davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (GA)

I HAVE BEEN SENDING LETTER BECAUSE IN XXXX I CANCELED THE ACH PAYMENTS AND SET UP BILL PAY AT MY CREDIT UNION. NO ACH CAME OUT FOR 3 YEARS. THEY GOT ALL THE PAYMENTS OF {$200.00}. PER MONTH ON TIME AND WE WERE EVEN PAID AHEAD FROM MY CREDIT UNION. THEN IN XX/XX/XXXX SLS DECIDED TO TAKE OUT {$200.00} AND SAID IT WAS FROM MY ACH. I NEVER SET UP AN ACH OF {$200.00}. THE ACH I WAS PAYING AND THEN CANCELLED WAS {$200.00}. EVEN. BECAUSE OF MY PAYMENT FROM THE CREDIT UNION AND ACH PAYMENT COMING OUT I WAS CHARGED AN OVERDRAFT FEE AND I WANT SLS TO RETURN MY {$25.00}. OVERDRAFT. THEY KEEP SAYING I AUTHORIZED ACH, BUT I KEEP EXPLAINING IT WAS CANCELLED AND THE PROOF IT WAS CANCELLED IS THE FACT THAT IT DID NOT COME OUT FOR 3 YEARS.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Please remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize these accounts, and I have no knowledge of their origins. According to USC 1681g, I am requesting their removal within the next 15 days. Attached are the relevant documents for your review and reference.
Consumer complaint received 2022-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MO)

I paid my bill on the due date ( XX/XX/XXXX ) and noticed an increase. when I looked at my statement online, I noticed a charge for a shortage. when I called to enquire about it the first person told me I had a reevaluation of escrow, and it was short XXXX dollars. when I asked about how this happen as my loan was modified in XX/XX/XXXX. I was told it was reevaluated in XX/XX/XXXX. And my insurance had increased. My insurance was paid in XX/XX/XXXX, i was XXXX dollars short. After asking to speak to a XXXX, the discussion revolved around my escrow. I was told I basically had to have double the amount of a payment in escrow. I did in XXXX but was told I still had to pay XXXX. An escrow XXXX was placed on the line. He told me I hadn't been paying the full amount of escrow and I was short over for XXXX different time lengths, {$210.00} for XX/XX/XXXX to XX/XX/XXXX, {$320.00} for XX/XX/XXXX to XX/XX/XXXX, and {$210.00} for XX/XX/XXXX to XX/XX/XXXX. 
I was told after doing a home preservation package and making the required XXXX a month payment for XXXX  months, my payment would be XXXX Dollars. I asked different representatives several times if any other charges were required and was told no I was " caught up '' with my new mortgage. I have made the payments in good faith on time since. As far as I can tell i am behind about XXXX dollars. I was told by the escrow expert that home preservation and his dept are different and they didn't get payments from them which is confusing to me. I thought it was the same lender. 
I was told that it was divided into XXXX monthly payments but this same thing could happen next years and result in more hidden payments so I will always be paying fees I wasn't informed of. during the loan process
Consumer complaint received 2020-10-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (OH)

Not my account and unaware of it. Did not receive any mail to dispute account. Please provide method of verification, validation of debt and assignment of debt for this account. Please certified mailed delivered wit tracking number. 

TRANSWORLD SYSTEM INC # XXXX
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc. (SC)

I had XXXX separate loans with MoneyLion. These loans were titled XXXX XXXX XXXX. I took these loans out for the purpose of rebuilding my credit after my divorce. I never even used the money. It sat in my MoneyLion savings account for the entire time of the loan to repay the loan.

I made all payments on time and after loan was paid off they continued to charge me for the loan. When I first noticed this on my account I disputed it personally through all XXXX credit bureaus. As well as a credit repair service I was paying for. After getting XXXX results that way, I contacted MoneyLion and was escalated up to a supervisor. He confirmed that all loans were paid off and that MoneyLion actually owed me money instead of the way it was reported on my credit reports. He refunded me my money and assured me they would be removed. XXXX months later it is still on my report. I have a letter from the supervisor I spoke with that day stating the correction. I will attach below.
Consumer complaint received 2023-01-13
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes XXXX law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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 submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-02
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX. States I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXXXXXX XXXX XXXXXXXX : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-02
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. (OR)

Good Afternoon, In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-10-21
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: VALLEY NATIONAL BANCORP (CT)

