davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-22
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. (NY)

My name is XXXX XXXX and I am contacting you regarding account XXXX Reported : XX/XX/2018 - {$420.00} Closed showed up on my Equifax credit report. It is fraud and it does not belong to me and I would like it removed from my credit report at once. I am a victim of identity theft but it seems like every time Equifax is forced to remove something off my credit report they find something else to add to drop my score. Please make them remove this fraudulent account because it doesn't belong to me. Also I have asked them several times to add my employer which they refuse to do my employer is XXXX XXXX XXXX XXXX. My credit score should be at almost 700 if things were reported correctly by Equifax
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry.
Consumer complaint received 2018-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (GA)

PNC purchased our mortgage. We DID NOT originate with them. We had a flood in our home which caused over {$40000.00} in damage. Our insurance company listed PNC as party to the claim check for rebuilding. PNC made us send them the check and now refuses to release any funds even though we've completed the work and had to pay for all of it out of pocket. I ( the owner ) performed all repairs myself, with my own hands, yet PNC is trying to force me to buy liability insurance at a cost of {$1000.00} insuring myself against any liability arising from me suing myself ; which is absurd. Further, PNC claims XXXX law requires me to have a license to perform repairs to my own home ; which IS NOT what XXXX statutes stipulate. I have spent approximately 6 hours on the phone with PNC in an effort to resolve the issue. At XXXX point I spoke with a person named XXXX ( XXXX hours on the phone ) and XXXX said, after reviewing our closing documents and speaking to multiple supervisors, that I did not need the insurance and that I could make the repairs myself. Thereafter, when I called back because no check had been sent, the new agent on the phone started from square XXXX saying I had to have insurance and a license. It was as if the previous ( grueling XXXX hour argument XXXX call with XXXX never happened! At this time repairs have been completed but PNC refuses to send their inspector out to confirm completion of the work or to release any funds. Due to PNC 's illegal holding the proceeds from our insurance claim my wife and I have been forced to come out of pocket to pay for the rebuilding of our home and load up our credit cards paying for materials. We incur interest on that debt. A law suit is pending, however, consumers should be aware of PNC 's awful practice of holding your insurance funds hostage after your home has been destroyed by a flood.
Consumer complaint received 2023-01-12
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. (IL)

so I have problems with a few companies and what they are reporting on me the companies would be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese companies are reporting false information to the data furnishers which results in my credit report being inaccurate and has a major affect on my score. I have spoken with XXXX and XXXX XXXX XXXX and ask them to update the information due to fraud with my identity I also have the case on file with the FTC and XXXX. It is a unknown bill in my name reporting collections from XXXX in the amount for {$1600.00} on my Experian. XXXX XXXX XXXX is reporting a closed account in my name for the amount {$17000.00} They also are updating a balance on account that presumes as closed which is also in violation of my consumer rights according to the FCRA. As for XXXX XXXX XXXX they are reporting a collections account in the amount of {$4800.00} due to the fact that I had my baby on XXXX XXXX and they are charging me for an unknown service that I have no knowledge of because before even having my baby They were asked do they take my insurance and the hospital that performed the XXXX ( XXXX XXXX XXXXXXXX XXXX  ) assured me that they accepted my insurance at the time which was XXXX XXXX XXXX and it would be billed to them now years later I am seeing a billed collection in my named due to misinformation on the health providers side. Also XXXX deleted it off of my account now XXXX and Experian are showing inaccuracy because they will not delete it and the account was never verified by me I also spoke with them and the account is under dispute.
Consumer complaint received 2018-06-27
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (SC)

This company Midwest Recovery appeared on all three of my credit reports. I have never heard of XXXX XXXX they have them listed as the original creditor. I have written the company to validate this collection and have not received any response. This is not my account. I have never applied for a payday loan. I would like this removed from all 3 credit reports. The amount {$600.00}. They put this account on my credit on XX/XX/2017.
Consumer complaint received 2019-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/XXXX, a bank-to-bank payment I scheduled through WellsFargo.com was processed incorrectly, causing my other bank to flag it is fraudulent. I contacted my other bank immediately, approving the charge, but as it had been blocked Wells Fargo suspended this account for transfers on XX/XX/XXXX, refusing to let me rectify my checking account balance OR pay my associated Wells Fargo Credit card. I contacted Wells Fargo on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to have my Bank-to-bank payments reinstated for this account, but in all but one case I have received a canned response with a different name of a supposed " Wells Fargo Associate on it. '' The one time I did receive a personalized response, from XXXX XXXX, she still failed to actually read my message or make a relevant response, instead going of on a totally unrelated tangent. I have not been able to reach her since and none of the supposed " associated '' ( bots ) will respond to my followups.
Consumer complaint received 2022-10-06
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. (CA)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$11000.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$8600.00} ), XXXX XXXX XXXX  ( Date Opened XXXX XXXX, XXXX, Balance : {$3500.00} ), XXXX BANK ( Date Opened : XXXX XXXX, XXXX, Balance : {$1500.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$820.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$7300.00} ), XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$1600.00} ) Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2021-06-10
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. (MO)

