davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KEYCORP (OR)

Over 4 years ago I booked airline tickets online with XXXX. Around {$2400.00}. A few days later I received a call from my local banker asking if I had booked a second set of tickets because the same amount was just taken out of my account again and overdrafted my account. I told her no and that someone accessed my account without my consent or knowledge. On the bank statement it shows as XXXX XXXX NY, I believe. I have never dealt with XXXX  anyone!! We filed a fraud claim. In the meantime, Key Bank " lent '' me the missing money until the investigation was over. The rep, last name XXXX, notified me within a week that there was nothing they could do. I told them I was not satisfied with this outcome as they are suppose to represent and protect their clients. They demand I am the one to do the leg work and call other companies to demanded satisfaction. I have been treated poorly over the years and emails have never been answered. I have received no response to my numerous emails and am constantly shuffled between departments and hung up on. I have demanded a resolution to this situation that THEY have failed to take care of. Instead of doing their job, they have just waved it off and demand I pay back money stolen from me! So I've had money stolen from me and then they want me to pay back the money that was mine to begin with. So I'm being doubley victimized. 

Please Help!!!!
Consumer complaint received 2021-04-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

This relates to Wells Fargo Mortgage Account number XXXX On XX/XX/XXXX I wired transferred more than {$340000.00} to an account at Wells Fargo to pay off my mortgage. The person who sent the wire transfer mixed up and put the account number where the loan number was on the form. Apparently, at Wells Fargo, they had another customer with the exact same account number as my mortgage loan number so my money went into their account. 

I never got a notice from Wells Fargo until XXXX saying my loan was not paid off. At that point I had XXXX XXXX XXXX try to recapture the funds. It took until XX/XX/XXXX for me to get my funds back. 

Now Wells Fargo is saying I owe them {$4000.00} for the interest on the loan from XXXX to XXXX ... ..even though they acknowledge that they had my money at their bank for all that time. I think it is outrageous that the wire transfer was not kicked back on the day of the transfer due to the fact that Wells Fargo has the exact same checking account number as my mortgage account number. 

I have had numerous calls with Wells Fargo over this and they refuse to budge. I am hoping that this agency will help me to remove this ridiculous penalty they are demanding I pay.
Consumer complaint received 2021-10-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (ID)

I had a HELOC through TCF Bank, which was sold to The Huntington National Bank. I received a notice of transfer from The Huntington Bank on XX/XX/2021. The letter was signed by XXXX XXXX, XXXX, Consumer Loan Servicing Director. The letter advised me my HELOC had been transferred to Huntington. The letter constituted a Mortgage Transfer Notice, and said, and this is a direct quote, " This Notice does not affect the terms or payment of your mortgage loan. '' On XXXX XXXX, 2021, I received a letter from TCF Bank, and the terms of repayment of my loan had been changed. Also, The Huntington has begun a bullying campaign in an effort to make me apply for a Personal Line of Credit to replace my HELOC. I have had two conversations with The Huntington personnel, and have stated repeatedly on a recorded line, that I do not want a PLC, I want to retain my HELOC, as I am allowed by law. I have tried to set up an online account to pay my HELOC payments on line, but am unable to get any help, as The Huntington insists I have a PLC now, and " for their purposes, a PLC and a HELOC are the same. '' This is absolutely false. A PLC and a HELOC are two different animals. The letter from The Huntington lists the following contact information : The Huntington National Bank, Attn : Customer Service XXXX, XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX. I have never agreed to or filled out an application for a PLC with this Bank. Please Help!!!
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC (OH)

Two incorrect collections appear on my credit report. The two collections are actually duplicates of each other because they both have the same file number and nearly the same amount, The original creditor was XXXX XXXX XXXX. I settled the Account with one Collection agency, but the account has not been replaced by two new collection agencies, XXXX XXXX for {$490.00} and XXXX for {$440.00}. I filed a dispute but no results. 
Please investigate. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2021-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I read the report u sent me in response to my last complaint. U stated there is no problem with my credit reports and it states I made my payments on time however I have not or at least I dont see that u corrected the issue of the payment history in XX/XX/2018 which has a red box indicating negative. There is nothing negative about my payment history as I made all payments monthly and never late. So, on the one credit report, ( I dont recall which one at this time, but I suspect it is on XXXX, however please double check all three credit agencies to verify which one still has the red box in my payment history. ) please correct to represent the facts!

