davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (NC)

I need PNC to stop blocking XXXX from accessing my account via 3rd party apps like XXXX, XXXX etc. I want to be able to access my accounts securely but PNC wont even allow it to communicate. I believe I have the right to use these apps after proving my identity.
Consumer complaint received 2020-05-08
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: WELLS FARGO & COMPANY (CA)

I AM VICTIM OF AN IDENTITY THEFT, I HAVE SUBMITTED ALL REQUIRED INFORMATION TO THE CREDIT BUREAUS. THE ACCOUNT AND THE CHARGES ARE FRAUDULENT, SOMEONE STOLE MY INFORMATION AND PRETENDED TO BE AND USED MY INFORMATION AND OBTAINED THE FRAUDULENT CREDIT CARD FROM WELLS FARGO.
Consumer complaint received 2020-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

This complaint is about Capital One credit card number XXXX XXXX XXXX XXXX which has been ongoing since XX/XX/2020 and has not been resolved. 
Our household of two senior citizens, XXXX XXXX and XXXX XXXX has one land line telephone number only which is XXXX. We do not have mobil service or texting service as we do need those services. 
Capital One refuses to recognize our telephone number and will not grant access to my account via on line service because we do not use mobil or texting services. Consequently, I can not see my statements or pay my bills. Capital One 's attitude is that of " tough luck XXXX  '' if  you don't use mobil or text and still use a land line.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : Bankruptcy - Federal - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-02-01
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 spotted some discrepancies between reality and what happened in such credit report. Being said that, I did not apply for a XXXX XXXX credit card in the last 6 months. So XXXX XXXX Inquiry on XX/XX/2022 is not resulting from my personal action.
Consumer complaint received 2023-04-07
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. (TX)

This complaint is addressed to TRANSUNION. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Consumer complaint received 2023-01-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY (AZ)

I took out a personal loan from Wells Fargo on or about XXXX with auto payment selected at the time of the loan origination. Then I received a notice on XX/XX/2022 to schedule monthly payments which was {$1000.00}, so I scheduled auto debit from my Wells Fargo checking. On the first due date of XX/XX/2022, my checking account was debited of XXXX payment totaling {$2000.00}. I called the online banking phone no, they had difficulty locating the department I needed to speak with according to them, after XXXX minutes plus, they transferred me to someone who said she will have someone call me back. I didn't hear from anyone for XXXX days so I called back, again I was on hold for more than an hour then someone came on the line said she can get XXXX of the payments refunded and for me to cancel the auto debit from my checking account since it was already set up. I did according to the instructions, next thing I knew, I received a notice of late payment! I called again immediately, after another XXXX minutes of wait, someone from I don't know what department came on line and said I didn't make the payment, I said I made the payment from my Wells Fargo checking account and you should be able to see it, she said she didn't have access to my accounts, I said couldn't someone track it down that I made the payments, I was on hold for another XXXX minutes, then she came back on line and said that my payments have not been applied to the loan and that all auto debit was cancelled and they also took back the auto debit discount from the annual percentage I received! Adding more to my principal balance. I filed a complained with Wells Fargo executive office but nobody ever contacted me. I paid off the loan in full on XX/XX/2022 for {$27000.00} as I didn't want anything to do with them. They also reported to credit bureaus as a late payment affecting my credit. I would never do any business with them ever again. We still have checking accounts and a credit card there as we have been banking with them since it was XXXX XXXX! Once this issue is resolved and my late payment is removed from my credit, we will be closing all our accounts. 
I do have emails from them stating that they needed more time to research but they never resolved the issue, this bank should not be in business in my opinion, my experience was horrific, I don't know how many people simply give up to their tactics and lose money. Thank you so much,
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is 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 have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Consumer complaint received 2022-12-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Luckmore Finance (LA)

Luckmore Finance XXXX advised I was discriminated against for not having sufficient credit and my collateral was not new enough on the phone. When I receive an advise letter they mentioned information I was not disclosed of. The letter indicated I was discriminated against because they couldnt verify employment. They did not ask me to send anything to verify employment, I did provide my employers number. If anyone calls my employer to verify employment they are transferred to the appropriate department ( I have transferred others that has called to verify a peers employment with us to that department ). They also mentioned other reasons in which they did not advise me of when in fact I did ask for the reasoning.
Consumer complaint received 2023-01-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I discovered that some of the accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

As per complaint Number XXXX, Portfolio responded by trying to defend their claim appearing as legitimate as possible without providing any real verifiable proof as to that claim. They still, after a number of go arounds, have not shown their right to furnish derogatory information to my file besides three hearsay documents and their statement in a response to me where they claim to have received their basis of ownership of these alleged accounts on a spreadsheet with limited data. They have not shown a signed contract, with the terms of said contract listed, a chain of assignment or a sum certain accounting as to the accuracy of the amount they claim to be owed. 
They misrepresent themselves themselves and conduct themselves in a deceptive manner when they use the term verified to describe the status of their alleged claims on me. These documents they use as their proof, combined with the electronic file and its limited data, they, in defiance of the FDCPA 1692e and the UDAAP from the Dodd-Frank Act, state as establishing the accounts validity. They have never made any serious effort to even provide a verifiable basis of a claim, by oath or affirmation in the form of an affidavit by a competent individual with first hand knowledge of the transactions involved, or at the very least, familiarity with the accuracy of the business records to be able to attest to that accuracy under pain of perjury. 
They have responded to your last communication with them over this matter by stating their intention to stop their collection efforts, certainly a step in the right direction but, on the other hand nothing was said about them ceasing their furnishing derogatory information to my credit files. In fact on XX/XX/XXXX, several days after I received the response from you, my XXXX  and XXXX  files were updated, reflecting both of these Portfolio accounts as still active. And I received a communication from XXXX that claims as of XX/XX/2019, the Portfolio accounts are valid and still, even after all this, staying put on my credit file. This is clearly unacceptable. If they accept that they have no basis to continue collections, as stated in that last complaint with the CFPB, then they should have no basis to furnish these accounts on my file with any of the bureaus. They are in violation of Title15 1681, the FCRA by continuing to put this information on my account. This data should cease being furnished along with the ceasing of collections of these alleged accounts.
Consumer complaint received 2019-05-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (MI)

I have a pending Complaint I recently file with you concerning a defective XXXX XXXX  bought from XXXX XXXX XXXX XXXX. 
I have been receiving repeated collection calls and today I received a letter from Diversified Consultants the collection agency that has been calling and harrasing me about a bill I don't owe.
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX - XXXX XXXX
Consumer complaint received 2021-12-30
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)

My name is XXXX XXXX XXXX, I had filed a complaint a few years ago I was the victim of fraud and I had to get my ID security PIN from the credit bureaus. I recently discovered some of the same issues this year I need the following unrecognized address removed from my credit file I believe they are attached to some fraudulent activities from the past I need them deleted immediately as soon as possible. I am in the middle of buying my home and it is causing some verification issues. 
Please delete the following addresses : XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH 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 XXXXXXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I also found issues with my name being spelled wrong my correct spelling is XXXX XXXX XXXX please delete any variation or misspellings of my name.
Consumer complaint received 2020-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX a dispute letter was sent to three various credit bureaus disputing an inadequacy which reported a single account as negative. Such an account was reported in a varying format, under a varying heading between all three credit bureaus. Federal law mandates that the account be reported exactly the same amongst all three credit bureaus, while simultaneously being proven as verified if asked by the consumer. I as the consumer have asked all three bureaus to correct his issue under my credit report approximately 30 days ago. I have yet to hear back in regards to this dispute. The following item in question that begs to be verified or removed is reported as follows : Account name : XXXX XXXX   Type : N/A Status : Collection/Chargeoff Past due amount : {$3500.00} Reported : XX/XX/2019 2019
Consumer complaint received 2021-12-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation (TX)

On XX/XX/2021 I received a notification on my bank account about a negative impacting debt of XXXX This was made by the XXXX XXXX XXXX XXXX XXXX ( Account reads that the Original creditor is XXXX XXXX XXXX ). 

I have sent three dated letters to the agency. The first letter dated around the month of XX/XX/2021, I received no response. I requested the validation of this debt under Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. I asked for alleged services, what the money I owe is coming from, procedures performed and more. I will upload my letters below. I sent it twice, the second time was dated XX/XX/2021. 

This time I received a letter from the collection agency on XX/XX/2021, they called my letter vague, although I couldn't be more specific as you well see. They also called it frivolous- not having any serious purpose or value. 

As an organization that dedicates their time to protecting consumers and investigating the topic of ethical businesses, I ask that you review this activity. 

I was way from home for college. I finally responded on XX/XX/2021, after I gave them 30 days to send validation. This third letter was certified and was intended to let them know about the failure to validate after multiple attempts. I requested a response be delivered before 16 days, but following their last letter, things do not seem to be moving. This case has made it extremely hard to recover, as a first generation college student with no real support, it has also caused me great discouragement to progress in my studies and caused much mental distress. Additionally, with this horrid pandemic we are all struggling with.I just ask for your help and updates. 

Thank you,
Consumer complaint received 2022-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (MN)

I received a message of a fraudulent charge that wasn't fraudulent. I used the text system to say that it wasn't. Then I tried to use my card for a few purchases and it would not let me use my card. They sent me to 3 different people all telling me the same thing. I love US bank because of the convenience and the customer service is great when it works, it just takes forever. And the constant shutting off my card is an embarrassing experience.
Consumer complaint received 2021-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Albert Corporation (MI)

I referred my friend, XXXX XXXX - I referred her and she completed the requirements for the promotional bonus to earn {$100.00} after doing the following - 1. receive a direct deposit of {$200.00} or more in 30 days and 2. spend at least {$100.00} on goods or services with their albert debit card. I have proof she used my referral link and completed the requirements. I was not credited for her referral and I am asking for the referral reward in the amount of {$100.00} be deposited into my Albert account.
Consumer complaint received 2021-12-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc. (TX)

I suspect that my identity may possibly have been stolen and that a possible crime has been committed by your corporation. Please see attached documents and Identity Theft Report. I have requested validation and no documentation has been provided. My right to privacy has been invaded because of this unauthorized use and permissible purpose has been violated due to sharing of these alleged accounts.I have attached FTC Report, Affidavit of Truth to The Bureaus INC and Attorney General of Texas complaint.
Consumer complaint received 2021-12-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (VA)

Today, XX/XX/2021 XXXX XXXX XXXX  illegally changed the locks on my property, One of the inspectors sent notes and photos to my mortgage service company, Community Loan Services on XX/XX/XXXX or XXXX, 2021 indicating that my home, which I currently reside in, was vacant. The notes stated a empty trash can and leaves in the yard as a reason. After ONE attempt to view my property. No attempts were made to verify this as fact. Thankfully my dog was here prompting the XXXX XXXX XXXX working to call Animal Control stating that a dog was left in my home that was going through foreclosure. This is a lie. No foreclosure proceedings have been initiated for my home. I verified this today XX/XX/2021 with the mortgage company.
Consumer complaint received 2024-08-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (IA)

I received a bill dated XX/XX/XXXX from CCS for the amount of {$170.00} for a service provided on XX/XX/XXXX. I have found out it for an ambulance service apparently from XXXX XXXXXXXX XXXX. I had never received a bill on this from XXXX. I called XXXX and they sent it back to XXXX XXXXXXXX which they claimed denied it. I called XXXX XXXXXXXX and they said that XXXX had paid the maximum amount that could be paid and I needed to call XXXX. XXXX said they had paid on it and the maximum allowance was paid. That with the XXXX I am I am not responsible for any the bill. That it is a federal law. I called XXXX XXXX XXXX back and lady I talked to said she is still responsible for bill that the person I talked to at XXXX didn't know what he was talking about. I told it was a law and she told me will check into it and call me back. I feel they are giving me the run around on it. I have never paid anything on any hospital, doctor, or ambulance bills before. XXXX XXXX from XXXX is who told me to file this.
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

XXXX has inaccurately reported my account as late for the 2nd straight month, this information is inaccurate and XXXX said they fixed this last month XXXX XX/XX/2021 ) and admitted they reported inaccurate information, yet today ( XX/XX/2021 ) I received notification that once again XXXX has once again flagged/reported my account as late, again this is inaccurate as my account is paid in full until XX/XX/2021 XXXX