davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-12
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. (MN)

I have accounts under my credit report that are in FCRA Violation. I have contacted these credit companys numerous times to fix this they they are continuing to violate my rights. 

XXXX XXXX is continuing to be reported verified with no proof from neither company. They began reporting on my account on XX/XX/2020 for the balance of {$3900.00} XXXX XXXX XXXX is continuing to be reported verified with no proof of verification from neither company. They began reporting on XX/XX/2020. This company is also on numerous violations and these investigations that the Credit bureau claim that they are doing, is unacceptable and could be facing a lawsuit. 



These need to be removed from my report and is negatively impacting my financial situation.
Consumer complaint received 2021-03-11
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I had a XXXX XXXX credit card with a credit Limit of {$500.00}. After few months ; credit company, ( XXXX XXXX ) sent a statement show that I owned {$4200.00} Few years later, the balance become {$310000.00}, Remembered my credit limit has been {$500.00}. I called XXXX  XXXX to disputes the mater with no success. XXXX XXXX sent a letter stated that my account was transferred to Portfolio Recovery Associates, LLC. I then called Portfolio Recovery Associate, LLC to dispute the matter with no success of resolve the issue.
Consumer complaint received 2021-03-11
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. (NJ)

I HAD A DEBT CONSOLIDATION COMPANY ASSIST ON PAYING THE ACCOUNT. PROOF OF SETTLEMENT WAS OBTAINED AND FORWARDED TO THE CREDITOR AND CREDIT BUREAUS ON THREE OCCASIONS WITH 40-60 DAY WAITING PERIODS IN BETWEEN EACH INQUIRY. 

THE ACCOUNT REMAINS ON MY CREDIT REPORT, REFLECTING AN OWED AMOUNT ( IN SOME BUREAUS ) AND CONTINUES TO AFFECT MY CREDIT STANDING EVERY MONTH. PLEASE INFORM THIS CREDITOR THAT IF THIS MATTER IS NOT RESOLVED WITHIN A REASONABLE TIME, AFTER THIS CORRESPONDENCE IS RECEIVED, I WILL FIND MYSELF WITH NO OPTION BUT TO PURSUE THIS LEGALLY.
Consumer complaint received 2021-03-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Mediation Recovery Center (TX)

I keep getting call after call, numerous times a day and from different phone numbers, threats if I do not pay this amount they will come arrest me and will have a warrant sent out. I've blocked any numbers that are not recognized and I had my voicemail turned off so they would quit leaving me threating messages. I don't owe anyone for any loans, I haven't taking out any loans, my bank account has been compromised around 13 times and I have to keep changing my bank account numbers just so these sorry XXXX scammers don't take my hard earned money. I now have received a letter offering a one time payment or alternative options if I can not pay the one time payment. I don't owe them anything. Here 's the information I received in the mail : Mediation Recovery Center Website : XXXX : XXXX Toll-Free XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : XXXX XXXX Account Manager.
Consumer complaint received 2021-03-12
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. (CA)

These inquiries are not mine I have never opened these applied for these and dont have a clue how these got on my credit report. I started disputing these since XX/XX/XXXX and every month after until XX/XX/XXXX I have sent out multiple letters saying that these are not mine to the furnishers as well as to all the bureaus but they have not reached or or helped me out. This is clearly affecting my credit score and my credit and I need these inquiries gone since they are not mine. I even opened an FTC report on XX/XX/XXXX and still nothing. 

Creditor Name XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Consumer complaint received 2021-03-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NAVY FEDERAL CREDIT UNION (FL)

i aquired this loan and after it i was deployed after being deployed i was unable too pay off both car loans aquired. i tried working it out with the actual bank paying but they had alerady illegaly sold my debit off too an collector too harras me while i came home from depolyment my depoyment wasXX/XX/XXXX on XX/XX/XXXX
Consumer complaint received 2021-03-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I went to buy I brand new car from team XXXX XXXX Nj which is located in XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. In XX/XX/2019 Unfortunately since its the first experience for me I trusted the finance manager that he will do the finance through his company only but I found out he run my credit score almost 23 times with deferent lenders which effect my report and I even didnt get the approval from his company although I was 100 % coalfield to. He chose the lender who gives him more commission and charge me with 11 % interest rate for 6 years which will cost me to pay the vehicle price 1.5 time the real sale price. I have no option that time but since that time Im suffering with the monthly high payment which is {$590.00} and I found out that I cant refinance as he said.
Consumer complaint received 2021-03-12
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. (CA)

There are 8 loans on my credit report that do not belong to me I have not signed or applied for these I have no clue how these got here. 

Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account
Consumer complaint received 2021-03-12
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. (NJ)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Consumer complaint received 2021-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has accused me of making the following charges on my account : - XX/XX/2019 XXXX XXXX, XXXX CA {$120.00} - XX/XX/2019 XXXX XXXX, XXXX CA {$120.00} - XX/XX/2019 XXXX XXXX, XXXX XXXX CA {$120.00} I have made several attempts at making fraud claims and have even faxed in a police report that I paid out of pocket for. However, they consistently denied my fraud claims and have accused me of making these purchases. I would like to settle this, once and for all, and finally close all my accounts with Bank of America, as I can not trust this bank with my money.
Consumer complaint received 2021-03-12
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. (CA)

I recently received a copy of my credit report, The credit report showed a credit inquiry bu your company that i do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my credit file unless i have authorized it. Please have this inquiry removed from my credit file immediately because it is making very difficult for me to acquire credit. 

I have sent this letter certified mail because i need your prompt response to this issue. Please be so kind as to forward me documentation that you've had the unauthorized inquiry removed. 


If you find that i am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that i am reserving the right to take civil action if necessary. 


Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.
Consumer complaint received 2021-03-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX, I started a trial subscription with Tidal music streaming service that had a free month before the first charge of XXXX. I used XXXX to make this transaction. My funding source for XXXX is Wells Fargo. 

After a history of Wells Fargo charging me NSF fees of XXXX for debit card transactions that I would have preferred to have been declined but were not, I had already removed overdraft protection on XX/XX/XXXX. I was confident that it was safe to get the free month with Tidal because even if XXXX did attempt to charge XXXX on XX/XX/XXXX, my Wells Fargo account had less than XXXX, I did not have overdraft protection, the transaction would be declined, and no NSF fee would apply as per Federal Reserve 2010 policy and Wells Fargo policy which I have included. 

I think its fair to say Im a fairly well informed consumer but still I was shocked that Wells Fargo STILL approved the debit transaction despite me not having funds AND charged a {$35.00} fee. What is a careful consumer to do? 

I reread the policy again and I do see there is a loophole where XXXX can try to sneak in unwarranted NSF fees for *recurring* transactions. However, the transaction I made was not a recurring automatic paymentit was initiated by me by hand on XX/XX/XXXX and I have included a screenshot from XXXX to prove it was an instant transfer, not recurring. That is the very opposite of an automatic payment. 

Tidal did a poor job explaining why there was a charge on the supposed free month, but its not their fault a payment went through that should not have.
Consumer complaint received 2021-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX, TransUnion and XXXX  have overused their power of being consumer reporting agencies. The misuse and unauthorized reporting, validating debt and other without my consent is unfair according to Congress Law. I have attached letters that I've previously sent via mail. These credit bureaus are not operating with the boundaries of FCRA and FDCPA.
Consumer complaint received 2021-03-11
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

I paid my khols credit card in XXXX in full. There must have been an issue with their system. There was XXXX dollars and change that caused my credit card to charge off and khols closed my credit card. I did not find out until my XXXX XXXX tanked and my bank and other credit monitor sent me emails. I immediately called khols. They can not tell me why the system did not pay the card in full with interest. I spoke to XXXX in " office of the president '' who was so rude. She said they will not open my card back up and " you tell me ' why the system didn't pay off your card. She said they sent me a cure letter but the cure letter says I owe XXXX $ . I asked them to fix my credit they said they would but would not open the card back up. If it's not my fault why are they not opening the card back up. That hurts my credit too showing a closed charged off card. Khols collections efforts need to be looked at as well as their customer service. I had to reach out to social media as everyone kept saying this is your fault. I have spoken to 3 reps including XXXX. I hope khols listens to her call and retrains her. Office of the president should hire the best collections reps.
Consumer complaint received 2021-03-11
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: WELLS FARGO & COMPANY (GA)

