davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
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. (AZ)

On XX/XX/XXXX I received a hard inquiry on my credit report from XXXX XXXX  XXXX 

I have called the XXXX XXXX  twice to report fraud. I spoke with XXXX on the 1st call and the 2nd I spoke with XXXX. Both times they said they could not find nor verify the inquiry and both times they agreed to send communications to all the credit agencies to get this fraud inquiry removed immediately via electronic communication. 
I called and spoke with XXXX in the specialty fraud department at TransUnion. He was extremely rude and ask had I filed a report with CFPB and told him yes. I also told him there has been a " Fraud Freeze '' on my account since XXXX and that NO one can pull my credit or open an account without verification. I have also frozen all information on XXXX, XXXX, XXXX, XXXX, and XXXX. 
XXXX at TransUnion still was not willing to work with me on the removal of this fraudulent inquiry. I take my credit seriously and want this OFF my credit report as soon as possible. 
These credit reporting agencies are NOT Government Agencies! They are for profit. Their profit comes from banks & lending institutions to keep your score low as possible so they can sell your information to subprime/High-Interest lenders. BEWARE and fight for your credit!
Consumer complaint received 2017-01-24
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A. (PA)

On the XXXX of XXXX some went into a bank in New Jersey and deposit a check for {$3500.00} into my daughter account She lost her debt card few weeks ago on the bus, Someone must of pick it up and use it @ XXXX for {$1900.00} then went to Atm and withdrawl {$500.00} At the time there was No money on her card How they let them transaction happen i dont know Now her account is - {$2400.00} and they want me to pay they been taking all the money out of my other account as well They denied my despute and there reason was They check the history of Atm uses and said there were different people using her card Which is not true
Consumer complaint received 2022-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Early Warning Services, LLC (AZ)

I use XXXX XXXX XXXX. I was on XXXX and was looking at a business page to purchase a XXXX. I was told zelle was the best way to pay. I paid {$1800.00} on XX/XX/ and got scammed. He blocked me after I paid. Zelle knows where the money went and All of the banks own it. I don't understand why they allow this to happen with no protection to the consumers. It was a fake page with a fake name, but when I put the email from zelle in XXXX XXXX his real name came up. Nothing has been done to help me.
Consumer complaint received 2022-12-14
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no XXXX party involved.Please review the uploaded letters.
Consumer complaint received 2022-12-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

Contacted a phone number ( XXXX ) XXXX claiming to be PayPal to authorize a transfer of funds and got suspicious when asked for too much information including California Driving License information. I contacted PayPal and was told this was not one of their phone numbers.
Consumer complaint received 2020-12-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Cornerstone Home Lending Inc. (CA)

Cornerstone home lending is predatory and the mortgage broker XXXX XXXX repeatedly lied to me about estimates. All estimates were several XXXX dollars off ( always in XXXX favor ). Cornerstone had my original mortgage and the refinance but charged a late fee when XXXX was slow processing the loan. We were supposed to get a refund of impound but cornerstone itself paid our real estate taxes twice ( {$4000.00} ). XXXX XXXX says he will try to help figure out what went wrong and see if you can get your money back. He is not performing his fiduciary duty to us - and has behaved in a predatory manner.
Consumer complaint received 2020-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Hello, my name is XXXX XXXX. I had two unusual transactions from XXXX after I had deposited a check for {$1000.00}. Both transactions seem to be headed in the same direction, a number I have no clue where it's from and the name either. These transactions were made on the XXXX and XXXX of XXXX. Putting my family and me in a very stressful part, I had to pull strings to get out of this situation.
Consumer complaint received 2020-12-19
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. (FL)

I have been attempting to get my credit report updated on the XXXX account as it was settled since XX/XX/2020 with their agent how bought their debt ( Full Circle ) and have not been able to obtain the final letter transferred that debt from XXXX to Full Circle nor has my credit report been updated to reflect {$0.00} balance on XXXX. 

They tell me that they have attempted to contact XXXX with no results and they could not give me any documentation that they bought the debt from XXXX. 

