davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent a letter to the credit bureau with my disputes on it. I INCLUDED ALL THE IDENTIFICATION THEY ASKED FOR. They sent me a letter saying my identification information is wrong. I will attach exactly what I sent.
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALASKA COMMISSION ON POST SECONDARY EDUCATION (WA)

I went through a hardship after I XXXX   from college. I couldnt pass the XXXX  to secure a job. My wife and I moved out of XXXX  to XXXX and things got worse with trying to pass the XXXX XXXX and find work with no license. I was working with a guidance counselor for assistance with my payment. I didnt realize the different lenders I had with the different loans. I was told I was approved for a forbearance and my understanding that would date back to adjust the late payments so I would no longer be behind but it did not. 2016 the Alaska   Post-Secondary is showing several late payments for my account at XXXX, XXXX, XXXX  before selling the loan to a different lender.
Consumer complaint received 2017-12-06
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: TD BANK US HOLDING COMPANY (MA)

I bought a car on XX/XX/XXXX and gave permission for XXXX XXXX to pull my credit. Not only did XXXX credit pull my score, but 5 other companies pulled my credit for hard inquiries without my permission. I have worked hard to bring up my credit and this is bringing my score down significantly. I did get the loan with XXXX XXXX, but I did not authorize these other pulls. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX TD Auto Finance XX/XX/XXXX I contacted XXXX twice to see why this happened and was never given an answer and could not get any information. I am very upset about this. I monitor my credit daily. 

Please help me to fix this problem. 

XXXX XXXX
Consumer complaint received 2018-02-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BARCLAYS BANK DELAWARE (TX)

0n XX/XX/ XXXX which is Barclaycard at XXXX XXXX thn at XXXX XXXX XXXX at XXXX XXXX thn at XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX, XX/XX/ XXXX XXXX XXXX XXXX   XX/XX/ XXXX ; XXXX XXXX XXXX XXXX XX/XX/ XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX  XX/XX/ XXXX XXXX XX/XX/ XXXX XXXX XXXX XX/XX/ XXXX XXXX XXXX XXXX XX/XX/ XXXX XXXX  this happen everday just like the previous days, calling my phone harrassing me, calling up to 4 times in one day ... everyday
Consumer complaint received 2024-05-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MT)

on XX/XX/XXXX, I discovered that there were XXXX XXXX XXXX charges, each valued at {$15.00} in My wife and Is joint checking account with USAA. Upon discovering this, I immediately acted and decided to submit a fraud claim to USAA. What I also discovered after submitting the fraud claim was that my XXXX account was also compromised. Therefore, I logged into the account, changed my password, and removed my debit card and all bank information from my XXXX account. 

On XX/XX/XXXX, they determined that the fraudulent transactions were not fraudulent. So, I submitted a typed statement stating that this was not me or my wife who made these transactions. So, on XX/XX/XXXX, I talked on the phone with a USAA representative, and they said to submit a statement and upload it via USAA app. I did so the same day. 

Then, on XX/XX/XXXX, we were notified once again these fraudulent charges were deemed as not fraudulent. I then submitted a second written statement requesting an escalation and a new investigation into this fraud since we were being punished for their mistake. On XX/XX/XXXX, it was deemed a THIRD time that the charges were still not fraudulent. I threatened to close my accounts with them due to this mistreatment by this company made for veterans and military, me being a veteran myself. 

My wife and I did NOT make those transactions. In addition, the address on the transactions with XXXX is incorrect, further proving that it was not me that completed the transactions. The address tied to each transaction is the following address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX I havent lived at the above address in over a decade. If it were me that had made the XXXX gift card purchases, I would have used the correct address that we have in XXXX XXXX XXXX. I also do not know anyone by the name of XXXX.
Consumer complaint received 2020-07-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: WLCC (CA)

Good loans fast is listed in my XXXX report saying that i have an existing loan but i did not receive any amount of money, i only have an existing payday loan with XXXX XXXX, XXXX XXXX and XXXX XXXX but not good loans fast, here is the information of good loans fast listed in my XXXX  report. 

