davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp. (MI)

This debt I am writing about is an XXXX XXXX XXXX  account XXXX. I was enrolled in their internet program for low income households which is supposed to be at {$10.00} a month. I spoke with the female customer service rep from the XXXX and she assured me that this will be taken care of. She did explain what happened that for some reason I was taken out of the access program without my permission. She said shell put me back in it. I didnt worry because XXXX XXXX XXXX has great customer service. Until I started getting the bill. So Apparently the bill wasnt taken care of as assured. At that time since Ive been enrolled in the XXXX. I am unemployed at the time and I was and still qualified for the program for no cost internet service. The male XXXX who helped me last year set me up with a new account and informed me that the balance of {$52.00} will be no more and that I wont owe it and that charge will be credited so I shouldnt worry anymore. He enrolled me in the XXXX internet program and assured me that the debt has been taken care and I am starting fresh. But now Im receiving these letters about me owing the balance. Can you please assist me with this? Im trying to improve my credit score and this keeps coming up. Thank you so much for your time.
Consumer complaint received 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NV)

Equifax keeps reinserting this bankruptcy that does not belong to me stating they verified this bankruptcy with XXXX XXXX. XXXX XXXX has not verified no such bankruptcy with Equifax. I HAVE ATTACHED A COPY OF MY XXXX XXXX FILE THAT WAS MAILED TO ME FROM XXXX XXXX. There is no bankruptcy reporting on my file with XXXX XXXX. Equifax took off the bankruptcy months ago the reinserted the bankruptcy without verifying. I have been a victim of identity theft for quite some time and this is starting to be monotonous! There is also unauthorized inquiries that I did not authorize nor applied for on my credit. This ongoing back and forth take off then reinsert is hurting my credit. I take pride in my credit. REMOVE ALL OF THESE INQUIRIES< REMOVE THE BANKRUPTCY< CORRECT MY XXXX ACCOUNT IMMEDIATELY! The inquiries that I did not authorize are : XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXXXXXX XXXX XXXX XX/XX/2020 XXXX My XXXX account balance should be at {$0.00}. XXXX account is paid off. I WILL BE SENDING A COPY OF THIS COMPLAINT TO CEO XXXX XXXX. I WILL BE FORCED TO SUE EQUIFAX FOR DAMAGES UNDER Equifax keeps reinserting this bankruptcy that does not belong to me stating they verified this bankruptcy with XXXX XXXX. XXXX XXXX has not verified no such bankruptcy with Equifax. I have attached a copy of my XXXX XXXX file. There is no bankruptcy reporting on my file with XXXX XXXX. Equifax took off the bankruptcy months ago the reinserted the bankruptcy without verifying. I have been a victim of identity theft for quite some time and this is starting to be monotonous! There is also unauthorized inquiries that I did not authorize nor applied for on my credit. This ongoing back and forth take off then reinsert is hurting my credit. I take pride in my credit. REMOVE ALL OF THESE INQUIRIES< REMOVE THE BANKRUPTCY< CORRECT MY XXXX ACCOUNT IMMEDIATELY! The inquiries that I did not authorize are : XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXX  XX/XX/2020 XXXXXXXX XXXX  XXXX XX/XX/2020 XXXX My XXXX account balance should be at {$0.00}. XXXX  account is paid off. I WILL BE SENDING A CERTIFIED COPY TO CORPORATE CEO XXXX XXXX. I ALSO, WILL SEND THIS CERTIFIED TO EQUIFAX DISPUTE CENTER. I WILL BE FORCED TO SUE EQUIFAX IF THIS IS NOT RESOLVED IMMEDIATELY! DO NOT SEND ME A PRE-MADE LETTER STATING " VERIFIED '' WHEN I HAVE UPLOADED DOCUMENTATION TO THIS COMPLAINT!
Consumer complaint received 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

ON XX/XX/2020, I SENT A LETTER TO EACH OF THE BUREAUS ( XXXX, XXXX, AND EXPERIAN ) DISPUTING THE INACCURATE AND INCOMPLETE ITEMS THAT THEY ARE REPORTING ON MY CREDIT REPORT AND HAVEN'T RECEIVE ANYTHING THUS FAR.I ALSO ATTACH COPIES OF THE LETTERS BELOW.
Consumer complaint received 2024-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

This Complaint is against Wells Fargo Bank for allowing Fraudulent Transactions to take place in my account, after I had everything put in place due to identity theft to prevent this -- specifically I had my accounts deactivated and disabled. ( 86 ) Unpaid Fraudulent Transactions remain, and due to the # of Fraudulent Transactions, they will be listed on Several Complaints. 
-- As Follows -- in order : -- 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 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 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 2022-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY (FL)