There are 3 accounts that are reporting on my consumer report that are in violation and this is a Violation of my Consumer Rights as a Federally Protected Consumer. Because of these violations, I demand that all 3 of these accounts be removed/deleted from my consumer reports. I Called XXXX, XXXX, and Equifax XX/XX/2021 and all 3 bureaus said that there is no such law and they dont have to remove anything. I explained My Consumer Rights and the laws they are in violation of but I am not being taken seriously.
Consumer complaint received 2019-10-22
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (FL)

The statement stated that I had to pay a certain amount in order to avoid accrued finance charges, which I paid. 
The statement is not clear, because I have three promotional statements, and because I only paid the full amount for what I read, the minimum for the other two accounts were taken from the monies that were allocated for the first promotional statement, leaving it short a few hundred dollars, which as a result, accumulated over {$2700.00} in interest. 
The way the statement is presented is confusing so that consumers get tricked into not paying the full amount. If they look at the account, it clearly shows that the intention was to pay in full and avoid the interest.
Consumer complaint received 2017-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (MI)

I recently opened a Barclaycard because of its zero percent balance transfer rate. Barclay attempted - succeeded - in a balance transfer for twice the amount I actually owed on my XXXX XXXX card. In addition, while Barclay shows the balance now on that card there is still the original balance on the XXXX XXXX card. So now I have gone from a $ XXXX debt to $ XXXX debt simply by attempting a balance transfer. Both banks claim the other bank has to resolve the issue. XXXX XXXX says there is no payment from Barclay but Barclay shows the two erroneous balance transfers. I have tried getting help from both companies to no avail. Both say " wait and see it if it fixes itself. ''
Consumer complaint received 2022-01-12
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

As a senior citizen I open a Title Loan # XXXX with XXXX XXXX to pay for my wife 's emergency medical procedure. I did make all payments on time as agreed in the contract. Since XXXX of 2021, I have been trying to pay the loan, XXXX XXXX made it difficult to pay while the loan is accumulating interest at {$14.00} per day. On XX/XX/2021 I attempted to pay {$6700.00} XXXX XXXX only accept {$4000.00} and forced me to defer the remaining balance of {$29000.00} for XXXX more days while interest of {$14.00} continued. I final paid of the Loan on or about XX/XX/2021. I sent a letter to XXXX XXXX requesting a refund for over payment and was ignored. ( see attached ) Since I never received a respond, I contacted my Bank and requested to dispute {$1000.00} from the {$2900.00} paid. XXXX XXXX reinstated the loan and send me bill for {$1900.00} and I received numerous threaten phone calls from XXXX XXXX to do great badly harm to me and my family if I don't pay. ( see attached )
Consumer complaint received 2019-07-25
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. (AL)

XXXX ; Experian and XXXX  are incorrectly reporting multiple medical collections on my credit report. ( Please see pages 11, 12, and 13 of the attached credit report. ) I have attached a spreadsheet listing the name ; account number and amounts of the medical facilities that have been paid directly by my workers compensation claim. There are no outstanding balances due and owing. This incorrect reporting is harming my credit score and all of these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus directly to resolve this, but I have not been successful.
Consumer complaint received 2018-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

I made several payments to my Wells Fargo Home Mortgage account via XXXX Ca Branches, back in XX/XX/XXXX and XX/XX/XXXX that they did not apply my funds to the account. On my statement it states, UNAPPLIED FUNDS. In XX/XX/XXXX Wells Fargo changed my loan number without my consent. Theyve been threating me and my property of default foreclosure and now eviction. Earlier this year they were trying to sell my property in a Public Auction which stated that I initiated the auction. Prior to that I attempted to bring my loan current with the amount they are saying I owe, by going to all three XXXX Ca Wells Fargo Bank branches and make payment. All 3 WFB refused my payment stating the loan number account does not exist. The Bank manager stated I shouldve been out of my house since XX/XX/XXXX. He pulled up my account somehow and it stated that I only have paid {$1000.00}. When I purshased my home in XXXX I made over 20 % down payment. How can this be? Now currently XX/XX/XXXX the XXXX XXXX Sheriffs are coming to my home and Evicting me. I hope we can resolve this because I have documentation to prove my case.
Consumer complaint received 2018-05-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This account should be removed from my credit profile of all three bureaus because the creditor has failed to provide documentation of the debt as well as their right to collect for the third party. I have never heard of the third party company which this creditor is collecting for.
Consumer complaint received 2019-07-25
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. (AL)