Date of Loan : XXXX Merchant Name : WLCC Lending AIL dba Good Loans Fast Merchant Phone : ( XXXX ) XXXX City, State, Zip : XXXX XXXX, SD XXXX
Consumer complaint received 2017-12-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc (VA)

On XXXX XXXX, XXXX I register for a class ( ENSU XXXX XM ) at the University of Illinois, that same day I got an email from XXXX XXXX " XXXX '' Day that the class is no longer accepting enrollments for the spring term as the class began XXXX XXXX, XXXX. 

Early XXXX XXXX I got a letter from XXXX XXXX XXXX XXXX that I owe {$1500.00} for the University of Illinois course I NEVER took. I sent a registered letter to them with the email attached and I also filed a complaint with CFPB ( complaint XXXX about XXXX & FUDGE, XXXX ) They put a negative mark on my credit report. They removed it and I also request them not to sell the fraudulent debt to anyone. 

XXXX and behold they did, they sold it to XXXX who just called me at my job XXXX/XXXX/XXXX XXXX. I request them not to call me at my job and to correspond in writing only, which I got a letter from them on XXXX XXXX, XXXX.
Consumer complaint received 2022-02-17
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. (FL)

I was denied credit which is an adverse actions to my reputations pursuant to XXXX XXXX XXXX. I authorized credit XXXX bank to extend me credit with a application I filed on XX/XX/XXXX XXXX Credit one says it receive consumer reports but has not proved or given me the evidence of who they spoke with that furnished my consumer report or that company that furnished this said report had my consent pursuant XXXX ( XXXX ). Furnishing information with out consent is identity fraud pursuant XXXX XXXX XXXX. Also violated consumer by making me provide my social security number for an application pursuant to XXXX ( XXXX ) credit XXXX is is violation of consumer law and civilly liable pursuant to XXXX XXXX XXXX
Consumer complaint received 2020-10-12
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XX/XX/XXXX ( XXXX  ) XX/XX/XXXX ( XXXX  ), Portfolio Recovery Agency ( PRA ) added a derogatory mark on my credit reports per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection as requested on XX/XX/XXXX as well as XX/XX/XXXX ( attached ). Also there was no written form of communication, contract or signature for this accused debt at all. A copy of a bill without a signed signature does not validate the debt, anyone can make a copy and send a bill claiming it's mine. In CFPB v Portfolio Recovery Agency file no # XXXX according to the findings specifically 28. PRA is aware that significant inaccuracies may exist in the Sale Files it purchases, including that some debts balances were not reduced by a consumer 's subsequent payments 31. Some of PRA 's purchase agreements put limitations on the availability of account-level documents, thus putting PRA on notice that it may not be able to access account-level documentation on all accounts purchased that would enable it to perform proper due diligence. 36. PRA did not alter its collection practices when collecting on portfolios that it knew or should have known contained unreliable information. 33. PRA did not monitor its portfolios of debts for accuracy. Yet PRA has continued for years to damage my credit with inaccurate and unverified information and deprived me of my rights to validate the derogatory information. According to FCRA, Portfolio Recovery Agency ( PRA ), had violated my rights as a consumer and I'm requesting legal action to remove this account from all three bureaus immediately.
Consumer complaint received 2018-02-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Dear Sir/Madam : I do have a current ( Pending Complaint ), CFPB # XXXX, against Select Portfolio Servicing , Inc., ( SPS Inc. ) that I desire to have dropped by CPFB. That complaint is/has been on-going since XX/XX/. 

I have now asked the Bankruptcy Attorney ( XXXX XXXX XXXX ), to handle any further issues involving the home/mortgage in dispute, that was Abandoned/Turned back into XXXX XXXX XXXX, in XX/XX/, and that IRS Form is attached to this request, along with a letter to XXXX XXXX XXXX @ SPS Inc., ( XXXX ) XXXX, Option. # 3. 

The issues are not complex, the home was abandoned in XX/XX/, XXXX XXXX XXXX, sent out an Appraiser in XX/XX/, an On-site Appraisal was done, Joint Photos of the Property were taken, as I had invested a lot of money into getting the home " Move-in Ready '', including Brand New Heat/Air, and the Home keys were turned over to the Appraiser. I contacted Beneficial Financial and XXXX XXXX told me that the home appraised out for more than the remaining Loan balance and that XXXX would cut me a check and issue a XXXX for the difference to me, once the " Deed In Lieu '' was approved, things went downhill from that point, but XXXX XXXX XXXX, did accept the Keys, and change the Locks to the home. 

