davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Allied Collection Services, Inc. (Nevada) (PA)

Today, I received an alert that my credit report was updated with adverse information. I received this info from XXXX XXXX. I further learned that a collection agency named Allied Collection Services in XXXX XXXX, NV, reported to the XXXX national reporters under my name a claim owing to XXXX in the amount of {$1800.00}. I have never in my life had any dealings with XXXX. I contacted Allied who up to today have never notified me with any communication regarding this matter, and was told that I needed to file a complaint with my local police, call XXXX, then forward them copies of the police complaint and disposition from XXXX. Before this debt was reported to the credit companies, I was never given an opportunity to dispute this matter and am now being required to straighten it out on my own when my credit has already been tarnished. I expect the credit reporter to resolve this issue and remove this mis-information from my reports. My assigned account number from Allied is # XXXX. Their phone is XXXX.
Consumer complaint received 2015-05-13
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: Paypal Holdings, Inc (CO)

I have a balance with Paypal Credit. This account is my account alone and not a joint account. Paypal contacted my wife and divulged all the inofromation about the account to her. They have violated my privacy by revealing all of the information to my wife.
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: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX  XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX  XXXX XXXX  XXXX  Inquired on XX/XX/XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Addresses show tooltip button Select as many as apply XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY
Consumer complaint received 2015-12-05
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (CA)

eBay have developed an amazing new trick in maximizing profits by withholdingcustomers access to their own money. 

I sold a bicycle on eBay auction for {$800.00} ( XXXX/XXXX/15 ) The buyer paid PayPal {$860.00} ( ( {$800.00} plus {$67.00} eBay specified shipping charges ) PayPal immediately deducted their fee of $ XXXX flagged my PayPal account had a balance of {$840.00} whilstsimultaneously placing a hold on these same funds. 
The hold being controlled by eBay. 
eBay unilaterally and randomly decide the length of the hold with no means for customers to challenge. 
A very small number of high user ( meaning big spender to eBay ) customers are freed from this hold imposition. 
With present day virtual and instantaneous money management eBay is able to control and profit from my money still being in their account for their own uses. With the enormous customer throughput even the average small transaction amount generates huge profits to eBay all without asking/telling the customer. 

During my hold period eBay had the temerity to email to say that they would be automatically deducting, from my credit card, their fees for the auction before the hold was lifted. 
As of XXXX/XXXX/15 funds are still " on hold ''
Consumer complaint received 2015-07-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have over XXXX inquires that have been filed for a car loan. Over XXXX of these inquires was done. I have called the finance companies, and they have refused to remove the inquires from the credit report. The credit agencies, XXXX. XXXX, and XXXX have told me that I half to be present in the dealership in order to run my credit. The dispute case that I have is the confirmation no. with XXXX
Consumer complaint received 2023-03-30
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. (OH)

Dear Sir/Madam, I am writing to express my utmost disappointment and anger regarding the illegal practices of the credit bureaus. As per 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. 

XXXX # Acct # XXXX -tracking # XXXX XXXX XXXX -ACCT # XXXX tracking # XXXX XXXX XXXX XXXX  -ACCT # XXXX tracking # XXXX XXXX XXXX XXXX  ACCT # XXXX tracking # XXXX XXXX  XXXX -ACCT # XXXX XXXX XXXX -ACCT # XXXX tracking # XXXX XXXX XXXX XXXX - ACCT XXXX XXXX XXXX # XXXX have all infringed upon my rights. 

I want to highlight the following sections of the 15 U.S.C 1681 Act that the credit bureaus have violated : Section 602 A states that I have the right to privacy.

Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

Section 1681c. ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any adverse item of information, other than records of convictions of crimes that antedate the report by more than seven years.

Section 1681s-2 ( A ) ( 1 ) states that 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.

I have attached proof of the letters I have sent out to the bureaus for your records.

I would like to request that you take immediate action to rectify this situation and ensure that my rights as a consumer are protected. I trust that you will take the necessary steps to address this matter in a timely and efficient manner.

