davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-22
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. (TX)

Went online to freeze my credit information with Experian on Saturday, XX/XX/2018 and after entering all the correct information was not able to freeze my credit information with Experian online. Experian website shows that they were not able to freeze my account based on the information I entered, and requires I send all of the same information along with copies of my licence and bank statements by certified mail. I made screen copies of all the information Experian required online and my answers to these questions as proof that I entered the correct information to freeze my Experian credit report.
Consumer complaint received 2018-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

I have a charged off account with Wells Fargo and received a XXXX statement. I disputed the account and provided the documentation to corroborate the dispute. 

The account balance was corrected and placed at {$0.00}. 

Wells Fargo did not correct the account with all of the credit bureaus and now added the old balance back to the credit reports in violation of the FCRA and FCBA. 

I have sent numerous letters and it is not corrected.
Consumer complaint received 2018-08-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (NV)

On XX/XX/2018, PNCBank Sent me a letter that stated that I was delinquent in the payment of my real estate taxes. 
Consequently, PNCBank stated that I must provide documentation showing that I was not delinquent. 
PNCBank did not provide the source of the information proving that in fact I was delinquent in the payment of my Real estate taxes. 
PNCBank stated that I would be forced to make payment to an escrow account if I did not prove I was not delinquent in the payment of real estate taxes. 

Provide a copy of the source without excuse.
Consumer complaint received 2018-07-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Choice Recovery, Inc. (FL)

Received a letter in the mail from Choice Recovery Inc. regarding a medical bill from XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX 's office for an unpaid balance. My immediate response to it was that I needed to resolve this asap. After calling the collection agency and found out that they added in additional 30 % to the bill, I called back XXXX XXXX 's office and offered to pay it immediately but was told by a young lady by the name of XXXX " that it was now too late and I had to call back the collection agency and pay the whole amount plus 30 % ''. So I did just that, but since the bill was significantly higher, I asked if I could make quarterly payments and XXXX from Choice Recovery agreed. So I made the first of 4+ payments of {$250.00}. Never did the Choice representative say you have less than 30 days to pay the remaining balance or " we will report you ''. If I would have heard that, I would have pulled out several other credit cards to pay it in full. Needless to say, even after attempting to make the payments in full, never did I get a balance statement, a letter of acknowledgement, nor an email stating a balance or remainder or their intent to destroy my credit within just a few weeks. When I called the collection company ( Choice ) on XX/XX/2018 @ XXXX XXXX to inquire about why didn't they send me in writing or email any type of documentation such as a statement or letter, they stated that " it was not there job to do that ''. I was completely appalled since that is what they do for a living. I'm sure that there are Fair Reporting Act Violations here and I want this removed from my credit for their lack of incompetence. My credit was good until the collections hit my credit report and it has dropped 40 points. Which completely hurts my family and myself especially since I was in the middle of a refinance.
Consumer complaint received 2018-09-21
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. (MI)