According to IRS Publication XXXX, Abandonment is considered a Sale or Transfer of Property, either way with me having an Approved Bankruptcy Discharge, I had no Personal Liability, and XXXX XXXX XXXX, assumed Libabiliy for that home. 

Now, SPS Inc, purchased the Property from XXXX XXXX XXXX, and starts to send notice of Requests To Make/Pay Mortgage payments on Property that XXXX took possession on and owns, I promptly notify SPS Inc, that they need to send those notices to Beneficial, and sent them copies of the Bankruptcy Order. 

SPS Inc, continued, therefore I contacted my attorney and had him send the Bankruptcy Order and Schedules to SPS Inc., they still have continued to contact me, and so the attorney is now has the matter.
Consumer complaint received 2020-10-12
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. (IL)

XXXX XXXX XXXX  XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX  is fraudulent on my Acct # XXXX
Consumer complaint received 2018-02-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

On or about XX/XX/ I went onto the XXXX 's website to manage my account. I entered a new payment source as I closed my previous checking account do to a merchant 's unauthorized charges. The new payment source included the new routing and account number. I then set-up a {$200.00} payment for a bill that required only a {$27.00} payment. The payment confirmed with reference # XXXX. At the conclusion of the transaction a message came up on, " We will verify this account and process the payment ''. That is not what occurred, instead, XXXX XXXX attempted to take the payment from the closed checking account. As a result, XXXX 's reversed the payment and charged me two ( 2 ) {$27.00} charges. One was for a late fee, and the other was for a returned check charge. I was also charged {$8.00} in interest which should not have been assessed. I received a call late the evening of XX/XX/ from XXXX XXXX indicating my payment was late. After he reviewed the history, he agreed this was their error and was supposed to reverse the fees and interest. Additionally, he reprocessed the {$200.00} payment under the correct account. Currently, XXXX XXXX has only refunded one ( 1 ) {$27.00} fee. I have not been credited the {$27.00} fee or the {$8.00} in interest that was charged. I have talked to several XXXX 's credit employees about this situation and was even told the correct {$200.00} payment is floating and has not been processed. My bank confirmed XXXX XXXX has not processed it through my account. This entire situation was the fault of XXXX 's not mine. The representatives are uneducated and unskilled, passing me others, On XX/XX/, I was left on hold and ended up on the phone with an hour trying to get this resolved. It still is not.
Consumer complaint received 2020-10-12
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (GA)

I am a victim of XXXX. Way 2 Go card company issued by the Georgia XXXX  XXXX XXXX will not refund the {$6000.00} that 2 female suspects stole from me. I provided Way to Go with the Police Report and direct statements from the XXXX XXXX, the XXXX on my case. And they still won't refund my money and won't talk to the XXXX on my case. This is pure ILLEGAL. Way 2 Go is just as guilty as the suspects who stole my card.
Consumer complaint received 2024-05-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Keith D. Weiner & Associates Co., L.P.A. (WI)

The debt is XXXX XXXX XXXX and the company is still trying to garnish my wages and take me to court. The company hasn't provided any payment history to me in court but I stop paying in XXXX XXXX XXXX The debt also belongs to the person who has the car. The amount is also incorrect, the person paid on the car for at least XXXX years and the starting amount was maybe XXXX. The vehicle is over XXXX years old and no information has been released to me or the other party
Consumer complaint received 2018-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

ON MY XXXX CREDIT REPORT I HAVE MISSED SPELLED NAMES AND ADDRESSES THAT DON'T BELONG TO ME NAMES : 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX 2. XXXX XXXX XXXX  XXXX FL XXXX 3.  XXXX  XXXX XXXX XXXX XXXX FL XXXX 4. XXXX XXXX XXXX XXXX XXXX, FL. XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX PHONE NUMBERS : 1. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX 3. ( XXXX ) XXXX 4. ( XXXX ) XXXX 5. ( XXXX ) XXXX 6. ( XXXX ) XXXX 7. ( XXXX ) XXXX
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have reviewed my credit profile and have noticed the alleged account CAPITAL ONE BANK USA NA ) that Is reporting to the bureau ( XXXX ) with a number of Discrepancies in the alleged account ( NAME OF CREDITOR **CAPITAL ONE BANK USA NA** ), ( MINIMUM MONTHLY PAYMENT {$0.00} ), ( PAYMENT HISTORY 88 % PAYMENTS ON TIME ), ( LAST REPORTED XX/XX/2020 ), ( NO TERMS INFORMATION IS REPORTED ), ( WORSE PAYMENT XXXX DAYS LATE ), ( CONTACT ADDRESS CAPITAL ONE BANK USA NA XXXX. XXXX  XXXX XXXX XXXX XXXX, UT XXXX USA ). 


