davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (FL)

Dear Sir /Madam Re falsification of Information by XXXX XXXX XXXX  and transfer of The Said False Information To debt collection company Credence Resource management base at XXXX XXXX XXXX XXXX XXXX Texas Zip code XXXX who had call me From a XXXX to my Telephone Line XXXX repeatedly asking several interrogating questions without giving me reasonable time to address their false claim and statement repeated and uttered over eight times supervisor for the company was over aggressive even when i told him i have not received any services from XXXX XXXX  XXXX from XX/XX/2021 when I engaged the company with an intent to contract them as service provider after they collected payment of XXXX XXXX & XXXX XXXX Dollars and XXXX cents { XXXX } XX/XX/2021 for gadgets and service that they said they would provided and did not deliver on the date and time agreed upon i call several time there customer service department to have the service cancelled which they told me they did. the confirmation number i cant provided the immediately but there records that must save for seven years should be available for reference. these calls were made between XX/XX/XXXX and XXXX when I have to call my bank to dispute the initial charge which was paid back on XXXXAs a result of this false claim i am respectfully asking for an investigation for this false claim of payment of XXXX XXXX and XXXX XXXX dollars and XXXX XXXX cents which i am not owing and was never gotten any service to this address .Submitted for your immediate attention.
Consumer complaint received 2019-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

There are five closed accounts from XXXX on my credit reports still that were closed in XXXX and XXXX. They are hurting my score and I have asked several times over the phone and in writing for them to be removed. The accounts have been resolved or paid for in other ways and there is no bearing for them to continue to remain on the account.
Consumer complaint received 2019-10-29
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: EQUIFAX, INC. (LA)

I mailed in several documents about identity theft and inaccurate information being reported to all the bureaus XXXX, XXXX, and Equifax. All companies have not fully complied with the Fair Credit Reporting Act and it is disturbing me that I have requested verification and validation of whom the reporting agent is to the fraudulent accounts. Student loans accounts totaling up to $ XXXX do not belong to me as I have not had any financial obligation to a loan from any school whatsoever. I mailed in documents identity theft affidavits, other agencies that made claims of a debt that I have not saw any validation from the bureaus to confirm anything attaching me to a contract or a actual debt I owe. I began disputing this information in 2017 and still have not had success clearing up this fraud that is giving me nothing but problems. I have faxed over documents to Equifax several times within the last 5 months. The only company that has almost complied is XXXX, every other company has not done there job to report information accurately.
Consumer complaint received 2023-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX Capital One Bank performed a hard credit check for a credit card application that was fraudulently submitted, using my name and social security number. 

On XXXX XXXX, XXXX I contacted Capital One bank and reported the credit card application as being filed without my knowledge or consent. 

From my understanding the application was denied. However, the credit inquiry has negatively effected my credit score and I am requesting that the inquiry made by Capital One Bank be removed immediately and my true score returned to it standing,
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Good morning, I am confused how the credit bureau is reporting information that causes by credit score to dropped tremendously. Over the last 2 months my score went from XXXX to XXXX and continues dropping and no one can explain to my why. The information by showing on the credit bureau site is not clear at all. I need your help with providing me answers to my concern and with stopping my credit to fall. 

thank you
Consumer complaint received 2019-10-29
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. (LA)

I mailed in several documents about identity theft and inaccurate information being reported to all the bureaus TransUnion, XXXX, and XXXX. All companies have not fully complied with the Fair Credit Reporting Act and it is disturbing me that I have requested verification and validation of whom the reporting agent is to the fraudulent accounts. Student loans accounts totaling up to $ XXXX do not belong to me as I have not had any financial obligation to a loan from any school whatsoever. I mailed in documents identity theft affidavits, other agencies that made claims of a debt that I have not saw any validation from the bureaus to confirm anything attaching me to a contract or a actual debt I owe. I began disputing this information in 2017 and still have not had success clearing up this fraud that is giving me nothing but problems. I have faxed over documents to XXXX   several times within the last 5 months. The only company that has almost complied is Transunion, every other company has not done there job to report information accurately.
Consumer complaint received 2019-10-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

