davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc. (MI)

On XX/XX/XXXX, I went to XXXX XXXX XXXX in XXXX XXXX, MI. I never received a bill from them. On XX/XX/XXXX. I rceived a bill for {$180.00}, oo from XXXX. I sent XXXX and XXXX a letter invoking the FCRA. hey did not comply within 30 days and so pursuant o the FCRA there i no debt and I deny that tre was evr one. 

Nationwide recovery service wrote trying to collec {$180.00}. I wrote them to comply eithh FCRA and h comply withe the Fair Debt Cullction Practices Act On XXXX XXXX they posted a derogatory commeny with The credit aggencies andmy cred yport dropped 33 pointsNationwide acount # XXXX Creditor account XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX
Consumer complaint received 2019-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

THE FOLLOWING ACCOUNT IS BEING DISPLAYED NEGATIVELY ON MY CURRENT CREDIT REPORT : XXXX XXXX. 

IT IS REALLY AFFECTING THE OVERALL HEALTH OF MY CREDIT REPORT. THIS ACCOUNT IF FROM XXXX OF 2014 AND STILL AFFECTING ME, I HAVE DISPUTED THIS ACCOUNT PREVIOUSLY SEVERAL OTHER TIME AND NOTHING HAS BEEN DONE. ARE THEY EVEN LOOKING AT WHAT'S GOING ON??? I AM VERY FRUSTRATED BY THIS MATTER AND I NEED THIS ACCOUNT REMOVED AS SOON AS POSSIBLE AND LET IT BECOME EFFECTIVE!
Consumer complaint received 2019-09-05
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. (FL)

THE FOLLOWING ACCOUNT IS BEING DISPLAYED NEGATIVELY ON MY CURRENT CREDIT REPORT : XXXX XXXX. 

IT IS REALLY AFFECTING THE OVERALL HEALTH OF MY CREDIT REPORT. THIS ACCOUNT IF FROM XXXX OF 2014 AND STILL AFFECTING ME, I HAVE DISPUTED THIS ACCOUNT PREVIOUSLY SEVERAL OTHER TIME AND NOTHING HAS BEEN DONE. ARE THEY EVEN LOOKING AT WHAT'S GOING ON??? I AM VERY FRUSTRATED BY THIS MATTER AND I NEED THIS ACCOUNT REMOVED AS SOON AS POSSIBLE AND LET IT BECOME EFFECTIVE!
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

There are fraudulent inquiries on my credit report that I did not authorize and I want them removed from my report. I tried contacting them individually but Ive been ignored on numerous occasions.
Consumer complaint received 2019-09-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (WA)

Dear Madam or Sir : I am writing a formal Notice of Dispute and a Notice of Violations pertaining to Specialized Loan Servicing denying me my 30 day legal right to Dispute and Appeal for a modification and the illegal actions of Specialized Loan Servicing pertaining to my primary residence located at XXXX XXXX XXXX, XXXX, XXXX WA XXXX, and Loan # XXXX. 


On several occasions during my phone calls with Specialized Loan Servicing ( SLS ) for updates and reviews, I was told in uncertain terms from SLS representatives that I only had until a XX/XX/2019 deadline to submit my Appeal/Dispute letter into their department for review. I have had to explain to these SLS representatives that I didnt receive their Letter of Denial until I had requested a SLS representative to fax it to me on XX/XX/2019, since it was never mailed out and this was the first I had heard about the denial! Once I received this Denial it didnt state any details of how I was denied, what information was used by SLS to come to their conclusion. I have a right to check these facts for accuracy since I have recently qualified for 4 other modifications ; therefore, I am suspicious that there was an error in their calculations which resulted in a denial decision. 

On XX/XX/2019 SLS Rep. XXXX ( refused to give me an ID or last name ), at XXXX and again at XXXX XX/XX/2019, denied me the right to speak to a supervisor on both occasions. She stated that SLS had sent out their Denial Letter on XX/XX/2019 and that I had no options but to adhere to a short sale or deed in lieu, and the fact that I didnt actually receive it until SLS faxed it to me didnt matter to her. 

It is very clear to me that SLS has intended to steal my property away from me by not informing me of this Denial in order to trip me up on getting my Appeal out before XX/XX/XXXX, ( which I have caught and sent out already to them prior to this cut-off date ), but have yet to receive the facts pertaining to this denial. 

