davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NY)

Dear Sir/Madam : Recently, Bloomingdales reported a 30 day LATE PAYMENT to all Credit Bureaus stating that I was late 30 days. I never received an email statement nor a paper statement telling me that there was a {$82.00} balance due and I have several accounts and I keep track of all the accounts and make timely payments as I receive statements. My credit score has always been about 785 FICO with the 3 Credit reporting Agencies. Today, my credit score dropped to XXXX due to the fact that BLOOMINGDALES CREDIT reported 30 days LATE Payment to the Bureaus. I immediately contacted the Bloomingdales Credit Department and after waiting ror over 45 minutes being on hold, I was able to speak to Ms. XXXX in Bloomingdales Credit Department I explained the entire situation to her that I never received a statement via email for the past 2 months which I always receive on a monthly basis and I requested that the 30 day past due late payment reported to the credit bureaus be removed and show as being current since it is not my fault that I never received a statement from Bloomingdales and how can I be held responsible. 

The only was I found out that my payment was past due was because I received a phone call from Bloomingdales Customer Service after 2 months letting me know to call Bloomingdales for an important business matter and when I called Bloomingdales Customer Service, I immediately made the payment of {$44.00} and Customer Servicve removed the {$38.00} late fee on the account which brought the balance down to {$0.00}. Since I was on the recorded line with Bloomingdales and they informed me in the beginning of the phone call that all calls may be monitored for quality assurance purposes, I was told by the Bloomingdales Customer Service that there would be no negative reporting to any credit bureaus and I am sure that conversation was recorded on the Bloomingdales phone line since they record calls like the rest of the companies for quality assurance reasons. 

I even requested to speak to a Bloomingdales Credit Department Supervisor and she even refused to assist me in this matter. I explained to her that it was Bloomingdales fault that I had not received statements from them for the past 2 months and she was another rude person just trying to state the facts the the negative reporting would not be removed. I have no where to go to but to come here and pleasd to your organization. 

I recently applied fr a new mortgage application and my mortgage loan wold be denied if they see that there is a recent 30 day late payment on my credit bureaus from Bloomingdales. I have an excellent record and my credit score has always been above 780. I am requesting that Bloomingdales be contacted and that I receive assistance in getting the 30 day late payment record removed from all 3 credit reporting agencies. 

Thank you XXXX XXXX XXXX ( Cell )
Consumer complaint received 2019-03-16
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: Innovis (GA)

I have been checking my credit and I found a public record and some inquiries that do not belong to me, I have been advise to file this complaint to clear this matter, and to separate my seft from this inaccurate report on my credit, and FTC complaint is attach to this request for blocking this fraudulent information from my credit report.
Consumer complaint received 2019-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

All inquiries on my report from XX/XX/XXXXand after are unauthorized. Im not sure how these are on my report and the lenders dont know either.
Consumer complaint received 2019-03-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (TN)

Yesterday, XXXX-19 I transferred money held on a XXXX   account to PayPal in 2 transfers. The first was for {$200.00} and second was for {$800.00}. These were the only times money came into my account. I made no sales using PayPal, however they have decided to limit my account in case of chargebacks or reversals. It makes absolutely zero sense. I submitted all requested documentation and answers about the transfer from XXXX and withdraw to my PayPal prepaid debit card. PayPal is not a bank and does not have the right to hold money I transferred to their platform. I was able to initially withdraw twice in the amount of {$200.00} the first time and {$100.00} the second so now there is only {$700.00} left. Again since these 4 money transactions were the only transactions to or from my account, there is nothing that would lead someone to believe there would be a chargeback, refund, or reversal.i respectfully request that my money be released.
Consumer complaint received 2019-02-28
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. (MD)

Contacted Equifax in XX/XX/XXXX to inquire as to why XXXX XXXX XXXX XXXX was reporting my account as late, when I have documentation from XXXX XXXX XXXX XXXX that my car was paid off in XX/XX/XXXX. Now, report from XXXX  shows account as " charged off '' as of XX/XX/XXXX. How can you " charge off '' an account 120 days after you sent correspondence to your customer that the account was paid in full. Account show paid in full with XXXX  balance on XXXX  and XXXX.
Consumer complaint received 2019-03-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (KY)

