davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-17
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (OK)

I have been unable to transfer money from my card to my bank account. The last time I was able to transfer funds successfully was XX/XX/2020. I have called into customer support several times, even getting charged a XXXX IVR BAL INQUIRY FEE because I have called in more than 5 times in a month, and it automatically tells me my balance when hitting the main menu. I have reset up my direct deposit via the web and phone IVR ( based on agent recommendations ),  reached out to my bank to see if they were able to do anything from their end, tried several manual transfers to 3 different banks, had a support ticket made, talked to '2nd level support ' and 2nd level  support suprevisor, spending several hours on the phone. I have been disconnected several times, both my support reps and the IVR. The  support ticket group called me back and left a voicemail stating if I was having issues logging in, to call back in. I do not get notified the funds are not returned, an option they have " Fund Transfer Return Alert '', instead a CASH CREDIT CLIENT ADJUSTMENT is added to my account for the same amount as the attempted transfer.
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank XXXX XXXX XXXX is reporting an account on my credit report that they are not able to verify. This account has negative information attached and every time I call, they state that the social security number and birthday do not match my tax ID or birthday. So I asked how are they reporting ANY information on my credit report since they do not have the correct information. 

I spoke to multiple representatives from this company and they are unable to verify my social and date of birth on this account. So how can your company report such inaccurate information? I explained that I am from XXXX, so I have a tax ID that does not match your system at all. Your representative stated there is a social security on the account, but I do not have one ( since I am not a US resident ) and they stated this did not match the tax ID. This company has responded to all my disputes stating its accurate but there is no way as no personal information matches. I have included the following documents for your review : XXXX credit report showing the inaccurate negative information that is under my name. 
Proof of XXXX resident document where I highlighted my date of birth. 
XXXX document that shows my tax ID number. 

This needs to be looked into as soon as possible as this inaccurate reporting is damaging my life. How is your company verifying this information when my personal identification does not match? I am kindly requesting a letter of correction to remove any negative notation of this account from all three credit bureaus.
Consumer complaint received 2020-09-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2020 I was advised that Wells Fargo is not accepting the insurance information I provided them, denying me a large refund for Insurance fraud they committed and are attempting to pay borrowers back. Wells Fargo is stating they called my insurance and was advised there is no coverage. 

That is just not true. I am requesting that they provide me a letter in writing from the insurance company stating that I did not have coverage for the dates required. 

I spoke with all 4 insurance companies and indeed they advised that my insurance was valid.
Consumer complaint received 2020-09-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Penn Credit Corporation (NY)

I sold my property in XXXX, Michigan on XX/XX/XXXX. I had both heat and electricity through XXXX XXXX. I had asked XXXX XXXX to stop both services on XX/XX/XXXX and they had confirmed that they will. There had been a major billing issue prior to this cut-off. XXXX XXXX was not correctly reflecting payment and usage due to XXXX changing to a new system. I had spoken with a representative of XXXX XXXX and she had assured me it will be fixed and will no longer be a problem. 

After I closed on the house, I received a credit collection letter from " XXXX XXXX XXXX '' on behalf of XXXX XXXX. I wrote back and gave them an explanation, and disputed the {$240.00} debt ( on XX/XX/XXXX ). On XX/XX/XXXX, they wrote to me that this issue ( collection ) has been canceled. 

I thought that was the end of it, but it was not. I received yet another letter from a different agency regarding the same issue. This time the letter was from Penn Credit Corporation around XX/XX/XXXX. On XX/XX/XXXX, I wrote to them and explained what had happened and disputed the debt. I never heard back from them or XXXX XXXX. 

In late XXXX, I was checking my credit score on XXXX as I do every month or so, and I realized my excellent ( XXXX ) credit score had fallen off a cliff ( now XXXX ) as a result of a derogatory mark having been placed on my file by Penn Credit regarding the XXXX XXXX dispute. The same sharp decline had happened to my FICO score. 

I need Penn Credit to immediately remove this mark. It has cost me time, money, and considerable anxiety. I need the following : - Penn Credit to remove the derogatory mark from all 3 credit reports immediately. 
- Penn Credit to cease and desist. 
- XXXX XXXX to cease and desist. 
- I need assistance reinstating my stellar Credit Score and FICO Score. 

