davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-19
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. (TX)

Transunion Has Been Reporting a Collections Account that Doesnt Belong To Me In The Amount Of {$520.00} on XX/XX/2020. 
The XXXX XXXX Name is XXXX XXXX. 
It Was Removed Earlier After i Reported It But After Some Months It Started To Appear Again Leaving a Negative Impact On My Credit. 
Please Help Me To Remove It Permanently. 
XXXX XXXX
Consumer complaint received 2020-06-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2020, I went to the Wells Fargo branch in downtown XXXX, CA, to inquire about a small business checking account. I was told that if I opened an account, maintained a minimum balance for 60 days, and had at least five qualifying transactions, I would receive a {$300.00} bonus. I opened the account, and subsequently received an email from Wells Fargo confirming the bonus offer, which also said that the {$300.00} bonus would be credited to my account within three days of meeting the criteria. 
I subsequently maintained the required balance and had the required number of transactions to qualify for the bonus, but never received the bonus. 
I called the phone number given in the Wells Fargo email to ask about the status of the {$300.00} bonus sometime during the week of XX/XX/2020. I was told that my account would be credited within three days, and was given a complaint number XXXX. 
Since that time, I have still not received the bonus that Wells Fargo promoted.
Consumer complaint received 2020-08-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (CA)

I was checking my credit score when I saw a company named Afni, inc. reported debt collection amounting to XXXX . I don't know this company nor I owe them any thing. This company is trying to collect a debt which I have no information nor I owe any XXXX to this company. This company has ilegally damaged my credit score. I need this collection account removed from my credit report immediately.
Consumer complaint received 2020-08-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery is illegally reporting an alledged debt on my credit reports that is not mine.This alledged debt reports as account # XXXX on report ( s ), This company has violated my rights under the FDCPA and FCRA. 
I mailed letters certified to the credit bureaus disputing the inaccurate, injurious and erroneous information that is not mine.I also mailed a validation request that was mailed certified as the dispute letters all article numbers availible upon request This company responded to my validation request by sending paperwork that has nothing at all to do with me, Another violation committed by this company is continued collection activities, This company may also be liable for willful non- COMPLIANCE as it knowsor should know that the allledged debt they continue to report in my credit files are inaccurate, erroneous and injurious to my credit standing and overall financial status. 
I plead with the CFPB to assist in this matter.I want all this false information remove from my credit report ( s ) IMMEDIATELY.
Consumer complaint received 2020-08-12
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Kohl 's Department store calling me at all hours of day and night with robo calls. When blocked or reported, they use a new number. They don't stop even when I called them and told them of the situation. They are relentless.
Consumer complaint received 2024-04-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIBANK, N.A. (CA)

I received a letter in the mail from Citibank Client Services stating that my account ( s ) will be converted to simplified banking on XX/XX/XXXXXXXX XXXX XXXX  To my knowledge, I do not have an account with Citibank. The letter has my correct full name and home address but the last four digits of the account do not match any of my credit cards or banking accounts. I don't even bank with Citibank. I have been a member of the same credit union since XXXX
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: Experian Information Solutions Inc. (WA)

I have disputed accounts on my credit report as identity theft with Experian several times : XX/XX/XXXX and XX/XX/XXXX, XXXX and XXXX of XXXX. The items reporting are for 2 XXXX   accounts and a XXXX XXXX XXXX account that do not belong to me. These accounts are the results of identity theft. They have deleted XXXX XXXX XXXX whom XXXX hired to harass and sue me for these accounts yet will not remove the actually accounts on the same basis of identity theft. 

I have submitted a police report and other documents to Experian, XXXX, and XXXX XXXX XXXX yet they refuse to delete these items from my credit report. They are causing damage to my credit and preventing me from obtaining housing and other credit based items. 

I have even contacted both XXXX and XXXX XXXX XXXX directly to request debt validation and yet none of them can provide with documents verifying these accounts are legitimately my accounts yet somehow Experian has said they have verified them as valid. The only documents XXXX sent me were statements which do not prove ownership. All 3 companies have repeatedly failed to protect the consumer. 

This entire ordeal has brought serious emotional distress and financial distress. My rights as a consumer and under the Fair Debt Collection Practices Act have been disregarded.
Consumer complaint received 2020-06-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (WA)

Hi there, I was a member of Chase Bank for over 2 years. On XX/XX/2020, they told me my account was restricted and I could no longer login. I called the number they provided, and it routed me to fraud prevention. I was told they are not at liberty to tell me why my account was being closed, but that I could go into a branch and withdraw my funds. I went into the branch, and they are not releasing my money. They say it needs to be verified- but would not provide me an exact date. I have {$660.00} in my checking account and {$3500.00} in my savings. Ive tried calling 3 additional times and keep being hung up on. I am helpless : this is a global pandemic and I cant access my money.
Consumer complaint received 2022-11-01
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. (PA)

Several inaccurate information on my credit reports. I have sent out letters to all 3 credit agencies pointing out the inaccuracies, theyve vaguely sent back an automated template stating items verified without any explanations on how they verified those items or how their investigation was conducted. Even my personal identification items are still incorrect despite sending in my drivers license which has my correct information. Several accounts are not mine which i sent letters and thry never fixed thd issues.
Consumer complaint received 2023-03-16
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. (GA)

