davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CHECKredi of Kentucky, LLC (FL)

This company charges erroneous fees and could care less as to why you have a collection placed with them. They're simply about collecting fees! 
I was recently a victim of debit card fraud and my checking account was wiped out causing several items to be returned NSF in error to numerous companies, one of them being Checkredi. I immediately filed a fraud claim with my bank at which time they issued me a temporary credit pending the results of their investigation. They also sent me several emails confirming all of the above, which I was able to forward to the numerous companies that had my debit card purchases returned to them. That being said EVERY company that I forwarded my banks email to simply redeposited their items and waived any fees that they had charged me EXCEPT for Checkredi. Upon speaking with Checkredi customer service I was informed that they were unable to reverse their fee because the email from my bank only stated that they had given me a " temporary credit '' while they were investigating my claim and that it didn't mention anything about it being due to fraud. The woman told me that Checkredi 's policy states that I needed to provide them with a signed letter from an Officer at my bank stating that it was indeed due to fraudulent activity on my account. Are you kidding me lady??? All this over a {$6.00} dollar returned debit charge! It's blatantly obvious that Checkredi is merely interested in collecting as many fees as possible, and has no concern whatsoever with regards to the consumers ill fortune. I have also filed a complaint with the Federal Trade Commission in order that they may be made aware of this company 's deceitful business practices. Absolutely ABSURD!??????
Consumer complaint received 2020-06-05
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. (AR)

This is the first time I have had identity theft. I'm not sure the reason behind this but I pulled my credit report and there are a couple of fraudulent accounts that do not belong to me. I have already submitted a request to get these things removed and as I logged on today I found a collection account added to my account right after I submitted this request back in XXXX. Someone is using my identity without my consent. Please remove these items as soon as possible.
Consumer complaint received 2020-06-05
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 (CA)

On XX/XX/2018, I had contacted Wells Fargo to schedule a recurring automatic payment in order to cover the minimum payment on my Wells Fargo credit card. I had also submitted a one time payment on the same day. The representative assured me that going forward I had nothing to worry about and that it would get automatically pulled as long as I had money in my account sufficient enough to cover the payment. My payment due date was set to be XX/XX/2018 for {$25.00}. I was never notified that the payment was unsuccessful and now I have a late payment posted on my credit report. I am now in looking to become prequalified for a home and I have been advised that I can not get a mortgage because of this mark on my credit report in this situation, because I have attempted at resolving with Wells Fargo representatives.
Consumer complaint received 2020-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-03-10
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. (NC)

XXXX  is reporting incorrectly a collection in the amount of {$8900.00} on the XXXX partial account number XXXX. Transunion is reporting incorrectly the XXXX partial account number XXXX. XXXX sold this account to XXXX. ( Please see page attached from my credit report. ) It is a violation of the Fair Credit Reporting Act to report this account twice. XXXX was the original creditor and this account needs to report a {$0.00} balance. This false reporting of the same collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-03-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC (FL)

I checked my credit to see a negative report from OPPLOANS/XXXX  in the amount of {$1600.00}. I lost my job and became XXXX  and I had no way to keep up the payments. I am now working and would like to settle the debt for {$800.00}.
Consumer complaint received 2020-03-11
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. (AR)

My wife and I have been a victim of identity theft. We have never opened a joint account or done a rental agreement together. We have been trying to remove this from our report since we first found out 4 years ago. These accounts on my report and inquiries are not mine. Please remove these fraudulent items from my report. 

XXXX XXXX XXXX  XXXX {$530.00} XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX {$200.00} XXXX XXXX {$220.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00}
Consumer complaint received 2020-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Receivables Management Partners, LLC (MI)

in XXXX of XXXX, I was contacted by " Allied Business Collections '' stating I was outstanding on a medical bill. I did not think I was, so I asked for proof to be sent to my address so I could validate the claim. I felt it could be a scam, after some research. Nothing was sent to me, so I assumed it was a scam. In XXXX, I received another call from Allied Business Collections, and they claimed they had sent this to my credit report - I told them I had asked for documentation of the bill I was outstanding on. They told me they would send one out, and claimed I had never asked for proof. They had never sent me anything, nor did the doctor. I paid this outstanding balance on the phone with the promise of documentation of this bill as well as it being taken off my credit report. 
This was the resolution I was promised, it is still on my credit report and negatively effecting my credit score. I also never received a bill with the proper bill information.
Consumer complaint received 2020-03-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (IL)

PNC Bank, ( Ref # XXXX ) This reference number was provided by PNC in a letter dated XX/XX/XXXX. 

I have a performance checking account with PNC which I've had for many years now. I opened two virtual wallets accounts ( Opened I believe in XXXX ) for my Sons as well that were connected to my checking account. My eldest son was victim to fraud activity on XX/XX/XXXX. There was over {$3000.00} dollars in fraudulent charges to his account. Apparently, someone deposited a check and went to different ATM 's to withdraw cash and several other transactions. 

He contacted PNC to dispute the activity and was told that someone would contact him back. This has not happened and provisionally credit has not been given and furthermore PNC has refused to allow me and my sons the right to close the accounts. They have taken everything I have in my account to cover the fraud charges on my son 's account. They have also taken the money from my youngest son 's account as well. I am in the process of buying a home and I need this to be resolved asap. 

I believe that this is a violation of the Regulation for failure to offer the provisional credit also for failure to initiate the dispute upon his initial phone call. Additionally, this is a violation for failure to notify me that they were placing a hold upon my account. I have mortgage payments, car note, etc that will face NSF charges because they would not allow me to close the account until they recover the money that was taken via fraud. This is unfair and is causing me and my family stress. We would like to have this issue investigated asap. And someone from PNC corporate office to contact me to resolve ASAP
Consumer complaint received 2020-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (WA)

I legally changed my name in XX/XX/2018. I updated the Social Security Administration and all my lenders. Both XXXX  and XXXX  updated information in their files. Equifax did not update their information. Because I have a security freeze on file, now I am unable to obtain new loans or increase limits on the existing loans. Equifax refuses to process my requests because the information in their file does not match the reality. 
When trying to resolve the problem directly with Equifax, they asked me to mail in a copy of my social security card. I am not comfortable mailing the card, and I disagree with the Equifax 's assertion that I should take actions with them to resolve the issue. It is the Equifax 's responsibility to update the information based on my update with Social Security Administration and all my lenders.
Consumer complaint received 2020-03-09
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 closed my XXXX  XXXX credit card account about six times since XX/XX/2019 XXXX  XXXX says its closed when I call but Equifax says they just reported XXXX dollar monthly charge wich is ruinning my credit!!! I dont owe this company a single dime and never ever have I close this account monthly and they are forcing me and destroying my credit wich used to be XXXX before all this started I am so XXXX XXXX  my next step will be to abtain an attorney and sue for the extreme distress this has caused my husband and I. I have several credit cards with XXXX balance because of this disaster I no longer want to use them this will be resolved one way or the other because its against the law to force someone to pay and be belitted against their will credit one and equifax are so stupid its pathetic that between the two of them get it through their head this account no longer exist!!!! XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

XXXX XXXX. Company made Threats and tarnished credit file while diagnosed with XXXX XXXX. Company added stress to regarding payments. Unable to work due to condition. Requesting removal of late payments and negative tradeline
Consumer complaint received 2020-03-11
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. (FL)

All of the amounts listed ( {$350.00} ) are current and are in school deferment and have been reporting on my credit report when they shouldn't. This is hindering a lot of progress I could be making with my credit especially trying to get a house. Every disbursement I have is there for lenders to see which is why everyone has turned me down for everything.
Consumer complaint received 2019-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I have been a chase customer for 10 years and I have XXXX chase freedom cards. Recently ( 1 days ago ), I received the offer for a credit limit increase which I accepted. Please not I didnt request it first hand. Then I keep seeing a prequalified offer for their chase Sapphire preferred and after a few logins I decided to take the bait. I applied and got approved. Five days later, I try to use my card at a gas station and it was declined then again later. So I logged in to check out what the problem is because I havent been using much of the card I actual only had {$64.00} balance on a {$2000.00} limit. Thats when I see that all my cards were closed. 
I called them and the reason is too many inquiries. Chase card was the last card I got last year until XXXX when I applied for a XXXX. I dont understand how thats too many inquiries! On my XXXX and XXXX I only see XXXX. XXXX has XXXX ( 2from XX/XX/2017 set to be removed by next month, XXXX others from chase itself and XXXX for apartment leasing ). I am shocked and embarrassed that chase takes such a measure without informing its clients. I am also annoyed because I had enough no late payment and the accounts are always paid on full. I am no flight risk, I have been with them for years. I was just doing a product change as my credit has risen so much and I need cards with rewards.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2020-03-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (SD)

Okay, here is what happened, I had a forbearance, the payment failed because it was processed by the loan company to early. They tried to put it through again, but my medications hit the bank before the forbearance payment. Now the loan company wants XXXX. If not my wife and I will loose the house. They do not take into consideration that we are both XXXX. 

I would like to work with them to come to a satisfactory deal, that benefits both of us. We Love the house. Also I have XXXX XXXX this month. I want them to reach out to me. Not just letting me stress out, about the next day, like where are we going to live.
Consumer complaint received 2024-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2020-03-10
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. (UT)

XXXX  XXXX # XXXX is reporting an account to my credit with a balance that should not be on there. This has been paid off for some time and is still reporting a balance and I need this removed off of my credit.
Consumer complaint received 2020-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX  XXXX # XXXX is reporting an account to my credit with a balance that should not be on there. This has been paid off for some time and is still reporting a balance and I need this removed off of my credit.
Consumer complaint received 2020-03-11
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NATIONS RELIABLE LENDING LLC (WI)

I WAS GIVEN AN OFFER TO PURCHASE MY HOME XX/XX/2020. THE BUYER WAS TO HAVE EARNEST MONEY DEPOSITED BYXX/XX/2020. THE BUYER WAS TO HAVE PROOF OF A LOAN BY XX/XX/2020. THE CLOSING WAS XX/XX/2020 AND AT THE CLOSING I DISCOVERED THAT THE LENDER, XXXX XXXX OF NRL MORTAGE WHO HAD TOLD ME ALL THE REQUIRED MONEY HAD BEEN OBTAINED, HAD BEEN ROLLED INTO HER FHA LOAN WHICH SHE OBTAINED 2 DAYS PRIOR TO CLOSING. BREACHING THE CONTRACT AND KEEPING MY HOME OFF THE MARKET FOR 2 MONTHS FOR A PERSON THAT HAD NO FUNDS. 
I ALSO WAS CHARGED WITH HER CLOSING COSTS AND THE PRICE OF THE SALE OF MY HOME WAS REDUCED FROM {$98000.00}. TO {$97000.00}. DUE TO A MATH ERROR. 
HER LOAN AMOUNT WAS LISTED AS MY SELLING AMOUNT AND I WAS CHARGED FEES ON THE LOAN AMOUNT OF {$100000.00}. AS I WAS TOLD SHE ADDED {$6000.00} TO HER LOAN TO COVER HER CLOSING COSTS. IN THE END I ENDED UP LOSING {$10000.00}. OFF THE PRICE OF MY HOME AND THE COSTS I INCURED AND SHE WALKED AWAY WITH {$110000.00}. IN CREDITS.
Consumer complaint received 2020-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX  # XXXX is reporting an account to my credit with a balance that should not be on there. This has been paid off for some time and is still reporting a balance and I need this removed off of my credit.
Consumer complaint received 2020-03-10
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my application are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$1100.00}
Consumer complaint received 2019-08-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Flandreau Santee Sioux Tribe (CA)

XX/XX/19 they tried to withdraw XXXX by using a check they wrote themselves. They do not have a signature. I never sign anything without using a signature and no there threatening me.
Consumer complaint received 2020-09-28
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lotane & Associates, P.A. (WI)

I have been made aware via solicitation from an attorney looking to represent me in defense, that XXXX XXXX XXXX XXXX is seeking legal action by attempting to sue me in court for an alleged debt. Prior to learning about the pending legal action I was unaware of any alleged debt and believe XXXX XXXX XXXX XXXX has violated protections outlined in the FDCPA by not contacting me prior in writing or by phone and allowing me to request validation of this alleged debt.
Consumer complaint received 2020-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft. 
Account Name : Account Number : Charge : Date : XXXX/XXXX  XXXX   {$3600.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$790.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$480.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX I have enclosed my FTC Identity Theft Report, proof of my identity and a copy of my credit report showing the fraudulent items. Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. I appreciate your prompt attention to this matter, and await your reply. Sincerely,
Consumer complaint received 2019-08-23
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Credit Management Corporation (CA)

I have sent the following letter to Franklin Credit Management Corporation after a series of very unsatisfactory telephone calls from me to them trying to sort out the issues described below : To whom it may concern : I have been in contact with your office by phone XXXX XXXX ) multiple times over the past month in an attempt to resolve an issue of outstanding payment that you have identified as a " deferred interest payment, '' but have not been successful in receiving clarification of the several different narratives that have been presented to me regarding that issue. 

You will note that the statement dated XX/XX/XXXX shows a {$0.00} balance on the loan referenced above, after having received a payment of {$1100.00} on or around XX/XX/XXXX, representing the final balance figure given for the previous month. You will also note a long history of timely payments - as well as a note on this statement indicating that " if payment is received after XX/XX/XXXX, {$0.00} late fee will be charged. '' You will also note that on the statement dated XX/XX/XXXX, there is a description of " Transaction Activity '' that shows that there has been a {$48.00} " Late Charge Assess ( because full payment not received by XX/XX/XXXX ) '' even though the balance of principal and interest is still shown to be {$0.00}. 

Additionally I have attached a copy of a letter dated XX/XX/XXXX indicating that there is a payment due of {$1900.00} plus late charges, for a total amount due of {$2000.00}. When I have inquired by phone about this payment and asked for a copy of the terms to which it refers, I have only been told that the payoff amount is {$14000.00}. 

I think any reasonable and rational person would determine that all of these things can not at the same time be true.