davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX finance has reported my balance incorrect since XX/XX/XXXX showing I owe XXXX the amount I purchased the car at, can this matter be updated correctly, as they haved reported on time payment 's every month but the balance does not reflect that. ( Year XXXX XXXX ) also I have attempted to get this matter resolved with them, and unable to get this understood. 
I was giving a reply they charge a interest per day this just does not seem correct
Consumer complaint received 2022-11-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MI)

My FHA mortgage is with Wells Fargo. They have a home preservation program where you can have payment forbearance. I had XXXX months of payment forbearance, but when it came time to start payments and repaying the months of forbearance I was not able to pay the XXXX months back. So I'm trying to work with Wells Fargo and I can tell you they are the worst people I have ever had to deal with in my life. They give me no feedback, they don't take my calls, I have to speak to somebody new everytime. The story is different everytime I speak with yet another new person. They flat out lie about everything. I'm quite sure they are trying to just drag this out to XXXX XXXX when I am put into foreclosure. I have until XX/XX/XXXX to get this settled. Well its gotten where I get nothing but a runaround when I manage to speak to somebody, or my phone seems to be on some sort of an electronic XXXX list when my calls are not answered at all. I feel powerless and hopeless at this point. If there is a class action lawsuit that I can get in on I'd be more than happy. I'm so stressed out, I have health issues. This company is evil just pure evil.
Consumer complaint received 2020-09-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: We Collect Inc (WA)

I received services at the XXXX XXXX on our about XXXX. During that time I became unemployed and was eligible for insurance through the state. I amassed {$1000.00} in medical bills and advised the XXXX XXXX that I was covered by state insurance but XXXX XXXX refused to bill secondary insurance. They sent the account to Atlas Financial Services and I received court documents on XX/XX/XXXX that I was being sued for {$1900.00} which was an additional XXXX dollars over what I owed. After calling up the collection agency and attempting to make an agreement with them I was then advised that the case was dismissed due to XXXX XXXX XXXX failure to bill the secondary state insurance which would have covered the entire bill.
Consumer complaint received 2017-02-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

SPS has taken advantage of us twice. We are 3-4 months behind on payments because they messed up on a MOD that they will not correct. I have written a letter to XXXX XXXX today letting him know we want help.We just want them to correct their mistake and catch up out payments. They raised our interest rate 1.5 % in a new MOD. We didnt find that out until we made our trial payments. When we complained we went into review. Nobody told us to make payment while in review. Long story short if they would listen to their recorded calls theyd know they caused this. We 've been taken advantage of enough! Im tired of trying to catch these payments up with NO help!
Consumer complaint received 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

So I hada car loan with XXXX and paid it on time for 4 years as a lease  car and then turned it in and got another car. XXXX is saying that they billed me for a ding in the car of {$250.00} and I never got the bill and then reported me late. they said they called me 20 times but when i asked for the phone number they were calling, they had the wrong number it was one digit off from mine. So i never got any mail or calls regarding this. I had moved prior to all of this happening and then. I asked the car dealer XXXX for their records from the lease  and they told me they dont keep records. 

There actions of the wrong number and wrong address caused my score to drop and my credit score went down. I am not happy
Consumer complaint received 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

So I hada car  loan with XXXX and paid it on time for 4 years as a lease  car and then turned it in and got another car. XXXX is saying that they billed me for a ding in the car of {$250.00} and I never got the bill and then reported me late. they said they called me 20 times but when i asked for the phone number they were calling, they had the wrong number it was one digit off from mine. So i never got any mail or calls regarding this. I had moved prior to all of this happening and then. I asked the car dealer XXXX for their records from the lease and they told me they dont keep records. 

There actions of the wrong number and wrong address caused my score to drop and my credit score went down. I am not happy
Consumer complaint received 2020-09-29
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: CCS Financial Services, Inc. (OH)

There are some accounts on my credit report that are not mine and reporting twice and believe this is an act of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). 
The following accounts are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCREDIT COLLECTION SERVIC # XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-09-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (IL)

Hi! I'm writing in regarding a recent issue with Wells Fargo and XXXX, of which my Wells Fargo account is connected to, and a case of easily preventable fraud. 

The afternoon of XX/XX/XXXX my email was hit with a spam XXXX and I noticed a suspicious email from XXXX noting my email had been changed, amongst about 1000 other spam emails. 

The afternoon of XX/XX/XXXX I contacted XXXX and my account was frozen. I also contacted Wells Fargo to prevent any transactions from my linked checking account to XXXX, and on XX/XX/XXXX a stop order was put in to stop any transactions from Wells Fargo to XXXX, with a reference number of XXXX On the XXXX of XX/XX/XXXX I woke up to some alerts through my credit monitoring service, XXXX, that my Wells Fargo checking account had gone negative, over drafted from the linked Wells Fargo savings account, and that I was charged an overdraft fee. This was from two fraudulent transactions from XXXX, for {$1300.00} and for {$1700.00}. I immediately called Wells Fargo to report the fraud and then again called XXXX, though they are not taking phone calls given COVID, so sent an email with the above information and am yet to hear back a resolution. 

