davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (NY)

I received a letter from XXXX XXXX XXXX stating that owed {$3000.00} to Pinnacle Credit Services , LLC and that the original owner is XXXX XXXX. I do not owed any money to XXXX XXXX or Pinnacle Credit Services. I wrote a letter to XXXX XXXX XXXX disputing this debt and requested proof that both the debt and the creditor are valid. This is a scam and I do not want this to affect my credit report.
Consumer complaint received 2021-02-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

on XX/XX/2021, i sent PORTFOLIO RECOVERY ASSOCIATES another letter asking for documentation and statements regarding this alleged debt of XXXX that i do not owe.I haven't received or heard anything as of yet.I also attached a copy below for your assistance to help me in this matter
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/2021 after work at XXXX I went to XXXX XXXX. I seen a car I like and XXXX the salesman told me that the car is XXXX based off of the financial lady. So I said lets do it. And after running my credit I did not like the monthly payment because they did the wrong car. And the price is actually XXXX. So I said never mind. But the XXXX tried to find me a different car and I said okay. I wanted to know the monthly for each one just like how everybody looks at their estimate monthly payment online. After looking at different cars I decided I did not like any of the offers so I just went home. Later on the night I seen that my credit got pulled 25 pts from XXXX XXXX. How is that possible I have a good credit and it shouldnt take off that many points. I called them and said that they cant do anything about it so here I am asking for help. They told me that it shouldnt even affect my credit because they didnt connect me to any bank. Which they said they didnt. They have already messed up in the first place by running my credit with the wrong car. And I only permitted them to run my credit once. I hope you guys could help me out thank you
Consumer complaint received 2019-07-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

Around XX/XX/XXXX my HELOC with USAA disappeared from my online banking account. I called USAA and they stated that they were working on rectifying this issue because bankruptcy laws have changed. I informed them that my Ch XXXX was discharged 10 years prior and I was never late on my HELOC. In fact, I had paid down approximately XXXX $ regardless of the fact that it was an interest-only loan. I did not receive any paperwork or any phone calls. I called the bankruptcy department many times and they could not give me any information. In fact, their answers to my question were quite cryptic. I did request a lien release and they put the work order in but said I would have to call back in 2-3 weeks to find out the results. This back and forth has been going on since my first phone call to them. 

I have been attempting to refinance my property to a fixed rate and now I am held up by USAA because they refuse to release the lien. Again, when I called the bankruptcy department XX/XX/XXXX they could not give me any information except that the results of the last inquiry resulted in a refusal to release the lien. The person on the phone said she could not give me any further information because it has to be formally requested by another department. She could not even provide me with the account number. And, again, I have received no information about what is going on. 

My credit report shows that the account is closed with a XXXX  balance and no derogatory history. Yet USAA will not release the lien or give me any explanation for anything. This is 11 years after my CH XXXX. I was holding up my end of the bargain and was NEVER behind on my first or second mortgage. USAA never attempted to negotiate my term and closed my account without explanation. Again, it is not derogatory on my credit report. In fact, it shows a XXXX balance but they will not remove the lien and say I owe them money but no one can tell me anything further. 

I have no documentation besides my credit report and the proof that they were on my schedule D for CH in XXXX. As previously stated, USAA has removed all evidence of the HELOC and has not provided us with any paperwork.
Consumer complaint received 2019-07-18
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: EQUIFAX, INC. (NJ)

Equifax wont remove inquires that they confirmed they deleted from my credit file the disputes were filed on XX/XX/2019 and wrapped up on XX/XX/2019 confirmation number of XXXX but the items still havent been removed also they are reporting 3 fraudulent accounts from XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX  and they arent sending the data to the companies I just started they are using XXXX XXXX system and reporting these accounts that are fraudulent I will sue Equifax also XXXX is reporting a XXXX account on my file and I do have a police report this is not my account
Consumer complaint received 2019-07-18
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (NY)

I have been trying to close on the sale of my co-op since XXXX. My original mortgage company went bankrupt and I was turned over to another service. I needed my original stock certificates and propriety lease which took me 100 phone calls from my lawyer, myself, real estate agent and lawyer for co-op to finally get them. Sitting at the closing the UCC3 document was missing. A request was made on XX/XX/19 and a copy of the UCC3 was  emailed to Loancare for signature. Everyone has called and called to obtain status of this document each day. Hours and hours on the phone, telling story over and over again, being on hold for 45 minutes at a time. Having the supervisor ask how I got them on the phone if I was transferred to him, very annoyed and kept me on hold for 45 more minutes and then hung up on me. I am trying to get this document as my buyer rate lock has expired and now she has to renew and cost money. I am losing money every day and still no results. I am desperate for some intervention and results, before this sale falls through and I lose everything. I am already paying 2 rents.
Consumer complaint received 2021-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (NV)

CFPB, Per XXXX XXXX/Amexs response : We reviewed the XX/XX/2021 chat mentioned in your correspondence and you did not request to cancel your account. 

