davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

I am trying to communicate with wells fargo. all my home equity payments have been made. I did not agree to any deferment, nor did i answer any of my mail, due to problems with the mail, i didnt even get any of their letters. 

They keep trying to charge me with a deferment, and therefore affect my credit, and my creditworthiness. 

they promised me a detailed letter and proof that they said i called in asking for a deferment. I never called in, i call quite often to go over my account. that is it. 

they promised to send a detailed letter, and instead they sent a pretyped letter with no signture, which i cant understand. T This seriously damages my credit, and they are treating me disrespecful, denying my rights as a disabled person, to understand their literature, refusing to go over my account with me, and sending ambigous literature. i asked for a detailed accouting of all my payments, and they did not send that either. 

i wish to file a grievence, i am on hold fo rlong wait times, they sometimes have a tape on that they are not open,
Consumer complaint received 2021-01-13
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: Credit Karma (NC)

I logged into check my Credit Karma Score and found out that somehow a Credit Karma savings account was opened in my name that I did not open. I contacted Credit Karma about the account and told them I didn't open the account. They kept asking if I wanted to close my account as if I opened it. I told them each time I wanted the account deleted as I never signed up for it. They asked me if I wanted to close my account again and again. It's not my account. I did not sign up for it. There has never been any activity on the account from what I can see. No bank accounts linked nor any transactions.
Consumer complaint received 2021-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America continues to report that I have a delinquent account with an outstanding balance on a closed account. I never received a bill and it was sent to collections even though I made payments in XXXX and XXXX. I spoke with the company via phone during both years and it now still appears as a derogatory account on my account and no one has helped me. I have disputed the companies claims because they sent me to collections and refused to hear my plea during going through a divorce.
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

Since XXXX, I have been disputing XXXX bank over the validity of a XXXX account on my credit report. The account, along with several others, from XXXX bank, was fraudulently opened between XX/XX/XXXX and XX/XX/XXXX. The XXXX card was opened XX/XX/XXXX according to my credit report. It was not until XXXX that I discovered these accounts while trying to obtain credit. I later found that two accounts were opened for XXXX through XXXX bank. After disputing and sending police report, one of the accounts was removed. The other XXXX account was not and I had to do a settlement XXXX in order to obtain my home loan. I was informed that the trade line would be removed just like the first XXXX account. It has not. Since then, I have submitted numerous disputes to no avail. I spoke to several representatives today for both XXXX and XXXX XXXX ( as they acquired some XXXX accounts in XXXX ). When speaking to supervisors for both, they both inform that they do not have record of the account and to call the other. I have been going in circles for month with the Credit Bureaus as they tell me that someone is " blocking '' the dispute but both companies say that they do not have it. They both state that they have no record when looking up the account using my social, birthdate or account number and that they can not do a dispute with the credit bureau on my behalf because they do not see any account for XXXX for me. I am also having the same issue with my XXXX account, yet they still somehow show verified. When I initially did the police report, I only reported two accounts from XXXX and throughout the year became aware of more as the year went on. They utilized the police report for other accounts, including the second XXXX account, as they found it suspicious that many of the accounts were opened on the same day and/or within a short time period from each other. These accounts are hurting my score and everytime I dispute they seem to hurt my score even more as they report it as if it is a new debt. At this point, I have become increasingly frustrated as I am already dealing with financial issues surrounding COVID and to have both companies telling me they can not help in this matter does not make it better. I have even paid these accounts that were fraudulently obtained in the first place and I still can not get any resolution.
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Since XXXX, I have been disputing XXXX bank over the validity of a XXXX account on my credit report. The account, along with several others, from XXXX bank, was fraudulently opened between XX/XX/XXXX and XX/XX/XXXX. The XXXX card was opened XX/XX/XXXX according to my credit report. It was not until XXXX that I discovered these accounts while trying to obtain credit. I later found that two accounts were opened for XXXX through XXXX bank. After disputing and sending police report, one of the accounts was removed. The other XXXX account was not and I had to do a settlement XXXX in order to obtain my home loan. I was informed that the trade line would be removed just like the first XXXX account. It has not. Since then, I have submitted numerous disputes to no avail. I spoke to several representatives today for both XXXX and XXXX XXXX ( as they acquired some XXXX accounts in XXXX ). When speaking to supervisors for both, they both inform that they do not have record of the account and to call the other. I have been going in circles for month with the Credit Bureaus as they tell me that someone is " blocking '' the dispute but both companies say that they do not have it. They both state that they have no record when looking up the account using my social, birthdate or account number and that they can not do a dispute with the credit bureau on my behalf because they do not see any account for XXXX for me. I am also having the same issue with my XXXX account, yet they still somehow show verified. When I initially did the police report, I only reported two accounts from XXXX and throughout the year became aware of more as the year went on. They utilized the police report for other accounts, including the second XXXX account, as they found it suspicious that many of the accounts were opened on the same day and/or within a short time period from each other. These accounts are hurting my score and everytime I dispute they seem to hurt my score even more as they report it as if it is a new debt. At this point, I have become increasingly frustrated as I am already dealing with financial issues surrounding COVID and to have both companies telling me they can not help in this matter does not make it better. I have even paid these accounts that were fraudulently obtained in the first place and I still can not get any resolution.
Consumer complaint received 2021-01-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

