davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-13
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PRIMARY RESIDENTIAL MORTGAGE (AZ)

XXXX XXXX I applied for a XXXX FHA construction loan w/XXXX XXXX XXXX XXXX, to date, Ive provided ALL required docs within 36hrs. 
XX/XX/XXXX thru XX/XX/XXXX we are starting over again & again & again costing me for triplicates of bank statements & cancelled checks, doing duplicate appraisals, and more- all this due to the 9 months application period, the costs to me are horrendous & XXXX XXXX just started over again- HELP This application IS simple & straight forward! 
I earn XXXX from solid source I have XXXXmortgage I have XXXX XXXX in assets & I have NO DEBT XXXX speaks as-if its complex but it is not! 
I have an appraisal from XX/XX/XXXX, XXXX says its too old & a different appraiser-FHA RULES per XXXX. 
There is too much to list here! & still no loan, EVERYONE Mortgage people, insurance broker, & many more have said this is NOT NORMAL PROCESS I dont switch because it will hurt MY CREDIT SCORE! 

XXXX is hard to reach per other providers including underwriting ( when XXXX didnt send any of my required, provided data ) I really need help, this is an incredible financial hardship. Thank you XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The Credit bureaus stated my account wasproperly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal they also violated my rights un

der 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
Consumer complaint received 2021-07-14
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: DISCOVER BANK (NY)

My name is XXXX XXXX and I am writing this letter to complain of the constant harassment I receive from XXXXXXXX XXXX XXXX XXXX 

First, XXXX XXXX XXXX, XXXX recently sued me for this same account and the action was dismissed ( attached ). This case was dismissed by the same creditor and attorney on XX/XX/XXXX. I explained this remained unpaid due to my wife loss of employment and I had to make a decision at that time to pay for rent, food and take care of my children or pay Discover ( please see attached of my wife previous job letting her go ). 

In addition, a garnishment was recently filed in court and signed by XXXX XXXX, XXXX XXXX on XX/XX/XXXX and I was never notified by court ( attached ). However, the documentation was mailed out to me by XXXX XXXX XXXX  and the XXXX XXXXXXXX XXXX on XX/XX/XXXX and didnt actually arrive to me until XX/XX/XXXX which allowed more than two weeks to go by and not providing me with enough time to respond within a proper time frame ( attached are envelopes with postage date of mail out from XXXX XXXX and XXXXXXXX XXXX XXXX XXXX & date letter actually arrived to me ) this failure to proper notify me within a decent time frame providing me with less time to file an appropriate objection to the wage garnishment. 

As mentioned previously, I also never received notice from the court that a wage garnishment was filed in my name. I am entitled to allow sufficient time to file an answer without any malicious intent involved. 

The creditor nor the XXXX, XXXX XXXX followed proper procedure by failing to give me timely notice of the garnishment and therefore I am objecting to this garnishment. 

Moreover, I have filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX against XXXX XXXX XXXX for failing to follow proper protocol and also for providing paperwork with the wrong index number to intentionally keep me from filing my answer on time. I ask help from CFPB regarding the ongoing harassment I keep receiving from XXXX XXXX XXXX, XXXX over the years and to now for them to file a lawsuit and not properly notify me is illegal.
Consumer complaint received 2018-07-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FORD MOTOR CREDIT CO. (AL)

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Called me at work and identified their self as Ford Motor Credit first and wanted to collect a debt. The debt is for the amount owed after a lease ended on a XXXX XXXX that the dealership said they would pay at the end of the lease and said we owed nothing. Only at that time did they disclose they were XXXX XXXX XXXX on behalf of Ford. They constantly call and harass me at work and will not stop.
Consumer complaint received 2018-07-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCB Credit Serivces, Inc (AL)

CCB Credit Services , Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Called me at work and identified their self as XXXX XXXX XXXX XXXX and wanted to collect a debt. The debt is for the amount owed after a lease ended on a XXXX XXXX that the dealership said they would pay at the end of the lease and said we owed nothing. Only at that time did they disclose they were CCB Credit Services on behalf of XXXX. They constantly call and harass me at work and will not stop.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY (CA)

I had closed the Wells Fargo account and confirmed with them that there was not a balance. I found out two months later that they reported me late. I have never been late with them, nor with anyone else for that matter so this reporting is unjust. They admitted that it was their fault and after trying to resolve it with them again after-the-fact, it still goes unchanged on my credit report.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

XXXX XXXX never reports accurate information. The balance is only updated every couple of months. Then when they do it is always incorrect. 

