davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Re : XXXX XXXX XXXX & XXXX XXXX XXXX Dear Sir or Madame : Your company recently investigated and supposedly verified the above referenced account. I have contacted this company recently via registered mail requesting " Validation ''. I have yet to receive a reply from them. Pursuant to the rights afforded to me by the FCRA, I am enclosing the letters and postal receipts for your consideration. The FCRA maintains that the reporter of the account validates the account with me if they wish to continue reporting it. The FCRA also states you must consider evidence supplied by me during the investigation process. However, this letter is NOT a request to reinvestigate. You are obviously investigating from a different source as I am, perhaps and old magnetic tape or automated response system. This letter IS a formal request for you to delete the accounts in question. The letters and postal receipts I have supplied as evidence clearly shows the reporter of this erroneous information can not provide any information linking me to said account. 

The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX That being said, you have three options : -Delete the accounts based on the evidence supplied by me -Provide the Procedures used to verify the account -Do nothing and face a small claims court lawsuit Note : A simple list of creditor names and numbers will not be considered Procedural Evidence - I request the exact means of verification along with the names and numbers of all individuals involved in the verification. I will state again for the record - The account is not mine and the reporter of the account will not verify. Please delete the account or provide the requested information. Please reply to my request with deletion or the requested information within 15 days as prescribed by law. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-09-10
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. (GA)

Hi I wanted to know if you all can help me. There are still some accounts on my credit showing that are not mine. Im doing this on my own. Some of the accounts did come off and some inquiries but some did not XXXX XXXX and the inquiries that are not mine are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

My name is XXXX XXXX owner of my XXXX grand mothers home. Her legal address of the subject property is XXXX XXXX XXXX XXXX, XXXX Fl. XXXX. I sold the home to the same purchaser over 12 months ago. From that time the bank without my permission accessed the home with their preservation team, cut down and mowed down thousands of dollars of plants and trees after we called the police twice, filed reports and my realtor notified their preservation team and their contractor MM mortgage. From that time the bank has agreed to a settlement for damages but Im waiting for them to settle. Furthermore the bank came back with a very inflated counter offer to the purchaser which was unsubstantiated from an appraisal standpoint. The purchase offer is {$260000.00}. The bank came back at {$330000.00}. Which I refuted and worked very closely with XXXX XXXX department head XXXX XXXX for over 3 1/2 months getting their own contractors bids to show there is over {$120000.00} worth of structural repairs needed for the property including roof decking, shingles, termite damage, under ground plumbing damage, mold, flooring, upgraded electrical service, kitchen and bath room remodeling etc. The 1st appraisal showed {$25000.00} in upgrades at the {$330000.00}. Price. Ounce we established the Home needs over {$120000.00}. As per Bayveiws own contractors bids, the bank still refused to reduce the price to meet the buyers offer. Can you please help me!!!!! 
Obviously something is very ascew. 
Thank you, XXXX XXXX ( XXXX XXXX XXXX
Consumer complaint received 2021-04-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (GA)

PayPal locked my account because they said my credit card was reported stolen however I have proof that it wasn't and have offered to show them I own it And they simply refused to take it or unlock my account. The email is XXXX XXXX
Consumer complaint received 2017-10-06
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Equitable Acceptance Corp (CA)

Equitable Acceptance called on XX/XX/XXXXXXXX to provide assistance in reconciliation for my XXXX XXXX  charging me a fee ; however, I 've been paying XXXX dollars on the XXXX of every month since the starting date XXXXXXXX. The document indicated it can be done for free but did n't provide information as to who the lender who be or new finance company. After speaking with XXXX they said the services are free and Equitable Acceptance is charging me a total of XXXX for the service.Also, I 've been in school the entire time ; therefore, my loans are in deferment but yet Equitable Acceptance continue to withdraw money from my account. Equitable Acceptance requested my XXXX card information over the phone failed to provide proper paper work.
The signature in the copy documents is not my signature.
Consumer complaint received 2017-11-17
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. (CA)

