davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Consumer complaint received 2022-07-18
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

they do not want to replace the XXXX that I send the banco of america is XXXX dollars XXXX says that I cancel it and send me a check which has not arrived and that only online hey solve the problemand the don't is fraude for not XXXX pay me its already XXXX I'm XXXX XXXX XXXX XXXX for no page the rent homles and hel me for my money the XXXX they don'twant to give me the account number so they can replace it and banco de america doesn't want to replace it with me
Consumer complaint received 2023-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo won't stop harassing me about fraudulent charges on my account ending n XXXX. They claim the charges are valid but at the same time say they are not insinuating I made a false fraud claim or false police report. Well not sure how else I can take it. They also say it is unlikely that a fraudster would make charges in a similar area as another fraud claim I made. Fraudsters will commit fraud where they have been able to do in the past. 

I can not drive due to eye issues caused by XXXXXXXX XXXX so I could not possibly drive to the location in question which they claim is 16 miles from where I live. I have filed for XXXX because of this XXXX and attached the paperwork I had to fill out for my XXXX  claim. I ca n't drive, no one drove me to the location. The fraud occurred during the day and my husband is not home he is at work so he could not have driven me. 

I nor anyone else known to me made these fraudulent charges. I can't afford to pay for something I did not buy. I am a XXXX XXXX XXXX and never shop at extravagant places like XXXX XXXX. My budget is limited. I've even resorted to having my husband take me to the XXXX XXXX XXXX XXXX to get free food. 

Wells Fargo keeps saying the same thing when I file a complaint - charges are valid and they are not and they are not insinuating that I made a false fraud claim or false police report. In reality they are accusing me of making a false fraud claim and false police report - otherwise how could they continue to say the charges are valid.
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: Experian Information Solutions Inc. (AR)

On XX/XX/2020, I noticed my credit score drop over 100 points on XXXX and XXXX. I saw A new account with a balance over  XXXX from XXXX  XXXX. I have never applied for anything with this company. I have been getting calls from an unknown number. They would leave messages saying its XXXX  but I thought this was spam and never returned any calls. I do not have any accounts with XXXX   and have not applied for anything
Consumer complaint received 2022-07-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (CT)

I have had the account in CITI bank for over seven months. All deposits are cleared. I tried to transfer {$25000.00} from y Citi account to an account at XXXX XXXX This would still leave me with funds still in my Citi acct. I do online banking and on THEIR webpage for my account and Citi STATED I had {$25000.00} available for EXTERNAL transfer. I applied to have this amount transferred as requested. The page would not proceed to accomplish this. I pulled up the chat page and was told that I could only transfer {$10000.00} at a time and only {$15000.00} per month ( of course, it is MY money they are talking about ). When I informed the " chat '' person, after asking for a " real Person '' rather than a bot, I stated that THEIR webpage, which I had before me, STATED that I had {$25000.00} available for an external transfer ( I have included attachments affirming this ). They put me on hold, every five minutes I asked them if they were still there, after 22 minutes I cancelled the chat and printed out my whole conversation. All of this is documented below
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. (AR)

On XX/XX/2020, I noticed my credit score drop over 100 points on TransUnion and XXXX. I saw A new account with a balance over XXXX from XXXX Card. I have never applied for anything with this company. I have been getting calls from an unknown number. They would leave messages saying its chase but I thought this was spam and never returned any calls. I do not have any accounts with chase and have not applied for anything
Consumer complaint received 2020-10-11
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. (NJ)

I sent a lot of letter to the bureaus such as TrnansUnion, XXXX  and XXXX, but they don't work wirh my case. I want you to investigate my credit report because it has a lot of inaccuracies, errors that I want to fix. 
Thank you.
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I am writing to express my concerns regarding a recent transaction dispute with Wells Fargo. Initially, I filed the dispute under the reason " Didn't receive my goods or services, '' which I believed to be accurate at the time. Upon realizing that this was incorrect, I promptly contacted the customer service department to have the reason changed. The representative I spoke with assured me that the claim would be updated to reflect " Returned merchandise but didn't receive credit. '' Throughout the claims process, I operated under the assumption that the dispute had been updated as requested. However, after over a month, I received notice that my claim was declined. When I inquired further, I was informed that the merchant had provided proof of delivery, which led to the closure of the dispute. 