XXXX  ; XXXX and Transunion are incorrectly reporting multiple medical collections on my credit report. ( Please see pages 11, 12, and 13 of the attached credit report. ) I have attached a spreadsheet listing the name ; account number and amounts of the medical facilities that have been paid directly by my workers compensation claim. There are no outstanding balances due and owing. This incorrect reporting is harming my credit score and all of these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus directly to resolve this, but I have not been successful.
Consumer complaint received 2019-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2018 there were multiple transaction occur on my Bank Of Emerica Account. There were two transaction went thru : {$1000.00} cash withdraw at ATM at XXXX XXXX XXXX Illinois {$380.00} purchase at XXXX XXXX ( XXXX XXXX ) I was at work at XXXX Texas at the time. I call the bank and went to bank of America to close and withdraw all money remain on my account. After that I submited claim and file police reports multiple time but got denied. I event submit Police report but still have no money refund to me until now
Consumer complaint received 2022-10-06
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SANTANDER HOLDINGS USA, INC. (LA)

On XX/XX/XXXX, Santander sent XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, LA XXXX XXXX to my house and repossessed my XXXX XXXX XXXX XXXX vin number XXXX in violation of The statute of limitations is Collection of Debt on Account 3 yrs. Civ. Code 3494 ( 4 ) has passed on the debt. Please read the previous complaint filed in XXXX and other previous complaints regarding this issue. My son has no way to get to work. all our belongings are in the car he will lose his job. They have continued to harass me by sending random people at all hours of the night on my property scaring me because I do not know who they are and they do not identify themselves. Santander was made aware of this in XXXX of XXXX in the previous complaint .santander charged it off on the credit report and stated in court papers they no longer want the vehicle
Consumer complaint received 2019-07-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (CA)

I noticed an account on my credit from a company called Resurgent- LVNV Funding/ Account Number XXXX. I did not have their phone number so I sent them a certified letter disputing the validity of the debt based on the information that was available to me on my credit report. 

The letter was received- however, it's been 60 days to date and the account remain on my credit. They have yet to contact me and or remove the unknown entry.
Consumer complaint received 2021-09-23
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. (TN)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2019-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report. I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2023-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX is furnishing inaccurate information on your Consumer Report. I want it deleted off the report within 14 days. 

1. XXXX XXXX XXXX was originally on the report as XXXX XXXX XXXX balance {$220.00}. after calling XXXX XXXX XXXX billing department, they couldnt find any account that ever been in my name as for XXXX XXXX XXXX I was an able to find out any information or what company this. I have tried several attempts to call around finally no resolution. Department of education.XXXX a student loan is reporting twice on the report. A. {$4200.00}. B. {$2300.00}. Which shows I have three closed accounts that is in accurate for seven months calling around, trying to come for some resolution with no luck still.
Consumer complaint received 2019-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

I have contacted Experian to remove the inquiries off my record that I dont recognize and told them all of the inquiries doesnt have my WET-INK signature required by Law pursuant to the FDCR Act except for one that I can verify. But they did not comply and act according to the Law.
Consumer complaint received 2021-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (MD)

Regarding : Southwest Credit Systems , L.P. at XXXX XXXX XXXX Southwest Credit Systems placed a {$43.00} collections account on my credit report on behalf of XXXX XXXX. XXXX XXXX reached out to me before this bill was sent to collections and notified me that I was in fact delinquent ; I paid off the bill in question, again before I understand this account was sent to collections. 

Nevertheless, the tradeline was sent to Southwest Credit Systems who reported the account to the Credit Bureaus as collections activity. I filed a dispute with Southwest and indeed the tradeline was found to be paid in full. Now the account sits on my credit report erroneously, dropping my credit score precipitously, and preventing me from qualifying for a mortgage. 

Please help, XXXX
Consumer complaint received 2017-07-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Weinberg Mediation Group LLC (FL)

Just wanted to report these numbers that have been calling me to harras me constantly. I called back one of the numbers and the guy started flirting with me automatically I knew that these ppl are a scam. here are the numbers please do something so that they can stop calling an harassing ppl. XXXX & XXXX. I am tired of these calls.