davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Information belongs to someone else
Company: RentDebt Automated Collections, LLC (TN)

After viewing my report, I noticed negative account that I have never applied nor any communication with them. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. I don't owe this debt. This is a formal notice pursuant to FDCPA 15 USC 1692g stating your claim is disputed and validation is requested. I have never receive any documents bearing my signature, showing that I have a legally binding contractual obligation to pay your company.
Consumer complaint received 2021-12-31
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. (AZ)

I sent an Affidavit of Truth to TransUnion suing for hard inquiries that were on my report. These are incorrect and they were never given my written permission to furnish the information and it has caused my reputation and life harm. The letter was received on XX/XX/2021 and the hard inquiries are still on my credit report as of today, XX/XX/2021.
Consumer complaint received 2023-06-29
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: Experian Information Solutions Inc. (CA)

This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing doe not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 


XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-02-21
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. (MD)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX Balance : {$800.00} ; XXXX XXXX XXXX Balance : {$830.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$920.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$4900.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 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 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

I paid the total amount owed on my American express credit card. I paid the XXXX $ off completely. My balance was XXXX after my payment. I have the receipt from my bank. I used a cashiers check from my bank XXXX XXXX XXXX XXXX. After a few weeks i get a bill from American express saying I own XXXX $ on a XXXX balance. I contacted them and said I do not own anything. I paid the balance off in full. I received a letter from American express saying they cleared the fees and that I do not own the XXXX XXXX I immediately called American express and asked them what the balances was and was told XXXX dollars balance. I told American express to close my account, I no longer wanted anything to do with them. My account was closed in XX/XX/2022 with a XXXX balance and nothing owed to them. for the last few weeks American express keeps sending me bills saying I owe them {$40.00} dollars, I have even send them there own letter sating that I do not owe them anything. They are hurting my credit report and I would liked them fined XXXX dollars and would like to be paid XXXX dollars for the emotional stress and damages to me and my credit. I had to close my credit card because of them and there wire fraud scam and that hurt my credit report.
Consumer complaint received 2023-06-29
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. (GA)

disputed this account with all three bureaus with no resolution when bureau states, the account is only a two month term payment of {$120.00} with a total balance of XXXX from opening to close this is false I got a response saying that it has been corrected with no update I asked for it to be removed. I would like it to be removed from my credit report.
Consumer complaint received 2023-06-29
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: Experian Information Solutions Inc. (TN)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5800.00}XXXX XXXX XXXX  XXXX Balance : {$480.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-01-31
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. (IL)

It has come to my attention that XXXX Bank has been using my consumer report incorrectly. They have violated the FDCPA. They have communicated to several consumer reporting agencies such as TransUnion, XXXX, and XXXX without my written consent. They have also reported my balance to these consumer reporting agencies which has negatively impacted my credit score. This unfair reporting is making me look like a risky and unreliable consumer. I am trying to buy home within the next few months and having a low credit score will make it difficult for me. I first made XXXX Bank aware of how they violated 15 U.S.C 1692c ( b ) and along with other federal codes on XX/XX/XXXX. I sent off labeled exhibits and an affidavit via certified mail and green return receipt. Secondly, I sent off these same exhibits along with other documents which included an invoice via certified mail and green return receipt on XX/XX/XXXX. Within the other documents included a cease and desist. In that cease and desist I made them aware of how they did not have my written consent to communicate with any third parties and I demanded for them to do other things
Consumer complaint received 2018-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

XXXX XXXX XXXX  had purchased an account from XXXX and put it in collections. I received a summons from the law firm they hired XXXX. we came to a settlement agreement which I will attach. I fulfilled the terms of the agreement however the XXXX account is still showing negative instead of paid on my report. I made all communication with portfolio and XXXX through email, but now when I email portfolio about this they only give me a number to call. I have made several attempts with portfolio to have this corrected and to get it reported correctly with XXXX to the bureaus, but they have not been helpful.
Consumer complaint received 2023-02-20
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. (TX)

