davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-07
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: AES/PHEAA (GA)

How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2020-07-09
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: EQUIFAX, INC. (TX)

filed ftc on all the accounts listed : XXXX XXXX XXXX Account Type Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$700.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$9.00} XXXX   Account Type Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$1500.00} Term -- Monthly Payment $ XXXX XXXX, XXXX Creditor Name XXXX Account Type Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$300.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$460.00} Highest Balance {$460.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment -- Amount Past Due {$460.00} Times 30/60/90 Days Late 0/0/0 Remarks Charged off as bad debt Canceled by credit grantor Payment History Latest Status : Collection/Charge-Off No payment history has been reported by this creditor. 
Credit Utilization*154.00 % Creditor Contact Details XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$210.00} High Balance {$210.00} Remarks
Consumer complaint received 2021-01-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Recently, I received a copy of my credit report and found several fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) but, I don't have any knowledge of these accounts being open, any contract bearing my WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes " inaccurate information '', which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Consumer complaint received 2021-10-11
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: BARCLAYS BANK DELAWARE (CT)

This is in response to your Complaint ID XXXX. 
1. The attached XXXX letter by Ms. XXXX clearly states that XXXX refunded {$990.00}, but Barclays bank never gave me that money. 
2. XXXX refunded this money, even though their policy states that refunds are not allowed. This took a lot of fact finding and discussion with other employees and the Manager, Ms. XXXX. I talked with XXXX, as Barclays bank had requested me do so. 
3. however, Barclays either pocketed or refunded my money fraudulently and without considering my points to XXXX XXXX 
4. As requested by you, I talked with Ms. XXXX XXXX, Office of the President-Barclays . However, she could not explain, as to why Barclays did not refund my money. Unless Ms. XXXX can prove that Ms. XXXX is XXXX, it stands to logic that I should get my money back. Thanks.
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I WAS LOOKING TO START ANOTHER BUSINESS WANTING TO RAISE SOME CAPITAL FOR THAT BUSINESS. THE BANK I HAVE AN ACCOUNT WITH INFORMED ME THAT I HAVE MANY ACCOUNTS THAT ARE NOT IN GOOD STANDING TO GET FUNDING. I KNEW THAT THIS WAS NOT THE CASE I LOOKED AT MY CREDIT REPORT AND THESE ACCOUNTS ARE NOT MY ACCOUNTS. I NEVER SIGN FOR THESE ACCOUNTS NOR DO I HAVE ANY BENEFICIAL INTEREST IN THESE ACCOUNT THEY NEED TO BE REMOVE ASAP FROM MY FILE.
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Since XX/XX/XXXX XXXX  the bureaus have refused to open an investigation on the following cases. XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXX XXXXXXXX XXXXTransUnion and XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX-TransUnion and XXXX At this point the bureaus are in direct violation of the FCRA guidelines and have passed the time allowed to start an investigation . I am now requesting permanent deletion. Attached is proof of the disputes that I have sent for these accounts and also proof of my identity. I have attached my driver 's license and utility bill. Please considered this my written authorization. 

Thank You
Consumer complaint received 2021-01-07
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)

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. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (GA)

Received confirmation that money order ( {$800.00} ) was received on XX/XX/XXXX. 

Received notice from the XXXX XXXX of XXXX XXXX that the civil action against me was dismissed on XXXX. 

The credit report still shows the account opened as of XX/XX/XXXX.
Consumer complaint received 2020-12-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Bank of America has several options for setting up autopay for your credit card. I selected to have the amount due paid each month 5 days before it was due. After several months I noticed I was being charged interest. Upon further research I discovered that amount due is actually the same as minimum amount due which is another option they provide. This is incredibly misleading and irresponsible by Bank of America. My research online revealed that many people have had this happen to them.
Consumer complaint received 2021-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Franklin Collection Service, Inc. (TX)

Saw new charge in my account from XXXX XXXX reported by Franklin charge {$120.00} that was placed in my report when ask they say it was debt on XX/XX/XXXX the had place as new account openedXX/XX/XXXX I have no knowledge of {$120.00} with debt that was suppose to have been from XX/XX/XXXX.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CT)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS NOR SIGNED TO AUTHORIZE ANYTHING. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.
Consumer complaint received 2021-10-12
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

JCPenney Credit Card serviced by Synchrony Bank. 

