davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-07
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)

This information was previously disputed with TransUnion, and TransUnion continues to post this erroneous public record wich I dont recognize.the public record listed below, I have requested TransUnion provide me proof from the court and mail me the results of their investigation, TransUnion has failed to do so. TRANSUNION CONTINUES TO VIOLATE MY RIGHTS UNDER THE FCRA 623 ( a ) ( 1 ) ( A ), WHICH CLEARLY STATES THE CREDIT REPORTING AGENCIES HAVE A LEGAL OBLIGATION TO ENSURE THE ACCURACY OF INFORMATION THEY FURNISH, TRANSUNION HAS CLEARLY FAILED TO DO SO. I HAVE ALSO PROVIDED PFOOF FROM THE COURT THAT THE INFORMATION TRANSUNION IS REPORTING ON MY CRDDIT FILE IS INACCURATE, HOWEVER TRANSUNION CONTINUES TO VIOLATE MY RIGHTS AND NOT INVESTIGATE THIS MATTER. TRANSUNION CONTINUES TO SEND COMPUTER GENERATED RESPONSES EVERY TIME WITHOUT PROVIDING ANY PROOF THIS ACCOUNT BELONGS TO ME. I HAVE ATTACHED EVIDENCE THAT TRANSUNION IS IN VIOLATION OF THE FCRA, AND HAS FALSIFIED INFORMATION TO THE CFPB AND MYSELF. NOW IS NOT 5HE TIME TO UPDATE, I DEMAND THE FOLLOWING ACCOUNT BE REMOVED IMMEDIATELY : XXXX BANKRUPTCY/DOCKET NUMBER XXXX.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I've been writing letters to correct my name and addresses, but as of today, they are still present in my most recent credit report.If these inaccurate names and addresses are not deleted, I will submit a XXXX  complaint.
Consumer complaint received 2024-02-11
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group (VA)

This company is attempting to collect a debt which been sold in order for the seller to circumvent arbitration and it's proceedings. There is no sell or trade of the factual account in the originated arbitration just information such as phone email text buy no mention of selling the debt to a XXXX  debt collector.
Consumer complaint received 2024-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (FL)

Please see the attached letter to PNC dated XX/XX/XXXX regarding a sophisticated employment scam that emptied my checking and savings accounts in XXXX of XXXX. The total amount of money lost was {$14000.00}. 

I am also including the description of the event and the response from PNC. This scam has ruined my life. I almost lost my house, I missed credit card payments, and I had to enter a debt consolidation program. My credit score plummeted to XXXX.
Consumer complaint received 2024-02-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (FL)

I signed up for automatic payments on XX/XX/ after their last fiasco of not being able to handle my previous monthly payments I made myself. And they STILL CAN NOT GET THAT CORRECT. I show past due because they cant auto debit correctly. This is ridiculous. Your company is supposed to help us and its just the same old thing OVER AND OVER. Why have they not corrected this? Do I need a lawyer? I mean Ive sent in a previous complaint regarding this company and you guys just closed the complaint. Do not close my complaint until you get resolution. Im tired of filing complaints to you for nelnet being derelict in duties.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (OH)

I have sent a certified letter to I. C. Systems and XXXX asking for debt validation and letting XXXX know that they didnt do a status change its illegal for an account to say collection and have a past due balance. Attached in this file I will have the Certified letter I sent to I. C. Systems and the XXXX. I have not received a response back from I. C. systems regarding the account that is being reported on my credit report. Also I. C. Systems does not carry a license to operate In Ohio. I received a letter from XXXX saying that the account was verified but I was never sent any written documentation showing that account is mine. So how was it verified? Per the fair credit reporting act I have the right to dispute these items being inaccurate on my report in section 319. I also did not give my consent for this per Section 604 15 U.S.C 1681B, Section 605 A 15 U.S.C 1681 C-1 and Section 605 B 15 U.S. C 1681 C-2.
Consumer complaint received 2023-01-06
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. (IA)

The following credit inquiries currently listed on my Trans Union, XXXX, and XXXX credit report are unauthorized and not my credit inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX. XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX. XX/XX/XXXX, XXXX XXXX XXXX, XXXX. XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, and XXXX XXXX, XX/XX/XXXX.
Consumer complaint received 2020-08-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (CA)

I first called XXXX XX/XX/2020 to have them make a thorough investigation of my previous account with them to make sure if any payments were owed. They said my accounts were closed with no payments needing to be owed. 

