davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-19
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: EQUIFAX, INC. (NV)

CREDIT REPORTING COMPANY XXXX, EQUIFAX, AND XXXX SHOWING WRONG INFORMATION ON MY CREDIT REPORT. 
MY ADDRESS IS WRONG AND MY PHONE NUMBER IS WRONG, I GUESS IT'S FROM IDENTITY THEFT. THEY STEAL MY INFORMATION AND APPLY FOR SOME CREDIT CARDS. I ASK TO REMOVE ON CREDIT REPORT AGENCY ALREADY AND I HOPE THEY CAN REMOVE OR DISPUTE ON MY CREDIT REPORT. 
I'M VERY SAD AND WORRIED ABOUT MY SITUATION. I APPLY A SENIOR APARTMENT AND I FIND OUT OUT WRONG INFORMATION ON MY CREDIT REPORT THIS YEAR. PLEASE REMOVE THIS. I HAVE NEVER HARMED SOMEONE AND DONE BAD THINGS BEFORE. WHY DO I HAVE OTHER PEOPLE 'S INFORMATION ON MY CREDIT REPORT THAT IT MAKES ME HORRIBLE TIME? PLEASE REMOVE IT FROM MY ACCOUNT. I'M ALREADY SAD AND HOPELESS NOW. PLEASE DO NOT HURTS ME NO MORE. THANK YOU.
Consumer complaint received 2020-07-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ralis Services Corporation (CA)

I refinanced my mortgage with Owning Corporation. I got very good service up until the day I signed all the paperwork to close on the refinance. 
Since that day, I haven't been able to talk to anyone, after several emails back and forth, I got my closing disclosure etc. 

ISSUE : Owning Corporation refuses to respond to my queries regarding when and how I should make my mortgage payments. 
I have called several times and no one picks up/answers my calls. I left messages and no one responds. 
Several weeks ago, I was able to talk to someone and they indicated that I would get something in my mail in XXXX indicating how to make mortgage payments but I don't have anything in my mail. I still don't know how to make my mortgage payments. 
Email response to my query resulted in a link shared by Owning with Closing disclosure again but no information on how to make my payment. 

ISSUE SUMMARY : My payment is due early XXXX but I believe Owning is intentionally not providing me information on how to make my mortgage payment.
Consumer complaint received 2022-09-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2022 my wife 's debit card account was compromised by scammers. My wife never gave out her password nor did she ever lose her card. Her account was linked to our joint checking account. They transferred {$10000.00} from our joint account to her debit card account. Then they withdrew more than XXXX individual withdrawals of {$39.00} on some sort of an XXXX XXXX card. We notified Wells Fargo bank of the fraud before they ever contacted us. My wife does not have nor has ever had any kind of XXXX XXXX. The accounts were with Wells Fargo Bank and we have tried to get our money back through Wells Fargo. They have insisted that my wife actually withdrew the money and therefore Wells Fargo will not return our {$10000.00}. There is no evidence that they have provided to back up the fact that they insist we withdrew the money. 
I will be happy to provide more detailed information if it is requested.
Consumer complaint received 2022-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

CREDIT REPORTING COMPANY XXXX, XXXX, AND TRANSUNION SHOWING WRONG INFORMATION ON MY CREDIT REPORT. 
MY ADDRESS IS WRONG AND MY PHONE NUMBER IS WRONG, I GUESS IT'S FROM IDENTITY THEFT. THEY STEAL MY INFORMATION AND APPLY FOR SOME CREDIT CARDS. I ASK TO REMOVE ON CREDIT REPORT AGENCY ALREADY AND I HOPE THEY CAN REMOVE OR DISPUTE ON MY CREDIT REPORT. 
I'M VERY SAD AND WORRIED ABOUT MY SITUATION. I APPLY A SENIOR APARTMENT AND I FIND OUT OUT WRONG INFORMATION ON MY CREDIT REPORT THIS YEAR. PLEASE REMOVE THIS. I HAVE NEVER HARMED SOMEONE AND DONE BAD THINGS BEFORE. WHY DO I HAVE OTHER PEOPLE 'S INFORMATION ON MY CREDIT REPORT THAT IT MAKES ME HORRIBLE TIME? PLEASE REMOVE IT FROM MY ACCOUNT. I'M ALREADY SAD AND HOPELESS NOW. PLEASE DO NOT HURTS ME NO MORE. THANK YOU.
Consumer complaint received 2022-05-02
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-05-02
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2023-01-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sunlight Financial LLC (KY)