I am unable to get paper statements. 

JCPenney continues to enroll me in paperless statement without my permission or request. 

Contacted support and tried 10 times to enroll back into paper statements. I am unable to stay enrolled for paper statements.
Consumer complaint received 2022-10-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OLD NATIONAL BANCORP (NH)

Original loan was through XXXX XXXXXXXX XXXX in XX/XX/XXXX. Old National Bank bought them and started servicing this loan in XX/XX/XXXX. My XX/XX/XXXX payment was made via auto-pay at XXXX XXXX website as was all previous payments. The payment came out of my bank on XX/XX/XXXX, was credited by XXXX XXXX Bank on XX/XX/XXXX, but was mysteriously " reversed '' on XX/XX/XXXX. An error code of " XXXX '' is associated with this reversal, but XXXX XXXX has no explanation as to what that means. This reversal resulted in late fees and continual letters from the XXXX XXXX Collections Dept. However, NO funds were returned to my bank account. 
This " reversal '' is obviously a computer error on XXXX XXXX 's side since my bank balance the day payment was taken was just shy of $ XXXX AND no funds were credited back to my bank. Since then, late fees have been included... 
I called the bank twice before receiving the first late notice on XX/XX/XXXX. After that, I have called the collections department AND the Client Care Dept several times. I have been told repeatedly that XXXX XXXX has no idea what happened or why it happened, but demand that I " catch-up '' on my payments. 
I have corresponded via email that included four months of my bank statements ( proving no funds were returned to me ) AND trace numbers of the payments provided by my own bank. 
No answers yet.
Consumer complaint received 2021-10-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (NV)

My wife and I submitted my refinance loan application to my current lenderCitibank XX/XX/XXXX. Our credit score are over XXXX and our income in XXXX was around {$100000.00} and in XXXX around {$85000.00} not including the Pandemic mandated unemployment benefit of around {$20000.00}. 
Both are W2 income. Current loan is a FHA. 
Our current monthly payment is {$1900.00}. Our refi loan amount is {$270000.00} at interest rate if 3.625 % fixed 30 years. The projected new payment is {$1500.00}. A reduction of about {$400.00} per month. 
Appraisal done in XXXX at {$390000.00}. XXXX is 69 %. 
Needless to say we more than qualified in every respect. We submitted all requested documents promptly and was looking forward to a closing between 45 and 90 days. We follow up regularly with the processor and loan originator. Weeks went by and then months. We finally got the preclosing disclosure XX/XX/XXXX. That is over 7 months later. Adding insult to injury, the closing disclosure included an item Borrowers optional atty fee to XXXX ( servicer ) n the amount of {$2400.00}. At that point we decided to withdraw.

I am seeking the following : - fees paid of {$670.00} - lost monthly savings of {$400.00} up to seven months.
Consumer complaint received 2021-10-12
Product: Credit card or prepaid card — Store credit 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. (NC)

On about XX/XX/XXXX I ordered a sectional from XXXX, received it on about the XXXX and they sent the couch and loveseat in brown and the corner piece in gray - I ordered gray. Called XXXX and they refunded the amount and told me to wait two weeks before I disposed of cardboard that this came in - if I didn't hear back then I would keep or dispose of the sectional. While I was on the phone the lady put in a new order for the same sectional but told me that it would be three months as it was on backorder. I said ok at first and then thought about it and went in and canceled that order. 