I called XXXX XXXX and asked for the correct balance to be updated. No help. I asked for a supervisor. After being disconnected 3 and being told to call back due to system issues I was transferred to a supervisor who supposedly sent the request out. A couple of days later I received an email telling me nothing would be done. Through the whole process there was no willingness to send the correct balance to all 3 credit reporting agencies. Right now I have a {$0.00} balance. I paid off the loan!
Consumer complaint received 2021-03-29
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)

There are two loans that do not belong to me they are not mine I have not signed for these and i should not be paying for it my credit is going to waste because of this I have tried reaching out to the bureaus and the furnisher but they are not helping me. 

XXXX - Acct # XXXX Amt {$27000.00} XXXX  - Acct # XXXX Amt {$17000.00}
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. (GA)

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 16 USC 1681. XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX have violated my rights. 15 USC 1681 Section 602 A States : I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) 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 the records of convictions of crimes which antedates the report by more than seven years. 15 USC 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 the information is inaccurate
Consumer complaint received 2021-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

on XX/XX/14 I made a call to Trans Union and spoke with Manager XXXX XXXX. I explained to him the issue i gad with an account on my credit report with XXXX XXXX XXXX. Back in XXXX  I disputed the account as no knowledge of account and mandated that TransUnion not just tell me the account was verified, However I requested proof that the account belonged to me, I asked for any contract showing my signature, or anything the may have to show I actually owe this debt. 30 days later I received only a letter saying verified no proof as I requested, on today when I spoke with the manager I was told the don't have to provide anything and that they actually, just take the word of what ever the creditor tells them. Therefore not investigating as required by law!
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

XXXX XXXX never reports accurate information. The balance is only updated every couple of months. Then when they do it is always incorrect. 

I called XXXX XXXX and asked for the correct balance to be updated. No help. I asked for a supervisor. After being disconnected 3 and being told to call back due to system issues I was transferred to a supervisor who supposedly sent the request out. A couple of days later I received an email telling me nothing would be done. Through the whole process there was no willingness to send the correct balance to all 3 credit reporting agencies. Right now I have a {$0.00} balance. I paid off the loan!
Consumer complaint received 2020-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I WANT TO NOTIFY THAT I RECENTLY FOUND OUT A FRAUDULENT ACCOUNT IN MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT, AND SOMEBODY USED MY PERSONAL INFORMATION AND OPENED A FRAUDULENT ACCOUNT UNDER MY NAME. I DID NOT AUTHORIZE ANYONE TO USE MY PERSONAL INFORMATION AND OPEN AN ACCOUNT BY XXXX XXXX XXXX. PLEASE TAKE ALL APPROPRIATE STEPS TO REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT FILE.
Consumer complaint received 2020-01-21
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: DISCOVER BANK (CA)

I WANT TO NOTIFY THAT I RECENTLY FOUND OUT A FRAUDULENT ACCOUNT IN MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT, AND SOMEBODY USED MY PERSONAL INFORMATION AND OPENED A FRAUDULENT ACCOUNT UNDER MY NAME. I DID NOT AUTHORIZE ANYONE TO USE MY PERSONAL INFORMATION AND OPEN AN ACCOUNT BY DISCOVER FINANCIAL SERVICES. PLEASE TAKE ALL APPROPRIATE STEPS TO REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT FILE.
Consumer complaint received 2019-08-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Paypal Holdings, Inc (PA)

So Paypal Reversed a bunch of fraudulent transactions and refunded a few right ot my credit card. However they left XXXX USD in my account but have this message to keep me from withdrawing it. I cant afford having this amount of money tied up. What can you do to help me get my cash back sooner then 180You can't use PayPal anymoreAt PayPal, we value a safe community for our customers to do business. We noticed activity in your account that’s inconsistent with our User Agreement and we no longer offer you PayPal services.Any bank or credit card information linked to your PayPal account cannot be removed nor can it be used to create a new account. You can still log in and see your account information but you can’t send or receive money. Any money in your balance will be held for 180 days, after which we’ll send you an email with instructions about transferring your money.Reference ID: XXXX
Consumer complaint received 2023-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (NH)

On XXXXXXXX XXXX Synchrony bank closed my sams Club Mastercard with no notice, within days of that they also closed my JC Penny Card and Lowes Card also without notice. 
They stated that they thought I was going to not pay my accounts. I should note that I have NEVER missed a payment or been late and usually my cards are paid in full by the due date. All of the above cards have a ZERO balance. They are refusing to pay the approx XXXX in cash back they currently owe me stating that because they closed the account that cash back is FORFEIT By closing those accounts they reduced my available credit almost XXXX and caused an 80 point drop on my credit score.
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

XXXX XXXX XXXX XXXX XXXX account shows mised payment on credit reports should be fixed asp fnd enclosed a letter from XXXX XXXX XXXX  says they sent credit reporting agencies message to fix the XX/XX/2021 missed payment all other reports are corrected but not transunion ..transunion still shows mised XX/XX/2021 payment on report.. 

Please fix the issue
Consumer complaint received 2021-05-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I XXXX XXXX, AS IN THE REAL NATURAL PERSON AND ORIGINAL CREDITOR XXXX XXXX. i attached my social security card so you can't lie and say you don't recognize me as the person sending you this letter. in other words, = YES IT'S REALLY ME. I was entered into credit transactions that i did not consent to or authorize whatsoever. I contacted the Federal Trade Commission and filed a complaint # XXXX and it is attached to this letter. Please block and remove all information from my credit report, and send me an updated copy of my credit report. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). As you This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. As we both know under 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within XXXX XXXX  of receiving this dispute letter an d yes the invoice is definitely attached boo. TIME TO PAY UP OR FACE LITIGATION YOU HEARD!!!! 
I demand that the following accountS be removed immediately
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My name is XXXX XXXX and I am submitting this report by myself and this is not a third party or a credit repair company 's statement. 

I requested TransUnion LLC to provide the description of the procedure used to determine the accuracy of the disputed items in my credit report, but they did not. 

Please see the attached documents for your review.
Consumer complaint received 2021-05-05
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BARCLAYS BANK DELAWARE (CA)

I like to close my Barclays XXXX account. The bank refusing to close my account. This is related to my previous complaint on how the bank put restrictions on my account and locked me out - XXXX They are pretty much harassing their customers with extreme policies and enforcement.
Consumer complaint received 2017-12-20
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (OK)

I received a bill in the mail from XXXX in XXXX, OK in the amount of {$270.00} Who ever opened an account in my name over the phone for limit of {$300.00}. Received the money above. My address was wrong they listed XXXX XXXX XXXX over 200 miles away. phone # was wrong old # I had changed last XX/XX/XXXX. I called XXXX they cancelled the card and are sending me info form to fill out form.
Consumer complaint received 2018-07-27
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: FIRST HORIZON BANK (TN)

I was allowed to cash eleven ( 11 ) Money Orders each for {$990.00} between XXXX XXXX XXXX, XXXX. All eleven have turned out fake, and now the bank is demanding full payment of the overdrafts on the checking and savings accounts used. Fees and fines are continuing to pile up on top of the overdraft charges. These money orders were part of a secret shopper scam I fell victim to, and were fake. The bank continued to cash these well beyond what funds were available in the accounts, so I assumed they were valid. Otherwise, they would require me to deposit them until they had cleared. The bank scanned them and kept cashing them. If the bank could not tell they were fake, how could I? Why did they not require me to deposit these until they had cleared? Other tellers I have talked to immediately knew this situation for a scam. Why do the tellers at one branch of the same institution receive different training than the others? On XX/XX/XXXX, I noticed a negative balance in my checking account. In tracking down the problem, the fake money orders were discovered. The accounts were frozen. Unfortunately, these were joint accounts with my mother. She is being punished as well. She has already lost her XXXX Social Security Deposit, and has been living in terror for over a month about losing her home equity loan. The original loan was taken out in XXXX, and she has never missed a payment. Her credit is ruined, and she could never get another home loan with payments she can afford on a fixed income. Between XX/XX/XXXX and XX/XX/XXXX I have tried to set up reasonable payment plans. I am actively looking for work, and I am confident I will soon be employed. I have 4 acres of land for sale, and it will sell-but not overnight. Nobody can tell us if my mother will become homeless by losing her loan. Nobody can set up a reasonable payment plan with me, until I can make larger payments. The only advice we get is wait on the recovery team to contact you, while we are getting continuous notices and letters demanding payment in full of outrageous overdraft amounts. When we can't pay in full, more fees and fines are tacked on. Meanwhile, no word from this recovery team. My mother is elderly, and living in fear each day is not good for her physical and mental health. She is convinced she will soon be homeless. I was victim of a scam, and my mother is paying a horrible price. Please work with me on reasonable payments until I can make larger payments. Most of all, PLEASE do not change my mothers home equity loan forcing her into homelessness. Thank you for your time and consideration.
Consumer complaint received 2018-07-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC (LA)

On XX/XX/XXXX, i had my credit report ran and noticed a medical bill was {$100.00} was on there through XXXX XXXX. I called the number on credit report and found out it was a medical from my previous primary doctor when I lived in Indiana nearly 3 years ago. I never received any letters from anyone pertaining to this bill. I did pay this bill off and asked the debt collector if this could be deleted from credit report and all they would do is show it paid in full.