in XX/XX/XXXX. XXXX  is reporting that I was 30 days late in XX/XX/XXXX all through XX/XX/XXXX. If I have requested multiple investigations in the accuracy of this account, how come these bureaus are reporting three different payment histories, along with different high balance amounts? I am being treated entirely unfairly and my credit rights have been violated. Please delete this report as these credit bureaus are not complying with the FCRA timelines for investigation or accuracy of accounts.
Consumer complaint received 2022-04-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NC)

I received a form answer from my last request. 

I was scammed in a puppy fraud scheme. I contacted my bank. My bank is a partial owner of the company they hide behind as they say 'XXXX  ' is not responsible. I was told when I signed up for XXXX by Wells Fargo service that the service was like XXXX. If there is an issue with XXXX, there is due diligence, fraud protection, and consumer safety from scams.

I was scammed by fraud in a puppy buying scheme.

Banks are supposed to protect consumers from fraud. It's the law. Yet Wells Fargo who is one of the owners of XXXX sends a form letter saying they are not responsible because the consumer was defrauded and hit the button believing fraud. 

I am more than unhappy. This is not protecting the consumers. It's creating a corporation to hide behind and shirk responsibility. I was a victim of a fraud.
Consumer complaint received 2020-09-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I have been a victim of identity theft, and have had multiple accounts opened under my name and social security number since 2014. I have provided Portfolio Recovery Associates, LLC with a fraud affidavit XXXX per their request ). I have even gone as far as obtaining an attorney, due to Portfolio Recovery Associates, LLC making threatening and harassing phone calls to me and even my FRIENDS & FAMILY about a debt that is not legally or rightfully mine. Portfolio Recovery XXXX failed to respond to several notices within 30 days per the FCRA. Portfolio Recovery Associates, LLC has blatantly broken the law and violated my rights!!! Per my previous attorney, a XXXX by the name of XXXX admitted via telephone that Portfolio Recovery Associates, LLC received ALL notices sent to them via mail, and failed to meet the required deadline to provide SUFFICIENT VALIDATION on this matter.
Consumer complaint received 2018-11-14
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. (OH)

I have went over my credit report and I found account that are not mines from a XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXI do not recall doing any business with either company. I request to see some type of contract for business or paperwork until then pleae delete remove their accounts from my credit report they are not accurate. This is my official 609 ( a ) ( 1 ) ( A ) dispute that I demand a investigation and mail in a copy of something to verify these accounts on my XXXX XXXX, XXXX, Experian reports
Consumer complaint received 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX ACCOUNT BEING REPORTED TO THE CREDIT BUREAUS SHOWING AS OPEN, WITH BALANCE AND LATE PAYMENT WHEN IT SHOULD BE CLOSED. ATTEMPTED TO RECTFIY ISSUE WITH BUREAUS BUT THEY ALL SENT INFORMATION REFUSING TO REMOVE THE ACCOUNT. I EVEN SENT THEM EVIDENCE FROM TARGET THAT STATES THAT THE ACCOUNT IS CLOSED WITH A {$0.00} BALANCE. 

THIS IS HAVING A DETRIMENTAL IMPACT ON MY CREDIT SCORE AND REPORT.
Consumer complaint received 2020-09-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (FL)

I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating and also I have insurance that covers 110  % of my medical bills and visits so there is no way that I will have any medical debts and they are just double charging the insurance company and asking for more money which is a clear violation
Consumer complaint received 2019-06-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R & B Corporation of Virginia (GA)

Credit Control Corp of XXXX XXXX, VA sent me a series of collection notices for payment of overdue disputed medical bills. After I paid each one, they would send another. When I asked them to send me an itemized accounting of the billing, they simply restated what the medical facility had sent to them with no accounting for what I had already paid. Finally they sent me a bill for {$60.00} which I declined to pay until they provided me with some sort of accounting. They promptly paced a collection report against me with XXXX  ( the subject of my next complaint ). In order to clear my name I paid them the {$60.00}. They said they would remove the collection report, but they never did. They have only stopped sending me bills when I threatened to report them to the Virginia Attorney General 's office.
Consumer complaint received 2020-09-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (NV)

I purchased a XXXX XXXX XXXX in I believe XXXX or XXXX and financed it with Santander Consumer USA. I attempted to make arrangements with them to make payments because I was having difficulties making my payments. They weren't willing to work with me and the car was repossessed, I believe in XXXX or XXXX. I was not notified of the public auction or the whereabouts of my car and they didn't provide me with an inventory of the contents of my car. I had to make numerous phone calls to locate my car and when I went to get the contents from it, there wasn't any list and the contents were in plastic bags and had been already gone through. I didn't get any information about the repossession of my automobile until after the public sale of my car. It didn't provide the location of the public auction. 

