davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo foreclosed on my home in XXXX and had me evicted My house is XXXX pa on XXXX XXXX XXXXXXXX XXXX. In XXXX I called the XXXX sheriff Department and was told on the phone that there was no recording of a foreclosure or eviction I would like to know if Wells Fargo have any record of the eviction or foreclosure from the XXXX sheriffs department or if they could contact the XXXX courts to get me documentation.
Consumer complaint received 2020-04-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (NJ)

This number calls me 3 or 4 times a day. They leave messages from syncorny bank for pep boys. I have called them and said I'm not XXXX whatever, and to stop calling, but they do not. I don't have any credit cards or loans with them. I can't stop them from leaving voicemails even though I have blocked them. They call as early as XXXX edt, and until XXXX.
Consumer complaint received 2022-08-23
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-04-25
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 — Problem with personal statement of dispute
Company: CREDIT ACCEPTANCE CORPORATION (PA)

I have asked XXXX  to verify that credit acceptance was my debt. XXXX keep saying this account was verified but never sent any verification to my address. Credit acceptance couldnt verify this debt with XXXX and XXXX so the account was deleted. XXXX is not verifying nothing with original signed documents nor are they even probably investigating these debts. XXXX is horrible. XXXX have all my accounts in a negative stand but on the other toe bureaus they are all in good standing. XXXX is carousing harm to my credit report by falsely keeping these accounts that they can not verify on my credit report. Then they are still reporting it on my credit after it was closed for years
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I own DEBIT COLLECTION NAME, XXXX XXXX XXXX, ACCOUNT # XXXX Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information You have 30 days to respond this letter with all this proof I requested or delete this collection from my report
Consumer complaint received 2020-04-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (NY)

My name is XXXX XXXX. I was trying to send my mother money using your Remitly App her name is XXXX XXXX XXXX XXXX to XXXX but the transaction has been on hold since Friday XXXX of XX/XX/2020. I want you cancel the transfer and send the money back to my account the reference no for the transfer is XXXX
Consumer complaint received 2022-04-15
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. (PA)

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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2015-06-24
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (AZ)

This is the XXXX form of communication I have given them. I am not even 2 days after the scheduled due date, I make payment arrangements on line and they still call. If I talk with them they threaten me saying the arrangement made on line is not Ok, and that they will take the car. Really? I have paid them over {$21000.00} and am not late. Here is the last e-mail sent to them : I have talked with the reps and sent an email to corporate. I have scheduled a payment on line and I keep getting calls at least XXXX-XXXX x 's a day. If I was not able to schedule the payment at that time the online would of not let me. I am not even 30 dys late! I will pursue this further if this harassment does not stop. I have paid over XXXX of the loan and only owe a few more months worth. I do believe that this harassment is because my loan is almost due and you are trying to repossess the car to make even more money on the sale of it. I am requesting that you stop calling my cell phone for a payment that is not even 30 days late. As of today is it only 10 days. The calls start 2 days after the due date.
Consumer complaint received 2022-07-30
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. (TX)

I sent a letter XXXX XXXX to CREDIT bureau ) to remove XXXXL XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$580.00} that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUEAUS are required to remove any accounts not later than 4 business days after XXXX XXXX leter that was sent to CREDIT BUREAUS. .Ive already included this in my previous Complaint # XXXX XXXX ; XXXX ; and XXXX & I am including it again.,
Consumer complaint received 2016-05-02
Product: Other financial service — Debt settlement
Issue: Unexpected/Other fees — 
Company: AES/PHEAA (NY)

I was contacted by fedloan and told they could help me get monthly payments of XXXX dollars paying back my student loans then once i signed up i was told they could not help unless i payed them XXXX dollars and i did not act fast then the Gov could start garnishment of my wages.I startd paying XXXX dollars first payment then i went online and noticed they did nothing after reciving the first payment then i called to cancel thier services and was tol i could not do so if i did i was threaten with collectons atthat point and emails and phone calls
Consumer complaint received 2022-07-30
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: EQUIFAX, INC. (TX)

in accordance with the fair credit reporting act XXXX  account has violated my rights. 
# XXXX XXXX XXXX. 
# XXXX CHILD SUPPORT ENFORCMENT. 
# XXXX XXXX XXXX XXXX. 
# XXXX XXXX XXXX. 

