davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pressler & Pressler, LLP (PA)

On XX/XX/XXXX I spoke with a paralegal rep by the name of XXXX @ Pressler & Pressler , LLP ATTORNEY AT LAW XXXX XXXX XXXX, XXXX, NJ XXXX Office # ( XXXX ) XXXX Toll Free Fax : ( XXXX ) XXXX or ( XXXX ) XXXX I ask this ( ( XXXX ) ), why in fact I have not received ALL payments receipts nor any kind of notifications from this collection agency since XX/XX/XXXX & that the last notification was from Attorney XXXX XXXX which is a copy of the letter to the Courts of canceling/withdraw our court date XX/XX/XXXX @ Mag. Dist No : XXXX, XXXX Name : Honorable XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, PA XXXX  tele : ( XXXX ) XXXX .. in which I was being sued from XXXX XXXX , XXXX in the matter of their client : XXXX XXXX XXXX XXXX XXXX a/k /a XXXX XXXX XXXX XXXX XXXX XXXX XXXX whom I have trouble with in the past year has been rude and totally disrespectful as to my many complaints to this firm simply hung up on me and I call right back and requested the same and which to receive so with the help of CFPB please.. as to the fact that I am up to date with payment to this collection agency and I have no payment record keeping of my own as proof of all payment from this firm ..keep in mind if the firm follows policy of their own we will not have to trouble one another in the future this is not right as I was told I would property review a bill in the mail with the due date and balance of record from this collection agency .. 
Question : HOW AM I TO KNOW WHAT I HAVE PAID AND HOW MUCH IS OWED IF THIS FIRM DOES NOT GIVE ME PROOF AS PROMISED.. 
IF THEY CAN TAKE MY PAYMENTS ON A MONTHLY BASE THEY NEED TO SEND AND HONOR MY REQUEST ASAP.., AS THIS IS LAW.. AND MY RIGHT.. 
this is in their records and this is my formal request as to I will NOT make anymore payments to this collection agency cause I will move forward and dispute the entire debt collections as to their default on their agreement... 

Docket No : XXXX Case Filed : XX/XX/XXXX Pressler & Pressler File #, Account # or Docket # ( ( ( XXXX ) ) ) PRESSLER & PRESSLER , LLP : ( ( ( XXXX XXXX XXXX a/k/a XXXX ) )
Consumer complaint received 2018-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I HAVE WRITTEN TO THE CREDIT BUREAUS IN REGARDS TO BANKRUPTCY AND THE ACCOUNTS UNDER THE BANKRUPTCY AND STILL NOTHING HAS HAPPEN THEY BUREAUS SENT BACK LETTERS STATING THAT THIS BANKRUPTCY HAS BEEN VERIFIED WHEN THEY KNOW THAT IS A LIE BECAUSE THEY NEVER VERIFIED ANYTHING LOOK AT THE LETTER SENT BACK FROM THE BANKRUPTCY COURT AND THEY SAY THEY NEVER FURNISH ANY INFORMATION TO ANY BUREAUS BUT YET THEY KEEP SAYING IT HAS BEEN VERIFIED THEY KNOW THIS IS A VIOLATION OF THE FCRA THE BUREAUS WOULD NEVER TAKE THE TIME TO GO TO NO COURT AND HAVE ANYTHING VERIFIED SUCH LIARS ONLY THING THEY CARE ABOUT IS THE MONEY THEY GET AND NOT THE CUSTOMERS
Consumer complaint received 2018-09-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (DE)

On XX/XX/18, I attempted to do a XXXX Transfer from my Wells Fargo business checking account. On the normal confirmation page, an error notice came up and said that they were unable to complete the transfer due to a glitch. The recipient did not receive the money to her account ( {$1100.00} ). The money was, however, removed from my account. I have called Wells Fargo 3 times asking them to reverse the transaction and replace my money, but they have stated that it will take up to 10 business days. This is unacceptable. This is a glitch in THEIR system and it is MY money. I am a growing business and need the funds replaced immediately.
Consumer complaint received 2018-01-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BARCLAYS BANK DELAWARE (WA)

Hello my name is XXXX XXXX XXXX and my Barclay visa with XXXX   rewards is outstanding in debt. Barclay Visa has sent me an invoice which is below in the attatchments of My account and was closed XX/XX/XXXX to my Barclay visa with XXXX rewards credit card. I am a XXXX XXXX and Also a XXXX  XXXX XXXX  XXXX XXXX a XXXX XXXX  XXXX and a XXXX XXXX XXXX XXXX. I recently have been noticing that since XXXX I have been investing in XXXX shares and stock and I a dividend that was set to pay out last XX/XX/XXXX. I don't understand why XXXX has not applied my dividend to my XXXX rewards visa card and It's already going into collections and incurring more debt. I really need my credit card debt paid and I have contacted Barclay visa with XXXX rewards and no employee seems to understand can you please help secure my debt and apply my dividend to my outstanding credit issue.
Consumer complaint received 2018-09-04
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

