davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (NJ)

On XXXX,2015 paid off my debt of XXXX to Receivable Performance Management payment processing and collection. This account was turned over to them by XXXX XXXX. I spoke to the supervisor XXXX XXXX at XXXX and was adivsed to pay the balance listed above which we agreed as payment in full and was given a confirmation number. He also advised me to send a dispute letter for the remaining balance to the XXXX credit collection agencies so the items may be removed from my credit report. I did as i was advised and i recently pulled my credit reports and XXXX of the agencies are still reporting as not paid.
Consumer complaint received 2023-03-19
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: Applied Business Services, Inc. (MO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX, Applied Business Service INC XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-01
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: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS.
Consumer complaint received 2022-02-09
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. (TX)

I am listed as an authorized user on 2 XXXX credit cards on my Equifax report that are both in negative standing. I requested to be removed in from the accounts and followed up with a dispute on XX/XX/2020 with XXXX. The accounts were removed from both XXXX and XXXX, but not Equifax. When I disputed the request and provided the documentation, XXXX and Equifax still refused to remove the accounts. Ive disputed these accounts multiple times only to receive the same response every 60 days.
Consumer complaint received 2015-08-06
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

I sent in a request for a modification back in XXXX 2015. We made it very clear to Wells Fargo we were in the early process of divorce. We were told that the modification could not proceed without a divorce decree. XX/XX/XXXX we were told the file had been closed and it would be sent to the re entry team. Today XXXX XXXX first the company i have asked for assistance was told that there was no authorization for wells fargo to speak to them, after XXXX minutes of being on the hold then the point of contact came back on the line and stated oh i found it, it was not were it should have been. They were then told the file is not ACTIVE. There is a sheriff sale date on my property and I am trying my best to keep my home, however I am being met with all types of obstacles by my lender Wells Fargo!
Consumer complaint received 2022-09-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (WI)

I reported a fraudulent charge with PayPal for {$200.00}. They did an investigation and determined I made the transaction. I confirmed with them that I did not make a transaction at all. I believe it was a fishing scam that I fell victim of, and then I told them that they refused to even discuss other options. 

They are more concerned with being viewed as safe than actually being safe.
Consumer complaint received 2017-03-07
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (TX)

I have a car loan that is through Santander Consumer USA. Bought my car in XX/XX/2010 and the loan was sold to Santander. My original loan was for XXXX months. I 've now paid XXXX months and they still say I owe a balance and a miscellaneous fees. They can not tell me why I owe a balance or what it 's from. They will call at least 20 times a day under different numbers from XXXX am to XXXX. They have called a neighbor that lived on my neighborhood saying they were trying to get ahold of me. Have no idea how they got her number. Even though let them I 've made all of my patents I still owe money and they have listed my car as in collections on our credit.
Consumer complaint received 2024-02-20
Product: Credit reporting 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. (NM)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-20
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: Sequium Asset Solutions, LLC (MI)

Account Number - XXXX Sequium, is in violation of multiple laws set by Congress under the FDCPA : 15 USC 1692 ( a ), 15 USC 1692b ( 2 ), 15 USC 1692b ( 4 ), 15 USC 1692b ( 5 ), 15 USC 1692c ( a ), 15 USC 1692c ( a ) ( 3 ), 15 USC 1692d ( 1 ), 15 USC 1692f ( 8 ), 15 USC 1692g ( b ) ; As the consumer I have a right to privacy and fairness.
Consumer complaint received 2016-09-26
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (PA)

XXXX was unable to secure my account due to identity theft. XXXX XXXX admitted they failed their own procedures. XXXX XXXX closed my account. I was forced to accept discounted Gift cards for XXXX points. XXXX XXXX attempted to reopen my account 24 hours later, but would not trade my points back.
Consumer complaint received 2015-04-03
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (TX)

I refinance my house note as I was doing it payment stop. once the refinance was completed the payment was place on the back of the note. Wells Forgo still reported it on my credit report as not paid and will not remove it. now I have XXXX miss payment on my report.
Consumer complaint received 2016-04-04
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MA)

HSBC bank continues to list a fraudulent account on my XXXX credit report and refuses to provide sufficient proof of my ownership of the account. I never opened nor used any account from hsbc bank/XXXX. this account was opened in 2010. I was not even living in Massachusetts in 2010. this continues to damage my good credit.
Consumer complaint received 2016-10-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/2016, Transunion had deleted XXXX inquiries off of my credit report ( XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX via XXXX ). I just looked at a recent copy of my report and these XXXX inquiries have been reinserted. I was never given notice as per the law that they were reinserted. I tried calling, but no one would help me.
Consumer complaint received 2016-06-23
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: FIRST NIAGARA FINANCIAL GROUP, INC. (PA)

