davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (PA)

My name is XXXX XXXX and on XXXX XXXX I received notice from WELLS FARGO XXXX preservation Department stating their loan modification was denied on account number XXXX. Currently there is an Appeal on this denial, however I noticed that a ( income and expenses documentation XXXX from XXXX was used in the decision on the loan Modification application submitted in XXXX XXXX. Due to the change in circumstances from The origination of the loan in XXXX, This matter should be investigated.
Consumer complaint received 2021-03-24
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (IL)

Received a text message from Synchrony Bank on XX/XX/2021, at XXXX XXXX that stated : PayPal Extras MC courtesy reminder. Make payment. Pay at paypal.com XXXX. Msg rates may apply. Synchrony Bank. To opt out reply STOP Called XXXX on XX/XX/2021, at XXXX XXXX and spoke with XXXX XXXX XXXX ) for roughly eight ( 8 ) minutes who said she would put " something '' into dispute again and she will be sending out paper statement ( s ) for this account which, unbeknownst to myself, is in arrears from the last CFPB complaint ( XXXX ) that was made against Synchrony Bank and NOT RESOLVED. I'd asked XXXX at first if she could email my statement ( s ), she didn't answer then proceeded to confirm my mailing address, albiet she's going to send them. 

I'm signed up for paper statements on my account and without the card attached to the account being registered due to privacy concern ( s ) there is no way and hasn't been a way for me to log into my " PayPal Extras MC '' and see the account. 

That is the status as of this morning, XX/XX/2021, at XXXX XXXX
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-03-31
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. (FL)

n accordance with the Fair Credit Reporting act XXXX  Account - {$740.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-10-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCC Business Services, Inc. (FL)

XXXX collection agency reaged acct to XXXX/XXXX/XXXX & reinserted after it had been removed. I spoke with a woman attorney located in TX in XXXX that was handling the account for the original creditor. She advised the account had been resolved do to vehicle being resold and funds from bank accounts had been withheld. I never received anything in writing stating an amount owed or agreed upon. The account had been deleted by original creditor after vehicle was resold. XXXX collection agency has reinserted and reaged an account that was resolved with creditor. There was never any verification or validation in writing of alleged debt when requested XXXX/XXXX/XXXX via fax and XXXX/XXXX/XXXX via certified mail. The credit bureaus stated collection agency only verified name, ssn, dob and never provided written proof of debt with all documents. Per FCRA written proof and notification is required. Also a resolved account can not be reaged and reinserted to credit file.
Consumer complaint received 2017-10-03
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: Experian Information Solutions Inc. (AL)

I have informed all of the credit agencies that the XXXX XXXX XXXX XXXX Account that the late reporting on my credit file is reporting in error. I was never late on this account. Please help me to get this inaccurate information removed from my credit file.
Consumer complaint received 2015-06-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

I sent certified letters to debt collector to validate these XXXX debts. They sent letters back stating they needed more information from me, which I gave them that on the letter the account numbers which are on my credit report. I stated on my certified letter that I wanted information from the original creditor with my signature and dates of the account. They did not have any information but the name of the creditor which I already knew that, because it is on my credit report. I would like both of these debts removed from credit reports. XXXX, XXXX and XXXX.This debt can not be validated.
Consumer complaint received 2021-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (PA)

So XX/XX/2021 I got an email stating I opened a XXXX XXXX account, I have never requested an account ( checking account ) so I called experian, and XXXX and had fraud alerts and securities placed on my account. For experian im actually paying for it XXXX $ monthly and i was actually charged the other day. Today XX/XX/2021 I got another email from experian stating XXXX XXXX checking account has been opened in my name also. How is this possible if I had security alerts and fraud securities placed on MY account? How is this possible. It means someone is allowing people to take out fraudulent accounts in my name. I'm very angry this happened. I need something done now. So again today, hours of being on hold with XXXX  and XXXX and again experian and they say my credit is secured? How someone opened another account in my name. Please helo
Consumer complaint received 2017-10-03
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. (AL)

I have informed all of the credit agencies that the XXXX XXXX XXXX XXXX Account that the late reporting on my credit file is reporting in error. I was never late on this account. Please help me to get this inaccurate information removed from my credit file.
Consumer complaint received 2017-01-27
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates (MI)

