davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

WELLS FARGO APPROVED A MODIFICATION ON MY PROPERTY, I DID AGREE ON ALL NEW TERMS & CONDITIONS. A MOBIL NOTARY WAS ASSIGNED TO ME, TO NOTARIZE AND EXECUTED THE MODIFICATION ON XX/XX/2018. A FEW WEEKS AFTER ANOTHER MODIFICATION PACKAGE ARRIVED AT MY PROPERTY INCLUDING ADDITIONAL DOCUMENTS TO BE SIGN, IN FRONT OF A NOTARY AND RETURN. THIS NEW DOCUMENTS INCLUDED, A ASSIGNMENT OF RENT RIDER.I DID NOT SIGN THE NEW DOCUMENT BECAUSE WERE ADDED AFTER THE FACT, OF SIGNING ALL REQUIRED DOCUMENTS.ALSO THIS DOCUMENT BENEFITS THE BANK ONLY AND NOT MY SELF. THE WAY WELLS FARGO IS CONDUCTING BUSINESS CREATES A MISREPRESENTATION BY MAKING FALSE REPRESENTATION.BREACHING A CONTRACT BETWEEN CLIENT AND LENDER.THEY HAVE TO BE RESPONSIBLE FOR ANY MISTAKES MADE BY THEIR REPRESENTATIVES AND EMPLOYEES.
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (MD)

I purchased items during the holidays from QVC. I returned 4 items and was to receive a refund to my PayPal account. I didn't receive the proper refund. I called QVC and a lady named XXXX reviewed my refunds and stated to call PayPal. PayPal indicated they had to additional refunds from the company. I called QVC back and asked that they send me an email showing the returned items and the amount of refund owed. They said I would receive the email in 3-5 business days. Upon the XXXX day, I received no email with requested information. I called QVC on XX/XX/XXXX and spoke to a supervisor who indicated that the finance department denied to send me the requested information. I asked to be transferred to that department and was told they can't be reached. QVC has closed my account due to a dispute with Scychrony Bank effective XX/XX/XXXX. I am paying on items that I have currently purchased thru PayPal. I returned items and just want a copy of the refunds due to me and why I wasn't refunded the proper amount. I as a consumer who owes money to a company should have access to what I owe or refunds due to me.I feel this company is denying me my consumer rights.
Consumer complaint received 2022-10-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (MD)

A notice of cease and desist, as well as certified proof of contract was sent to Sequium Asset Solutions , LLC on XXXX XXXX. However, they refuse to respond. Instead they continue to harass and contact me every day a couple of times a day, since the date listed on the notification letter.
Consumer complaint received 2020-01-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Vengroff Williams, Inc (GA)

At XXXX XXXX on XX/XX/2020, I received a phone from a XXXX or XXXX from a California number as follows : ( XXXX ) XXXX When I performed a search of who this was that called me I discovered that it was a financial services firm called Vengroff Williams who has offices in XXXX, Fl, XXXX, Ca, XXXX, NY & XXXX, Illinois in which has a very long history of consumer complaints & lawsuits for their debt collection tactics. 

link below : XXXX XXXX XXXX He said he was a lawyer trying to collect a debt from a company I did not recognize right off hand and he finally went into detail saying that it was from XXXX XXXX XXXX XXXX and at that point I knew what company he was speaking of. Beings that I had not been notified in writing that he was a debt collector who took over the debt from XXXX XXXX, I told him I wanted a verification of debt and to send me the information in writing. He asked me if I was an attorney over and over again and I advised him I know my rights and he needed to send me the information via mail. 
After her continued telling me that I didn't know what I was talking about he insinuated that he was going to pull my personal credit while he was on the line with me which would drop my score in turn damaging my credit score. I advised him he had no permission to do so and his tactics were illegal under the Fair Debt Collection Practices Act ( FDCPA ). He again asked me over and over again if I was attorney and said that I had no idea what I was talking about. He then hung up on me after out heated exchange. 

I called him back and asked him why he hung up & he said that he was looking at my credit as we were speaking and said that I had multiple social security numbers ( which is no shape form or fashion true ) & he knew what type of person he was dealing with and then hung up on me again! 