This credit repository is reporting incorrect, outdated information with regards to BANKRUPTCY CH-XXXX ref # XXXX. Item has been withdrawn last XX/XX/XXXX,  my social nor my date of birth is not showing in relation to this item, all of which was verified by the court. Clearly, this credit repository 's information/records are outdated and the item was never investigated as my credit report shows. I kept records of my credit report from the day I disputed this item and downloaded new reports and the incorrect information still is reporting. This is a violation of FCRA.
Consumer complaint received 2024-03-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BARCLAYS BANK DELAWARE (UT)

Someone showed up to my parents old house, claiming to be a debt collection lawyer and that I owed them. I do not live there, and they told the person they talked to that I owed them money, and were a debt collection attorney. While it may be an actual attorney, I doubt they would send one to an old address.
Consumer complaint received 2017-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: U.S. BANCORP (CA)

My last payment on an old credit card issued by XXXX XXXX XXXX XXXX now US Bank and now sold as debt to XXXX XXXX, was in XX/XX/XXXX making this debt passed the 6 year statute of limitations for debt collection in the state of Oregon where the credit card agreement/contract was signed. However U.S, Bank claims my last payment of {$1900.00} was made on XX/XX/XXXX, more than 3+ years passed my real last payment. Even more confusing, the debt collection account at XXXX XXXX was started on XX/XX/XXXX,  according to XXXX and XXXX. This doe n't make any sense. I have my bank statement from XX/XX/XXXX-XX/XX/XXXX and it shows no payments or deductions for anything near that amount or any cash taken out that would cover a payment like that. I did not make this payment. I believe it to be a shadow payment put on the books by US Bank to illegally extend the time limitations for almost 4 extra years. I called U.S. Bank recovery department 4 times, they have my account information. They REFUSED to provide me with any details of my payment history to prove that the {$1900.00} payment was a sham. They went as far as telling me that they where in no way obligated to provide me any information on my account about payments because I was no longer a customer and because the debt was sold. Now XXXX XXXX is now both buyer and assignee, which is also illegal. This debt is way passed the real statute of limitations time limit and the collection company refuses to remove it from my credit and the bank refuses to give any payment information to validate the debt, which is also illegal.
Consumer complaint received 2017-11-17
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. (TX)

On XX/XX/XXXX, I mailed a certified handwritten letter to XXXX ( tracking # XXXX ), Transunion ( tracking # - XXXX ), and XXXX ( tracking # XXXX ) requesting verifiable proof of the following accounts on my credit reports. 
Acct # XXXX, reported by XXXX XXXX XXXX, unverified late payments Acct # XXXX, reported by XXXX, unverified late payments Acct # XXXX, reported by XXXX XXXX, unverified late payments On XX/XX/XXXX, XXXX replied to my dispute however they did not provide me with the verifiable proof I was requesting ( copy is attached ). On XX/XX/XXXX, XXXX  and Transunion replied to my dispute however they did not provide me with the verifiable proof I was requesting ( copies are attached ). According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Im requesting Equifax, Experian, and TransUnion to remove the accounts listed above since they are unable to provide me a copy of verifiable proof.
Consumer complaint received 2016-03-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been dealing with this for years. I filed bankruptcy in XX/XX/XXXX. Several lenders reported falsely for some time which I finally was able to get corrected except for one lender. This lender would report false info and I would dispute it and then it would be corrected. I at a later time would then find out they reported the removed info again and I then would dispute it again and again it would get updated. Again I just found out they reported last month again using the previously erroneous info that was removed after I disputed it. I again filed another dispute today but I am getting tired of this game. This erroneous reporting is lowering my credit score. This is how I found that they did it again. I got informed from credit watch that my score dropped for no known reason. I pulled my latest credit report today to find XXXX has again reported the previously removed info showing a balance due and that the account is past due. They again changed the account closed date to XX/XX/XXXX when it was closed in XX/XX/XXXX and they are reporting that the account was re-affirmed after bankruptcy which never happened. Not only is the info they are reporting wrong it is an outright lie!
Consumer complaint received 2016-05-25
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (WA)