Respectfully, XXXX XXXX
Consumer complaint received 2020-09-17
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)

I continuously contacted the credit bureaus and the company XXXX XXXX XXXX showing them my identification and proof of my residence. That the debt is not valid and it has not been removed from the credit report. The collection company has my identification from two states XXXX, XXXX  and XXXX XXXX  showing them where I reside and continue to reside. The debt is not valid. It needs to be removed from my credit report since it impedes me from getting home loan.
Consumer complaint received 2020-09-17
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. (FL)

I continuously contacted the credit bureaus and the company XXXX XXXX XXXX showing them my identification and proof of my residence. That the debt is not valid and it has not been removed from the credit report. The collection company has my identification from two states XXXX, XXXX  and XXXX XXXX  showing them where I reside and continue to reside. The debt is not valid. It needs to be removed from my credit report since it impedes me from getting home loan.
Consumer complaint received 2020-09-17
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. (IL)

The credit bureaus continue to report inaccurate information after their investigation. Im attaching all supporting documentation with all information so they can stop illegally reporting those inaccurate accounts on my credit reports.
Consumer complaint received 2020-09-17
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: PENTAGON FEDERAL CREDIT UNION (TX)

Hi, I have a huge problem with the information giving to me. My name is XXXX XXXX, a fully XXXX veteran of the XXXX XXXX. When I was serving an XXXX loan was taken out and due to myself being injured and unable to care for myself for quite some time, the loan defaulted. I've been contacting Penfed to satisfy the loan and reestablish my account with no further restriction afterwards. I've spoken to multiple people who told me once my past balance was taken care of all restrictions would be removed. For quite some time, all representatives haven't been able to get in touch with the person ( only person Penfed has ) who handles removing restrictions and updating the loan balance XXXX XXXX. I've been calling for a little over a month now, and the supervisor of one of the reps finally got in touch with him and he is now saying that the restrictions wouldn't be removed for me to enjoy Penfed and it's services to the fullest. Not only is the information he's just responding with completely opposite of what i've been told by everyone else, this has created quite the dilemma as professionals. Had Mr XXXX XXXX been available at all during any of this process, information could have been given out among each other accurately. The loan that we're speaking of is outside of the credit bureau reporting timeframe and did not have to be paid at all. It should not be this hard to have this taken care of in such an established organization. I am asking that this be looked into, I was told that upon satisfying this debt that I would not be penalized at all and able to use all services and products. Please allow myself to be removed from all restrictions and able to use all services and I have done what was requested but what I was assured has not been done on Penfed 's end. Also, for XXXX XXXX XXXX to be the only person handling the department he is in, he should be more readily available to handle customer 's needs. The turnaround on emails from his colleagues is crazy. I was told by the representatives of Penfed that after payment, all restrictions would be removed. If this is not true, then illegal tactics were used on me to satisfy a debt that i'm not even sure was even mines. I just wanted to be able to be with Penfed again. This loan is outside of the window for collection by law and I did not have to pay it. I did it because I was assured something that has not happened would happen. This is not good business practices and I was taken advantage of.
Consumer complaint received 2020-09-17
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: EQUIFAX, INC. (LA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-17
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. (FL)

The inquiries listed on my credit report are transactions not done by myself. I have made numerous attempts to have them removed, where you responded saying this wasn't disputed on my behalf/ by me.

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-09-17
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: Experian Information Solutions Inc. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/2020 at XXXX XXXX  ET I received a text alert from Bank of America stating that my checking account ending in XXXX has dropped to a negative balance of $ XXXX. I then received a phone call from a numbering posing to be Bank of America 's fraud protection department at XXXX XXXX ET. I was asked to identify myself using a verbal code that I have previously asked Bank of America too removed because I was unaware of a verbal code. I was then asked to indentify myself using either my bank account number and/or my debit card information. I stated that I did not know my account number by XXXX but I could accuartely ID myself some other way. The fraud department rep insisted that if I could not recite the account number there was no way for her to locate my account. I then ended the phone call after becoming extremely suspicious. I then called the bank the next morning after being on hold for an hour for the fraud department, someone finally resumed the call and then the call ended. I played phone tag for about 4 days until finally reaching someone. When I was able to speak to someone regarding the activity on my account I was notified that the bank went ahead and closed the account. I asked what would be the next steps for me retrieving any available funds on my account they stated that any remaining funds would have to be paid back to the bank although I was unaware of what has taken place. Prior to that I have filed two claims about money being transferred from XXXX account via a third party money transfers app one for the amount of {$4500.00} on XX/XX/2020 and on XX/XX/2020 for the amount go {$2500.00} that I did not authorize. I reached out to both parties and nothing was resolved. I also initiated a claim for both amounts. Both of my claims were denied without the proper investigation
Consumer complaint received 2020-09-17
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. (NY)

I am writing to dispute fraudulent charges on my account. I am a victim of identity theft. The charges on my account were not authorized. Please block and remove these accounts from my report, that any finance and other charges related to the fraudulent amount be blocked and removed. I am also requesting that I receive an accurate statement. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2020-09-17
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. (NY)

I am writing to dispute fraudulent charges on my account. I am a victim of identity theft. The charges on my account were not authorized. Please block and remove these accounts from my report, that any finance and other charges related to the fraudulent amount be blocked and removed. I am also requesting that I receive an accurate statement. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2020-09-17
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. (PA)

Initiated disputes via mail and online with Experian, providing proper identification documents, sent via certified mail # XXXX XXXX XXXX XXXX XXXX on XXXX. The online method issues auto responses without providing any information about how accounts were verified, even though the accounts still report inaccurate and missing information. 

The following accounts have been repeatedly disputed due to inaccuracies. The CRA has a pattern of denying my rights under the FCRA ( sect 611 ). They have reinserted inaccurate and incomplete information further depressing my credit scores. Experian has stalled my dispute process randomly requesting identification documents which they have on file and, were submitted with my disputes. 

The following accounts continue to report inaccurate, missing and unverifiable information : 1.  XXXX/XXXX  Account # XXXX : Date Opened XX/XX/XXXX : Account has missing information which the CRA will not update ; Highest Balance, balance. Request for immediate deletion. 

2. XXXX Account # XXXX : Date Opened XX/XX/XXXX : The account is missing its complete payment history. It is only reflecting 7 months of my payment history. Request for deletion due to incomplete information and failure to resolve within time allowed by FCRA. 

3. XXXX/XXXX  XXXX Account # XXXX : Date Opened XX/XX/XXXX : Account is missing balance which should read " XXXX '' /XXXX. It is left blank. Request for payment history verification due to inaccurate missed payment was not honored. Request for deletion due to inaccuracies. 

I have a right to complete and accurate information, or the accounts here must be removed immediately. I am respectfully asking them to comply with FCRA.
Consumer complaint received 2020-09-17
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. (IN)

The credit bureaus continue to report inaccurate accounts on my credit report after I disputed them accurately. Im attaching all the info with this compliant so they can stop illegally reporting inaccurate info
Consumer complaint received 2020-09-17
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. (IL)

I contacted the credit bureaus about inaccurate accounts on my credit reports. They claimed they investigated the problem but didnt solve it. Along with this compliant im attaching my recent dispute letters with all the information included sent to them.
Consumer complaint received 2020-09-17
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. (MA)

I have spent over a month calling this company and getting representatives that tell me hey agree they see my payment history and i should not have not one missed payment. They only thing I owe is excise tax, which i never got a copy from my town or the car company. When i call in i keep get a recording and i can not get an American representative one of the reps n the XXXX told me because there is an outstanding balance on the account which i do not owe! My payments are {$380.00} and i have been over paying for almost a year and a half to work on the excise tax as agreed by one of  their reps. They are also trying to charge me a XXXX late charge and i am not late! 

I am attaching all of my payment history which anyone can clearly see there is no late payment in XXXX of 2020 as being reported to the credit bureaus. I am totally exhausted from trying to rectify this matter on my own, I disputed, wrote letters, i made calls and they say they are going to correct my payment history but they do not. Please help me.
Consumer complaint received 2020-09-17
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. (TX)

XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$870.00} written off. {$870.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$870.00} Date XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeAuto Loan Balance {$7400.00} Date OpenedXXXX  Dispute XXXX XXXX potentially negative icon Potentially Negative StatusPaid in settlement. {$8800.00} written off. 
Account TypeNote Loan Balance- Date OpenedXXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeUnsecured Balance {$0.00} Date OpenedXXXX Dispute Item Reasons Additional Comments XXXX  # XXXX I have no knowledge of this account XXXX  # XXXX I have no knowledge of this account XXXX  # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2020-09-17
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliant Capital Management LLC (RI)

Received a phone call from a person at Alliant Capital stating that i owe them money for a payday loan with XXXX XXXX. I never took out this loan, and then they started naming my relatives stating i used them as references and then threatened to have the police arrest me. I never has anything to do with XXXX XXXX or Alliant capital