davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-19
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: Amsher Collection Services, Inc. (NV)

On XX/XX/2021 at XXXX XXXX, I spoke with Amsher Collections via telephone number XXXX regarding a hit on my credit report not belonging to me. During the conversation with the creditor they told me the account belongs to someone other than me and that they could not discuss the details with me. I asked to speak with a manager and got XXXX XXXX XXXX who identified himself as a manger. I told XXXX I was in the process of buying a house and that this falsely reported tradeline needs to be removed from my credit immediately. He told me the account does not belong to me and the only way I could remove the account is to contact the credit reporting agencies. I further explained to him that their company is knowingly falsely report on my credit which is against the Fair Credit Reporting Act and he told me there was nothing he could do.
Consumer complaint received 2023-02-23
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. (NJ)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S| Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-03-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

Abusing an escrow account stating that my escrow was short and additional money need to be added in order to pay my insurance company. I have my year to date statement which states my escrow amount was {$1400.00} my insurance payment was {$1000.00}. I asked them where did {$400.00} and they informed me that it was never there. Also when I was taking to get out of the loan they informed other agencies I was a high risk. Until interest rate down I want to be removed from their escrow because it's a scam. And a full investigation on my extra funds from my escrow.
Consumer complaint received 2018-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I requested a validation letter showing my social security number, my texas identification number and my signature and company failed to do so, they send me a letter with only a name saying XXXX XXXX and a signature thats not mines and nothing else i will like this removed out my credit report immediately due to incorrect verification, if failed to do so i will be filing a lawsuit for having incorrect information on my credit report and not verifying correctly wit all the correct details you are damaging my credit worthy ...
Consumer complaint received 2017-12-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MA)

XXXX XXXX Message body To Whom it may concern ; XX/XX/XXXX I was coerced into what turned out to be a predatory loan, in XXXX. I could n't afford the loan and expressed my concern to the broker., who placed in writing that if I could make payments for a year, he would get me a loan with a lower interest rate. This did not happen. I maintained the payments with great struggle for a year as requested. I was not able to continue paying the payments, my business had slowed down greatly and the money was not coming in to make the payments. Then in XXXX I became XXXX, I applied for a loan modification for a lower interest rate. After several attempts got absolutely nowhere. No one would talk to me. So I went to a govt agency for assistance, they worked with me to apply again for the loan modification. Resulting in their conclusion that the bank was deliberately trying not to help me. 
I finally received XXXX but that was no where near any amount that could help me pay my payments, forcing me into bankruptcy. 
Not paying any payments- the bank has since decided to foreclose. I have hired a company to do a forensic study on my mortgage -which resulted according to their conclusion, that are many violations and foreclosing would be fraudulent. There is proof of electronic violations, the original note has been lost or destroyed, note and deed of trust have been separated, the right party to foreclose must have in and original note as well as deed of trust to foreclosure. In this case no one entity does. Therefore foreclosure is deemed fraudulent. Please contact me as soon as you are able any assistance you can send my way is greatly appreciated - I want to stay in my home of 30+ years. Thank you - respectfully, time is running out. none of my documents on the computer, So I can not download and send docs to you. I can fax them to you if given a fax number you have access to. please advise thank you.
Consumer complaint received 2022-04-26
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: EQUIFAX, INC. (NJ)

Monday XX/XX/2022 I called Equifax after applying for an apartment and the apartment saying they couldnt pull my credit report. I spoke with a rep who verified me with a link where I uploaded my drivers license ( front and back ) and a selfie to prove my identity. He then said everything was fine on their end, no freezes or issues, and that it must be the rental agency. The rep said I could create an account and pull it myself so I attempted it while on the phone with him. I immediately got an error code NH which means no hit so I wasnt able to access the report. The rep said he would escalate the issue but Im now at risk of losing out on the apartment if they cant pull this report. They refused to email me the document or get me immediate access.
Consumer complaint received 2017-12-14
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: Mercedes Benz Financial Services (CA)

In XXXX of XXXX Mercedes Benz Financial Services agreed to change my payment due date to the XXXX of the month instead of the XXXX. Since I was hospitalized and due to me recovery I needed to push the date my payment would pull from my account. I never had a late payment with this company before. They sent me a letter confirming the payment date change. In XXXX I made my payment online on XXXX XXXX they did not pull it until XXXX XXXX, which still would 've been 23 days. They then reported a 30 day late payment to the credit bureaus. When I called them regarding this they then told me my payment date was changed back to the XXXX. I was then told that they would make the change and removed the derogatory, they told me to send my request in writing which I did. I recently receive a second letter telling me that my date was changed back to the XXXX of the month. Then a second letter stating that they are not going to remove the derogatory, this is unethical and unprofessional. I have written to them and tried to call to no avail.
Consumer complaint received 2017-12-14
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Pendrick Capital Partners Holding, LLC (AZ)

Fair Debt Collections Practices Act ... .was violated on XXXX/XXXX/XXXX at XXXX and on XXXX/XXXX/XXXX at XXXX when this company called XXXX XXXX XXXX attempted to contact me again after I told two people for the company to cease and desist all calls ... .seems that they have a third party company from XXXX contact you first then your transferred to a rep at XXXX XXXX XXXX ... .I told them to cease all calls on XXXX/XXXX/XXXX at XXXX call duration 1minute 12sec ... .I felt threatened and harrassed by this company ... .I want to be compensated asap
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I order my credit report from Equifax it reflects I have a negative balance of {$5600.00} a credit limit of {$35000.00} and balance of {$41000.00}. XXXX  no one in the company may know the issue has to deal with them migrating from one system to the next but as through out the whole day. I have been on hold then dropped io the survey. No one has been able to assist to me, unable to verify me or some can either way no answer, no correction and I end up In the survey. I believe there up date has dropped my credit score. My credit limit is not over the limit. I do not have a credit limit of XXXX. The change of their system has impacted me financially, and emotionally. I also ordered the credit monitoring service for {$9.00} because I thought it would be more detailed then the free one they offer which doesnt list the name of balances of creditors just lumps it together. But I paid {$9.00} to look at the same screen that gives me no information. The agents said they could not see any information either. I called to cancel several times they could not locate my account but I have the email to prove I Subscribed. I have the payment holding.
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PARSON BISHOP SERVICES, INC (NC)

Recieved an alert for a collection I have no knowledge of or what it is in regards to by PARSON BISHOP SERVICES has flagged your account as Collections on XX/XX/2021Was never informed on what or with who this is concerning.
Consumer complaint received 2021-04-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (TX)

I have so many companies I don't know or ever even heard of destroying my great credit. Even my own lease account with chase has filed many times over one late fee I refused to pay due to them being closed during covid. The phones did not work, app did not work. There was no way to pay them for 3 months or more. I payed the entire balance immediately the first time I was able to get them on the phone. They filed on me with chase, JPMorgan Chase and JPMorgan. 3 times! I also have banks like XXXX XXXX filing many times. I've never once done business with them nor ever used them to finance anything whatsoever. Many others too I don't know. XXXX, XXXX, JPMCB, XXXX XXXX ( no associations ), XXXX ( no association ), XXXX ( don't know them ) Credit Bureau 's are negligent and walk all over good people. I have one car through chase that is payed up, all other bills are payed on auto draft too and never filed against my credit. What is going on? I even pay extra for XXXX XXXX to fight for my identity and credit protection. It's proving to be a losing battle. I'm so tired of this. I even had a person call from XXXX XXXX  pretending to be a federal agent and said all my accounts would be closed due to drug trafficking charges. The warrant was fake along with every other detail. 
Stop this nonsense for God sake, help me please. I'm at the end of my tolerance for Credit Bureaus and Bank scandals. I'm doing what I'm supposed to be doing. I don't deserve this.
Consumer complaint received 2017-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have disputed XXXX on my report several times. The account are old, closed, and have been transferred to another lender. They are reporting the old late payments on the account as well as reporting current and {$0.00} owed. I have requested and disputed the be removed as the new servicer shows the exact same information and the refuse to remove it. It is causing undue hardship as I am trying to build my credit and eventually purchase my first home. I feel it is unfair for two companies to be reporting the same account one as closed the other as an open account.
Consumer complaint received 2017-12-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

portfolio recovery associates is stating I owe several debts. The first debt is in the amount of {$390.00}, the second one is in the amount of {$630.00} and the last one is in the amount of {$520.00}. I have repeatedly disputed those claims several times via mail, XXXX XXXX, and XXXX XXXX XXXX because these are not my debts and fraudulent activity with the accounts. Portfolio recovery associates also restarted the clock on two of the accounts from XXXX to XXXX. I have only received letters from portfolio recovery associates regarding the debt of {$630.00}. Which I do not own that debt either. The first letter was suppose to be verification of the debt but it was not verification only bill information. I have not received anything for the other 2 accounts at all. Every time I dispute them they add a different remark on my credit as to why they did not delete the account. The last 2 times I disputed them I havent heard back for them on either of the accounts. I do not have a contract with them and I do not own either of these debts. I am also currently disputing them again.
Consumer complaint received 2022-01-08
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)

Hello, i been requesting to confirm unknown accounts in my report. also i it showing some inaccurate accounts in my report. unfortunately i have not received any response. I had send letters in XX/XX/2021, XXXX, XXXX, XXXX and i will send a new request this month. i had send proof that account is reporting inaccurate but no responses.
Consumer complaint received 2020-11-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (MD)

XX/XX/XXXX I purchased a car and was financed through Santander. My load matures XX/XX/XXXX, I placed a car to confirm the maturity date on XX/XX/XXXX and it was confirmed. I received a call this morning XX/XX/XXXX and told " I now owe {$8900.00} and have to pay it by XX/XX/XXXX or take out an additional loan for the balance and it will extend your loan for 2 more years or we will report your loan late until you pay off the additional fees ''. I have no late payments for the life of the loan and have no additional penalties unless i paid the loan off early.
Consumer complaint received 2017-11-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (WA)

I purchase ETH on XX/XX/XXXX for the amount of {$4600.00} and then they suddenly suspended my account on XX/XX/XXXX and refunded my money. I asked them several times to reopen my account but they do not respond back to my emails. 