This entry was reported to the credit bureaus as being a repossession but it was successfully removed because the steps for the repossession were not followed according to CA XXXX XXXX. It is now being reported on my credit report as a XXXX and it is showing a balance owed of {$11000.00} which is incorrect. I disputed this with the credit bureaus and Santander then renewed the date on it and when I go into my account with Santander it is showing totally different information. It is also more than XXXX XXXX XXXX and should be removed from my credit report. Santander Consumer USA is a horrible company to work with and they are also have harrassed me in the past while I had the car by calling constantly ( more than 3 times per day everyday until I requested that they stop contacting me. What can be done to correct this and to get this XXXX removed from my credit reports as soon as possible?
Consumer complaint received 2016-04-18
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: AMERICAN NEIGHBORHOOD MORTGAGE (PA)

I took out a loan with XXXX it was a HUD loan. It cost me {$35000.00} at closing and I was told that was the cost of buying the house at {$270000.00} because it was a XXXX loan. After almost 2 years fighting with the contractors due to bad quality of work, XXXX XXXX gave the contractor an additional {$5000.00} of my money, against my approval, to sign off the any waivers to complete the work. The work was never completed and warranty issue developed bad quality of work and no one came to fix the problems.
Consumer complaint received 2022-04-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NAVY FEDERAL CREDIT UNION (VA)

Navy federal credit union has violated mutiple consumer rights and created a deceptive form to confuse consumers and undermine the laws put in place to protect consumers. 

FACT : On XX/XX/2022 I, XXXX XXXX initiated a consumer credit transaction with NAVY FEDERAL CREDIT UNION ( NFCU ) when I completed the credit application and gave NFCU my credit card and allowed them to extend me credit. 

FACT : On XX/XX/2022 NFCU defined the term amount financed as The amount of credit provided to you on your behalf which is not same definition used in the The Truth In Lending Act nor does it have the same meaning and it also implies that the credit I received was given/loaned to me by NFCU and not extended. *reference [ EXHIBIT A ] FACT : On XX/XX/2022 NAVY FEDERAL CREDIT UNION XXXX NFCU ) failed to disclose to me my right to request a written itemization of the amount financed in conjunction with the disclosure of the amount financed. *reference [ EXHIBIT A ] FACT : On XX/XX/2022 NFCU failed to disclose to me a statement indicating whether or not I'm entitled to a rebate of any finance charge upon refinancing or prepayment in full pursuant to acceleration. *reference [ EXHIBIT A ] FACT : On XX/XX/2022 NFCU defined the term total of payments as The amount you will have paid after you have made all payments as scheduled. Which is not the definition specified in The Truth In Lending Act nor does it have the same meaning. *reference [ EXHIBIT A ] FACT : I never borrowed nor was leant anything from NFCU FACT : NAVY FEDERAL CREDIT UNION has committed multiple violations of The Truth In Lending Act and created a deceptive form to undermine the federal laws put in place to protect consumers from abusive practices as such and to inform consumers of the actual cost of credit. *reference [ EXHIBIT A ] I, XXXX XXXX XXXX that all of the information provided herein, under the penalty of perjury that the information I so affirm to be true and accurate to the best of my ability and knowledge, so be it.
Consumer complaint received 2020-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

Since the XXXX email dated on XX/XX/XXXX item # XXXX, I have received harassing emails titled DEMAND FOR PAYMENT in red letters. 
That states : Dear XXXX XXXX, This demand is from the office of ACE Cash Express. On or about XX/XX/XXXX you cashed the check identified below at our place of business. However, upon the checks deposit and presentment, the XXXX XXXX refused to honor payment. 
XXXX : UT XXXX XXXX XXXX Check No : XXXX Check Date : XXXX/XXXX/XXXX Payee : XXXX XXXX Check Amount : XXXX Reason Dishonored : SP Returned Check Fee : XXXX Total Amount Due : XXXX Since we have been unable to reach you, we request that you contact us immediately at XXXX to resolve this matter. 
Sincerely, Ace Cash Express On the same day and within minutes, I returned an immediate email that stated. 
I will take LEGAL ACTION against ACE Cash Express. You are contacting the WRONG PERSON! I have NEVER entered an ACE Cash Express facility in XXXX. I dont have to use your facility to cash a check ( my checks are direct deposited ) and ( I dont work and never worked for the Maker/Drawer listed in the email ). 
Again, ACE Cash Express has contacted the wrong person and it is demanded that you Cease and Desist! 

