davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX   XXXX   (  same as    XXXX   XXXX   XXXX   XXXX   ) refus es to report my account  XXXX   XXXX   XXXX   XXXX  as settled in full which  it was via    XXXX   XXXX   XXXX   XXXX    (   XXXX   XXXX   XXXX   ).  I filed dispute with you for  XXXX  and Transunion last year. Transunion fixed it, but  XXXX  dispute ( #  XXXX  ) produced NO results  (   XXXX    XXXX   ). Since then I have to dispute this with  XXXX  every month as they take this in and out of my report . Pls review  my previous dispute (  XXXX  ) - THEY ARE THE SCAM! Pls verify with  XXXX   XXXX .    XXXX   XXXX  says that I have another account with them #  XXXX   XXXX   XXXX   XXXX . I do not remember opening that account and I asked them for the proof of ownership. They refused to provide it again, just like with the account above. I asked for dispute of ownership, sent them their papers but they never got back to me. It is also by  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , SD,  XXXX  (  XXXX   XXXX   XXXX   XXXX .     PLEASE HELP ME GET RID IF THIS SCAM ARTISTS. I paid off over  XXXX  in credit card debt and it is all clean except these  XXXX  stupid accounts that I am not liable for.   Thank you  XXXX   XXXX
Consumer complaint received 2015-10-27
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Armed Forces Loans of Nevada Inc. (VA)

Armed Forces Loans of Nevada I contacted them told them I am retired unable to pay. They ignored the situation. Also they keep doing hard inquiries into my credit when I did not give them permission to look on my credit report they do not have authorization. They also failed to abide by the soldier sailor relief act. They are scam artists charge high interest rates and should not be allowed to lend to XXXX ARMED FORCES retired or otherwise. Please force them to remove the hard inquiries and remove all bad reporting.
Consumer complaint received 2022-02-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (IL)

I received a letter of debt collection from CMRE Financial Services , Inc.I do not believe that they are licensed in Illinois . They have an NMLS id ( XXXX ) and are apparently licensed in 11 states, but Illinois is not one of them. I am awaiting additional information from the hospital where this debt is alleged to have arisen. The debt is for {$200.00} and if I owe the debt I will pay the hospital, but CMRE should not be performing debt collection activities if they are not licensed in Illinois. I have also filed a complaint with the Illinois Department of Financial Institutions.
Consumer complaint received 2020-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (OH)

On XX/XX/2020 my US Government stimulus check in the amount of {$2900.00} was deposited into the wrong PNC bank account and the issue is still not resolved and its almost been 5 months! I do not even have an account with PNC Bank. The bank told me they couldnt do anything about it and for me to contact the other name on the account and ask if they would return it, but I think that is outrageous. What if they say no they are not returning the money to me? Am I just supposed to hope that everyone believes in the honor system? No way! The bank made the error and they need to fix it, immediately! I will not take time out of my day to make the phone calls that they are being paid to make.
Consumer complaint received 2016-04-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (MN)

I was checking my credit report to make sure another issue was cleared up and I noticed this {$3200.00} judgment was listed on my report. The creditors are listed as XXXX XXXX XXXX and XXXX XXXX XXXX. The judgment was expunged from my record and should not be on my report. I 'm attaching the order of expungement from the court.
Consumer complaint received 2015-11-21
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

When I sent a letter requesting Midland Funding to validate an alleged debt and provide their Texas license and bonding information ( as required by Texas law ) they not only did not send the information but sent me a letter refusing to validate the debt. A few months later they placed major derogatory information on all XXXX of my credit reports. This ruined an excellent financing opportunity I 'd applied for at about the same time. The specific reason I was declined was due to their recent illegal reporting of a collection.
Consumer complaint received 2015-10-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

Collection agency reporting {$2900.00} as Open Account, & under collection accts ( XXXX ) times on credit report along with Original debtor XXXX also reporting, {$1900.00} as charge off. This is reported XXXX on credit report.
Consumer complaint received 2016-10-10
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (MI)

