davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (NV)

On or about XX/XX/2018 I took out a XXXX dollar loan with the company. I was told I could make it in payments of up to XXXX. I asked to have 1 payment pushed back and I was allowed to. I am unable to do any more deferments on the payments owed. The total amount owed is XXXX even after after having the loan for less then a day that is the total amount owed period. Even if I changed my mind on taking this loan out they then would have had me pay a total amount of XXXX no matter what. I am unable to pay this balance off in the needed time frame, and they are not willing to help me anymore.
Consumer complaint received 2019-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (OH)

Made a payment of {$300.00} on XX/XX/19. Notice on my account said payment pending. The notice disappeared from my account. Payment was never applied or taken out of my bank account. Emailed customer service, no reply. Called customer service, was also locked out of my account and could not log in, escalated to two supervisors, the last of which refused to assist me. Said an " escalation team '' would call me tomorrow. Told her I worked during the day but gave her my cell number. This has been an ongoing issue with Wells Fargo since at least last Thursday, and they should have been more receptive and immediate with solving my issue. I am still locked out of my account.
Consumer complaint received 2023-01-18
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. (AZ)

I have sent multiple letters to the credit agencies informing them to remove the collection from my report since I does not belong to me. I called XXXX XXXX and they even confirmed they never had me in their systems. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-02-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I been trying for more than a year since my 10 year interest only note came do on the second mortgage I can not pay the whole thing and have been asking for a payment plan when I started this they told me not to pay anything till this got worked out .I did get my first mortgage modification done over a year ago and sill nothing and not they are trying to take my family home we have lived and payed on this home for more than 12 years now I mam XXXX years old and have been send them the same updated documents every month over and over again. 

Please Help
Consumer complaint received 2021-02-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (MD)

XX/XX/2021 I was notified of a collection account via a credit monitoring service. The collection is for a debt which does not belong to me and has been successfully disputed previously. However, the original creditor continues to hire different collection companies to erroneously collect this debt. Most recently the collection was attempted by XXXX XXXX XXXX. Please see Consumer Financial Protection Bureau file number XXXX. In the file, XXXX XXXX XXXX made false statements, and ultimately ceased collection efforts. 

Law Office MBA, of XXXX, TX is now attempting to collect this debt. Their client, XXXX Hospital, knows or should have know the debt is not mine. I am basing this on the repeated communications I have had with their collection companies and information I have provided. 

If CFPB is unable to resolve the matter I would appreciate information and resources on filing a lawsuit against the various parties involved. They have willfully disregarded prior communications and evidence provided to them that the debt is not mine. 

Attached are the original police report from the XXXX County Sheriff 's Office and letters noting the account has been returned to the original creditor. 

Thank you
Consumer complaint received 2019-02-12
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Credit Systems, L.P. (NJ)

constantly calling and I do not owe them anything. 
They are calling my wireless number, which by law, they are not supposed to without my authorization which I never gave them. 
I don't khnow who they are, and won't give personal information to any random company that contacts me.
Consumer complaint received 2019-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

I opened a 5/3 XXXX credit card on XX/XX/XXXX which gave me 0 % interest on initial balance transfers and purchases for 12 months. 

I have made multiple payments during billing cycles on several occasions and the account is in good standing with no late payments or fraudulent activity. 

Upon logging on XX/XX/XXXX to make a payment my account was inaccessible. I contacted costumer service and after talking to the fourth representative I was told that the account was closed and the credit card was revoked on XX/XX/XXXX due to potential fraud for all users of this card type in California. 

I have automatic payments set up on this credit card and have made all of my payments online through the internet banking portal, these have now been deactivated and I am now required to make payments over the phone or through mail. 

I am also not able to make purchases for the remaining three and half months I have left at the 0 % interest rate.
Consumer complaint received 2018-03-22
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: WELLS FARGO & COMPANY (NC)

In XX/XX/2016 there a payment was made on time and return by the bank few weeks later. The payment was return during the next billing cycle. The payment was replaced but the company reported a 60day late in error and as an accounting error. I have never been reported late in 5years. The company acknowledged this error but the late has not been removed/corrected on my report.
Consumer complaint received 2023-01-18
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. (GA)

On XX/XX/2022 I contacted TransUnion about the following negative accounts XXXX XXXX ( Account number XXXX, Date opened XX/XX/2022, Balance {$0.00}, Original creditor XXXX XXXX XXXX XXXXXXXX XXXX  ), XXXX XXXX XXXX ( Account number XXXX, XXXX opened XX/XX/2022, Balance {$0.00}, Original creditor XXXX CHARTER COMMUNICATIONS ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-05-04
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)

Theyre reported this account 180 days past due and that is incorrect. It also still shows as owed and owing a balance which is incorrect. I also do not remember to agreeing to them reporting to the credit bureaus. This is a buy now pay later app. Ive tried reaching out to them and its really hard to get in touch with anybody or to have things escalated.
Consumer complaint received 2019-02-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX of 2018 I applied for a loan modification with Bank of America. I was denied the modification as they said they could not confirm my residency in spite of my sending multiple documents showing I lived on the property. The modification was requested as we were having financial difficulties due to my husband 's illness. As we were significantly impacted we had to move in with family for a time but kept our home. Once he was better and our income stabilized we moved back into our home. This was all explained in detail to B of A. 