I am disputing their violations of my right to 30 days to review ONCE I have actually received the information that I have repeatedly asked for verbally and in writing. Once I receive this information I legally have a right to 30 days to seek legal counsel and review this decision to be sure the facts they used to determine this denial are based in accuracy and is current. SLS is using these illegal tactics in order to go through with a set sale date of XX/XX/2019 instead of working with me in good faith for a fair modification. These actions are obvious, as SLS is desperately attempting to bend the rules and laws set in place so that they can deny a homeowner the actual time to respond and the transparency of fairly providing the details of the alleged denial facts it was based on. 


Thank you for your time and efforts and I do intend to keep my property.
Consumer complaint received 2024-03-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (IN)

Returned phones and paid last bill. XXXX kept billing me for 3 months after services were rendered. I have submitted my receipt as owed. XXXX said it was their fault on the phone but sent to collections anyways. This was back in XXXX. Why am I getting this now in XXXX?? I found out through my credit report going from XXXX to XXXX in XXXX. Please fix this thank you.
Consumer complaint received 2018-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

I suffered severe financial damages as a result of my deposits being held by Wells Fargo. I deposited a check on XX/XX/XXXX but Wells Fargo held the entire amount of the check ( {$6000.00} ) until XX/XX/XXXX indicating that my check was not endorsed. My financial obligations suffered adverse credibility because my check deposit was inordinately held. No advance payment was made to me on depositing the check. 
Many of my scheduled payments from my account with XXXX XXXX XXXX were returned and I had to pay several overdraft charges because Wells Fargo held my money. My utility charges, auto payments, and mortgage payments became delinquent and I believe my credit score was also adversely affected. I had many interest charges for late payments including late registration and a late fee for my child 's school. My family suffered serious deprivation as I was not able to meet my obligations to my sons and wife during the crisis caused by Wells Fargo. 
I have never had a check declined and I knew this check was valid and authentic but I was not given an opportunity to prove this. Regarding my inability to endorse the check, I requested the bank to call me to any branch in XXXX to verify that the check was deposited by me but my request was declined and Wells Fargo did not take any steps to mitigate my financial hardships until their predetermined date to release my funds. The company did not take any action to meet my requests for verification or return my check. I feel I was treated like a fraudulent person without an opportunity for a hearing. Wells Fargo simply predetermined when they wished to release my fund and held it until they so desired to release it without any regard to the hardships I was going through. 

One of the customer representatives had indicated that Wells Fargo would call the bank issuing the check for verification and availability of the money on the XX/XX/XXXX and the funds made available to me after an overnight processing on the XX/XX/XXXX but this did not happen. My checks with the bank that issued the check revealed that Wells Fargo did not contact them as of the XX/XX/XXXX to ascertain the authenticity of the check or availability of the money for payment of the check
Consumer complaint received 2021-07-12
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. (GA)

I have a current copy of credit report as of today. As of today, there is new unverifiable information on my credit report listed within the Public Records section of my credit report. There is now a Bankruptcy being shown that is formally being dismissed. I have disputed this alleged account on multiple occasions this has been directly with CFPB assistance and disputed this negative allegiant Public Record with XXXX, Experian and XXXX on so many times - - - I can NOT even count anymore! 

These credit bureaus have made it beyond impossible to fix this error on their behalf and have not yet as of this date shown any accurate verifiable and certifiable proof of alleged Public Record. 

Attached you will find written communication with review to assist with a permanent deletion.
Consumer complaint received 2019-08-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

In XXXX, I made a purchase at XXXX and had the order shipped to a store in XXXX XXXX. I was notified by the store that the entire order had not shipped. I asked the store to refund the order as I no longer wanted it if the entire order was not sent. However, the refund was no processed for several weeks even though I never received the merchandise. Finally, on XX/XX/30, the store refunded the total purchase amount. I called onXXXX and asked Comenity to refund any interest and late fees as I was unaware the local store had not refunded back in XXXX. I was given a 1 time late fee refund but was told they could not refund the interest charge even though it should never have been charged if the store would have processed XXXX return back in XXXX and before closing date of the credit card. I would like all interest fees refunded on my XXXX credit card.
Consumer complaint received 2019-09-05
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. (FL)

