davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-14
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. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2017-07-31
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. (NC)

XXXX XXXX XXXX is the mortgage company that holds the deed on my property at XXXX XXXX XXXX, XXXX NY. According to credit reporting agencies XXXX foreclosed on this property back on XXXX XXXX 2013, however XXXX is still passing information to the Credit Agencies as late payments or foreclosed, causing my credit scores to drop considerably. XXXX is also reporting to the credit agencies that foreclosure just started recently, when in fact the foreclosure was completed on XXXX 2013 according to information I received from a Veterans Mortgage ( XXXX XXXX ) company that is working with me to obtain a VA Home Loan.
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A. (FL)

I opened PNC virtual wallet performance select account on XX/XX/XXXX, and it was advertised saying to have direct deposit for {$5000.00} and get {$400.00} bonus, the bonus should credit to account no late than 90 days. however, it's already over 90 days, I did not receive the {$400.00} bonus as they promoted, and I tried to contact PNC to resolve this issue, the agent on the phone was verified I have completed the {$5000.00} direct deposit requirement, and then she created case # : XXXX and ask me to call back few days after to check the status. I called today, and they say I'm not qualify, but today I call PNC to check the status, the agent told me the case was resolved yesterday, and saying I'm not qualify this offer so they did not credit the bonus, because I received bonus on XX/XX/XXXX, it's not 24 months yet. But this is not true, I was having XXXX account during that time, and the bonus was from XXXX, but in XXXX XXXX merged into PNC in XXXX half of XXXX, so it looks like PNC also take XXXX welcome bonus offer and transactions after XXXX merge into PNC, however, I actually signed up XXXX account and get the bonus from XXXX before these two company merge, so I actually did not get bonus from PNC during that time. so I should qualify the bonus since I did not receive PNC account bonus more than 24 months, and in their terms did not mention say customer who receive bonus from XXXX also included in the 24 months period.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-07-14
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)

I purchased a vehicle from XXXX XXXX XXXX XX/XX/XXXX financed through XXXX XXXX. All payments were made on time through the payment portal on XXXX per instructions from the dealership. 
When attempting to make the payment for XX/XX/XXXX the website for XXXX re-routed me to a website XXXX ; not knowing what this site was, I did not input any information. I began to reach out to the dealership and company to inquire about the website rerouting to find out the following. 
1- The dealership that I purchased the vehicle from was no longer in service and not at the location I purchased from when I attempted to visit the dealership for answers. ( I am unaware as to when the dealership closed. ) 2- I began to call the number and email the website listed on my Credit report for answers ( no other contact information was ever given for XXXX XXXX ), no response has been received. Currently the XXXX XXXX website is not an active website and emails for XXXX XXXX come back as undeliverable. 
I then filed a complaint with the XXXX XXXX XXXX XX/XX/XXXX and their investigation yielded no response from the financial company XX/XX/XXXX. 
Someone called me on XX/XX/XXXX stating they were a representative of XXXX XXXX and I allowed a one-time payment over the phone, no receipt was ever received. However, I have my bank statement to show the transaction. Then without consent or communication, they processed a payment without authorization on XX/XX/XXXX to my credit card. I attempted to contact the company again, as well as attempted to log into the XXXX account to pay my XX/XX/XXXX bill, but the system does not recognize my information and again I began to reach out to someone at XXXX XXXX for assistance, I have yet to receive a response. I also called the XXXX website provider for assistance, and they have no record of my account or vehicle information in their system to assist with access and payment. 
I was never given any communication about the dealership going out of business or any changes that were being made to the payment system or website as well as instructions for the new platform or reporting structure. I have never received any communication from XXXX XXXX after several attempts. I have never received any communication from the company. I am requesting the company to send all information related to my vehicle lease. As well as instructions on how I am to obtain the title information once payments are completed. 
It has also just come to my attention that the company is now reporting negative late payments in my credit report. XXXX XXXX has not provided any information for customer support. XXXX XXXX has yet to respond to any communication attempts from myself or The XXXX XXXX XXXX
Consumer complaint received 2023-07-14
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAINE & WEINER COMPANY, INC. (MI)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-07-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/26 I have accidentally transferred XXXX USD to XXXX XXXX XXXX from XXXX  XXXX XXXX to his Wells Fargo bank account, on the same day XXXX  XXXX XXXX initiated a wire transfer recall but Wells Fargo bank is unable to contact XXXX XXXX and the request to recall is still in progress for last 15 days. I have contacted XXXX Offices Of XXXX XXXX to seek a legal help. Attorney tried to contact XXXX several times but XXXX is not responding to any calls. I spoke to XXXX one time and explained what happened and he told me to to get back to me. Attorney prepared a demand letter and sent to his email id XXXX and also sent the same to his residential address and to his phone but no response yet. 


I really need your help to locate XXXX and see if we can contact him, explain him and see if he can work with bank to reverse the transaction.
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

I opened a checking account with Citizens and made an initial deposit, the account was approved. I moved my direct deposit over and when it cleared today I tried to log into to access it. After an hour on the phone I was told that my account was under review, they can't give me any details and my funds are locked. I need access to my paycheck. XXXX XXXX is the only person at Citizens who would give me his name.
Consumer complaint received 2016-10-05
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Nelson and Kennard (CA)

I have just received notice today from our payroll dept. that Nelson and Kennard filed a lawsuit against me and have won a judgement against me to garnish my wages. I am going thru a divorce and have half my GROSS wages withheld for CURRENT child/spousal support. How can I stop this? When was the hearing????
Consumer complaint received 2023-07-14
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: WELLS FARGO & COMPANY (FL)

Discovered that Wells Fargo opened a credit card in my name, which I did NOT APPLY for - someone applied fraudulently in my name. I also found that Wells Fargo did NOT even pull a credit report, which would have alerted me even sooner. How can a bank issue a credit card without a credit inquiry??? Below is the history to-date ( XX/XX/XXXX ). 
XX/XX/XXXX : Received email from Well Fargo ( WF ) informing me of email address change, and to notify them if I did not ask for it. 
XX/XX/XXXX : I did not ask for any email address change, so my wife called WF and spoke to the XXXX XXXX. After I confirmed with them that I was indeed XXXX XXXX and did NOT OPEN the XXXX account. We were told the account was closed and could not be used. They would not provide me with the full XXXX XXXX  number, and still have not as of today. 
XX/XX/XXXX : I received a call from WF asking to confirm that situation. That is, I am XXXX XXXX and I did NOT open a WF credit card. I did so. 
XX/XX/XXXX : I called WF and was connected to the Credit Card Fraudulent Application area. I spoke with XXXX, who also confirmed with me that the CC account was closed. I told her I had pulled my credit reports frm the 3 bureaus, and none of them showed an inquiry from Wells Fargo, so I asked her how WF issued a credit card without an inquity? She said she had no info on that. She also informed me that the application that was made contained all my personal information, phone number, etc. She said I could write to WF and obtain a copy of the application. She told me to include the application number : XXXX. I sent a letter on that day requesting same. 
XX/XX/XXXX : I received an email from WF thanking me for contacting them regarding my complaint. It referenced XXXX ending in XXXX. It also included XXXX # XXXX. 
XX/XX/XXXX : I called WF upon receiving the email at the number listed : XXXX, and spoke with XXXX. He said I should hear from WF shortly re internal investigation. 
XX/XX/XXXX : I pulled our XXXX credit report. It lists WF credit card account in question as OPEN reported by WF on XX/XX/XXXX to the credit union. This is 2 days AFTER WF told me the XXXX was closed. 
XX/XX/XXXX : Called XXXX at XXXX, and spoke to XXXX. She said that XXXX was handling my case, and she would ask him to call me. Called again and spoke to XXXX at XXXX. She said she would have XXXX 's boss call me. 
XX/XX/XXXX : This am at XXXX I got an email from WF stating WF has updated my contact information for XXXX  XXXX in XXXX to be our address of XXXX XXXX XXXX. 
As of today, XX/XX/XXXX, NO ONE from WF has called me to explain to me how this happened and to provide me with written proof that the fraudulent WF XXXX XXXX has been closed.
Consumer complaint received 2023-07-14
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: National Credit Adjusters, LLC (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

Pulled my credit attempting to purchase a home and found a number of incorrect accounts on my report the XXXX refuses to remove. not mine and fraud accounts my address should be XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX only wrong address are XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX, XXXX CO XXXX Fraud Accounts are the following : XXXX XXXX XXXX Account # XXXX Amount- {$400.00} XXXX XXXX XXXX XXXX  Account XXXX XXXX Amount- {$630.00} XXXX XXXX  XXXX Account XXXX XXXX Amount- {$1000.00} XXXX XXXX Account XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX Account # XXXX Amount- {$9000.00}
Consumer complaint received 2023-07-14
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. (IN)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2023-07-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (MI)

The HELOC mortgage came mature and we applied for assistance to get help with the balance. We got approved back in XXXX of XXXX and PNC did not respond until XXXX of XXXX. Because of this interest was added and now the money that I was approved for they have but, are not posting it to my account. Due to them not cooperating the balance has exceeded the amount that was given for assistance and does not cover the whole balance due and owing. We simultaneously applied for hardship assistance per their request and was denied to " exceeding the maximum amount of hardship applications ''. They are with holding credits that I have been been making this entire process and not applying that to my balance as well.
Consumer complaint received 2023-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (PA)

I requested a balance transfer of {$2800.00} on XX/XX/XXXX via the bank website. The credit card bank where I requested the transfer is Old Navy/Barclay bank . The money was to go a XXXXXXXX XXXX account. 