I submitted forms to conduct a short-sale on my condo in 2010. For over a year, I submitted the required paperwork to Flagstar on a monthly basis. I was told that the entire process would take a year but that I needed to find a buyer. I found a few buyers and submitted the necessary paperwork each month. I get to the end of the process and was told that I one document was missing in my file and that I would have to start the year process again. My house went into foreclosure and has negatively affected my credit in my re-attempt to purchase another home. The original request for a short sale came from my husband 's job relocating us to another state but Flagstar gave us the run around.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (NV)

Please see outlined issue ( s ) below : Improper Handling of Reported Fraud Claim Misapplied Payment ( Date ( s ) Inaccurate ) On XX/XX/year>, I made an outbound call to Fortiva at XXXX. I advised rep of Stolen Card and Identity. I also advised that the suspect had been apprehended. The rep escalated the call to the Fraud Division, who was not very helpful. I subsequently called back on XX/XX/year>, to report the same issue. Again, no representative was willing to remedy the situation. I finally contacted on XX/XX/year>, where the Fraud Supervisor reversed the late payment and returned check fees, and also logged the fraudulent charges It was then that I emailed the supporting documents : Police report Arrest Report Property Recovery Report I was assured that the matter would be handled. I made a {$120.00} payment on XX/XX/year>, via the web portal. I received confirmation via email stating that my payment would not process until XXXX XXXX. This was not my request and was incorrect. As I did not receive said email until XXXXXXXX XXXX. PST, I was not able to call Customer Service to rectify ( they were closed ). I called Customer Service on XX/XX/year>, to ensure I would not be adversely affected by the system issue ( IVR states my account is past due when it is indeed current ), and was met with hostility, lies, and slander. The reps state that I did not submit fraud claim until XXXX XXXX whereas I have documented email and call log proof.
Consumer complaint received 2023-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2021-05-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (IL)

I looked on my credit report and noticed that there is alleged debt that hasnt been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation.
Consumer complaint received 2016-05-03
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Paypal Holdings, Inc (MI)

I had a Paypal account and an additional credit account that was originally called Bill Me Later, was added to my account. These accounts were eventually merged and just became a credit account on my Paypal account. After years of never using it, I received an email from Paypal that a charge was made on my account. Within 24 hours and actually within the same business day, I contacted Paypal via email and phone to tell them that I did not make any charges and any charge made had to be fraudulent. 24 hours later they contacted me to basically tell me " to bad '' stating that I authorized it. I disputed the charge again when the bill came. They again denied the claim providing a tracking number and proof of delivery from the company that made the charge. I investigated the tracking number and not only was the package not delivered, it is n't even for my address, clearly showing the entire transaction is fraudulent. The charge is also from a company that operates outside of the United States, sells illegal products that is totally against Paypal own policy and is clearly a front for fraudulent activity. I provided this information to Paypal and they still refuse to remove the charge when they could have stopped the entire transaction long before anything could have been shipped. They refuse to communicate with me and remove a charge that I have clearly shown is fraudulent and they have left me no other recourse of action that to escalate the situation outside of Paypal.
Consumer complaint received 2015-12-30
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: Supreme Lending (MN)

I had been working for Supreme Lending in XXXX XXXX, MN off XXXX XXXX in the XXXX XXXX building in XXXX 2015- XXXX XXXX 2015. They had shown me how to alter a XXXX after a borrower has signed and dated it, including changing the name and address of the borrower. I know this to be against what is acceptable and so I refused to do it. They fired me shortly after however, they still use edit pro to change XXXX without borrowers consent.
Consumer complaint received 2022-02-01
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. (FL)

Please be advised, Im been a victim of identity theft. The following accounts are all fraudulent. Please see attached Ftc report & my identification. 