Back in XXXX, I had a XXXX XXXX XXXX XXXXXXXX ( Now XXXX, XXXX   Card ). They kept charging me fees and overcharging. I paid {$150.00} on XX/XX/XXXX, as final payment on a card balance of {$170.00}. I sent a letter to XXXX XXXX XXXX on XX/XX/XXXX, to get them to address the problem and close the account. They never investigated the problem or issue. They sent it to collections to a company called XXXX XXXX represented by the XXXX XXXX XXXX  XXXX XXXX XXXX. When I sent them a demand and proved they should not have tried to collect the account, the entered a settlement not to sue them or XXXX XXXX for violation of state and federal law. As part of the agreement, the account was to be removed from my credit and a XXXX balance letter sent out. This is not a write off account this account was closed so I would not sue them. I have tried to dispute it several times, and all agency refuses to remove it despite the fact I have a signed agreement the account was to be deleted. I am asking the CFBP fine all three major CB for willful violations of the FACT and other consumer protection law.
Consumer complaint received 2018-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After reviewing my credit file I have come across information reported from XXXX XXXX XXXX/XXXX  that is incorrect. On XX/XX/XXXX I spoke with XXXX at XXXX XXXX XXXX XXXX and was informed that all my accounts were current in the amount however an account in the amount XXXX and XXXX has never been late because it does mot exist.XXXX also stated that XXXX has not reported anything to either credit agency yet I have negative incorrect possible fraud accounts from there company listed.XXXX also informed me that it would be updated within 24 hours. On XX/XX/XXXX I spoke with XXXX and XXXX and they both informed me that these 2 account never existed however the ones that I do have are current and never been late. Yet all 3 credit reporting agencies are still reporting this inaccurate and based on XXXX and XXXX fraud info. I myself have never known about an account in the of XXXX and neither have I known of one in the amount {$6500.00} and I also know I HAVE NEVER EVER BEEN LATE ON ANY ACCOUNT THAT I MAY HAD. Please remove these accounts from my credit file immediately. As I have never ever been late on a student loan the loans I have are being paid on time and these loans do not exist or could be a result of identity theft as I have been a victim of.
Consumer complaint received 2018-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (NE)

i owed about 2yrs max left on loan.. i signed a 30yr contract and gave them XXXX plus first mortage payment for heartman ship contract..went to court two days later and judge said my house was already sold. when not even went inside my house to inspect it.. sheriff was at my house within hrs and gave me 10mins to collect my stuff.. i was behind bc i just lost my father and my mom was gettting to many XXXX plus i just had a kid and move to florida to be with him.. my first month payment back i told them to to fly a kite.. lost everything the house my dad died in and his great mother stuff plus my greatdad flag and medals from the world.. and whole house full stuff.. i didnt contact a attroney bc just move away from son in flordia and lost dad and house..plus took the last of money and me and mother and sister and bf and thier kid ur homeless overnight..plus they give would give me a copy of they new contract ask several times..
Consumer complaint received 2018-07-13
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 — Was not notified of investigation status or results
Company: Phoenix Financial Services LLC (FL)

XX/XX/2018 A collection agency Phoenix Financial Services reported a past due owed to the establishment in the amount of {$570.00}. I was not notified that there was an account with them, nor do I have a signed contract with this agency.
Consumer complaint received 2018-08-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

I contacted Carrington Mortgage about my loan and spoke with XXXX his ID # is XXXX ... I explained to him how Carrington had  lied to me about helping with my loan modification..Carrington refused to accept payments to bring my mortgage current. XXXX  was very helpful and he said that he would send me a reinstatement letter and I should receive it by XX/XX/18. On XX/XX/18 I received a letter from an attorney saying Carrington is foreclosing on my home and God knows this is WRONG, illegally trying to foreclose on my home. Carrington, why did you lie to me? Im so upset. Im trying to stay in my home. I just dont understand a mortgage company refusing payments. Carrington, you promised you would work with me and suddenly you foreclose on my house? Im praying XXXX steps in and turn things around because this is not right.
Consumer complaint received 2018-08-13
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (FL)

In XXXX, spoke to XXXX at Wells Fargo in order to close Portfolio Line Statement Account. XXXX said I had to write a letter and send it to : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Nevada XXXX. In the meantime, I paid {$25.00} annual fee. I never sent the letter. 

XX/XX/XXXX I asked my daughter to call Wells Fargo for me because I received another statement where I had to pay {$25.00}. My daughter was told there was a {$12000.00} collateral on this account and that is why a letter had to be written. The gentleman said not to pay the {$25.00} because Wells Fargo would take {$25.00} from the refund I was due. 

XX/XX/XXXX. Spoke to XXXX and then XXXX, supervisor. They provided fax number ( XXXX ) to send letter. XXXX said it would take two months to receive refunds because this money was in stocks and bonds. XXXX explained this was a Tier Line of Credit, a secured Portfolio line initiated in XXXX. XXXX said she did not have a call back number. XXXX said she would send us a copy of the original contract initiating this account to us. Letter was faxed to Wells Fargo requesting account be closed along with death certificate of my spouse and call back numbers for me and my daughter. 

