davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I have been requesting a short sale for the last 18 months, Select Portfolio has been giving me the run around, they have been delaying the process by giving me conflicting information, I have been sending documents for over 18 months and their delay has caused me stress, cost me thousands of dollars in attorney 's fees and currently now I may probably lose the buyer and have a Foreclosure on my record. I have been calling the lender every other day for the past 18 months requesting them to review the documents, I have since lost XXXX buyers due the Select Portafolio delaying the process by not being responsive. In the last month alone I 've called 10 times trying to get an update as to the status of the short sale. Every single person taking my call has given me different information, and most of the times the information was inaccurate. No one seems to take responsibility for delaying the process or for giving you erroneous information regarding my account. I need assistance. My XXXX review was submitted on XXXX XXXX, 2016 and to this day no one has reviewed the documents or started the review.
Consumer complaint received 2018-06-13
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: Experian Information Solutions Inc. (TX)

In XX/XX/XXXX I became aware that a creditor on a loan I recently paid off, XXXX XXXX XXXX XXXX, reported me 120+ days late on my Experian report. They also reported me late, not making a payment, and having a past due balance in XX/XX/XXXX. In XXXX they reported me 90 days late. This was a surprise to me, as I had a good payment history with this company and had paid the loan off early on XX/XX/XXXX. They had even sent me a Paid In Full letter on XX/XX/XXXX thanking me for being a good customer, having a positive payment history, and inviting me to apply for a loan in the future. I never received any communication from XXXX XXXX that anything was wrong with my account. My Experian report prior to XX/XX/XXXX reflected the accurate positive payment history I've always had with this creditor. On XX/XX/XXXX I mailed a dispute to Experian via Certified Mail Return Receipt requesting investigation into these errors. I sent a cover letter, a copy of my credit report with the errors circled, bank statements showing full on time payments for the months in question, bank statement showing the final early payment in XX/XX/XXXX, and a copy of the Paid In Full Letter from XXXX XXXX dated XX/XX/XXXX to support my request ( all uploaded for your review ). I just received the results of my investigation today XX/XX/XXXX via mail. The errors were only partially corrected, despite providing  documentation of my positive payment history, and negative information was added. The report now reflects Outcome-Updated : Status remained " Paid, Closed '', late monthly payments were changed in the Payment History to show XXXXCLS, and Recent Balance was was changed to " Not reported ''. The results from this investigation do not make logical sense. I made my XXXX payment on XX/XX/XXXX, my XXXX payment on XX/XX/XXXX and my final payment on XX/XX/XXXX ( which paid off the account ), but the Payment History shows 30 days past due in XXXX and 60 days past due in XXXX. I provided documentation of all these payments, and a XXXX balance, yet they remain on my report after the investigation and a {$0.00} balance is not reported. I do not understand how this information can be verified as accurate when I have provided upfront documentation demonstrating otherwise. Please help me make sense of this. I am a retired XXXX veteran living on XXXX ; my credit rating is essential to my quality of life. These changes Experian has " verified '' as accurate have destroyed my credit and negatively affect my quality of life. I respectfully request that your agency investigate this matter on my behalf. Thank you.
Consumer complaint received 2020-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One Issues Outline 1 ) On XX/XX/2020, a transaction was made on my credit card for {$200.00} at an ATM in XXXX XXXX at XXXX XXXX. This transaction was fraudulent and not made by me or anyone associated with me. 
2 ) On XX/XX/2020, a credit in the amount of {$1500.00} was applied to my credit card account. This transaction was fraudulent and not made by me or anyone associated with me. The source of the funds was from Valley National Bank where I have never had an account. 
3 ) On XX/XX/2020, I reported both of these transactions to Capital One, cancelled my card and changed my user ID and password. They also sent me a new card. 
4 ) On XX/XX/2020, Capital One reversed both transactions and indicated that the debit would be investigated with the fraud department. 
5 ) On XX/XX/2020, Capital One mailed me a letter that the fraud investigation was complete and that there was no evidence of fraud. When I called for an explanation, the representative said that it had to be me because it was from the chip on my card. 
6 ) In the time after this, I followed up with XXXX XXXX to see what needed to be done to get the evidence from the ATM ( both physical and visual ) and they indicated I needed to file a police report. After checking with the local authorities as to proper process, I filed a report with the XXXX Police on XX/XX/2020. After many follow up emails and calls, it seemed like the process for getting a subpoena was finally started around XX/XX/XXXX. 
7 ) On XX/XX/XXXX, Capital notified me by email that a payment of {$1500.00} had been returned and directly correlated it the same transaction of XX/XX/XXXX earlier in the year. They debited my credit card for that amount, which put it over the limit. I called Capital One to let them know that this occurred and after having gone through multiple representatives, I finally got them to understand that someone in their back office had made a mistake. 
8 ) The repercussions of this was that I then received 3 letters from Capital One on XX/XX/XXXX letting me know that this account, another personal account and one business account were being closed due to this last payment being returned.
Consumer complaint received 2016-03-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (FL)

