davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Credit Service, Inc. (IN)

I received a call last Thursday from XXXX XXXX XXXX XXXX located at XXXX  XXXX XXXX XXXX XXXX XXXX XXXX IL. The woman said there was a suit about to be filed against me and used intimidating tactics to try to get me to pay for an old debt that I had paid off years ago. I told her that and she refused to accept that. The call ended into a shouting match and I hung up. I receive these calls several times a year. They result from these XXXX XXXX firms buying old Credit Card companies Write Off lists with consumer info such as credit card company and social security number. They then try to coerce you to pay it off or be sued. They are thugs on the phone! I even had one company in California put a collection on my credit report. I had to contact my State Attorney General to get it corrected on my credit files with the three credit bureaus. I'm sure you know that the Credit Bureaus are very difficult to deal with. Why can't the CFPB do something to stop these predators from operating these scams on innocent people. You can do a XXXX search on the above mentioned company and see all of the complaints lodges against them. Why are they allowed to be in business? 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-24
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: Resurgent Capital Services L.P. (IL)

Have a fraud report number XXXX. Involving XXXX account # XXXX please review documentation. Trade line has already been removed by original furnisher XXXX XXXX Bank. Review Documentation. Fraud accounts must be removed ASAP according to FCRA guidelines. I will also be faxing documentation over
Consumer complaint received 2018-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (OH)

To whom it may concern ; I am filing a complaint on PNC Bank. 
On XX/XX/XXXX my mother notice that we had an online mobile deposit and she called pnc customer service to ask about this deposit and how does one do this only to find she did not have access for mobile deposit. My mother was told she would receive a letter explaining and asked for our accounts to be flagged for Fraud.

During this time we have not received any communication from any one at pnc bank.

ON XX/XX/XXXX, my mother called customer service asking for an updated on her fraud claim and the missing {$4000.00} Unfortunately she had spoken with XXXX XXXX who could not figure out what was fraud and keep saying it was an online transfer. 
Then he transferred me to XXXX in Check Fraud, who told me its not check fraud but it is online fraud, XXXX was in contact with someone named XXXX at a Branch in XXXX  OH and XXXX XXXX. The bank fought my mother over this claiming the money went into her account but someone hacked her account and took the money out. The issue has been ongoing for 6 weeks with broken promises from the bank to correct the issue and no call backs regarding updates on the problem. 
As of this moment we have been calling for several days and we have not had any follow up.
Consumer complaint received 2018-10-29
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. (MO)

Not given proper information of my dispute from the credit agency. Dispute did not resolve my issue of incorrect information on my credit report. It states in the FCRA that I am able to receive information the credit bureau received from the company and was not given any.
Consumer complaint received 2018-08-23
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. (GA)

In my previous dispute with XXXX ( XXXX XXXX XXXX  credit card account ). I have previously disputed the reporting of this account with XXXX XXXX XXXX  and they proclaimed that the entry was reporting accurately on my credit reports. That is wholly untrue. In my previous dispute with them in XX/XX/XXXX, I informed them that they has not updated my credit report payment history since XX/XX/2018 with XXXX, XX/XX/2018 with Transunion and XX/XX/2018 with XXXX. I recently pulled my credit report and the only bureau that is current is XXXX ( see attached ). XXXX XXXX XXXX  has not updated XXXX sinceXX/XX/2018 ( see attached ) and Transunion sinceXX/XX/2018 ( see attached ). I am again requesting that XXXX XXXX ppdate my credit reports accordingly and immediately as I have been delayed well over 60 days. I would also like a copy of the request this company is sending to the bureaus as proof of receipt that they are indeed advising the bureaus to update, but the bureaus are blatantly not reporting.
Consumer complaint received 2023-02-20
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. (OH)

I had applied for credit cards and applied for an auto loan and they were only supposed to use their company but ended up showing multiple other companies on my credit report such as 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
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-10-28
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. (IL)