We came to find out that the bank initiated the foreclosure process even though we were in the process of trying to get our loan modified. We live in California and this is illegal according the the California Homeowner Bill of Rights. 

We then were charged fees associated with the foreclosure! If it's illegal to begin foreclosing on a home while attempting to get a loan modification, then it's also illegal to assess the homeowner fees associated with the foreclosure.
Consumer complaint received 2022-05-04
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. (TX)

Theyre reported this account 180 days past due and that is incorrect. It also still shows as owed and owing a balance which is incorrect. I also do not remember to agreeing to them reporting to the credit bureaus. This is a buy now pay later app. Ive tried reaching out to them and its really hard to get in touch with anybody or to have things escalated.
Consumer complaint received 2019-02-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (NY)

I Am Having A Problem With Problem With TD Bank With and Overdraft Fee That I Am Being Charge on My Saving Account for {$35.00} Dollars For A Transfer that was Made On My Account Via My XXXX Checking Account and TD Bank is Denied To Credit Any Fees On My Saving Account and Also Via The Customer Service Phone Number
Consumer complaint received 2019-02-13
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. (CA)

I have recently received a copy of my credit report..The report had an account listed from that are not mine. I disputed the account with the credit bureau as " not mine '' but it recently came back as verified ... I have never had an account with these companies. Please delete immediately before further harm is done ... XXXX XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX/XXXX  XXXX, XXXX XXXX XXXX/XXXX  XXXX, XXXX XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX/XXXX  XXXX, XXXX XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX/XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, 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 2018-12-21
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. (AZ)

My student loans has reappeared on my credit report with a balance without a 5 day notice which is against the FCRA. These loans were paid in full and the credit bureaus has resubmitted them with balances without my knowledge.
Consumer complaint received 2019-02-13
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: EQUIFAX, INC. (MO)

I have been plagued for months over the following accounts inwhich I've repeatedly requested to be blocked from my credit report due to the fact that I do not have any relationship with the following creditors, ( 1 ) XXXX XXXX, {$0.00}, ( 2 ) XXXX XXXX XXXX, {$26000.00}, ( 3 ) XXXX XXXX XXXX {$1000.00}, ( 4 ) XXXX XXXX XXXX, {$920.00}, and I yet to receive my request for the Method Of Verification inwhich your company / companies has conducted, who, when, where, and how did the above accounts get considerated verified, please send me physical documentation of your verification. Or as stated in the FCRA if the accounts are not being verified by physical documentation then they shall be blocked, deleted, and/ or removed immediately.
Consumer complaint received 2019-02-13
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. (MO)

I have been plagued for months over the following accounts inwhich I've repeatedly requested to be blocked from my credit report due to the fact that I do not have any relationship with the following creditors, ( 1 ) XXXX XXXX, {$0.00}, ( 2 ) XXXX XXXX XXXX, {$26000.00}, ( 3 ) XXXX XXXX XXXX {$1000.00}, ( 4 ) XXXX XXXX XXXX, {$920.00}, and I yet to receive my request for the Method Of Verification inwhich your company / companies has conducted, who, when, where, and how did the above accounts get considerated verified, please send me physical documentation of your verification. Or as stated in the FCRA if the accounts are not being verified by physical documentation then they shall be blocked, deleted, and/ or removed immediately.
Consumer complaint received 2019-02-13
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. (MD)

I have disputed inaccurate accounts on my credit report with Equifax more than four times. Where they have resolved some of the items they refuse to resolve the remaining. I am continuously told they have verified the remaining accounts however when I request the method of verification/validation they instruct me to reach out to the creditors reporting the items. I am currently unemployed and these inaccurate items are seriously damaging my credit standing and preventing me from securing employment. 