I have been emailing and contacting XXXX with numerous attempts along with over 10 + hours on hold with multiple transfers and disconnects and they still show2 I owe those funds. 

I have attached all the correspondence in hopes that I can get a letter from XXXX as this is holding up my refinance on my home and need it asap as I have also spent additional funds out of my pocket for the appraisal fees. 

Please can someone Please help me. 

XXXX XXXX XXXX
Consumer complaint received 2020-12-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IN)

I have repeatedly been hit by XXXX  with collections that I have not done and I dispute them just fine as they are not mine. But around the XX/XX/XXXX they put a collection for the third time from a XXXX bill on my credit report and when I try to dispute it they just leave it on there. I have never had a cable or internet bill in my life and my phone goes through XXXX which I make my payments on time monthly for. I dont want this damaging my credit any longer as I have not opened an account with XXXX and disputing it twice has not worked.
Consumer complaint received 2019-04-29
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: CORELOGIC INC (IN)

My identity was compromised while I was oversees serving in the U.S. Military between XXXX - XXXX. During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

XXXX XXXX XXXX Bank Mortgage XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX
Consumer complaint received 2022-05-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (TX)

To whom this may concern I am writing because the 3 major bureaus on several occasions have yet to properly investigate the negative and inaccurate information on my credit report. By law the bureaus must adhere to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) The major bureaus have continued to report negative information, addresses, and accounts without providing legal proof that the debt is valid. I am requesting a investigation by the CFPB to remove all inaccurate information.

Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus XXXX XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 

Be mindful that the collection agency has yet to provide A LEGAL BINDING CONTRACT WITH A BEARING SIGNATURE SHOWING PROOF OF DEBT AND OR LEGAL OBLIGATION TO PAY THE DEBT WITH THE ALLEGED DEBT COLLECTOR. UNTIL THE AGENCY COLLECTING THE DEBT CAN PROVIDE A CONTRACT BINDING THE DEBTOR TO THE DEBT THE DEBT MUST BE REMOVED.
Consumer complaint received 2023-10-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Specialized Loan Servicing Holdings LLC (VA)

In XX/XX/XXXX, I sought a payoff amount for my HELICO loan. Specialized Loan Servicing ( SLS ) provided a figure of {$52000.00}, which incorporated additional days of interest. I promptly transferred the specified funds on XX/XX/XXXX, in accordance with their directives to their designated lock box. SLS acknowledged this payment on the same day, resulting in an overpayment, as reflected in my account, amounting to {$470.00}. By XX/XX/XXXX, my statement indicated that there was no outstanding principal balance, a status that persisted into the XX/XX/XXXX statement. 

Subsequently, on XX/XX/XXXX, I formally reached out to SLS with a request to terminate my HELICO account. In compliance with their protocol, I furnished them with a signed letter, delivered via fax. However, upon their receipt of this closure request, SLS took the inexplicable step of nullifying the principal payment I had made on XX/XX/XXXX. Instead, they reprocessed the payment and imposed an interest of 11 % for the months of XXXX and XXXX on the previously cleared principal sum of {$51000.00}. This recalculated interest totaled {$920.00}. 

This adjustment not only meant that the company retained the aforementioned overpayment of {$470.00} but also culminated in an additional payment demand of {$450.00} for account closure. I have since paid the additional {$450.00} amount because they identified it as a requirement on my XX/XX/XXXX statement and identified it as past due. 

SLS 's rationale for this reversal remains unclear. Their justification rests on the premise that I did not initiate the account 's closure in XXXX. However, I was under no obligation to terminate the account in that month. It is my understanding that a XXXX principal balance negates the possibility of further interest charges. 

I have made four separate attempts to rectify this situation with SLS via phone. Each conversation concludes with an assurance of a follow-up investigation, yet no subsequent communication is ever initiated on their part. My subsequent calls invariably begin anew with a different representative. Furthermore, my efforts to elevate the matter to higher management have been thwarted, as I am consistently redirected to their initial point of contactthe help deskwhose personnel, I suspect, may lack a comprehensive grasp of banking and interest procedures. 