Almost a year ago, while sleeping at XXXX XXXX, my family and I experienced a house fire. It began in the garage, behind drywall, within the electrical wiring. The structure was about 30 % fire damage and 100 % smoke damage. Luckily, my husband, son, and two dogs were safe. This experience really clues you in on how things really work and the corruption behind many businesses. You would think with home owners insurance a home would simply be rebuilt. Unfortunately, this is far from the case. Not to go into too much depth because I intend to address my complaint with Wells Fargo, the entire year has been spent in a slow process with contractors and receiving insurance money. The insurance company gives a depreciated value by approximately 60 % of what it costs to rebuild. Only when this is complete can one recoup the additional value. After the year long struggle, we have taken loans and maxed out credit cards to finish the home in order to receive the last check. Not once did Wells Fargo seek out their interests as I do have a loan with them. Not once did Wells Fargo check on this family as we have had a mortgage with them for approximately 12 years and in good standing. Our credit scores were over 800. We are very diligent in paying our bills. Not once over the past year has a single mortgage payment been late. We also have quite a bit of equity when the house is finished and equal to the neighborhood. Finally, a month ago we received a sizable check from the insurance company. I thought we were in the clear and can now pay contractors and credit cards. This is not the case. My husband and I took the check to Wells Fargo for deposit. Unfortunately, this is the only way a check of this size can be deposited, with Wells Fargo the lean holder. This though is not the problem. Wells Fargo refuses to deposit this check into my account. Maybe they could take the money and distribute it to owed contractors and a very own Wells Fargo maxed out credit card with themselves No. Instead the check is only a coaster at this time. What do they want? An appraisal. Greatcome on outOne month later and red tapenothing. I cant hang on like this. They are however accruing interest over the past month on my maxed credit card which I would love to pay off. Basically, Wells Fargo has treated us inhumanely. We have been through quite an ordeal and they have only made it more difficult. If they want to secure their interest, I have no problem with this. Where have they been the entire year. Only when I get a check which I am in desperate need of they have held us up over a month. I am in good standing and have been treated unfairly.
Consumer complaint received 2019-10-29
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: SELECT PORTFOLIO SERVICING, INC. (FL)

I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2021-07-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (GA)

This is a fraudulent debt. 

I have never done business with Radius Global Solutions and I do not owe them anything. 

My identity was stolen and this collection service continuously and fraudulently marks this activity on my credit report. This collection agency of bottom feeders needs to be shut down for the incorrect information that they report to the credit bureaus.
Consumer complaint received 2021-04-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (CA)

I believe that this account was paid off back in 2014. It had been removed from my credit report until a few weeks ago when it suddenly reappeared, claiming i owed over {$600.00}. i went to the webite of the account in order to find out what payments were made and if i actually did owe them this amount but they don't have any information about the account whatsoever. 

At the very least, this account is uncollectable based on the statute of limitations for california. I have emails regarding this account which show that the last activity on this account was late 2014. 

polease have it removed from my credit report immediately!
Consumer complaint received 2020-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2020 I called JP Morgan Chase to request a credit limit increase for my Chase Freedom Credit cars. The representative entered my request inform credit analyst will review within 10 business days. 

On XX/XX/2020 Application for credit limit increase was reviewed within a short amount of time ; however, I received a denial letter providing inaccurate/problematic reasons. My credit score is superb, yet denial letter listed the following reasons below : -Length of time since oldest credit card was opened is too short -Total available credit on credit cards is too low -Number of recent inquiries on credit bureau report -One or more Chase cards has low available credit *Notice that the date calculated shown on denial letter is XX/XX/2020 rather than XX/XX/2020. Another flaw to consider. 

XXXX I contacted Chase reconsideration line to review. The representative then put in an application. After 30 minutes of speaking with the representative ( with her filling out the application ), the call disconnected and I received no callback. I called the line again at XXXX and new representative informed that the application was entered, despite me knowing it was confirmed. After expressing my frustration the representative informed me the application for reconsideration was denied again this time with only one reason, which was completely different from what was listed in the denial letter for credit limit increase. The representative stated : We show your application was denied due to having multiple credit accounts open. 

This very well is a lack of incompetency in both customer service, financial integrity, and fair credit reporting.
Consumer complaint received 2023-01-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Dear TransUnion XXXX, I am XXXX XXXX XXXX, a victim of identity theft. I have already contacted you earlier regarding the Fraudulent Hard Inquiries, but there was no answer. There are some Fraudulent Hard Inquiries on my credit report, I notified the lenders that it wasnt me who applied and made sure no new fraudulent accounts were opened.