DISPUTES DATES AND RESULTS 1. XX/XX/XXXX - One account Deleted 2. XX/XX/XXXX - Four accounts Deleted 3. XX/XX/XXXX - Equifax initiated a Fraud Alert on my credit file. 
4. XX/XX/XXXX - Deleted accounts Added back 5. XX/XX/XXXX - Request for Method of Verification
Consumer complaint received 2023-02-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: UNITED BANKSHARES, INC. (VA)

XXXX XXXX XXXX XXXX got and insf statement dated XX/XX/XXXX on account that i dont hawve. for {$190.00} asked for fraud debt wouldnt send me there - not me. 

also got a bank statement from united bank account # XXXX dated XX/XX/XXXX Not me either.
Consumer complaint received 2019-09-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a single mother who recently tried to buy house. I was denied for my house because of my credit. That inspired you check my credit report, and to my surprise there were several accounts that were Unauthorized by me.
Consumer complaint received 2018-12-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (IL)

When a payment is made to a XXXX  Store credit card, it can take up to 15 days for the payment to reflect back as available on the account. Yet, the payment was withdrawn from the payment account immediately. 
This practice is not on the terms and conditions of the credit card account,.
Consumer complaint received 2019-02-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

Contacted XXXX XXXX XXXX for information about leasing with them and their policy on rental history with a past eviction. Filled out info on their website and picked unit I liked then they emailed me saying I needed to complete the application with them. Stated I wanted to know beforehand if they dealt with my issue so I didnt waste money on an application. The leasing agent emailed she would check with her manager and got back saying no they didnt accept past evictions. I never stepped foot on the property and never agreed to {$260.00} in exchange for her asking the manager a question knowing my situation. Debt is sent to a collection agency and I have written letters disputing amount with both companies. Online I saw a {$65.00} app fee which was advertised as free application then once submitting payment saw a {$150.00} admin fee as well from XX/XX/18. This company ran my application after knowing it would be denied and refused to refund my fee and cancel the application after emailing with me.
Consumer complaint received 2019-02-13
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: Ad Astra Recovery Services Inc (MO)

HELLO IN XX/XX/XXXX I LOST MY WALLET AND IT HAD ALL MY PERSONAL INFORMATION STOLEN. IM STILL TO THIS DAY SEE CREDIT CARDS POP UP IN MY NAME AND I DONT KNOW HOW. I REPORTED THIS PROBLEM TO ALL THE CREDIT BUREAUS NOTHING. THE ACCOUNT SAYS IT IS CLOSED BUT YET IT REMAINS ON MY CREDIT REPORT WHICH IS AFFECTING MY LIFE. I CANT GET A CREDIT CARDS, LOANS A CAR A HOUSE AND IM TRYING TO BUILD MY CREDIT. IT WAS IN THE AMOUNT OF XXXX   FOR XXXX XXXX IN XX/XX/XXXX AND THAT WAS THE LIMIT. IT SAID IT WAS CHARGED IN XX/XX/XXXX .IVE BEEN IN CALIFORNIA FOR THE PAST 5 YEARS. THEY SAID THEY WOULD REMOVE IT AND IT JUST SAYS CLOSED ACCOUNT ON MY CREDIT REPORT. ALSO XXXX XXXX   I LOOKED THEM UP I GUESS THIS PERSON TOOK A LOAN OUT FOR XXXX IN KS.ALSOXX/XX/XXXX FOR XXXX XXXX NOT SURE WHAT THAT IS BUT ITS IN THE AMOUNT OF XXXX ALSO XXXX XXXX IN THE AMOUNT OF XXXX. PLEASE IM JUST TRYING TO GET THIS ALL RESOLVED SO I CAN MOVE FORWARD WITH MY LIFE. I HAVE A DAUGHTER ON THE WAY AND JUST GOT ENGAGED. PLEASE HELP
Consumer complaint received 2023-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX XXXX Account number XXXX, Account Name : XXXX XXXX XXXX, Account number XXXX, Account Name : XXXX XXXX, Account number ending in XXXX, Account Name : XXXX XXXX, Account number XXXX, Account Name : XXXX XXXX XXXXXXXX XXXX Account number XXXX, and Account number starting with XXXX. 
Account Name : XXXX XXXX, Account number starting with XXXX, Account Name : XXXX, Account number starting with XXXX, Account Name : XXXX XXXX XXXX XXXX, Account number starting with XXXX, Account Name : XXXX, Account number 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-02-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MT)

No reason any Collection Agency should contact me. THis seems to be a scam. Company calls me everyday. They use different numbers. Want me to call another number. Claim they are ERC. want info to collect a debt. I can not help them, see my reasons below. They give a Ref number XXXX. I have a credit rating of 834 + with 2 of the credit Bureaus. I have Zero late payments on my credit record with any of the 3 Credit Bureaus in over 30 years and more. Phone numbers they use to call me on are ( XXXX, XX/XX/2019 XXXX ; XX/XX/2019, and XX/XX/XXXX, XXXX, at XXXX. I have never received any debt letters from anyone. I blocked these calls but they show up in my voice mail. This is my 2nd complaint with you to no avail. 

I have no documents as I am paid up on any credit cards. My Identity was stolen by the XXXX years ago via Federal Govt. I now have ID protection given to me free from the Federal Govt. I can provide a copy of their investagation report on my good credit with ZERO late payments, ZERO collections, ZERO bankruptcys. 

I have NEVER received a statement from this company. I do not have an account with this company. Thus provided their Ref number in the account box. 2nd Complaint and they never contacted me via email on prior complaint.