For the past two years, I have been trying to get items that do not belong to me removed off of my XXXX and Experian credit reports. With Experian, in order to dispute items on my report, I have to go through the process of contacting their customer service center in order to get rid of items that do not belong to me, but when the results come back, these items most times would never disappear, and it they do disappear, they would reappear within a month or so. With XXXX, I would have to dispute the items that do not belong to me through XXXX XXXX, but recently, when I choose to dispute these items, I am rerouted to XXXX 's website, where they ask for my personal information. Once I enter in the personal information, then I'm asked a series of questions that pertain to accounts that I may or may not have. Once those questions are answered, the window would state that XXXX  is unable to process my request at this time, and I'm unable to check previous dispute results because of the same reason. XXXX and Experian are making my life a living XXXX with keeping items on my credit reports that are not mine as well as OLD items ( 10 years old or older ) on my credit reports that are not mine. On the Experian report, there's an item that does not belong to me that appears TWICE on the report. I need for these items that do not belong to me to be removed once and for all.
Consumer complaint received 2018-08-23
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC. (CO)

I received a phone call yesterday XX/XX/18 from XXXX. I do not answer calls from XXXX numbers so I sent the call to voicemail. After reviewing the message it was from XXXX XXXX XXXX telling me they are attempting to collect a debt. XXXX XXXX was calling and left a reference number of XXXX. I immediately returned the call to find out what this was in reference to. I was told they were collecting a debt from the IRS, I told them I did not have any reason for debt collector I signed a agreement with the IRS for payments to be withdrawn from my account monthly. After this I was told the debt was not mine and they were looking for XXXX XXXX. She is my daughter who is XXXX years old. I do not get involved with my children 's matters. I do not give out there information ect ... After this disturbing call from this collection agency I went to the IRS website and learned that there are many factors in this collection agency collecting debt for the IRS and they violated all of them. I have printed out these rules which one was they can not divulge information of a debt owed by another person to me. Which they did. These companies need to follow the law when collecting debt and seem to have zero respect for the law.
Consumer complaint received 2018-08-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

After sending information to verify myself with my disputeson XX/XX/XXXX and XX/XX/XXXX, XXXX, Experian, & XXXX have not investigated or responded to disputed items on my credit report. They have violated the FCRA 30-day-to-respond regulation.XXXX finally responded XX/XX/XXXX but still in gross violation of FCRA regulations ....
Consumer complaint received 2023-02-20
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  XXXX XXXX XXXX Account 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.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2018-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

As a preface to my complaint, I must clarify that I had entered into a 12-month mortgage payment deferment program with my mortgage holder, Wells Fargo Bank. My mortgage payment deferment plan was in effect from XX/XX/XXXX until XX/XX/XXXX. As of this month in XX/XX/XXXX, I am no longer in a deferment plan and I made my regular mortgage payment to Wells Fargo. 

This past XX/XX/XXXX, I received an email from XXXX XXXX in relation to a new credit notification. The notification was associated with a " Delinquent Account '' and the details from the notification state that it was from " Wells Fargo Home Mortgage ''. The status of the notification sates that the account is " 180 days past due '' and the amount of the delinquency is {$7400.00}. The credit bureau associated with this first notification was XXXX. I received a similar notification the next day, XX/XX/XXXX but the status of this notification was " 120 days past due ) and the reported balance was {$0.00} ; The bureau or source attached to this second notification was XXXX. 

On XX/XX/XXXX, I received another notification related to the first notification from XX/XX/XXXX, but it was now reported from the credit bureau XXXX and when I received notice of this third notification concerning my credit status, I received an email concerning an alert with my credit score, which had been reduced drastically by 134 points. My current credit score as of this writing is XXXX and before all of this it was XXXX. The status date of this third notification was XX/XX/XXXX ( I will attach a XXXX XXXX   document with screenshots of the specific details of these notifications taken directly from XXXX ) I believe this to be a mistake on Wells Fargo 's part since I was in a formal 12-month Mortgage deferment program with them. I remained in accordance all through XX/XX/XXXX - XX/XX/XXXX related to the requirements and conditions outlined in the deferment program and I was not in violation of any of the terms and conditions of the deferment plan. I should not have been penalized and should not have had this agreement with Wells Fargo show up as a delinquency on my credit history and my credit score should not have been negatively affected. 

