davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-23
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. (MD)

I filed a Complaint last XX/XX/2022 requesting that you need to make an investigation regarding to the disputed account from my credit report as well as update this account from my report during the investigation period. As of this date, you have failed to respond to my request. ( XXXX XXXX XXXX XXXX XXXX Balance {$0.00} )
Consumer complaint received 2022-02-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

1- Because of the COVID-19, federal government allowed bank to not to collect mortgage payments for 6 month.

2- When that time ended, WELLS FARGO put us, the owner of the house ( XXXX XXXX XXXX XXXX XXXX  PA XXXX ) in a corner : Either pay the 6 months ( {$17000.00} ) back at once, or the bank will take the house back. Since the 6 months ended, we resumed monthly payments, never missed one. 3- We
asked WLLS FARGO to just increase the monthly payments until we catch up with the balance. Bank insisted on taking the house back. Bank is doing now the paperwork to take the house back.
Consumer complaint received 2021-06-12
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: WELLS FARGO & COMPANY (MD)

I noticed multiple hard inquiries on my credit reports that I didn't authorize nor did I benefit from the inquiries. The date was XX/XX/2019. I have reached out to each of these companies on multiple occasions letting them know that didn't have permissible purpose but they have not removed these unauthorized hard inquiries.
Consumer complaint received 2021-06-12
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX This letter is my LAST request for you to remove your inaccurate and unverifiable accounts from my credit report. Once again, note that this is not a refusal to pay, but a notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

The following accounts remain unverified, even after multiple attempts to receive validation from you. I request that these accounts be immediately removed from my credit report with all credit bureaus that you report to : EXPERIAN Furthermore, I believe I may have received telephone communication from your company even after I specifically requested to not be contacted by phone. As you know, this constitutes a violation of the FDCPA. I will be closely reviewing every call I've received from unknown numbers, but I am nearly certain these calls came from your company. 

According to the FTC, consumers can sue a collector in a state or federal court within one year of the date the FDCPA was violated. Consumers can sue for damages, like lost wages and medical bills. Even if a consumer can't actually prove damages, they can still be awarded up to {XXXX plus reimbursement for attorney 's fees and court costs. A group of people suing as part of a class action lawsuit can even recover money for damages up to {XXXX}, or one percent of the collectors net worth, whichever amount is lower. 

Best Regards, XXXX XXXX XXXX
Consumer complaint received 2024-02-21
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (DC)

I applied for no interest financing with XXXX XXXX and they directed me to Sychrony bank for credit approval. I have a credit score above XXXX, only one credit card with a {$0.00} balance and I have never been late on any payments, yet I was denied. 
Scychrony requested a selfie video and a copy of my drivers license. 
I was very uncomfortable making a video and think this is unnecessary since they require a copy of your id. 

Now I have this hard inquiry on my credit and a denial. I have never been denied credit and this does not make sense. This appears to be discrimination because I do not have any negative marks on my credit report and there is no reason to deny someone with an excellent credit score. 
I called them and they would not give me an explanation of the denial.
Consumer complaint received 2024-03-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Phoenix Recovery Group (CA)

This was put on my collections, however, I have never been sent any form of information regrading this debt. Via mail, email, only phones calls with no voicemails left over. This was put in collections in XXXX XX/XX/XXXX, it is now XX/XX/XXXX of XXXX and the statutes of limitations 15 USC CODE 168157 states that collectors have 4 years to collect a debt in the state of California. It has now been XXXX, I have tried to come to an agreement. My agreement was XXXX dollars out of XXXX, yet I have not been sent any form of proof of debt, my signature or anything. Simply a collection in my account that I continue to fight that I am exhausted of fighting for and want off my account IMMEDIATELY. The statue of limitations needs to be enforced to this debt and removed from my account
Consumer complaint received 2018-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Hello, My issue is with XXXX XXXX. XXXX. I 100 % believe this is a scam collection agency. I graduated from XXXX XXXX XXXX. XXXX says my account was opened in XX/XX/XXXX and it's a private collection. They contacted me XX/XX/XXXX to make payments on a account that is worth {$22000.00}! I have sent money ( {$50.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX ) I tried on many different occasions to contact the company, but the number was always to a different company. I also sent them a letter in the mail XX/XX/XXXX stating my new home address I received NO RESPONSE. I became Extremely Suspicious XX/XX/XXXX when this so called " TEXAS BASED company called me on a Saturday Morning from a XXXX WASHINGTON DC BASED phone number! What company calls on a SATURDAY MORNING from a completely different number? I will no longer send them any money and I WANT THIS FAKE COMPANY OFF MY CREDIT REPORT!!
Consumer complaint received 2024-03-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Financial Corporation (WA)

XXXX FCRA, XXXX has not provided validation or proof of ownership of this debt as previously requested. Remove this account from my credit report. 