Wells Fargo Bank repossessed my late wifes car on XX/XX/XXXX and sold at a private sale on XX/XX/XXXX for {$4700.00}. 
The XXXX XXXX value for this car : XXXX XXXX XXXX XXXX {$7900.00}. 
I think Well Fargo is involved in unfair, deceptive, false and racism. 
During the time period discussing the fate of the automobile, several Wells Fargo agents were found to be quite disconcerting and negative.They sold the car for only {$4700.00} which I think is false. I have demanded a copy of the private sale
Consumer complaint received 2019-03-16
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. (TX)

I was a victim of fraud someone used my credit card fraudently in the amount of around XXXX dollars in XXXX of XXXX. I disputed this amount to the issuer with a police report to the issuer to no avail. The account issue is XXXX XXXX XXXX I then disputed it with all 3 credit bureaus to include transunion. I sent certified letter on XX/XX/XXXX to which i explicitly used my rights under the fair credit and reporting act. A copy of police report as well as copies of documents verifying my identity. Tranunion removed the credit account entirely in XXXX of XXXX. On XX/XX/XXXX tranunion readded it back to my credit report. I called Transunion at that time and spoke to the dispute center. The account added back was reporting a {$0.00} balance. As of XX/XX/XXXX transunion has now reported late payments and missed payment as well as an incorrect amount on my credit report. The fair credit reporting act states that condumer reporting companies will block fraudulent information from appearing on my credit report. I sent a copy of a theft report as well as letter telling tranunion what information was fraudulent. You accepted my report and removed all information regarding the issuer from my credit report. The information I sent stating that the charges were not authorized and did not pertain to any transaction I made was true and correct. I am asking transunion to remove the inaccurate information off of my credit report as it violates the The Fair Credit Reporting Act
Consumer complaint received 2020-09-23
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. (TX)

Consumer Relations, After reviewing my credit report yesterday. I noticed that a employer was added to my credit report. XXXX XXXX  should not be on my credit report and please move ASAP. Not sure why employers and inquiries are on my report I don't have enough credit to apply for anything. All inquiries in the month of XXXX needs to be deleted. 

Thanks XXXX XXXX
Consumer complaint received 2019-03-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Consumers Inc (MD)

United Consumers , Inc. ( UCI ) XXXX XXXX  XXXX XXXX, VA XXXX mailed a letter regarding an alleged collection on behalf of a company I have never had any account with for any reason. After repeated attempts to call and contact through text and chat, along with numerous calls to the alleged original creditor and its partners, I concluded that UCI falsely claimed this debt is owed, while stating " Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. '' A quick XXXX search confirmed that numerous others have suffered the anxiety and discomfort resulting from collections due to UCI 's regular business practices of ( at the very least ) misrepresentation and ( likely ) fraud. Please do something about this awful organization.
Consumer complaint received 2020-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VI)

XXXX XXXX XXXX XXXX XXXX has been reporting inaccurate information on my credit report for some years now and they refuse to corrected the inaccurate payment history. The reports has been creating hardship for me by causing me to pay higher interest rates on financial products or sometimes out right denial by financial institutions.
Consumer complaint received 2019-03-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Weber & Olcese, PLC (MI)