I received a letter dated XXXX/XXXX/2017 alleging I owe XXXX XXXX XXXX XXXX XXXX on XXXX different accounts. I do owe them for XXXX emergency room visit, which I am making agreed upon payments which their letter had the incorrect balance. I have no knowledge of what this Collection Agency is talking about.
Consumer complaint received 2017-10-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I challenged XXXX XXXX XXXX through Equifax sent Certified Mail on XXXX/XXXX/XXXX. They received it on XXXX/XXXX/XXXX according to my tracking number through USPS XXXX. I have yet to receive any documentation regarding my initial dispute and it has been more than 30 days. My credit report has never been noted that XXXX XXXX is under consumer dispute. I have called several times and have been on hold for more than 30 minutes. I have been unable to get in contact with a live Equifax Representative.

Under the FCRA 15 U.S.C. 1681i, every single one even each any and or all of the unproven, not compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory account ( s ) must be promptly annulled in its entirety or even the whole of the claimed account ( s ) are to be deleted. Therefore, they were unable to provide me with a copy of the verifiable and irrefutable proof that they have on file for every one even each any and or all of the adverse accounts listed below and they failed to do so within 30 days of receipt of my complaint challenging their compliance to true accurate and complete timely reporting they must remove any and all of these accounts of chicanery leading to these unjust and unlawful accusations of subterfuge from my credit report. They are in complete violation.
Consumer complaint received 2021-09-10
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: Experian Information Solutions Inc. (TX)

I have consolidated all of my student loans, however I have old student loans that are reporting negatively on my credit report. These loans in question are between 10 to 13 years old, and double reporting on my credit report.
Consumer complaint received 2021-07-05
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: Experian Information Solutions Inc. (FL)

a Federally protected consumer under title 15 chapter 41 ; Pursuant to subsections ( a ) and ( b ) of 15 USC 6802 prohibit the disclosure of my nonpublic personal information without my consent, I NEVER GAVE XXXX my written consent to report anything on my consumer report 15 U.S Code 6802 ( a ) and 15 U.S Code 6802 ( b ), No consent is Identity Theft. If all accounts are not removed ; the consumer is owed actual damages under 15 USC 1692k. A copy of the law is attached with this dispute letter. 

In light of these violations of my consumer I've sent certified mails to all three credit bureaus with tracking numbers to attest the validity of my claims. 

Experian ( Tracking # XXXX ) The item was delivered to an individual at the address at XXXX XXXX on XX/XX/2021 in XXXX, TX XXXX. 

XXXX ( XXXX # XXXX ) The item was delivered at XXXX XXXX on XX/XX/2021 in XXXX, GA XXXX. 

XXXX ( Tracking # XXXX ) The item has been delivered to an agent for final delivery in XXXX, PA XXXX on XX/XX/2021 at XXXX XXXX. 

In my attached files are copies of the law.
Consumer complaint received 2022-01-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF NEW YORK MELLON CORPORATION, THE (NY)

Responding to XXXX 's response herein from Complaint ID XXXX : XXXX XXXX 's correspondence letter does XXXX provide a specific reason why my instruction was deemed " Not In Good Order ''. XXXX 's failure to execute my instructions and XXXX 's conduct including miscommunications that XXXX admits to, from representatives belonging to XXXX is unacceptable financial institution behavior.
Consumer complaint received 2024-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

I deposited a check into my checking account with mobile app for Truist on XX/XX/XXXX. I expected that it would be held for a day or two the amount was {$6900.00}. Right after mobile deposit my account was frozen for fraud and under investigation. And no one can tell me the reason. There's not enough information. Truist only stone wall you.
Consumer complaint received 2021-07-05
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. (FL)

I am a federally protected consumer under title 15 chapter 41 ; NEVER GAVE any credit reporting agency written consent to report anything on my consumer report 15 U.S Code 1681b ( a ) ( 2 ), No consent is Identity Theft. If all accounts are not removed ; the consumer is owed actual damages under 15 USC 1692k.

In light of these violations of my consumer I've sent certified mails to all three credit bureaus with tracking numbers to attest the validity of my claims. 

XXXX  ( Tracking # XXXX XXXX The item was delivered to an individual at the address at XXXX XXXX on XX/XX/2021 in XXXX, TX XXXX. 

Equifax XXXX Tracking # XXXX ) The item was delivered aXXXX XXXX XXXX on XX/XX/2021 in XXXX, GA XXXX. 