I am a victim of fraud. I did go online to be a mystery shopper and was contacted to a assignment for XXXX XXXX. I was XXXX a check {$1900.00} for my assignment. I went to TD Bank in XXXX Florida and deposited this check. After several days I call TD Bank to verify if this check was even good. I spoke to a financial Representative she stated that this check DID CLEAR. again I asked it cleared? Again she stated IT CLEARED. I then went to the same TD Branch to withdraw money to complete this assignment in the amount of {$1600.00}. I was called again from this MYSTERY Shopper if I would be able to complete another assignment. Again, XXXX brought me another check with another assignment Went back to the same branch at TD an made a deposit.. Waited several. days called again XXXX # and this time they said the check did not clear. That evening I received a letter from TD Bank that the 1st check was fraudulently written. TD mandated me to get my account in good standing and deposit money. I did this immediately. I was angered about this I called the XXXX number and went round and round finally got a supervisor she listened to the tape and she admitted that TD Bank Rep did say it " CLEARED '' that they TD were going to refund {$930.00} to cover my deposit and XXXX return check fee. This was very nice, but I had in this account {$710.00} before all this took place, she was unwilling to return this amount. I found this to be inaccurate and unjust if TD Bank admitted fault. they should have returned all the monies. I am requesting that XXXX be returned from TD into my account..
Consumer complaint received 2022-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I XXXX XXXX am a victim of identity theft and fraud. TRANSUNION IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3rd ATTEMPT WRITING TRANSUNION ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2019-05-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (UT)

My school closed and I am within my legal rights to pursue a discharge of all loans taken out while in attendance at the closed school. Attendance in pursuit of the degree I was seeking included two different campuses as my school had multiple campuses-the campus listed on this complaint and the XXXX XXXX XXXX, UT campus of the same school. A loan discharge application was rejected by my lender and upon fixing the errors they claim it had the second one was rejected as well, in spite of all purported errors having been fixed. At this point it is clear they are illegally denying me my lawful right to a discharge of my loans.
Consumer complaint received 2020-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hello : I am requesting assistance with three credit reporting agencies as well as Capital One Credit Card. 

While requesting my free annual credit report, I observed there to be asking/verifying questions in which is not applicable to me. 

1. I was asked about a car loan, car loan payment amount, pet insurance and student loan information. I do not have these information on my credit report. why is it showing up there. I dont have any of these about mentioned accounts. 

On an ongoing basis, I have noticed my account balances to be incorrect as well as the account limits. 

Capital One also reported me late in XX/XX/XXXX and XX/XX/XXXX, when I paid from a bank account on time. 

My discover card balance is incorrect. They are reporting me late, when I pay my accounts on time every month. 

I requested to receive SCRA benefits from capital One, in which I was denied SCRA benefits on my Capital One account. I was advised this is a law. They also reported late, when I explained to them I was in training and the bills went to the incorrect address. 

The account was also on reoccurring monthly payments. which they took out payment but still reported as late. I am asking assistance with this matter.
Consumer complaint received 2018-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I have sent numerous amounts of letters disputing the following accounts below to the credit reporting agency listed over the last 9 months. They have yet to remove the items from my credit file even though I have provided them with supporting document that the accounts are inaccurate and don't belong to me. 

XXXX XXXX- XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I called the bureau to remove inquiries that I did not recognize from my report they refused and proceeded to tell me that the inquiries were correct.. It was also several variations of my name, addresses, and phone numbers that were not mine on the report.
Consumer complaint received 2019-10-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (PA)

Midland Funding has been calling me using automated dial services. They call me from numbers that appear on my caller ID as " Unknown Name ''. They never leave a message and call constantly.I have asked them to stop harassing me but the automated service does not seem to take this request. Midland has also misreported my account information which shows the same account duplicated but with slightly different amounts owed, account number and dates. I have asked them to review but they will not correct this issue. The account numbers are always blocked or unavailable. I have disputed this with credit reporting agencies to no avail. The original creditor was XXXX XXXX. I only had one XXXX XXXX account open at the time of this debt being reported.
Consumer complaint received 2021-07-14
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX. XXXX  XXXX XXXX  XXXX, XXXX XXXX Last 4 of SSN : XXXX RE : Account Number XXXX To whom it may concern, I am contacting you because I have found some information that is in-accurate on my credit report. You are reporting a late payment on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on the account XXXX XXXX  Account Number XXXX This is not true, I was not late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I request that you verify the information and update the payment history on this account as PAID, NEVER LATE with all 3 credit bureau. I was on the Coronavirus-Related Mortgage Assistance Plan and I have been making my payments on time.

After doing so please provide me with an updated credit report reflecting the changes.