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 2021-11-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (KY)

I STARTED RECEIVING EMAILS ON XX/XX/2021 AT XXXX STATING AN ONLINE CHECKING ACCOUNT HAD BEEN APPLIED FOR. THEN THE NEXT FEW EMAILS AFTER THAT STATED ACCOUNT WAS APPROVED AND THEN THE FINAL EMAIL SHOWS THE EMAIL ADDRESS HAD BEEN UPDATED TO A DIFFERENT ONE ON XXXX I REPORTED THE MATTER TO WELLS FARGO CUSTOMER ADVISORY GROUP OR C.A.D. GROUP FOR SHORT AT XXXX. ONCE REPORTED, I WAS GIVEN A CASE # AND ADVISED THAT SOMEONE WILL CONTACT ME IN 3-5 DAYS. THE REP ALSO CLOSED THE ACCOUNT TO ADVOID FURTHER TRANSACTIONS FROM OCCURING BEYOND. 
PLEASE ADVISE ANY FURTHER ASSISTNACE TO ADVOID MY CREDIT BEING DAMAGED BY THESE THIEVES. 
THANK YOU IN ADVANCE FOR YOUR ASSISTANCE.
Consumer complaint received 2022-04-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

A XXXX  insurance company charged my credit card ( XX/XX/2022 ) for a service that I told them that I didn't want any longer. In return, XXXX not only charged my account but them billed me over {$100.00} in past due fees. I was finally able, after many phone calls, to cancel the credit card. Finally on XX/XX/2022, XXXX sent me an email advising me that they resolved my dispute, my account had a XXXX  balance. 

This morning I received an email from XXXX XXXX that there was an update to my credit report and credit line. I always had an excellent credit rating, now it is good! I am very upset because especially at this point in my life, I'm XXXX now, I took and take great pride in my credit and my reputation. 

I have tried calling Equifax and XXXX, being placed on hold, then disconnected.
Consumer complaint received 2018-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I was notified and sueing Equifax because of data breach have a security freez for free and XXXX refuses to I filed complaints to CFPB over or about 1oo times now XXXX has blocked me from disputing information on my credit account, Because of the Equifax data breach I see on Equifax information hard inquiorys I didnt aplly for so called the companeys on the list and they have not ever heard of me and dont have me on file ever apllying so contact XXXX and they refuse to do anything then I found out that someone was working under my information in XXXX XXXX I live in XXXX. 
Then I wrote a letter to them 19 times about the problem they blocked me from writing then I had a piad account but they blocked me from that then after they blocked me from online account they still charged me for servicesw till my bank XXXX XXXX blocked XXXX from all accounts so no one can use there cards for them. 
then I called they blocked me form calling but by law they have to send me a letter showing the reason they blocked me and they have not I know this for a fact because they dont even have my right address so could not even send me anything so they told at one time that they dont dispute hard inquiries I had to contact they companies directly but they cant do anything because they dont even have me on file so they dont have nothing to dispute on file so they cant help, then I contacted XXXX they said cant help me even with a police report they dont care. 
Then when I call they say I am blocked, online I am blocked then write a letter they reurn it in there self addressed envelope and return it to me with a letter saying I am blocked from writing, I did CFPB complaints on them then they tell me to call them when I call they say I am blocked from calling to right them so I write them they return it saying I am blocked from writing then I go on line to dispute the isue and I am blocked from my account saying I have to write they keep saying this on response to my CFPB complaint then when I respond they restart by telling you to call in there response all over again. 
Then I have a friend they worked for them they said on complaints through CFPB are all automated responses and a real person never responds to the complaint ever, and on the account they show I have 5 new hard inquiries as of XX/XX/2018 and score dropped and then I look and there is no new hard inquiries since XX/XX/2018 so they enter peoples account change records for score with nothing changing on the account fraud Identity theft and XXXX   and Equifax and XXXX are showing inquiorys that I didnt do all being done because of the Equifax data breach all three tell me they cont care and cant help me.
Consumer complaint received 2022-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NC)

i called Synchrony Bank XX/XX/2022 to close the account. I called today to confirm that the account was closed. The bank is still reporting that I have been paying late despite the fact that the account is closed.
Consumer complaint received 2022-10-08
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (MI)

I reached out on Monday, XX/XX/XXXX to XXXX to correct my enrollment and loan status. It is Friday, XX/XX/XXXX. I am currently enrolled full time in a graduate program and have been consecutively since XXXX XXXX ( and prior to the Fall XXXX semester, I was enrolled consecutively from XX/XX/XXXX to XXXX XXXX ). I have been receiving emails imploring me to complete exit interviews for a loan for the last several months. I am enrolled full time and provided the enrollment verification form upon request, via email, on XX/XX/XXXX. Several days afterwards my credit score dropped significantly ; upon providing proof of my enrollment my status should have immediately been put on deferral until it was verified by an account specialist. At the time of writing this complaint, after reaching out to UAS multiple times, via email and phone, I presently still owe a payment on their portal. My status has not been adequately adjusted to reflect my enrollment, it has had a significant impact on my credit score, and it will continue to affect me. When I reached out by phone I was not given any time frame as to when my status would be corrected. 