My number is in an auto-dialer for XXXX XXXX XXXX. I have called to resolve and unable to. They are telling me I do not have a loan with them, which is accurate. However, for the last many weeks I am getting nearly daily calls from an auto-dialer.
Consumer complaint received 2018-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In XX/XX/2018, I noticed some inaccuracys contained in my credit report. Due to the recent data breechs and identity theft I contacted the TRANSUNION on XX/XX/2018, and notified them of the inaccuracys and asked requested additional information from my consumer credit file so that I could compare it to my records. Additional I listed and detailed the inaccurate information published on my credit report and sent in physical evidence so the bureau could see proof for themselves. 

TRANSUNION has not challenged or disputed the evidence I sent but only claims to have verified the obvious inaccurate information. 

To date TRANSUNION has failed provide any documentation to support their alleged investigation or remove the inaccurate information. Yet, TRANSUNION continues to knowingly publish false information about me for others to view. 

I know Im just a little guy. What can I do to get this large company to follow the law?
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (TN)

Several years ago, my car was broken into, and my purse and wallet, which contained my credit cards, Social Security card, ID, and other important documents, were stolen. Despite reporting this incident to all credit bureaus, the stolen information continues to appear as verified on my credit report.
Consumer complaint received 2018-03-14
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (PA)

LONG STORY SHORT one main financial allowed ME TO BELIEVE I WAS GETTING A AUTO LOAN WHEN IN REALITY IT WAS A UN-SECURED LOAN AT A INTEREST RATE THAT IS SO UNFAIR, IT WOULD BE CONSIDERED ECXTORTION. THEY BREACHED MY CONTRACT THEY GAVE LEGAL ADVISE TO THE LENDER AND TRYING TO CHANGE MY CONTRACT TO SOMETHING SO OBSERED IT DOESN'T MAKE SENSE. THIS LENDIND COMPANY SHOULD BE INVESTIGATED FOR THIER COMPLETE LYING AND STEALING FROM CUSTOMERS.
Consumer complaint received 2018-03-15
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: EQUIFAX, INC. (FL)

XXXX : EQUIFAX : XXXX The heck is going on. Ive contacted you guys time and time again since XX/XX/2017. Youve removed the fraudulent accounts but I dont know why these accounts remain on my credit report. You have done so much damage to my credit report with the remain accounts that are fraudulent and this has better be the last time that these fraudulent accounts show on my credit file and Im only allowing 24 hours for the accounts listed to be removed permanently. I am unaware of the accounts that you are listing on my credit file. I have asked for verification for the original contract and for the debt or account listed as an error several times only to be ignored. Look this is becoming a major problem and I have filed a lawsuit this time because you are taking me for a joke and you are causing damage to my life and causing stress. I have contacted the attorneys general office in XXXX County along with the FTC to get this matter resolve immediately and permanently. I will make sure that this incident sees a judge in a civil courtroom. 1. XXXX XXXX XXXX. REMOVE THE LISTED FRAUDULENT ACCOUNT WITHIN 24 HOURS IMMEDIATELY AND PERMANENTLY. REMOVE REMOVE REMOVE. I am unaware of what this is and Ive mentioned that within the past few months. The inquiries that are unrecognizable and that Im unaware of are in the attachment area. I did not give anyone my consent to open any new credit. Your company is at fault and I demand that you remove the bogus accounts and inquiries today or else. REMOVE ERRORED ACCOUNT LISTED AND INQUIRIES LISTED AS WELL. I dont want to see another error listed on my account and please send me a copy of a credit report revised with the mistakes removed. My credit is showing me that these accounts are still listed on my credit and Ive asked you to remove them permanently. You have no verifiable evidence with no original contract with my signature so by law you must removed them immediately and permanently. I have filed a lawsuit on the following credit bureau agencies for using my consent without my knowledge and for breaking the laws within the FCRA. I have placed several sections that you have violated. You have violated my rights in many ways and I look to take this to civil court. I demand that my credit report is cleared of the accounts listed and remove the errors your company placed on my credit file.
Consumer complaint received 2018-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (GA)

I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX XXXX XXXX XXXX with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017 2017
Consumer complaint received 2018-06-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Statebridge Company (CT)

company has responded with ... 
Thank you for submitting the requested documents. Please submit pages 1 & 2 of bank statements for XX/XX/2018 -XX/XX/2018. 