Best Regards, XXXX XXXX XXXX
Consumer complaint received 2020-06-26
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: EQUIFAX, INC. (GA)

I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.
Consumer complaint received 2018-06-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

i I have tried to Disputed this {$94.00} collection of a medical bill with Equifax. I never recieved a bill at my home address or through my Medical insurance. I've been trying to get them to validate this debt XXXX and XXXX have deleted it from my credit report because this debt has never been validated. There website never let 's you check the status of the dispute when they give you a solved dispute conformation number so frustrating dealing with this bogus {$94.00} dollar debt that I never recieved any bill for. This is debt that easily could have been paid or made payment arrangements on I would not let a {$94.00} medical bill go to collections that's ridiculous I would just like for Equifax to do what's right and remove this from my credit report to whom it may concern thank you for looking into this situation for me.
Consumer complaint received 2018-06-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX I logged on my online banking and saw a lot of fraudulent charges, I contacted the Wells Fargo branch to notify them. During the phone call, the bank teller stated " the branch manager is out at lunch ''. I then requested a full print out of my account and the teller stated she would pass the message and have the branch manager call me back. 

He never called me back. I called for 7 days in a row. He still was always unavailable and he never called back. XX/XX/XXXX - I was notified via email that my account was closed. 

This has been extremely stressful. I lost my apartment, I lost my car. After the fact, they still refused to give me a print out of my bank statements. I banked at Wells Fargo because I trusted them, they are there to take your money but when I report fraudulent / unothorized transactions or try to get help with fraudulent and unothorized transactions they close my account.
Consumer complaint received 2016-04-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AUTOMOTIVE CREDIT CORPORATION (FL)

To Whom It May Concern, My name is XXXX XXXX XXXX I have had a truck loan with Automotive Credit Company for 5 years I am a XXXX XXXX Veteran and this company harassed me by mail and phone calls telling me my payments or late. I have never been late on a payment I just checked my credit score XXXX is giving me a score of poor XXXX because they have reported me XXXX XXXX, 2016 last payment late my last payment was in XXXX XXXX, 2016 and on XXXX my payment history for my loan has been removed why would they do this. I strive on paying my bills on time and after 5 years paying {$11000.00} dollars being charged in interest a total of {$22000.00} dollars for my truck I do n't deserve this. I have n't checked XXXX because this information on my credit is incorrect and very harmful to my credit score I will check XXXX and give you a follower up. Thank you in advance for correcting this problem Now XXXX!
Consumer complaint received 2020-07-14
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)

Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623,  subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.
Consumer complaint received 2018-06-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My wife - and I are in the process of looking for a new home. We found a home and our realtor - forwarded us the offer to be initialed and we did so. After the completion of the offer document later in the day on XX/XX/XXXX we received an email from our realtor 's XXXX email id asking for confirmation if we were ready for the deposit/ernest money for {$3000.00} as mentioned in the offer document we signed earlier in the day. 
We transferred the money at XXXX based on the reply we got from that email id since it had the bank details : -- -- -- -- - Routing instructions : Bank Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ABA Number : XXXX Account Name : XXXX XXXX of XXXX XXXX Account Number : XXXX -- -- -- -- - We tried calling the Bank of America right after we realized talking to the realtor on the phone but the bank department was closed by ( XXXX ) then and was advised to call the next day -XX/XX/XXXX in the morning at XXXX XXXX. I called up at XXXX XXXX next day but was told that the fund had already been transferred so am following up now about the money recall claim filed with the bank.
Consumer complaint received 2015-08-18
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC (IN)

My wife and I have a medical debt that is currently being held by IMC Credit Services. One of their employees by the name of XXXX XXXX used his personal cell phone to contact my wife in connection of this debt. His number is XXXX. This communication tactic was intentionally misleading and violates the FDCPA. XXXX XXXX also utilized IMC Credit Services business line to contact my wife at her place of employment, and cell phone. I had previous correspondence with this agency and made a verbal request on a recorded line to only make verbal communication through my cell phone number, which they failed to do on several occasions.
Consumer complaint received 2019-05-18
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: U.S. BANCORP (MI)

Called number on my credit report talked to company they couldn't find any information on so they don't know why it's on my report. Can you help me? I never contacted u s bank for credit.
Consumer complaint received 2020-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (OH)

Reference number- XXXX I have money that was taken out my account and this company said they performed an investigation and did not do a full investigation as i got money stolen and filed a police report. They have not officially credited my account after providing them with this information. i have been with this bank for over 20 years and never had such issue. My money should be protected and it is not by this bank
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (VA)

Experian has had my credit report locked since XX/XX/XXXX. I have called several times including XX/XX/XXXX. The representative told me that someone else name was attached to my credit profile and I needed to send my SS Card, ID, and proof of address via email. I sent that XX/XX/XXXX. I still haven't seen any progress so I called back XX/XX/XXXX and was given the run around I spoke to 5 different people.
Consumer complaint received 2018-06-13
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: Experian Information Solutions Inc. (NJ)

Experian is reporting a hard inquiry XXXX on my credit report, but I never applied for any products from XXXX. I uploaded a copy of the certified return receipt from the dispute I filed with Experian and as of XX/XX/2018 the hard inquiry is still being reported.