davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (PA)

I broke my lease with XXXX in XX/XX/2021 due to security circumstances. I had to pay a debt to break my lease. I have been having communication issues with them due to their negligence on correcting my online account to pay my bill online. I paid the first portion by money order in person ( this was a 30 minute commute for me ) after I addressed them that if they don't fix this I will have it reported, they finally fixed my online account so I was able to pay the final portion of my bill in XX/XX/2021. However, I was still receiving emails from their parent company. I informed them by email again that I paid my bill and if these emails continue I will report them, so they stopped. However, when I checked my mail today ( XX/XX/2021 ), they apparently sent my " balance '' to a collections company. This is false because I have emails, screenshots, and even I can show you a screenshot that this money was withdrawn from my account to XXXX. They have the money. I don't know what they did with it but considering I did my part, it is not fair that they are demanding money that I don't owe them. After many attempts to warn them of this abusive behavior, I'm now forwarding this as a complaint. I also would like to add that this rental property has a reputation in XXXX of taking advantage of people in the poverty line. They would do all they can to take your money and now I can show my story, because they are trying to do this me, even though I paid my bill.
Consumer complaint received 2018-03-01
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. (MS)

I have been keeping a close eye on my credit report because I have been a victim of fraud. Equifax is very aware of this information yet the do not seem to care or want to help me fix this issue. I have disputed my personal information on multiple occasions and it seems like they just keep adding it back or adding more wrong info to my credit file. This has happened so many times now that I am no longer able to dispute my personal information online and when I call the member service number they still do not want to help get my information correct. I want all personal information removed from my credit report other than my name - XXXX XXXX XXXX, my address- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and employer XXXX . There should be nothing else under my personal info at all. Please delete all other information & do not add it back. I have sent Equifax letters, proof of my drivers license, my social security card, & my XXXX bill and they still insist on not deleting this wrong information. Delete " ALSO KNOWN AS '' and " PREVIOUS ADDRESS '' I have sent you proof that has been notarized. Abide by the law & remove all other information. I have also disputed a new inquiry found on my credit report that appeared on XX/XX/2018 from XXXX. This is an unauthorized inquiry. Please remove ASAP.
Consumer complaint received 2020-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (MN)

Was sent a credit card ( unsolicited ) from US Bank early XX/XX/2020 and when I called customer service number on card, I was told acct and card opened by OH unemployment dept. 
I told US Bank to cancel card and that I was concerned about fraud, as I had never reported unemployment to ANY state. 
I was told by card service to contact OH unemployment dept ( to aid in closing account ), and upon doing so, I was told that dept could not find any information under my name or social security number. 
I wrote a letter of complaint to US Bank Co ( XX/XX/2020 ), but never received a reply. 
I would like to file formal complaint with US Bank.
Consumer complaint received 2018-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX, XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/2016.
Consumer complaint received 2021-05-27
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

transunion is reporting incorrect informations on my credit report. when i ask for investigation, they tell me the informations was verified as accurate. but when i ask for proof of the investigation they refuse to provide any. i want proof that the informations reporting on my credit report are mine or accurate otherwise they have to delete them immediately. the items are : XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX bank XXXX Bankruptcy chapter XXXX XXXX bank XXXX XXXX bank XXXX
Consumer complaint received 2018-07-28
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

SLS never did anything other than attempt to take my home force foreclouser on me they are thief Disunest and crock They have law suites against them for doing the same thing they doing with me sale peoples home Cfpb too easy do some thing SLS send creeps to my property to take picture they hid in the bushes and around my property when I go outside they ran away I cant leave my home
Consumer complaint received 2021-07-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (VA)

Unbeknownst to me, apparently, in XXXX, my mortgage company sold my mortgage to a company known as " Mr . Cooper. '' I started receiving generic letters from " Mr . Cooper. '' I presumed it was just spam. Never did I ever expect or imagine a mortgage company would be called " Mr . Cooper. '' My son finally opened one of their letters yesterday because he had recently bought tires for his car from " XXXX XXXX. '' Suffice to say, we were shocked to find out that Mr. Cooper 's legal team was notifying me that I was {$4900.00} in default and that Mr. Cooper would take legal action. 

Lucky for me, as a retired XXXX XXXX, I have the means to pay this sum of me. I have had many many mortgages and they are have been bought and sold and never did I have to restart my automatic deposits. I can only imagine those less well off than me who are about to lose their homes to a company that has cleverly chose a name so as not to bring attention to itself or let you know the importance of them. I think this is nothing but an effort to take the homes from people by naming a company a ridiculous name so that its customers will not realize the severity of ignoring them. 

I hope you will take a look at the duplicitous business practices of this company and the intent/origins of their name. I bet you will find that many of its customers are defaulting on their loans simply because they were unaware that their loans had been bought out. 

