davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-17
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. (PA)

They are inquires on my credit report that I do not recognized. Never authorize or given my signed signature for my credit to be acces by these creditors. Wrote all these creditors XX/XX/XX/XX/XXXX, XX/XX/ XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX and requested that they provide document with my signature and reason they accessed my credit report without my written consent. None of them replied back. This is frustrating and each day I loose sleep. This ordeal is affecting my marriage. Im the small guy and nobody care about my concern.
Consumer complaint received 2018-02-17
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. (CA)

Numerous times I have contacted both the collection company and the credit reporting agencies that incorrectly report this account that is clearly identity theft. I have never chosen to do business with this company and when I called them to report the identity theft as most collection companies do, they laughed it off. 

As required by the FCRA and identity theft laws This account should be reported as identity theft and removed immediately from all credit bureaus and less the company can miraculously provide definitive proof the count to belongs to me. 

I have been falsely threatened and accused by this debt collection company less threatened to tell coworkers or file legal action that could result in criminal prosecution. 

As stated before I am the victim of identity theft and not the criminal in this company should be XXXX XXXX from such actions against victims.
Consumer complaint received 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (CA)

A few months ago, my credit cards were charged close to XXXX overseas. I submitted a fraudulent claim and after months of back and forth with Wells Fargo and obtaining a police report, Wells Fargo refused to take this matter seriously. There fraud department did not perform an actual investigation into the charges ( i.e., look up my vendor history, reach out to the vendors to confirm the purchases ) and closed the claim. 

I received correspondence on XX/XX/year> form WF that the claim was closed based on " the EMV Chip was used and currently can not be duplicated. '' I obtained a police report, a third party, confirming that this is an ongoing fraud, however, WF dismissed that information. I'm reopening the case until WF performs an investigation into the fraudulent charges.
Consumer complaint received 2021-07-06
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: EQUIFAX, INC. (NJ)

This is not a regular dispute I have filed a complaint with the federal trade commission and the XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP! I feel that these accounts are adversely affecting my credit reporting and costing me thousands of dollars in interest every year. I will not wait another 50 days to receive no response because clearly you are ignoring me. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. According to Section 611 ( a ) is plainly stating that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. Since it has been 50 days they should be deleted promptly.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 that the information is inaccurate.
Consumer complaint received 2022-01-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (MI)

To whom it may concern : I am writing to submit a complaint regarding Selene Finance. I do not have a mortgage through this company but I did assist a neighbor in a problem he was having. Selene has a customer service phone number ( XXXX ). When you call and press 2 for Spanish there is a prerecorded message that plays and then abruptly stops so Spanish speaking callers are not able to proceed with their calls! There is an option to press 1 if you are having financial difficulty and it will connect you with a representative, but even if you press option 1 it does not do so. And then if you continue with the call to see about other options the message ends abruptly. I alerted a customer service representative to this and she said she would 'make a note in the file ' of the consumer I was helping. This is a problem when calling from multiple different phone numbers and has not been resolved since it was brought to their attention on XX/XX/22. Please investigate immediately as this is a barrier to Spanish speaking individuals being able to access such an important service!
Consumer complaint received 2022-01-15
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: EQUIFAX, INC. (GA)

I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.
Consumer complaint received 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I paid in full a credit card account on XX/XX/XXXX. Then on XX/XX/XXXX Bank of America debited my bank account {$510.00} to pay on the credit card. I have reported to Bank of America that the {$510.00} payment was made in error because the credit card already showed a XXXX balance. Further this payment overdrew my checking account and checks issued on that account will therefore be overdrawn. I tried to cancel the transaction online and could not. I then went to the bank to explain the situation and ask them to 1-refund the funds to my checking account, 2-remove any overdraft fees and 3-CANCEL the automatic payments. ( NOTE : I have repeatedly requested that the bank cancel the automatic or teller assisted payments and I have tried to do this online. It seems that this is an internal system issue and all attempts have not been successful. ) On Friday, XX/XX/XXXX the Bank could not assist me with this problem. They said " Wait til monday to see if the system corrects itself. '' This morning, XX/XX/XXXX my checking account showed overdrawn and the credit card account showed a credit balance of {$510.00}. I returned to the Bank and eventually was assured that the correction would be made and funds would be available in 7-10 business days. The bank told me that the Automatic payments would cease and they told me to return to the bank to have overdraft charges removed. I find this solution to be unacceptable a credit to my checking account should be made immediately and all overdraft fees should be waived.
Consumer complaint received 2022-01-15
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: Phoenix Financial Services LLC (CO)

This is an old record from 2015. The original company XXXX could never show me that this was my bill. I have been contesting that this is fraud for the last 6 years. Then 8 months ago they finally took it off my credit report, only to have it reappear from a company by the name XXXX. This bill for {$1400.00} is NOT mine. Can you please help me to get this resolved! Both companies are slurring my good name and I am so tired of fighting this. Please help!!!
Consumer complaint received 2022-01-15
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. (PA)

