davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (GA)

I lived at this complex for 5 months and they are now trying to collect money for damages I did not do. The only damages to this unit is the damages I constantly complained about and was never repaired. There is no truth to this whatsoever. I should not have had any of these issues for the amount of money you pay for these overpriced projects and all the outrageous fees they tack on to the base rent. How can people survive paying excessive fees which is always {$100.00} plus more dollars a month. I just can't and will not reside under these conditions.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm writing to express my concern about certain information in my credit profile. It seems there might be inaccuracies, and it's crucial to follow credit reporting laws that require entirely accurate credit information. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX XXXX - Original Creditor : XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}
Consumer complaint received 2018-03-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MN)

I used XXXX connected to my Wells Fargo online application to purchase concert tickets. The first occurance was on XXXX which I was supposed to receive 3 tickets for XXXX. I didnt receive the tickets at all and the guy claimed they were sent to his account but his brother had switched something around so he was unable to receive the funds. His name was XXXX XXXX. He gave me a XXXX account with a different name but I declined to send him more money as Wells Fargo saw that XXXX XXXX XXXX received the {$180.00}. Today I was trying to purchase tickets and was asked to use XXXX to transfer {$100.00} for 2 tickets. I was apprehensive so we agreed that he would send the tickets after I sent him {$50.00} and then once I received the tickets I would send the other {$50.00}. I sent him the {$50.00} and XXXX XXXX  received it. His name was XXXX XXXX. He hasnt responded to any of my calls or texts and wont send the {$50.00} or provide the tickets we agreed on. Wells Fargo, XXXX XXXX XXXX, and XXXX should not use XXXX for its customers as their is no consumer protection. I have filed a police report with the city of XXXX XXXX, Minnesota. I would like Wells Fargo to return my funds immediately, as there are no safeguards in place to prevent more consumer scams just like this. Please help
Consumer complaint received 2018-03-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Blackhawk Network Holdings Inc. (IL)

- XX/XX/XXXX Purchased two XXXX prepaid card each with {$500.00} value in it at XXXX - Card arrived but they don't work. Can't make purchase any retail or online stores, like XXXX, XXXX, XXXX XXXX and so on. ( The original not-working prepaid card is attached ) - XX/XX/XXXXFirst replacements request. The replacements didn't arrive. 

- XX/XX/XXXX 2nd replacements request. The replacements didn't arrive. 

- XX/XX/XXXX Requested refund, and the agent said that it may take up to 30 business day and two checks of {$500.00} values supposed to be issued by XX/XX/XXXX at latest. The agent name is XXXX and she said she is the only female supervisor there. 

- The missing replacements of the original XXXX prepaid card arrived but already invalidated due to the request of refunds. 

- Never received any checks. 


The ticket number with this issue is TICKET # XXXX
Consumer complaint received 2021-02-28
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I did not give my consent to run my credit for the following companies. 

1. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX, CA XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

2. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

3. 
CAPITAL ONE FINANCIAL Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

4. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

5. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

6. 
CAPITAL ONE FINANCIAL Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

7. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Consumer complaint received 2018-02-28
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: National Auto Lenders, Inc. (GA)

NATIONAL AUTO LENDERS INC HAVE FAILED TO VERIFY THIS ACCOUNT ON XX/XX/2017. SO NOW IM ASKING FOR THE BELOW ITEMS OR THIS ACCOUNT IS FRAUDULENT PLACED IN MY NAME. I MY ALSO MAKING THIS REQUEST TO MEMBERS OF THIS FLORIDA CORP. ATT TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX 

1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.

9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.

10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.

13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.

14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

15. Provide verification from the stated creditor that you are authorized to act for them.

16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.

Disputing the Debt,
Consumer complaint received 2020-08-25
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COAST PROFESSIONAL INC (UT)

Coast Professional again has sent a letter dated XX/XX/2020 demanding an alleged debt to be paid. I have filed several complaints with the CFPB and XXXX, requesting Coast Professional contact the XXXX XXXX police department to get more detailed information as the debt they are claiming is a direct result of identity theft and fraud. XXXX XXXX XXXX college failed to contact the local police department as well, as I never received any form of payments nor requested funds from XXXX. If there was any debt in my name it was due to fraud. I have sent Coast professional police reports to understand the situation I gone through. I am seeking immediate cease and desist of all contact and removal of this debt from my name. If you haven't completed a detailed investigation by contacting the police department retrieving police reports then you as a company haven't done your job under the FDCPA. This is a willful and direct violation. Im attaching another detailed report that list accounts compromised and stolen and used without my permission. MARKING THIS COMPLAINT AS AN DUPLICATE and ignoring your duty as a debt collector, I will seek damages in THIRD DISTRICT COURT!
Consumer complaint received 2021-06-01
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I submitted a payment dispute with Bank of America for an airline ticket that I had purchased. In XX/XX/2021. In early XX/XX/2021, the airline had canceled my reservation and that my ticket should now be considered void and informed me that I was due a refund. To date I have received no such refund. The relevant dates and details on the fact pattern are below : On XX/XX/2021, I purchased an airline ticket through XXXX on XXXX XXXX. 
On XX/XX/2021, I received an email from XXXX stating that my ticket had been canceled by the airline and should now be considered void. The email further stated, Refund processes have now begun to be processed back for affected tickets to the original form of payment used to make the booking. You should receive your refund as soon as possible. 
After receiving the email, I contacted both XXXX  and XXXX, which each informed me to contact the other party with questions about this refund. 
Around XX/XX/2021, I submitted a dispute with Bank of America because I had not received the promised refund. 
On XX/XX/2021, I received a letter dated XX/XX/2021, stating that my dispute was being declined because it was a situation involving a merchants return policy.
Consumer complaint received 2018-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (CA)

This company Diversified Consultants has called me non stop everyday and night and they have a collections mark on my credit, they are claiming I owe them an amount of {$420.00} when Ive never done business with them, and have no agreements nor acceptance to any relationships with them. I had the amount of {$420.00} paid off with the original company XXXX XXXX in which they claim I owe. This collections or derogatory mark they have placed on my credit is a false accusation. I will upload receipts to show proof.
Consumer complaint received 2020-11-23
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. (OR)

Today, XXXX/XXXX/2020, I receive an alert that my credit score tanked by XXXX  points from a {$190.00} medical bill I somehow missed. I paid it immediately. Over a year of working diligently to get my score up, watching it slowly. CRAWL up a couple points at a time ... one mistake and it tanks XXXX points?! In XXXX I paid my ONLY debt down from {$7000.00} to {$3500.00}. My credit score went up XXXX points. I owe XXXX and it plummets by XXXX points?! This is ridiculous and a SCAM! I am at the mercy of these agencys formulas and have little to no control over how my data is used! Who is holding these agencys that make a profit off of our data accountable? When looking at the different categories on the credit score, like on time payment percentage, available credit, credit inquiries and amount of debt, I have either Good or Excellent ( higher amount of excellent than good ) in all categories and yet my score is below average? Something needs to be done and some serious REFORM needs to take place. Thank you for passing my complaint ( rant ) on to anyone who will read it. # XXXXbyEquifax
Consumer complaint received 2021-07-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

IVE HAVE SENT SEVERAL COMPLAINT LETTERS, NO REPONSES BACK OR RESULTS I CALLED SEVERAL TIME AND IVE BEEN TOLD TO WAIT AND IVE WAITED TILL NO RESULTS FTC REPORT WAS SENT ALONG WITH MY COMPLAINTS ASWELL, THESE INCORRECT ITEMS ARE EFFECT MY LIFE TREMENDOUSLY
Consumer complaint received 2021-05-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (TX)

I initialed a wire of XXXX dollars on XX/XX/2020, and its lost. My receiver never got it. Its was simply a money repay and I provided these information so many times. I sent at least 50 chase message to the investigation team and they wont even track the money for me. They just keep giving me nothing important messages, and not helping alt all.
Consumer complaint received 2022-08-10
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC (MO)

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
Consumer complaint received 2021-05-31
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: PENTAGON FEDERAL CREDIT UNION (NC)

ACCOUNT ON CREDIT FILE AS PENTAGON FEDERAL CREDIT UNION THAT NOT MINE AND ITS FRAUD! IM NOT MILITARY OR HAVE ANYONE IN MY FAMILY AS MILITARY SO HOW COULD I EVEN GET A MILITARY CREDIT CARD! I HAVE FILED A POLICE REPORT AND FTC REPORT AND I CONTACTED THIS CREDIT UNION SEVERAL YEARS AGO AND TOLD THEM THIS ACCOUNT ISNT MINE AND CONTACTED PENTAGON FEDERAL CREDIT UNION WHEN THE INQUIRE WAS MADE ON XXXX  AND TOLD THEM THIS ACCOUNT WAS FRAUD AND THEY SAID THE ACCOUNT THAT WAS ISSUED UNDER MY CREDIT WILL NEVER BE ISSUED OR CANCELLED. THEY LIED
Consumer complaint received 2018-03-02
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: CITIBANK, N.A. (FL)

On XX/XX/2018 I received a notification that I gained a new hard pull from XXXX XXXX XXXX. I never authorized this bank to look up my credit information, nor have I ever heard of them.
Consumer complaint received 2021-12-08
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 — Was not notified of investigation status or results
Company: I.C. System, Inc. (OH)

I am very upset with this issue. I sent a letter to the Collections agency regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2021-02-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc. (CT)

XX/XX/2021 Professional Debt Mediation, has placed two ( 2 ) accounts on my report and they are duplicates with different amounts and false amounts. Inaccurate information is being reported on my credit report from this co.
Consumer complaint received 2021-07-19
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 — Investigation took more than 30 days
Company: Fidelity National Information Services, Inc. (FNIS) (MI)