On XXXX/XXXX/2016 I deposited a check drawn on XXXX Bank, to Wells Fargo in Battleground, WA. 
I use Wells Fargo near my home in XXXX, WA. 
The branch in XXXX gave me a slip that says I could have XXXX of the XXXX in a couple of days, and the rest on the XXXX of XXXX. I told the person that wrote me the check about this and he showed me on his IPAD that the check had cleared his account on the XXXX. 
I called the XXXX branch yesterday and spoke with the manager XXXX, he said he would call Banner bank and see if it had cleared and if it had release my money. He never called me back. I called Wells Fargo customer service and they said they could no help, that the branch that issued the hold had to release it and got them on the phone a few minutes ago, I spoke with XXXX. She said that the issuer would have to show her his statement and she would then release the funds. 
Since the check has cleared, and Banner bank will not discuss the check with Wells Fargo, as I do n't bank with Banner, I have the money I need and earned sitting in Wells Fargo gaining interest for them. XXXX at Wells Fargo said she had no way at the branch that the funds were ready to release to my account. I find that hard to believe, anything you can do to help would be great. As a consumer my money should not be hijacked for 10 days, it 's stealing.
Consumer complaint received 2017-10-06
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. (CA)

I finally got the non deniab fact, and proof of it. XXXX XXXX who am complain about sent me the paperwork I needed. Turn out it was a bad check that they are trying to recover for. California has a statue of limitation of two years on checks, and bad checks do n't belong on my credit report. Thank heavens I did my own investigating on this matter.
Consumer complaint received 2017-10-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stallings Financial Group, Inc. (NV)

I was NEVER notified of debt!! According to credit report debt is {$220.00}. Stallingsfinancial never notified me ... never received any correspondence of debt. Stallingsfinancial has now posted debt on my credit report files.
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY (CA)

I am applying for a air conditioning company and I was not able to get in because of a criminal record I had 11 years ago I believe it was supposed to be off my record by now? I would really like to get into this company
Consumer complaint received 2017-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (MO)

XXXX is blocking me from enabling external applications. 

It is my understanding that The Consumer Financial Protection Bureau makes sure banks, and other financial companies treat you fairly by giving access to financial data. I have already sent a message to XXXX and hope that you will enforce as well that they need to give me access to my financial data.
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: CAINE & WEINER COMPANY, INC. (OH)

Cain & Weiner sent me a letter full of FCDA and FCRA violations after I sent them a cease and desist letter and affidavit telling them to remove all things off of my credit report. They caused defamation of my character, destroyed my reputation by submitting data on my consumer report without my consent which they stated in there letter. And stated they were attempting to collect a debt even after they deleted there reports. They admitted to there wrong doing and agreed they were in the wrong to all forms I submitted to there company. And it caused me to miss out on a lot of opportunities such as car loans, house opportunities etc. due to there mistakes. I am seeking Remedy of XXXX per violation with a total of XXXX and XXXX for assessed damages of emotional stress, defamation of character and unseen injuries.
Consumer complaint received 2017-10-06
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (ID)

I noticed my balance had not been reflected correctly on my XXXX report in regards to my Wells Fargo Dealer Services loan. The balance was reported on XX/XX/XXXX as {$8200.00} which was my previous balance in XXXX, not the current balance which was supposed to be reported for XXXX. My balance as of XX/XX/XXXX ( XX/XX/XXXX days prior to my payment due date ) was {$8100.00}. I called WFDS customer service to inquire as to why it had not been updated as I thought it was not updated at all. She told me that they had already submitted it, then I realized after speaking with a XXXX rep that they are reporting the balance incorrectly, but WFDS will not make any changes. They are very stubborn about this situation.
Consumer complaint received 2017-10-06
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: Experian Information Solutions Inc. (IN)

1. Company name : XXXX/XXXX on XX/XX/XXXX.  I did not apply for any services from XXXX. I do not know who has my information but I did not authorize this. 