I tried reaching out to this XXXX several times about accounts that do not belong to me and are reporting on my credit! This information is fraudulent and i want it investigated and removed immediately off my credit report!
Consumer complaint received 2021-06-23
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: Santander Consumer USA Holdings Inc. (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2018-02-17
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. (NV)

In XX/XX/XXXXmy son opened up a XXXX XXXX credit card. Several years later he put me on the account as a signer. ( during those years Best Buy sold those accounts to three different banks ) My son attempted to take me off the account as a signer in late XX/XX/XXXXand was advised that this account was now a joint account and I could not be taken off. He wrote to XXXX XXXX and adived them that this joint account status was incorrect and asked for them to supply proof that both my son and I signed the application when the account was opened. 
XXXX XXXX wrote back and advised that they purchsed the assets from XXXX XXXX XXXX in XX/XX/XXXXand they had no proof that the account was a joint account as they could not locate a copy of the credit application. 

My son became XXXX in XX/XX/XXXX and I am his full time caregiver. My son stopped paying this and other bills as he is now XXXX. 

I need to keep my credit rating up and this mistake has hurt my credit scores on all the reporting agencies. I understand that the full amount on the account, about {$24000.00} was charged off last month. 

I understand that the Fair Credit Reporting Act says that the reporting agencies must show proof of the various claims or take the negitive comments off the report. Clearly in this case this has not happened.
Consumer complaint received 2018-02-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GOLDMAN SACHS BANK USA (WA)

I was contacted by Goldman Sachs Bank USA last week and told my account was overdue. I contacted them several times and was told disregard email account was fine. this was in reference to amount still owed for XX/XX/XXXX and XX/XX/XXXX, I should have only owed a remainder balance for XX/XX/XXXX, however I was told payments were declined by bank, which is odd because why would I be told the opposite after having called and spoke to a customer service representative and they confirmed receipt of payment, only to receive a call last week to be told account was almost 3 months overdue. 

The representative for Goldman Sachs and I called XXXX XXXX XXXX XXXX on a 3 way call and was told the payments weren't received. I know the money didn't go back to my checking account as I was forced to use my credit card to eat. I hardly ever use my credit card unless I am out of funds. The credit card is designed to build my credit and not destroy it! Something similar happened with another credit card I had to have canceled and reissued however I will address that issue in another complaint!
Consumer complaint received 2021-02-08
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. (NY)

TransUnion you have been requested in over 100 written communications, since XX/XX/2020, if a liability obligation reported on your credit report requires a signed document evidencing an enforceable auto lease agreement and to provide a copy of this written agreement? 

Your most recent INTERIM RESPONSE to CFPB XXXX We received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty 60 days from the date you submitted your request. is most recent evidence of TransUnion continuing obstruction and corruption.
Consumer complaint received 2019-06-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (AZ)

I co-signed, with my then husband, an unsecured line of credit in XXXX with what is now JP Morgan Chase Bank. Not once during the past 20 years did that bank or any subsidiary ask for for any credit information or updated financial statements from either my ex-husband or me. 

They NEVER verified that entire 20-year time period whether my ex was solvent - no request for tax returns, financial statements, proof of income - NOTHING. 

I kept current with my own personal line of credit and paid it off in XXXX. Despite a certified divorce decree specifically ordering that my ex pay off his own line of credit, the bank went after me for the full amount of {$77000.00}. I reluctantly settled and paid them {$38000.00}. 

Had this bank followed federal regulations and demanded credit info over the past 20 years, they would have learned a lot sooner that my ex was insolvent. They waited until he died to go after me for his past due amount. They should have NEVER kept extending his unsecured line of credit note for 20 years without financial updates!
Consumer complaint received 2021-12-01
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: Resurgent Capital Services L.P. (GA)

After reviewing my credit reports I noticed that there is a negative/adverse account on my report that I feel is not does not belong to me. The collection agency that's reporting this account in the amount of {$350.00} is RESURGENT CAPITAL SERVICES ( RCS ). The creditor is listed as XXXX XXXX. The account number is XXXX. I sent XXXX a certified letter in requesting documentation and proof that this account belongs to me. XXXX tracking shows that RCS received the letter on XX/XX/2021 more than two months ago. I have not received any correspondence from RCS. I want RESURGENT CAPITAL SERVICES to provide me with documentation and proof that this account belong to me or remove this collection from my credit reports.
Consumer complaint received 2021-02-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (GA)