Also, one of the credit reports I received states derogatory in payment history which is also false. Absolutely no where on any of my credit reports should show that I am derogatory or delinquent or negative! The only thing that showed be on my reports r the true facts which clearly if I make all payments my payment history should never show anything but paid as agreed! 

U must remove all negative, derogatory and or delinquent comments, statements and or marks from all three credit agencies on my reports to represent my history with XXXX XXXX mortgage company. My mortgage company should never report anything except bankruptcy since they insist on doing so despite the fact that I did and still do make the payments all on time since day 1 ( one )! There should be no representation of anything negative except the fact I filed bankruptcy. Bankruptcy does not mean I didnt pay my mortgage, it simply was the wrong action I was manipulated into filing for judgment liens not on any credit card or mortgage at the current time. 

Must remove everything negative from XXXX XXXX and my payment history as it was and still is on time every month! 

Just because it states payments were on time doesnt change the negative, derogatory and or delinquent statements or comments in my reports. Please correct to represent the facts that I did make all payments on time.
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have attached a FTC requesting the removal of the following inquiries. 

( ( XXXX XXXX XX/XX/2022 ) ) ( ( XXXX XXXX XX/XX/2022 ) ) ( ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (OR)

Over 4 years ago I booked airline tickets online with XXXX. Around {$2400.00}. A few days later I received a call from my local banker asking if I had booked a second set of tickets because the same amount was just taken out of my account again and overdrafted my account. I told her no and that someone accessed my account without my consent or knowledge. On the bank statement it shows as XXXX XXXX NY, I believe. I have never dealt with XXXX anyone!! We filed a fraud claim. In the meantime, XXXX XXXX " lent '' me the missing money until the investigation was over. The rep, last name XXXX, notified me within a week that there was nothing they could do. I told them I was not satisfied with this outcome as they are suppose to represent and protect their clients. They demand I am the one to do the leg work and call other companies to demanded satisfaction. I have been treated poorly over the years and emails have never been answered. I have received no response to my numerous emails and am constantly shuffled between departments and hung up on. I have demanded a resolution to this situation that THEY have failed to take care of. Instead of doing their job, they have just waved it off and demand I pay back money stolen from me! So I've had money stolen from me and then they want me to pay back the money that was mine to begin with. So I'm being doubley victimized. 

Please Help!!!!
Consumer complaint received 2021-04-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

Hello, today I spoke an agent via 5th 3rd bank 's chat service inquiring about getting all previous fees charged at {$37.00} each removed dating from XX/XX/2020 till now totaling {$300.00}. I was advised that they were only refunding two fees which was done and no more per the banking policy. I explained that as a long term customer I am aware the fee removal is normally 2, however with the pandemic and the aftermath these are not at all normal circumstances. Basically I was disregarded and told there was nothing further to be done, so I asked for upper management 's assistance and my contact information was taken. I feel it's horrendous the way this financial institution has accessed fee on top of fees taking advantage of this situation as if this is normal times for people. I've not left my account in an overdrawn status for longer than 4 days you all could have at least extended the time to give people a fair opportunity to bring it current that way you all were at least doing something more than your " normal practices '' while people gather themselves during this time.