However, the credit bureau ( XXXX ) is reporting the alleged account as ( NAME OF CREDITOR ** CAPITAL ONE BANK USA ** ), ( MINIMUM MONTHLY PAYMENT -- ), ( PAYMENT HISTORY 90 % Payments on time ), ( LAST REPORTED XX/XX/2020 ), ( payment status : new account ), ( NO TERMS INFORMATION IS REPORTED ), ( WORST PAYMENT STATUS -- ), ( CONTACT ADDRESS : CAPITAL ONE BANK USA XXXX. XXXX  XXXX, VA XXXX USA ). 

If this is the same creditor, the information would not be different.
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: ENCORE CAPITAL GROUP INC. (AR)

I received a letter from midland credit I offered to settle the amount of my XXXX  XXXX card for XXXX dollars they agreed I sent in a letter stating this was the amount we agreed upon and If the check was cashed this debt was to be documented as paid Im there system once they cashed the check they called me and said I still have a balance of XXXX dollars and I told them I paid what we agreed upon and 2 weeks later they reported to the credit bureau that this account was in collections. I sent them copies of the check and letter as proof and they have not responded.
Consumer complaint received 2019-05-21
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. (MD)

Transunion. They would not remove my fraudulent inquiries. It was not me. 
TRANSUNION 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 XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX There we no actions taken at all!!
Consumer complaint received 2018-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HOME FINANCING CENTER (FL)

I had a first mortgage loan with Home Financing Center in XXXX XXXX Florida which I paid off with a refi from another institution. The closing with the other institution took place on XX/XX/XXXX and Home Financing Center received the payoff on XX/XX/XXXX. I had approximately XXXX in escrow with Home Financing Center and they have not returned those funds to me or to the other institution. I have emailed them, I have called them and approximately a month later they have not returned my funds. This is unacceptable and can not be allowed to happen. 

XXXX XXXX loan number XXXX
Consumer complaint received 2020-10-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: MECHANICS BANK (AZ)

XXXX XXXX ( Mechanics Bank  ) uses an app for loan payments. There is no way to adjust the payment amount to pay more than the minimum amount. If you want to pay extra, you have to send multiple payments. Quite often, if I send two identical payment amounts, the second is ignored. They make it super difficult to payoff the loan early by also limiting monthly payments to {$2500.00} dollars a month. I wasnt told that extra payments dont just go to Principal. I had to figure that out myself because there is no way to mark a payment as principal only on their app. When I asked how to get my extra payments credited to principal only, I was told I had to email every time after the payment and ask for it to be credited to principal. I started doing that in XXXX. The loan was initiated in XXXX this year. Over half the time, my payment still has not been credited to principal. My next loan payment currently isnt due until XXXX of XXXX because of these errors. I emailed multiple times to get this fixed. I was finally told to call customer service which I did on XX/XX/XXXX. They told me I have to email after every payment again and refused to fix my loan payment history to credit the extra payments to principal only.
Consumer complaint received 2022-04-01
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. (VA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 2019-05-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lendmark Financial Services (GA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
Consumer complaint received 2018-06-14
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: Experian Information Solutions Inc. (GA)

With your help I submitted information explaining this is not my account. My son and I have the same name this is his account but its on my credit. 
Company : XXXX XXXX Account # XXXX Amount : XXXX Also please please please remove these unauthorized inquiries off my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALSO, THE ADDRESSES LIST ARE NOT MINE, HOWEVER MY EX WIFE LIVE AT THEM I'VE NEVER LIVE THERE PLUS WE WAS DIVORCE IN 1991. 
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 ALSO MY NAME IS WRONG ON THERE XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. PLEASE ONLY USE XXXX XXXX XXXX THANK YOU