Again, Amex cites the XX/XX/2021 XXXX not XX/XX/2021 XXXX chat, without providing the transcripts, so allow me to provide the transcript to the CFBP and Amex so that Amex is fully aware of Amexs fraud. 

-- XXXX.Amex Chat ( XXXX  ) : XXXX  : Why is my account showing a XX/XX/2021 Removal of Credit Balance? 

Amex : Upon checking your account, I was able to verify that the removal of credit balance youre seeing on your account is about your credit balance of {$23.00} thats been left on your account for 3 consecutive months now. 

For those instances, the system automatically clears the said credit balance by creating a request to have a check sent out to the card member. 

That is to clear the account, which is now {$0.00} balance. 

XXXX  : Tell the system to replace the stolen funds or close my account. 
XXXX, you are costing me more than {$30.00} of my time reporting this issue. 

Amex : I understand. We can request for the credit balance refund check to be cancelled and have it brought back to the account. 

-- Again, Tell the system to replace the stolen funds or close my account. 
XXXX/Amex failed to return the stolen funds, and Amex failed to close the account. 
Everything since is Amexs failure and harassment of me. 
I have given explicit directions with every one of my communications to Amex and the CFPB. 
The CFPB has failed to protect me from Amexs XXXX  and failure. 
I want nothing to do with Amex ever again. 
Best of luck in Amexs continued culture of ignorance, discrimination, and predatory revenue creation. 

XXXX
Consumer complaint received 2019-11-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Choice Recovery, Inc. (TX)

It shows on my credit report that on XX/XX/2019 a amount of {$180.00} : A amount of {$36.00} ; a Amount of {$36.00} ( twice ) is owed to CHOICERECOV ( Original Creditor : XXXX XXXX XXXX ), .. I have reach out to the creditor multiple times asking them to remove the account out of my name because it doesn't belong to me ... the name that's on the account isn't even my full name.. I disputed it and even went and got a police report due to fraud.. and the creditor ( XXXX  AND XXXX ) is still stating there is nothing that they can do because the account is sold to someone else.. The debt was once removed and now its appearing back on my credit.
Consumer complaint received 2021-02-11
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

I am being significantly impacted on my credit history for an error made by my mortgage company. I have been attempting to figure out exactly how they can claim there is a late payment on this account, when we have records indicating that payments were drafted every month since the inception of the account. 
Based on my extensive research and audit of the payments posted on this account, I can spot a potential egregious error on behalf of the mortgage bank that is showing a possible clerical/typo error when posting my payment. The payments monthly are {$1700.00} a month, but it seems for the month of XXXX they posted as {$1100.00}. I understand that mistake happen, but they are fully aware of this and refuse to adjust it on my credit report. This was their mistake and all I want is for them to rectify it. Furthermore, a payment was promptly made right after to ensure there was not a 30 day lapse in between payments, therefore this 30 day late is completely false, damaging, illegal, and I Demand it gets removed.
Consumer complaint received 2021-04-14
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 — Problem with personal statement of dispute
Company: REGIONS FINANCIAL CORPORATION (AL)

Since XXXX of last year we have tried to rectify this with Regions bank. The Regions branch has had numerous problems since switching to a new loan service. I.E. duplicate account number incorrect payments posted and all sorts of issues. As an ex-employee of Regions bank, my office manager has more insight to the issues the company has than most. We have asked repeatedly for them to find a check that cleared our account for XXXX $ in XXXX that would have caught all late fees up. They refuse to answer and our find the missing funds. The account on the branch side also says current and not due till the following months when payments are made. We have already submitted one complaint to the CFPB that was half answered. Late fees can drag on an account but the account will still advance and show current. Regions has reported 2 months late that were in fact current if they would find their mistake in the missing XXXX check but also in the fact that minimum payments were made according to the branch.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I sent XXXX dispute letters to Trans Union due to them reporting inaccurate account on my credit report. I asked them to investigate and if they found this account verified I requested proof. They never investigated and never responded. Under the Fair Credit Reporting Act they are required to investigate and provide me the requested information within 30 days or delete the inaccurate account, this company did nothing which is a violation of my rights under The Fair Credit Reporting Act. I am including the letters both the first letter and a second letter I sent them. They have had over 90 days and have done nothing.
Consumer complaint received 2021-07-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XXXX, I mailed Transunion regarding the incorrect information on my credit profile Regarding a Federal Filed Bankruptcy XXXX containing incorrect Information such as ( FILED US BANKRUPTCY COURT ). Transunion updated the report to reflect I disputed the information. 