THIS ACCOUNT REMAINS NEGATIVE ON MY CREDIT REPORT, IT IS REALLY AFFECTING MY CREDIT 'S OVER-ALL HEALTH. XXXX XXXX XXXX IS AN ACCOUNT FROM 2014, I WEN AHEAD AD DISPUTED THIS SPECIFIC ACCOUNT SEVERAL TIMES BEFORE AND NOTHING WAS DONE ABOUT THIS MATTER. 
NOTHING HAS BEEN DONE ABOUT IT, NO ACTIONS HAVE BEEN TAKEN BY ANY OF THE COMPANIES IN WHICH ARE IN CHARGE TO LOOK AT THIS ACCOUNT. FOR SOME REASON I FEEL IGNORED AND I FEEL I HAVE PUT ALL EFFORT INTO REMOVING THIS ACCOUNT FROM MY CREDIT REPORT. LOOK INTO THIS AND LET ME KNOW IF THERE IS SOMETHING THAT HAS TO BE DONE IN ORDER TO GET THIS NEGATIVE ACCOUNT REMOVED.
Consumer complaint received 2022-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MIDFIRST BANK (OK)

On Saturday XX/XX/2022, I was selling an item on XXXX XXXX  when I fell victim to a scam. The scammer pretended to be interested in an item I was selling and asked to pay using XXXX. They got my email and began sending me spoofed emails from who I thought was XXXX. 
The email stated that the buyer had sent the payment using a business account. As a result, the buyer had to pay an additional fee for the payment to go through. They went on to ask me to upgrade my account and refund the buyer for the supposed upgrade fee. The scam email also pressured me to transfer the funds quickly if I wanted to receive the initial payment. Once I sent the extra funds back, I realized the scammer hadnt sent any money. I immediately called my financial institution, Midfirst Bank, to dispute the charges. I then called XXXX to let them know what happened. I also called my local police department to file a report because the scammer had my address. On XX/XX/XXXX, I went into my local Midfirst and signed the dispute paperwork as well as provided all the documentation from messages between myself and the scammer, all the emails I received, police report, and screenshots of all transactions. The same day, {$400.00} was placed into my account by Midfirst Bank. On XX/XX/XXXX the funds were removed back out of my account without any notice from the bank. I called on XX/XX/XXXX and spoke to a representative named XXXX to let him know that I would be filling this report with the CFPB due to their resistance of refunding these scam payments. He let me know I may or may not be reached out to by someone in the consumer complaint tracking service, but when asked for a number to their department and when I could expect to be reached out to he refused to answer. I believe I should be refunded the {$400.00} due to being a victim of a scam on an app they host and own as well as providing all the documentation that shows it was a scam.
Consumer complaint received 2022-08-26
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (CA)

In XXXX I decided to attempt to go to school and per-sue a degree in a field that I was working in. 
I was never informed about the actual cost during any of this time. In that I didnt have any experience to compare this process to, I was only sent paperwork to sign to stay enrolled. This was online, through XXXX XXXX University, and the lender was Sallie Mae. 
I was never sent any sort of documentation regarding the cost, wether by semester, quarter or annual. .as I recall, I was contacted at work on a variety of occasions that I needed additional funding to continue. But never a specific cost. No documentation, only signature pages. 
I still have never received any such documents. 
At some point Sallie Mae sold accounts to Navient. In XXXX I was placed on XXXX XXXXXXXX and could no longer work, and I am still in the same physical condition. I was able to have a large portion of the loans, that I was shocked at the balance, excused. I am receiving SSI income and still attempting to pay the balance of the private loans, those i never was informed about. 

