davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-30
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: Innovis (NJ)

Innovis has been told several times that the XXXX account ending in XXXX was opened fraudulently. In spite of this, the company has reinstated the account on my report. However, the credit grantor has removed this account as fraud from my report. Innovis must not report any XXXX  account opened in the date of XXXX XXXX. If innovis reports another XXXX account opened in XXXX XXXX, I will sue for violation to the Fair Credit Reporting Act.
Consumer complaint received 2018-01-11
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: Ad Astra Recovery Services Inc (TX)

Completed online dispute with the credit reporting agencies on XX/XX/XXXX. Currently still showing the disputes are in progress to-date. Below are the accounts that are in dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX {$480.00} AD ASTRA RECOVERY SERVIC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX {$1200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX {$100.00}
Consumer complaint received 2022-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had a {$300.00} limit credit card with Capital One that was charged off in 2018. The debt was sold to a XXXX party debt collector. My credit report still shows the account with Capital One, with a new entry for non payment added every month. When I try to contact Capital One by phone I am transfered to a voice-mail for what I assume is the XXXX party debt collector as soon as I enter identifying information. I am not able to speak with anyone at Capital One. Since Capital One no longer owns the debt I believe my credit report entry showing a balance with Capital One is in error. Please assist in addressing this matter, as this entry on my credit report has made it impossible to rent an apartment despite having sufficient funds.
Consumer complaint received 2021-08-13
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. (DC)

I sent letters to the XXXX XXXX XXXX XXXX XXXX and the credit department via certified mail on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I sent emails directly to the XXXX XXXX XXXX, XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. 
I have had excellent payment history, but I have two late payments in XXXX that are severely hurting my credit because they are considered recent. However, I have done further research and found that these late payments are inaccurate. 

I have been begging for deletion since I was admitted into the XXXX XXXX at my local hospital for a severe condition that almost took my life. I could not support my family and while in the XXXX  in XXXX XXXX I lost my job. And even still, I was a loyal customer and ever worst according to my records I did make payments for XXXX AND XXXX of XXXX yet they are reporting two late payments that have irrecoverably damaged my credit score I made ACH payment of {$20.00} on XX/XX/XXXX, {$60.00} on XX/XX/XXXX, and {$20.00} on XX/XX/XXXX
Consumer complaint received 2021-09-09
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (GA)

We leased a XXXX XXXX XXXX XXXX. The lease ended in XX/XX/XXXX. We bought the car for over {$20000.00}. We filled out the forms and the odometer statement. Hyundai Motor Finance said we will receive the title in 30 days. End of XXXX no title, XXXX no title. Called multiple times and they said they sent it and we will receive end of XXXX. Never came. In XXXX called again. They said they sent but we never received. They said they would send a letter for release of title federal express we could take to the DMV. We waited all of XXXX and nothing came. Called again beginning of XXXX. They said we will send a release of title XXXX  XXXX on the XXXX. NEVER CAME. We have now gone 5 months with no title. We need help. Hyundai should not be allowed to not fulfill their obligation to customers who buy a car from them. Since this has happened I have researched on the Internet- this is happening to thousands of customers. 

XXXX XXXX XXXX
Consumer complaint received 2017-07-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TENET HEALTHCARE CORPORATION (NC)

I am attempting to pay off the debts I have that are negative marks on my credit. In looking at a medical bill collection I noticed that under XXXX my medical debt is listed under Syndicated Offices for XXXX $ but it 's listed on XXXX under Central Financial Control for the same XXXX XXXX I never received any collection notifications in the mail or by phone call from either of these collection agencies. How do I know that these companies are one in the same? Why are they listed as two different businesses? How do I know that offices in California have a right to collect for North Carolina? <P/>I did research and it said that they had to provide over XXXX $ XXXX to people in California. It just seems very odd to me and I want to make sure this debt is actually mine and not some type of fraud.
Consumer complaint received 2021-06-29
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: SYNCHRONY FINANCIAL (NY)

the following account is appearing on my credit report without any authorization, it does not belong to me, it is hurting me dentity Theft SYNCB/XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

I Paid Off The Credit Card I Had With XXXX XXXX Earlier This Year. The Agreement Was Pay For Deletion. Even though The Transactions Where Fraudulent And I Reported That Several Times With XXXXXXXX XXXX. I Paid The Full Amount To Remove The Credit Card From My History And It Is Still There.
Consumer complaint received 2018-01-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

Shellpoint Mortgage is in violation of CA Homeowner Bill of Rights and is illegally trying to inflate property values to deny homeowner legal rights to avoid foreclosure. 

At issue is the Shellpoint illegally refusing to acknowledge market conditions and property damage which directly affects the value of homeowner property. Homeowner is trying to sell the property to avoid foreclosure. CA Homeowner Bill of Rights requires lenders and servicers to work with homeowners to avoid foreclosure. By illegally disregarding hard facts about property condition and the fact that this property has been on the market for 238 days with multiple offers that has fallen out due to property condition they are in fact breaking the law by not taking those issues into consideration. 

