davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-21
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Advance Bureau of Collections (GA)

I was informed by one of the employees and XXXX XXXX that that had had computer problem and that they reported old info and paid info to the credit unions on account they should not have. I have also notified them that they were not to call my personal cell and XXXX XXXX continues to call my cell ... .XXXX has informed me that they do n't work with Advanced Bureau of Collections located at XXXX XXXX XXXX XXXX Ga XXXX XXXX.
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc (OK)

On XXXX XXXX, I received an email from a company called Chime with whom I have no relationship. It indicated that a card had been mailed. I have never had a relationship with this company and I did not open an account with them. It was impossible to get someone on the line, and they do not allow the account to be closed without a phone call. Someone used my actual information, including social security number, phone number, and a years-old address to open the account. They refused to close the account unless I provided verifying information, which is a problem, because what if it was an elaborate phishing attempt? Looking at XXXX, this has happened to thousands of people, with accounts with this company being opened in their name without their knowledge, using their actual information.
Consumer complaint received 2023-01-02
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Fidelity National Financial, Inc (IN)

My mortgage was transferred XX/XX/XXXX from XXXX XXXX XXXX to XXXX. When I went to pay my monthly payment it had increased from XXXX to XXXX. I reached out to them and they said it was due to a negative escrow account. After getting my account information it showed that upon the start my account only had XXXX, making it go from negative to positive repeatedly from the start. At closing, on XX/XX/XXXX, I paid {$1000.00} towards my fall XXXX taxes and an initial escrow payment of XXXX to XXXX XXXX XXXX. My loan started with XXXX XXXX  XXXX and was bought later by XXXX XXXX XXXX in XX/XX/XXXX and is currently with XXXX since XX/XX/XXXX. I contacted the treasury department of XXXX XXXX and was able to confirm that the fall XXXX tax was not paid during closing and was paid later by XXXX XXXX XXXX in XX/XX/XXXX. I spoke with XXXX XXXX from XXXX XXXX XXXX in XXXX, IN ( XXXX XXXX XXXX XXXX, XXXX, IN XXXX. Phone : XXXX ) at the end of XX/XX/XXXX and she said she would look into it. XXXX XXXX confirmed in the beginning of XX/XX/XXXX that she " wasn't sure how this happened but that I would probably need to be refunded. '' She said they would probably have to pay the mortgage company directly. I stated either way was fine as long as it got to my escrow account. It is now the beginning of XXXX and I have left multiple emails and phone messages, as she hasn't responded since admitting the error. I am at a loss of what to do or how this kind of error goes unnoticed when they surely have to see extra funds if they are did not pay the tax or apply the amount to my escrow account.
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I Saw two accounts and two inquirires that are not mine they do not belong to me and I have not signed or authorized these accounts or used them for that matter I need help removing these from my credit report they are not mine!!!! 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX - CARD SERVICE Account Number : XXXX Reason : This is not my account INQUIRIES Creditor Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX NA Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry
Consumer complaint received 2023-08-16
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)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2019-02-26
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. (GA)

I have contacted this bureau over 45 days ago to remove all unauthorized inquiries listed below. I have not heard back from them and every time I call i get a different story. They are not willing to cooperate in removing these unauthorized inquiries they are reporting that do not belong to me. This needs to be fixed because it is wrong. This is holding me back from obtaining good credit.
Consumer complaint received 2016-10-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: STONEGATE MORTGAGE CORPORATION (TX)

I refinanced my house and Stonegate Mortgage and Servicing still has not returned over XXXX dollars thats in my escrow account. They have told me numerous times they are sending it which I have at least two of those times recorded on my computer. A manager by the name of XXXX assured me he was overnighting it. Two days later when I called to find out where it was, I was about to be transferred and then suddenly he is no longer in the office for the day at XXXX. Not one person has given me a straight answer and no one has returned my money to me since my closing over 60 days ago from writing this complaint. These people are crooks.
Consumer complaint received 2023-04-14
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. (GA)

I have contacted XXXX several times regarding this Fraudulent Account listed on my credit report. The First time of contact was XX/XX/XXXX I have sent in proof that the account was opened fraudulently as well as an FTC report. The company assured me over the phone that the account will be removed but each month reports the exact opposite to the credit bureau. XX/XX/XXXX I contacted the XXXX high risk department to let them The information they are reporting is a violation of my rights and the account was opened fraudulent the representative told me they closed the account and will continue reporting it to the credit bureaus. This company is reporting false information which violates my consumer rights which is a direct violation of The FCRA standards.
Consumer complaint received 2019-02-26
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. (GA)

I have contacted this bureau over 45 days ago to remove all unauthorized inquiries listed below. I have not heard back from them and every time I call i get a different story. They are not willing to cooperate in removing these unauthorized inquiries they are reporting that do not belong to me. This needs to be fixed because it is wrong. This is holding me back from obtaining good credit.
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Capio Partners, LLC (FL)

This account has just been listed this year for a second time. This account was alleged to have been acquired XX/XX/XXXX and has just been re-listed for the second time XX/XX/XXXX. After sitting for close to 6 years it was removed and re-added.
Consumer complaint received 2017-05-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (MD)

On   XXXX   XXXX   XXXX    , I opened an HELOC with PNC Bank. Many things went wrong on closing day : no one ready at  PNC  branch, no documentation ready in spite of weeks of advance scheduling, long wait time at another  PNC  branch..     I was told then that if I opened an checking account with PNC Bank, my interest rate would be lowered. I was told also that since I had no time to open that checking account on that day ( plane to catch ) I could come back later and open the account and then get the interest rate discount.     Today   XXXX   XXXX  , the same  PNC  Bank branch employee tells me it is no longer possible to benefit from the discount. I would have had to open the checking account on   XXXX   XXXX  .     I was clearly promised something on   XXXX   XXXX  . I am denied it on   XXXX   XXXX   XXXX . The reason I did not open the account on   XXXX   XXXX   was the delay caused by the breakdown in PNC Bank closing promise.     I add that other breakdowns have occurred since the HELOC was openened : I was mail a check book for the HELOC with an account number missing  two  digits. I complained and was told  PNC  Bank deliberately issues check books with missing digits! My account number is therefore not the account number as it appears on the book! Odd?     What should I do?     I am at your disposal for any documents related to this complaint.     Cordially,  XXXX   XXXX
Consumer complaint received 2020-10-19
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (GA)

Credit Acceptance Start Date : XX/XX/2015 Ending : {$2000.00} I disputed this account several times for Violations such as Date of last active and Inaccuracies but over and over its verified even with copies of Violations, not to mention no proof of original contract or history
Consumer complaint received 2015-08-25
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Atlantic Recovery Solutions LLC (AZ)

My account with XXXX XXXX was given to XXXX & XXXX Acquisitions the company transferred the file to Atlantic Recovery Solutions, it turns out after they are not licensed in AZ, while the file was in their possession, they pulled my credit without authorization. Atlantic Recovery Solutions threaten on several occasions to take legal actions. So I have filed a complaint with XXXX over not being licensed. I have requested license information and accounting of the account to ensure that my rights were in fact protected under the SCRA. I was XXXX XXXX times during the time in which I had the account.
Consumer complaint received 2021-06-05
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: EQUIFAX, INC. (MA)

XX/XX/2021, XX/XX/2021 XXXX : {$1400.00} This item was disputed multiple times also agent called credit on 3 way and we still couldnt get any validation or documentation send in mail. Consumer creditor completely would allow documentation to be sent out to me for proof of this debt and this is not my debt. 

Also I have NEVER received any information on this account by mail. 

Also I filed a complaint with the CFPB about the creditor. 

Consumer creditor call company while I was on the phone the original creditor is no longer in business. No information can be found by the original creditor.
Consumer complaint received 2016-06-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Gurstel Law Firm, P.C. (MN)

I filed Chapter XXXX bankruptcy and it was discharged this year. I alternative student loans what were initially with XXXX and then sold to XXXX XXXX XXXX were current prior to my bankruptcy. They did take payments through my bankruptcy. Now that my bankruptcy has been discharged I received a notice through Gurstel Chargo PA, XXXX XXXX XXXX, XXXX XXXX, MN XXXX. I sought my lawyer on this. I told the collection agency/attorney, that they need to provide documentation of the loans. They called me and stated that I these loans are nondischargeble due to they are student loans. I stated I know they are student loans but not Federal Direct loans. I told them they needed to communicate with my attorney. Now, They want me to pay upfront {$8000.00} to settle the account. I have an attorney XXXX MN. I have been working with him to try to work out something. However the collection agency will not seem to budge. 

I just got out of bankruptcy, There is n't bank out there that would loan me {$8000.00} to pay this off. Not to mention, these loans were bad from the start. You could barely track where they came from etc. They have been harassing my family prior to my attorney stepping in. I have done some research on these loans and they are so impossible to figure out. I dont even know if they have the correct information. The only thing they were able to located were the loan documents and some payment history. Now I dont mind paying on something, but why should I have to pay everything in a huge lumps sum? I cant afford that! That why I went into bankruptcy in the first place, to get myself out of debt, not back into it. Why should these loans even be in a default status?? They should be able to pay from where I left off. Im so frustrated with this. Im sure Im speaking all over the place. Please let me know what I can do or if you can help me with this situation. 
My name is XXXX XXXX, ( maiden name XXXX ). address is XXXX XXXX XXXX XXXX, XXXX, MN XXXX. My phone is XXXX and my email is XXXXXXXXXXXX Please help!! 