XX/XX/XXXX Spoke to XXXX requesting confirmation fax was received. XXXX said we would receive letter in the mail confirming request to close account. 

XX/XX/XXXX We have not received copy of contract or confirmation requesting to close account. Called Wells Fargo at XXXX. Spoke to XXXX who said account was closed on XX/XX/XXXX. XXXX said there was no collateral on this account. After we told her she was the first person to tell us that she corrected herself and transferred us to XXXX in Premier Accounting. XXXX could not find the account number and said it did not exist. XXXX apologized and said she was the wrong department and transferred us to XXXX. Once we identified ourselves, the call dropped and they did not call us back.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am submitting a formal complaint regarding several accounts that are inaccurately reported on my credit report. These include XXXX ( Account XXXX ), XXXX ( Account XXXX ), XXXX ( Account XXXX ), XXXX ( Account XXXX ), XXXX ( Account XXXX ), XXXX XXXX ( Account XXXX ), XXXX ( Account XXXX ), XXXX XXXX ( Account XXXX ), XXXX XXXX ( Account XXXX ), XXXX ( Account XXXX ), and XXXX ( Account XXXX ). I initially disputed these items with TransUnion via certified mail on XX/XX/2024, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. However, TransUnion failed to respond to my dispute within the 30-day period required under FCRA Section 611 ( a ), which mandates a timely investigation and response to consumer disputes. Additionally, I have directly disputed these accounts with the companies in question, but I either received no response or was asked for more personal information, which I have a legal right not to provide under the FCRAs protections against identity theft and fraud. I refuse to give them further personal details because it risks the integrity of my dispute and raises serious concerns about potential fraudulent activity. These companies are legally obligated under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, to accurately report only verifiable information. I believe these demands for additional personal information are an attempt to undermine my dispute, in violation of my rights. I have not received verification or adequate documentation to support the continued reporting of these accounts, as required under FCRA Section 623 ( a ) ( 1 ) ( B ). I am requesting immediate corrective action and removal of these items from my credit report due to their unverifiable, inaccurate, or outdated nature. Failure to comply with these federal and state consumer protection laws is a violation of my rights and constitutes negligence by both the credit reporting agency and the creditors involved.
Consumer complaint received 2018-08-11
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. (TX)

XXXX XXXX XXXX has re-aged an old debt, which is illegal according to FRCA. I disputed the information was disputed with the credit bureaus and the information came back as verified. I have disputed the information several times over the last ( 2 ) yrs and it still has not been addressed.
Consumer complaint received 2018-08-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation (TX)

I sent United Revenue Corp a certified letter requesting they correct and verify 5 accounts they are reporting to XXXX credit bureau. First these accounts are duplicates and they are two accounts that are reporting as 5 separate accounts. Second, I requested they verify all information on accounts as the balance, the date of first delinquency, date closed, and date opened didn't match my records. Per the Texas Finance Code 392 they were to correct or delete from my credit reports. As of today they have done neither and continue to report incorrectly effecting my ability to get financing. Per my attorney all communication needs to be made via email or certified mail. On XX/XX/2018, United Revenue Corp sent me a generic letter with no information at all. I have forwarded to my attorney. I am requesting they delete all 5 accounts immediately from my credit reports. United Revenue Corp XXXX {$940.00} United Revenue Corp XXXX {$940.00} United Revenue Corp XXXX {$1200.00} United Revenue Corp XXXX {$1200.00} United Revenue Corp XXXX {$1200.00} Additionally on XX/XX/2018 I filed a XXXX compliant in attempts to received a resolution and United Revenue Corp failed to respond.
Consumer complaint received 2018-07-13
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: Santander Consumer USA Holdings Inc. (NY)

I do not understand why this company has pulled my credit report twice I never authorized them to pull my report I never applied for anything through them SANTANDER CONSUMER USA XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX   XXXX, TX XXXX ( XXXX ) XXXX SANTANDER CONSUMER USA XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2018-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BB&T CORPORATION (WV)