I ordered a new vehicle from XXXX XXXX, XXXX, CT. I was contacted on XX/XX/XXXX that my vehicle was delivered. I was sent the website link for XXXX XXXX XXXX to apply for a loan to take delivery. I filled out the online application on XX/XX/XXXX at XXXX XXXX XXXX. The website specifically explains my information will not be shared. On XX/XX/XXXX at XXXX XXXX my application was printed and the information provided to Valley National Bank without my approval or notification. On XX/XX/XXXX XXXX XXXX provided me information for my insurance binder. It was at that time I was told I was financed with Valley National Bank. I inquired why my credit was ran and shopped to other institutions. I was told that I authorized this with the consumer release I signed at the dealer when I ordered my truck. Since the dealership was closed due to covid I knew this was a lie. I did not sign any release. I decided to go forward with the purchase since I was without a car at that point since my car was sold to the dealer the week prior. On XX/XX/XXXX at delivery I was given the credit application to sign authorizing my credit to be ran. Obviously this was a moot point since my credit was already ran. I specifically did not want my credit ran multiple times and didn't care to get the " best available rate '' since my intent was to pay off the loan after purchase. I only took the loan for east of transaction. The loan was paid off the day after delivery. The second reason I do not allow my loan to be shopped it I own a XXXX XXXX. I do not allow my information to be shared as it could cross the desk of a local XXXX XXXX and be seen by a customer. Both XXXX XXXX and Valley National Bank ran my credit and shared my personal information without approval. I have worked on getting the additional inquiries off of my report for 6 weeks. The bank has not been supportive in getting the inquiry removed.
Consumer complaint received 2020-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX  # XXXX is reporting inaccurate information with XXXX, XXXX, and TransUnion. 

XXXX is reporting Status Date XX/XX/2018 with positive payment history from XXXX XXXX, but late XXXX and XX/XX/2018 with positive payment made on XX/XX/2018. 

TransUnion is reporting Status Date XX/XX/2018 with positive payments from XXXX XXXX, but late XXXX and NO PAYMENTS HISTORY for XXXX and XXXX. 

Please remove/deleted this account per the Fair Credit Act 611
Consumer complaint received 2018-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

ChexSystems reports XXXX derogatory account and XXXX bankruptcy on my report which is not correct and negatively affects on my credit history. I have never filed XXXX or had any derogatory account whatsoever. As a proof, I will also attach my 3 Credit Bureau report which will show no such account or public record on file. 

RE : Consumer ID : XXXX
Consumer complaint received 2022-05-02
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: EQUIFAX, INC. (MI)

I XXXX XXXX XXXX XXXX are glad to hear XXXX XXXX  festing up about the scam conducted against me by XXXX XXXX his family and supporters are truly a nightmare over a decade of major frauds and he slipping through the system. Your letter dated XX/XX/XXXX are a sign that this will soon be resolved but let it be known and factually clear that you employer XXXX came across to me as very honest person and she said that YES THIS IS YOUR LOAN BUT THERE IS ANOTHER NAME HERE XXXX XXXX. You can always play it for the CFPB to hear that I am giving all facts no lies. 

A huge problem is they were able to steal my claims including the OCC as I am the guy from XXXX XXXX XXXX with the trust account and appears my resolution with XXXX XXXX  got stolen from me. Unfortunately the amanzes have went to everyone judges, police and brokers saying he conducted this loan with XXXX XXXX without years and years not clearing this up and i suffered from. Then XX/XX/XXXX upon my leaving out the very next day i came back to finish moving and he and XXXX XXXX refused to let me in to get my other items. I had a brand new washer, dryer, microwave, stove and refrigerator and were locked out by them and i walked away from this denying me that they did. 

Then in XX/XX/XXXX he started an action in court an PPO saying I were threatening he and his family. I SWEAR TO GOD THAT WHEN HE STARTED THESE LIES THAT I WERE THREATENING HIM I HAD NOT SEEN HIS FACE SINCE XX/XX/XXXX UNTIL AT THE PPO HEARING SINCE HE HAD MOVED IN MY HOUSE IN XX/XX/XXXX AND JUST SEEMS UNREAL HE COULD HAVE DONE THIS. 

PLEASE NOTIFY THE XXXX POLICE  WHOM HE CONSTANTLY TOLD THEM THAT HE BOUGHT THE HOUSE FROM XXXX XXXX FOR XXXX, A LIE. 

THE FEMALE DETECTIVE THE FIRST TO HAVE THE INVESTIGATION CASE TOLD ME, IT IS HIS HOUSE AND HE BOUGHT IT FROM XXXX XXXX FOR XXXX.
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (GA)

There is inaccurate information on my credit report. I have attempted to resolve this with the creditors but was unsuccessful. I was not initially aware of the impact my information had on my credit. I am trying to take steps to correct prior credit problems. The inaccuracies make it difficult to obtain new credit. Please help me to resolve this matter.
Consumer complaint received 2020-10-21
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (AL)

On XX/XX/20 I contacted the card company XXXX XXXX  - Way2 Go Card about unauthorized charges on my card. Fraud Service Dept for the card sent along papers for me to complete that included the fraudulent charge, which I completed and returned. I received a letter stating that a provisional credit of XXXX was added back to my account. A few days later they took the money back out of my account and sent another letter stating that there was a conflict in the information I had submitted. I did make a mistake by adding one item that was not fraud but a valid purchase. The error amount was for {$27.00}. I have tried almost everyday to get in touch with the fraud department with this card. I am placed on hold and no one ever answers. Most recently I was on hold for 4 hours and had to hang up. I spoke with XXXX today and she stated that the case was closed on XX/XX/20 and I would need to reopen the investigation and she could not do it. I had to speak to someone in the fraud department. I expressed my concern with being transferred to the XXXX XXXX XXXX. to XXXX, " no one ever answers '' she apologized and stated that she could not help any further other than transfer my call the the fraud dept. She transferred the call and I am now on hold. I have been on hold for XXXX hours. There is {$2800.00} fraud charges on my account and I can not get any help from this card company. I need my unemployment money returned to my account.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX Open Date XX/XX/2019 Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information 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.
Consumer complaint received 2023-08-03
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. (AZ)

Hi I have numerous emails going back and forth with XXXX XXXX XXXX regarding the credit builder account that they continually tell me that its closed but is showing open on my report. Ive asked for resolution Ive asked how to pay and resolve but nothing has been done I dont what theyve changed but they say theyve changed the report but it shows the same. Over 30 emails back and forth with no resolution I have messages since XX/XX/23-until present Ive been communicating. Theres a balance of XXXX dollars and no way to resolve the situation according to them
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My name is XXXX XXXX I am a living human with all the rights afforded to me by the federal legislative acts set forth to protect the consumer 's. This complaint is NOT a duplicate and is being writing by XXXX XXXX XXXX using his own mind without the help of any outside sources. 

THIS COMPLAINT IS BEING LODGED AGAINST TRANSUNION ON THE GROUNDS THAT 1.I AM UNABLE TO VIEW MY CREDIT REPORT 2 THE ACCOUNTS THAT SHIW ARE NOT ALL THERE 3.I AM PAYING TRANSUNION FOR A SUBSCRIPTION THAT I CAN NOT VIABLY USE BECAUSE OF A MISTAKE MADE ON THEIR PART I SUBSCRIBE TO THE TRANSUNION CREDIT MONITORING SERVICE WHERE YOU ARE ABLE TO SEE YOUR TRANSUNION CREDIT REPORT AND ALL OF THE ACCOUNRW YOU HAVE THAT REPORT TO TRANSUNION ALONG WITH THE ACCOUNT STATTUSES. 

as of roughly XXXX weeks ago when I log on and enter my credentials to log on, it logs on as it should but when you go to Acconnts aor report, it shows my report as having XXXX accounts XXXX late XXXX XXXX No charge off or bankruptcy XXXX XXXX XXXX closed accounts I HAVE CALLED TRANSUNION ON SEVERAL OCCASIONS DAY XXXX THEY HUNG UP ON ME 3 TIMES SO I GAVE UP DAY XXXX I CALLED REACHES A CUSTOMER SUPPORT AGENT WHO DAID THEY WERE GOING TO TRANSFER ME AND ALL IT DID WAS RECYCLE ME TO THE MENUE TO VERIFY MY IDENTITY DAY XXXX TALKED TO A CSR ATTEMPTED TO TRANSFER AFTER SEEING MY CREDIT REPORT WAS INCORRECT BECAUSE THEY SAID THEY XOULD SEE MORE THAN 20 ACCOUNTS, UPON TRYING TO TRANSFER WAS HUNG UP ON, I CALLED BACK 5 ADDITIONAL TIMES THAT DAY ONLY TO BE HUNG UP ON XXXX ADDITIONAL TIMES I WISH TO BE COMPENSATED FOR THE MONEY SPENT ON A SERVICE THAT I CAN NOT USE, TRANSUNION CHARGES YOU FOR EVERYTHING INCLUDING TO SEEING YOUR OWN SCORE SO I WISH TO BE COMPENSATED FOR THAT AS WELL AS MY INABILITY TO APPLY AND BE APPROVED FOR VARIOUS FORMS OF CREDIT BASED ON THE FACT THAT THEY HAVE MY CREDIT REPORT SHOWING THAT I HAVE TO CREDIT HISTOET THEREFORE SHOWING THAT I AM NOT AS CREDIT WORTHY, THE IN ABILITY TO APPLY FOR CERTAIN FORMS OF CREDIT HAS COST ME CLOSE TO {$1000.00} DOLLARS IN THE LAST XXXX WEEKS BEING THAT I JUSGT BOUGHT A HOUSE BOUGHT I HAVE HAD TO PAY A DEPOSIT ON EVERY UTILIty wich totals {$890.00} I either to be compensated for their mistake and would like to have my credit report fixed immediately
Consumer complaint received 2020-10-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of  FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-12-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TX)

PayPal Payments XXXX To : XXXX Mon, XX/XX/XXXX XXXX XXXX XXXX  logo Dear Customer, There's a lot of choices out there but you singled us out and that means a lot. Thank you for placing an order with us. 



Transaction ID : XXXX Date : XX/XX/2020 Phone : XXXX XXXX XXXX Order Details Ttile Quantity Price Total XXXX Exchange x 1 {$470.00} {$470.00} Total : {$470.00} issue with the transaction? 
You have 24 hours from the date of the transaction to open a dispute. XXXX XXXX XXXX. 

********************* Above is a e-mail I received from PayPal (? ) I read it on Sat. XXXX XXXX. 
I have not responded to anyone about this. 
I really don't know what to do. I never in my life bought bitcoin. 
I remember using PayPal once in my life, I'm XXXX years old it could have been last year or 10 years ago. It scares me to even call the phone number listed above. I can't answer my phone now because of the scammers. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, I get them all. Can you tell me if someone should be called? What should I do now?