I did not authorize the listed inquiries, they do not belong to me, so they should be removed from my credit repoet as soon as possible : 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 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 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 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 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 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 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 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 XXXX XXXX XXXX It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States XXXX if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621.
Consumer complaint received 2019-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE BANK USA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2021-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (NY)

I had a discover card in college. I lost it XX/XX/2015. I thought it was shut down, but there were more charges on it and it showed up on my credit report as a charge off.
Consumer complaint received 2017-10-17
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. (IL)

My dispute was never with the charges on the bill. My dispute was with the validation of the charges being sold to the company convergent and their right to collect. I have a {$0.00} balance with convergent and this account is listed as A XXXX write off account with XXXX. What I asked for was the proper documentation and bill of sale of this debt to convergent and their right to collect and also the write off documentation. I have received neither. No proof that the company legitimately sold this debt and no proof that convergent has a legal right to collect. I also do not owe convergent and have a {$0.00} balance letter from them stating that this account is in fact fully paid off which is why I wanted the removal of the account from my credit report and late payments removed. I did not ask for any payment arrangements because I am not in need of any, also I did n't ask for any changes to the account. I asked for the requested documents and it to be removed from me credit report in the certain requested documents were not provided. I believe all you sent me was the bill. I also asked for my signed contractual agreement with XXXX. I was not sent that either. I want to be sent MY ORIGINAL signed agreement tying me with XXXX along with the bill of sale for the account from XXXX to convergent. If this account was n't sold properly then it would also be illegal collection on both parties and an improper write off. 

It is within my rights under the XXXX to request the said documents from above and also an obligation to provide that documentation if requestion. Final bills do not substitute as a bill of sale when requesting validation and/or verification. 

If I do not receive these documents, nor have this removed from my credit report Proper litigation will follow for not following the corporate write off procedures in place, along with billing me for an account without the proper contractual agreement and documented. 

Thank You XXXX XXXX
Consumer complaint received 2017-08-08
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: U.S. BANCORP (OH)

Fidelity Rewards Visa Signature deprived me of my lawfully earned cash rewards by depositing my cash rewards to phantom account. I have 12 accounts at Fidelity including two checking accounts. Ironically, Fidelity deposited my cash rewards on two prior months into the account I provided automatically. For the period ending XX/XX/XXXX, Fidelity deposited my cash rewards into a phantom account I know nothing about. And this came after I complained about a customer service rep. Fidelity gave me XXXX rewards points due to the unprofessional behavior of their rep. Now my account has been tampered internally by a Fidelity VISA employee. I want my full rewards points and any applicable penalties and interest by law. This is a clear case of retaliation by Fidelity 's rep and fraud by someone within their organization
Consumer complaint received 2017-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

Hello, My name is XXXX XXXX, my Loan number # XXXX. Im writing concerning of how your company has handled my mortgage, and questionable business practices. Ive been deceived by your company, mortgage representatives, and legal counsel. I would like to speak to someone from a corporate representative concerning this situation. I was making payments up to XX/XX/XXXX, then was told by Loancare that they are now mortgage handler and to suspend payments until XX/XX/XXXX due to paperwork and processing. XX/XX/XXXX arrives and im informed Ive defaulted due to 3 months of nonpayment, and in forclosure?!? Now apparently my home was sold on XX/XX/XXXX. Ive had communications with Loss Mitigation, and the attorney involved, both implied that a solution could be made to the situation. Neither gave notice it was up for auction, or lose my home. Ive been told today by XXXX XXXX XXXX attorneys office they were in favor of restarting the loan and resume payments. Today XXXX XXXX emails me stating that it was sold in XXXX, and that Ive lost my home and to contact the attorney??. This is outrageous! I cant believe this is how Loancare operates, its inhumane and unethical. Im consulting an attorney on my legal options, and other avenues to keep my home. Im XXXX, retired and now will be homeless. I appreciate any assistance in this matter. 

XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2023-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

Truist holds my mortgage. I was affected by XXXX XXXX on XX/XX/XXXX. On XXXX XXXX I was required to turn over insurance claim checks to Truist to be held in escrow until repairs could be inspected and confirmed. I was told once repairs are completed, I contact the Insurance Claim Check department, an inspector would contact me within 7 days, confirm repairs were complete and funds would be released to me. Repairs have been completed since XX/XX/XXXX. I ordered an inspection on XX/XX/XXXX. I have called the Truist Claim Check department at XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting a confirmation that an inspector is scheduled to come to my home so we can proceed with releasing the {$29000.00} that is being held in escrow. I have been told for the 5th time that my inspection request is being escalated to a higher level. Each call I place is answered by telling me that the issue is being escalated to a higher level. I paid for the repairs out of pocket and need to get the insurance funds released. To date, no inspection is scheduled. There are also additional timing issues after the inspection ( receipt of the report, review of the report by Truist, issuance of funds, mailing of funds ) is completed and I fear that it will take another 25 days beyond the inspection to release my funds. The representative has offered to send 10 % to help relieve tension, but I find this unacceptable. I have paid in full and completed the covered repairs, now I want my funds released.