They do not provide phone number to contact them.
Consumer complaint received 2021-10-19
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: PNC Bank N.A. (AL)

PNC DEBT COLLECTIONS HAS CALLED ME AND STATED THAT IT WAS A FILE ON ME AND I HAVE UNTIL XXXX TO RESPOND AS IF IS A LAW CASE. THEY ARE MISREPRESENTING THE DEBT COLLECTOR LAWS AND ARE INVOLATION OF DEBT COLLECTION LAWS
Consumer complaint received 2021-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

On XX/XX/2021 I called Bank of America to ask about overdraft fees. I knew my account was overdrawn & wanted to know if I could mitigate the damage. 

I specially asked about posting order of transactions. The agent said there was no way to know what order the transactions would post to my account. 

On XX/XX/2021 I called to ask about the 3 overdraft fees that were assessed to my account. I asked why the transactions were posted in an order that charged me 3 overdraft fees when they could have been posted in an order that would only have charged me 1. The agent & supervisor both very specifically explained the exact process and methods used to determine posting order. Information that was intentionally withheld from me the prior day. 

On XX/XX/2021 I specifically asked the supervisor I spoke with XXXX ( sp? ) which government agency I contact to file a complaint about the fees assessed on my account. She said they are not governed by a federal agency. She told me there wasn't anywhere I could file a complaint about the fees that were assessed. 

I contend that Bank of America intentionally withheld information to mitigate their risk of loss and increase their profit margin. I stated in my call on XX/XX/XXXX that it was very unlikely that I would be able to fix the entire overdraft and bring my account to a XXXX  balance. I deposited as much as I could hoping for 1 overdraft fee as opposed to 3 or 4. Bank of America should have helped me make a more informed decision about my overdrafted account. 

On XX/XX/2021 I called asking for help making an informed decision about my account and the overdraft status. Bank of America provided me with limited & incorrect information to serve their best interests. On XX/XX/2021 Bank of America stated that the incorrect information that I was given was irrelevant to the fees that were assessed. They did not care because it did not create a cash flow problem for them. The misinformation did not hurt them.
Consumer complaint received 2017-12-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (FL)

Reference ID : XXXX I received {$460.00} in my account on XX/XX/XXXX. My account was limited and I had to wait XXXX. I received an email stating my account is eligible for withdrawal. I tried adding my new bank account and credit card and, was n't able too.Check request is not an available option.I called customer service and which they requested me to upload the new bank statement and ID so they can add the bank on their end since the bank on file is no longer active. They stated they not able to issue a check. On XX/XX/XXXX I received an email stating they can not add my bank do to the limitation on the account and that I have to contact legal services for help.
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I had recently finished XXXX XXXX and I was applying to every job search engine I could. I was under tremendous stress from both parental and employment factors to find a job using my education. On XX/XX/2015 I was contacted via email by a woman named XXXX XXXX from a company called XXXX XXXX. She said she was from the HR department and that she found my resume on the internet. She also like my education and job experience. The position was for entry level management in logistics, which was right up my alley. She asked me to fill out an application via email and that she would review it and get back to me. She said the company reviewed my application and they wanted me to begin initial online training. I was assigned a training manager by the name of XXXX XXXX. He had my do various exercises and we began a training process. Once training progressed, XXXX told me I would be purchasing items they would need to open other offices around the US. He told me to temporarily apply funds from their corporate account to my XXXX XXXX credit card until I was given a corporate card from the company. I was given addresses of where to send the items I purchased and report to XXXX upon completion of each assignment. Roughly 4 weeks later XXXX XXXX reached out to me and wanted to speak with the account holder and not thinking anything of it, I told them no problem. I have been worrying with XXXX XXXX and it is their corporate account. When I tried to reach out to XXXX and XXXX they were unreachable. The company website was useless, all phone numbers were useless and email communication suddenly stopped. I felt like I had just been kicked in the stomach. I was the victim of an employment scam and I didn't even see it coming. I tried to explain this to XXXX XXXX and they didn't care. They just said I was responsible for the money. Roughly XXXX XXXX dollars was dumped on my card all at once. I told them I couldn't afford to pay that. They couldn't care less. I have tried debt settlement to no avail. I tried challenging and disputes. All failed. I have been dealing with this for 4 years and it is devastating to my credit score and my ability to to move on with my life. I just need help.
Consumer complaint received 2021-01-26
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: AMERICAN EXPRESS COMPANY (CA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Inquired on XX/XX/2019 XXXX  Inquired on XX/XX/2019 AMERICAN EXPRESS Inquired on XX/XX/2019 But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Consumer complaint received 2017-12-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Wallace Management Company, LLC (OK)

Got a small loan through XXXX XXXX and lost my job they did n't work with me took me to court I tried paying it and just could n't make the payments they want i got a new job and they keep calling my work place even after I have ask them to stop now I am about to lose my new job.
Consumer complaint received 2020-11-30
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. (UT)

I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened!