davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-01
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: CBC Companies, Inc. (TX)

I was disputing or correcting items on my Innovis credit report, when I accidently pressed the wrong item. There is no delete or edit button and therefore it goes through. 

I have had to call 33 times to ask to have this fixed and each time the credit reporting agency either hangs up, disconnects or tells me a mgr will call back. Either way this does not get done. 

Today XX/XX/2021 I called, XXXX answered, listened to me then hung up. I called back again for the 34th time. 

I just need the entry Disputes : XXXX XXXX XXXX dispute in progress ( added XX/XX/2021 ) to be deleted. 
They were given my id, police report and the letter faxed in explaining the detail. Even the bank asked to have it off the report. 

They continue to keep it is dispute mode. FCRA 605b says to be deleted within 4 days, this started 3 weeks ago and was requested with the additional information over 9 days ago.
Consumer complaint received 2021-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I call and talk to the nice lady XXXX I ask her if I could speak to someone in the office she said they the lady had my case on the desk and they are handling it. 

Seem like this company can't be trusted I see some of the same issue I am having For the monts Of XX/XX/2019, XXXX XXXX XX/XX/2019 XX/XX/2019 XXXX I sent my payments but they didn't process them the correct time and I remember when I ask the lady she said they will update everything they were working on their system it should be notes in there system.. 
I am asking that y'all please update these dates to pay as agreed because those days I paid in time y'all was having system problem I with from XXXX  later to XXXX not to XXXX Somthing not write I seen people in the pass had to get lawyers this is very stressful y'all already embarrassed me by putting the wrong information on my account and y'all still want fix these dates. Please please update those dates has pay as agreed I just to call and talk to someone but told I couldn't because you are working on my case these are the days that need to be correct thanks here is only people who had the same issue the money order get return you pay online it post the wrong time that's crazy please update my account i attached copies. Y'all have open dates all wrong y'all make me look real bad and I pay on time
Consumer complaint received 2021-02-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Service of Nevada (NV)

XXXX XXXX and collection service of Nevada. They have issued documents to for collections on night issue with XXXX XXXX XXXX XXXX XXXX live Nevada has not responded to my CFPB request.? XXXX XXXX in collection service of Nevada has illegally process a collection process. I have 4 other disputes West collection service in Nevada and they have not responded with the CFPB. I'm calling the CFPB to make an issue about collection service under that are not responding to the XXXX XXXX frame.
Consumer complaint received 2020-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Regarding Transunion : Nobody answers the phone when calling, even after being on hold for 45 minutes and longer, after navigating their nearly impossible phone tree. 

I am unable to log in to my account at transunion. When I request a password reset, it asks you to confirm your identity via SSN and last name. Their website then .... reloads that exact page, asking for SSN and last name again. I am unable to contact Transunion to log in and access my account. I am unable to contact them to reset my password. 

When you go to their website there is no way to contact them, via email or otherwise. 

Why is transuinion allowed to hold my financial information again? Did I ever give them consent to hold my credit XXXX, and deny access to my financial information? Nope.
Consumer complaint received 2023-03-28
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. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX Date Open : XX/XX/XXXX Balance : {$24000.00} and XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$1800.00}.
Consumer complaint received 2021-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc (AZ)

XXXX XXXX has repeatedly called me thru a pre-recorded phone call to my cellphone asking me to pay a past due amount on a membership that I requested to cancel numerous times already. I called in to cancel and they told me that it would be done. It was not completed. I called in again to cancel and they told me that I had to send an email to request cancellation, so I sent the email on XX/XX/2021. Then I received another pre-recorded phone call regarding a past due amount on Monday, XX/XX/2021. I called the number that was given to me during the message and asked again why I was being charged when I made numerous attempts to cancel this account. The gentlemen told me that they can not cancel the account while there is a balance because cancellations take effect 30 days after the request. I explained to him that the first time that I requested to cancel this account was well past 30 days ago. He stated I had to pay the balance and that the account will not be closed. They already took a {$84.00} payment from my account on XX/XX/2021 and they are still looking for more money. I have not used this membership and will not use it while there is a serious pandemic occurring. I explained this to the rep. I refuse to pay for a membership that I have not used and continue to request that it be canceled. Please assist.
Consumer complaint received 2022-04-27
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. (CA)

The Credit Bureaus stated ( XXXX XXXX  Account XXXX ) ( XXXX XXXX Account XXXX ) ( XXXX Account number XXXX ) ( XXXX Account # XXXX ) ( XXXX XXXX XXXX Account # XXXX XXXX, was properly investigated but how is that possible if the open date in inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal. They also violated my rights under 15. U.S.C 1681 section 604 A section : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 
I Have not given these accounts written permission to furnish these accounts on my credit report.
Consumer complaint received 2021-02-01
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

on XX/XX/2021 USAA submitted a " remark '' to the three credit agencies which caused my FICO score which averages over 800 to drop almost 100 on each agency. I contacted one agency and they were unable to tell me what the remark was and to contact USAA. I did and spoke top 3 depts including the " executive resolution '' dept and none could or would tell me what the " remark '' that obviously was derogatory was. This has to say the least done significant damage to my credit status.
Consumer complaint received 2022-04-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (ND)

On multiple occasions between XX/XX/XXXX and XX/XX/2022 I have contacted Wells Fargo for information on my XXXX XXXX mortgage loan. I have provided judge signed probate papers naming me as the estate administrator and they are still refusing to provide valuable information related to the mortgage loan. 