2. Company Name : XXXX XXXX XXXX on XX/XX/XXXX I did not apply for any services from this company and did not authorize this. I was in the process of buying a home and could not apply for anything at all. 
3. Company Name : XXXX XXXX/ XXXX on XX/XX/XXXX I did not apply for any services from this company and did not authorize this. 
4. Company Name : XXXX XXXX on XX/XX/XXXX I did not apply for any services and did not authorize this. 
5. Company Name : XXXX XXXX on XX/XX/XXXX I did not apply for any services with this company nor did I authorize this. 
6. Paid Tax lien of {$64.00} from XX/XX/XXXX. I spoke with a rep from XXXX about this and they refused to help. This was removed from my other credit reports and they would not let me explain anything or try to resolve this issue. My other Paid tax lien for a larger amount was removed with out a problem. 

Any my address is definitely incorrect.
Consumer complaint received 2017-10-06
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: EQUIFAX, INC. (IN)

1. Company name : XXXX/XXXX on XX/XX/XXXX.  I did not apply for any services from XXXX. I do not know who has my information but I did not authorize this. 

2. Company Name : XXXX XXXX XXXX on XX/XX/XXXX I did not apply for any services from this company and did not authorize this. I was in the process of buying a home and could not apply for anything at all. 
3. Company Name : XXXX XXXX/ XXXX on  XX/XX/XXXX I did not apply for any services from this company and did not authorize this. 
4. Company Name : XXXX XXXX on XX/XX/XXXX I did not apply for any services and did not authorize this. 
5. Company Name : XXXX XXXX on XX/XX/XXXX I did not apply for any services with this company nor did I authorize this. 
6. Paid Tax lien of {$64.00} from XX/XX/XXXX. I spoke with a rep from XXXX about this and they refused to help. This was removed from my other credit reports and they would not let me explain anything or try to resolve this issue. My other Paid tax lien for a larger amount was removed with out a problem. 

Any my address is definitely incorrect.
Consumer complaint received 2024-03-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc. (TX)

This is what I got from XXXX Specialist Hello XXXX, I see that you contacted the XXXX Resource Center about your loan that went to a foreclosure sale. We ( HUD ) dont supersede State foreclosure procedures. If you have questions about the foreclosure sale that took place you must contact the foreclosure department at the lender or the foreclosure attorney that is representing the lender. When you received a partial claim back in XXXX in the amount of {$40000.00} you have already maxed out the full 30 % allowed for a partial claim on your loan. The ticket will be closed. 
Thanks, XXXX XXXX XXXX SO MY QUESTION TO XXXX I would like to speak with a supervisor or upper management regarding this matter. And just to be clear you said I maxed out my partial claim in XXXX so why was I approved for a partial claim in XXXX and also extended in XXXX all through XXXX why did I qualify for a partial claim was this a trap from XXXX? to foreclose on my loan as they did to many other loan borrowers? I need an answer ASAP I have gathered all my evidence and if this is not looked into I will have no choice but to take this further. Thank you for your time. 
what I was told during the pandemic was totally false and lies to rob me into foreclosing on me. I was told the loan would be put at the back of the loan and would be extended for the many years I was not paying, if the loan was supposed to end in XXXX the loan would now end in XXXX if it was 3 years the loan was delinquent. That was what I was told by XXXX XXXX and XXXX XXXX told this to millions of their customer. That was what the federal government was selling to vulnerable people like me. Millions of customers have lost their houses due to these lies I will NOT be a victim I will burn this house down before I allow the government to take this house. I have lived here 20 years this year now you want to tell me I don't have maxed out of the partial claim? where is the XXXX XXXX PLANS PROMISE TO VICTIM LIKE ME?