I received a notice of involuntary lien to my property for a debt owed by a relative. The relative has never lived in the property. Nor does he have ownership of the property. I am not sure how my relative became associated with my house. I did not co-sign for my relative. So, I am not legally responsible for the debt. I contacted the collection agency and explained this but I was asked to provide proof of ownership for the property along with a copy of my social security. I submitted the information and was told the information would get forward the legal team for review. I asked to get the contact information for the person that would handle the matter and was told to just call back in a week. There was no clear answer as to how soon the matter would get resolved.
Consumer complaint received 2022-09-06
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. (AL)

In accordance with the Fair Credit Reporting act ALL IN XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

As a victim of identity theft, I previously requested a 7 year Extended Fraud Alert Security Alert, which had previously been granted by TransUnion and was set to expire in XX/XX/XXXX. This can be seen on page 23 of my XX/XX/XXXX TransUnion credit report. 

As of XX/XX/XXXX, the Extended Fraud Alert is no longer listed on my credit report. As a prior victim of identity theft who was granted an extended fraud alert through XXXX, there is no reason the extended fraud alert should have been removed from my credit report.
Consumer complaint received 2021-01-13
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. (CA)

On ( XX/XX/20 ), I sent a letter regarding inaccurate and unknown accounts on my credit report. To this day, it has been over 45 days later, and I have not received a response yet. I feel like I am being taken advantage of, and my disputes are being ignored. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives a reason to remove those items from my credit report immediately. It has been well over that timeframe, so these misleading should be deleted promptly. 

I've sent out a second attempt to have the items removed ; if there are no responses again, I will move forward to file litigation due to the stress it has caused me. I have also discovered that I am a victim of the Equifax data breach, which impacted my information ; I am deeply concerned with my personal information having likely got into the wrong persons ' hands.
Consumer complaint received 2023-02-17
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. (IL)

According to 15 usc 1681 ( a ) XXXX is in violation of my right to privacy and information Id like private that is posted on my consumers report. 

Account : XXXX Account:XXXX
Consumer complaint received 2021-01-14
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. (NY)

Hello, I have been trying to get these fraudulent accounts off my credit report and I reach out to the 3 credit bureaus regarding this and they still haven't remove these accounts from my profile. This is affecting me from getting my house for me and my kids. Again, I am a victim of identity theft. These accounts listed are not related to any transaction done by me. I also called the companies regarding this identity theft and they told me to reach out to the bureaus. I have attached the FTC report below
Consumer complaint received 2021-01-14
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. (IA)

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.
Consumer complaint received 2021-01-14
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)

I have reached out to Experian and XXXX  asking them to remove an inaccurate account that is not my account. I have also contacted the creditor whereas they have no knowledge of me. I asked both credit bureaus Experian and XXXX  to provide me proof of verifying and asking where and how did they verify this account and they haven't sent me anything.Its been 120 days now still nothing. Whereas XXXX  removed the account and stated they could not verify. The account listed below is not my account, it needs to be removed off my report. 
OFFICE OF THE ATTY GEN Account Number : XXXX Experian and XXXX  failed to go by the frca laws and they are demaging my report by reporting false information. I have given then 120 days and they still have yet to obey by the laws.
Consumer complaint received 2021-01-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (SC)

Midland LLC/ Encore has repeatedly changed the amount that they claim that I owe that is currently in collections on my credit report and every month and it has also been increasing by the month while in collections which is illegal. When i called them to discuss this I am being told that they no longer deal with my account and it is now in the hands of a law firm XXXXXXXX XXXX XXXXXXXX. 

Adding monthly to an account in collections that is no longer being handled by the company at hand is not legal.
Consumer complaint received 2021-12-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: PNC Bank N.A. (OH)

I took out a loan on my XXXX through PNC bank. When I left employment with PNC on XX/XX/XXXX, I was given a letter with instructions to pay off the remaining balance with a due date of XX/XX/XXXX. There was not an ability to repay the XXXX loan via electronic transfer of funds, and the form had instructions to follow ( attached ). 
Following the instructions, I remitted a Cashier 's Check drawn on a PNC bank with PNC INcentive savings plan as the payee in the amount of {$28000.00}. The official check number on XX/XX/XXXX. I then sent the check with the documentation via USPS tracking #. The tracking numbers indicate that my check and its contents were delivered on XX/XX/XXXX. This was two weeks in advance of the XX/XX/XXXX due date. 

I contacted PNC on XXXX and on XXXX as the online account was not reflecting repayment of the loan. I was advised on XXXX that the item was received and an image was present on the account, and that the payoff would take a few days to clear, which seemed reasonable. 

I contacted PNC again on XXXX and was told a different story. This time i was told that they only process the check on the due date on XX/XX/XXXX, and that it would not post early. 

I contacted PNC again on XX/XX/XXXX and was told that it could take up to a week to reflect on the account. 

I contacted PNC again on XX/XX/XXXX because I received a notice of loan foreclosure for non-payment as well as notification that the IRS would be receiving a 1099R for the amount of the loan default. I was advised a different story again- i was not given a number to call them back directly. I spoke with a supervisor XXXX ( no last name given, no direct call back number given when asked ), who advised that he could see the funds received but it was never reviewed and therefore funds not posted. He promised me resoltion. 

I contacted PNC today XX/XX/XXXX and no activity other than a case # has been taken on my account. This is beyond the pale. PNC has had my loan repayment for 30 days, has not processed it, and this is costing me lost earnings on my money, but more importantly potential tax liability issues with the federal government. PNC has a duty to process my funds timely. 

I have photographs and copies of all documentation and tracking num
Consumer complaint received 2021-01-14
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. (CA)

On XXXX2020, I personally mailed a letter in regard to inaccurate and unknown information on my credit report directly related to the XXXX  data breach. It's been almost 60 days and I've yet to receive a response. I feel taken advantage of and dismissed by this lack of respect and consideration. Section 611 ( a ) clearly states that failure to investigate these items within 30 days is grounds for immediate removal. I demand a swift and prompt removal of all accounts disputed or I'll be forced to file litigation against all parties. Thank you kindly in advance.
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXXL XXXX XXXX balance {$0.00} This account is not familiar to me. Provide me with necessary documents to prove its mine. My petition to request this documentation is a standard information petition based on my rights given from the fair credit billing act. If you can not create this data per my civil rights inquiry, please quickly remove this particular invalid post. 

U.S. DEPARTMENT OFEDUCATION XXXX balance {$2000.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

U.S. DEPARTMENT OFEDUCATION XXXX balance {$2800.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately.
Consumer complaint received 2021-01-14
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 mailed dispute letters from my place of residency to all three credit bureaus did not receive any responses over the 45 day max period. I am using XXXX XXXX XXXX XXXX as a credit repair service. They informed me to file a report with your company. The original lettrs were mailed out on XX/XX/2020.
Consumer complaint received 2021-01-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MD)

I contacted LVNV or Resurgent Capital Services. Whenever I believe I am contacting LVNV who sent me the mailings I am linked to Resurgent Capital Services. 

Today XX/XX/XXXX - I called Resurgent Capital services to try and discuss and settle my accounts. 
1. I was informed that the accounts were now with a servicer - XXXX. 
2. I was provided the number to contact XXXX and also provided with a reference number. 
3. I contacted XXXX verified my identity and then provided the reference number. 
4. I was told by the representative with XXXX that my account was listed with a sub-servicer. 
5. The sub-servicer was XXXX XXXX XXXX and I needed to contact them to discuss the accounts, any payments and possible settlement. 
6. I received just the phone number to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and after providing all of my information I was told that they did not have my account. 
7. XXXX XXXX XXXX stated that I must contact XXXX XXXX because they MAY have my account. They provided the number to XXXX XXXX. 
8. I contacted XXXX XXXX, verified my information and was told I did not have an account with them. 
9. XXXX XXXX stated that I needed to contact XXXX again in order to find out who was the sub-servicer on the account. 
10. I called XXXX back, verified my information and provided the reference number. I explained to the representative that I contacted both XXXX XXXX and XXXX XXXX and that both sub servicers stated that they did not have my account. 
11. XXXX then told me that they did not have any further information and would have to email someone within their company in order to find out where my account was located. 
12. I called Resurgent Capital Services back and informed them of what happened. The representative stated that he could not assist. Although Resurgent Capital services OWNS the account, and I have not received any paperwork from any servicers at all that I still owed the debt even though I could not technically pay on it???? 
13. These companies do not appear to have a system in place that allowes me to discuss or even pay my debt. It feels unfair that not only could my accounts not be located but that I couldn't even pay them BUT they are reporting to the credit bureaus. 
14. If I can not pay the accounts because the servicers and sub servicers can not locate the accounts then why are they still reporting?
Consumer complaint received 2021-01-14
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)

I have reached out to XXXX  and Equifax asking them to remove an inaccurate account that is not my account. I have also contacted the creditor whereas they have no knowledge of me. I asked both credit bureaus XXXX  and Equifax to provide me proof of verifying and asking where and how did they verify this account and they haven't sent me anything.Its been 120 days now still nothing. Whereas XXXX  removed the account and stated they could not verify. The account listed below is not my account, it needs to be removed off my report. 
OFFICE OF THE ATTY GEN Account Number : XXXX XXXX  and Equifax failed to go by the frca laws and they are demaging my report by reporting false information. I have given then 120 days and they still have yet to obey by the laws.