I spoke with a representative tonight, XX/XX/2022, who wouldnt give me payoff or payment date information.
Consumer complaint received 2020-09-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

My home equity loan under XXXX  XXXX went to a company called Select Portfolio Servicing , Inc. to manage per XXXX XXXX staff. They stated S.P.S. was only to manage. However, S.P.S. refused repeatedly to confirm who now owned my note and pressured me repeatedly, deceptively, and against past practice of XXXX XXXX for me to buy their insurance. XXXX XXXX had stated no escrow required for home equity loans. This loan had been with XXXX XXXX for many years. S.P.S. insisted on homeowner insurance purchased through them. I had my own homeowner insurance most of the loan period until recently. Nevertheless, I received false and misleading payoff information as well as harassment to buy their product even while I had homeowner insurance. I also asked for a copy of the note they had received as they claimed contrary to XXXX XXXX staff and contrary to XXXX XXXX billing that my note was not a home equity loan, but a mortgage that required escrow. 

Select Portfolio Servicing , Inc., has lawsuits against it from other consumers. I paid more on principal several times. I asked for a complete history of all payments which they have not done. 

*** My Final Payment in the amount of {$69.00} was written on a check which stated to apply to the principal. They did not! They put in " unapplied ''. They did not send my note showing paid, and state I owe insurance payments and continue to increase " escrow '' for their insurance product although note paid off. And continue to show principal remaining in the amount of {$69.00} Even Though They Received This Money. 

My debt has been paid and I need a printout of all payment and charge history to verify their accounting. The person who made the dishonest decision to not apply my final payment to principal should be penalized along with S.P.S. I should receive my note as paid and a statement from S.P.S. showing no balances. 

I will be referring this complaint to corporate within XXXX XXXX and S.P.S., their Board Members, and to appropriate Texas and federal officials over banking/finance as well as those who represent my district and state. ( I have to wonder if those who investigated XXXX XXXX should investigate S.P.S. )
Consumer complaint received 2022-09-18
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. (PA)

Credit inquires that does not belongs to me please see the list : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX 5XXXX XXXX XXXX XXXX  XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX 8. XXXX
Consumer complaint received 2020-06-02
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. (IL)

To whom it may concern, I have never applied for credit until XX/XX/XXXX when I was declined for credit from XXXX XXXX ( Awaiting decline letter ). My godmother helped me request a credit report and most of the information is wrong on XXXX and I can not even access XXXX XXXX or Equifax do to mismatched information. I need help immediately. I am trying to get my permanent id card ; I only have the temporary. While I was XXXX, I no longer resided at the address the permanent card was mailed to it was returned to the DMV. By the time I was able to get it, all DMVs had closed due to Covid-19. The reopened this week. 
Based on my XXXX report ( the only report I could obtain ) I never lived at the following addresses : o XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX o XXXX XXXX XXXX XXXX, Illinois XXXX o XXXX XXXX XXXX XXXX, Illinois XXXX My year of Birth is XXXX o XXXX shows XXXX I have never applied for credit, which includes the accounts on my XXXX report, there should be no accounts or hard inquiries o XXXX XXXX o XXXX o XXXX o XXXX XXXX o XXXX o My only hard inquiry is XXXX XXXX ( XX/XX/XXXX ) There are soft inquiries for XXXX XXXX ( XXXX inquiries ) and XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX that are not mine. My only soft inquiries should be : o XXXX XXXX ( XX/XX/XXXX ) o XXXX  XXXX ( XX/XX/XXXX ) o XXXX XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2019-08-10
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: WESTERN UNION COMPANY, THE (CO)

On XX/XX/2019 a payment was made from XXXX XXXX XXXX XXXX, for the amount of {$590.00} sent to Western Union ( XXXX XXXX   uses Western Union as a third party for online payments ). The amount was never applied to my XXXX XXXX Account # XXXX. I called Western Union and explained that on my phone I could not get a snap shot to get the confirmation number they explained to me that we cant continue without it. I had to make a double payment on XX/XX/2019 from my bank XXXX XXXX ( bill pay ), that payment was applied to my XXXX XXXX account. Made contact with XXXX and including the attorney company that sent them a letter, to no avail the responsible party is Western Union.
Consumer complaint received 2021-11-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I contacted my Bank ( Huntington Bank ) on XX/XX/2021 about fraudulent/unauthorized charges amounting to {$520.00} in charges, and an additional {$610.00} in overdraft fees resulting from the fraudulent/unauthorized charges. I was told I would receive provisional credit until they investigated and came to a conclusion and that I would be notified of the result. I received XXXX in provisional credits and {$610.00} in overdraft fee refunds ( not listed as provisional ). On XX/XX/2021, {$210.00} in overdraft fees were reversed without notice. Due to the reversals, and incomplete refund for unauthorized charges my account was overdrafted again. The overdraft and NSF fees amounted to an additional {$360.00}. I have yet to receive any written correspondence about the reversal of the overdraft refunds, and the remaining amount of the unauthorized charges.
Consumer complaint received 2021-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CA)