Shellpoint is requiring an unreachable and unreasonable price of XXXX for the sale of this home. We are keeping a record of this dispute and will have the option to use this as a record for any potential class action law suits if Shellpoint forecloses and lists this property for sale for anything less than XXXX. This property is NOT worth XXXX and Shellpoint has plenty of facts to back up the true value of the property including recent sold comps and bids for repairs needed for this home but Shellpoint refuses to take that information into consideration. By illegally inflating the property value, failing to realize that a property marketed for 238 days in an area that has an average DOM of 60 days they are acting as a foreclosure mill. Only interested in foreclosing not adhering to CA law in helping avoid foreclosure or working in the standards of real estate law in marketing a property. This is illegal and Shellpoint must immediately cease and desist their foreclosure mill process.
Consumer complaint received 2022-02-15
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: EQUIFAX, INC. (FL)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2018-03-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

Upon working on our taxes on XX/XX/XXXX, we discovered 32 withdrawls from our checking account, to XXXX XXXX, on the dates of XX/XX/XXXX and XX/XX/XXXX, totaling {$380.00}. 
I did some research and looked at all of our households XXXX IDs. I found the charges for in-app purchases for the game called XXXX XXXX XXXX 2 over a three day period from XX/XX/XXXX- XX/XX/XXXX. I believe these purchases were accidentally made by my XXXX year old son. These purchases were unauthorized and quite excessive. I did not receive notification or emails regarding these purchases, nor did my bank flag these purchases as possible fraud. 
As soon as I discovered these unauthorized purchases, I contacted XXXX to ask for a refund. The XXXX rep, XXXX, tried to reverse the charges but said she could not do it because it had been more than 90 days. She recommended that my bank might be able to help me. I called my bank and they were unable to help me, since they said they tried to do a chargeback to XXXX, but that this would not work as it has passed the 60 day period that XXXX guarantees. I contacted XXXX XXXX, developer of XXXX XXXX XXXX, which had the hidden in-app purchases. XXXX XXXX  told me they can not help me, and only XXXX can help me. 

No one will help refund my money and I feel like this was excessive, fraudulent, unauthorized ... 32 charges to my bank account over 3 days, at almost {$400.00}.
Consumer complaint received 2021-02-20
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. (NJ)

To whom it may concern, I was going over my credit report in the past few days. Today is XX/XX/XXXX. I have noticed a bunch of fraudulent activities I do not recognize. I tried calling some of these companies and have gotten the run around and basically told to dispute with transunion. I called trasunion a few times to get these items removed but never a live human on the telephone. They have given me 34 hard inquries. Only a handful of these are accurate. Going forward I am changing all my passwords and stuff so this does not happen again. Here are all the ones that are inaccurate that I need off my credit report. I will even attach four screen shots from my XXXX XXXX account so you guys can see. All of the following was never authorized by me XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been disputing this XXXX  auto loan account for years now. I previously demanded that the CRA delete the late payments from my account. But the CRA have failed to do so, the CRA is now liable for the following FCRA violations as follow : 15 USC 1681 : 1. Failure to provide fair and equitable information about the consumer 15 USC 1681a : 1. Failure to provide copy of credit file 2. Included specific factual information 3. Included approval of a specific extension of credit 4. Fail to do a proper investigation 15 USC 1681b : 1. Failure to follow my written instructions as the consumer in the previous letter I am once again demanding you delete the late payment from the above account.
Consumer complaint received 2018-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

XX/XX/XXXX my husband sold equipment for the amount of XXXX $ at the time we had two separate accounts he transferred that money electronically to my account later we ended up combining both accounts. XX/XX/XXXX I noticed a error message showing on my online statement error message showing negative XXXX $ .I contacted Wells Fargo an stated that the person that initially deposited the cash amount of XXXX $ was a error and was deposited into the wrong account. My husband has proof of sale. Wells Fargo never contacted my husband or myself of this allegation the money was taking out of our account without authorization. Wells Fargo has neglected us as customers we feel violated and my husband identify has been compromised.Wells Fargo has  failed to identify what error took place or how And when the money was taken its been over 3 weeks and Wells Fargo can not give me an explanation on how this occurred..
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX this complaint. The stuff on my credit report is wrong 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 2018-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (CA)

