davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Re : File No. XXXX ATTN : Legal Department I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within 5 business days from the completion of your investigation. In addition, I will expect you to complete your investigation within 30 days from the date you receive this dispute or the item being disputed will be unverifiable. 
The items that appear on my credit report as : 1. ACCT. NAME : XXXX XXXX, TX ( XXXX ) ACCT BAL : {$31000.00}. This account has been sold and closed. Please delete. 
2. ACCT NAME : XXXX XXXX XXXX ( XXXX ) ACCT BAL : {$8500.00}. This account was charged off. Please delete. 
3. ACCT. NAME : XXXX XXXX XXXX XXXX ( XXXX ) ACCT BAL : {$2400.00}. This account was charged off. Please delete.
Consumer complaint received 2024-10-14
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 was looking over my report and I noticed several inaccuracies pertaining to this account. This account is hurting my ability to obtain credit. Its my understanding that the credit reporting agency will investigate this account for me to ensure accuracy. I would like for you to note that all accounts that are references are EXACTLY as it appears on my credit report that your company has reported. 
Please correct or delete this accounts immediately. 

Company Name Account # The Bureaus XXXX
Consumer complaint received 2016-10-30
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Payment arrangements have been made to Portfolio recovery monthly in the amount of {$250.00} per our settlement arrangement. They have taken my first XXXX payments out and applied it to my account. They have not taken the last XXXX payments that I have wired to them and applied it to my account. I have difficulty trying to understand anyone that works for that company and they are not working with me to resolve this issue.
Consumer complaint received 2016-10-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

My electricity bill with XXXX is set up for budget billing ( estimated yearly usage is averaged over 12 months ) this is being reported as a 'partial payment ' to Transunion . I opened an investigation with transunion whom reported the past 6 months as unpaid on my credit report. This is untrue as my bill is set up for automatic payments.
Consumer complaint received 2016-10-30
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

When I loaned my XXXX in 2012 I was told 7 % for 6 years since my credit was not good.. But if I add more on the monthly minimum payment it will shorten the length of payments. After 4 years paying my loan I contacted Toyota Financial Services to decrease the interest because I become disable. I was told my car loan interest is 11.54 % and they are just 3rd party, they cant help me. I called the Dealer Agent he said he didnt know that if only he knew it he will advise me to refinance after one year. I also mentioned if I pay more it will just be deducted for next month payment. I found also Toyota will settle a lot of money for discrimination of loan pricing. I was not only had been discriminated but completely deceived.
Consumer complaint received 2016-10-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion glitch removed all of my inquiries from my credit report in XX/XX/XXXX and put them back on there. I contacted them and faxed them a copy of my credit report before and after and they have not removed the inquiries from my report.
Consumer complaint received 2016-10-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: USCB Corporation (TN)

i order online course for XXXX class, but this was not what i was looking for, so i send all of there stuff that they had send me, after i had paid them a {$10.00} dollar fee, to start, so i do n't know why they are trying to charge almost {$600.00} dollars now, please help!
Consumer complaint received 2016-10-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

I have had a state tax line filed on my credit report in XXXX XXXX. While I was living XXXX I had no knowledge of any unpaid taxes. Upon my return to the US, in XXXX XXXX, I paid all taxes and fees. I was under the impression that according to FCRA the lien was supposed to be removed after 7 years of filing. Once the lien was paid and released, i contacted all credit bureaus - XXXX, Equifax, XXXX. The only agency that removed the record was XXXX while the other XXXX refuse to do the same. please help.
Consumer complaint received 2016-10-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: American Accounts & Advisers, Inc. (MN)

I am receiving harassing and threatening telephone calls and death threats from representatives from American Accounts Advisors , Inc., in regards to the XXXX accounts that do n't belong to me and is the result of identity theft. The dates the accounts was opened is XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15.
Consumer complaint received 2016-10-30
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

Rash and Curtis has not replied to my letter requesting validation of debt which was received via certified mail on XXXX XX/XX/2016 and continues to be reported on my credit report. Rash Curtis and Associates have violated federal law, but also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I recently received a copy of my credit report and I notice fraudulent inquiries : 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 2016-10-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Debt Mediation, Inc. (PA)

