davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

Pursuant to 15 USC 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. Wouldnt I be considered allegedly obligated to pay the debt listed below? Technically debt is a twofold word, it is any obligation or an alleged obligation and you can't choose both. Equifax Information Services LLC is basically making it an obligation for me to pay on adebt without my direct consent. I, XXXX XXXX, the consumer never gave Equifax Information Services LLC any written consent to report anything on my consumer report. No consent is Identity Theft.
Consumer complaint received 2023-05-02
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. (IL)

Under USC 1681g, I request that you remove these fraudulent accounts from my credit report within 15 days. These accounts do not belong to me and I have no knowledge of them. I have attached the necessary documents for your review. Thank you
Consumer complaint received 2023-06-01
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 (LA)

Hi there, on my credit report, XXXX shows that I have an open dispute with Capital One for an account that has a XXXX balance. When I call XXXX they say that there is a flag from Capital One is why they can't remove it instantly and that they have to open a dispute in order for Capital One to remove it. Can someone please help me? I am in the closing phase of purchasing a home and this is hindering the process please.
Consumer complaint received 2023-06-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (CA)

I had a business checking account that went sideways. The account was closed and there was an outstanding balance of roughly {$2500.00}. This was paid in full last month at a local branch and I was told that this would satisfy the account and the negative reporting would be removed/reversed. I have since tried opening accounts with Wells Fargo and other banks and was declined - Since the negative reporting is still in effect. 

I have talked to two reps at Wells Fargo who basically stated the " I can never bank with Wells Fargo again. '' But this is not I was told in person at the branch. 

Please advise!
Consumer complaint received 2023-06-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (MD)

I had a free community business checking account with XXXXXXXX XXXX XXXX XXXX was purchased but First National Bank. I was told everything would stay the same with my free business checking account. First National set my account up as a Non-Profit Checking account and has charged me monthly for this account. I have called my local office as well as the main office to try to get this fixed. Every time I am told that they will make a change and credit me back the charges. I have been calling monthly for 9 months, this is when they started charging me {$12.00} per month for the Non-Profit account that I never signed up for. I don't have a non-profit business. Each month, I believe that they are fixing the problem and I will see the credit but instead the charge hits my account again. Each month, I have to sit on the phone with them again and go through everything with someone else who promises me it will all be fixed and someone will follow up. The charges as of XX/XX/XXXX are {$120.00}, the {$12.00} per month has been taken from me starting XX/XX/XXXX.
Consumer complaint received 2023-06-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A. (AL)

Iam making payments to my mortgage company through PNC Bank account, system of mortage company accidently double charged me, called them they said you can open dispute by your bank, I did till now didn't resolve this put me in very bad situation can't deposit or pay my bills because of - {$1600.00} put me in hardship, I just need resolve this dispute with PNC bank ASAP. 
Thanks
Consumer complaint received 2023-06-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

SLS ended up pulling the XXXX payment on XXXX as originally requested. This is fine and we do not want any changes to this going forward to avoid causing even more issues. However, since their system incorrectly stated, even as of yesterday XX/XX/XXXX, that they would not pull the XXXX payment until XXXX, we made the XXXX payment early on XX/XX/XXXX, incorrectly assuming that this would result in the XXXX ACH being applied to the XXXX payment. The portal shows that the {$950.00} mortgage payment was reversed on XX/XX/XXXX. We have no idea when and how we will receive this reversed payment. The issues with their portal almost caused our account to be overdrawn. 

They need to make sure that their system is actually updated to reflect correct information. This is a follow-up to CFPB complaint XXXX. 

I have attached a screenshot showing the XX/XX/XXXX {$950.00} reversal.
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2022 Transunion dropped my credit score down XXXX points for no reason at all. No changes were noted in my report no late payments etc. I went from XXXX to XXXX over night. XXXX also dropped my score down XXXX points on XXXX XXXX 2022. Again with no explanation or noted adverse changes. My score went from a XXXX to XXXX. I dont understand how my scores could change so much with no late payments repos evictions collections or anything.
Consumer complaint received 2023-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc. (FL)

I have contacted the company and emailed and called a supervisor named XXXX XXXX XXXX who refuses to respond. I sent him proof that the case was dismissed by the court and the company is refusing to stop collection efforts.
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

I lived in the same apartment from XX/XX/XXXX to XX/XX/XXXX. It was called the XXXX from XX/XX/XXXX-XX/XX/XXXX. In XX/XX/XXXX it was purchased by another company. All of my rent payments were made on time, and I owed nothing to the XXXX. 
In XX/XX/XXXX, I discovered that a collection agency ( XXXX ) had put on my credit reports that I owed the XXXX {$6600.00}. 
The company that took over the XXXX, known as XXXX ( XXXX ), attempted to double-bill me for rent on XXXX occasions ( in XX/XX/XXXX - XX/XX/XXXX ). Each time I presented a cancelled check, and was told " there must have been a mistake. '' [ Side note : dozens of other tenants at the apartment complex also complained of being double-billed. ] XXXX ledger, which I asked be provided to me, shows my rent payment being credited to another tenant on XXXX occasion. On XXXX other occasions the ledger shows my rent paid on time, yet being charged up to {$250.00} in late fees per month, of which I was never informed ( this over the period of more than a year ). 
I have never been informed that I owed money - late fees or otherwise - or I would have approached the property management and have it straightened out immediately.
Consumer complaint received 2022-12-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

I never received any communication from the debt collector. National Credit Systems reported the debt on XX/XX/2022 and began negatively impacting my XXXX XXXX. 
Once aware I tried to log in to their portal to get more information ( using my SSN and the amount reported on the credit report ) and there was no additional information available for me.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMO Bank, N.A. (CA)

Two of the three credit reporting agencies ( XXXX and XXXX ) still improperly show a debt in collection that I do not owe. I have attempted resolution with a prior complaint ( XXXX ) to no avail. 

In 2018 a " XXXX XXXX XXXX, XXXX '' placed a collection debt on my credit report -- I was never notified of it otherwise. As a result I contacted them to resolve -- I had no unpaid debts to my knowledge. At the time they just Identified Bank of the West ( BoW ) as the creditor to which I explained that I had recently resolved a bank error and there should be no negative records ( backed up by letters from the bank and a corrected XXXX credit report ). They gave me no more information and they refused to change the report. I then filed the first CFPB complaint ( above ). 

Only in the their written response to the CFPB complaint did they identify the debt as associated with a checking account at BoW ( at the time, joint with ex-wife ) that has long been closed. I had no known debt from any checking account anywhere. So I set out to research and find the source within BoW and to contact the local branch where the account was held to verify the activity. After four ( 4! ) years of communications and efforts they have never been able to identify any debts/fees owed by me to the bank nor any records of the account being delinquent. I, of course, offered to pay in full if that was the case. They have in fact stopped communicating on the matter. Email trails of communication with customer service person and bank manager attached. 

This XXXX XXXX XXXX debt is false and not mine. I was never notified by any entity within BoW -- despite extensive efforts on my part to research and find it -- of any debt or fees owed. I have tried for four years, from the banks central records to the local bank manager to find a record of the debt and have even offered to pay it if verified, all to no avail. 

This is not reflective of my credit worthiness ( the correct credit report XXXX has my XXXX XXXX at XXXX ). This record of delinquency should be removed from my XXXX and XXXX credit reports with no negative reporting immediately.
Consumer complaint received 2023-06-01
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: L.B.Gray LLC A Debt Collection Agency (KY)

I moved from XXXXXXXX XXXX in XXXX and broke my lease on good terms. I moved out of state and they agreed to keep the security deposit, as I was breaking my lease. They also agreed that I left on good terms and the apartment was in good standing. Since then, they have been under new management several times. Back in XXXX, I was moving into an Apartment who said that it was on my rental history and that I would not be able to move in until that was resolved. I called XXXX XXXX at that time and sorted it out and they sent an email to the Views at XXXX XXXX ( the new apartment I was moving into ) to let them know that it was a mistake and I didnt owe them anything. I was able to move into the new apartment because of that email. I didnt hear anything else about this and have lived in several places since XXXX. I didnt know it was an issue until I recently applied to a new place. Thats when I was alerted to this on my credit, stating I owe {$2500.00}. I called XXXXXXXX XXXX  again. They are under new management and the woman I spoke to claims my file is vaulted. She said they have limited notes to view on my file. The manager said they are unable to do anything regarding my dispute of their error. I spoke with Lb gray, the collection agency they are using. That was XX/XX/XXXX or XXXX. I let them know that I never received a letter. They said they mailed one out last summer. I definitely didnt receive it, though. I let them know that Im currently disputing this with the credit bureaus and they said they can not do anything to help me until that is settled.
Consumer complaint received 2022-12-09
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)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items will be deleted immediately. 
XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (AL)

I had my wallet stolen at XXXX with all my identification and information. I have reached out to this company several times trying to dispute this. This eviction has caused me not to be able to get a decent place to stay for my family. I have lived in shelters, low income housing that's rat infested, and jumped from family to family house.They sent me a letter stating that the debt will be XXXX to settle. When I checked my report it went up to XXXX. When I called about this debt the lady was very rude. She hung up in my face several times and told me that it will keep going up if it's not paid. I have contacted this company from XXXXpresent. I have every letter and signature from this company I sent.
Consumer complaint received 2023-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (CT)

