davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (TN)

I have asked for a signed contract with my signature and havent not received. What was sent just a balance. I called and the representative was rude. I am very respectful and honest. I am trying to cooperate, but it is hard too. I am not hard to work with resolving any issue unless the other parties are. Also, this company has be re-aging my XXXX credit report which is illegal.
Consumer complaint received 2020-08-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (WI)

Due to the Corona Virus I applied for a forbearance and was granted a 90-day forbearance by Select Portfolio Servicing. My financial circumstances improved after 60 days and I called to make repayment arrangements. I paid {$1000.00} and was to resume payments of {$1200.00} until XXXX - at which time I would be caught up. I began getting letters saying that I needed to contact the company to make repayment arrangements. When I called, I found out the arrangement had never been entered. After an hour on the phone, I was disconnected. I was called back by a woman with a thick XXXX accent who spoke very quickly which rendered the message not understandable. I have spoken to them and requested my original deal but was told that was not possible. Each time I reach out to Select Portfolio Servicing I spend time being passed between agents and more times than not end up getting cut off. 

I am trying to do the right thing but they seem incapable of handling my situation. 

XXXX XXXX
Consumer complaint received 2020-08-24
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. (FL)

Recently I established a credit report account with XXXX to see my current credit score and was surprised with countless fraudulent and false accounts that weren't done with my consent. I sought legal counsel to further educate myself on such crimes because it is the first time I experienced such fraudulent activity. In my country there is no such crime due to the lack of resources so apparently I would like to see these accounts removed from my credit report because they weren't my doings. I am extremely shocked and embarrassed to learn that people can be victims to such fraud without having any physical proof of identity to attain such accounts without legal consent. Please again remove these false items from my credit report as soon as possible. Thank you!
Consumer complaint received 2024-02-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (TX)

XX/XX/XXXX I called to request option to skip XXXX payment XX/XX/XXXX they sent a letter that didn't apply to my request. XX/XX/XXXX I called sender and left message, recording said he'd call back in XXXX hours he didn't. Sent an email XX/XX/XXXX was told a supervisor would respond in XXXX business days nothing. XX/XX/XXXX left another voice msg no response in XXXX hours. XX/XX/XXXX again requested call from supervisor nothing. 
XX/XX/XXXX I called again and was told it would be escalated to a supervisor for resolution. Still nothing. 
I was also told I basically have to ruin my great credit with them by being 60 days late to qualify to miss XXXX payment to be added to the end of my mortgage.
Consumer complaint received 2020-07-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems (FL)

This company took a debt which was previously removed and deemed fraudulent back in 2018. This company re-aged the debt as new on my credit report, didnt validate the information and didnt give me time to dispute before entering this debt back on my credit report. 
Last XXXX
Consumer complaint received 2019-06-05
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. (TX)

Equifax has fraudulent information reporting on my equifax credit file. The fraudulent listings are a result of identity theft. I have already reached out to Equifax without resolution the following are accounts that are due to identity theft that were opened as a result of fraud from a thief. I am attaching my Drivers License, and IDTheftAffidavit from law enforcement. Please review and block the fraudulent accounts. 

1. XXXX XXXX Line of Credit {$980.00} Balance with a {$1000.00} Credit Limit account # XXXX Opened XX/XX/XXXX. 
2. XXXX XXXX Revolving line of Credit Balance {$5800.00} Credit Limit {$6000.00} Account # XXXX Opened on XX/XX/XXXX. 
3. XXXX XXXX Revolving line of credit Balance {$490.00} Credit limit {$500.00} opened on XX/XX/XXXX. Account # XXXX 4. Student Loan US Department of Education Balance {$21000.00} Opened XX/XX/XXXX. Account # XXXX Inquiries that are fraudulent as well. - XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX all XX/XX/XXXX with a lock on my file these are fraudulent. 

