davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (NY)

Someone open or apply for a credit card from Wells Fargo for XXXX} and it wasnt me that open the credit card so I bet someone is using my name and SSN I want them to close that account and investigated whos the account
Consumer complaint received 2017-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft and there is currently a collection account being reported to my Transunion report for a debt I did not create. 

It is under the name " XXXX XXXX XXXX XXXX '' for the amount of {$1300.00}. The account number is # XXXX. 

I mailed a dispute to Transunion on XXXX XXXX XXXX and to this date, I have not heard back on my investigation request. Transunion is refusing to delete this account from my report despite the fact that I mailed them a copy of a police report I filed with my local XXXX XXXX Sheriff 's office. 

Transunion needs to delete or block this account from being reported on my credit as is my right under the Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ). Under this statute, a credit reporting agency must block the reporting of any information that resulted from an alleged identity theft if the consumer can provide appropriate proof such as an identity theft report. 

This collection company, XXXX XXXX XXXX, has not been able to prove that they have the right person in their records and has n't removed this inaccurate information. I am filing this complaint because Transunion is refusing to acknowledge my request to have this fraudulent account BLOCKED. It is my right as a consumer to request this and I will make sure Transunion is held accountable to the full letter of the law if they do not honor my request.
Consumer complaint received 2019-10-26
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. (HI)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 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,
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (TX)

On XXXX XXXX, XXXX I started a loan for a used XXXX XXXX XXXX. I paid the balance that was a total of around {$11000.00} down to {$3800.00} my last payment was XX/XX/XXXX. The monthly payment was {$300.00} for a total of four years. I contacted the business because the amount paid down was incorrect. Suddenly, it had increased by a few thousand dollars. The loan was through a company called Credit Acceptance. 

I was told by their customer service line to just continue making the payments as normal and that they would start a ticket to correct the information. I continued to call but I was given the same answer over and over. Eventually, they told me that it was interest but that was incorrect. I then decided to check the customer service reviews on the BBB website and there were a ton of disputes. 

I stopped making the payments because the debt paid down increased once again. Their customer service was not only poor but I dealt with people who were very rude and who threatened to take possession of my vehicle the day a payment is late. 

I spent hours and hours attempting to resolve the situation and in the end I was at a loss. 

Fast forward to after I halted the payments and according to my credit score I owe {$9400.00} and it keeps increasing even though it is in the " closed, charged off, '' status. 

I get phone calls, sometimes multiple times a day, from companies that claim they work for Credit Acceptance.  They're rude, I've had threats of garnishing wages and multiple continued calls at early times in the morning. 

I was going surrender the vehicle a long time ago but after I saw the price increasing I asked what could happen and I was told that the price would continue to increase until I paid it off entirely. So, I was stuck. Surrender the vehicle and continue making payments even though the amount would increase or keep the vehicle, never drive it, and  continue to receive harassing calls and watch the amount increase on my credit report ... 

What do I do? No matter what I've been told that the amount I owe will increase. So, I'll never pay off the owned amount and I've lost the use of a vehicle.
Consumer complaint received 2017-07-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted a dispute via certified mail on XXXX XXXX  2017 to all 3 credit bureaus : TansUnion, XXXX, and XXXX. I disputed two accounts, XXXX XXXX and XXXX XXXX, stating I was no longer liable and requested they be removed from all three credit bureaus. I received notification from XXXX stating the accounts in questions were deleted from my credit file. I have also received notice back from TransUnion were they are stated the information was verified, but not validated. I have not received any proof of the verification or validation regarding these disputes from TransUnion. I have not received anything from XXXX regarding this dispute and it has been over 30 days. I contacted XXXX about the disputes and the rep stated she did not see where it had been submitted and for me to do it online or mail it in. I advised the rep that I had also faxed information, but she stated she did not see that information and maybe I needed to upload it. I have copies of all the disputes that were sent to all 3 bureaus and a copy of the certified receipts and the results from XXXX stating that these accounts were removed and deleted.
Consumer complaint received 2023-04-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (IL)