At this point, the interest on one loan is over 10 %. I dont see an end. The fast talking people that would call, and basically threaten me, with cutting access to the classes, just sign this form..
Consumer complaint received 2018-11-25
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. (IA)

I have disputed accounts on my Equifax report and they verified it as accurate but they are not my accounts I asked for proof and they send me none XXXX never had a account XXXX XXXX have had XXXX for last 5 years XXXX XXXX is saying I wrote a check to XXXX I don't have a check book I have tried to dispute these accounts I get nowhere
Consumer complaint received 2019-09-05
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (AZ)

On XX/XX/19 Comentiy Bank called a relative of mine in Arizona, from XXXX XXXX. I have complained before about them calling relatives/friends and was told they would contact me directly and closed the complaint. They continue to call relatives repeatedly discussing my financial situation with them. They also continue to call out of state relatives.
Consumer complaint received 2023-03-25
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. (OK)

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 2019-09-05
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. (FL)

THE FOLLOWING NEGATIVE ACCOUNT HAS BEEN REALLY AFFECTING ME TOWARDS ACHIEVING GOALS IN WHICH I NEED TO PURSUE : XXXX XXXX, THIS ACCOUNT SHOWS AS IF IT'S 30 DAYS LATE AND WITH NO BALANCE. PLEASE PROVIDE ME WITH A GOOD REASON AS TO WHY THIS ACCOUNT IS STILL REFLECTING NEGATIVELY ON MY REPORT. IT HAS BEEN MORE THAN FIVE TIMES NOW THAT I HAVE TRIED TO RESOLVE THIS ISSUE AND NOTHING IS BEING DONE. PLEASE REMOVE THIS ACCOUNT BECAUSE IT IS NOT VERIFIED NOR DOES IT PROVIDE US WITH ACCURATE INFORMATION IN WHICH WOULD DISPLAY ON MY REPORT.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
INACCURATE NAME : XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX  XXXX, CA XXXX EMPLOYER : XXXX  Date Updated : XX/XX/XXXX XXXX XXXX  Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-03-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Your company PORTFOLIO RECOV ASSOC never validated this alleged account. If you have validated this account please provide method of validation. I was never given the opportunity to access or review this alleged debt. If you in fact believe that you gave me proper notification of this alleged debt, please send me a copy of the certified receipt with my name and signature as well as my original contract with signatures from the original creditor with the cost you paid for this alleged debt.
Consumer complaint received 2023-03-25
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. (SC)

In accordance with the fair credit reporting act XXXX Account # 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 written instructions
Consumer complaint received 2022-07-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MA)

I checked back on my account payments, because I thought there was some discrepancy. So I found out they double billed me for {$83.00} once on XX/XX/2022 and again on XX/XX/XXXX, so I called XXXX and the agent agreed there was a double payment so he said they will pay back {$83.00} to my checking account with-in 20 days. I thought I should receive it in a week.
Consumer complaint received 2018-11-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (PA)

On .XX/XX/2018.. my car was totaled.. and my insurance company paid the car loan off.. witch was the balance owed..of {$15.00}. Plus I gave GAP.Insurance ... XXXX XXXX is the one I got the loan from. And they are saying that they only received {$12.00}. I called my insurance company and they provided me with paperwork of amount paid..witch clearly say XXXX. Santander is telling me that's not true.. my insurance company told me to file this claim.. so as of today..XX/XX/2018 it still says I owe them over {$2000.00} .. but what about my GAP insurance..what did I purchase it for ... PLEASE HELP..
Consumer complaint received 2024-03-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (TX)

Jefferson Capital Syst, XXXX, XXXX and XXXX has submitted a debt on my credit without my consent, according to 15 U.S. Code subsection 1681s-2, that credit agencies have to give 30 days notice prior to reporting on my credit file. On top of reporting information incorrectly, this debt was not opened in XXXX, this debt it outside the statue of limitations according to California law, this credit transaction is 100 % false and incorrect and should be removed from my credit file with the credit agencies. This was originally opened with XXXX in XXXX and last date of activity was XX/XX/XXXX. 
Accordance to the Fair Credit Reporting Act it requires credit reporting agencies and furnishers to follow reasonable procedures to ensure the accuracy and integrity of the information they have reported. The Fair and Accurate Credit Transactions Act ( XXXX ) which amended the FCRA and added new provisions to prevent identity theft, enhance consumer access to credit information, and improve the accuracy of credit reports. Because of the XXXX XXXX, I am requesting the CFPB to enforce these laws and rules to have this account removed from every report. This has negatively affected my ability to do business, caused stress and placed me under duress with them destroying my credit worthiness, thus making it difficult to obtain further credit and operate in commerce as my constitutional right and liberty.