I have submitted several electronic disputes and written disputes to Transunion with no responses. I submitted electronic disputes to Transunion disputing inaccuracies and errors on accounts from XXXX XXXX XXXXXXXX electronic confirmation XXXX and XXXX XXXX XXXXXXXX electronic confirmation XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and recently via certified mail XX/XX/XXXX. The certified mail dispute was confirmed received and signed for by Transunion XX/XX/XXXX. To this day I have yet to receive a response from from Transunion concerning the " Reinvestigation '' of my disputes. I have come to the conclusion that the Furnisher and Transunion are in violation of my rights under the Fair Credit Report act. 
" Section 1681s-2 ( b ) ( 1 ) of the FCRA states that a furnisher of consumer information must conduct an investigation of disputed information upon receiving notice from a consumer reporting agency ( CRA ) that the consumer has disputed the accuracy of the information. '' Transunion and the furnisher have failed to respond and investigate my disputes. 
I also filed a complaint with CFPB against the furnisher XXXX XXXX XXXX. Per the response from the furnisher, they claim that the information being reported to the credit bureaus is accurate. However, that is false and inaccurate. The information the furnisher is submitting across the board to the three major credit bureaus Transunion, XXXX, and XXXX is not consistently accurate or correct. It is the credit bureaus responsibility to have the utmost " 100 percent accuracy '' of information displayed in their consumer credit files. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

Transunion and the furnisher has failed to maintain utmost accuracy in credit reporting. Which has violated my rights under the Fair Credit Report Act. 
The FCRA requires credit bureaus to post the remark account information is disputed by consumer within five business days of receiving your dispute. I have filed several disputes and Transunion has failed to comply. According to the Fair Credit Reporting Act these accounts must be removed.
Consumer complaint received 2023-02-20
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: Bread Financial Holdings, Inc. (CO)

I received statement In XX/XX/. Billing cycle end XX/XX/, payment due XX/XX/ with balance due XXXX. I paid entire balance XXXX on XX/XX/XXXX. Come mitt assessed a {$2.00} minimum interest charge on the XX/XX/ statement even though the account at that time had a XXXX balance. This is contrary to the terms of the account which I have from the time of the opening. Because I was under the impression that I had a XXXX balance, which I did I did not evaluate to make further payments. Comenity continued to charge me late fees and interest on late fees on that two dollar balance that should not have been assessed to me in the first place. I did not realize until they started calling me in XX/XX/ that I even had any of these charges because again, I never should have been assessed the XXXX dollar fee in XX/XX/ in the first place. My credit report now indicates that I have a serious delinquency 60 day late payment from this creditor. When I contacted Comenity via phone, they reversed the late charges, but told me that I owed them XXXX dollars which I paid immediately just to be finished with the situation. I also at that time requested that they account be closed which they still have not done. Now strangely, on my open account, I have a credit of XXXX cents. Additionally, I have attempted to dispute this through XXXX, and nothing happened.
Consumer complaint received 2021-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (PA)

Starting back in XXXX of this year unauthorized money was taking from my account withdraws and atm use. Up to and now over XXXX dollars has been taking. PNC was contacted by phone and in person many times about this problem and nothing was done about it I also contacted the police department with this problem. I was told by PNC that they find no unauthorized transactions. Which is a lie.
Consumer complaint received 2023-06-29
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: Experian Information Solutions Inc. (CA)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2021-04-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (CA)

Had a medical bill of {$110.00}. Balance is {$0.00}. Never received a letter of payment. Have spoken to Transworld Systems Inc. ( TSI ), multiple times beginning ( recently ) on XX/XX/2021. 

I was told that yes I had paid, and then no I did not pay. I was told a letter confirming I had a zero balance was coming by fax and/or letter XXXX times. Then I was told no letter had been sent. Then I was told I would not receive a letter. 

I have been told Transworld did not report the event on my credit report ( see attached ). 

I have been transferred approximately XXXX times, disconnected, different conflicting statements by each person I communicate with. 

I have a XXXX balance, they XXXX saying a letter was sent, and then they said they wouldn't send the letter. In the middle of a question they put me on hold to shut me up. 

I just need a letter stating what their records show, that they were required to send but didn't. They've XXXX to me for weeks. I have no way of knowing if anything they say is true because their story keeps changing and they've XXXX.
Consumer complaint received 2022-01-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (ID)

On XX/XX/XXXX I filed a fraud claim through Wells Fargo Bank in person letting them know that someone used their XXXX # to contact me and trick me into believing that he was a representative from the Wells Fargo Bank. First, I was contacted via text about a fraud attempt, asking if I'd attempted a {$3500.00} XXXX transfer. After responding " No '' I received a call from someone who spoofed the XXXX # on the back of my debit card. 