Sincerely, XXXX XXXX ( XXXX )
Consumer complaint received 2015-12-13
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Resurgent Capital Services L.P. (TN)

LVNV has done everything they can to my credit, They would open then close an open an account.my credit score was bouncing around from XXXX to XXXX over night when I found out who it was they were removed permanently. In the past I received letters that they were suing an then canceling suing an canceling..one day a letter came in they had retained a judgement, ,I have taken care of almost all bad credit on my report, ,I dint think they have done anything leagle, an they continually change their name an collection tactics..Is there anything you can do to help me..XXXX
Consumer complaint received 2019-02-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North Shore Agency, LLC (FL)

I had an old subscription to XXXX XXXX for years. Since I didn ' received all the issues, when I received a mail in XX/XX/XXXX asking for renew ( always by Credit Card ) I didn't do it. 
Today, dated XXXX XXXX XXXX I received a menacing letter from a collecting Agency : North Shore Agency, asking for " my debt '' with the magazine ( that indeed I didn't receive never after the last  subscription ) and " offering a 'friendly ' renew of the subscription ''. I'm responding the follow to : XXXX XXXX -- -- -- -- -- -- XXXX -- -- -- -- -- -- Dear Sirs, I just received your letter enclosed. I regret to state the follow : - I never ask for a credit nor renew from XXXX  since the last and only mail received from XXXX, that I copy below, dated XX/XX/XXXX. 
- I didnt renew nor ask sents, then I dont owe nothing. Previous years was paid by CCard. 
- Unfortunately, I didnt receive at least half of the isues of my previous subscription, since many, many years. This conduct to dont renew it. I dont know if it was due to XXXX fails, or my courier fails, but they say that they didnt received the issues in XXXX. I live in XXXX and my address in XXXX is a forwarding courier. 
- Of course, I didny received ANY of the supposed previous letters from XXXX  that you mention. Only ONE was the OFFER ( rejected ) of XX/XX/XXXX. 
I say the late as feedback only. The main point is -as I said- I didnt renew any subscription, and the proof is that I always charge it to a C.Card, and it was not charged, because I DIDNT renew it. Stop. I dont know what point could be no clear. 
I dont know what kind of scam is this, but -by the way- Im copying to XXXX  and doing a claim in the FTC ( thriugh https : //complaint.consumerfinance.govXXXX ) If you or XXXX  did a mistake, please be so kind to correct. 
Thanks, and best regards,
Consumer complaint received 2016-10-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Many unauthorized inquires were disputed. Inquiries were removed but were recently reinserted on my credit report negatively affecting my credit score. I have called transunion and fought to have inquiries removed. Transunion will not delete inquiries even though they were unauthorized by me.
Consumer complaint received 2016-07-25
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BBVA FINANCIAL CORPORATION (GA)

Name wrong on loan I noticed recently my name was wrong on my loan, I contacted bbva and was told to email in a copy of my id and proof of social. I sent my license and XXXX in. A XXXX is a legal representation of social. I was told I need to send in the card. I washed my and I am not going to make a special trip, I live in XXXX ga, to fix something that is not my mistake. Gas is expensive. BBVA is refusing to correct a document legally binding me to a loan which represents an incorrect name, they were argumentative, combative, and not accommodating on the phone. I was lied to repeatedly and the representative and she refused comply with any of my requests.
Consumer complaint received 2016-09-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (NY)

Convergent Outsourcing is reporting this account on my credit report for a collection with XXXX in the amount of {$140.00}. This account was previously owned by XXXX and I got it deleted from my credit report as it was a bogus account they could not properly validate or verify. Now I checked my credit report and saw the Convergent Outsourcing reported this account too. How can they do that without notifying me first?
Consumer complaint received 2019-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: WELLS FARGO & COMPANY (TX)

I've been denied multiple times, forvmy personal loan when there is two names on one social security number. 

Federal fraud due to an clerical error & the XXXX data breach. 

This is corrupted process that wells fargo & XXXX has beeen negligence since XX/XX/18 My file is not accurate. 

Personal loan ID : XXXX
Consumer complaint received 2017-02-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (OR)

Our home loan was sold off to SPS Servicing , Inc., XX/XX/XXXX from XXXX XXXX. Our credit was so good XXXX gave us {$8000.00} towards the principal of our loan. We 've been trying since XX/XX/XXXX to set up ACH Payments every month. Was NEVER told we could do it online. After the 1st attempt ( sent voided check ) account number wrong. After 3 more times, they failed to read the documents & continued to put the wrong number account number for withdrawal. The 4th time I sent a fax. My bank puts a dummy account number on checks to defer fraud. 3 times I wrote the correct account #, but they failed to read it. They want to charge {$15.00} for a phone payment, {$15.00} for an online payment. I have called more than 10 times! Check the notes! I do n't think they want our money. So now, I 'll snail mail a check every month. They do n't get it? They can have the house. 
We have NEVER missed a payment since we bought this house XX/XX/XXXX.
Consumer complaint received 2015-08-10
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Paypal Holdings, Inc (MN)

Paypal limited/froze my account on XXXX XXXX, 2015 for reasons that have not been revealed to me. They stated they would release my remaining funds {$280.00} within 180 days. To date, they have not released my funds despite numerous emails that have gone unanswered.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I called TransUnion Saturday XX/XX/XXXX in order to have my inquiries disputed and removed as I do not recognize any of them. They refused and said I must first make a complaint with your department. This is extremely frustrating because not a single one of the accounts I applied for.
Consumer complaint received 2023-08-16
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. (CA)

My name is XXXX 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 reports no consent is fraud.