. Professional Debt Mediation , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX advised me XX/XX/XXXX that I owed XXXX to XXXX XXXX XXXX XXXX XXXX XXXX where i lived up until XX/XX/XXXX, at which time i returned to XXXX to live as my dad was in ill health and passed away XX/XX/XXXX. I disputed the XXXX debt in writing in XX/XX/XXXX stating to PDMI that I did not owe this debt, and to prove it. Professional Debt Mediation never tried to collect on this debt, and now it being XX/XX/XXXX the XXXX statute of Limitations has expired on collecting this debt.PDMI each month put this debt on my credit reports until I disputed this with the credit bureaus XX/XX/XXXX, and the debt was removed from my credit report. I disputed this debt with XXXX in XX/XX/XXXX, XXXX removed the debt from my credit report, then for almost a year, Professional Debt never posted this debt to my credit report. until now, XX/XX/XXXX once again, Professional Debt Mediation posts this XXXX to my XXXX credit report, as to re-open this debt, which I consider " trolling '' the debt, I never paid anything on this debt, as I do not owe this XXXX and again, XXXX Statue of Limitations on debt is ( 4 ) years. ( 42XXXX. C.S.5525 ( a ) This debt is non collectible and PDMI is not abiding by XXXX statue or the Fair Credit Reporting Act. PDMI needs to stop reporting this debt, move on in life, or face being sued for trolling this debt, and trying to collect after the XXXX statue of 4 years has run its course, I moved to XXXX XX/XX/XXXX, and now it is XX/XX/XXXX, way past the time frame for this debt to be acted or collected upon.I moved out of XXXX XXXX XXXX XX/XX/XXXX and lost my security/pet deposits and have been a resident of XXXX since XX/XX/XXXX.PDMI is a vulture credit collection agency, and they are to harassing me over a debt that is non collectible with the reporting and phone calls.
Consumer complaint received 2016-10-29
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: WELLS FARGO & COMPANY (MN)

Requested increase in credit limit. The limits were approved without regard to income debt ratio. They approved debt without regard to whether it was feasible for me to pay back. Now I 'd like to move debt / consolidate to lower interest products and am unable to because all companies say my debt to income ration is too high. I 'm stuck with too high of a credit balance with an enormous amount of interest rate with no possibility of moving to lower interest products. It will take me 39 years to repay the credit balance if I continue to pay the minimum balance which includes high, ridiculous, and unfair amount of interest and fees.
Consumer complaint received 2016-10-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I contacted TransUnion in regards to an old XXXX account that had been illuminated two years ago due to ID theft and was placed again on my credit report by an agency who was resold the debt. The other XXXX credit reporting agencies have removed the item yet TransUnion claims the item needs FCRA requirements.
Consumer complaint received 2016-10-30
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I reside in Washington, DC and earlier this year I was approved to purchase a condominium through a DC government program for less than half of the market value. I make {$46000.00} a year, I have a good credit portfolio and an average credit score of XXXX. I was pre-approved by Bank of America Home Loans to purchase the property using A first time homebuyer second trust government backed loan. The DC government has allowed me to purchase the property based on my income. The monthly payments XXXX mortgage, condo fees and taxes XXXX fall within the proper debt to income ratio. However, according to Bank of America the underwriter has not approved the loan because they are projecting the monthly tax payments On the appraised value of the property. The property I am trying to purchase is an affordable housing unit and and DC law states that based on my income I am eligible for tax abatement.
Consumer complaint received 2016-10-29
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo is ripping off their customers. My checking account was not over drawn and while there were pending charges, XXXX of the charges were duplicates and I had made an additional deposit on the XXXX making the checking account balance. I talked to their customer service people and they told me that their screen is not the same as my checking account, and that they create over drafts by putting in the pending charges/checks. However, the pendings charges/checks had XXXX venders that doubled their charges. XXXX has cleared and the other should drop off by monday. My available balance had over {$1000.00} in it. This bank is practicing theft by deception.
Consumer complaint received 2016-10-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: California Business Bureau, Inc. (CA)

On XXXX XXXX XXXX I disputed information on my XXXX Credit report that did not belong to me. There were XXXX adverse accounts from California Business Bureau that I was unfamiliar with. These accounts belonged to someone with a different address, last name, and social security number. On XXXX XXXX XXXX I received a mail correspondence from XXXX, report number XXXX ( attached ) finding in my favor and that all XXXX negative items were deleted from my credit report immediately. On XXXX XXXX XXXX I logged in to my XXXX credit tracker account and notice that all of the previous adverse accounts removed from my credit report 21 months ago had been reinserted with no notice of investigation or certification of accuracy of information. as required by the Fair Credit Reporting Act. I filed the appropriate dispute with XXXX on XXXX XXXX to get these items removed. I received a response from XXXX on XXXX XXXX Report Number XXXX in which they decided to delete XXXX of the XXXX accounts which are all the same accounts from the same alleged debtor, California Business Bureau that had all been deleted 21 months ago. There is no reason to not delete all of these account I have proven that they are not mine. They are exactly the same name and dollar amount as the ones deleted 18 months ago. My complaint is that XXXX has failed to follow the laws of the Fair Credit Reporting Act by not giving me proper notification of investigation, or certifying the information that was previously deleted by them 18 months prior.
Consumer complaint received 2016-10-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