I attempted to clarify that I had requested a change in the dispute reason, but it had never been updated. Unfortunately, I was told that the original reason for the claim could not be amended, and as a result, there was nothing further that could be done. 

The denial of my claim is due to the initial incorrect filing, and despite my efforts to have it corrected, the issue was not resolved. Had the dispute reason been properly updated to " Returned merchandise but didn't receive credit, '' I would have been able to provide return tracking numbers to support my claim and ensure a successful outcome. 

I believe the failure to update the claim reason has unfairly impacted the resolution.
Consumer complaint received 2023-03-10
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: Resurgent Capital Services L.P. (NY)

Re : LVNV FUNDING LLC XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX I have disputed this collection account before but XXXX has NEVER required this debt collector to submit evidence of the ACTUAL default date. What appears on my credit report is the date they bought the debt, not the date of actual default, which was at least 13 years ago.

The law clearly states that a debt must be removed from a credit report 7 years from the date of original default, not the date the collection agency bought the debt.
Consumer complaint received 2024-10-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I am writing to file a formal complaint against Portfolio Recovery Associates , LLC ( PRA ) for their illegal debt collection practices and failure to provide legally required validation of the debt they are reporting to credit bureaus. 
On XX/XX/year>, I emailed PRA requesting validation of a debt they reported on my XXXX credit report. I requested documentation proving my responsibility for this debt, including a signed contract from the original creditor, and proof of PRAs legal authority to collect this debt in Texas. As of XX/XX/year>, PRA has failed to provide any of the requested validation documents. 
PRA claims to have purchased this debt from XXXX XXXX XXXX XXXX on XX/XX/year>, with a balance of {$600.00}. However, I did not receive any notification of this debt until XX/XX/year>, in direct violation of the Fair Debt Collection Practices Act ( FDCPA ). Additionally, they claim to have purchased another debt from XXXX XXXX on XX/XX/year>, for a balance of {$380.00}. Despite their claims, I did not receive any notification of this until XX/XX/year>, which contradicts their assertion that a letter was sent immediately after the purchase. 
Moreover, Portfolio Recovery Associates has provided incorrect address information tied to the debt, further evidencing the lack of proper validation. As per the documents Ive attached, this debt has not been properly verified, and their continued reporting of this unverifiable debt violates the Fair Credit Reporting Act ( FCRA ) and FDCPA. 
In light of these violations and their history of misconduct as documented in previous CFPB actions, I urge the CFPB to take immediate enforcement action against Portfolio Recovery Associates , LLC. 
PRAs ongoing disregard for consumer rights must not be tolerated. I request the removal of these unsubstantiated debts from my credit report and that XXXX ceases all collection activity.I have also attached relevant documentation, including my initial dispute letter, PRAs inadequate response, and my XXXX credit report. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-12-02
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble getting information about the card
Company: FISERV INC. (FL)

Can not open and use app. Can not access records of transactions and see balances at all. No help with fixing app. Told app being updated. XXXX months of having to call just to check balances and request help. Password resets. Uninstalling app, reinstalling app. Shutting phone down, removing battery. Providing phone make, model IP address etc, trying to find sudden problem after 6 years of use of said app. Lies about app progress, fixing glitches, sending reports and information to IT team. No call back. Rude people on line who treat customers like idiots. Maybe we are for still trying to use this business? Never a supervisor available. Currently still online waiting for a supervisor who can just send me my money and close my account. Automated hold said XXXX minutes wait, already online with multiple customer service reps for XXXX minutes.
Consumer complaint received 2023-03-18
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. (CA)

XXXX XXXX XXXXXXXX XXXX reported late payments to my credit report. In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 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. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-10-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIRST PORTFOLIO SERVICING INC (WA)

XXXX XXXX XXXX XXXX WY XXXX XXXX XXXX WA XXXX XX/XX/year> TOTAL VISA XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Subject : Dispute of Collection Account and Request for Removal Dear TOTAL VISA, I am writing to formally dispute the accuracy of the collection account listed under my name with your agency, related to a Total Visa account. The details of the account are as follows : Account Number : XXXX Amount Claimed : XXXX According to the Fair Debt Collection Practices Act ( FDCPA ) and under 15 U.S. Code 1692c, I request verification of the debt, as I believe the amount reported is not accurate. Specifically, I believe there are discrepancies regarding. 
Furthermore, I kindly request that you remove this entry from my credit report, as inaccuracies can severely affect my creditworthiness. Please provide me with documentation verifying the debt and the amount claimed. 
If I do not receive a response within 30 days, I will consider the matter resolved in my favor and may seek further action to protect my rights. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-03-23
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: Bread Financial Holdings, Inc. (FL)