XXXX  ( Tracking # XXXX XXXX The item has been delivered to an agent for final delivery in XXXX, PA XXXX on XX/XX/2021 at XXXX XXXX. 

In my attached files are copies of the law.
Consumer complaint received 2017-10-03
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. (AL)

XX/XX/XXXX ( ca n't remember exact date ) I called XXXX for the 6th time this month to report that fraudulent activity was going on with my account. Somehow I kept getting inquires added to my account that I was not authorizing. I thought that maybe this could have been from the data breach that was going on. I have XXXX inquires that I did not authorize. After being on hold and hung up on numerous times I finally got one of the rudest people ever. I informed the rep that I had already reached out to most of the creditors and that all they told me was they would dispute but it would be best to call the credit bureaus to have them delete the inquires since it was affecting my credit score and because I did not authorize. The rep basically told me I was liar, made me feel XXXX, belittled me, and would not transfer me to a different rep or management. He wouldnt even give me his name to make a complaint on him. I informed him all I wanted was all inquires deleted off my account because I NEVER made any of them and that my score drastically decreased because of it. I had never felt so belittled in my life. After listening to this rep make me feel like a complete XXXX and that I was doing something wrong I ask to speak to a manager this rep  actually told me he refused to transfer me because I was a liar and no one could do anything for me. I never in my life felt the way this rep made me feel and it made me hate XXXX for it. All I wanted was some unauthorized inquires deleted. That 's it!!
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Atlanticus Services Corporation (CA)

I purchased a brand new treadmill from XXXX ... they financed me through Fortiva retail credit ... but when I received the treadmill it was not working and it was supposed to be new, so I decided to send it back and get a refund .... when my 1st payment was do with Fortiva I called them and explained that I was returning the machine and asked them if they can freeze my account until the problem got resolved ... they said they couldnt freeze it but they would waive the late fee for that month and I would have to pay the installment the following month ... by the time the 2nd payment was do I explained to them that XXXX had already picked up the machine and I no longer had it in my possession ... I told them that XXXX was going to refund Fortiva the full amount financed and it would take from 7-10 business days ... i asked them I didnt want to see the delinquent marks on my credit report .. I seen on my credit report that I had a delinquent report so I called Fortiva back and asked them if they could not report me being delinquent because it was affecting my credit score ... they said they couldnt stop it because it was automated .. I explained to them that I had no control over when they were going to be reimbursed ... they want me to contact XXXX  and tell them what is going on ... I have been calling XXXX  for 2 days now and still have not been able to get through to them ...
Consumer complaint received 2022-10-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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
Consumer complaint received 2021-09-10
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. (TX)

I have consolidated all of my student loans, however I have old student loans that are reporting negatively on my credit report. These loans in question are between 10 to 13 years old, and double reporting on my credit report.
Consumer complaint received 2017-10-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

My loan with XXXX XXXX was paid off in full on XXXX XXXX by XXXX XXXX. 

XXXX XXXX received an extra mortgage payment from me in the amount of {$3100.00} on XXXX XXXX and is refusing to return that payment to me in a timely fashion - they had promised it would be sent within 10 business days and is now informing me that it 'might be in the mail '. It is beyond the 10th business day and they are stating they are holding the amount 'just in case the check does n't clear '. 

I have ALREADY been informed that the loan has been repaid by a letter from them, and that a Full Reconveyance will be sent directly to the County Recorder. 

I believe XXXX XXXX is holding my funds in violation of terms and conditions of my paid-off loan and should pay interest to me for the amount they are holding from me.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are XXXX XXXXXXXX XXXX XXXX accounts on my credit report that are reporting inaccurate information. Trans union Credit bureau or XXXX XXXX XXXX is claiming that these accounts were closed in XXXX of XXXX which is incorrect. they had previously claimed they were closed in XXXX of XXXX which is also incorrect. In fact both of these accounts were closed in XXXX of XXXX. Attached are the XXXX bureau credit reports from XXXX of XXXX which clearly state that both of the XXXX XXXX XXXX accounts are closed. This is very deceptive and costly and would like these XXXX accounts removed from my trans union credit report. I have disputed this with trans union and XXXX XXXX XXXX and trans union stated as accurate. XXXX XXXX XXXX never responded. I recently found the credit reports form XXXX to solidify my claim.
Consumer complaint received 2022-10-06
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. (GA)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXXXXXX 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 XXXXXXXX** 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 an account without my written instructions.