Got a loan to buy a solar electric system with Sunlight Financial. Terms of the loan when E-signed were for $ XXXX. I set auto pay for {$200.00}. 
The expected payment ( changed by Sunlight of whatever entity they sold the loan to ) is suddenly $ XXXX, but the auto withdrawal continues to be {$200.00} as arranged by me in the beginning of the loan. I had no idea of this rate change and continued to have {$200.00} taken out of my account for almost three years. 
I can never pay this off at their new undisclosed rate! 

I'm a XXXX XXXX XXXX Veteran and am locked into a monthly income. I got the system based on my ability to pay {$200.00}. 

XXXX XXXX sold me a lemon system that didn't even work for over two years. 
Now they've gone into bankruptcy and I'm hooked into this fraudulent ever increasing loan.
Consumer complaint received 2023-04-06
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. (NM)

This is my further Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX XXXXXXXX Balance : {$4300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$740.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-08-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bepensa Capital, Inc. (FL)

Credito Real USA is reporting a debt on my consumer report. I disputed the debt, in which they responded to me advising that the debt is owed. I responded to Credito Real USA conditionally accepting their claim and advising them that I wanted to settle the debt as soon as possible and asked for additional information, however they refused to comply with providing me with my request and they refused to remove the debt from my consumer report damaging me and my credit and my family. I have been in honor and they're acting in dishonor making threats that they will not respond to me any further and advising me that my letters to them are " frivolous '' and " repetitive ''. They claim they have answered me via certified mail and failed to provide any tracking number or anything that supports their claim and the debt continues to damage me and my ability to purchase a home for my family and me. I have done all in my power to attempt to ethically pay this debt.
Consumer complaint received 2021-11-30
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX - XXXX account was never late on XX/XX/XXXX and XX/XX/XXXX You are also reporting the wrong account number XXXX VERIFY AND REMOVE INACCURANTE INFORMATION XXXX XXXX XXXX - Wrong ACCOUNT NUMBER XXXX XXXX XXXX XX/XX/XXXX Account was never late nor/Charged -off. 
XXXX XX/XX/XXXX account was never late VERIFY AND REMOVE XXXX XXXX XXXX XXXX XXXX  Wrong Account Number : XXXX XXXX - XXXX through XXXX account was never late nor charged -off XXXX - XXXX, XXXX, XXXX, XXXX, and XXXX - account was never late nor charged -off. 
VERIFY AND REMOVE INACCURANTE INFORMATION XXXX XXXX FS -Wrong account Number : XXXX XX/XX/XXXX and XX/XX/XXXX Account was never late VERIFY AND REMOVE INACCURANTE INFORMATION
Consumer complaint received 2021-06-07
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 (PA)

On XX/XX/2021, PayPal closed my account as part of Reference ID : XXXX for what they determine to be a violation of their user agreement. At this time, I was informed that they would be holding the {$20000.00} currently in my account for up to 180 days. At this time I filed a CFPB complaint, which PayPal responded to and said their decision was final and that my money would be released on XX/XX/2021. 

Since this time, PayPal has, unprompted by me, reviewed the account again, and has issued me a second shutdown notice, Reference ID : XXXX, and told me that my money would be held for 180 days ( presumably from this new date ). 