This type of collection tactics is unlawful and pure harassment that I will not tolerate. 
Please assist me in getting this situation resolved & hold this firm accountable for their tactics.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

My identity has been stolen you are hereby put on notice. 
Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

( 1 ) In general. 
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term ofimprisonment of 2 years. 
An identification of me has been used with out my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
YOU XXXX, XXXX, EXPERIAN have aided this Fraud by not verifying these accounts. 
Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
List Account/s here : Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of anyinformation in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
I have attached all the relevant documents pursuant the above Section of the law. 
I demand all the above Fraudulent accounts DELETED immediately. 
I Demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2 Access to free reports ) ( 2 ) Access to free reports In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall ( A ) disclose to the consumer that the consumer may request a free copy of the file of the consumer pursuant to section 1681j ( d ) of this title ; and Be Advised I will CC The Bureau of Consumer Protection Financial ( CFPB ) FTC XXXX Attorney Generals Office in your state and Mine Thank you, XXXX XXXX FTC reference number XXXX
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

if they XXXX XXXX can put in the comment area of their report that creditor did not ans health ins inquiry, and that's why its not getting paid. 

XXXX XXXX car had gap and was not paid
Consumer complaint received 2020-11-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CT)

I checked my credit report yesterday, and Enhanced recovery Co LLC added a collections account for {$640.00}. I was never notified via mail about any debt owed to this company. I was suppose to receive written notification of any attempts to collect debt PRIOR to it being reported as a collections account. I have no signed contract with this company. This is not my debt. I do not know who Enhanced recovery is. My rights under the FDCPA have been violated. I will take immediate legal action against this company. I want Enhanced recovery Co to Cease and refrain from reporting false debt to all credit bureaus. I want Enhanced recovery to immediately remove this false reporting from my credit file with all credit bureaus. My credit character and credit worthiness has been defamed! I will follow up with immediate legal action against Enhanced recovery Systems
Consumer complaint received 2018-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

on XX/XX/XXXX I open a certificate of deposit with XXXX   the company start to report my payments as XX/XX/XXXX but up to now my credit score hasn't changed nor the credit agency hasn't posted no payment history on my report
Consumer complaint received 2018-12-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Experian Information Solutions Inc. (CA)

I had a loan with XXXX XXXX XXXX, car got repossessed, but now XXXX sold debt to a company called XXXX XXXX, but XXXX  is reporting a balance of XXXX and they sold the debt to XXXX XXXX   and it shows I owe them {$15000.00} open date XX/XX/2018 so I dont understand how I can have 2 bad items for one charge off repo, I want XXXX to fix this or I want XXXX XXXX to remove collection from experian and XXXX and XXXX.
Consumer complaint received 2018-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma (GA)

on XX/XX/XXXX I open a certificate of deposit with XXXX   the company start to report my payments as XX/XX/XXXX but up to now my credit score hasn't changed nor the credit agency hasn't posted no payment history on my report
Consumer complaint received 2023-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (MI)

I have been denied for a apartment, car due to a bad credit score because I recently pulled my credit report and there are items on my report that arent tied to my name at all, also things I never authorized such as a XXXX XXXX XXXX for {$1500.00} thats not right thats fraud. As well as XXXX. XXXX, XXXX for {$820.00} thats inaccurate and very much so identity theft. Ive never lived at XXXX XXXX XXXX, XXXX XXXX XXXX that address doesnt belong to me.
Consumer complaint received 2019-09-09
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. (NY)

XXXX XXXX is reporting the account as charged off with XXXX as XX/XX/XXXX on one report and XX/XX/XXXX on another. Its also reporting a payment on XX/XX/XXXX. Its been updated falsely in XX/XX/XXXX. Aside from reporting the account as charged off theyve sent the account to collections. ( See attachment ) Please delete account immediately for false reporting.
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Beginning of XXXX I began disputing a XXXX XXXX Account on my credit report and ask for the account to be verified. The account is reporting inaccurately.The account across all bureaus show different account numbers, different loan types, different date of last activity and a variety of other things that I know are a violation. I need this account. All credit companies have not completed the steps ask and I've disputed three times.
Consumer complaint received 2019-08-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MA)

I have been dealing with credit discrimination for many years. I filed for bankruptcy 5 years ago. I recently completed my obligations and my credit score seems to be decreasing. I have friend that are XXXX with the same scenario and they have gotten approved for many loans to include the ones I have been denied. I would like a comparison take with someone of XXXX race making equal amount of yearly income and compare with my situation and see the inconsistencies and blatant discrimination.
Consumer complaint received 2018-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I had a complaint with Consumer Finance Protection Bureau about XXXX XXXX XXXX. XXXX XXXX XXXX promised to change to current never late. Experian changed it to current never late, then Experian changed it back. XXXX XXXX XXXX promised to change to current never late with my complaint with Consumer Finance Protection Bureau. This needs to be changed back on my XXXX Credit Report today.
Consumer complaint received 2023-04-10
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: Experian Information Solutions Inc. (MD)

My name is 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 2020-12-04
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-02-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (OH)

I was going over my credit report and seen FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that are not accurate The FOLLOWING ACCOUNTS ARE NOT MINE : XXXX  XXXX # XXXX, AD ASTRA RECOVERY # 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 2020-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MA)

