davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-27
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: Experian Information Solutions Inc. (TN)

On XX/XX/2021 I noticed that a Bankruptcy was listed on my credit profile. I called the Court House and asked if they share any information with the credit bureaus, but they shared that they do not. I sent a letter to Experian asking that they delete and remove this information, but they responded saying that the credit grantor has " verified its accuracy. '' I then sent a letter to the U.S. Bankruptcy courthouse stating that Experian reported this information as accurate, so I asked the courthouse to send me all documentation that they used to " verify '' my identity with Experian. The Courthouse responded with a letter stating that they do not in fact share any information with third party gatherers ( letter is attached ). This is a pure violation against the FCRA and my privacy has been breached without my consent. I have attached the correspondence below.
Consumer complaint received 2021-07-27
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: EQUIFAX, INC. (DE)

On XX/XX/2021, 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. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately and updated or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-27
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: EQUIFAX, INC. (SC)

On XX/XX/2021, 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. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately and updated or i will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-27
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: EQUIFAX, INC. (NV)

On XX/XX/2021, I sent out a dispute letter to Equifax in regards to inaccurate reporting on my credit report on both XXXX XXXX credit card accounts. By law, according to the Fair Credit Reporting Act ( FCRA ), I should have received a response within 30 days or less which I never received. On XX/XX/2021, I sent out a demand to comply letter to remind Equifax to respond to my dispute letter and I still have not received a response to date.
Consumer complaint received 2021-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

I was contacted via text by someone I thought was Wells Fargo asking if I had attempted to make a withdrawl on XX/XX/XXXX of {$400.00} from a XXXX  ATM, XXXX. I did not realize the number it was sent from was a std 10 digit number and not a 5 digit number. 
An auto response came back that someone from Wells Fargo Fraud Dept would be reaching out. 
On XX/XX/XXXX I received a call from someone identifying themselves as a Wells Fargo Fraud Rep, they continued to say they would help me shut the card down and open new accounts. 
I spent an hour and 45 mins on the phone with them as they somehow accessed my online banking info, without getting any personal info from me. They sent me a text from XXXX saying they were working in the back ground to cancel the card and asked me to reply yes to an auto text saying " FreeMsg : Verify Wells Fargo activity. Card **** {$300.00} @ ATM Transctio {$52.00} @ XXXX XXXX REply Y if recognized, or call XXXX '' which now I know was them getting me to authorize the fraudulent transaction. 
BUt I still don't know how they were able to get into be online account. 
They transferred all my savings into my checking account and advanced as much cash on my CC they could to my checking. 
Then went on a spending spree around the area. I have filed a police report but it is still active and not assigned to a detective as of today. 
Wells Fargo has denied my claim and will not refund the fraudulent charges and I'm left holding bag. I get married in a month and have no savings and no curent way to pay my bills. 
I need help!!
Consumer complaint received 2021-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AR)

We called so many times to the bank to dispute the ticket that we bought from XXXX XXXX  because they cancelled it and they asked me more more money to rebook it.But that agent it hard to negotiate they asking us {$550.00} dollars for refund fee each ticket
Consumer complaint received 2021-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

A fraudulent check was presented and paid by Wells Fargo bank ( 3 years old check ), and an atm withdrawl was processed by Wells Fargo bank. I notified them and they assigned it to a claims person for both transactions. I received a notice from them several days ago that the investigation had concluded and the fraudulent withdrawls were credited back to my account. I have received a new atm card. I called the bank today to have the hold on the bank account checking removed and I have been transferred at least 7 times and no one is able to lift this account hold. I have to write a check today for a plumber for my mother and I am completely unable to do this because there is no one at Wells Fargo bank that can assist me. I am not sure what I am supposed to do unless it is to just take all the money out of the bank and close it. 
wells fargo acct -- XXXX Last person I was referred to XXXX XXXX XXXX XXXX XXXX XXXX luck at getting him to answer.
Consumer complaint received 2018-03-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC (MN)

I keep receiving calls from this number at my place of employment. They never answer and they just hang up. I don't even know who they are trying to reach. When I dial the number back a woman answers the phone with rapid fire speech so I can't understand what she says and when I start to tell her why I am calling she hangs up on me. 