They have now reset the clock on the hold, and can presumably do this indefinitely with no recourse on my end. This amounts to theft. The money in my account is there as a result of a refund that arrived the day before I was shut down, and is not even related to the reason they have stated for closing my account.
Consumer complaint received 2021-12-01
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. (WA)

I am consumer overstanding my right 15 USC 1692. This is grounds for violation. I demand this to be removed from my credit file immediately.
Consumer complaint received 2020-07-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

My mortgage loan was sold to flag star bank approximately XX/XX/2019. I was not notified properly of this and was dinged heavily on my credit report because of this. I was on XXXX  XXXX   and had a direct deposit that was set up from my the prior loan company that was not transfered over and the main reason whyy mortgage payments were not paid. I was never late on a mortgage payment prior and had a perfect credit score of XXXX between the three credit bearaus prior to this. I found out my mortgage company was transfered only when I noticed that my credit score went down. I reached out to the company that reported the late payment flagstar bank only to be notified that my mortgage was transfered in XXXX. I told the representative that I had not recieved any notification of this and while being on the phone with him we realized that they did not have my phone number nor my email on record to notify me. I was told that postage mail was sent tp notify me but I told him that I do not open mail I do not have official business with as I recieve a lot pf junk mail nor was I home because i was on XXXX XXXX  elsewhere. Either way made the payments hesitantly hoping the credit error from the mis-communication would be fixed pending payment which was never done.
Consumer complaint received 2020-12-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (OH)

I received a Wells Fargo Bank Transfer statement in the mail. I called Wells Fargo and told them we had cancelled my application in XXXX 2020. I spoke to my bank credit card department and was told that the {$56.00} purchases and adjustments they charged me would be cancelled and there would be no balance transfer. I received a bank statement from XXXX XXXX  that Wells Fargo did a balance transfer. The amount was never discussed and I had not approved of this transter. I called Wells Fargo and was told there was nothing they could do, today, XXXX XXXX, 2020. 
I do not want Wells Cargo balance transfer. I told Wells Fargo unless I can get the entire amount {$2500.00} paid in a balance transfer, I would not agree to their transfer.
Consumer complaint received 2019-03-19
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: Navient Solutions, LLC. (CA)

I enrolled into a student loan consolidation company in XX/XX/2018 which was called The XXXX XXXX XXXX. I supplied the XXXX  with all necessary documentation to consolidate my student loans along with my bank information to make monthly payments to the XXXX while they consolidated my loans. XXXX  was to pay minimum balances on student loans and or place them on hold or in a forbearance until the consolidation process was complete which I was told by XXXX  would take up to 6 months. Fast forward to XX/XX/2018 I pulled my credit to find out XXXX  did not make any payments to my student loans causing them to default. XXXX  also changed all of the my contact information to their contact information therefore I was not notified. I discussed this issue with XXXX   and they agreed it was an error on their part and even submitted an " At Fault '' letter to all 3 credit agencies and the credit agencies have denied removing the negative remark on my credit report.
Consumer complaint received 2018-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (NJ)

In XX/XX/2011 I enrolled in XXXX University and to cover tuition took out approximately {$6800.00} in federal student loans ( loan information attached ). In XX/XX/2011 I withdrew from the University ( withdrawal confirmation attached ). I recently received notice that the tuition amount, despite being covered by Federal student loans which I am paying, was sent to collections and is attempted to be collected on by a collection agency ( see attached credit report ). Not only is this debt illigitimate, it is being incorrectly reported on my credit report for a much higher amount as well as an incorrect date.
Consumer complaint received 2022-02-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Stenger & Stenger, P.C (MI)

I attempted to contact the original debt entity during the beginning of the pandemic for payment plan assistance, and they flat out said nothing was available. Their website clearly says that during the pandemic we are here to assist 24/7 a complete lie When I attempted to contact them today, I was transferred to a law firm who now represents this entity.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (UT)