On XX/XX/XXXX I officially filed a dispute with Wells Fargo and am hopefully in the process of filing a dispute with XXXX once they return my message. 

I did want to lodge a formal complaint here. I'm not sure how the ball could have been dropped in this case to such an extent, by both companies, given my accounts were supposedly frozen, or at least the transactions restricted, on both ends, and the transaction wasn't until a few days later. 

I hope that information helps and thank you for all that you do.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2022-11-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WESTERN UNION COMPANY, THE (WI)

1. XX/XX/XXXX - I sent {$200.00} to XXXX XXXX XXXX in the XXXX via Western Union with MTCN # XXXX and they confirmed transfer via email at XXXX 2. XX/XX/XXXX ( XXXX ) - another email was sent that the delivery method for the transfer was updated which will not be sent to receiver 's bank account instead of picking it up. 

THIS IS WHEN IT ALL STARTS. 

3. XX/XX/XXXX ( around XXXX via mobile phone call ) - This was my first call to check up on the transfer because he was never able to pick it up. They mentioned the following phrases/words/sentences that I just wrote down : - on XX/XX/XXXX, the bank that was supposed to receive the money rejected it - Western Union has to request for a manual rejection from bank where money was supposed to be sent so it will go back to Western Union - " under investigation '' - they created a case/complaint # XXXX 4. XX/XX/XXXX ( around XXXX ) - I called back again and talked to someone named XXXX under their " Concern Department '' and she said that this concerns the " digital payments team?!?!? '' and that they will request for the manual process on the bank that was supposed to receive the money to REJECT the money AND that it will take " XXXX days for the money to be returned back to my bank account '' after I receive an email acknowledging the process. I never received an email! 

5. XX/XX/XXXX ( around XXXX ) - talked to someone named " XXXX XXXX and he said that it is already " UNDER INVESTIGATION ''?!?!?!? and that the " RELEVANT TEAM '' is on it! and I will get an update within XXXX business days and that I can call back if I don't hear anything ( THEY SAY THIS ON EVERY CALL AND I NEVER GET AN UPDATE!!! ) 6. XX/XX/XXXX ( around XXXX ) - i talked to someone named " XXXX ''?? and these were the things/words/phrases he mentioned ( i can't really understand with the heavy accents ) : - " back office team '' - " a different department handles this '' - " working offline '' but that he said he escalated it and i will get an update within XXXX hours and of course I NEVER DID 7. XX/XX/XXXX ( around XXXX ) - they just keep telling me the same thing over and over again, which is what is on their script I assume. So I told them if I don't get my money back, I am calling the Consumer 's Protection Agency. And here I am because even though they sent and email ( on XX/XX/XXXX AT XXXX ) acknowledging this transaction and even said, " we are DELIGHTED to assist you ... and that their bank processor has confirmed that the transaction has failed and they they will proceed with the refund, I never got the refund at all ... that was XXXX BANKING DAYS AGO... 

Please help.
Consumer complaint received 2022-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

Dates are vague as i dont know the exact dates, but Capital One has each call on file. 

Back in XXXX, I began efforts to repair my credit and pay off debts that I owe to Capital One [ CO ] and other companies. At the time, I had XXXX cards with CO both of which i paid off. Both had been past due for months and charged off. XXXX of them closed and disappeared. 

The other, last XXXX XXXX, never closed but to this day remains " Restricted ''. I called CO earlier this year ( XXXX ) around XXXX i think, maybe XXXX, asking what Restricted meant and what i could do about it. 
They gave me vague information and didnt really explain it very well. But made it very clear that they couldnt do anything on their end and neither could i. 

I asked them to simply remove it from showing up on my app ( i have a secured card with them at this time that I use regularly ), but they couldnt even do that.
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: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX has an automated phone response system that doesnt give due dates and says vague statements like upcoming amount due that doesnt match car payment amount. It offers the option to speak with associates who refuses to give you information and only requests payment. XXXX I checked my checking account and noticed I hadnt made a payment and paid immediately. XXXX I was notified by the credit bureau I was reported 30 days late. I contacted XXXX to ask why it was reported after I paid and asked for a supervisor and was told to call back to leave a voicemail but was routed to another agent. I asked for a supervisor again and was transferred to another agent. I repeatedly told the agent that I did not understand the billing because he offered to take a payment for less than the regular payment amount and asked for explanation and he refused to answer and asked for a payment again. I was setting up the payment he requested and asked him to explain the billing and he implied he needed to set the payment before he explained. I called later in the day XXXX in hopes to get a different agent to get an explanation but I got the same agent who said at the end of the day you have to pay. I dont know how far or how much I am past due because they refuse to tell me. I want the 30 day delinquency removed from my credit report because they do not make this information easily accessible or easy for the consumer to understand.
Consumer complaint received 2020-08-12
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. (IL)