I have asked my assigned Mortgage Consultant with Wells Fargo about this issue and I have not received a satisfactory explanation regarding this issue.
Consumer complaint received 2018-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/18 made a purchase through a website XXXX the item was suppose to be delivered on XX/XX/18 but was delivered to the wrong addresss i reaches out to the company several time but i didnt receive any responds i then proceeded to reach out to TD BANK who disputed the transaction i sent over paperwork proving that the item never reached to me and that XXXX as well had a claim out on XX/XX/XXXX i received a notice from TD BANK the transaction was correct and my provisional credit was being reversed even thou the item was NOT delivered
Consumer complaint received 2018-10-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cooling & Winter LLC (GA)

Cooling and Winter LLC Sent me a letter that belonged to someone else. They put this persons first and last name, their amount owed, and to whom they owe it. I can only assume that this person received my paperwork. This is very upsettting because they are leaking PERSONAL, PRIVATE information. I have been nothing but cooperative with them but feel they are sompletely incapable of handling this paperwork. This is very personal information that they are sending out and now someone has information about my personal finances.
Consumer complaint received 2018-10-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

According to my account history, two of my private loans were sold. There are two dates which the loan sales took place ( XX/XX/2018 and XX/XX/2018 ). I was not notified of these loan sales. 

Navient has also altered the way in which I can view my payment history with them where it reflects a loan sale, and not my payment history. This makes it difficult to determine what my actual loan balance with them is. It also makes it appear that my loan balances have not changed ( despite making on-time payments ) since XXXX of this year. 

When I contacted Navient about this, they told me that I could just ignore it, that the loans had not been sold and that it was " just an internal thing that they did ''. When I asked if my account history would be updated to show that the loan had not been sold and for confirmation that I have been making payments to the correct company, they again told me not to worry about it, that everything was fine, that it was " just an internal thing '' but could not elaborate further. But they could not confirm that things would be updated, or go through my actual payment history with me to confirm that the current loan balance is actually correct.
Consumer complaint received 2018-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL (FL)

XXXX XXXX for the XXXX XXXX card keeps advertising me that a letter is in the way when I get the next letter it declines me for Unable to verify information. They never requested my personal information such as Social Security card drivers license or utility bill and they never gave me a chance to send it to them instead they keep declining the application
Consumer complaint received 2018-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

When it came time to repay my student loan I was not sure of the best value. Between the provided tool and my financial planner I decided on the extended fixed payment plan, with a payment of {$600.00} ( adding {$60.00} extra ) for a term of 20 years. I made sure to do direct deposit for the 0.25 % savings and the ease of setting/forgetting. In XX/XX/2017 I received a notice that an Income-Driven Repayment Plan was approved. Having been told I was ineligible for that option due to my income I let that slide - had to be an error. When a paper slip mentioned a bill of {$0.00} I complained to the XXXX customer service - received no help, was told that I obviously put the change there ( when I had not ), never mind there being no income to draw from to make an IDP estimate. Frustrated I decided to continue paying $ XXXX/month in spite of having XXXX balance bills so that I would not be behind on my payments. In XX/XX/XXXX/XX/XX/XXXX I got a notice that my IDP was set to expire. By the end of XX/XX/XXXX (XX/XX/XXXX ) when it expired my payment went to $ XXXX/month with the added {$60.00}. Panicked I signed up for the IDP before remembering that I wanted the Extended Fixed Plan. The same evening I signed up for the Extended Fixed Payments plan. Seeing no movement I applied for that plan again. Now the XXXX program wants me to pay $ XXXX/month even after I've put in paperwork months prior to change my repayment options.
Consumer complaint received 2024-10-07
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2023-02-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/XXXX I mailed a debt validation letter to XXXX XXXX XXXX and they refused to validate the alleged debt. ( see attached ) It's a violation of the FDCPA for a debt collector to refuse to send a validation notice or fail to respond to your verification letter. According to the law, debt collectors have to show proof of a debt if you ask them.
Consumer complaint received 2018-08-22
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. (TX)

The credit bureaus and XXXX XXXX alike have stated that the entry of this account on my credit report is verified. I beg to differ. In my most recent credit report ( see attached ), the following errors are present : Two different open dates are reflected : XXXX reflects XXXX & Transunion reflects XXXX. 
XXXX reflects terms of 1 month ; however, I have never opened an account nor have I ever signed a contract with this company. 
XXXX reports that there is negative payment history XXXX, XXXX, and XXXX of 2018 ; yet Transunion reports no payment history. 

These inaccuracies alone are grounds for this entry to be removed. The FCRA states that entries reflected on my credit report should be 100 % accurate ; these entries are NOT. Additionally, XXXX NEVER sent a dunning letter to inform me that they were attempting to collect on this alleged debt. By not doing so, this forfeited my right to dispute the validity of this account -- -of which is my consumer right. 

Delete this entry immediately from my credit reports.