I followed up with to inform them of my status with XXXX & kindly asked if they have any proof I'd still be happy to take care of the payment but if there isn't any please address. 

Credit Control Corporation Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX Hours : Closed Opens XXXX Wed Phone : ( XXXX ) XXXX - Aggressive, Rude, Short. No attempt to discuss and provide proof of what I need to pay.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (FL)

I am a victim of fraudulent information reporting and I am filing this complaint to WELLS FARGO CREDIT SERVICE. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2022-11-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery Associates , LLC is attempting to collect an alleged debt owed. I never extended my credit and entered into a credit transaction with them. There is no contract in existence baring a signature of me extending my credit to Portfolio Recovery Associates , LLC. They have falsely represented themselves and furnished deceptive forms to deceive and coerce me into paying an alleged debt owed. Portfolio Recovery Associates , LLC also has caused damage to my reputation and violated my right to extend credit by furnishing false and deceptive information on my consumer report
Consumer complaint received 2022-11-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber (CA)

Grant & Weber has been trying to collect on a medical debt on behalf of XXXX XXXX for the balance of {$1000.00} to which they are not owed. I have asked them to provide written proof of the debt and they sent me a copy of a bill which is attached. I have at no point and time entered into an agreement to pay XXXX XXXX any money for any services. I have at no point had any medical procedures done to my face, ears or eyelids as the paperwork they have sent seems to suggest.
Consumer complaint received 2022-11-07
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Tesla, Inc. (CA)

On XX/XX/XXXX, they called me at XXXX XXXX at XXXX. I do not owe them. I filed bankruptcy in XX/XX/XXXX. They keep trying to call me and have not picked up their equipment.
Consumer complaint received 2023-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Recently I went on to a couple car sites and used their prequalified method to see if a Vehicle I like what my rates would be. Long story short these people have shopped my report to Multiple places and now people are calling me to purchase a car. This is violation or my credit report and personal information being shopped to vendors without my consent nor knowledge. Please delete the state inquiries below, 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  XX/XX/XXXX I never authorized any of these credit inquiries on my report.
Consumer complaint received 2020-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MD)

I am enclosing my dispute information in the pdf. As of XX/XX/11 Citibank has again sided with the merchant but has not provided me with any documentation electronically ( email, website etc. ) or otherwise as to the reason why or the documents that merchant supposedly made available to them or its response.
Consumer complaint received 2020-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I keep sending them proof of insurance they seem to never get them? I send them two copies already and they said they didn't get it? I sent them copies of the HOA master policy with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Ca XXXX XXXX. It states XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX # XXXX. My personal is with XXXX XXXX XXXX # XXXX phone # XXXX. 

My mortgage company is Shellpoint XXXX. XXXX XXXX XXXX Mi XXXX Phone XXXX loan # XXXX I feel they keep doing this thinking if they do it enough I will forget and they will charge me anyway.
Consumer complaint received 2022-11-07
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: Amsher Collection Services, Inc. (TX)

This company is claiming that I owe a debt, but I have never had a relationship with Amsher Collection. They are illegally reporting an incorrect account to the credit bureaus, and this is affecting me tremendously. I sent a letter on XX/XX/22 requesting validation, but this request fell on deaf ears, yet it is still on my credit report. My question is why have I yet to receive any validation of this account? The balance is not the same balance I have with the original creditor, so I am confused as to why this company is saying that I owe the stated balance on my credit report. Due to the fact that you've not legally verified this account and have allowed for incorrect and possibly fraudulent information to continue reporting on my credit file, you are required to remove this account immediately from my credit report. If I am forced to take this to court and hire an attorney, I will be seeking {$2000.00} per violation. I will attach the letter that was sent 2 months ago.
Consumer complaint received 2022-11-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Credit Management, Inc (TN)

I pulled my credit report and noticed XXXX XXXX from Professional Credit Management. I was unfamiliar with the debt so I reached out to them to get more information. They noted some medical bills. XXXX was very old from XXXX that I don't recall. XXXX others were from during the pandemic in XXXX. I asked for an itemized statement and they sent me a collection letter with XXXX line items noting only the original creditor and amount due. I then contacted the original creditor to get additional details. The agent there said that one of the bills in question did not match my identity information she had on file. She was unable to provide much more information. I called the collection agency back and informed them that I was questioning the validity of the bill. During the time in question, I was pregnant and on state provided XXXX. I should not have been responsible for any medical bills at all. However, in talking to both the original creditor and the collection agency, neither can prove that the debt does in fact belong to me. They want to keep putting the responsibility on the other to rectify. I have disputed with the credit reporting agencies to no avail.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-09-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PNC Bank N.A. (DC)

PNC Bank informed me I needed to settle a credit card payment. I was able to successfully settle this with XXXX XXXX and Im requesting that my credit report be returned to its previous status and that the delinquency notice be removed.
Consumer complaint received 2022-11-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation (PA)

An unpaid co-pay of {$25.00} was sent from XXXX to Penn Credit Corporation. 

I sent them a check immediately. 

I have a copy of the cancelled check. 

They have continued to mail me threatening notices and made frequent calls to my cell phone. 

I have written to them, including a copy of the cancelled check, to prove that the debt os paid.
Consumer complaint received 2022-11-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (WI)

Cfpb disappointed in your level of service & support of XXXX, XXXX borrowers like myself. On two separate occasions I have FILED COMPLAINTS with CFPB identifying REAL complaints against specialized loan servicing. Complaint # XXXX & # XXXX for XXXX # XXXX. The LOAN business & financial products ARE full of biases AGAINST XXXX NOT too mention the XXXX XXXX XXXX XXXX WHICH practice XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 
These issues WHICH I brought to your attention HAVE not been " FIXED '' IN XXXX NOR in XXXX. This complaint process is little MORE than a red flag for companies LIKE XXXX  XXXX XXXX whom issued ( me ) a XXXX XXXX loan on XXXX. Then began increasing INTEREST RATE & Payment in XXXX. Only two years after modification began. In XXXX, I was provided a LOAN modification with the SERVICER SLS loan XXXX & new payment WAS too begin on XXXX for {$910.00}. Instead of this payment AMOUNT which I agreed too, my payment was @ least {$1100.00} per month & I made new complaint # XXXX. The company ( SLS ) MAILED a letter in XXXX, XXXX agreeing to " Resolve '' issue in ( 15 ) business days. YET, XX/XX/XXXX I am filling a NEW complaint. 
Instead OF ONLY filling this complaint WITH your organization I WILL be ALSO contacting the XXXX XXXX XXXX too notify them of my displeasure. Again, my XXXX complaint servicer should NOT have been able to increase my payment for @ least ( 5 ) years NOT 24 MONTHS. SECOND complaint with CFPB notified them if A {$200.00} per month increase on agreed upon payment & SLS agreed to resolve in ( 15 ) business days of XX/XX/XXXX. Issues STILL not RESOLVED. DOCUMENTATION TO FOLLOW.
Consumer complaint received 2020-09-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SRA Associates, Inc. (DC)

XXXX XXXX  informed me I needed to settle a credit card payment. I was able to successfully settle this with SRA associates and Im requesting that my credit report be returned to its previous status and that the delinquency notice be removed.
Consumer complaint received 2023-03-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TransferWise Ltd (VA)

Dear Consumer Financial Protection Bureau, I am writing this letter to file a complaint against Wise.com. The XXXX of XXXX Wise.com closed my account without any warning or notification. Although I accept the closure of my account, I strongly request the return of my funds of around XXXX XXXX 

I was shocked by the sudden closure of my account, especially without any prior warning or notification. Additionally, I had no idea what terms and conditions I had violated. I had always complied with the platform 's rules and regulations. 

