davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-03
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. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2023-01-09
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. (AR)

Regarding the erroneous information I discovered on my credit report, I am submitting this complaint. The things in question have nothing to do with any purchases I made or gave my approval for. I have informed the Federal Trade Commission of the identity theft, and copies of the FTC 's Identity Theft Report are provided. Since I am an identity theft victim and my information was used to open these items without my knowledge or consent, I humbly request that you either immediately remove these fraudulent entries from my credit report with your company or tell me exactly where you got the information so I can take the appropriate legal action. Below is the list of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide me with copies proof of verification or any documents resulted from your investigation proving that these accounts and information belong under my name. If you can not provide me any documents, please remove the disputed accounts and information off from my XXXX XXXX
Consumer complaint received 2021-04-09
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: AMERICAN EXPRESS COMPANY (TX)

I applied for and received XXXX XXXX XXXX XXXX from American Express with a current promotion of XXXX miles if I charged {$2000.00} in the first 3 months. Upon receiving the card, I did not see any mention of the offer, so i called the number on the back of my card, representative from American express informed me that the offer was denied as i had this card in past. I checked my credit report and never had this card, so i opened a case with american express and today when i checked, i was told that when you applied, there was a pop up that said you will not get the bonus miles offer, but i never received any such pop up. this is truly misleading and mischievous. Now they would not let me talk to a supervisor. I saw that promotion on XXXX airline website and decided to apply to get those miles. Now American Express says, they are not willing to do anything for me. case # XXXX that i opened with them is now closed with no resolution. the website never informed me that i will not get the XXXX promotion., otherwise i would have not applied for the card.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of accounts/items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I am in disagreement with the item listed below which still appear on my credit report, even after your XXXXvestigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion, you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies. Please forward me an updated credit report after you have completed your Investigation and corrections. Your cooperation and prompt attention are greatly appreciated.
Consumer complaint received 2020-12-03
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/2020 a fraudulent charge of {$300.00} was made on my credit card for a cash advance. I have never used a credit card for a cash advance. I was alerted to this charge by my credit card ( Capital One ). After speaking to their fraud department the charges were reversed. 
I then received a letter on XX/XX/2020 stating that there is insufficient evidence of fraud and then charge of {$300.00} was added back to my account. 
After calling three times, being placed on hold for hours and once being told the dispute was still under review they finally told me their decision was final. 
As mentioned I have never used a credit card for a cash advance and don't even know what my pin number is. 
The charge was made while I was on vacation, and I have receipts from another credit card where you can see I was not home. 
Capital One sent me a replacement card in mid XXXX because my current one was expiring. I never received this card. When I called in XXXX about it their automated system told me to wait a few days before reporting it lost. They eventually sent me another card, the original was never received. 
The transaction was fraud, was not made by me. I attempted to explain and reason with them but they were not receptive.
Consumer complaint received 2020-12-03
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. (CA)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2020-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (AR)

Chase closed my account on the grounds of not using the card as intended which is a false allegation. The risk factor that brought them to this decision was based on the number of authorized users I added to my account in which they thought was some fraudulent activity in which I'm on a recorded line explaining that is was family members I added which is in line with the use of the card. I've spoken to higher authorities within the company which is also recorded letting them know that it was simple as reaching out to me for understanding instead of closing my account in which I've been a customer for XXXXyears, XXXX  months with no late payments. I've plead my case and they clearly stated on the phone call that I was operating within the scope of the cards intended use and if we are in agreement there then my card should have not been closed.
Consumer complaint received 2020-06-04
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. (MO)

The following accounts are unknown and unauthorized by me. My identity has been compromised in numerous ways to the point that i can not just pin point the exact source. Years ago my identity was lost with my wallet. But I also know i been a victim of the dark web as well as the infamous Equifax breach. All these episodes are beyond my control. Therefore, I'm demanding that the following unauthorized accounts be removed and block from my credit file immediately. 

1 ) XXXX XXXX XXXX {$120.00} 2 ) XXXX XXXX XXXX {$320.00} 3 ) Dept of ED/XXXX {$7700.00} 4 ) Dept of EDXXXX XXXX {$5100.00} XXXX ) Dept of EDXXXX XXXX {$5700.00} 6 ) Dept of ED/XXXX  {$5000.00} 7 ) Dept of ED/XXXX  {$1600.00}
Consumer complaint received 2020-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

XXXX is an open complaint. mr. Cooper sent me a letter asking me to contact them regarding the issue. I sent them an email with the issues in response. They did not respond. I sent an email asking them to validate receipt. They did not respond. I copied the CEO, and top level execs, and they did not respond. They are not responding to the issue. I could not update the complaint. I have attached a copy of what I sent in response to the above complaint.
Consumer complaint received 2021-01-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

These incorrect reporting accounts are adversely affecting my credit report and costing me tons of unnecessary interest every year, This is not a regular dispute I have also filed a complaint with the XXXX XXXX XXXX and federal trade commission because to my knowledge I do not recall any of these accounts. I need this problem addressed immediately and I should not have to wait another moment especially when it has already been 60 days just to receive a response because is clear you guys are just ignoring my request when you are suppose to assist me as a consumer. I demand these accounts be deleted immediately or I will have to file litigation for the stress you all have caused me. I read under Section 611 ( a ) it plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly isnt that what the law states.
Consumer complaint received 2021-10-12
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC. (CA)

I recently noticed that XXXX aka XXXX XXXX solutions has reported 2 erroneous collections on my credit report under act # XXXX aka XXXX and XXXX. My numerous attempts to resolve it with the collection company backfired and now I am being harassed not only at home but at work, and with relatives ... they have sent me " validation of debt '' claiming it was from CNU a California regulated loan company and enclosed a contract NOT signed by me reflecting interest charge of 357.84 %.. I first do NOT recognize this contract, did NOT sign this contract, and do NOT believe in the state of CA no company can charge more than 10 % interest rate... 
XXXX is refusing to remove these accounts from my report. Threatening to garnish my wages and to arrest me. How is this ok to do!
Consumer complaint received 2019-03-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY (FL)

Roughly a month ago, I called Wells Fargo to discuss lowering my interest rate, removing a co-signer, etc. I learned that unless Ive been paying on time for about 48 months ( 4 years ), and unless my co-signer is also experiencing financial hardship, I could not have my monthly payments adjusted. I accepted this, and was told by customer service that since I graduated, my interest rate would now be lowered by half a percentage or a quarter of a percent. The problem? I graduated in XX/XX/XXXX. The call was made in XX/XX/XXXX, after Id been in repayment for over a year. I asked why this hadnt been applied when I went into repayment. After all, I went online to confirm Id graduated, and even updated my contact info. The representative told me that since I hadnt contacted them specifically about the issue ( I had called multiple times during repayment and nobody had ever mentioned this ) that they did not apply the lower rate. I told them I had never heard about this in any communication, therefore I wouldnt know to ask for this specifically. I had asked in early XX/XX/XXXX for a lower interest rate or monthly payment, and nobody mentioned the graduation incentive then, either. The representative told me that this is something in the fine print when I signed the loan originally ... five or six years ago when I was still a minor. I asked if the lower interest rate could be applied retroactively, since I had  asked for something to help and had not been given the information. She said no, that was also in the fine print. The amount may be negligible, but this is just one instance of poor customer service and predatory lending practices Ive experienced with WF. The customer lines are often busy ( not even a waiting time, just busy ), and my emails almost always go unanswered. I was a few days late on my very first payment, and as a result can not make any moves to refinance even though every following payment has been on time.
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (WA)

Comenity Credit Card ( XXXX Rewards ) MISLED ME, abused me, and put me through financial hardship by neglecting full dusclosure! On XXXX I reached out to the credit card about being defrauded XXXX $ from XXXX XXXX. Since day XXXX, I have told them about what happened. THEY NEGLECTED to tell me a THING about my account being blocked AFTER they got the defrauded {$980.00} back! 

I have ben transparent with this unethical company about the fraud, my police reports, my need in the middle of a move for the funds. I begged them for helped but they mostly ignored my pleas with their MISLEADING generic message that I had nothing to worry because they would not report my account while the fraud was looked into. 

THESE NEGLIGENT REPRESENTATIVES NOT ONCE told me I needed to make payments on the stolen funds so they wouldn't PUNISH ME by blocking me access to my defrauded money they got back. 

I sent them letters, evidence, police reports. THESE IMMORAL REPRESENTATIVES misled me, even as I stressed the problem. NOT ONCE WAS I INFORMED that my account was considered past due, that they would punish ME for the problem, and that even if I made a payment today, they ABUSIVE COMPANY is punishing ME for being victim of fraud! 

THEY IGNORED ME, MY PLEADS, and simply sought to benefit from a thrid-party fraud with MISCOMMUNICATION and NEGLIGENCE. 

I DID NOTHING WRONG. I was not informed ONCE about " being past due '' in NONE of the communications ; they simply said I wouldnt be reported to credit reports. 

THIS IS DIGUSTING! ESPECIALLY BECAUSE SINCE DAY XXXX I BEGGED THEM FOR HELP, and they neglected to be fully honest. Now, this unethical company LIES that this can not be overwritten : Systems dont make themselves up! 

They have provided NO HELP, they punished ME for being victim of fraud, and they DID NOT NOTIFY ME ONCE about what was happening. I wrote to them at least twice a week with evidence and asking questions. THEY NEGLECTED TO INFORM ME of this! 

I am in a dire situation, they knew about it, and now are defrauding me of my defrauded funds! I DID NOTHING WRONG! THEY DID NOT INFORM ME, they are negligent and I demand access to the money! They did not inform me that they would do this!!! 

I should have access to the funds! If they considered the refund of the defrauded funds they should count that as payment and allow me access to the funds. THIS IS DISGUSTING and they chose to neglect me and further abuse me!!!
Consumer complaint received 2021-10-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA FSB Contact XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$140000.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2024-03-02
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: EQUIFAX, INC. (MO)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file.XXXX XXXXXXXX XXXX Balance {$6.00} XXXX XXXX Balance {$26000.00}
Consumer complaint received 2022-03-21
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. (CO)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-04-09
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)

Disputes were sent on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to dispute letter was sent to Equifax for a fraudulent inquiry by XXXX XXXX XXXX. The letters included a listing of the inquiries that were the result of the identity theft, a copy of a driver 's license, social security, utility bill, identity theft police report, and a notarized FTC ID Theft Victim 's Complaint and Affidavit. The fraudulent hard inquiries remain on the credit report.
Consumer complaint received 2019-03-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (RI)

Select Portfolio Servicing, Inc of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX is habitually in violation of Federal Reserve Reg Z. Specifically, Section 226.36 ( c ) Crediting Payments as of the Date of Receipt.

They are posting payments as-of their processing date, rather than the date received as required under Reg Z. This results in days of additional interest charges to my account.

Payments are sent via my 3rd party bill pay service that will attest to date received by.

SPS seems to lack controls and appropriate policies and procedures to insure compliance.

They have failed to comply with requests to supply me with the time stamped received payment envelope.
Consumer complaint received 2022-01-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Clearing House of America, Inc. (KY)

( Credit Clearing House of America ) at ( po box XXXX XXXX KY XXXX ) has been sending me collection notices in the amount of ( {$75.00} ) the collection opened XXXX has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.