On XXXX I mailed the " United States Bankruptcy Court Eastern District '' regarding the release of information. on XX/XX/2021, I received a letter in return from the Court stating in short " we do not provide or release any personal information to the credit reporting agencies ( said letter attached ) Transunion on XXXX updated and sent me their investigation findings as ( VERIFIED ) letter attached. I did not received the VOD from Transunion. 

I once again on XXXX requested a RE-INVESTIGTION from Transunion regarding the incorrect information and requested if they could not provide me with the verification of the investigation which I am in titled to to please delete this file immediately. I received no response back from Transunion regarding my request into this matter. 

On XXXX I once again mailed certified to Transunion a request to RE-INVESTIGATE my file. 

On XXXX Transunion once again sent a letter stating ( Item Verified ) and no verification method was provided with said letter. 

I have on four ( 4 ) numerous occasions followed and requested Transunion to conduct a proper Investigation into this matter. Transunion however feels that it does not have to comply the same we ( the consumer ) do with the process and seems unfair to me to have to continue to spend time and money because they want to bypass the process and determine on their own what is verifiable or not.
Consumer complaint received 2021-02-18
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: TOYOTA MOTOR CREDIT CORPORATION (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX  XXXX XXXX, Toyota Motor XXXX, and XXXX XXXX. The Account Opened is XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Toyota Motor XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8600.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2022-10-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (DC)

On XX/XX/2022 I was attempting to call an XXXX customer service number about a package that was stolen. I called the number that popped up when I googled XXXX customer service number. They stated they were XXXX customer service and walked me through a process I thought was to get a refund. They had me send several XXXX payments to what I was told was a server that would trigger a repayment. I realized this was obviously a scam and hung up the phone. They sent several fake texts saying the money I paid for my package had been returned, as well as calling me multiple times to say I needed to finish the process. I immediately called Wells Fargo to let them know what happened and to cancel all XXXX transactions. The banker I spoke with canceled my debit card and sent a new one, assuring me that the XXXX payments would not go through because they were still pending and those payments would be canceled and returned to my bank account. The next morning, the payments had not been canceled, they had been sent and confirmed, I called Wells Fargo back and they informed me I had received incorrect information, and the banker should have filed claims for me to fight the transactions. The claims for each XXXX payment were then filed, totaling {$2400.00}. I waited 10 days and then reached back out to Wells Fargo to check the status. I was told the bank reached out to the bank that received the money and asked for a refund and they refused so the claim had been denied and there was nothing else they could do. The bank informed me that those payments from me were " authorized '' and therefore Wells Fargo was not going to refund me, even though I was not aware that I was sending money. 

Wells Fargo is holding me liable for unauthorized transactions, after telling me the transactions would be canceled.
Consumer complaint received 2021-07-22
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. (WV)

Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2019-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The issue is with XXXX XXXX arbitrarily adding a comment to the credit bureau identifying my home as " Affected by Natural Disaster ''. When I called the Bank the employee notified me that this is simply a comment that they add when the area around a home has been affected by a Natural Disaster. This is an unfair practice and affects the value of a persons home. This is something XXXX is doing to others and I feel that they are going to affect the home values of many people by doing so.
Consumer complaint received 2017-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have a XXXX for the year 2015. The balance on my credit report should be {$0.00}. The debt cancelled on the XXXX shows {$10000.00} on my credit report it 's almost {$14000.00}.
Consumer complaint received 2022-10-06
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: Experian Information Solutions Inc. (MD)

I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action.

15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2021-07-22
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (PA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX and XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-03-09
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. (SC)

I XXXX XXXX am a victim of identity theft and fraud. EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 5th ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2022-12-15
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NJ)

I was scammed out of all of my money through the Chime Bank app by a false customer rep that said I won some money. The agent said he required my cards to make the money deposit and my driver license. I contacted Chime to verify if this is a real process and the agent I spoke with on the phone confirmed it was correct. So, I proceeded and shortly after sending my information, my entire bank account was withdrawn. I contacted Chime 's fraud dept and they condirmed and admitted that the withdrawn money was fraudulent. It was taken out by something called XXXXXXXX XXXX XXXX And it turns out to be in XXXX, XXXX. Chime has closed my case and denied the returns of my stolen funds.