davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (NY)

After my checking account was closed, on XX/XX/20 XXXX sent a refund of {$19.00} to the closed account. I called 3 times asking how my funds can be accessed since the account is closed. PNC confirmed that they received the refund and temporarily reopened my account to do so. I was informed that I would receive a check by mail but no one knows when. There is a department that issues the checks that I can not speak to directly apparently. I would like my refund check as soon as possible. It has been over 10 weeks since the deposit was made and PNC has not allowed me access to my funds.
Consumer complaint received 2020-12-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (VA)

Please see the one of many emails that I sent to the company below. 

Good morning XXXX, Thank you for your response. I had someone send me money using my phone number, however I didn't realize my phone number wasn't attached to my account so I proceeded to follow the instructions in the text message I received advising the funds were sent. I received a message saying the funds were collected but the money wasn't showing in my account. I followed the instructions under support for collecting the money using my phone number but that was prompting me to create a new account, so I backed out of the process. However, the sender received a message saying the funds were collected although they aren't showing in my account. I tried to add my phone number to my account but it isn't allowing me to do so, it's saying that the number is attached to another account ( I didn't complete the process of starting the account using my phone number ). I have included screenshots below. At this time, I still do not have the money in the account. Are you able to assist me with either getting the money added to my account or sending it back to the original sender ... XXXX? Thank you for your help. 

Thank you, XXXX
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (TN)

Hi! My two student loans that I have with Navient Solutions LLC are currently reporting incorrect information to all three credit bureaus ( XXXX, XXXX  & XXXX  ). On XX/XX/XXXX ; I took a settlement offer for {$7500.00} with Navient but through their " sister company '' XXXX XXXX XXXX. That settlement agreement was to pay {$300.00} over a course of 24 months ; which I've been making monthly payments every month. 
Navient Solutions LLC is reporting my account as charged off, past due, & showing/reporting that I'm not making payments at all. Navient still owns my account & is reporting this incorrect information monthly. I have disputed it with all three credit bureaus agencies ( XXXX, XXXX  & XXXX  ) for the 3rd time as of XX/XX/XXXX with supporting documentation. If this comes back for a 3rd time, that Navient states " information is correct '', the credit bureaus will be investigating it as " fraudulent reporting ''. I have contacted Navient on XX/XX/XXXX & spoke with a lady named XXXX, agent ID # XXXX ; she was very rude and made it very clear that Navient would not report that information correctly. XXXX ( Navient Employee ) admitted that they've received payments every month & my current balance showing is {$6700.00}. I explained to her that this was not right but she didn't care. 
I've been working with my financial advisor & mortgage lender ; they recommended reaching out to the Fair Credit Reporting Act because this is causing my credit report to look extremely bad & causing my credit score to be lower every month. 
At this point, I need help getting this issue resolved and at least reporting the correct information. 
Thanks!
Consumer complaint received 2020-09-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Consumer Portfolio Services, Inc. (MD)

Due to financial hardship from the Covid-19 Pandemic, I have been unable to pay my car loan payment. I have made multiple attempts with creditor to come to a solution to repay the debt owed. There was extreme loss in wages that caused risk in losing our home. I requested the creditor to place 3 payments on the back end of the loan for the time being until it could be repaid but was denied relief of any sort. Requested to try to refinance but creditor stated that they do not do refinancing. Vehicle was previously in an accident so it would have become an upside down loan and placed my family and I in a harder financial situation to continue to make the payments. In result of that, my vehicle has been surrendered by the primary owner ( my ex-significant other ). The loan is still open in his name as well as mine ( I am joint owner ) and I have been without a vehicle. The vehicle was originally for myself but I had to be placed as the co-signor. The creditor also allowed the vehicle to be surrendered without my approval by the primary owner listed on the vehicle title. I was attempting to make as much of a payment as possible and was not aware that the vehicle was being surrendered until after it had been done. The vehicle was taken by the primary owner without my knowledge after it had been repaired in XXXX from an accident. I was denied access to my vehicle by the auto body shop when I made the attempt to pick it up when it was completed.
Consumer complaint received 2020-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/20 I went to the XXXX XXXX Wells Fargo ATM machine in XXXX CA and requested {$200.00} cash withdraw. As I arrived I noticed a XXXX truck servicing the ATM machines, this site is at a former bank location and now is ATM only. Not knowing if the machines would be in service I proceeded to make my transaction and the machine appeared normal, no " not available at this time '' notices. I inserted my card, entered my pin and made a selection from the normal prompts. In this case I requested {$200.00} cash withdraw. As I took the cash out I though " this feels like more than {$200.00} '' when I counted the cash it was in fact {$400.00}. I though the machine malfunctioned as a result of something the XXXX people were doing. I have never taken more than {$300.00} and though {$300.00} was the maximum withdraw per day. As I was on my way to work and there is no actual bank at this location I figured I would access my account online after work and see if {$200.00} or {$400.00} was deducted from my account, to my dismay I discovered the bank claimed I had withdrawn {$700.00}. This is 100 % not true!!!!! I called the bank and told them the story, they said they would look into it and gave me a temporary credit of {$300.00} while they did there research. They then notified me there was no error on there end and took my {$300.00} back. So I tried to get some help from my local branch XXXX XX/XX/20 XXXX who requested to reopen my claim, then I was contacted by phone XX/XX/20 and told the claim was denied and it would not be investigated any further.
Consumer complaint received 2020-12-31
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: Experian Information Solutions Inc. (DC)