XXXX Report XXXX XXXX Date Generated XX/XX/2024 2024
Consumer complaint received 2022-10-07
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. (AL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately 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 2019-07-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (CA)

RE : XXXX Employee No. XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX   XXXX XXXX XXXX ( XXXX  ) Salary Policy XXXX Claim No. XXXX ( XXXX ) XXXX Claim No. XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX  ) Salary Policy XXXX Claim No. XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Claim No. XXXX XXXX   Dispute Report No. XXXX XXXX Dispute Confirmation No. XXXX XXXX   Dispute File No. XXXX On XX/XX/XXXX I had a telephone discussion with Ms. XXXX XXXX XXXX, Disability Specialist with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. operating on behalf of my employer, XXXX XXXX ( I.e. XXXX XXXX XXXX XXXX ). Our primary topic was the {$2000.00} alleged overpayment from XXXX to me, based on XXXX XXXX   data indicating I somehow transitioned from XXXX XXXX XXXX to XXXX XXXX XXXX during XX/XX/XXXX and an overlap occurred of the two XXXX payment types ( XXXX vs. XXXX ).

I neither applied nor transitioned to XXXX XXXX XXXX and XXXX XXXX cancelled XXXX Claim No. XXXX on XX/XX/XXXX.

I never received XXXX and XXXX payments simultaneously, as I never received any XXXX payments at all.

My explanation during the call with Ms. XXXX was as follows : XXXX Looking at Spreadsheet 2 ( XXXX   ), Column H, notice that the pay period of any XXXX  Payment Voucher listed does not go past XX/XX/XXXX, which was the end date of my XXXX period. However, my XXXX claim was denied by XXXX / XXXX XXXX on XX/XX/XXXX and all payments cancelled at that point. The denial was overturned on appeal XX/XX/XXXX and all XXXX payments up to XX/XX/XXXX were supposed to be completed as soon as possible thereafter.

XXXX did not commence a XXXX period or XXXX payments on my behalf during XX/XX/XXXX as no application forms and medical records were submitted to XXXX  and I immediately requested XXXX  to stop the XXXX -> XXXX  transition anyway. There is {$18000.00} worth of XXXX payments in Spreadsheet 2 that XXXX   Payroll has never disbursed to me, and XXXX XXXX / XXXX  appears unaware or unconcerned about this non-payment. Thence, the XXXX  Salary Plan did not overpay me by {$2000.00}.

( Please review attachments XXXX -and- XXXX. ) XXXX Ms. XXXX concurred with my explanation ; XXXX XXXX cancelled & removed the {$2000.00} from debt collection. On XX/XX/XXXX, however, XXXX XXXX reactivated the {$2000.00} amount and assigned it to Adler Wallach & Associates , Inc. ( AWA Collections ). This action significantly compromised my ratings with all three credit bureaus XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX as well as with XXXX XXXX XXXX ( XXXX ). I disputed the AWA Collections account with all three credit bureaus during XX/XX/XXXX. XXXX XXXX deleted this account from my XXXX credit file on XX/XX/XXXX as a result of their investigation of my Dispute. However, XXXX  and XXXX  decided not delete this account, with no specific explanations.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow XXXX disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2022-12-02
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. (NY)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am writing to complaint to CAPITAL ONE about the reported incorrect and inaccurate information on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX # XXXX XXXX, FL, XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/1966. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the late payments them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing
Consumer complaint received 2022-12-16
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. (FL)

My social security number was use to co-sign loan without my authorization. When loan was taken out I was XXXX XXXX in military station in XXXX on deployment. I contacted loan company and fill out forgery form and no action was taken about it. I filled out identity theft report on FTC. Please remove from credit report because this is fraudulent. Any more information that is need please reach out
Consumer complaint received 2022-02-04
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc (FL)

Hunter Warfield is harassing me, lying on me saying i gave them permission to contact me, when last year i told them directly and i think filed a complain with the CFPB to not contact me. Every time i called this company after that they told me i have to Rescind my communication with them to speak with them which i never did which always results with them hanging the phone up on me. We can get them to forward all the phone calls from my number XXXX to further verify what im saying. They claim they have a debt in my name, and not once did they sent me any type of information about this claim. They were reporting a collection on my credit report for months not verifying anything. I disputed this with XXXX, after three attempts they remove this collection. Now this has been removed Hunter Warfield literally lied stating that i gave them permission to contact me. where is the phone call, or email stating that. i haven't been in contact with this company since the last time they hung up on me. So this is crazy to me a company would stoop this low to harass me. I am not taking this lightly this is definitely fraudulent, and unprofessional behavior. Attached is the email i received on XX/XX/2022 from Hunter Warfield office
Consumer complaint received 2024-02-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: PNC Bank N.A. (OH)