Please note we must receive the requested documents in order to have a complete package and be review for a modification. 

then they responded with another email to disreguard the previous email. I had the impression that the documents i submitted was enough to satisfy them. 
i have not heard back from them at all. 
i submitted all that they required me to submit. A hardship letter. Tax returns. income. divorce decree. And more. they had me fax all the paperwork to them. they have not responded back to me Statebridge Loss Mitigation Mailbox Loss Mitigation Statebridge Company XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX CO XXXX ( p ) | ( f ) ( XXXX ) XXXX ( Toll Free ) XXXX XXXX statebridgecompany.com
Consumer complaint received 2018-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have pulled my credit report and found there to there to be inaccurate inquiries on my credit report. I have sent 2 letters via certified mail to Equifax Credit Reporting Agency requesting for the removal of these inquiries. This is my official complaint and last resort  before I seeking damages if these inquiries are not removed. It is to my knowledge that the FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following inquiries are related to none of the aforementioned permissible purposes.

1. XXXX XX/XX/17 2. XXXX XXXX XX/XX/17 3. XXXX XXXX XX/XX/17 4. XXXX XXXX XX/XX/17 XXXX. XXXX XXXX XXXX XX/XX/17
Consumer complaint received 2018-03-15
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: Experian Information Solutions Inc. (CA)

Hello, I have been checking my credit reports because I plan on purchasing a home and I have noticed that there's a XXXX California XXXX charge-off account listed on my credit report for {$380.00}. I have no knowledge of this account, nor have I ever lived at the address associated with the account. I have never, at this point in time, had a utility bill in my name. Per the FCRA laws, I have the right to dispute inaccurate information, and as I have tried to dispute this, nothing has yet been done. I would like this to be removed from my credit report immediately as it is not rightfully my account and no parties can validate it being so. 

Thank you, XXXX XXXX
Consumer complaint received 2018-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NY)

I received an alert from my credit monitoring service that a collection account appeared on my credit report for XXXX, XXXX, and XXXX. The collection account in question with XXXX XXXX is not mine. I called the company on XX/XX/XXXX stating my claim. They stated this account was from XX/XX/XXXX from a address that is unknown to me. They told me to dispute the claim, file a police report and email them and they would have it removed from my credit report.
Consumer complaint received 2018-09-04
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc (AZ)

Over the past few months, I have received countless calls from unknown and random numbers. When I answered the call, it is a computer voice saying that my social secruity number has a debt collection on it and I need to call a number. When you call the number, the person that answers asks for your name and social secruity number. Obviously, I thought it was fake and I didn't give them my person information. Over the weekend I received a XXXX alert saying that I had a debt collector after me. XXXX XXXX   provided me the name of the debt collector, Hunter Warfield. I called the company and talke to an extremly rude person that told me I was lying ( I told him I didn't have outstanding debt and I wasn't sure what this was all about ) and demanded my social secruity number. Again, I didn't give him it. I did give him my first and last name and the last XXXX of my SS. This gave him enough to tell me my old apartment complex, XXXX XXXX XXXX, filed for a debt collection because I apparently didn't pay to break my lease ( which I 100 % did pay on time ). The guy at Hunter Warfield told me to fax them proof of payment, which I just did. I have an email confirmation from XXXX XXXX on XX/XX/29 saying I payed the full amount and it also shows I have a Zero Balance. Now what? XXXX XXXX XXXX inaccurately reported debt information on my credit report. A debt collector has been harrasing me for months now, they have been disrupting my work life, and they really disrupted today 's work. I felt compelled to reach out to the CFPB because I don't have the money to get a lawyer and now I am worried that my credit has been negatively impacted. I also don't know if I this is settled now that I have shown the debt collection company that I payed.
Consumer complaint received 2018-01-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OH)

In XX/XX/XXXX, I changed homeowner 's insurance companies. I paid for the policy upfront in full on the date of issue, XXXX XXXX, for {$820.00}. I then contacted Wells Fargo to notify them that I changed companies and paid the insurance. In XXXX, I contacted them again concerning my insurance because it did not appear that they updated my records. They increased my escrow, based on the insurance payments that they alleged they paid, and increased my mortgage payments almost {$200.00}, based on an alleged shortage that did not exist. They then failed to apply my mortgage payments that my bank sent automatically each month, claiming they were only partial payments, putting my mortgage payments that were being sent like clockwork directly from my bank each month to be behind three months. They then threatened foreclosure action. I called the insurance company that verified that I, and not WF as WF claimed, paid my insurance. My loan is nearly paid off and suddenly, Wells Fargo has ruined my credit, based on an escrow shortage that does n't exist. In fact, on XX/XX/XXXX when I finally spoke to a supervisor, after being on the phone for over two hours with Wells Fargo, she admitted I had an escrow overage, not a shortage. If so, why did my mortgage payments increase based on an alleged escrow shortage? City taxes increased, but she said my escrow still had an overage after taxes were paid. WF created a shortage that did n't exist to extract additional money from me and to drive my home into foreclosure in order to extract additional fees and expenses.
Consumer complaint received 2018-09-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (CA)