I found them online by XXXX the phone number XXXX http : //www.receivablesperformance.comXXXXXXXX Mailing Address Receivables Performance Management XXXX XXXX XXXX XXXX. 
XXXX, WA XXXX
Consumer complaint received 2019-02-08
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A. (AZ)

On XX/XX/XXXX or XX/XX/2019, I attempted to open a savings account with PNC Bank N.A . As part of the open account process, I was asked to make a deposit into the account from another banking institution. The deposit date was XX/XX/XXXX. When my account was approved, I received a letter welcoming me and was asked to sign a document and mail back to them, which I did on XX/XX/XXXX. 

I was then out of state for 3 weeks on business from XX/XX/XXXX to XX/XX/XXXX and was not able to access my mail. PNC did call me once during this time, but I was unable to take the call as I was busy and asked them to call me back at a later time, which they never did. 

It turns out that the account number that was entered by PNC Bank was not the correct account number ( it was missing a digit ) which resulted in the deposit being returned and PNC bank charging the new account a penalty of {$12.00}. PNC then closed the account due to the negative balance. The account was closed on XX/XX/2019. 

When I returned, I checked my mail and found a statement from the bank which I didn't understand as well as the returned check. 

On XX/XX/2019 I called PNC bank to find out what was happening and they informed me that the account had been closed due to a negative balance because the deposit was returned and that I owe them the balance of {$11.00} ( {$12.00} - {$0.00} interest on the initial {$100.00} ). I spoke to their escalation department and informed them of the situation and they told me nothing can be done because 30 days have elapsed since then and I'm now responsible for paying them {$12.00}. I was also told that the account could not be reopened and I was more than welcome to open a new account once the balance was paid in full. 

I do not think I should be liable for the {$12.00} on the basis that they did not enter the correct account number which resulted in the returned deposit. At the time that I made the initial deposit, no conditions were established as at the time, it was not known if the account would have even been approved. All conditions are provided in the welcome letter that came at a later date. 

I don't want this balance to affect my credit rating and history due to their error. 

Please Help?
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

XXXX incorrectly and prematurely reported a bad debt to all 3 credit agencies XXXX, XXXX and Equifax which was not accurate because the balance was paid and applied to NYS Pell grant. This had prohibited me and my mother of obtaining our first home purchase. Please have University to remove and report good and paid debt as soon as the law allows.
Consumer complaint received 2021-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Paypal Holdings, Inc (GA)

Yesterday, XX/XX/21, I found the promotional rate for the Venmo Credit Card on their website ( XXXX XXXX XXXXXXXX ) They are advertising double cash back for the remainder of the year if you apply before XX/XX/XXXX. I followed the steps on the webpage in order to apply, but was not allowed to apply. Today, I attempted again. The help section in the app directed me to call XXXX XXXX, at XXXX. I spoke to two representatives there and they told me that I needed to speak to Venmo because I wasn't even able to apply. They gave me the number for Venmo, and I spoke to a representative and his supervisor, and they told me that I can't apply, and that the application isn't even available for their employees. I told them that is not correct, and they should not be advertising a credit card, and then not allowing people to apply.
Consumer complaint received 2021-07-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (IL)

I received a notice from .IC. Systems, Inc. stating the XXXX XXXX - XXXX had turned over my account for collection ( # XXXX ). However, I do not have an account with that XXXX so I called them ( XXXX ) and asked for the Fraud Dept. The person I spoke to said that they did not have a Fraud Dept., but should fill out a form on their website. When I went there, one of the first things it asked for was my SSN, Therefore, I left the website and went to the IC System to see what they had. There was a form to fill out for them ( that looked similar to the XXXX XXXX ), asking for my SSN near the beginning. I did not look any further on either form, and decided to contact you instead. They state that I owe {$240.00} ( Principal due : {$190.00} and Collection Charge of {$48.00} ). 