Thank you for your attention to this matter.
Consumer complaint received 2017-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

T he Company has  people call me from  XXXX , the  XXXX  saying my property is going into foreclosure.   They call in the middle of my work day, ca n't understand them then they say the have n't received payment.   I have been in good standing since  XXXX     2012!    Have not missed a payment, still trying to sleep at night.   This is my custom built farmhouse. Still working on my credit.   I believe it 's harassment.
Consumer complaint received 2022-02-13
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. (KY)

I have sent several disputes in the past to have the account reported under XXXX XXXX XXXX removed from my credit reports due to being inaccurate. I contacted XXXX XXXX XXXX to dispute the information as well and have yet to receive a response. XXXX removed the inaccurate information reported by XXXX XXXX XXXX, but XXXX and Experian have not. The latest letter I sent to XXXX and Experian to exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information ... ect. Neither XXXX nor Experian, have provided me this information in the 15 day time period allowed and I am making this complaint to show abuse, bias, and prejudice by them not affording me my rights under the FCRA or deleting the information from my credit report.
Consumer complaint received 2015-08-20
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Residential Mortgage Services Holdings, Inc. (PA)

I have been trying to go to settlement for over a month. It was scheduled again today, and now the mortgage company says they are not ready AGAIN!!! The people at Residential Mortgage Services ( NMLS # XXXX ) in XXXX, PA seem to be completely inept. I 'm beginning to wonder if they are even a licensed mortgage company. This has moved well beyond ridiculous now, and I have inconvenienced and cost many people through this whole process. I am the seller in the transaction and need to get this done.
Consumer complaint received 2024-03-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (CA)

I was contacted by Citibank on XXXX of possible wire fraud from our company account XXXX XXXX on XXXX. I DID NOT make any wire transfers on that date. Nor did my wife XXXX XXXX, who is also on the account. The two amounts were {$4400.00} and {$4300.00}. I was in XXXX on XXXX at XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX, CA. My wife XXXX XXXX was there at the XXXX but for a brief time to get fuel for the vehicle and lunch. 
XXXX XXXX went into our local branch that we have been with for years to sign an affidavit of unauthorized transfer on XXXX. I could not travel to sign the affidavit for health reasons. 
Citibank has denied my claim of fraud twice. I will continue to pursue all avenues to reclaim the money. I am still not working due to XXXX and that money would have taken care of us will I heal. I have sent in a letter to prove my whereabouts on that day and will add another here. Citibank has not given us any proof that WE made the transfers. I am assuming because there isn't a way they can completely prove it was one of us. We do not know the recipient of the wire transfer nor have we ever done business with them.

We have stopped using an email that is filed with the bank just in case of any other fraud. But to prove ourselves it was XXXX. Our account is now frozen with Citibank but want to be safe. Two valid emails are XXXX or XXXX. 
I can't understand why we are not being protected and have our money refunded. ESPECIALLY when Citibank contacted US of suspected fraud, they noticed before we even knew! This has come at an extremely bad time for us to have this happen and more so knowing that the bank we have used for years is NOT protecting us!!!!!
Consumer complaint received 2023-03-30
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. (MD)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX  ( Account # 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 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 2016-03-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (MD)

Santander is reporting as if the loan is open and new this account has been closed since XX/XX/XXXX. The is falsified reporting on my credit that 's against the law. It report balance of XXXX as of XXXX/XXXX/XXXX. XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2023-03-30
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: Experian Information Solutions Inc. (TX)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2015-08-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Penn Credit Corporation (DC)

I was billed by the local electric authority ( XXXX ) for the balance of a bill I did not know that I owed ( I had moved away from the apartment in question several months prior ). I received a letter from XXXX that was forwarded to my new address and I paid the bill, directly to XXXX, on the final day that it was due ( XXXX/XXXX/15 ). 

About a week later I received a letter, issued XXXX/XXXX/15, from PennCredit attempting to collect the debt on behalf of XXXX. I called PennCredit at their listed number on XXXX XXXX. I explained that the bill had been paid, and the person answering the phone assured me that PennCredit would verify this with XXXX and that I would need to take no further action. She told me that PennCredit would be unable to verify that the matter was settled in writing. 