West Lake Financial is reporting erroneous lates on my credit file. These lates are from XX/XX/20, XX/XX/20, XX/XX/20. During this time i was going through financial hardship due to COVID. My hours were cut at work and i struggled to make the payments. I called and made the payments as soon as i could to try an avoid a late notation but when i checked my credit file i noticed the late notations. Under the federal mandates, CARES ACT, you can not report late during the pandemic or due to the pandemic. I also contacted West Lake and advised i was not able to make the payment due to COVID.
Consumer complaint received 2018-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I live in XXXX, FL and was affected by Hurricane Irma in XX/XX/2017. During that time I contacted XXXX XXXX and was advised that I can be placed on a 3 month forbearance plan that would NOT adversely affect my credit due to the natural disaster assistance. I accepted the plan and made payments accordingly. However, to my surprise, XXXX reported my XX/XX/2017, XX/XX/2017 and XX/XX/2017 payments late. This is an error and a violation under the Fair Credit Reporting Act. 

I am requesting for the 3 late marks to be removed as it has caused my credit score to drop drastically and is causing problems with the purchase of my first home. I expect this issue to be corrected promptly and I need notification of the same. 

You may check the phone records to review calls where I was advised that my credit would not be affected once I was placed on this forbearance. 

I contacted XXXX to resolve this issue and the agent said, I apologize that you were misinformed but there is nothing we can do. This is unacceptable and I feel that I was tricked into getting in the forbearance plan by the agent. If you look at my credit history all of my payments have been timely period to the 3 late marks reported in XX/XX/2017, XX/XX/2017 and XX/XX/2017.
Consumer complaint received 2023-04-06
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. (NJ)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2020-07-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX shows my XXXX credit card with late payments prior to being closed through bankruptcy. The card was under XXXX XXXX  and not a XXXX card.The card was in use thus proving payments not late as we would not be permitted to use a delinquent account.This account was never late but closed through the bankruptcy and payments were made via my XXXX XXXX account to XXXX XXXX   and with much difficulties to tracking at this late date and I only have access to check numbers not to who the check was made out to.If they can supply me with monthly due I will try to locate these payments NOT TO XXXX CARD OR XXXX XXXX!!! Thank you
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

As a federally protected consumer under the FCRA, I hereby exercise my right to opt out of any and all authorizations, whether provided in written, unwritten, verbal, or non-verbal form. I may have given written, unwritten, verbal, or non-verbal consent at some point and am now revoking consent. The commencement date of the account is XX/XX/2024 This action is taken in accordance with the following statutes : - 15 U.S. Code 6805 - Enforcement - 15 U.S. Code 6801 - Protection of nonpublic personal information - 15 U.S. Code 1666e - Notification of credit issuer by seller of return of goods, etc., by obligor ; credit for account of obligor - 15 U.S.C. 1666B - Timing of Payments - 15 U.S.C. 1681A - Accuracy and Fairness of Credit Reporting - 15 U.S.C. 1681B - Reasonable Procedures- 15 U.S.C. 1681C-2- Block of Information resulting from Identity Theft - 15 U.S.C. 1681E - Compliance Procedures- 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information - 15 U.S. Code 6803 - Disclosure of institution privacy policy - 15 U.S. Code 6801 - Disclosure of institution privacy policy Privacy Policy Act of 1974.

Thank you for your attention to this matter.
Consumer complaint received 2022-05-02
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Repeated calls, also calls to my parents. 
On the weekends calls at XXXX. As late as XXXX. Non stop, when I return calls they either dont answer or threaten, with garnishing wages. 
They immediately demand my SSN # and banking information. Never identify themselves until I ask numerous times. Its a debt collection services, Theyve put negative remarks on my score before speaking with me. Harassment and invasion on privacy.
Consumer complaint received 2023-04-06
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. (TX)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance XXXX {$910.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX Inquiry : XX/XX/2022 XXXX XXXX - XXXX XXXX Balance : {$910.00}