On XXXX we listed our home for sale with a realtor. XXXX we entered into contract to sell. Closing was set for XXXX. On XXXX we were notified by XXXX XXXX and XXXX that there was a lien/mortgage against the property recorded at the county courthouse. We filed bankruptcy in the early 2000 's ( not sure of the year ). This property was listed in the bankruptcy. In over 20 years we never received any notices, foreclosures or otherwise in regard to owing anything. We were told it was discharged. Now three ( 3 ) days before closing we were told about this. We don't know where or how this could ever happen and was unexpected. Closing is postponed until XXXX. The title company had a very difficult timing contacting anyone to find out payoff information. Finally on XXXX they received payoff letter from PHH Mortgage. We contact our attorney to negotiate a lesser amount. She emails and calls PHH Mortgage and does not receive any response for 2 weeks. She advises us that according Illinois law, we would have to close or be possibly be in a lawsuit or other legal action from the buyers. Closing was XXXX and we had to sacrifice paying this unknown mortgage. I call XXXX Mortgage at XXXX on XXXX at XXXX XXXX talked to XXXX ID # XXXX - XXXX at XXXX XXXX talked to XXXX ID XXXX XXXX - XXXX @ XXXX XXXX talked to XXXX ID # XXXX. No one was ever able to offer any assistance or would return calls if I left voicemails. I emailed as instructed to XXXX & XXXX and received no response. The only email I would get a response from is XXXX. Please see attached emails. They did offer over 50 % discount which we agreed to. They then request us to pay and I sent them the check and proof of delivery. They informed me that release would be sent. I asked for refund as we absolutely had to pay much more and was told there would be no refund. All of this negotiation, once we could reach out to someone took over 30 days. We were notified of this being due on XXXX and closing had to occur on XXXX -- -- 2 weeks. This delay in communication has cost us over {$45000.00} which we feel is unnecessary do to lack of response on PHH Mortgage. We are asking for any assistance to recover this money we had to sacrifice in order to sell our home.
Consumer complaint received 2022-03-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (VA)

When I tried to send money from a gaming app I use XXXX XXXX to PayPal. PayPal refused to accept the payment of {$2.00} stating that I had violated the terms and conditions and they have permanently suspended my account of {$3.00}. 
Near as I can tell it is for carrying a balance which their terms and conditions say you can't do. 
This makes no sense to me because why issue me a debit card to remove money from my balance. 
Also how can you transfer money if you can't move it to them and then transfer it to where it goes. 
I wrote to them and they sent me a link that I can't access as it states that they are having a internal server problem. 
I can't copy anything on PayPal as they block all screenshots. 
If you read their terms and conditions you will see that no one can use their service without violating this term that you can't carry a balance. If everyone is in violation then they should shut down their operations and refund everyone their money.
Consumer complaint received 2019-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I'm demanding that the credit reporting agency Transunion either provide me with their Method Of Verification in regards to this instant matter or as stated within the FCRA laws delete/ remove / block the disputed accounts immediately. This is also backed by the FTC, inwhom I will report this issue to next if this isn't solved. These two ( 2 ) accounts ( 1 ) XXXX XXXX XXXX {$180.00}, and ( 2 ) XXXX  XXXX XXXX XXXX {$950.00}, I have disputed for a few months now, but Transunion response by saying accounts verified. This is being reported without any physical documentation provided to me or them. I never recieved information regarding this Method used. Whom spoken with whom, what day, time, hour this investigation taken place. What lines of communication used, fax, email, phone, etc. Transunion without properly investigating these accounts has damaged my chances of getting any extended line of credit like a house.
Consumer complaint received 2019-03-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

XX/XX/2019 Navient gave me a lowered monthly payment. They took the money out of my account the same day. 
Today ( XX/XX/2019 ) I was informed through email that I did not qualify for the loan modification. 
Am I wrong in believing that if they took the modified payment amount out of my checking account, they have entered into a contract through their action? Is their attestation that I didn't qualify for the loan modification after taking the adjusted amount out of my account an attempt to break that contract? 
Thanks for your help in this matter. 
XXXX XXXX
Consumer complaint received 2017-10-01
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. (NC)

I started receiving e-mails from XXXX XXXX  and XXXX XXXX on XX/XX/XXXX that changes had been made to my profile information. When I signed into my accounts the address, phone and e-mail had all been changed. I have checked all of my profiles and found that they have also done this to my XXXX XXXX, and XXXX XXXX, Equifax, XXXX XXXX XXXX account. I have called all of the affected credit card companies to report the fraud and cancel the cards. I have reported the fraudulent information to XXXX and they have deleted all errors. I can not reach Equifax or XXXX by internet or phone. I have attached a list of all the accounts that were affected. I also took screen shots of the accounts that they had changed my profile in. I will attach some of those as well. 

There have been many attempts to open credit cards and loans using my identity and twice they have gone into XXXX to change my address. This address also shows under my addresses listed on Equifax and XXXX. I have attached a list of all the accounts that they tried to open. 

I believe my identity theft is due to the Equifax Breach. Although my first indication that something was wrong was on XX/XX/XXXX, the first fraudulent attempt to open an installment loan was through XXXX XXXX XXXX on XX/XX/XXXX. 

I have created an identitytheft.gov account. My FTC Report Number is XXXX. I am not attaching that report because it has personal information on it. 

I have placed a 90 day fraud alert at all Bureaus. I have placed a freeze on my account with XXXX. I can not access my XXXX account due to tampering therefore I can not freeze that Bureau. I can not access Equifax by phone or on-line to freeze that Bureau. I have called and spoken to someone at Equifax whose sole purpose is to tell you to go to XXXX XXXX XXXX. I had done that when the breach was announced and then tried to enroll on the dated given to me of XX/XX/XXXX. On XX/XX/XXXX, I received my e-mail to access the TrustedID Premier Account, but I receive a Credit Lock Status Error. 