I closed on a house on XXXX/XXXX/16. Three months after closing, I received a bill from the homeowners association with an itemized fee referred to as " capitalization '' in the amount of {$600.00}. After speaking with representatives with the HOA management company, they advised me this fee should have been paid/taken care of at closing. Since this is a closing cost that was not handled, or disclosed to me I do not feel I should be responsible for the fee as I felt closing costs were already high compared to other lenders and I would have likely borrowed elsewhere.
Consumer complaint received 2022-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX files a claim on my behalf to my credit card ( chase sapphire ) which has an insurance benefit. The windshield cracked on the car while it was parked overnight at a family members home in Tennessee. XXXX sent me a letter on XX/XX/XXXX stating they had submitted the information to the insurance company. A company titled XXXX has sent three emails requesting the same information sent to them by XXXX and is requesting my credit card bill. I forwarded the same documents as enterprise but continued to get a same response but this time requiring a billing statement with my credit card information. The email does not match the name of the company. XXXX. Additionally, the website referenced in the letter from this company does not work. I tried on several browsers and computers and on different wifi accounts in the city I live in. The website also does not match the companys name - XXXX. I feel this is a fraudulent company and if it is not a fraudulent company, I shouldnt have to submit documents more than once. If they are through my credit card-they should already have my billing statement. XXXX has also verified the credit card was used and so has Chase. I have not received any paper mail from this company.
Consumer complaint received 2016-08-17
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc. (SC)

I have paid multiple payments to XXXX, XXXX, and XXXX to the agency. Now they have sent me yet another collections notice and call to harrass me multiple times per day, refuse to listen that I do n't owe anything else. I have a message on my phone from the billing office at XXXX, stating I have paid everything. I also have front and back photos of cashed checks for the same bills multiple times. 

I only was allowed XXXX photos. I have at least XXXX that can show the bad business practices of both companies.
Consumer complaint received 2015-11-10
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (GA)

On XXXX XXXX my home was damaged by water due to a leak in the hot water heater. The insurance company came out and did their estimate and paid the claim. Wells Fargo is refusing to endorse the last payment of {$2600.00} for me to finish the work on the house. Stating they need a inspection done on the house. This has Taken over 2 months to do.
Consumer complaint received 2018-03-16
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Risecredit, LLC (NV)

To Whom It May Concern, In XXXX of the spring time I took out a payday Loan online. I made all my payments and was Late once and paid off loan in XX/XX/XXXX for XXXX and XX/XX/XXXX I paid additional XXXX to settle all interest and XXXX XXXX XXXX are owned by same company.
Consumer complaint received 2016-04-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Prince Parker & Associates (TN)

XXXX XXXX XXXX is trying to collect {$130.00} from me for a termination fee on a mini iPad. I have my receipts given at time of. Sale that clearly show termination fee of {$0.00}. About six hours after the purchase, I received a new contract via email that I did not agree to. This new contract contains a termination fee and my signature is forged on the contract and it 's clearly not mine. I went to XXXX and they told XXXX XXXX XXXX that I did not owe the fee but XXXX XXXX XXXX has pursued me for it. They have now turned it over to a collection agency to collect. The collection company is Prince-PARKER & Associates, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX. This company notified me by mail on XXXX XXXX, 2016. I replied on XXXX XXXX, 2016 stating that I do not owe this debt and included the receipts showing that I do not owe. Since then I have emailed them 5 times asking for proof of the debt and included my receipts. They have never replied to me as of this date. I believe they are in violation of Debt Collection laws as they will not respond to me, they will not supply proof that I owe the debt, they will not do anything. Today I called them and was given the excuse that they sent my paperwork back to XXXX XXXX XXXX and waiting for a response from them. That is not the way the law governing collection works. Today they also told me that XXXX XXXX XXXX says I owe the debt and will be " coming after me ''. They were quite nasty and threatening to me, a XXXX person XXXX. They told me they would come to my home in a very threatening manner. 
I pay all my bills on time and currently have a credit score of XXXX. I told them if they damage my credit I will sue they. I was told that they wo n't damage my credit but they will DESTROY it!! I classify this as harassment, again a violation of the law. PLEASE USE THIS AS AN OFFICIAL COMPLAINT AGAINST THIS DEBTOR COLLECTOR. I have never had a debt collection letter in my life but I 'm not going to pay something that I do not owe.
Consumer complaint received 2016-10-28
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY (CA)