After my response, I have continued to receive harassing emails on XX/XX/XXXX, XXXX, and XX/XX/XXXX
Consumer complaint received 2023-04-12
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. (MD)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. State 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 wriiten instructions.
Consumer complaint received 2018-06-17
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. (GA)

I have never had a balance on my credit cards. I paid them off way before the due date, leaving a {$0.00} balance when it's reporting to the bureaus. 
These 3 bureaus are reporting random balances that don't exist. My score has increase dramatically due this mistake. 
They first reported a high balance of {$95.00} And then decreased that balance by {$180.00} I even submitted my statement proven that I had no balance. 
This is so unfair. I finally decided to build my credit and the bureaus are reporting false information ...
Consumer complaint received 2022-04-04
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. (WA)

Attempting to apply for a home loan via XXXX XXXX and equifax is not producing my credit report I have contacted equifax multiple times and they state there is no freeze and everything should be able to be pulled But after multiple attempts by the bank, its still not being produced
Consumer complaint received 2024-02-10
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: Experian Information Solutions Inc. (TX)

In response to the recent investigation, I am submitting my disagreement with your findings and requesting complete accuracy. I am not satisfied that adequate measures were taken to contact the creditor responsible for reporting the information in question on my report. Consequently, I am now requesting further information regarding the following accounts : Experian : XXXX XXXXXXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2300.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$2300.00}. As previously stated under the provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, I urge you to reinvestigate and update this disputed account. Please provide me with the names and addresses of the individuals contacted. You are allotted fifteen ( 15 ) days from the receipt of this letter, as stipulated by 15 U.S.C. Section 1681i ( 5 ) ( A ), to complete these actions unless you notify me otherwise. Failure to verify within this timeframe constitutes non-verification, and the items must be promptly updated in accordance with Section 1681i ( a ). Pursuant to 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, please inform me once the account has been updated.
Consumer complaint received 2020-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Good Afternoon Error was detected on my credit report and filed an investigation into the matter utilizing Transunions online dispute portal Transunion dispute submitted on XX/XX/2020 Written dispute sent directly with the company ( NCA ) that filed the incorrect information and company has failed to response as of the date of this compliant ( Sent 45 Days Ago ). Despite no response from the company, Transunion verified the information Transunion has a duty to validate information, not pass the burden to the consumer. 
This consumer financial protection bureau recently levied a {$500000.00} penalty for this company for violations of the FDCPA Similar to the previous civil ligation, I have received zero correspondents from NCA. 
Company directly submitted information to credit bureaus without notification or validation and Transunion continues to furnish and sell incorrect information which has caused negative impacts
Consumer complaint received 2019-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

On XX/XX/2019, I notified my mortgage servicer, Mr. Cooper ( formerly Nationstar ) that there was a very large overage in my escrow account that was missed by the prior servicer and that I wanted it back. The prior servicer also did not transfer over my HOI info correctly either, so I just requested to cancel escrows since I had put down 25 % and was entitled to waive them at the time of closing. They denied my request under the reason that my account was less than 2 years old. So I said fine, fix my escrow issue then. They opened a case to do an out of cycle escrow analysis that day ( XXXX ). It is now 49 business days later and I have heard nothing. They are now in violation of the Real Estate Settlement Procedures Act.
Consumer complaint received 2022-04-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pressler & Pressler, LLP (NY)

1. I've reached out and requested proof of this debt and can only be provided statements. Statements only show that the credit card was used and do not validated that the credit card belonged to me 2. This debt show on my credit for all 3 credit bureaus ( XXXX, XXXX XXXX, and XXXX ) as being " closed by the consumer ''. This is not correct seeing that I am currently disputing this debt. This also validates the inaccuracy of this debt. The company is wrongfully threatening me with legal action. 
3. As a NY resident, I'd like to call attention to the fact that the statute of limitation for collecting such debt is 3 years. The company has not been able to provide proof of when this debt was sent to collections nor is the information being reported to credit bureaus correctly.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IA)

After reviewing my most recent credit report I see an account listed for XXXX, however I see that the information listed for that account is incorrect and such incorrect information will further increase the negative impact on my credit scoring which is unfair to me as a consumer. Equifax has this account listed with incorrect DATE OPENED of XX/XX/2020. I spoke to XXXX and entered into a payment arrangement ( attached is text from XXXX confirming the payment arrangement ) so why is this account being listed as in collections, when I am clearly in an agreed payment arrangement which does not need any further collections activity or status or notifications. Why has Equifax not conducted the correct due diligence in reporting this account, their actions either negligent or willful misconduct can have caused an unnecessary further damage to my credit report and overall credit scoring.
Consumer complaint received 2020-12-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/2020 at about XXXX in XXXX Texas Texas I was asked for a loan of $ & XXXX through XXXX by a coworker. After I sent partial loan amount {$300.00} through XXXX  I sent through chase XXXX  {$520.00}. Less than an hour later I find out my coworkers phone had been hacked and was asking all his contacts for money. I was probably the only one who paid. Not sure exaclty. Contacted my bank right away but the was rejected a refund. XXXX contact information is no help at all. And XXXX  XXXX  is reviewing my refund request.
Consumer complaint received 2022-04-04
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: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2022-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.