I made payments that was not recorded even though I sent bank statements with the payment paid. I received a default letter I sent checks to Fay Servicing to cover the default the checks was not cashed. I sent more than the default amount. the sent a default letter with excessive fees. Something need to be done about this company
Consumer complaint received 2019-08-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

I lost my debit card with a sticky note attached with my pin. Multiple transactions were charged on my account. I asked for my claim to be escalated, which was declined. I work very long hours sometimes unable to do a simple call. The reason for my claim to be denied was because I called two days later not the same day. According to chase they have very strong reasons for my claim being denied. Since I've made purchases with similar merchants they ave denied my claim. XXXX is a very small town. Anyone can go to the same grocery store. I feel unsafe with my bank who i'm supposed to trust with my money. Keep in mind I work full time go to XXXX and I'm a full time mother. I have no time whatsoever. The times I've tried to get a hold of chase they have hung up on me multiple times. They are not willing to help me whatsoever. A total off {$730.00}.
Consumer complaint received 2020-09-21
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. (FL)

Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking  fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX XXXX SS # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 9. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2020-09-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (OH)

Dear Sir/Mam submit by XXXX XXXX for  XXXX XXXX XXXX VIN # XXXX Account with lender # XXXX against /Stander Consumer USA My name is XXXX XXXX I purchase my XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX in XXXX . the dealer register my car at the sate of XXXX. I moved from XXXX on same month XX/XX/XXXX Because the Covid 19 Which cause losing my job there to sate of XXXX. Now I live in XXXX XXXX since XX/XX/XXXX. I tried to call and contact my lender Stander Consumer USA, to change my XXXX  title to state of XXXX. and After i checked with the XXXX  DMV I faxed and mailed to Stander consumer the form request from XXXX  DMV requesting the lender to send the original title to XXXX  DMV mailing address to start the transfer process. I did the previous action on XX/XX/XXXX. And at each time i get hard time with my lender Stander Consumer USA to help at my request. I now almost keep calling them every week to follow up but I could not find any help on my concern to transfer my car title to XXXX
Consumer complaint received 2020-09-22
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. (AL)

PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. I HAVE MY CREDIT REPORT AND I SEE SO MANY FRAUDULENT ACCOUNTS. I HAVE NO IDEA HOW THIS STFF GOT ON MY CREDIT REPORT, BUT ITS HOLDING MY CREDIT DOWN. I NEED THESE ACCOUNTS INVESTIAGTED AND REMOVED FROM MY CREDIT PROFILE
Consumer complaint received 2019-08-10
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Law Office of R. Gary Shapley (TX)

Mr. XXXX XXXX was trying to collect money from XXXX XXXX ( another company that has the similar name as my company 's name, but it is not my company ) I told him you have the wrong party, he filed a lawsuit to get a judgment against my company although the contract has the name of another company that is not my company. The person that signed the contract is not a member or an agent of my company. I did not sign the contract. Another name is showing there. I told them so. They said pay us {$2200.00} and we go away. I refused so he continued in a lawsuit. 

They sent an email stating they will pursuit the lawsuit if, I do not pay {$2200.00}. The lawsuit continued and the judge told them she has a problem with them having the wrong party. I paid a lot of money to fight them. They are debt collectors, third party debt collectors. They have a lot of cases in XXXX County for their client XXXX XXXX formerly XXXX   XXXX. 
I was looking for their bond to file a claim, it looks like they do not have a bond.
Consumer complaint received 2019-08-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Social Finance, Inc. (FL)

I began an application to consolidate my loan with SoFi. I began the application online. I was almost done with the application when I saw that my exact loan balance was lower than what was being requested by SoFi. I hit the edit button to go edit the balance. It took me back to the screen to edit the loan balance. I typed in the correct balance and hit the " recalculate '' option. It took me to a page saying that my loan application package had been signed and accepted. I never signed nor accepted the package. It said that I was borrowing {$180000.00}. I never requested that amount, I only need {$180000.00}. I called immediately to have the loan edited or application cancelled. They said given the stage this application is in, they can not withdraw it immediately and they were not able to edit the amount. They said that they are working on it. In the meantime, my credit was pulled for a loan that deceptively tried to get me to borrow almost {$3000.00} additional dollars that I do not need, and most certainly do not need to pay interest on.