I had a car loan financed with Wells Fargo Dealer Services acct number : XXXX under the name of XXXX. Vehicle loan was paid in full since XX/XX/2016, they advised I should receive XXXX within 30 days ... it has almost been 150 days!!! I have called them numerous times, all I get is : we have an Issue with your title, let me transfer you to the department that is handling your case??? Until today,, Friday XX/XX/2016, I have not received my XXXX, a letter, a call, an email, or anything on their behalf ... What 's going on??? Every time I call them, they disconnect my call!!! Please help!!!! Thank you!!
Consumer complaint received 2021-10-03
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)

I sent validation letters to the following three Credit Reporting Agencies ( CRA ) : XXXX, Equifax and XXXX. They did not properly investigate my dispute with XXXX XXXX XXXX. XXXX XXXX is reporting inaccurate information on my credit reports with the bureaus mentioned above. They continue to report monthly balances on my credit report when they wrote this debt off and claimed a tax credit for the write off. I told the CRA that it should reflect a XXXX balance on my credit report as of the last date of the alleged non payment which was allegedly back in XX/XX/2015. Each month they are hitting my credit report as if I am currently past due on this debt for {$370.00}. The CRA 's failed to do a proper investigation and continues report the accuracies due to poorly trained staff as to the nature of this dispute. I am requesting they remove this alleged debt from my credit report based on the inaccuracies and false narrative in the way this alleged debt is being reported as a current debt. They also have not provided me with any written documentation from this creditor demonstrating I owe this debt. I believe they verified this debt through an automated process ACDV Request through e-Oscar rather than physically calling and communicating with the company. Efforts to get these agencies to delete this information from my credit reports has been unsuccessful. The same is true for XXXX as well. They failed to conduct a reasonable investigation into my disputes. See 15 U.S.C. Section 1681 s-2 ( b ). All three credit bureaus verified these alleged debts.
Consumer complaint received 2023-03-19
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: EQUIFAX, INC. (CO)

There is an account on my Equifax credit report labeled as " XXXX ''. That credit card was stolen in early XXXX, and after I cleared up that incident with the company, there was no amount due, and no late payments. I have never had an amount due or late payments on any accounts, to show a pattern of my financial history. I requested to close my accounting XX/XX/XXXX and was notified by their legal and customer service departments that my account was indeed closed with nothing due and never being late. However, the company fraudulently opened the account in late XXXX without my knowledge or approval. They then reported an amount due late payments after my account had been closed. I provided the proof of information, from XXXX, to Equifax showing that my account was closed in XXXX of XXXX, and therefore couldn't be late in XXXX of XXXX or in XXXX. Equifax took no action. I notified Equifax that failure to correct the information was a violation of the Fair Credit Reporting Act ( FCRA ), and still they took no action. As a result, a mortgage was processing for a purchase of a home, and that loan company increased my rate due to this potential negative information that was false, yet Equifax refused to remove. Before I take further legal action, I ask CFPB to take this matter to Equifax to both update my report to include the correct information and to pay for the increased costs that I have been burdened with due to the illegal non-action of Equifax, which is essentially aiding in the fraudulent activity of XXXX XXXX XXXX XXXX
Consumer complaint received 2015-10-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (UT)

XXXX XXXX I applied for a hafa short sale at Select Portfolio Request request the told me my loan qualified for he HAFA short sale and they would have debt forgiveness and relocation money They told me to hire a realtor to process the short sale He gathered all the documents that Select Portfolio required they where upset that I listed my House with an outside agent from their companyXXXX-XXXX-XXXX we submitted an offerXXXX/XXXX/XXXX BPO completed Value XXXX ( select Port folio said Investor will not take less the {$250000.00} What ) we have a problem with valueXXXX/XXXX/XXXX sent service er update information in regards to Hafa Short saleSelect Portfolio has never sent Counter has never sent us approval to participate/XXXX/XXXX/XXXX submitted counter with repair billrequested a value varianceXXXX/XXXX/XXXX Select portfolio said the Investor they do n't want her on the HAFA short salewould not give a reasonprinciple loan XXXX set aside XXXX Property value XXXX why would they want {$250000.00} we have escalated the file the loan servicer refusing to help they have not been honest with me, they have Not given us Tangible Information, the have been very deceiving with me and deceptive please help
Consumer complaint received 2022-02-08
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)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached XXXX Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ). Moreover, you stated the account was verified as accurate by law XXXX XXXX XXXX ( XXXX ). Per XXXX XXXX XXXX ( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2022-02-08
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. (NC)

These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!