XXXX. XXXX XXXX {$4000.00} XXXX. XXXX Now {$7700.00} XXXX. XXXX XXXX {$790.00} XXXX. XXXX XXXX {$140.00} XXXX XXXX XXXX {$510.00} Please see attached clear FTC Report, submitted by myself with no help.
Consumer complaint received 2021-05-21
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo did a bait and switch for a low interest loan. It's an inquiry into our credit which will lower our credit rating and cause us to explain this to future lenders. 

Wells Fargo approached us for offering a loan on an upcoming purchase. They gave us rates over the phone for what we wanted to borrow, and sent us links to apply to it. The rep, XXXX XXXX from XXXX CA, told us in that conversation in midXXXX we'd be able to pay 2.625 % on a {$500000.00} loan for a purchase. It sounded terrific so we started the application to get that submitting our details of accounts and they ran our credit checks XXXX marks against us of course ). 

The pre-approval letter came through with a higher rate at 3.0 % which was confusing. We were reassured again that we will get lower rates and once we had a property to assign it to, then the exact details would match the purchase at the rate we expected, which was now 2.5 %. We were excited about the even better rate and found a place to apply our $ XXXX loan at an amazing 2.5 % rate. We get the purchase agreement in line with the seller and ask Wells Fargo for a pre-approval letter. That pre-approval letter never came. 

We followed up with our rep, XXXX XXXX, as to what the situation was. He now tells us after we gave Wells Fargo our bank statements, our tax returns, pay stubs, W2, etc. that we needed to transfer {>= $1,000,000} to Wells Fargo in order to get that rate. This was NEVER disclosed to us before. We never were told we'd have to transfer all our assets to Wells Fargo to get this loan rate. 
Next, XXXX XXXX tells us that he opened the account ( without our approval ) and can't give us the pre-approval letter we expected because of a so called computer glitch, but to " just get your real estate agent to talk to me ''. 

We have found better lenders but Wells Fargo has caused a blemish on our credit record and have not confirmed that they will close the inquiry to help repair the damage to our credit scores.
Consumer complaint received 2016-10-07
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

Essentially I have over {$5000.00} dollars in a paypal account. I have been selling XXXX as well as buying XXXX for several months. Suddenly, after receiving a larger payment from a well known XXXX, my paypal account was suddenly limited. The language as to why was not clear, just that they wanted me to explain where money was coming from and that they suspected fraud. Once I had told them of my business and even to look at see what I have sold on eBay, they immediately gave me a permanent limitation with no explanation as to why. I was never allowed even to appeal nor to dispute based on the vague language given. Subsequently, another paypal account I had also have had for many years was also suddenly limited, for being " related " to that account. In totally paypal is holding approximately {$8000.00} USD of my money. There seems to be nothing I Can do.
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

Several accounts on my credit report are fraud opened account. Please look at the attached documents. Equifax will not remove the fraud accounts even though I have provided proof. Please delete this stuff.
Consumer complaint received 2016-04-05
Product: Credit card — 
Issue: Billing statement — 
Company: Paypal Holdings, Inc (IL)

PayPal Credit is practicing deceptive lending practices by not including on their monthly statement any indication of how " Standard Purchases '' are paid when you have a Promotional Balance and paid the " Amount to avoid Standard and Deferred Interest on your next statement '' each month. I was told by " XXXX XXXX '' ( a supervisor with PayPal Credit ) that their policy is to pay the next promotional balance with the " Amount to avoid Standard and Deferred Interest on your next statement '' and not the " Standard Purchases '' in a given month. They then roll the " Standard Purchases '' onto the next statement and do n't charge interest ( because you paid the " Amount to avoid Standard and Deferred Interest on your next statement '' ) - BUT do n't show this rollover of " Standard Purchases '' on the next month 's statement, they just bundle it in the line item " Standard Purchases '' under " INTEREST DETAILS '' making it impossible for the consumer to see where the extra amount is coming from. i.e. the " Account Summary '' shows " Purchases & Adjustments '' ( supported by the line item detail under " CURRENT ACTIVITY '' ) and on the next page, under " DEFERRED INTEREST CALCULATION '' they list the " Promotional Balances '' expiring in the statement month - but they do n't ( and he said their policy is to never show ) the amount of last month 's " Standard Purchases '' rolled over detail on any statement -- because " our language on the statement regarding " Amount to avoid Standard and Deferred Interest on your next statement '' only reflects how Interest is handled - not how payments are applied ''. 