XX/XX/2020 I was granted a return shipping cost as I returned items to merchant in order to receive a refund. I provided the receipt showing amount cost to ship and tracking number. I'm told I cant get refund because tracking is invalid. Now I'm denied refund as they not only keeping the items but keeping {$48.00} as well.
Consumer complaint received 2018-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I was directed by the TRANSUNION web site to get a free online credit report from a separate free website, but when I tried to access the credit report for TansUnion I was given an error that said they were not providing online credit reports at this time. So I tried to access the Transunion site to get an report and they said I would have to pay for a report since I already accessed my free one. Looks to me like a scam to get me to pay for a credit report that I should be able to get for free. Not sure why this is so hard for credit bureaus to be cooperative with consumers regarding getting easy access to privately owned data that's collected without our approval or consent to begin with.
Consumer complaint received 2021-02-08
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. (IL)

I am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows you to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I dont know where you got the following accounts from : 1. This account resulted due to identity theft. 
XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this account from my credit report immediately!
Consumer complaint received 2021-02-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/XXXX To whom it may concern : I would like to file a complaint against Capital One Bank, for intentionally adding false status date information to my credit files, thereby trying to further ruin my credit rating by re-aging a debt. 

I have attached a copy of my credit, showing what Capital One is listing on my credit files. They are claiming that I had a credit card account that they charged off, and closed in XXXX of XXXX. 

The balance, and date information, being provided in the timeline is inaccurate as well, I have had no dealings with Capital One Bank since in XXXX. 

Capital One wants this account to look as though it is real recent. I dont consider Capital One Bank to be reputable, and I want them to cease and desist from contacting me. 

And if they have passed this false information off to any other company, they need to get that dealt with as well, its unfair to have them and another agency dinging my credit files for the same inaccurate information. 

I want the CFPB fully involved in my complaint, and any communication, Capital One can contact the CFPB, and the CFPB, can contact me.
Consumer complaint received 2021-03-05
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: ALLIANT CREDIT UNION (NJ)

I received an email from Alliant today advising me Alliant reversed XXXX XXXX values back to their previous level for Alliant XXXX XXXX XXXX points. It states " Additionally, we are issuing a points credit to your account so you will experience no point-value loss overall '' I called in XXXX to downgrade my Alliant XXXX XXXX to XXXX  as a result of Aliant 's decision to devalue points. I explained to the XXXX this was the sole reason for my downgrade. 

How will I be credited back for the points now that my card is downgraded to XXXX. 

I have already contacted the company and to date my only answer from them is " we need more time. ''
Consumer complaint received 2018-02-14
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (OR)

The seller, XXXX XXXX XXXX, represented by its servicing agent, XXXX and its listing agent, XXXX XXXX XXXX XXXX XXXX utilized XXXX as an auction platform to sell to the public their bank owned property known as XXXX XXXX XXXX, XXXX XXXX. 
Approx XX/XX/XXXX, we were the winning bidders and signed a contract to purchase said home and property. 

We initially were going to attempt to finance said property, but it appeared the condition of the home may not be financeable, so we dropped the price dramatically on a property we had in XXXX so we could perform and close escrow in a timely fashion. 

I was emailing the servicing agent but they were not responding so I called them around XX/XX/XXXX to get pay off information as our closing date was to be XX/XX/XXXX. 

This was when the servicing agent informed us that the seller could not perform or close escrow as ( 1 )  they owed a $ XXXX lien/there was a $ XXXX cloud on title and ( 2 ) that foreclosure had been done incorrectly. 

Shortly thereafter, the servicing agent, XXXX XXXX informed us it might be very easy or take six months to remove the cloud/lien, so they extended closing pending finding out. 

We were initially told that the attorney had a solution, but then we were called by our real estate agent and told that the servicing agent and listing agent needed to conference with us. This was approx. XX/XX/XXXX. 

Finally, the listing agent and senior escrow agent for XXXX XXXX told us in a conference call that ( 1 ) the seller did not have the legal right to sell the house or enter into a contract to sell it, ( 2 ) the $ XXXX first mortgage was sold to another bank and was having it serviced by XXXX, and ( 3 ) XXXX was canceling its contract as the sellers agent. 

XXXX, the servicing agent, then brought their Ombudsman in to resolve or find us a replacement home, to which we have gotten absolutely no help at all and no advocacy. 

This house was to be for my son and his family who were moving back to XXXX from XXXX so my baby grandchildren would have a stable home. 

My son and his family were on their way to XXXX when we had the conference call and they had to live in a motel, extend the time on their moving truck. They have XXXX small children and two dogs, so it was a nightmare.
Consumer complaint received 2018-02-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (MN)

In XX/XX/2016 My Husband was put in the Hospital and was not given 6 months to a year During that time I missed a lot of work being the Hospital is an 8 hour Drive, and I eventually lost my Job and my husband, I was Called a Lier and even thou I Tried to make payments when I could they were never enough I was told to borrow money, loose my home sale my car. Do what ever I could to pay them. they came first.