On XX/XX/XXXX, I checked on the status of the transfer and saw it was marked as completed, stating the money went a XXXX account ending in XXXX digits that did not match my XXXX account. 

I contacted Barclay bank was told to wait until XXXX as it takes time to transfer. I was also told the ending XXXX digits of the receiving bank, as shown on the balance transfer transaction, did not really mean what it stated. I was told it was a code of some sort that even the phone representative could not explain or access. 

I contacted them again on XXXX as the money was still not reflected as a credit to my XXXX bank account. 

I had multiple messaging communication online as well as the phone calls and each time I was told to 'wait '. 

On every phone call I was asked for the receiving bank account number, which I provided. On one of the latter calls, I was told that I obviously mistyped the number so the money went to someone else 's account and a 'case ' was opened for research. I was told it would take XXXX bus days to complete the research. 

I called today, XX/XX/XXXX, and this time I was told that when I requested the balance transfer I somehow typed XXXX digits into what should be a XXXX digit field. And ... the number I typed was somehow a valid account number at the receiving bank! 

I was again told to wait it out for the research to be completed as it could take up to 90 days! 

I asked to speak with someone else and was transferred. XXXX told me the money likely went to a 'holding account ' at the receiving bank. Ok, fine.. so let 's get this reversed. I have been alerting you since XX/XX/XXXX that there was an issue. 

I just want the transfer reversed and all fees returned. I was told again to wait it out for the case to be researched.
Consumer complaint received 2023-07-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ingenuity RM, LLC (ND)

I received a granishment notice XXXX XXXX # XXXX on a debt that I had no knowledge about from XXXX XXXX. I called the creditor to get information on the debt and they claim the judgement for a debt that was my ex-husband 's is now my responsibility. I received no notice and not even was serviced with the notice of a judgment or a renewal of judgement. I now have been paying a debt that is not my responsibility and also offered my divorce decree to show proof that in my divorce decree it states specifically that that we are responsible for our own debts. They refused to accept because they can not garnish his wages because he owns a business. They were not interested in have his bank account to garnish either and were satisfied with continuing to make me pay for the debt that is not mine. They even went to the extent of stating some of it is actually mine. The lesser part is mine. Which was paid to way back in 2007 to another credit debt collector that the business is now closed. When I called the clerk of court she verified that no service was sent to me and only my ex ( XXXX XXXX ) received the service of the renewal of judgement. I never even received the service of the original judgement either. They are now garnishing me for XXXX. This sounds like alot of fraud just to hold someone responsible for a debt that someone refuses to pay. The medical bills are for XXXX and in no way shape or form should I be held responsible for his debt! This needs to be corrected and rectified. I should NOT be held responsible for my ex husband 's debts, it even states it in the divorce decree. I have attempted to call several times and talked to a very rude man that kept saying he doesn't care, not his problem as long as they are getting paid. IF I EVER WAS NOTIFIED OF THIS JUDGMENT I SURELY WOULD HAVE DISPUTED IT THEN AND EVEN WENT TO COURT REGARDING IT!!!
Consumer complaint received 2023-07-14
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. (FL)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and anxiety. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2023-07-14
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. (MI)

I sent a request to remove on XX/XX/XXXX and XX/XX/XXXX and they dismissed claim it was not me but i provided them my dl and it came from my address. They need to remove this incorrect information.
Consumer complaint received 2017-09-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Good Morning, This is the 3rd time that I am writing a complaint regarding Bank of America. I am so fed up with them that I just want to scream. I have been asking for help for well over one year and they have not done anything to help me. I have made complaints and have been referred to their appeals department but nobody knows what someone else is doing. I was denied again because they say that they cant verify employment for my Husband and my Husband has been working for the same company which his brother owns since 1990, they asked for a letter from employer which I supplied and they have his tax returns which shows the same employer. They never called me to ask me for further information. They also told me that I am too deliquent at this point for a modification but I have been asking for this for almost 1 year. I have been working with someone from BOA for quite some time and then they change the rep and the new rep doesnt know what is going on. I am also going through the State of NJ for another program and I am waiting for that answer. Yesterday I got so frustrated that I hung up on them because the new rep said well you are denied so you can either sell your home in a short sale or catch up on your payments which they know that I cant do. BOA told me months ago that the only way I will get help is if I am delinquent on my mortgage and now they are teliing me that I am too delinquent. I really dont know what to do anymore but I am thinking of going to the media to make a complaint and maybe they will do a story on this. I always had excellent credit and I am not a deadbeat I just want some help. Can you please help me, each time you contact them they do nothing, something more has to be done.
Consumer complaint received 2023-07-14
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. (IN)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.