XXXX refunded the first mistake sectional and then credited my account for the re-ordered one that I canceled BUT- they have not sent this credit over to my XXXX credit card so it is still showing that I owe for the re-ordered sectional,. I have called both XXXX and CITI who is the wayfair credit card and they keep sending me back and forth and have not fixed this yet. Attached is the invoice from XXXX showing a XXXX balance but my XXXX credit card is still showing the price of the sectional on it. I call and they either tell me to call one another or say they will credit it etc. Every time I call I get a different answer. Please help.I don't want to pay for something that was totally sent wrong or a re-order that I canceled.
Consumer complaint received 2023-06-12
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)

Transunion contact information for XXXX XXXX XXXX is inaccurate. States that the address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX with phone number XXXX. I sent a letter to this address to address it myself and it was returned as an incorrect address by USPS. When that was returned I checked it against my credit report and it matched. I then tried calling the number listed on the report and I get the message that number does not exist. 
The incorrect contact information means there is no way to verify the collection agency or the action taken by XXXX XXXX XXXX. This should be removed from my report.
Consumer complaint received 2021-10-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

In XXXX of XXXX I applied for a home equity loan with XXXX XXXX XXXX to do some much needed dire home repairs to my homestead located on XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX 
I was approved for the loan ( {$65000.00} ) with no problem since I have a good credit score, however as the process moved along with the title company ( XXXX XXXX XXXX XXXX  ), they informed me that there was a judgment lien on my property since XXXX of which I was not informed. 

The company who placed the lien in is called Midland Credit Management XXXX XXXX XXXX XXXX, MI XXXX. Legal collections Account number : XXXX. They are claiming that I used a credit card back in XXXX and that the debt was never paid. This is not my debt and it is now preventing me in moving forward with dire structural repairs needed in my home, hence the reason I am applying for a home equity loan.
Consumer complaint received 2021-10-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates (WI)

On XX/XX/2021 I checked my credit reports as a monitor them on a daily basis. A new collection had shown up for a company called L J Ross and Associates. It looks like this is for a XXXX XXXX account. I have a current account with XXXX XXXX. One that is in good standing. This collection agency reported it to the three major credit reporting bureaus. No notice was ever sent to me regarding who this is or what this account is for. No details were ever supplied.
Consumer complaint received 2021-01-07
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. (GA)

I noticed that i have been a XXXX of XXXX XXXX for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from XXXX XXXX. I have contacted ( XXXX XXXX ) and ( XXXX XXXX ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I RECENTLY RECEIVED MY CURRENT CREDIT REPORT AND NOTICED SOME HARD INQUIRIES ON MY REPORT THAT I DID NOT DO, ON XX/XX/2021 I HAVE REACHED OUT TO THE BUREAUS AND HAVE NOT RECEIVED A REPLY BACK OR ANY UPDATES MADE TOWARDS MY CREDIT REPORT.
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DC)

Equifax is continuously reporting inaccurate information on my credit report. Equifax claims to have reached out to the data-furnish er ( which could only be XXXX XXXX ) in attempt to verify if a payment was made 4 years ago. It's against the law to report transactions and or experiences between a consumer and the person making the report.
Consumer complaint received 2021-01-07
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 (TX)

During XXXX, I had over 30 charges for {$13000.00} taken from my account. These were not authorized. I believe someone may have hacked my account and charged my bank until I hit {$0.00}. Wells Fargo denied the claim. They also inaccurately put under my claim reason " He doesn't remember the charge. '' Wells Fargo tried to make it seem like I forgot about making the charges. I obviously do not remember the charge because I did not do the charges and the reason I stated on the phone was they were fraudulent charges. They have now denied my claim. Wells Fargo should have contacted me when the charges started happening repeatedly. They also allowed the pending charges to go through as well after I called them to report the fraud.
Consumer complaint received 2021-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc. (OH)

Today, XX/XX/2021, I received a text from XXXX that said it was from State Collection Service. They claimed to be a debt collection service and asked me to click on a link to receive information about the debt. It looks like a scam.
Consumer complaint received 2021-10-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (FL)

WELLS FARGO


Contact XXXX XXXX XXXX XXXX XXXX IA XXXX

HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF XXXX THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

There is inaccurate personal information that is furnished on my credit report. I have reached out to the reporting agencies several times regarding this misinformation. I was told it would be removed. Different reporting agencies are reporting different mis information.
Consumer complaint received 2021-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

incorrect addresses and work history. Id theft victim i have never lived at these addresses nor is my work history correct XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  please rermove asap