I opened a Wells Fargo Platinum credit card with an initial credit line of {$7500.00}. 
I made charges of {$7500.00}. 
I set up through Wells Fargo 's mobile app a linked checking account from XXXX XXXX XXXX. 
I got my bill, and set payment of {$1500.00}. My XXXX checking account was debited {$1500.00}. 
A couple of days later I went to use the card, and was told I was at my credit limit. 
I called Wells Fargo, they said they were holding the funds before crediting the account. They held the funds for over a week before crediting the account, even though on my Wells app it showed I had {$1500.00} of credit capacity. The Wells rep stated if I had a Wells Fargo checking account the credit would have occurred immediately after the ACH hit. But since I was not with Wells, the funds from the ACH were being held, and not credited. 
The representative was strongly suggesting I now open a Wells account so I would not be penalized with having my funds held. 
I told them, no, thank you, I have never heard of this sort of practice and I would pay off the account and close it. 
I went to the app to pay off the remaining {$6500.00}. I entered the amount, selected my XXXX checking account as the funding source. The app told me they could not process the transaction. 
I called Wells, and was told they will only process {$5000.00} in payments, and I could not pay off the account from the Wells Fargo app. 
I asked if they could do it over the phone, and they said this one time they would do it. 
I closed the account. 
Not allowing someone to pay off a balance, unheard of, and think of what it could lead to : Increased interest, as it is calculated daily, increased fees, if you are not allowed to pay your balance off, etc. etc. Wells Fargo has been a bad actor for some time, and they are back at it and this time, given what just happened, the penalties need to be far more serious. They have not learned from the errors of their ways, and should be severely punished.
Consumer complaint received 2018-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

As of XXXX XXXX, XXXX, XXXX continue to be denied access to information per the Real Estate Settlement Procedures Act ( RESPA ) regarding my deceased parent 's home from XXXX XXXX XXXX XXXX, and more specifically, Select Portfolio Servicing , IncXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX My mother XXXX XXXX in XXXX XXXX and my father XXXX XXXX in XXXX XXXX. Their estate is insolvent and therefore, mortgage payments could not be made by the estate. The mortgage is currently in default. 

Shortly after my father 's passing, I timely initiated communication with XXXX XXXX XXXX XXXX and informed them of the situation. On XXXX XXXX, XXXX, I received notification from Beneficial stating, " Based on the documentation provided by you, or on your behalf, XXXX XXXX XXXX XXXX, acknowledges you as being responsible for the borrower 's estate. Our records have been updated to reflect this information. We are committed to facilitating communication with you regarding the borrower 's mortgage loan account and will work with you whenever possible. '' I forwarded this documentation to Select Portfolio Servicing in an effort to continue home retention option communications and successor in interest obligations, which was previously approved by XXXX during our communications. I was then later notified by Beneficial that my father 's loan was transferred to Select Portfolio Servicing , Inc. effective XXXX XXXX, XXXX, and subsequently transferred to XXXX XXXX XXXX XXXX by XXXX XXXX XXXX XXXX, XXXX. XXXX did state that all documents regarding communications, negotiations, modification requests, etc. would also be transferred to SPS without interruption. 

Numerous requests to Select Portfolio Servicing, XXXXnc ( SPS ), including a Qulified Written Request, has been responded to with time delaying, strategic, " cookie cutter '' requests for me to get authorization from my deceased parents allowing me to speak with them regarding their account. However, they are sending notifications for my parent 's estate and myself to my personal home address. I was utterly disgusted by the telephonic conversation I had with a female representative of SPS on XXXX XXXX, XXXX regarding this matter. She was unresponsive, rude and unprofessional and did not even remotely attempt to resolve my issue or address my concerns. This is the well documented reputation of this company, past and present. There failure to adhere to the Realestate Settlement Procedures Act ( RESPA ), as well as New York State policies and procedures regarding any successor in interest of a deceased borrower is unconscionable and inexcusable. I can provide documentation for all or any of my communications for both XXXX and SPS.
Consumer complaint received 2017-12-30
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. (FL)

I sent the credit reporting agencies XXXX and EXPERIAN as well the COLLECTION AGENCY XXXX XXXX XXXX XXXX, and the alleged creditor XXXX XXXX XXXX  certified documents in refrence to an alleged debt, stating per federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standardsof practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim. per law any defiient of substantial and evident matters of facts would be unethically reported and  even illegally reported. My state and federal laws alike agree that neither willful nor ignorant disregard is acceptable so I demand here today RIGHT NOW, that the allegatuions in challenge be eradicated in full or else wise demostrated in its entirely to be compliant in every aspects of its reporting. to retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The curentlyunfounded and even not certified true or correct misinformation of such is misreporting is as follows and must be deleted immediately so please do so with delay.Alleged Reporting data Provider, Collection Agency: XXXX XXXX XXXX XXXXOriginal Creditor: XXXX XXXXNot Proven Compliant Account: XXXX** THE ORIGINAL CREDITOR XXXX XXXX HAS NOT  RESPONDED TO MY REQUEST,AND XXXX XXXX XXXX FAILED TO MEET MY REQUEST. (PLEASE SEE ATTACHMENTS) ..
Consumer complaint received 2021-08-13
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: FORD MOTOR CREDIT CO. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2019-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Multiple accounts that are incorrect are reporting on my credit reports 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