XXXX/XXXX/XXXX, PURCHASED BRAND NEW HOME FROM XXXX. CONSTRUCTION BEGAN IN XXXX. XXXX XXXX UPGRADES WERE NOT DISCLOSED TO ME DURING CONSTRUCTION, SO MY CHOICES WERE LIMITED FOR FLOORS, COUNTERS, ETC. LENDER INCENTIVES - {$0.00} DOWN/ {$0.00} CLOSING COST-FOR USING A XXXX XXXX, XXXX FOR HOME LOANS. XXXX XXXX, WAS THE BEGINNING OF MY FINANCIAL CRISIS-SO FAR XXXX FORECLOSURE ATTEMPTS BY XXXX BK 'S COSTING ME $ XXXX LOST XXXX VEHICLES IN CH XXXX-NOW STRUGGLING TO MAKE PYMTS ON XXXX CAR SHARED WITH XXXX XXXX DUE TO EXCESSIVE ATTY FEES IN CH XXXX THAT WAS INTENDED SOLELY TO STOP SALE OF HOUSE. I HAVE FOUND ON : XXXX-DEED OF TRUST ( 1ST {$190000.00} ), PURCHASE MONEY DEED OF TRUST ( 2ND {$48000.00} ) -BOTH W/ SIGNATURE ON SEPERATE PGS/NOTARY PGS ARE DATED XXXX/XXXX/XXXX, 3 DAYS AFTER CLOSING:XXXX XXXX ASSIGNED 1ST AND 2ND TO XXXX WHO ASSIGNED TO XXXX EVEN DAY-XXXX MIN XXXX DEACTIVATED : XXXX/XXXX/XXXX, 4 DAYS AFTER CLOSING, SPECIAL WARRANTY DEED-CASH ( {$10.00} ) FROM XXXX OF TX TO XXXX DBA XXXX , THEN, SPECIAL WARRANTY DEED W/XXXX RESERVED AND ASSIGNED TO 3RD PARTY LENDOR PROMISSORY NOTES OF {$220000.00} AND {$56000.00} PAYABLE TO XXXX FROM XXXX : XXXX/XXXX/XXXX RELEASE OF LIEN ( 2ND {$48000.00} ) BY XXXX, REQUESTED BY XXXX XXXX XXXX, PAID IN FULL : XXXX/XXXX/XXXX ASSIGNMENT OF DEED ( 1ST {$190000.00} ) FROM XXXX, NOMINEE FOR XXXX, TO XXXX XXXX XXXX XXXX, TRUSTEE FOR CARRINGTON MORTGAGE LOAN TRUST SERIES XXXX ASSET BACKED PASS THROUGH SECURITIES WITH SEPERATE DOC FROM XXXX, NOMINEE FOR XXXX, REMOVING TRUSTEE AND ASSIGNING SUBSTITUTE TO FORECLOSE-THE RELEASE OF LIEN AND THE ASSIGNMENT OF DEED REF THE XXXX MIN NUMBERS THAT HAVE BEEN INACTIVE SINCE XXXX/XXXX/XXXX. THE RELEASE SIGNED BY XXXX XXXX ( VP OF XXXX ) NOTARIZED IN XXXX, THE ASSIGNMENT ON XXXX/XXXX/XXXX SIGNED BY XXXX XXXX, XXXX SEC FOR XXXX WITH TRUSTEE NOTICE ON XXXX/XXXX/XXXX SIGNED BY XXXX XXXX, VP OF CMS- ATTY IN FACT FOR XXXX XXXX WERE BOTH NOTARIZED IN XXXX CA BY A CMS EMPLOYEE, XXXX XXXX XXXX THE VP OF CMS, XXXX. SHE GOES BY XXXX XXXX-EMPLOYEES ARE NOT ALLOWED TO FORWARD CALLS DIRECT TO HER BECAUSE SHE IS VP : NOTARIES NOT ALLOWED TO DISCUSS DOCUMENTS : XXXX/XXXX/XXXX 2ND SUBSTITUTE TRUSTEE ASSIGNMENT POSTED, SIGNED BY XXXX XXXX DEFAULT LEAD FOR CMS, XXXX CA. ALL 3 NOTICES SAY RETURN TO CARRINGTON FORECLOSURE XXXX IN XXXX CA- I WAS ADVISED BY CARRINGTON CALL CENTER, THEY DO NOT HAVE A LOCATION IN XXXX , CA. XXXX XXXX XXXX XXXX-IS A TRUST CONTAINING BUNDLES OF SECURITIZED LOANS ; MORTGAGE WITH CMS WAS DISCHARGED IN 1ST CH XXXX BK ; CMS CLAIMING XXXX XXXX AS LIEN HOLDER OF NOTE ; RECORDS SHOW XXXX DBA XXXX XXXX AS HOLDER OF NOTE. ASSIGNMENTS FROM XXXX TO XXXX IN XXXX OVER RIDE ASSIGNMENTS TO XXXXCMS IN XXXX, PLUS THE ENDORSEMENTS ARE NOT VERIFIABLE.
Consumer complaint received 2016-10-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (CA)