Experian will not allow me to freeze my credit report online or by phone. They want me to mail my request, including my name, address, social security number, copy of driver 's license, and copy of utility bill ( everything someone would require to steal my identity ). Interestingly, they will allow me to " lock '' my credit report online if I PAY them and subscribe to their Identity Theft Protection for {$19.00} per month. I was able to freeze my credit report with both XX/XX/XXXXand XX/XX/XXXXonline with no problems. Also, I have frozen and unfrozen my credit report at Experian in the past online. I have been living at my address for 7 years. I regularly check my credit reports, including Experian, and I entered the information online the same as it appears on my credit report. There have been no changes to my credit report, such as address, for several years which would require me to verify my identity for Experian. The law requires credit bureaus to freeze credit files within one hour if requested online or by phone. I believe Experian is knowingly violating this law to make it harder for consumers to place a FREE credit freeze, trying to get them to PAY THEM to " lock '' their credit report.. I do not feel comfortable mailing my personal information and should not have to do this to freeze my credit report.
Consumer complaint received 2021-04-27
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. (GA)

This has been my third attempt to rectify this matter. 
I did not authorize, benefit from nor consent to any of the following inquiries. Block and remove them : 1. XXXX XXXX XXXX XXXX, XXXX 2. XXXX XXXX XXXX XXXX, XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXXXXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FULTON FINANCIAL CORPORATION (PA)

On XX/XX/XXXX, I signed a notarized affidavit disputing the bank 's payment of a check. The notary was the supervisor of the XXXX XXXX XXXX XXXX center of Fulton Bank. The affidavit was submitted by e-mail or fax to the supervisor of the XXXX XXXX XXXX XXXX  center, where my Fulton account is located. Check XXXX for {$250.00} was written to the XXXX  XXXX XXXX on XX/XX/XXXX, but that bank never received it. When I requested a copy of the check, it was indicated that the bank paid it XX/XX/XXXX. It was endorsed by someone signing my name though it was payable to XXXX  XXXX XXXX. The endorsement looked nothing like my signature as payer. The supervisor of Fulton 's XXXX XXXX XXXX XXXX, XXXX XXXX, indicated it would be 5 or 6 months until my money would be returned. 

On XX/XX/XXXX, I wrote to XXXX XXXX requesting an update on my dispute. I supplied my mailing address, e-mail address and phone number but received no response. On XX/XX/XXXX, I wrote to CEO XXXX XXXX XXXX of Fulton Bank at the bank 's XXXX, XXXX headquarters to inform him that I thought I should receive better service from his bank.
Consumer complaint received 2022-02-09
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 (NY)

Bank of America is accusing me of withdrawing money off of my checking account money I never even had in my account charging me {$1300.00} I never even had this amount in my account to begin with Bank of America wants me to settle for {$800.00} which Im not going to settle never touched a dime i need this removed immediately
Consumer complaint received 2018-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TN)

I went to go pay my Walmart credit card bill of XX/XX/XXXX a day early than what I was suppose to, when I went to make a payment instead of typing in the correct amount of {$1000.00} she typed in {$12000.00} which was NOT my payment, so I called my bank to cancel the check so they wouldn't take {$12000.00} out of my checking account. They said they would get it all cleared up well I called a few days later to see and they had not gotten it cleared at all, they told me my remaining balance was {$13000.00} dollars so on top of adding the difference between {$1000.00} and {$12000.00} they added a late charge for me not paying my bill on time when I tried to pay it early. It has been a month and nothing has been done but they told me they had lowered my credit limit and that this could effect my credit score. I just want them to accept my payment of what I owed and clear out the charges that THEY added to my card and they said that they only had one person who could fix it in the whole company.
Consumer complaint received 2018-12-11
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harvard Collections, LLC (AZ)

This company Harvard Collection has called numerous times. They are asking for someone who does not reside here now or ever! We have had this phone number 4 plus years and my wife and I are the only people here. 

I have asked nicely for the calling to stop, and to remove our number. I was told two phone calls ago the number will be removed. I see that is not happening. 

Please have them stop, thank you.
Consumer complaint received 2018-12-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC (LA)

XXXX XXXX ( or XXXX  ) with GC Services has call me numerous times, seems like every day. I spoke to XXXX and she indicated she was collecting money of XXXX XXXX. I told her I would pay the outstanding bill by the end of the year, yet she continues to call every day this week. I told her that calling me everyday will not help but she still calls.
Consumer complaint received 2018-12-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (NY)

On XX/XX/2018 and XX/XX/2018, two friends of mine received a call from Navient, the company currently managing my school loans. They ( Navient ) should not be contacting my friends or anyone regarding the status of my loans, especially since I am up to date with payments.