On XX/XX/XXXX a letter was sent to XXXX XXXX asking for verification of debt, delivered and signed for on XX/XX/XXXX. A second letter requesting verification of debt was sent on XX/XX/XXXX delivered and signed for on XX/XX/XXXX. On XX/XX/XXXX a Summons [ VIOLATION : FDCPA Section 809 ( b ),  FTC opinion letter Cass from XXXX ] was filed regarding this debt which should have been placed as disputed, I signed for this Summons on XX/XX/XXXX. The verification of this debt had not been received by the date of signing and still to this day. In the Summons, Exhibit A ; The Bill of Sale is stating the Agreement was made dated XX/XX/XXXX and Closing Date XX/XX/XXXX, however the Amounts Due have been removed from this document and was signed in XX/XX/XXXX by the " Seller '' and " Purchaser ''. The Schedule 1 to Bill of Sale is missing information in the table listed. An additional Exhibit A ; The Bill of Sale is attached, stating the Agreement was made dated XX/XX/XXXX and Closing Date XX/XX/XXXX however the Amounts Due have been removed from this document and signed on XX/XX/XXXX by the " Seller '' and XX/XX/XXXX by the " Purchaser ''. The additional Schedule 1 To Bill of Sale is also missing information in the table listed. The Affidavit attached appears to be electronically signed by the Custodian of Records, whom appears to be located in California and notarized by another employee of the company on XX/XX/XXXX. The notary statement " Subscribed and sworn to ( or affirmed ) before me on XX/XX/XXXX by XXXX XXXX proved to me on the basis of satisfactory evidence to be the person who appeared before me. '' By filing this Summons, Weber & Olcese, P.L.C. has violated the Fair Debt Collections Act, Fair Credit Reporting Act, along with the local State Laws as well as their Plaintiff XXXX XXXX  has.
Consumer complaint received 2019-03-16
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. (GA)

My XXXX and I have similar names and lived next door to XXXX another. Experian and XXXX both reported a bankruptcy that belonged to my father. I sent the information to the bureaus proving this fact with both my fathers ID and mine. XXXX  immediately corrected the issue Experian did not. Experian sent me a letter stating that they had verified with the issuing agency ( The court ). So I went to the court. Received a letter from the court stating they did not verify the information and that it was the wrong person. Still Experian would not remove it or give me the proof I asked for as to how they verified it.
Consumer complaint received 2019-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (IL)

Account information was found to be invalid. Account was removed years ago after validation then reappeared XX/XX/XXXX. I have not had a XXXX  account since XX/XX/XXXX. Debt does not belong to me.
Consumer complaint received 2019-02-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pendrick Capital Partners Holding, LLC (TX)

I was just informed during a telephone call that I made to XXXX XXXX XXXX by a supervisor by the name of XXXX XXXX, that they are attempting to collect a debt of {$800.00}. My credit report states that the alleged debt is {$770.00}. She then also stated that there was some other {$25.00} charge.The telephone call took place at XXXX central time. It was also stated the 3 times I was placed on hold that the call can be recorded or monitored. It also turns out that she confirmed that the account was opened with them on XX/XX/2019. I had no knowledge of this due to them not stating who they were on the telephone when they contacted me some weeks ago. I did tell them to only contact me by mail. And they did, BUT they sent the documentation to address I have not been associated with for the past 2 years 5   months. It also turns out that XXXX XXXX stated that the debt was bought by them from the original creditor Pendrick Capital Partners II. I do know for a fact this debt did also come from a company called XXXX XXXX  before the date that XXXX XXXX XXXX on XX/XX/2019. When the accout was in the hands of XXXX XXXX  it had gotten deleted due to not being able to Validate the debt. Pendrick Capital Partners is a debt purchasing company, not the original creditor of this debt. If the Original creditor is no longer attached to this debt and can not be validated this item need to be removed IMMEDIATELY. Thank you.
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Hi, Someone tried to open a line of credit in my name with XXXX XXXX XXXX   and was denied. I did not try to open any new lines of credit. The person that tried to get the line of credit also changed who I'm employed with on my credit. That was according to the trans union report that I ran. I have made a police report with the XXXX  County Sheriffs Office and am waiting on the report to submit to XXXX XXXX XXXX. I would like the hard hit on my cred report removed being that I did not ask for my credit to be ran. 
Thanks, XXXX XXXX
Consumer complaint received 2019-02-28
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. (CT)

In XXXX of XXXX, I made a settlement offer with XXXX for XXXX payments of {$2600.00} each. This should have satisfied my account in full, even though it was settled. Accordingly, I need XXXX XXXX to finalize my credit report to show XXXX balance, settled.
Consumer complaint received 2019-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OK)

I was told that the process of applying for mortgage would not impact my credit score adversely. My FICO score was XXXX ( Excellent ) after over 8 years of hard work and discipline. I started the process of buying a home only after I had achieved FICO score of XXXX ( Excellent ). 

Everything has gone smooth and the closing is on XX/XX/ 2019 and to my surprise I find that my FICO score has been substantially and negatively affected. It has fallen by 29 points ONLY due to " too many inquiries ''. All of these are directly related to seeking a mortgage to buy the home chosen. 