This tradeline needs to be removed. A JUDGE declared iM Court that I am no longer responsible for this account. This was orginally a victoria secret account, then sold to XXXX XXXX and then to commentity bank. It was dismissed making me no longer liable for account
Consumer complaint received 2024-09-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2020-10-19
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. (CA)

Dear Experian, I checked my personal credit report, which I acquired from your company on XXXX of XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. I contacted XXXX XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter.
Consumer complaint received 2021-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Santander Consumer USA Holdings Inc. (TN)

XXXX XXXX constituted procedural form for me to put down a XXXX % percent down payment. Which happens to be a violation under federal law. Federal law also says the finance charge is the sum of all charges. Which is considered the amount financed there is a section that says the amount this credit will cost you. XXXX XXXX has added the amount the credit will cost me into the finance charge with said company Santander consumer USA. But before all of this, the contract was consummated between myself and a finance manager of XXXX XXXX, a employee, someone who can not stand trial on behalf of the firm, a firm that can not stand in the court of law because they can not certify under the penalty of purjury. The contract was consummated by fraud. A finance charge should never be apart of a finance charge.
Consumer complaint received 2020-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (TX)

I received a debt collection request from a Aldous & Associates for a debt of XXXX dollars off a XXXX 's XXXX  membership that I cancelled in XXXX of this year. I have called them several times to speak to them in person, but only have talked to a automated voice machine. 

They did leave the option for me to leave my number but after a quick XXXX search resulting of claims of constant harassment, decided not to leave my number. 

I will once I figure out a way to not be innated by robo calls, maybe though an online proxy phone service.
Consumer complaint received 2023-05-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (OH)

SEQUIUM ASSET SOLUTION account number XXXX has reported to Credit Bureaus a debt in the amount of XXXX XXXX XXXX XXXX and XXXX XXXX  as it states on my credit report, I did not receive any initial communication from Sequium Asset Solution, I do not know nor have any business with Sequium Asset Solution, Sequium Asset Solution failed to send initial communication causing a failure for me the consumer to not be able to dispute this account, they claiming I owe.
Consumer complaint received 2020-10-19
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (KS)

We started the process to be pre-approved for a mortgage loan with PRMG back in XX/XX/XXXX. Our loan would be contingent on the sale of our current home, so we listed it for sale. The process was frustrating from the start, transferred from one loan officer to the next with no notice of being transferred to a new contact person. Communication was HORRIBLE with the company. Weeks would go by that we wouldn't hear from them. 
We sold our home in XX/XX/XXXX with literally nowhere to go. Originally, the plan was to close on our new home a few days after the sale of our current home. Luckily, the sellers of the home we were going to buy had moved out and allowed us to move in. 
I spoke with SEVERAL different members of the company including 2 regional managers. They kept giving us empty promises that we would close on our home in the next few weeks. This went on for MONTHS. I'm talking, SEVEN months. The regional managers stopped replying to my emails or answering/calling back. Our file supposedly went to underwriting SEVERAL different times, but we would never get a clear cut answer as to what they were waiting on. The appraisal on our new home had to be done TWICE because PRMG took so long that the first appraisal expired. 
Still, to this day, we have gotten ZERO answers regarding our file. This company has ALL of our personal and financial information, and we have no idea what they're doing with it. We have been waiting to close on a home for SEVEN months. The amount of emotional, mental, and physical stress this has caused for myself and my family is unimaginable. The company still will not reply to us or give us any explanation of what they are doing with our file. PRMG is a JOKE and absolutely 100 % should NOT be in business!!! Extremely unreliable, untrustworthy, and unprofessional!!!!!
Consumer complaint received 2022-02-11
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. (OK)

XXXX, XXXX is reporting on my Transunion and XXXX credit reports. This account does not belong to me. I have tried several times sending in my FTC report. Please send to these companies ASAP this account does not belong to me!