I used an XXXX in which my health insurance covered and I paid the copay right then and there and now I believe this is the XXXX company that has somehow found out about that visit and is calling/mailing me for a collection of medical debt I never owed.I 've checked online with my insurance company and I do not owe any debt for it. Nor do I see any of this " debt '' on my credit report. I 'm not a person that typically likes to owe money to anything so it 's very weird that I keep getting these past due balance letters and calls. So I can only assume this is a very realistic scam.
Consumer complaint received 2016-10-29
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I wrote this to Capital One Customer relations using an email address given to me by a powerless " supervisor '' Dear Sir or Madam, I am extremely frustrated with this company and its customer service or lack thereof. Your supervisors do n't answer questions rather they parrot what they have already said over and over and over again as if I am deaf? The supervisor insists she does n't have a boss!! I have a reservation I made using my reward points. I chose the wrong date inadvertently as I am trying to meet a group in XXXX. For a variety of reasons including a prolonged recent illness, I misunderstood the information that they gave me and made the wrong date on the reservation reservation. 
I need to fly the same route and times on XXXX XXXX instead of the XXXX to meet the group when they arrive. I am told now that I can not change this reservation. No where did it say I could n't do that within the information your message sent to me. 
I was sent this email confirmation with links offering to change or cancel that have never worked. I thought it was my ISP provider XXXX issue thenI thought it might be your website. so after many tries to use these on several different days today I called. 
After over 4 hours on the phone with Capital One- XXXX service today, I am NOW told that I can not change this reservation though the request is very simple move the flight date by 24 hours. No where was that information offered before this. In fact there are non working links to change or cancel the reservations with generic statements that say some reservations can not be changed. It does not say this in my confirmation regarding my reservation. 
It does say no refund right up front. I do n't want a refund. I have spent more than 2 hours on this at this time though I feel that my personal time is truly of no value or concern to Capital One. I am a customer in good standing. I have never been late with any payment. I respond with each request to verify charges promptly. I notify before leaving the country. I would very much appreciate hearing from whoever has the power to do anything in order to get me the flight on the XXXX or to reinstate my rewards points which I was told by one agent can be done such that I may make a new reservation. Of course the person I was passed off to would not help me.
Consumer complaint received 2016-10-29
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CO)

Wells Fargo Credit issued a Visa Card in my name and it was used to charge {$4100.00}. We knew nothing about this Visa. We never asked for or approved or knew about the Visa until their Fraud dept contacted us about the {$4100.00}. We never received a physical card nor anything in the US mail until four months later when they sent us a bill and now are thereating us with fines. They also ruined our credit ratting. We have spoken to them several times. They have assured us they would take care of it, yet we still are getting the bills and our credit can not be fixed. HOW CAN A BANK ISSUE A CREDIT CARD IN SOMEONES NAME WHEN THEY KNOW NOTHING ABOUT IT! We do not have a savings or checking or credit account in Wells Fargo. But we do have a home morteage with them. Help
Consumer complaint received 2016-04-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (GA)

My mortgage was sold from my long-time servicer, XXXX XXXX XXXX, to PNC Mortgage. I received my first notification on XXXX XXXX, 2016 that as of XXXX XXXX, 2016, they would be servicing my mortgage. I was unable to pay on XXXX XXXX, 2016 because none of the accounts were set up. Finally, on XXXX XXXX, 2016 I was able to make my mortgage payment. On XXXX XXXX, 2016, I made a {$350.00} payment to principal which was never credited. I called on XXXX XXXX, 2016 and I was told it would be corrected. I just received a letter that the {$350.00} was applied to the XX/XX/XXXX mortgage and I owed an additional {$170.00}. My friend who is an accountant suggested I pay online to avoid this. I went to the PNC website and they charge for paying online. In my 18 years of making mortgage payments, I have never had anything like this happen. I can see that I am being set up to go into default! I can not believe what PNC is doing is legal.