I have reported my identity theft to the XXXX, XXXX Police Department. The Report number is XXXX and is being handled by XXXX XXXX. His phone number is XXXX. I have reported my identity theft to the XXXX, XXXX Police Department. The Report number is XXXX and is being handled by XXXX XXXX. His phone number is XXXX ext # XXXX. 

The fraudulent address, phone and e-mail are : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX This is an e-mail account that I never created
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 
Account Number : XXXX
Consumer complaint received 2020-07-12
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. (TX)

they have me as a XXXX ftc violations ERRORS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


all ftc errors
Consumer complaint received 2015-09-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (OH)

We had a mortgage loan modification agreement in which Citigroup XXXX XXXX XXXX XXXX did not comply with the Loan Modification. The mortgage was assigned to Citi from XXXX in XX/XX/XXXX. In addition as a result of a settlement agreement between the United States and Citi in XX/XX/XXXX, we and other consumers were to be contacted by Citi in regards to the settlement agreement and advised of our rights under it, however Citi never contacted us and most likely many other consumers about their rights under the agreement.
Consumer complaint received 2019-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (FL)

I recently applied for auto finance. I was accepted. 
A month later I recieved a letter saying I was denied finance from another lender. 
It cited the reason as my credit score from SAGESTREAM LLC as being XXXX ... .yet i know my vredit score from the other main three agencies is 730+ why is this score so low? who is sagestream? 
I have seen multiple complaints about this company online, hundreds of consumers with the same issue.
Consumer complaint received 2021-02-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc. (GA)

On XX/XX/2021, I saw a collection put onto my credit for {$1000.00} dollars for a medical bill that has nothing to do with me. I have not owed for any medical related bills in years and havent seeked medical attention since. I filed a dispute with experian and they deemed it as valid. I then called the collections agency, medical data systems, and they told me that someone with the same last name but a first name ( XXXX ) that Ive never heard of used my information on XXXX XXXX on XXXX XXXX. They had an address Ive never heard of and I do not recognize this person at all. I tried getting in touch with the hospital related to the account but they had no records of me and therefore would not help. Please help me get this off of my account.
Consumer complaint received 2017-07-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK (AZ)

XXXX / XXXX / 2017 , Discover Bank created a check and called it check no.  XXXX  in the amount of  XXXX  against my account. they fraudulently signed my name and put under it By Discover Bank, authorized agent. I was shocked when I saw this. I never knew anyone could do something like this. This is literally stealing money from my account.   XXXX  I never authorized this and have tried to get them to refund my money but they refuse. They claim I agreed to this over the phone but I never did.
Consumer complaint received 2017-10-01
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2017-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

Since last year I disputed an inaccurate address on my credit report, in order to filed the allege disputes, i was asked by the credit report agency to submit some documents such utility bills, a valid new york state driver license and others to support my claim, as a result of the investigation of the credit report agency the following address :XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX has been disputed. And the only address and correct remaining on my credit file is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. On XXXX XXXX, 2017 when i ordered my credit report the wrong address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX never been disputed and remain on my credit file despite i already submitted copies of my new york state driver license, XXXX XXXX bill, social security card as well, i called there credit report agency to file dispute again, unfortunately they did not remove the wrong address, and also reported a wrong date on my auto loan XXXX XXXX,2017 instead of XXXX XXXX,2017. My auto loan account was opened on XXXX, 2017.
Consumer complaint received 2017-10-01
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. (VA)

The equifax security breach has affected me greatly. I have spent years trying to rebuild my credit only to have my score dropped by XXXX points due to this security breach. Im terrified that someone is using my information to ruin my good name and steal my money. I now have to go through countless measures in what seems like a hopeless effort to fix a problem that I did not create. I have notified equifax that I was affected in their security breach and I enrolled in their program but I have yet to hear anything back from them at all. Not even a confirmation letter letting me know that they got my request.
Consumer complaint received 2015-05-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

I disputed a 30 day late pay on XXXX. It is being reported XXXX XXXX I was in chapter XXXX bankruptcy and should be protected as this account was included in bankruptcy. The account has been paid off. I would like the late pay removed as al payments were submitted in my bankruptcy plan.
Consumer complaint received 2017-10-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

On XXXX XXXX, XXXX my credit bureau was hit XXXX points because of Medical Revenue Services reporting {$XXXX} that I do NOT owe and also reporting an account 2 times for the same amount {$XXXX}. My credit score would be XXXX if not for their deceptive and non consistent reporting. I have disputed the {$XXXX}  numerous times with no help or action taken for the duplicate reporting. I want all records from them deleted from my credit file because they are very inconsistent and inaccurate in there reporting. I 'm sure I 'm not the only one that they 've wrecked opportunities.