IVE HAVE SENT SEVERAL COMPLAINT LETTERS, NO REPONSES BACK OR RESULTS I CALLED SEVERAL TIME AND IVE BEEN TOLD TO WAIT AND IVE WAITED TILL NO RESULTS FTC REPORT WAS SENT ALONG WITH MY COMPLAINTS ASWELL, THESE INCORRECT ITEMS ARE EFFECT MY LIFE TREMENDOUSLY
Consumer complaint received 2018-03-02
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. (CO)

XXXX XXXX XXXX has claimed that Account ending in XXXX has been charged off {$2900.00} I have requested that they send me validation that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay them. Letters were sent on XX/XX/18, XX/XX/18. At the time these credit cards were opened, i had just gone through a XXXX Bankruptcy and did not open new cards. These cards must have been opened fraudulently and against my name and without my approval.
Consumer complaint received 2021-12-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I signed up with our mortgage service company Select Portfolio Servicing , Inc. ( SPS ) for what I thought was a forebearance program where they would move missed payments to the end of our mortage. We were approved XX/XX/2021. Several of our missed payments seem to have been moved to the end of our mortgage ( {$32000.00} ). 
But for reasons I don't understand and was not informed of, SPS seems to have stopped moving our missed payments to the end of our loan. Instead we received basicially a balloon payment order from SPS ( XXXX XXXX, 2021 ). In their Repayment Plan we were to pay {$9100.00} over XXXX  months starting in XX/XX/2021. This is a huge payment and way beyond our ability to pay. We are retired and on a relatively fixed income ( I'm XXXX XXXX XXXX, my wife XXXX is XXXX ). 
According to your regulations, due to XXXX, SPS should allow us to " resume regular payments and move any missed payments to the end of the mortgage ''. SPS refuses to do this. What can we do? Do we have any legal recourse or remedy? Can you please help us?. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, www.spsservicing.com
Consumer complaint received 2021-07-19
Product: Credit card or prepaid 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: CITIBANK, N.A. (TX)

XX/XX/XXXX I ordered a {$3900.00} product from XXXX. product was promised to be delivered by end of XX/XX/XXXX. It never showed up, so I worked with them for over a month to get a delivery date. They kept giving me the run around so finally I cancelled and was promised a refund by the company. They never refunded me and eventually stopped responding to my messages or answering calls. I disputed charge with visa in XX/XX/XXXX. They gave me a conditional credit while trying to resolve with XXXX XXXX. XX/XX/XXXX they reversed the credit and closed the dispute as unresolved bc they didn't get the proper documentation. Immediately I re opened the dispute, provided documentation that XXXX XXXX  order was cancelled and I was promised a refund by them but as of XX/XX/XXXX the credit card company still refuses to give me my money back and closed the dispute again. ALL INFORMATION ON THE XXXX INDICATE THE COMPANY DID THIS TO ALOT OF PEOPLE AND CLOSED THEIR DOORS.
Consumer complaint received 2020-11-23
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. (CA)

These accounts were disputed with XXXX and Experian but they have not been removed. These accounts are 100 % fraudulent. 

Account Name XXXX XXXX Account XXXX Account TypeCollection ResponsibilityIndividual Date XXXX Account TypeCollection ResponsibilityIndividual Date XXXX StatusCollection account. {$740.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXXXXXX XXXX Balance {$740.00} Balance XXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Original Balance {$740.00} Highest Balance {$0.00} Terms1 Months On Record UntilXXXX XXXX Account NameXXXX XXXX XXXX  Account XXXX Account TypeCredit card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$1000.00} written off. {$960.00} past due as of XX/XX/XXXX. 
Status UpdatedJun XXXX Balance {$960.00} Balance XXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Credit Limit {$800.00} Highest Balance {$1000.00} TermsNA On Record UntilXXXX XXXX Account NameXXXX Account XXXX Account TypeCharge Card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
Status UpdatedAug XXXX Balance {$1200.00} Balance XXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Credit Limit- Highest Balance {$1400.00} TermsNA On Record UntilXXXX XXXX Account NameXXXX XXXX XXXX XXXX Account XXXX Account TypeUnsecured ResponsibilityIndividual Date XXXX StatusTransferred, closed. {$0.00} written off. 
Status UpdatedJan XXXX Balance- Balance Updated- Recent Payment- Monthly Payment {$0.00} Original Balance {$2500.00} Highest Balance {$0.00} Terms24 Months
Consumer complaint received 2021-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (SC)

I filed a complaint with CFPB case # XXXX. XXXX XXXX responded to consumer and CFPB stating that the bankruptcy had been removed. Equifax, XXXX, and XXXX all responded saying that they had verified the information with XXXX XXXX. XXXX XXXX is saying that they have not heard back from Equifax, XXXX, or XXXX  during the entire investigation process.