Before I knew it {$3500.00} was taken from my bank account and sent to an unknown XXXX Bank account. Wells Fargo Bank advised that the investigation could take up to XXXX business days. 

On XXXX XXXX I filed a police report ( XXXX XXXX with XXXX Police XXXX Report # XXXX ). As of XX/XX/XXXX, it had been XXXX business days and the bank informed me that their fraud investigation team came up with nothing and closed my case. They were waiting for XXXX to get back to them. {$3500.00} ( in two transactions ) was taken from my savings account on XX/XX/XXXX. I have texts confirming the transfer of the XXXX money and a case number which has been dropped by Wells Fargo Bank. 

On XX/XX/XXXX, the bank informed me that they are unable to recover the money. 

On XX/XX/XXXX, I received a call from Agent XXXX from Wells Fargo ( XXXX Ext XXXX, Claim # XXXX ) officially advising that Wells Fargo Bank is unable to help me recover my {$3500.00}. 
I am XXXX and having XXXX XXXX due to this horrific situation, struggling to pay my bills and have no one else to turn to. 

Your help would be greatly appreciated.
Consumer complaint received 2021-04-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MA)

>>>DEBT PARKING<<< Southwest credit consumer care. XXXX XXXX XXXX # XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX. 
This is the 3rd time ( I have physical proof ) this Company has illegal Parked Debt on my name. The Alleged Debt that has been PROVEN not to be mine. The Alleged Debt Has Been removed off my credit report TWICE BY THE SAME COMPANY. also has been reset by a date and a single {$1.00} Three times in an attempt to SCAM me again! I am seeking Legal counsel as they seem to be Predatoryly Parking Debt that is NOT mine on my name. My phone number is accurate on my credit report and adress is up to date and they never attempt to call or mail me anything. They Continue to Aggressively Debt park things that ate NOT on my name. Please make this illegal Scam stop. Thank you
Consumer complaint received 2023-03-06
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

I am a XXXX XXXX  and a veteran.I have had XXXX twice. I was doing just fine paying my monthly payment until the property taxes went up considerably and virtually doubled the payment. Of course I was ill at the time.I contacted Wells Fargo and they suggested that I take advantage of their program to defer payments until I felt well enough to resume as normal. I could have up to one year of deferment. They assured me that this would not affect my credit, would not be reported to the credit agencies, would not be reported to the V.A. and the deferred payments would be tacked on to the end of the loan. they straight out lied to me. This was immediately reported to all three credit bureaus, also the V.A. I paid what I had in savings ( {$4000.00} ) so Wells Fargo would not foreclose and I am now getting notices to pay them {$12000.00} more to bring my account up to date. They have repeatedly asked me for the same documentation over and over and passed this account around to several different representatives within their organization. I'm continuing to make my normal monthly payments of {$1700.00} which they are accepting but they are threatening me with foreclosure through the U.S. Postal service and almost daily phone calls. I never know who I'm going to be talking to and continually have to go through the whole story over and over with each new person. I have repeatedly sent them everything they have asked for. This has been on going for two years.
Consumer complaint received 2019-12-12
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: Midwest Recovery Systems (NY)

This document is for fraudulent accounts opened in my name, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.
Consumer complaint received 2018-06-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (IL)

good afternoon, I'm requesting assistance in the matter of myself and XXXX XXXX. I'm in the process of paying off my mortgage with them, and I've gotten down to the final payment due XX/XX/XXXX. I called them on XX/XX/XXXX to get the final amount due. upon speaking with them I was told that a letter would be sent within the week with the details and payoff info. today makes three weeks since with no response. I've not received a statement also. they took XXXX on XX/XX/XXXX, and I presumed a final payment.i called today and spoke with aaaa person who states that the payment was in suspension, and not applied to my account. this person states that a letter was sent the day I spoke with the first person, and he probably didn't know it was sent at that time.she then states that a second letter was sent on XX/XX/XXXX.i haven't received any letters from them. I've read reviews about planet mortgage and I feel that they're not honest. now they want me to send a certified check ( as if i'm not honest ) to them for XXXX to payoff my account. on XX/XX/XXXX the principal balance was XXXX. I was requesting the total amount to send to cover the difference.now I've called them twice regarding this matter and getting the run-a-round. as I stated to the " person '', this is XXXX! thank you in advance!