Sincerely, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2021-04-06
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: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I already reached out to the credit bureaus and to PORTFOLIO RECOVERY ASSOC. for the account number XXXX and notify them of their error posting for this account. and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, physical firsthand documentation of the payment history and proof of last payment and debt validation but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.
Consumer complaint received 2020-11-23
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: Flagstar Bank, N.A. (WA)

On XX/XX/XXXX I made a wire transfer of CHF XXXX from my bank account in XXXX to my bank account in the US, electing to send the money in CHF and have the receiving bank handle the rest. There was a CHF 3 fee for this service on the XXXX  side, meaning that the amount deducted from my account was CHF XXXX and the amount wired was CHF XXXX. 

On XX/XX/XXXX, {$2900.00} was deposited into my Flagstar bank account. Talking to Flagstar, the amount of money received after fees was CHF XXXX, meaning that my money was exchanged at a rate of {$1.00} per CHF. 

Official exchange rates on XX/XX/XXXX and XX/XX/XXXX were {$1.00} per CHF, meaning that I should have received {$3000.00}. Compared to the {$2900.00} I actually received, this is a difference of {$78.00} in addition to the CHF XXXX  I was charged in fees.
Consumer complaint received 2021-05-27
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Someone stole XXXX dollars from my account, after filling a claim the bank froze my account which for some reason closed the claim I filed with them. After trying to unfreeze my account in order to have my claim reopened so the investigation can begin, I was told that bank of America could not unfreeze my account i needed to call edd in order to do so. I was not able to speak to anyone at edd and received no other information on how to get my money back, 2 months pass when I received a letter from Bank of America saying if I wanted to unfreeze my account to call the number listed. So I did and for the second time my claim was reopened, I continued to call everyday to ask for the status of my claim and was told daily that it was still pending. On the 3rd week of calling a representative told me that the claim had been closed and that there investigation lead them to belive I was not eligible to receive a reimbursement for the money that was stolen from me. I do not belive they had any intention on paying me and belive there investigation was done poorly, on one of the transaction of XXXX dollars from an atm of bank of America which clearly was not me could have easily proven that someone had access and was stealing from my account. I hope there's something you can do to help im in a tough position with no one here to help
Consumer complaint received 2021-07-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken ()

Hello, since 4 months i dont have any access to my account on Kraken. I tried and did everything possible and still there is no response.

When my account was blocked, i wrote many support tickets with all documents to prove my identity, these tickets were also escalated, so it was put forward. They promised to reply via email, still this day, Im waiting for that reply. Through their Live Chat, i spoke with their service staff many times, they just wrote the same generic answer, that they cant do anything for me. 
I did even post many times on XXXX/kraken support and there it was the same case. 

They dont have any service phone number or a office where you can go. I`m completely out of option and totally desperate. My coins and my deposit on my account, i dont know what is happening with it. It`s been over 4 months and there no help at all. 
For a realtime trading company this is horrible, it is a absolute breach of contract. 
This is criminal. 

Please someone need to help me, Im desperate and helpless. 

kindly regards
Consumer complaint received 2018-03-01
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. (CA)

I checked my personal credit report, which I acquired from your organization on XX/XX/2018 and I noticed an unauthorized inquiry had been made on XX/XX/2018. 
I contacted XXXX XXXX CC, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX XXXX XXXX XX/XX/18 ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Consumer complaint received 2021-10-21
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: WELLS FARGO & COMPANY (CA)

I have been disputing an item on my credit report. An account by Wells Fargo is incorrectly on my credit report. I sent a cease and desist letter by certified mail to Wells Fargo on XX/XX/2021 to have them stop harassing me with phone calls and unwanted communications and they keep calling. I never gave them permission to place any of my personal information to the credit reporting agencies. I have asked them to provide proof of me ever giving permission to have them sell my information and they have failed at that. I have contacted XXXX, XXXX and XXXX about a fraudulent account on my credit report and they have all failed to do their jobs which they are required to do under the FCRA. I submitted an FTC report and 2 forms of identification and they have failed to block this illegal account. I am filing this complaint against Wells Fargo Dealer SVC for Account XXXX. I am filing this complaint against XXXX, XXXX and XXXX for not blocking this information from my credit report. I submitted this information to them over 30 days ago. It was sent on XX/XX/2021 and no action has been taken. Very illegal!
Consumer complaint received 2021-05-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

On XXXX I, XXXX XXXX sent a FTC report letter regarding inaccurate and unknown things on my credit report. 

I AM A VICTIM OF IDENTITY THIEFT. POLICE REPORT and COURT CASE ATTACHED I feel I am being taken advantage of and being ignored. Section 605 ( B ), it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. It has been well over 4 days, so they should be block and deleted promptly. I demand these accounts be blocked and deleted immediately or I will file for ligation due to the stress you caused me. My information is also impacted by the Equifax data breach and my have gotten into the hands of the wrong person. 