My loan status has been corrected and deferred until XX/XX/XXXX, however : 1. My graduate date us XX/XX/XXXX, not XX/XX/XXXX. The deferment should go until 6 months after graduation, which is XX/XX/XXXX. 
2. The incorrect status on my credit report has STILL not been corrected.
Consumer complaint received 2018-08-08
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: DISCOVER BANK (TX)

XXXX client, XXXX XXXX is a victim of identity theft. She reviewed XXXX XXXX  report and found a fraudulent inquiry from Discover bank XX/XX/2018, and again XX/XX/2018 that she never authorized. An official dispute of this information was mailed to Discover bank XX/XX/2018. Discover bank replied with a letter that denied the dispute of the fraudulent inquiry claiming that because my client did no reply to an email and because her personal information was on an online application the inquiries can be listed as accurate. This is a violation of the FCRA and my clients federal consumer rights.
Consumer complaint received 2018-05-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (FL)

My now ex husband applied for a home equity loan in 2004. When the agent came to close the loan at our house she required me to sign all of the documents including the applications. At the time I did not know any better. My husband defaulted on the loan, I started to dispute the validity of the loan. At the time of the loan, I did not work, was not on the first mortgage to the home and did not apply jointly for the loan. I have sent numerous certified letters to Ditech ( XXXX XXXX/Greentree ) requesting the application and underwriting of the loan. I have been given the run around for a year and a half. They originally would only send me the promissory note and a payment schedule. I continued to call, email, and send registered letters for the application and underwriting package. They would not send it. I spoke to their attorney who verified they sent it to someone else 's address ( a relative of my ex ). Finally a year and half later I received the application. The typed one is signed and dated the day of closing, you can see that they typed a earlier date in the corner but the signature date is the date of closing. The handwritten one is not dated at all.. I never received the underwriting. They filed a judgment against me, which I had no knowledge of and I recently had to pay them over XXXX dollars from the sale of my house. Not the one for the HELOC. I told them I would still dispute it but I had to sell the house or risk bankruptcy. Lastly they have yet to even satisfy the judgment 2 months after receiving my funds. The bottom line is I did not apply for joint credit. I did not sign the application at the time of application. My husband ( ex now ) was approved for this without me. I did not work or contribute to the income.
Consumer complaint received 2022-07-30
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. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I discovered on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report. I'm done with it. AND Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report # XXXX XXXX and XXXX. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Balance - XXXX XXXX Balance XXXX XXXX XXXX Balance {$2100.00} XXXX  XXXX Balance - XXXX BANK XXXX Balance {$220.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX ( Original creditor : XXXX XXXXXXXX XXXX ) XXXX Balance {$160.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$760.00} XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$500.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$150.00} XXXX XXXX XXXX  ( Original creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$150.00} XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX ) XXXX Balance XXXX  XXXX Balance {$150.00} XXXX XXXX Balance {$750.00} XXXX XXXXXXXX Balance {$160.00} XXXX XXXXXXXX Balance {$190.00} XXXX XXXX XXXX Inquired on XX/XX/2021 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 2020-04-16
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/XXXX CFPB USAA Response XXXX REPORTS FRAUDULENT FRAUD REPORTS. see attatched XX/XX/XXXX statement. The Fraud Claim I REPORTED XX/XX/XXXX XXXX INCLUDE ALL THE ADDITIONAL UNAUTHORIZED REPORTS USAA HAS FRAUDULENTLY REPORTED FOR TWO YEARS. ** see XXXX statement. The Unauthorized USAA CLAIMS BETWEEN XX/XX/XXXX XX/XX/XXXX {$180.00} BETWEEN XX/XX/XXXX - XX/XX/XXXX {$59.00} & XX/XX/XXXX {$230.00} ** TOTAL MY FRAUD REPORTED {$470.00}. USAA DUPLICATED MY REPORT.
Consumer complaint received 2020-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Paypal Holdings, Inc (OH)

Between XXXX and XX/XX/2020 someone " '' Hacked '' into my " PayPal account and Fraudulently " Changed '' my original email address and cell phone numbers on my original PayPal account. Please be advised that I did not give anyone my permission or authorization to change my personal information on my PayPal account, neither was I notified or contacted these fraudulently changes on my account by PayPal which I find quite disturbing & appalling, This " Hacker '' made numerous fraudulent unauthorized transactions on my PayPal account and locked me out of my account both online and by telephone. I've contacted PayPal to get some assistance to recovery my account and reset my email address, cell phone number and password but is advised that I can not access my PayPal account information because the " Hacker '' changed my original email address to his/her fraudulent ( XXXX XXXX email account and a fraudulent phone number that I can not verify because it was changed without my permission and authorization. I need help to recover my account. PayPal has my original hone address and home telephone number but refuses to assist me in the recovery of my PayPal account. PayPal mails the bills to me but the " Hacker '' has complete control of my PayPal account racking up debt in my name and sabotaging my credit. I need assistance recovering my account, email address, and cell phone from the " Hacker 's '' fraudulent XXXX account & phone number so that I can gain access to my PayPal account. I find it quite disturbing in this day and age of technology that PayPal does not have a " Technical Support '' department to assist me with my request. PLEASE, PLEASE, PLEASE I'm desperate for assistance.