Therefore, I am writing to request your intervention in this matter. I believe that Wise.com should be held accountable for their actions and should return my funds. I kindly request your assistance in resolving this issue as soon as possible. 

As stated, my account with wise can remain closed. I only want my funds out. 

Thank you for your attention to this matter. 

Sincerely,
Consumer complaint received 2022-11-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (FL)

Rec 'd an email from Citibank XXXX regarding a Tiered Bonus Checking offer. It stated to call & open an account. They will set it up. Called XXXX XXXX spoke with XXXX about the details. We verified several times during the conversation that it was for the Tiered Bonus Program. If we deposited {$200000.00} by XXXX & leave it in 60 days that within 90 days later {$1500.00} would be deposited into the checking acct. Rec 'd the " welcome package '', returned the signature card and transferred the money. Called on XXXX & verified we were all set up for the Tiered Bonus program, we were also told that on XXXX the wait period will end & the {$1500.00} would be deposited within 90 days as stated. XXXX called about why the {$1500.00} was not deposited was given a " ref # '' & told to wait 5 business days. Called XXXX spoke to a " supervisor '' given a new " ref # '' he said we weren't a " targeted customer '' but couldn't tell us why or what that meant. He was going to " change the code '' to help us get the {$1500.00}. Called XXXX told " didn't get entered into the program correctly '' so we wouldn't get the {$1500.00}. XXXX called a branch in XXXX, Fl. spoke with XXXX XXXX, a manager. He said " no offer code '' was applied " wait 10 bus. days & that he would call back with a decision '' XXXX 12 days later we emailed him, no response. XXXX he emailed & said he was waiting on the promotional dept. for an answer. XXXX after no response from him we emailed him & said it appears that Citibank wasn't going to honor their commitment & that every time we have inquired about why the {$1500.00} was not funded, we were given at least 4 different excuses. We also said we would be cancelling our credit card that we've had since XXXX  along with pulling our {$200000.00}. We told him we would be contacting cfpb of how Citibank did not honor the Tiered Bonus checking offer that they solicited us about. It borderlines on a scam. XXXX called a branch in XXXX, Fl. to get checks as originally promised & never rec 'd to withdrawal our {$200000.00}. We would never have transferred {$200000.00} into a bank that paid zero interest in 10 months.
Consumer complaint received 2020-08-04
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. (FL)

AFTER REVIEWING MY CREDIT REPORT, I HAVE DISCOVERED INACCURATE ITEMS ON MY CREDIT FILE THAT DOES NOT BELONG TO ME AND THEY HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT. I HAVE MANY BUSINESS OPPORTUNITIES AND I WONT BE ABLE TO GET ANYTHING DONE WITH FRADULENT ACTIVITY ON MY FILE. I HAVE ATTACHED A CREDIT REPORT HIGHLIGHTING EACH ACCOUNTS WITH INACCURATE TRANSACTIONS. PLEASE HAVE THOSE ACCOUNTS REMOVE AND PERMANENTLY DELETED OFF MY CREDIT REPORT.
Consumer complaint received 2022-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion failed to do a proper investigation into a dispute reinvestigation That I previously requested, to date TransUnion has not done any investigation into this matter, however they stated in a previous CFPB complaint that they did ( that was a false statement ). On XXXX, XX/XX/XXXX and XX/XX/XXXX TransUnion has not sent me a response or update. TransUnion did not do a proper investigation as required by the FCRA. I have attached evidence to this complaint showing TransUnion never investigated nor updated my credit file, I have also attached a court document showing the account on my credit file is invalid. I DEMAND THE FOLLOWING ACCOUNT BE REMOVED IMMEDIATELY FROM MY CREDIT FILE : XXXX XXXX DOCKET NUMBER : XXXX.