My bank BBT cancelled a credit card that I had not used in many years. I had no problem with this, as I had several cards and only used one of them. I use my remaining card almost daily so I can earn rewards points. At present, I have XXXX points accumulated. I was saving those for extra money for a trip I am leaving on in a few weeks. I went to redeem those points and got an error that I no longer had access to that account. I assumed it was an error and called the number given, should I think that the message was in error. I was told that because the credit card I no longer used was cancelled, my points were forfeited. I have always used my main credit card to redeem points in the past, but now the bank says those points are no longer valid. I had to spend nearly {$25000.00} to accumulate those points. I want the money, that I was counting on, by using that card. I never once used the old credit card to redeem my points. I don't understand how they can take them away. I would like to file a formal complaint for this.
Consumer complaint received 2018-09-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

On XX/XX/2018, was informed that my checking account was overdrawn and charged {$35.00}, in the past I have been told by Bank of America that as long as I deposited cash by XXXX local time into the account on the day I was informed of the overdraft that I would have this fee refunded. I was told by representative XXXX on theXX/XX/XXXX that that is true, but he could not refund the fee. 
I did put {$300.00} into the account on the XXXX at XXXX XXXX. This put me in the black on the account
Consumer complaint received 2018-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have written he MO bankruptcy courts about why the credit report agencies are reporting my bankruptcies. I have sent a letter to all three credit bureaus by certified mailed and they recived them on XX/XX/2018. to remove these public records of banrupticies, they have not responded nor removed them from my credit report. I want them removed immediately it is my right.
Consumer complaint received 2018-08-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: eMoneyUSA Holdings, LLC (MO)

On XX/XX/XXXX, I tried to payoff my loan on XX/XX/XXXX. I was told I needed a debit card which I replied no because my bank will freeze the payment thinking its fraudulent. I was told by my contract legally I need to provide a debit card. I reread my contract and nothing is mentioned about needing a debit card. Told them if they can not accept my payment ACH like on file they are refusing payment and to stop further deductions. I was told that was no way to stop payments, within my consumer rights I can refuse and take off ACH for any reason! They have also failed to report to my credit agencies of payments maid which I was told they would!
Consumer complaint received 2018-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

On XX/XX/2018 I ordered XXXX XXXX and XXXX XXXX XXXX. I did not see the fine print which stated that they would bill be every month for {$89.00} and {$90.00}. When I noticed this, I called and cancelled the orders. The company cancelled my orders and never sent any products. 

I spoke with Citi Cards and disputed the billing. They said I needed to prove I cancelled the orders so I called the vendor and was given a cancellation reference numbers that I provided to Citi Cards on XX/XX/2018. On XX/XX/XXXX, I received a letter from Citi Cards stating I had no proof of cancellation so the issue was resolved and I had to pay. I called them and referred to the cancelation references. They said they would bring it the billing departments attention.

I received the next bill from Citi Cards and again, I was billed for these products I did not receive. I called Citi Cards again and was re-assured it would get handled. I then received another letter stating the issue resolved and I had to pay the money. I again called and was told they would look into it and let the investigator know of the cancellations.

Please help. I suspect Citi Cards cant get the vendor to return their money so they are looking for me to reimburse them. I received no product and the vendor has cancelled my account. But Citi Cards keep insisting I owe them money. To add insult to injury they are now charging me interest for non payment despite their assurance they wouldnt. 

Any help you can give me would very much appreciated as it appears my talking to them falls upon deaf ears.
Consumer complaint received 2018-09-21
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. (PA)

I am a victim of identity theft and these accounts on my credit report are fraudulent. I have been living in my house in Pennsylvania since XX/XX/2012. I have never took out a credit card or auto loan ever before. I am a mother of XXXX and this has been causing me a lot of stress. I want these accounts to be immediately removed and blocked from my credit.
Consumer complaint received 2024-08-30
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: EQUIFAX, INC. (MD)

I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.