XXXX and TransUnion have been reporting these fraudulent accounts under my name XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Consumer complaint received 2024-02-03
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: National Credit Adjusters, LLC (MN)

this debt collector engaged in abusive, deceptive, and unfair practices which the FDCPA prohibits. They furnished this account that we didnt agree upon and i didnt sign an agreement on. A legal contract is signed by XXXX parties and i did not participate in any signing. Also they didnt follow the proper XXXX step validation process which makes this an unfair practice. According to the XXXX entitled to XXXX USD per violation and clearly they violated my rights.
Consumer complaint received 2022-11-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

In XXXX of XXXX, my personal loan from XXXX was sold to Citizen bank. A XXXX XXXX XXXX after the transition was completed i was notified via phone by Citizen bank that my account was sold to them and at that time i began paying my payments online. And to this date i have not received official letter from Citizen bank that my account was transferred to them. Since XXXX i have not received ANY statements from Citizen Bank, and i was unable to log in to my account online due to replacing my computer. And my personal calendar was removed, and i was dealing with my XXXX XXXX medical situation. On XX/XX/XXXX, i was notified by the Credit bureau that Citizen bank reported me as being late for XXXX XXXX. At that time i logged in immediately logged into the account and made all necessary payments, i never received any notification from Citizens, stating that they did not receive payment or that my account was over due. XX/XX/XXXX and XX/XX/XXXX i spent over XXXX XXXX on the phone, trying to figure out about my statements being mailed and trying to explain the situation, but i was being transferred from person to person and then finally i spoke to representative by the name of XXXX, who refused to transfer me to a XXXX and placed me on hold for XXXXXXXX XXXX. I am doing business with XXXX banks and never in my life was i treated like this. 

Citizen should treat their customers with respect and kindness and create some connections with customers. Due to my personal situation, and not receiving any communication from Citizen bank about my account it is extremely difficult to get any answers from them. This is just unacceptable to receive such poor customer service. For XXXX XXXX i have not had any late payments with the credit bureau.
Consumer complaint received 2024-01-20
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MO)

I went through debt reformation using XXXX XXXX XXXX for my XXXX backed XXXX card. I completed my program and paid all debts off.

I reviewed my credit score last year and noticed Synchrony did not follow through on the agreement, so I flagged it for review. Synchrony then decided to sell the debt they said I owed to XXXX XXXX who has used the multiple debt collection companies they own to harass me since XX/XX/year>, even though I have provided documentation proving I don't owe any money. 
I contacted Synchrony multiple times and recently received a letter stating they sold the debt and that I need to work with XXXX XXXX. 
The debt companies won't back off even with proof because they just want the money and Synchrony had no right to sell a debt I paid off and should be the one to resolve this.
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account 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 — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (AL)

Yes I tried to fix this problem more than once and XX/XX/XXXX again in XXXX also XXXX. Then I get a letter from XXXX, XXXX and XXXX stating that my personal information has been compromised so my credit report and score is incorrect.So this information needs to be fixed immediately before I file an lawsuit against them.
Consumer complaint received 2022-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (MI)

I was transferring a balance from XXXX to Citibank ( the check was draw on Citibank, I am refiling a dispute again because Citibank lied on the reason why the balance transfer check wasn't honor by Citibank. Citibank 's responded to my filing ( XXXX ) was they never received the check. I contacted XXXX on XXXX and I spoke to XXXX in the billing department. She said the check was return because Citibank said the fund was XXXX XXXX and this happened on XX/XX/2022. 

Balance Transfer amount : XXXX
Consumer complaint received 2020-09-29
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. (NC)

XXXX XXXX XXXX journey started 6 month ago when I pulled my credit report from all three credit bureau and seem the inaccurate information on my file. Then I begin to hand write letters regarding the inaccuracy in my credit reporting. Specifically as it related to charge off and provide me with copies of any documentation associated with these account, bearing my signature. In the absence of any such documentation bearing my signature. I formally requested that this information be immediately delated from the credit file.
Consumer complaint received 2020-08-04
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. (AL)

Creditor which is XXXX XXXX  notified me that they sent a notice to credit bureaus but they have yet to response or removed the account from my credit reports. They have been dropping my calls and have extended hold times and I can never talk to anyone about my issue.
Consumer complaint received 2020-09-29
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. (IL)

XXXX  and XXXX credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine. 
XXXX XXXX is fraudulent on my credit Account # XXXX XXXXXXXX XXXX XXXXXXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX Inquiry from US SM BUS ADMIN ODA
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: CREDIT ACCEPTANCE CORPORATION (AL)

Yes I tried to fix this problem more than once and XX/XX/XXXX again in XXXX also XXXX. Then I get a letter from XXXX, XXXX and XXXX stating that my personal information has been compromised so my credit report and score is incorrect.So this information needs to be fixed immediately before I file an lawsuit against them.