Address XXXX XXXX XXXX XXXX XXXX, TX XXXX. Is not my address. My Address is XXXX XXXX XXXX XXXX, TX XXXX Fraud Alert - does not list my phone number XXXX. Please correct this.
Consumer complaint received 2018-07-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (UT)

I attach all the documents. I was behind on my mortgage in XX/XX/XXXX due to cut on hours on my job. But I got back on my feet and did a settlement with Carrington Mortgage. They take the settlement I did a down of {$3500.00} and making payments to them until they sold the loan to XXXX XXXX XXXX  in XX/XX/XXXX. I continue making my payments for {$310.00} until XX/XX/XXXX, because they notify me that they sold back my loan to Carrington Mortgage. I try to make my first payment to Carrington and they not accepted because they told me that I was behind 14 months. XXXX XXXX XXXX provide the evidence that I make payments to them on time until XX/XX/XXXX. Also the amount that I pay to Carrington before they sold it to XXXX XXXX XXXX, my balance was only {$5900.00} but now Carrington refuse to take my payment since XXXX and reporting me late to credit bureaus. I send all the evidence to them and provide evidence of my payments and every time that I call them I have to have 6 transfers, nobody know, that I owed {$12000.00} plus the months behind. That is totally wrong I send all the documents and they told me since XXXX that is on investigation and still not taking my payment. I am very stress that they don't take my payment. They been so mind to me. Please help me to resolve this issue. Please!!
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Performant Financial Corporation (MD)

XXXX  attempted to process tge repurchase of my loan which they sent to  XXXX  as a default accidently.   XXXX   refuses to process this even being made aware that an error occured.
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NC)

On XXXX XX/XX/XXXX I was notified by text of suspicious activity on my Wells Fargo checking account that asked if I authorized a {$2400.00} payment on XXXX payment. Please respond yes or no, so I, of course, replied no. In response, the next text said that someone would be contacting me shortly. ( Texts included as attachment ) I then received a call from a professional individual posing as a Wells Fargo agent who proceeded to help with the charge. The number was a fake - ( XXXX XXXX ). They then requested user name and password to the online banking app so they can temporarily secure the account for 24 hours. I did provide the information with the impression that this individual was a legitimate representative of Wells Fargo. They also provided a temporary passcode and requested the debit card number. In the next few minutes they moved what was in my savings account into the checking account and someone at an atm in XXXX, NC made three withdrawals of {$200.00} each. The location of this atm showed up on my banking app under the transactions. This happened to be about an hour south of where I live. 

The following day on XX/XX/XXXX I called the fraud division of Wells Fargo to follow up on the incident and discovered they had no record of any contact with me regarding the previous day. I gave the agent all of the info I had about what had happened and they issued a new debit card for me. I then filed a fraud claim with Wells Fargo through the proper channels and then waited several days for a reply. The decision they reached was that there was no fraud and either myself or someone I know was allowed to use my card to make the withdrawals. I received that news by letter. ( see attachment ) I am XXXX XXXX XXXX, live alone, no children, grandchildren, and the nearest family is XXXX miles away. No one ever uses my card ever. 

On Sunday the XXXX of XXXX I notified the XXXX, NC police department since that was the location of the withdrawal. I spoke with XXXX XXXX XXXX and relayed all of the information to him. Phone XXXX XXXX XXXX. He turned the information over to investigations. Case # XXXX XXXX XXXX called back on XX/XX/XXXX, ( XXXX ) XXXX XXXX ), to get my debit card number used in the fraud, which he then relayed to the local Wells Fargo office security there so they could review video at the atm on that day. It is still ongoing.
Consumer complaint received 2022-04-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (WA)

I have new and information on this case number XXXX. American Express. On XX/XX/2022 - a letter validating an alleged debt, and ceasing communication was delivered. The Validation Letter stated a necessity to provide all information proving verification for this debt within ten days. Over a month later, this company has failed to provide the necessary documents asked for in the Validation Letter. Since the Cease and Communication letter was delivered, American Express has harassed me on numerous accounts by calling my phone at inconvenient times, and failing to comply to my demand to cease and desist. This company has not complied with my requests for verification, requests for ceasing communication and has too violated numerous other rights of my status as a consumer. Due to these facts, as well as the original fraud surrounding the basis of the alleged debt, I sent a packet with my stated list of acted through an affidavit of truth, along with all of my exhibits. This packet was delivered on XX/XX/2022. This company has 10 days to reply to my affidavit, line by line with full rebuttals of my statements.
Consumer complaint received 2018-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Previously filed a complaint about access being blocked by capital one and received a response back from capital one and you closed the complaint. The matter has not been resolved and I am more than happy to provide an actual screenshot or access to my account to the bureau for validation of the continued blocking of my account. This is insulting and a bait and switch ploy. After following the instructions given by XXXX XXXX on behalf of capital one, I land on a page stating, in bold letters that my account is BLOCKED from allowing any access to 3rd parties. I have lost money and continue to lose money from this and this is why I continue to not be able to fund my accounts or transfer funds.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Lendmark Financial Services (TX)

XXXX XXXX XXXX  and XXXXXXXX  have untrue info on credit report! 
plus, details on alleged account are Hidden. I never agreed to do business with these companies. 
I never agreed to allow companies to share info. False info should be removed immediately.
Consumer complaint received 2021-02-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates (GA)

The alleged debt has been disputed and company still attempts to collect alleged debt which is in violation of 15 U.S. Code 1692g ( b ). 

According to 15 USC 1692g- validation of debts ( a ) Notice of debt ; contents ( a ) ( 1 ), ( a ) ( 2 ), ( a ) ( 3 ), ( a ) ( 4 ), ( a ) ( 5 ) said company is in violation of consumer rights. C.B.A. has no proof of sending any written notice pertaining to collection of alleged debt. C.B.A also has zero proof of any contract entered into by me and said company. C.B.A also never sent original creditor information. 

According to 15 U.S.C.1692f- Unfair Practices- ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 

I have not authorized ANY agreement with Credit Bureau Associates. 
Credit Bureau Associates is in violation of federally protected consumer rights.

Credit Bureau Associates is also in violation of 1692e ( 2 ) ( A ) by furnishing a false representation of the character, amount or legal status of any debt.

15 U.S. Code 1692e ( 2 ) ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

Under 15 U.S code 1681b- Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

I have NEVER given C.B.A ANY consent, written or otherwise, instructions or permission to furnish any information on my credit report. 

in violation of 15 U.S. Code 1692d ( 1 ) All actions taken by the company are injurious to my life and credit report by reporting inaccurate, false information. the information being provided to consumer reporting agencies is damaging to my reputation and is defamation of my character preventing me from getting credit. 

Reporting Medical information on my consumer credit report is also a violation of my individual privacy.
Consumer complaint received 2018-07-07
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. (AZ)

I am a victim of identity theft. The following account and credit inquiry is listed on my Equifax credit report and is fraudulent, unauthorized and not mine : XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX XX/XX/2018
Consumer complaint received 2020-04-22
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. (CA)

I had a credit card through XXXX XXXX XXXX, that went delinquent in XXXX of XXXX. In XXXX of XXXX, it was charged off. 

However, on my Experian credit report - XXXX XXXX XXXX  is providing wrong information. They are reporting that the Date of First Delinquency was on XX/XX/XXXX. That is incorrect! The last time I ever paid was in XX/XX/XXXX. It was charged off in XX/XX/XXXX after being more then 120 days late. 

Because of the INACCURATE information reported by XXXX XXXX XXXX, Experian is not able to remove my negative credit history, even though it has been more then 7.5 years. 

I have tried to dispute this information with Experian multiple times, but they are saying that XXXX XXXX XXXX  is reporting the above INACCURATE information. 

I have tried to contact XXXX XXXX XXXX, however they simply do not pick up the phones.
Consumer complaint received 2022-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Capital One allowed someone to fraudulently open an account # XXXX in my name also make purchases and also sold my personal information to a 3rd party debt collector without my consent. I am requesting the original contract with terms and signatures that gave consent to Capital One to sell my personal information to 3rd parties for collection. I've contacted Capital One Several times to resolve the identity theft issue with no results. I am requesting documentation to seek legal action if nothing gets resolved.
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: AMERICAN EXPRESS COMPANY (CA)

my name is XXXX XXXX during Covid I was there out of work for three months once I went back to work I paid all my American Express his cards in full they restored one card but will not delete the lates on my credit this is causing me not to be able to buy a home for my family Ive asked American Xpress due to Covid to do a courtesy delete and I can take care of my family they are not budging anything I can do this is frustrating
Consumer complaint received 2019-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (ND)

I made a payment to my credit card account with Capital One on XX/XX/XXXX in the amount of XXXX. It posted the debit to my checking account and I show the credit to the Capital one Account.. I attempted to use the card the next day and the purchase was declined due to lack of available credit. When I called and asked Capital One the customer service rep XXXX advised me that they " hold on to funds '' to make sure they are good before they make the credit available to use on the card. He stated that it could be a few days and it was common practice. The payment was made via ACH so it was not a paper check that was sent in for payment. I am not sure if credit card companies are held to the same standards as banks but shouldn't this be a reg z or cc violation? Needless to say I closed my account but still want someone to follow up because if Capital One is doing this to me then chances are they are doing it to others which would not be a fair practice.
Consumer complaint received 2024-05-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (PA)

XX/XX/2024 : Two unauthorized money transfers were made by Western Union from my checking account to a person identified as XXXX XXXX who was located in XXXX XXXX, XXXX. 
Western union apologized for the fact that my Western Union account was affected by fraud and then proceeded to deny my claim ( CASE ID : XXXX ) for a refund by citing that their agent followed all of their policies and procedures and unilaterally denied my claim. 
I responded first that I have never been a customer of Western Union and that I have never had an account with them. Further, I stated that their policies and procedures were deficient in that they should have further verified the opening of a new account and questioned a transfer from a person with an Irish-American surname who lives in the US to a person with a middle eastern name living in XXXX. A second factor authorization in a case like this would have seemed to be in order.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I recieved response for the buraeus. saying I using 3rd party to help me on my dispute letters. I never use crredit repair company for my letters please delete all the negative accounts and inquries. 
Account name : XXXX  XXXX Account number : XXXX Account balance : {$300.00} Date of account open : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX  Account number XXXX XXXX Account balance : {$200.00} Date of account open : XXXX. XXXX, XXXX Account name : XXXX XXXX Account number : XXXX  Account balance {$0.00} Date of account open : XXXX. XXXX, XXXX Account name : XXXXXXXX XXXX XXXXXXXX  Account number : XXXX Account balance : {$420.00} Date of account open : XXXX XXXX, XXXX Account name : XXXX XXXX Account number : XXXX Account balance : {$560.00} Date of account open : XXXX XXXX, XXXX
Consumer complaint received 2021-02-10
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: EQUIFAX, INC. (IL)

I submitted a credit dispute to Equifax XX/XX/ 2020. I disputed several accounts reporting on my credit report inaccurately. I also requested " PROOF '' of these debts exercising my rights under Section 609, which I am entitled to see and be provided with, for full validity of the said debt ( s ). Equifax DID NOT comply with the Fair Credit Reporting Act completing a full unbiased investigation within the time frame given ( 30 days ).
Consumer complaint received 2021-09-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (MS)

ON XX/XX/XXXX Synchrony Bank ( PayPal Credit ) reversed a charge in the amount of {$180.00} that I was charged for a " fake '' merchant on XXXX. I received a letter after their initial investigation telling me that the charge was reversed. But the invoice still shows ( as of todays date, XX/XX/XXXX ), that there is a {$3.00} interest charge along with the {$180.00} charge interest is deferred until XX/XX/XXXX. I do not " owe '' the interest charges cause the charge was reversed, ( see attachments ).
Consumer complaint received 2018-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I paid off my credit debt with Capital One on XX/XX/XXXX. Two days later, after my payment had posted, they charged me {$40.00} in interest. My balance is {$0.00}. They are telling me it is interest on the balance before it was paid. My bill is due on the XX/XX/XXXX, I paid on the XX/XX/XXXXin full and the payment posted on the XX/XX/XXXX. If there were any other charges to be had, they should have posted before my bill due date. There should be no other charges to pay. I closed my account some months ago because they were unwilling to work with me on payments until I was able to pay the account off. They claimed, constantly, that I had payment options yet both times I called seeking options, their reps were anything but helpful and would only accept full payments which I had been unable to do. Well now they are paid off and it seems they are trying to swindle just a little bit more out of me.