Hello. In continuation of your response to my complaint about Wells Fargo through CFPB. 
You, instead of giving me an actual answer and resolving the issue, you are doing a training course. I do not need your guidance. 
You advertised in my account that I was pre-approved for a card, so I filled out the request and submitted it, and you told me that you would let me know through mail about your response. 
Approximately a week after that I received a letter from you regarding the application, saying that my credit was frozen with XXXX and that I needed to unfreeze my credit and call you to let you know. In order to remind you, on XX/XX/2022, I called you and told you that I unfroze my credit so you could check it. You indeed checked it, and after you had checked, and to my question, you gave me a response to freezing my credit. On that same day, XXXX points were taken from my credit. I do not need your training course and do not tell me stories or excuses. 
On XX/XX/XXXX, I told you that I was not interested and was not going to unfreeze my credit for a second time because I did not my credit score to go down again and hurt my credit because this is very important to me ( you don't check 15 times, you only check credit once, you do not have the right to request from the client to open his credit in the first place for a card that he was pre-approved for, for a second time and endlessly after that ). On your mistake that you did not check my credit as you were supposed to, I do not want reconciliation, I just want my credit score back, because I do not want your card at all, and I already told you this on XX/XX/2022, that I was no longer interested in the card. 
Thus, I demand, in a clear-cut manner, that you cancel what you did on my XXXX account so that my credit score goes back to how it was prior. 
And don't keep telling me stories and legends, only relevant answers. 

Attached is a screenshot of my XXXX account, showing my credit score went down by 16 points on XX/XX/2022. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-09-29
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Shellpoint Partners, LLC (HI)

On XX/XX/2020 ( see attached letter ) Exhibit XXXX XXXX XXXX transfers to Shell point mortgage servicing. 
XXXX XXXX has no servicing rights. How can XXXX XXXX fraudulently transfer any servicing rights that they dont own?
Consumer complaint received 2022-11-06
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (NY)

Multiple times since XXXX of 2022 I have been reaching out to XXXX XXXX to get assistance in resetting my online password, since each time I attempted it myself online I was given an error message. Whenever I called, the representatives only gave me a link to the home page and were unable to provide me further assitance. They even said that they were having " intermittent '' issues with the site and that there was nothing further they could do. I have had my bills for this card set to XXXX, so that I would go paperless and receive statements. This caused me to be unable to receive my statements, thus making me unable to see my transactions for accuracy, know when my bill was due, and then via the online portal properly schedule a payment. Today I have received a notice from the company that my card has been closed, yet the only reason this has happened is because I have not had access to my account since XXXX and have attempted to rectify the issue multiple times. I am now worried about the impact on my credit score this will have, since prior to this issue i have been making payments on time and consistently.
Consumer complaint received 2020-06-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX XX/XX/2016 {$510.00} This account is an result of identity theft. I had no knowledge of this account. please investigate. I had no such luck with the company.
Consumer complaint received 2020-09-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (CA)

I received a notice in the mail dated XX/XX/2020 from Wakefield and Associates, Inc, stating that I had a balance of {$1200.00} owed to XXXX XXXX XXXX XXXX. I contacted this company and they verified, I do not have any balance with them. I never owed any money to this establishment to begin with, nor was I ever contacted by XXXX XXXX XXXX XXXX! I did call Wakefield and Associates to speak about this notice, when asked to provide their license number, the man who called himself, " XXXX '' did not give me this information. When asked to confirm the name of the business and address, he was unable to fully give me the address of this business as stated on the letter I received in the mail. He then asked for my date of birth and other sensitive information such as my last 4 digits of my social security number! Definitely did not disclose that information with him over the phone.
Consumer complaint received 2020-06-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A. (OH)

PNC has lost connectivity with the investment app XXXX. XXXX  can be used for investment as well as long term savings and establishing an IRA. The inability of PNC to link my account with XXXX  has prevented me from participating in this investment opportunity.
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK (TX)

On XX/XX/XXXX, they texted me a prompt to confirm a transaction ( of {$700.00} ), then instructed me to attempt the payment again, and misled me to believe that said transaction had been declined- only for it to have gone through in the first place. I did what they asked of me and immediately canceled the first transaction ( after confirming w/ them via text ), not realizing that it had actually gone through, thus causing any subsequent attempts to fail due to my now over-drafted account. I am now late on rent and getting charged {$80.00} per day of being late. This situation has compromised me in more ways than XXXX and Discovers only response ( on XX/XX/XXXX ) was that they have no control over those automated texts. They also stated that my funds would be back today ( XX/XX/XXXX ) and it is now XXXX XXXX XXXX and I have yet to see anything in my account.
Consumer complaint received 2022-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Upgrade, Inc. (NC)

I have never been late or missed a payment on this XXXX XXXX credit card ending XXXX. This company has repeatedly turned card off or suspended it for their system errors. Spoke with Upgrade Supervisor and they apologized and stated that Upgrade back office removed payments and then re allocated them due to XXXX adjustment. Their computer system showed me as missing payment because of this yet, I have never missed a payment! Their faulty illegal system also wouldnt let me pay extra towards card ( proof attached )
Consumer complaint received 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: WELLS FARGO & COMPANY (CA)