This policy makes it so the consumer is unable to reconcile the amount being paid for " Standard Purchases '' with the " Amount to avoid Standard and Deferred Interest on your next statement '' - which leads to the consumer 's inability to predict how much they will need to pay in any given month " to avoid Standard and Deferred Interest on your next statement ''. 

" XXXX XXXX '' agreed that this was confusing, and he offered to raise my concern with his management - but everyone needs to understand that this practice makes it impossible to budget in advance for paying for non-promotional purchases and promotional balances and you have to wait each month to see the " secret '' " Amount to avoid Standard and Deferred Interest on your next statement ''. I was able to handle the surprise this time around - but it certainly could cause someone to be tricked into not being able to pay off their promotional balance in advance and avoid interest charges.
Consumer complaint received 2015-07-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (OR)

I submitted disputes with all XXXX credit bureaus on XXXX XXXX, 2015 regarding incorrect information on my credit report. The only response that I received was from XXXX and it was a letter stating that they believed they received a suspicious request regarding information on my personal credit file. I followed up with XXXX and was told to submit another dispute. I submitted another dispute on XXXX XXXX, 2015, addressing the lack of response from Equifax and XXXX and also addressing the letter from XXXX regarding the information I was disputing. I still have not received a response from any of the credit bureaus with regards to the results of their investigations and it has been well over 30 days.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never stepped for this dealer that caused these inquiries and they are all fraudulent by the cause of identity theft. These inquiries have been affecting me for months but they are not mine, I would like them to be gone as soon as possible.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and Equifax through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation
Consumer complaint received 2023-03-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (FL)

I had a TD Bank checking account for 13 years which was impacted by fraudulent and unauthorized ATM debit card transactions charged to my checking account as described in the attached secure messages. Specifically, my checking account was charged around XX/XX/2022 for multiple debit transactions despite the fact that I never used my debit card, I had my card locked away safely under my sole control yet TD Bank authorized various Online purchases without my name, address, expiration date, 3 digit security code and other security features. Obviously, a hacker just guessed at a random debit card number which TD Bank accepted without the other requirements or, worse, a bank wide hack exposed my account data. My checking account was wiped out and I never received my requested explanation on how this fraud could happen in light that my card was never used and locked away safely. I was forced to clause my checking account as I lost faith in internal controls XXXX XXXX Bank. I request that the CFPB investigate how this could happen and how the subsequent events caused me irreparable harm by the lack of customer action to fix issues.
Consumer complaint received 2022-08-16
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: Lockhart, Morris & Montgomery Inc. (PA)

I've tried multiple times to have this removed from my credit report and have gotten nowhere with these companies. Saying I owe money for my commercial driver 's license that I've had long before any of the dates started thats associated with this account. My cdl-a license on XX/XX/XXXX from XXXX XXXX Who in the right mind would pay for training that they've had prior. It's absurd. I feel discriminated on because I'm half XXXX half XXXX XXXX XXXX. Furthermore this is a violation to my right to privacy. I've never given permission to anyone to pull, post, browse, or do anything involving my credit reports for XXXX, XXXX, and XXXX. I would like for this to be taken off all three bureaus. XXXX people everywhere. I can't by a can't buy a car, house, or anything of value with this XXXX on my credit report for on account XXXX lockhart, morris, and Mont. Dated on XX/XX/XXXX. Remember I got my license before that date above.
Consumer complaint received 2021-03-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P. (VA)

A random negative account for XXXX XXXX XXXX XXXX showing a {$1100.00} debt appeared on XXXX credit report. Absolutely no communication with company on their part has occurred. Disputed in XXXX