Today, XXXX XXXX, I was informed by my stepmother that Penn Credit repeatedly called my father and stepmother 's house, seeking to contact me. I have not lived in the same household as my father for 17 years. I called Penn Credit to ask why they were continuing to follow up, and the person answering the phone was only able to tell me that she had a record that the debt was paid, as well as a record that the phone call had been made, and did not know why my record was still being called, as there was no outstanding debt. She was unable to provide any kind of additional confirmation that I should not longer be contacted ( really, I should not ever have been contacted in the first place ) and that this would not happen again.
Consumer complaint received 2016-06-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (GA)

Back in the fall of 2015, I reached out to Wells Fargo to see what they could do to help my financial problems in being unable to make my mortgage payments. I had been unemployed and underemployed several extensive periods over the last 3 years. I asked if they could stop my payments for a period of 6 months as I felt I was soon going to receive good employment. I did at the very end of the 6 months get a good job. I reached back out to them and stated that I have employment and asked if I could get my payments restarted. This is when things changed. I was lead to believe that this was a simple 6 month period for me to get my finances straightened and then to restart the loan. Suddenly they 're asking for financial documents and talking about making an offer to my current loan. I was confused, but went along with the process. I was told I had until XXXX XXXX to make a payment, except now I 'd be a part of a loan re-modification. My offer was 40 years at my current 5 5/8 % rate and that my payment would go down $ XXXXmonth, but now my loan amount was more and for 40 years. I was pressured into agreeing to this. They said that they 'd need additional documentation in order to possibly make me a different offer. The problem is that my ex-wife is dragging her feet on a quit claim deed she needs to sign from the divorce and now I feel like I 'm stuck and Wellsfargo has not been helpful in getting me into something that 's realistic. Plus i feel like they 've been extremely vague and difficult to understand. It 's like they want me to fail so they can foreclose on me. This experience has not been nice nor professional and I need some help before they take my home. Please help.
Consumer complaint received 2015-10-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc. (CA)

I informed them that the debt was not mine. They stopped contacting me and instead filed a lawsuit. When I emailed to settle to be done with it, they told me to call, but did n't give me a phone number. When I responded saying they did not provide a real phone number, they responded telling me to call them again. 

Finally, I was able to find the number they never gave me online. I called to talk about the debt and XXXX XXXX told me they had filed to garnish my wages and did n't even know how much I owed. When I tried to talk to her manager about it, XXXX flat out hung up on me because I was n't " being very nice. " After two years of refusing to answer any communication from me, now they refuse to even let me pay a debt I never owed. Meanwhile, they have been reporting this account TWICE to the credit bureaus this whole time even though they told me they were not and would not.
Consumer complaint received 2023-03-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical-Commercial Audit Inc (MO)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX  XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX  XXXX  Inquired on XX/XX/XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Addresses show tooltip button Select as many as apply XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY
Consumer complaint received 2016-05-03
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (TX)

I borrowed XXXX dollars about XX/XX/XXXX from Cashnet.com. I told them I do not get paid until the XXXX of each month on my social security XXXX .They called me after less than a week to get paid then I filed for an extension when they said the loan was due on XX/XX/XXXX. Then when I paid them today-XX/XX/XXXX they charged me over XXXX. This is price gouging. I sent them a complaint and when I called them today after they were paid they would not speak to me but kept me on hold for along long time so I hung up. Is this legal? My account number is XXXX
Consumer complaint received 2015-05-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (WA)

From XX/XX/XXXX-XX/XX/XXXX I managed a shared house community. Upon my move out/vacating in XX/XX/XXXX the landlord and the folks who took over did not handle the accounting correctly. I had an account with XXXX XXXX XXXX in my name while residing there. It was not taken out of my name for years. I have received a bill from a collection company for XXXX. This bill should be presented to the owner of the property XXXX XXXX ( of XXXX, XXXX, WA ). It is incorrect to bill me for an account that should have been in her name or a tenant name.
Consumer complaint received 2017-05-01
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: EQUIFAX, INC. (MD)

I have attached a copy of the accounts that are fraudulent as well as the inquiries that are fraudulent along with a copy of the police reports have sent them to Equifax numerous times for them to rectify the situation however they continue to report the information as being accurate although I have sent in a copy of the police report from the state  and county I  live in.
Consumer complaint received 2017-02-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am filing this complaint against Trans Union. Because Trans Union has ignored my requests to be provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA they are required to '' ... promptly delete all information that can not be verified '' that I disputed. Please resolve this matter as soon as possible. Thank you for your help.
Consumer complaint received 2015-11-05
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Peerless Credit Services Inc (PA)

I have been negotiating in good faith with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX Tel : XXXX. XXXX XXXX XXXX refuses to send a statement confirming the amount that I owe. I sent them an EOB last month ( XXXX 2015 ). Only to discover that my case had been sent to collections. Peerless Credit Services, XXXX XXXX XXXX, XXXX, PA XXXX Tel : XXXX.