On XX/XX/2023 I send in disputes letters to experian, XXXX, and XXXX. It is XX/XX/2023 I still have not heard anything from the credit companies and it been over 30 days. I also send a 30 day demand letter.
Consumer complaint received 2020-06-18
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: Experian Information Solutions Inc. (VA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX. Company Inquiries : 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 XXXXXXXX XXXX
Consumer complaint received 2020-08-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MA)

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. 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 2016-05-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

By failing to adhere to both California law and the rules under CFPB, The party ( ies ) complained of in my initial complaint are not compliant with rules regarding dual tracking. The Parties are " covered '' under both California Homeowner 's Bill of Rights and the CFPB 's strict guidelines. 

I have a valid and complete loan modification package on XXXX XXXX, 2016 that has been acknowledged as received and no notice of deficiency of documentation has been received by me. I just received another Notice of Trustee during the pendency of my application. 

The Parties have also failed to respond to the initial complaint with competent and reliable evidence that supports all facts contained within all recorded title documents that were used against my contract rights. Specifically, the assignment ( s ) of deed of trust to an un-verified entity, Notice of Default, Notice of Trustee Sale. No authenticated evidence has been offered by the offending Parties by any person with personal, first-hand knowledge of those facts. I am not in default to an unknown, un-authenticated party that is currently in my chain of title without competent evidence to support the beneficial interest.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (TX)

I submitted a complaint through Consumer Finance and the response given notified that within 45 days the debt will no longer be from IQ Data. However, the debt is still shown on my credit report and it has been over the number of days stated in their response.
Consumer complaint received 2020-06-18
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. (VA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX. Company Inquiries : 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 2022-12-18
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. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed ftc on all XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$13000.00} past due as of XX/XX/2020. 
Account TypeCollection Balance {$13000.00} Date OpenedXXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$18000.00} past due as of XX/XX/2020. 
Account TypeCollection Balance {$18000.00} Date OpenedXXXX Dispute Revolving Accountsshow tooltip button XXXX XXXX   XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeCharge Card Balance {$850.00} Date OpenedXXXX
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed ftc on all XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$13000.00} past due as of XX/XX/2020. 
Account TypeCollection Balance {$13000.00} Date XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$18000.00} past due as of XX/XX/2020. 
Account TypeCollection Balance {$18000.00} Date OpenedXXXX  Dispute Revolving Accountsshow tooltip button XXXX XXXX   XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeCharge Card Balance {$850.00} Date OpenedXXXX
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: Experian Information Solutions Inc. (TX)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report.
Consumer complaint received 2023-03-17
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)

Im not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on XXXX XXXX XXXX XXXX. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, Reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit report. 
Inaccurate Addresses : 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 Date Opened : XXXX Balance : {$0.00}
Consumer complaint received 2022-11-01
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: General Motors Financial Company, Inc. (TX)

I am not knowledgeable of any of these inquires and never authorized these companies to pull my credit. On XX/XX/2022 I called XXXX and XXXX in on XX/XX/2022 XXXX directly in received no help. Each company suggested I dispute directly with the companies, or file a complaint with FTC, and or file a police report. I have reached out to these companies by phone and neither one could provide me any information on where the information came from. Please see below inquiry from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2022 Americredit XXXX XX/XX/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 XXXXXX/XX/XXXX
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 — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (MA)

My mortgage with my home is held with SunTrust ( now Tuist ), I make my monthly payment through my online bill payment system every month and on time since the mortgage started 3 years ago. The payment I make is for {$1800.00} per month including principal, interest, and escrow. I made the XX/XX/2020 payment for {$1800.00} on XX/XX/XXXX and SunTrust cashed my check immediately. 

SunTrust recently increased the payment to {$1800.00}. I did not see this and so my XXXX payment was short. Instead of notifying me about the shortage for XXXX tey reported me to the credit agencies for non payment. My credit score dropped by 100 points immediately. 

I contacted the SunTrust credit department and was told that was not there problem and the payment was short and their actions were justified. 
Please advise if anything can be done, I find SunTrusts actions to be unreasonable and my concern is they were gauging me on the escrow account with was still funded. 

XXXX XXXX XXXX
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed ftc on all XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$13000.00} past due as of XX/XX/2020. 
Account TypeCollection Balance {$13000.00} Date OpenedXXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$18000.00} past due as of XX/XX/2020. 
Account TypeCollection Balance {$18000.00} Date OpenedXXXX Dispute Revolving Accountsshow tooltip button XXXX XXXX   XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeCharge Card Balance {$850.00} Date OpenedXXXX
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. (FL)

MISSING INFORMATION ON MY TRANSUNION AND XXXX  MY MORTGAGE XXXX   MORTGAGE ACCOUNT # XXXX BALANCE XXXX HIGH CREDIT AMOUNT XXXX DATE OPEN XX/XX/2015 TERM 30 YEARS ACCOUNT STATUS PAID AS AGREED XXXX   ATTACHMENTS