I claimed bankruptcy in XXXX of XXXX. In the bankruptcy was a private school loan from National City Bank, ( XXXX XXXX ) now PNC. Now my wages are being garnished at 25 % each paycheck. Loan amount at the time was {$10000.00} This loan was taken out in XXXX. I know I used funds for schooling and to pay bills because I wasnt working full time during school. I was advised by my attorney file a complaint with your organization in regards to this matter. Now XXXX, trying to garnish my wages. Please advise. Thank you.
Consumer complaint received 2021-06-12
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. (FL)

i sent XXXX vaildation XX/XX/2021 not vericatiion they was not able to provide infomation i requested I never signed hipaa release form with the following alleged medical creditors Therefore these are inaccurate hipaa violations and i want these deleted off my credit report immediately Hippa laws protect my medical and personal information and without my consent now you are aware and i must have those deleted off my credit report immediately 45 CFR Part 160 Pursuant to 45 CFR part 160 and part 164 subparts a and ( c )
Consumer complaint received 2021-04-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I submitted an ID Theft report on XX/XX/2021. This is the second time I have submitted a report to the bureaus concerning identity theft. They refuse to block the information and everything in the report is factual and under penalty of perjury. You are violating the FCRA and my federal rights as a consumer. Pursuant 15 USC 1681c-2 this information should be blocked immediately.
Consumer complaint received 2024-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I made a cash deposit on a Monday night at a Bank of America ATM for my business account around XXXX. I Had a very busy weekend in transportation and had bills coming up usually no problem it posts immediately. This time the ATM decided to eat my money and not give me credit for my deposit. Since it was late Monday night around XXXX no one was available to be reached on the phone until Tuesday morning. Frustrating, So I call first thing XXXX Tuesday morning. Documented that the first person told me to wait one business day for it to post before making a claim. Unusual, but I went along with it. Cash posts immediately so highly unusual to begin with. Next day comes around, Wednesday nothing in my account. So I call to make the claim. This is when I reached a very nice representative, but everyone including him starts blaming each other and says this could take 2-10 business days to rectify!! Meanwhile, No provisional credit given. See, Usually in this case, banks give the credit for the amount until their investigation is over. Not Bank of America apparently. This has not happened. In the meantime, my insurance payments and credit cards are due, i am unable to work because it requires money and im stuck waiting losing money because I can not work until I get this cleared up. This has cost me around 15 billable hours around XXXX this week alone while screwing my credit up and causing more expensive bills for 30 days until I can get moving again. This has caused serious damage to my financial situation and they are not helping. Thursday comes around still nothing, I go into the bank speak with a branch manager directly. I am on hold on the phone at the same time with bank of America customer service, 30 minutes pass I finally reach someone to speak with. This person lies to me about my situation its awful at first. I ask the manager to come in, the woman on the phone changes her voice and everything she said. Starts talking sweet. As the manager listens she shakes her head seriously appalled for me and how badly this situation is screwed up for me. Finally we get an expedited urgent 48 hour review to get this fixed and no response yet. Friday has passed and still nothing. Very few options left, Saturday is coming, holiday on Monday. If they do not update or give me my money ill be filing a police report for theft on Saturday. Basically so we can get the video footage proving my whereabouts. Trust me, I dont want to be on here complaining but this has caused too many issues and stress. All employees do is give you fake sorrys and its awful. Completely helpless. They do not care about the consumer nor even try its all follow orders. They only care about regulations and bs. Dont trust them with your money. I will be closing all my accounts not just because of a mistake, but because of how it was handled, the lying, lack of knowledge/care for me so I thought everyone should hear my horror story. I still havent received my money its almost Saturday.
Consumer complaint received 2019-05-24
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: HSBC NORTH AMERICA HOLDINGS INC. ()

Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States back on XXXX, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX  reports also i have already made report at XXXX 1. Hsbc Bank XXXX XXXX XX/XX/XXXX 2. Hsbc Bank Usa Na XX/XX/XXXX 1. Hsbc Bank Usa Na XX/XX/XXXX 2. Hsbc Bank Usa Na XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-06-29
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. (LA)

I contacted the XXXX XXXX XXXX in an effort to verify that the information being reported on my credit report was accurate back in XX/XX/XXXX. I have sent several letters asking for proof ( with my signature ) that the amounts they are requesting be verified. They have sent letters back and included an e signature on a promissory note. They garnished my income tax last year and this year. This years garnishment was done in XX/XX/XXXX which totaled {$6900.00} I just pulled my credit reports on XX/XX/XXXX and they are still showing that the balance that I owe DOES NOT reflect that anything was paid towards the balance. In other words prior to XX/XX/XXXX my balance that they said I owed them was {$12000.00} and upon pulling my credit report on XX/XX/XXXX the balance still shows that I owe them {$12000.00} which is incorrect. As of today XX/XX/XXXX I logged into my debt summary for the XXXXXXXX XXXX XXXX and it shows that I only have a total of {$6200.00} in student loan debt. This inaccuracy on my credit report is causing a drastic problem with my scores and I need them to report accurately and remove this debt totally from my report!