Wells Fargo Bank XXXX XXXX XXXX XXXX XXXX, IA XXXX Re : UNAUTHORIZED HARD INQUIRY RUN ON MY CREDIT On XX/XX/XXXX, and XX/XX/2020 The Wells Fargo Bank ran UNAUTHORIZED HARD INQIURY ON MY CREDIT. THERE ARE TWO INQUIRIES ON XX/XX/XXXX, and XX/XX/2020. 

These are impacting my credit and am unable to obtain needed credit. 

. XXXX*I RESPECTFULLY ASK, REMOVE BOTH THESE INQUIRESS FROM ALL CREDIT BUREAUS IMMEDIATELY - WITH OUT ANY FURTHER DELAY*****
Consumer complaint received 2021-03-11
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. (VA)

I went to review my credit report last year and saw a bankruptcy that didn't belong to me I disputed with credit bureaus and also XXXX XXXX since they were the 3rd party that supplied the information XXXX XXXX agreed it was an error and deleted it off my report., XXXX  deleted it after disputing and sending in my documentation. It is still showing on my XXXX and Transunion credit report. I was told I they verified the information with the courts and I would need to contact them, I contact the courts in writing that was listed and they stated they do not provide any information to the credit bureaus and I would need to contact them to dispute. I sent that documentation in and I was later told they verify the information with a third party XXXX XXXX XXXX XXXX, who already deleted it from my file and also have file a dispute with the credit bureaus on my behalf and was never responded to. I've had XXXX XXXX file twice a dispute and no one has responded to them. I have had no issue with XXXX
Consumer complaint received 2021-03-11
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: EQUIFAX, INC. (FL)

Hi, After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires, report is attached. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry.
Consumer complaint received 2021-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (IN)

Home was purchased in XXXX, mortgage transferred to PNC in ~XXXX. PMI was required with purchase. When outstanding balance was at 79 % of loan I called to get steps to remove PMI. I was told that I had to have an appraisal and other steps to have it removed. Was advised it is automatically removed at 78 % of loan value. 
78 % of loan value ( mortgage XXXX ) is {$120000.00} and was met approximately XX/XX/XXXX. We have continued to pay PMI of XXXX $ XXXX despite excellent payment history. 

We are initiating a refi of the home and received notice that PMI is FINALLY being removed ( currently owe XXXX {$110000.00} ) and that we may be due a refund. According to my calculations that is 69 % of loan value - although like most real estate our home value has increased since purchase. I am simply calculating from our original loan amount not from the current value of the home. 

I called again to request clarity on the refund and expectation that it should be at 78 % value and was informed by the representative that the Homeowner Protection Act is only a guideline and that the investor ( not necessarily the same as the lender ) can create their own guidance. 
This is not my understanding. I am requesting a formal review of this as well as full refund of any moneys paid towards PMI AFTER the required cancellation. Furthermore, I am requesting that PNC review their practices which seemed to be designed to obstruct the homeowners from cancelling PMI. At a minimum PNC needs to provide clear guidance and a simplified process rather than put multiple barriers in place that make it difficult if not impossible to have PMI removed when requested.
Consumer complaint received 2021-03-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (IN)

I sold a VA backed property in XX/XX/XXXX, Selene finance has held the money I am due from a mortgage insurance reimbursement since XX/XX/XXXX, according to 12 CFR part 1024 ( Regulation X ) 1024.34 ( b ) Refund of escrow balance ( 1 ) In general. Except as provided in paragraph ( b ) ( 2 ) of this section, within 20 days ( excluding legal public holidays, XXXX, and XXXX XXXX of a borrower 's payment of a mortgage loan in full, a servicer shall return to the borrower any amounts remaining in an escrow account that is within the servicer 's control. 

it has been approx. 65 days. I have contacted the company over 13 times. and still have not received my check. with no solutions, this is a direct violation of the above federal regulation/law.