I, XXXX XXXX give you FULL PERMISSION to move forward with this investigation. I have attached my driver license and social security number to let you know this is in fact XXXX XXXX giving you permission.
Consumer complaint received 2021-05-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: U.S. BANCORP (IL)

Is bank closed the first dispute for 396 I filed which was initially resolved. The company then went back and did not honor the terms of the settlement I filed a second dispute which they denied without any explanation nor honoring my several requests to speak to someone from the disputes department. At this point Ill be filing a lawsuit.
Consumer complaint received 2020-10-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Comerica (PA)

My SSI benefit was to be posted on XX/XX/2020 However Social Security said they processed it and a direct deposit was made onto my direct express card!!!!! But where is it?????? It never made it on my card!!!!!!!!! Please help!!!!!!!!
Consumer complaint received 2021-10-21
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. (CT)

This company Equifax is fraudulently reporting an account which has fully been paid off on my credit report. XXXX XXXX  for {$130.00} has been paid but they fraudulently refuse to remove it in violation of my rights. fraudulent company XXXX XXXX  is hurt I didn't pay them and paid original creditor iinstead. 
XXXX and XXXX have removed it
Consumer complaint received 2021-05-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Someone has used my personal information to open an account with XXXX. I have never had anything from them. My purse was stolen a few years ago with all my personal information. I explained to Equifax that this is not my account they keep saying " verified '' when it's not mine at all. I can't believe how hard it is to get your credit reports corrected after a person has ruined your life and taken your identity. I am filing this complaint because I feel like Equifax is not trying to help me at all. It is like they are just giving me a script response each and every time. This is stressful enough that this happened but now to be punished for something that I didn't even do
Consumer complaint received 2021-12-08
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. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-21
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)

I have been disputing an item on my credit report. An account by XXXX XXXX is incorrectly on my credit report. I sent a cease and desist letter by certified mail to XXXX XXXX on XX/XX/2021 to have them stop harassing me with phone calls and unwanted communications and they keep calling. I never gave them permission to place any of my personal information to the credit reporting agencies. I have asked them to provide proof of me ever giving permission to have them sell my information and they have failed at that. I have contacted XXXX, XXXX and Transunion about a fraudulent account on my credit report and they have all failed to do their jobs which they are required to do under the FCRA. I submitted an FTC report and 2 forms of identification and they have failed to block this illegal account. I am filing this complaint against XXXX XXXX XXXX XXXX for Account XXXX. I am filing this complaint against XXXX, XXXX and Transunion for not blocking this information from my credit report. I submitted this information to them over 30 days ago. It was sent on XX/XX/2021 and no action has been taken. Very illegal!
Consumer complaint received 2018-07-28
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: Experian Information Solutions Inc. (WA)

I lost everything in the real estate fiasco. Back in XX/XX/XXXX i had amazing credit but as a single mother had to move to support my kids. 1 ) They were still reporting that i was the owner of my house in XXXX   ... XXXX XXXX, XXXX, XXXX. It was sold in XX/XX/XXXX or XX/XX/XXXX. When i bought in XXXX state, i was sold a lemon of a house. My children and i lived without basic necessities ... no plumbing-no way to bathe with XXXX kids, youngest only in XXXX grade. We experienced power surges that blew out my oven and washer and dryer. I was paying close to 2000 a month in mortgage and amassed 8 years of documentation. The real estate agency and agent knew of the situation. I complained and then sought mortgage help. They expected me to continue to pay the same. I took it to court and submitted all the paperwork to no avail. The attorney did not submit my paperwork so i was told to sit down when i rose to object to my treatment. I have tried to go to XXXX State Attorney General, all the FED agencies. I lost my house in XX/XX/XXXX, penniless. I moved to Public housing in XXXX. I was diagnosed with XXXX in XX/XX/XXXX. I have a XXXX degree and am considered an expert in my field. The time i tried ALONE with no support to rectify the issues left me physically ill. I have way too much information to share here. The former owner never was held accountable for their illegal activity, nor was the agent or agency who were well aware of how my family wad forced to live. Please contact me if you take me seriously at all. I am not putting out any more energy to repair credit that was destroyed by the establishment and their unwillingness to stand up for me.
Consumer complaint received 2021-05-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: I.C. System, Inc. (MI)

I didn't receive any communications from XXXX that I had owed a bill to them until the account went into collections. I had switched companies and wasn't aware nor did I receive anything my phone, email or mail. 
As soon as the bill for collections came to me, I immediately paid it - I have perfect credit aside from this debt. 
I had disputed this originally and was under the impression it was removed, but it seems it was only removed from XXXX, not the other 2 bureaus.