XX/XX/XXXX US Bank closed claim # XXXX because they needed my authorization to continue as a 3rd party was involved. I called and gave them my authorization and was told that the case had been re-opened. It was not. 

I also resubmitted the case as I was told to do by the CFPB operator, claim # XXXX - this subsequent claim was closed as a duplicate. This is NOT a duplicate claim. I received NO ANSWER from US Bank as to why US Bank kept my money. 

US Bank is in possession of money that should have been immediately returned to me. I want it now. On XX/XX/2018 US Bank was negligent in accepting a {$78000.00} wire transfer to an account with a different name on it than the one specified in the wire transfer by the sender. On XX/XX/2018 I, the sender, alerted law enforcement to the crime. I sent a service request through XXXX XXXX XXXX to freeze the receiving US Bank account and get the {$78000.00} back as there was evidence of criminal activity. The account was immediately frozen. On XX/XX/2018, 5 days later according to US Bank 's own bank statement obtained from the receiving account owner and the investigating detective, there was {$48000.00} in the frozen account - please see the attached bank statement. On XX/XX/2018 US Bank returned only {$23000.00} to me, the victim of the crime. US Bank kept {$24000.00} of my, the victim 's, money. Where is the remaining {$24000.00} that was left in the receiving account at the time it was frozen? That money should be immediately returned to the sender who alerted US Bank to the crime, fraud and negligence. 
The recipient of the money informed law enforcement that he did not get any money back from US Bank after the money was frozen per my request.

US Bank illegally kept {$24000.00}.
Consumer complaint received 2018-03-14
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. (AL)

I HAVE WRITTEN TO THE CREDIT BUREAUS IN REGARDS TO BANKRUPTCY AND THE ACCOUNTS UNDER THE BANKRUPTCY AND STILL NOTHING HAS HAPPEN THEY BUREAUS SENT BACK LETTERS STATING THAT THIS BANKRUPTCY HAS BEEN VERIFIED WHEN THEY KNOW THAT IS A LIE BECAUSE THEY NEVER VERIFIED ANYTHING LOOK AT THE LETTER SENT BACK FROM THE BANKRUPTCY COURT AND THEY SAY THEY NEVER FURNISH ANY INFORMATION TO ANY BUREAUS BUT YET THEY KEEP SAYING IT HAS BEEN VERIFIED THEY KNOW THIS IS A VIOLATION OF THE FCRA THE BUREAUS WOULD NEVER TAKE THE TIME TO GO TO NO COURT AND HAVE ANYTHING VERIFIED SUCH LIARS ONLY THING THEY CARE ABOUT IS THE MONEY THEY GET AND NOT THE CUSTOMERS
Consumer complaint received 2018-03-14
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: EQUIFAX, INC. (AL)

I HAVE WRITTEN TO THE CREDIT BUREAUS IN REGARDS TO BANKRUPTCY AND THE ACCOUNTS UNDER THE BANKRUPTCY AND STILL NOTHING HAS HAPPEN THEY BUREAUS SENT BACK LETTERS STATING THAT THIS BANKRUPTCY HAS BEEN VERIFIED WHEN THEY KNOW THAT IS A LIE BECAUSE THEY NEVER VERIFIED ANYTHING LOOK AT THE LETTER SENT BACK FROM THE BANKRUPTCY COURT AND THEY SAY THEY NEVER FURNISH ANY INFORMATION TO ANY BUREAUS BUT YET THEY KEEP SAYING IT HAS BEEN VERIFIED THEY KNOW THIS IS A VIOLATION OF THE FCRA THE BUREAUS WOULD NEVER TAKE THE TIME TO GO TO NO COURT AND HAVE ANYTHING VERIFIED SUCH LIARS ONLY THING THEY CARE ABOUT IS THE MONEY THEY GET AND NOT THE CUSTOMERS
Consumer complaint received 2018-03-14
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. (NY)

XXXX XXXX XXXX is fraud please remove it off my account at once as well as XXXX XXXX credit inquiry. I also have made police aware this has been an ongoing problem.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX Personal Information Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Employers : XXXX XXXX XXXX Employers : XXXX