I have filed a dispute inregards to the incorrect items on my credit report. Thirtys days have passed well over one week ago ; and as of today I have yet to receive any feedback on my investigation results to date.
Consumer complaint received 2019-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANCO POPULAR DE PUERTO RICO (PR)

I opened a claim on banco popular. First I opened the claim as fraudulent because there was involved a car finance thats not mine on bppr the dealer and the bank finance a different car that i dont have. The bank deny my claim and do not investigate with the merchant. They dont have evidence that make an investigation. No documents. The bank deny my claim and I opened another claim that the finance and the car was canceled and they dont make an investigation or procedure. They just close my bank account and I dont have any evidence showing that the bank make the procedure required by law.
Consumer complaint received 2019-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRSTBANK PUERTO RICO (PR)

I noticed in my credit reports that even when this credit card account with First Bank was included in my chapter XXXX bankruptcy, was showing a balance of {$1000.00}, even thou says closed. I worked with XXXX XXXX and XXXX, but they give you up to 3 times to try, then I was told to contact the company directly. On the last try the company made it worst and reported a balance of {$12.00}! When the limit was {$1000.00} and should show {$0.00} because of Chapter XXXX. I wrote to First bank on XX/XX/XXXX telling them about the erroneous reporting includeing copies of the reporting agencies and my chapter XXXX discherge on XX/XX/XXXX. On XX/XX/XXXX they answered that it does not proceed because the balance is XXXX and it was paid off, but never addressed the error about the balance of {$12000.00} and that it appears as past due of {$1200.00}. This wrong information is damaging my score and all this was included in my XX/XX/XXXX letter, and they are not complying with the bankruptcy court order and discharge.
Consumer complaint received 2020-12-31
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. (OH)

Notice for Proof of Claim Account : XXXX XXXX XXXX XXXX # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Dartmouth College v. Woodward
4 Wheat 518 : XXXX XXXX XXXX, XXXX XXXX  XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Consumer complaint received 2021-01-01
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. (IN)

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 2023-03-18
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. (TX)

In XX/XX/2022 last year my student loans were paid off in full as I had them through XXXX XXXX XXXX. At that time, I emailed all the credit bureaus and ask them to remove it from my file.. my XXXX were removed and then two weeks ago the first week of XXXX I received an alert that something changed in multiple credit reports. XXXX put on all three credit report that I owe them XXXX However, this is the amount that was written off and I am confused as to why they put this back on my credit report and when I have called them multiple times I have a XXXX balance I do not owe them anything and XXXX customer service representatives have told me that my balance is XXXX. I have faxed them a letter asking them to remove this from all my credit reports and I have called multiple times. I cant log into my account because I have a XXXX balance so Im having to deal with talking to someone and most of them dont even help me at all Because they have put this back on my credit report. It is now hindering me from getting a loan because I stated that all my student loans were paid off and now they put them back on and I dont owe them anything. Customer service is useless. No one returns any call or they say they will email me and they do not and I do not have access to the portal because I have a XXXX balance. I am going round and round constantly with these people asking them to remove it from my credit report because my debt was paid in full as I did public service loan forgiveness and I met my 120 payments with that loan and somehow this company decided to slap it on my credit report that I owe them money and then when I call them, they say you have a XXXX balance with us. I have asked him multiple times to remove it because I do not owe them anything they say I dont owe them anything but Im not getting anywhere and Im asking for some help. XXXX
Consumer complaint received 2020-12-31
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. (OH)

I recently checked my XXXX XXXX and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of Federal Law. This is also my second attempt to have these accounts removed. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and underSection 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXX # XXXX, XXXX XXXX # XXXX.
Consumer complaint received 2017-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY (NY)

I have contacted wells Fargo four times on four separate dates to fix my credit reporting. I wasnpersonally discharged of the mortgage following my bankruptcy in XXXX all of a sudden, wells Fargo began reporting to my credit bureaus again this year, in XXXX and XXXX of XXXX. I am now being declined for a new mortgage because of their inability to properly handle their bankruptcy cases. the reporting needs to be removed immediately or I will file a suit, as I have already reached out to my lawyer.
Consumer complaint received 2021-01-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (CA)