Something with wrong in terms of what we the people are led to believe and what actually happens. And then " people '' have no effective means to address the mischief by banks and credit reporting agencies that collude to indulge in legalized extortion. 

Please help directly or indirectly by pointing me to some direct & effective actions that I can take.
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

XX/XX/XXXX : I placed a credit freeze in XXXX. Was issued a PIN #. TODAY I tried to lift freeze and am told I have incorrect PIN #. I NEED MY CREDIT TODAY, not in 2 weeks. I have all correct info. I DO NOT WANT THIS COMPANY HOLDING MY CREDIT HOSTAGE!
Consumer complaint received 2019-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Automated Collection Services, Inc. (TN)

I was living at a XXXX residents up until 2016 before moving to New York. Before moving to New York I visited the XXXX XXXX XXXX XXXX in person with my roommate to switch the services to his name. 

After living in New York for over a year I get a phone call about a {$440.00} debt from XXXX XXXX XXXX XXXX. They stated that it was a recent bill that hadnt been collected. 

The home which it happened at was tore down and replaced with a new home. Not sure how the bill was $ XXXXpossibly a water leak or something but it was not my responsibility anymore and should not be on my credit report.
Consumer complaint received 2019-02-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P. (PA)

I was contacted via mail and was given the option to settle my debt from XXXX   XXXX for {$460.00}. 
I am unable to pay them nor will I for the following reasons : 1 ) they were double and triple dipping into my bank account then sending the checks back as fraud because they claimed to have no knowledge of me having a bank account 2 ) I paid them for months but never had any money put back on my card 3 ) my credit cards from XXXX XXXX XXXX and XXXXt XXXX were stolen and when I called to cancel the cards I was brushed off with Snyde comments and then was told that my account was closed due to lack of payments and that they couldnt protect my security by closing my full account, yet am still being billed via phone for over {$80000.00} when I only owe just over {$3000.00} then when I called to complain about this the same man who was asking for {$80000.00} said that they were not aware that this was going on. 
4 ) because of their double and triple dipping into my accounts and irresponsibility they now owe me a total of over {$300000.00}. 
5 ) I was moving last year when they called to threaten me over a fraudulent amount
Consumer complaint received 2016-04-28
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Reverse Mortgage Solutions, Inc. (CA)

In or about XXXX XXXX, I was XXXX program which XXXX. The boat that I was riding on for this XXXX race crashed and I suffered XXXX, which left me unable to work. I was able to obtain a reverse mortgage with XXXX at the time. I was responsible to keep up with the property taxes. I fell behind on my taxes with XXXX and they were gracious enough to allow me to pay {$210.00} per month until the {$7600.00} was paid off. After making two payments to XXXX, the loan was transferred to RMS. RMS refuses to acknowledge the payment arrangement I had with XXXX and is now threatening to foreclose on me. Two weeks ago when I called, I was informed that to avoid foreclosure, I would have to pay a lump sum of {$7600.00}. I sent RMS a chashiers check and they refused to cash it. They are claiming that they paid over a XXXX on XXXX XXXX, XXXX for my property taxes. However, I had paid the property taxes on XXXX XXXX, XXXX. I borrowed the money to pay off the balance DESPITE the fact that I was on a re-payment plan with XXXX and RMS refuses to acknowledge. Now, RMS mistakenly paid property tax which I already paid and they are refusing to stop the foreclosure process even though I jsut XXXX them a LUMP sum of {$7300.00}. Not only is RMS acting unreasonably but they are violating the agreement I reached with XXXX. Now they are going back on the amount stated to me that needed to get me out f foreclosure, I am XXXX I am over XXXX years old,, I am current with my property taxes and I just gave RMS a check for {$7300.00}. They made the mistake of paying a property tax in addition to what I paid. I am on a fixed income and I can not give them the extra {$1000.00}. Please tell them not to treat old and XXXX people in this manner. They could easily have worked with me so as to avoid foreclosure they have a lump sum of money and they want to throw this old and XXXX man on the streets when I have complied with every demand. Please help me XXXX bless you.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.