My credit scores dropped a lot. I checked my credit report. There are some hard inquiry that not I authorized. 
Inquiry company : Wells Fargo Inquiry date : XXXX XXXX and XXXX XXXX Inquiry company : XXXX XXXX XXXX ( Auto ) inquiry date : XXXX XXXX Inquiry company : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX Inquiry company : XXXX XXXX  consolidated inquiry date : XXXX XXXX
Consumer complaint received 2020-09-29
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: EQUIFAX, INC. (AZ)

I have submitted multiple disputes to get accounts removed from my report. I am a victim of identity theft since XX/XX/2007. These negative accounts that are not mine are negatively affecting my credit, and not allowing me to get the loans I need for my business.
Consumer complaint received 2020-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have submitted multiple disputes to get accounts removed from my report. I am a victim of identity theft since XX/XX/2007. These negative accounts that are not mine are negatively affecting my credit, and not allowing me to get the loans I need for my business.
Consumer complaint received 2024-03-01
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (VA)

A request for debt validation was requested via phone on XX/XX/2024. I requested at that time that all further communication be in writing. On XX/XX/XXXX Genesis mailed a letter, not a validation of debt, demanding payment. They now call me daily to collect this debt I do not owe the originating company any money. I have written agreements from authorized agents of the originating company that I do not owe anything for the items they are claiming. 

The underlying debt is invalid, Genesis ' claims are invalid and their tactics to collect the debt are in voliation of legal practices.
Consumer complaint received 2020-09-29
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AES/PHEAA (NV)

I have sent over verification of my signature which showed that this account is not mine. I have sent several letters asking for verification of the debt sending a wet ink signature showing that this acct was signed for. They ignore my request and only send a letter asking if I want to try to apply for a loan discharge. When 99 % of people applying for this discharge has been denied. This is according to a current lawsuit against Federal Loan Servicing. 
They never responded to my letter and it's over 30 days. So they are in violation of FDIC and FDCA
Consumer complaint received 2020-09-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MI)

Im having a problem with I.C. System INC they are a debt collector for XXXX  communications. They are saying I owe XXXX the Information was updated XXXX. Theyve put 3 derogatory remarks on my XXXX  credit report for the same account. Ive had this same issue with a different collection agency for XXXX  for the same XXXX owed to them but this was on my XXXX  report. I spoke with XXXX  and disputed on my XXXX  and the account was removed from my XXXX. Now 5-6 months later its a different debt collector and a different credit report. And everyone knows you cant call and speak with anyone at XXXX. I called i.c. System inc and told them I have a letter from XXXX  and the account does not belong to me the account belongs to a guy named XXXX my name is XXXX these are 2 different names! The address that this account is linked to Ive never lived at! I also currently have a open XXXX  account in good standing, and Ive had this account open for years. They do not care! They told me to contact XXXX  about this account. And hung up on me!
Consumer complaint received 2022-11-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC. (FL)

I purchased a XXXX XXXX XXXX on XX/XX/XXXX. However, due to a medical disease, I ended up having to remove my left eye on XXXX XXXX. Needless to say it was just a few days after I purchased the truck I became disable. I am now receiving XXXX due to XXXX, but I can XXXX XXXX. My initial car payments was originally {$840.00} due on the 25th of every month which was not a problem because I worked and I made the money in order to pay this but now I am on state XXXX, because of my XXXX, and. The finance company just keeps adding on the interest. My payments are not going down. I paid every week but none of my payments go anywhere and they do not try to work with you. I make weekly payments and its still not good enough for them. They said that I have broken payments but its not true and you dont know who to believe you talk to someone different all the time and everybody says something different. This is a set up for failure. They have tons of complaints. People complain about the same thing its not right that they can just do this to people especially when youre trying to keep the stuff that you purchase Then they say they send letters that I never get you cant see anything on the websites besides the payments that youve made and I pay for my bank account so I can see them but they dont make it easy to work with you they are very rude and they can care less. I am still trying to keep my car. I just wish somebody can help.
Consumer complaint received 2020-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc. (WI)

XX/XX/XXXX. Amount {$270.00}. Back in XXXX I was put into collections with XXXX XXXX XXXX for a bill that started out over {$300.00}. I don't remember what collections company I was paying back in XXXX but I made around 5 or 6 payments. When I went to make another they informed me my account showed XXXX owed. I wanted to make sure it was true. So I called XXXX they informed me on their end it showed it was payed off. It was NEVER showed on my credit. Since XXXX I've had a XXXX  bought a house and got XXXX. Now ALMOST 5 years later. I got a letter from a place in North Carolina. stating I owe money. I called XXXX and they said NOW it shows I owe {$270.00}. I stated to the lady it was PAID back in XXXX according to the collections company and YOU guys. Apparently they now have a new Collections company and it's showing I owe. This is ridiculous! This is nearly 5 years old and told by both them and the collections back in XXXX everything was good. And now it randomly says I still owe!?!?!