Previously. I noticed that the company Trident Asset Management was reporting on my credit report for the amount of {$920.00} for a credit card account with XX/XX/XXXXCredit Card that was opened XXXX XXXX. I have never had a credit card with such company, was never contacted by Trident prior to them reporting to my credit report on XX/XX/2020, and they refuse to correct the erroneous reporting on my credit report or to look into the false debt. I called their customer service line multiple times, with no success. This needs to be removed from my credit report immediately. I sent a complaint via CFPB ( reference complaint # XXXX ) and was advised that this listing would be removed from my credit report due to potential fraudulent activity. Either this listing has shown back up again with different information, or it was never removed. There is a listing on my credit reports for {$820.00} now from a XXXX XX/XX/XXXX XXXX Mastercard that is showing opened on XX/XX/2020. I have sent validation letters multiple times with no response. This is not my account, there is no signature in my handwriting for this account, and it was found to be fraudulent. Now this company is showing on my report again!!!!! I have NEVER received any correspondence at all from this company nor did I receive anything from Trident Asset Management, and I have never signed contracts with either. This needs to be removed from all of the reporting agencies asap.
Consumer complaint received 2017-07-24
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. (CA)

I have recently obtained a copy of my credit file and there are many mistakes in my report : XXXX XXXX XXXX : My account is not included in my bankruptcy and I have agreed to pay this account, account reaffirmed. XXXX XXXX XXXX : I am no longer liable for this account. XXXX XXXX XXXXXXXX : I am no longer liable for this account. XXXX XXXX XXXX : I am no longer liable for this account. XXXX XXXX : I am no longer liable for this account. XXXX XXXX : I am no longer liable for this account. XXXX XXXX : My account is not included in my bankruptcy and I have agreed to pay this account, account reaffirmed. XXXX XXXX : My account is not included in my bankruptcy and I have agreed to pay this account, account reaffirmed. XXXX XXXX : I am no longer liable for this account. XXXX XXXX : I am no longer liable for this account. XXXX : I am no longer liable for this account. XXXX XXXX : I am no longer liable for this account.
Consumer complaint received 2023-05-05
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. (FL)

Dear XXXX XXXX/EQUIFAX I am writing to dispute the XXXX XXXX account ( Account number : XXXX ) that is listed on my XXXX credit report. Upon reviewing the information provided, I do not recognize this account, nor have I ever had any dealings with XXXX XXXX. 

I am concerned that the reporting of inaccurate information has caused significant harm to my credit score and ability to obtain credit, in violation of Section 1681s-2 ( a ) of the FCRA and the CFPB 's Bulletin 2013-1. It is also in violation of 15 US C 1681 section 604 A Section 2, 15 USC 1681 Section 602, and 15 US code 5 1681b.

I request that this account be removed from my credit report based on the following CFPB guidelines : Inaccurate Information ( CFPB XXXX Bulletin ) The account information provided is inaccurate, and I am disputing this account as I do not recognize it. The creditor has not provided any proof of my consent or authorization to open this account. Therefore, I request the removal of this account from my credit report. 

Failure to Verify Information ( CFPB XXXX Supervisory Highlights ) The creditor has failed to verify any information about this account despite my repeated attempts to request information. The information listed is not only inaccurate but it is also incomplete. As such, I request that this account be removed from my credit report. 

Deceptive or Unfair Practices ( CFPB XXXX Annual Report ) The information provided by XXXX XXXX is deceptive and unfair as it has negatively impacted my credit score. I have not received any correspondence from this creditor or any notification of any outstanding debt owed. As such, I request that this account be removed from my credit report. 

In accordance with the FCRA and CFPB guidelines, I am also requesting that you provide me with a written statement of the results of your investigation and a copy of my corrected credit report. I expect your prompt response within 30 days of receipt of this letter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX CFPB Codes : Bulletin 2013-1, Section 1036 of the Dodd-Frank Wall Street Reform and Consumer Protection Act, Section 1681s-2 ( a ) of the FCRA Account Number : XXXX
Consumer complaint received 2019-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Professional Accounts Service, Inc. (Indiana) (PR)

I RECEIVED A UNSOLICITED CALL FROM A UNKNOWN XXXX COMPANY ABOUT CREDIT SCORE PROBLEMS. I DO NOT REQUEST THEIR SERVICES AND I WAS RUDELY THREATHEN BY THE CUSTOMER SERVICE PERSON WHEN I DID NOT PROVIDE ANY INFORMATION AND ASK MORE ABOUT WHY AND HOW THEY CONTACTED ME. THE NUMBER OF THIS COMPANY IS XXXX XXXX XXXX. THE REFUSED TO PROVIDE ANY INFORMATION ON HOW OR WHY I WAS CONTACTED AND HANG WHEN I REQUESTED A SUPERVISOR