I have attached copies of my monthly statements starting in XXXX to XX/XX/XXXX for your review. The XXXX statement clearly shows the {$52000.00} payment being applied on XX/XX/XXXX. The XXXX statement clearly shows them reversing a {$51000.00} payment on XX/XX/XXXX and immediately reapplying this payment, but charging me interest for the prior two months.
Consumer complaint received 2020-12-21
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. (TX)

As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!
Consumer complaint received 2020-12-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020 XXXX California time XXXX XXXX, a remittance center, got hacked and saw emails that I sent a total amount of {$2200.00} in a bank account in the XXXX  without my authorization. There were a total of 17 transactions that were processed without my knowledge ( and as I was sleeping ). The hacker sent {$120.00} x 4 named through my sister, and {$130.00} x 13 transactions named through my auntie into a ONE bank account in the XXXX. I was told by my sister in the XXXX that she got multiple text messages about how I sent money multiple times, but it wasn't towards her account. It turned out that the hacker used my auntie and sister 's phone number and address, and use their own hacker 's bank account and name to receive the money. 

I escalated the issue to XXXX and I was told that they guaranteed that they will give my money back. During the phone calls, they found out that my one-time passcode was XXXX by the hacker, hence why it did not prompt me for log-in back, and that 2 login attempts in 2 different parts of California were recorded ( one in XXXX, one in XXXX XXXX ). After hours of call with them, they said they will be working with my Bank of America regarding this issue. 

After the call with XXXX, I filed a claim in BofA through call and told them about this incidence. I was told that they will do my best regarding this situation, and will try to resolve it in 10 days. 

Today, XX/XX/2020, they closed my claim and denied it. They said that : " Our records show the transaction activity in question was authorized and posted correctly to your account. '' The problem is that at XXXX XXXX  on the morning of that day I was hacked, I was sleeping. 17 transactions were made multiple times and how come that did not flag BofA. On top of that, they charged me with monthly maintenance fee because of my account balance being below {$1500.00} a few days ago. 

I have attached the transactions in this e-mail
Consumer complaint received 2019-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Experian Information Solutions Inc. (AZ)

I went to XXXX XXXX to get an annual free credit report and which time I was deceptively charged a recurring charge/fee of {$24.00} on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX I attempted to contact the merchant Experian and requested a refund and was denied, Debt validation letter was denied, any proof of purchase ( wasn't able to provide ), asked about why I didn't recivce any reciept of purchase or achknowledgement of purchase wasn't able to provide, and requested a supervisor/manager was told that there are none that work on the weekends.
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Capital Management Services, LP (CA)

XXXX XXXX is reporting an account ( XXXX {$910.00} ) on my credit files, i have contacted them requesting validation they say that there other company capital management is collecting for them. I contact Capital Management is sending me settlement letters by mail, asking for validation for this account that I have never had business with this company and tell me that they have no account info for me, but that I need to pay the account off with there offer. I have no knowledge of this account with either company. I have attached the settlment offer from capital management
Consumer complaint received 2022-05-13
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-10-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (AZ)

After finding out that I was given wrong information that I dont qualify for student loan forgiveness and could have qualified for student loan forgiveness I requested to consolidate my loan into direct loans By contacting nelnet today at XXXX at XXXX XXXX mountain standard time. The representative stated that I should have consolidated by XX/XX/XXXX in order to be accepted. I stated I was given wrong information by a nelnet representative when I had called as I had asked if I can qualify for student loan forgiveness. Rep asked what day was this I said I dont recall what day and they stated they can look it up to listen but will have to transfer me to a manager as rep stated there is no notes stating rep on XX/XX/XXXX said that. I requested that she pull the recording and transfer me to a manager. 



I was transferred to another representative by the name XXXX XXXX XXXX stated he is an account XXXX he said he listed to a call on XX/XX/2022 at XXXX where the rep did say I do not qualify however there is nothing they can do about it now he stated he will submit the complaint but I should have consolidated my loan into direct loans by the deadline.