The address of the IC System is : XXXX XXXX XXXX, XXXX XXXX, MN XXXX. 
Their Toll-free # is XXXX. 
Their " Pay Online '' is XXXX Thank you for any help you can provide in stopping them from trying to scam other senior citizens.
Consumer complaint received 2021-07-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MD)

TRANSWORLD XXXX XXXX XX/XX/XXXX {$1800.00}. DONT OWE ANYTHING TRANSWORLD SYS/INC XXXX XXXX XXXX XX/XX/XXXX {$750.00}. DONT OWE ANYTHING.

TRANSWORLD SYS/INC XXXX XXXX XX/XX/XXXX {$750.00}. DONT OWE ANYTHING.

TRANSWORLD SYS/INC XXXX XXXX XX/XX/XXXX {$750.00}. DONT OWE ANYTHING.

TRANSWORLD SYS/INC XXXX XXXX XXXX XX/XX/XXXX {$500.00}. DONT OWE ANYTHING.

TRANSWORLD SYS/INC XXXX XXXX XXXX XX/XX/XXXX {$480.00}. DONT OWE ANYTHING.

TRANSWORLD SYS/INC XXXX XXXX XXXX XX/XX/XXXX {$450.00}. DONT OWE ANYTHING.
TRANSWORLD SYS/INC XXXX XXXX XXXX XX/XX/XXXX {$71.00}. DONT OWE ANYTHING.
Consumer complaint received 2022-05-26
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. (NY)

XXXX incorrectly and prematurely reported a bad debt to all 3 credit agencies XXXX, Transunion and XXXX which was not accurate because the balance was paid and applied to NYS Pell grant. This had prohibited me and my mother of obtaining our first home purchase. Please have University to remove and report good and paid debt as soon as the law allows.
Consumer complaint received 2021-07-27
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. (AL)

On XX/XX/2021, I sent my first letter to the credit bureaus. I have sent several letter since then. I have not received a response on behalf of my complaint. XXXX XXXX is inaccurately reporting on my credit file. The past due amount is incorrect, the date of last active is incorrect and the date of last payment is incorrect. This is a violation. I have been very patient and now ready to move forward with this complaint.
Consumer complaint received 2021-07-30
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. (CA)

On XX/XX/2021 I found two accounts reporting on my credit bureau reports that were fraudulently opened in my name. I first filed a police report with the XXXX XXXX Police Department and then contacted the creditors collection agency since the original creditor no longer had the accounts. 

I also filed a fraud report with all three credit bureaus. TransUnion has since complied and removed or blocked the debts. I'm still waiting to hear back from XXXX  in regards to this. 

I've sent notices to the bureaus. I've repeatedly sent Experian EVERY document they've requested of me ; My drivers license, social security card, proof of address, the police report I filed, the FTC report I filed, and the CFPB report I filed. 

Experian now sends me notification after telling me I haven't complied that I never filed a police report. It's all been included in EVERYTHING I've uploaded and mailed to them.
Consumer complaint received 2019-12-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems (MD)

I pulled up my credit report and notice a collection debt from Midwest Recovery Systems for XXXX being reported. I have disputed this with credit bureau but no information has been provided about the account to me. I sent a certified letter to Midwest Recovery Systems and still no response or information about this account. I haven’t received any information nor have I signed any contract with this company. I am unaware of the company. They are destroying my credit with this collection account on my credit report. This needs to be removed off my credit report because I have never done business with this company.
Consumer complaint received 2019-12-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IN)

Claim is for a debt of XXXX allegedly owed to XXXX, from an address I have not lived at for more than 8 years. not sure how my information was obtained but need this to stop. they call multiple times a day. Have demanded proof of debt, which they refuse to send me. Convergent Outsourcing, XXXX XXXX XXXX XXXX,, XXXX   XXXX XXXX, Wa XXXX, is their  physical address, mail address is XXXX XXXX XXXX, XXXX, Wa XXXX.
Consumer complaint received 2019-12-16
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. (NY)

THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, I WAS PLACED AS AN AUTHORIZED USER AND I WOULD LIKE TO BE REMOVE OFF THE ACCOUNT. THE ACCOUNT IS HINDERING THE INTEGRITY OF MY CREDIT AND I WOULD LIKE THE ACCOUNT TO BE RMEOVED AS SOON AS POSSIBLE. PLEASE CONTACT THE FURNISHER TO HAVE MY NAME OFF THE DISPUTED ACCOUNT.
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (FL)

As of XXXX of XXXX, I had begun receiving harassing mail via XXXX  from Midland Credit Management with threats to take this matter to court from the time that the original company had sold this debt to this company. Midland Credit Management had always intended from its ownership of the debt to take this matter to court. I called Midland atleast 3 times to settle the debt and to handle the matter. Midland never reported the debt at any occasion until after it was paid, despite what their response implies to the consumer financial protection bureau. I had been checking my credit, and I had also had credit inquiries conducted upon my account, this account under XXXX XXXX XXXX took all parties inquiring myself by surprise as it had never been reported to credit bureau agencies by Midland Credit Managment until after the debt was settled. How can Midland Credit Management report that I owe the company a debt that had already been settled after it was settled and claim that it has the authority to continue to report this spurious claim until XX/XX/XXXX, because it has a dubious policy that it claims gives it the right to falsely report this settled debt as still outstanding? Government agencies must be vigilant about this company that is inaccurately reporting false information and harming individuals ' records because it deems it has the authority to do so.
Consumer complaint received 2021-07-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2021 I mailed a check for the current payment due by XX/XX/XXXX to Kohl 's, sending it to XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX. On XX/XX/XXXX I had to make an online payment to avoid late fees. That check FINALLY posted on XX/XX/XXXX. 

On XX/XX/2021 I again mailed a check for the current payment due, and that check took 24 days to post. 

I have 2 other Capital One credit cards that go to different post office boxes, but in the same city and they post in 3-5 days. 

This account seems to have a problem checking the post office box for payments!!!!!!!!!!!!!!!!!
Consumer complaint received 2021-07-27
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: EQUIFAX, INC. (OH)

On XX/XX/2021 I asked XXXX, equifax, and XXXX  to stop reporting my consumer report because I never gave them consent under 15 us 1681b without written consent its identity theft I never gave transunion the authorization to report, furnish any on my credit report.
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (NC)

Elan Financial closed my credit card account last year due to non-payment. The account has since been charged off. However, neither XXXX  nor XXXX  have the account closer date listed on my credit reports. Also XXXX  has a closure date of XX/XX/2020, but XXXX lists the date of closure as XX/XX/2020. Furthermore, Elan Financial has continued to report late payments after account closure. I can not possibly have any late payments on a CLOSED account. According to the Fair Credit Reporting Act any inaccuracies and inconsistencies regarding credit card accounts are grounds for mandatory removal of the account from ALL credit bureau agency records. Elan Financial has contributed to me not being able to obtain new credit during this past month. I am requesting {$1000.00} in compensation as well as immediate removal of this credit card account from ALL credit bureaus ' records including XXXX, XXXX, XXXX, XXXX, XXXX XXXX, etc. If this account is not removed from ALL credit bureaus ' records, I will seek legal action and further monetary compensation.
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have been denied housing, and almost employment due to inaccurate criminal background information on my Transunion screening report. The report indicates that I was found guilty 13 years ago of a misdemeanor when in fact I was found NOT GUILTY and the charges were expunged. It also has false traffic violations etc. I have tried to dispute for years, Ive it to no avail they continue to tell me that they dont have it on report and transferring me to different departments that refuse to assist me. I am desperate for help. This has ruined my livelihood completely.