Just for reference, below is the explanation and response I sent to the agent as well : " I really hate to bother you all but as you know this pandemic has been putting a strain on a lot of people. Gratefully I just finally got a better paying job so I don't have to be concerned with these fees. However it's putting a heavier strain on me with me catching up on everything. Could you all please waive all fees accessed? '' after being told nothing they could do my response was : " Listen I can understand that under normal circumstances, however you all are fully aware that the nation is not running operating under normal circumstances with the aftermath to the pandemic. So if you can't help, I'd like to be escalated '' I find it very unfortunate that 5th 3rd Bank isn't doing much of anything to help their clients during this time, however hopefully they will implement something efficient to help those that have helped them.
Consumer complaint received 2023-05-21
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: EQUIFAX, INC. (TX)

Dear Sir/Madam, I am writing this letter to bring to your attention a concerning matter regarding my consumer report. It has come to my attention that multiple companies have furnished written-off alleged debts to my consumer report, and by allowing this, you are inadvertently aiding these companies in committing tax fraud. Furthermore, your actions are contributing to the extortion of individuals like myself, as these debts are negatively impacting our financial reputations. 

According to federal laws and regulations, a consumer report is intended to remain equitable and accurate to the individual it represents. However, I have discovered that certain written-off accounts, for which I have never received a 1099-C, are still being reported on my consumer report. These companies have already received compensation on their taxes for these debts, and it is unjust that they are now using my credit report to further their financial gains. 

I hereby request that you take immediate action to remove the following alleged debts from my credit report : XXXX. XXXX : XXXX XXXX. XXXX XXXX  : XXXX XXXX. XXXX : XXXX Additionally, I would like to bring to your attention that neither of the following addresses listed on my credit report belong to me. Please remove them promptly : XXXX ) XXXX XXXX XXXX XXXX, TX XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX ) XXXX XXXX  XXXX XXXX XXXX, TX XXXX. 

I expect these entries, as well as the incorrect addresses, to be completely removed from my consumer report within the next four days. Failure to comply with this request will leave me no choice but to pursue legal action against all parties involved. Please note that under federal law, I am entitled to seek damages of {$1000.00} per violation. 

I trust that you will handle this matter with the urgency and attention it deserves. I have enclosed copies of the relevant documentation supporting my claims. Should you require any further information or clarification, please contact me at the provided contact details. 

I look forward to a prompt resolution to this matter. Thank you for your immediate attention to this issue.
Consumer complaint received 2022-02-15
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. (FL)

My name is XXXX XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2024-10-24
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: Experian Information Solutions Inc. (TN)

Subject : Formal Complaint Regarding Incorrect Credit Reporting After XXXX  XXXX Bankruptcy Discharge To Whom It May Concern, After multiple unsuccessful dispute attempts with the Credit Bureaus ( Experian, XXXX, and XXXX ), I contacted XXXX XXXX XXXX  at the phone number listed on my credit report : XXXX. On Thursday, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I spoke with XXXX representatives, the last of whom was XXXX ( employee ID # XXXX ), who identified himself as an Account Manager. The call lasted XXXX minutes. 

All representatives, including XXXX, directed me to contact XXXX XXXX for assistance in correcting the reporting of these accounts to the credit bureaus. I was informed that my accounts had been sold to XXXX XXXX for collection. However, I was discharged in XXXX  XXXX Bankruptcy proceedings on XX/XX/XXXX, under XXXX XXXX. : XXXX, and XXXX XXXX XXXX  was listed as a creditor for discharge of the debts. 

The accounts in question are referenced as XXXX, XXXX, and XXXX. 

I am formally requesting that XXXX XXXX XXXX  update the reporting to Experian, XXXX, and XXXX to reflect that these accounts are closed with no outstanding monthly payments due. The accounts in reference remain XXXX, XXXX, and XXXX.
Consumer complaint received 2023-05-17
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American Credit Acceptance, LLC (IA)

on or about XX/XX/XXXX, the complainant and my domestic partner purchased a XXXX XXXX XXXX from XXXX XXXXXXXX auto sales in XXXX XXXX Iowa. 

on or about XX/XX/XXXX the XXXX XXXX XXXX was repossessed by American credit acceptance and resold about 3 months later. then on XX/XX/XXXX, ACA charged out the remaining debt through a 1099c absolving us of any debt and making us liable for taxes only to the IRS. 

on or about XX/XX/XXXX, XXXX XXXX XXXX XXXX bought this non-owed debt probably in bulk from ACA, and began their campaign of harassment and intimation. 

on or about XX/XX/XXXX, began reporting negative information on my consumer credit claiming we owe jointly XXXX dollars and have consistently been reporting this negative information for the last 28 months causing both consumer credit reports to drop at least 100 points when no debt is even owed. ( a total of 83 times each on both sets of our consumer credit reports. ) while at the same time consistently mailing collection letters and making collection calls. 
then on XX/XX/XXXX, XXXX XXXX XXXX filed suit against me and my domestic partner in the 5th Circuit district court in XXXX XXXX Iowa. after answering this suit and my Domestic partner promptly filed a motion to dismiss of which a hearing was scheduled about 30 days out. during this 30-day period, i sent a debt validation letter to both the attorneys of record and the company it represented. 

requesting : the original contract between ourselves and ACA ( not attached to suite ) and other things listed in the law suite .

it was during this time I contacted ACA and was informed that the debt was
discharged and a 1099c was filed. a simple phone call.

I promptly filed a motion to dismiss as no debt was owed hearing was granted after XXXXXXXX XXXX XXXX were made aware a continuance was granted then they moved to dismiss but by now both our consumer credit report was in shambles and of this could have been avoided with simple due diligence on their behalf.
Consumer complaint received 2022-02-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (WA)

My ex-wife has custody of our daughters. They all live together and none of them speak to or see me about anything. She takes the girls to medical and dental appointments and then refuses to pay the bills. Because of our divorce/child support, I have to provide medical/dental insurance. When unbeknownst to me, she takes the girls and skips out on the bill, the providers contact me for payment for services that I didn't know about, initiate or authorize. Now I have several collections on my credit report negatively affecting me.
Consumer complaint received 2022-09-21
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: U.S. BANCORP (MD)

On XX/XX/XXXX, I was charged {$100.00} from XXXX XXXX in XXXX, FL. I called XXXX and left messages three times - and to this day have not received any response. After waiting a week for a response, disputed the charge with Elan Financial Services. While I had eaten in the restaurants during my stay, I did not make this charge ( referenced at Eating Places, Restaurants on my billing statement ). Elan Financial Services investigated the claim and told me the chip was used and therefore closed my claim. I have all my receipts and each charge is accounted for therefore I requested a copy of the receipt or other proof in XXXX after being informed that the claim was closed. I decided to reopen the claim in XXXX and reminded the claim representative on XX/XX/22 that I am still waiting on this proof and to see the credit applied to my account. Elan is not being helpful or responsive.
Consumer complaint received 2022-10-13
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. (NC)

This is my ANOTHER endeavor to tell CREDIT BUREAU that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX ; XXXX  XX/XX/2021
Consumer complaint received 2021-04-20
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: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, I became aware there were fraudulent accounts on my credit report and wrote to Experian a certified letter with my affidavit to dispute and correct this information on my credit report. I spent approximately {$38.00} on XXXX tracking. I have a family to provide for and did not review my credit again until XX/XX/XXXX and noticed I had not received any correspondance from the credit bureau Experian nor emails pertaining to my dispute of this fraudulent account. On XX/XX/XXXX, I sent a second certified letter to Experian for another cost of {$38.00} and here is the tracking information for your reference : XXXX Tracking : XXXX Sent out XX/XX/XXXX, Del XX/XX/XXXX. Upon reviewing my credit report today, XX/XX/XXXX, it has been well over 30 business days and this is a violation of my rights under the Fair Credit Reporting Act.