I have made 2 attempts to pay my credit card on XX/XX/XXXX and XX/XX/XXXX, through the company 's app. weeks apart. In both occasions there were funds in my account even if it did take 3 business days to process, funds were there. I have received o notice on the app that both payments were being processed. Then I received a negative remark on my credit that I did not pay. When calling the bank, they stated there were no attempts. When I called first progress they disclosed that they had no control over the app at all which is false advertisement. I am trusting that this app should take the money out when reported to do so and report accurately to the credit bureaus. Making payments with this company is extremely hard and its a deformation of my character to say that I have not pain when in fact I have the receipts ( from the app ) that says otherwise. They are not taking the money out when they need too and processing time is too long, and they are lying on when they attempted.
Consumer complaint received 2023-06-01
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: PNC Bank N.A. (NC)

In XX/XX/XXXX, initiated settlement on a equity loan account ( House in lien for this account was foreclosed on XXXX ) with PNC Bank thru PNC loss and mitigation ( LM ). 
As of XX/XX/XXXX, all application and documents were filed. It was confirmed by LM and confirmed that the account will be stopped and closed. 
As of XX/XX/XXXX, settlement offer was received from PNC. All payment was made as of XX/XX/XXXX and on XX/XX/XXXX, received official letter from bank on receipt of payment and settlement in full with bank ( document available ). 

However, on my credit report from all three credit bureaus were showing as from XXXX XXXX to XXXX. XXXX as " Late Payment '' and from XXXX to XX/XX/XXXX as " Charge Off ''. 

I tried first to talk to bank on this wrong credit report, but they would just keep transferring me to different departments, not willing to work with me. 

Then, I filed dispute this first thru XXXX and XXXX corrected all these incorrect information after reviewing my dispute and filed documents. 
Afterwards, I filed dispute with XXXX, but XXXX agent is saying even though all information is clearly showing it was incorrect, they need to keep it because that is what the bank says it is. I haven't received any results from XXXX, yet.
Consumer complaint received 2017-04-03
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: GREAT LAKES (ND)

In XX/XX/XXXX I attended the university XXXX school on line. However to do the classes I had to get a student loan, which at that time I got approved for. Having said that I was approved for an amount that should pay for the entire cost, but it turns out not to be the case. XXXX more classes to finish the entire cost I was told that I do n't have anymore money so I will have to pay out of my pocket if I want to do the last XXXX classes. Something did n't feel right so I never get to finish my degree up to this day. Then one day I heard the school is under investigation, and the following day I had some one called offering me a student loan forgiveness and I will not have to pay back the loan. I did n't take the deal because I knew nothing about it or if it was a scam just so they could get my information. I was never able to make the high monthly payments they were asking for so they ended up putting me on forbearance. We are in XX/XX/XXXX and up to now each year I have to be on forbearance, because I ca n't afford the payment. I even filed for bankruptcy hoping that they will remove it, since they are under investigation but they did not an the total just keeps getting higher and higher with interest accumulated. This is now on my credit report causing lots of damage.
Consumer complaint received 2023-06-01
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma (TX)

Yes on XX/XX/XXXX and XXXX mo ey was taking out my credit karma account from XXXX which I never authorized got refunded back but on XX/XX/XXXX credit karma lock my account to where I can't withdraw fund or anything just get direct deposit I been waiting patiently for them to unlock it to access my fund but nothing yet and I need to pay bills
Consumer complaint received 2022-12-22
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. (LA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Thaxton Investment Corporation (IN)

I was reading on the settlement for XXXX. I wonder why you haven't gone after a company like Heights Finance for similar practices. I had a loan with them several years ago and when I got to the office to sign it already had every kind of insurance product on it, including their home and auto. It wasn't discussed with me at all. When I said I didn't want it, they told me it was already part of the loan. I ended up calling and cancelling the coverages, but I didn't get any interest refunds. I feel like XXXX 's practices seem far superior to Heights Finance. I have even had my ex-husband and step-son get loans with Heights Finance and they did the same thing with the Auto plan. At least with my step son the first time he got a loan with them, they told him he NEEDED the auto plan in case he hit someone with his car, it would help him with it? Really??? Scare tactics? So why CFPB aren't you looking into companies like this?
Consumer complaint received 2023-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (PA)

I was the victim of abuse and financial exploitation of a vulnerable adult and several accounts were opened in my name while I was XXXX 

Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of XXXX XXXXXXXX and the abuse of a XXXX individual as documented in APS reports. 

I have had to flee XXXX miles with my XXXX child and these issues are hindering my ability to house my XXXX child and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. 

The proper law enforcement ( APS ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. 

Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. 

Please remove these accounts from all three reports as I am not legally responsible for them as I was XXXX XXXXunder duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation.