davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-17
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)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXXXXXX XXXX Inquiry date XX/XX/2021 ; XXXX XXXX XXXX XX/XX/2021 ;
Consumer complaint received 2020-02-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (PA)

I had a furniture company try to withdraw money out my account 6 times causing 6 {$35.00} fees on top of the NSF fee the bank charged me an additional {$35.00} per fee. My account went negative over {$260.00} dollars because of this. Because I make little money I was unable to get the account out of bad standing and the account went into collections. Wellsfargo just took everything out of my good standing account to cover the balance of the outstanding account and I have. They are unwilling to work with me and now I have -XXXX in my account. I have XXXX small children and no funds to feed them. This is just wrong. Please see what you can do to help me against these unlawful practices.
Consumer complaint received 2020-02-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (FL)

My husband and I purchased a XXXX XXXX on XX/XX/2019 and got financing via the dealership. I noticed in XX/XX/2019 that the extra money we were sending to principal was actually being applied to the next months bill. I emailed the company and told them to correct this and to apply any extra money that I send in the future to principal. They corrected it and informed us that we would need to send 2 separate payments each month in order for this to happen. So for the XXXX and XXXX payment we did but yet they still applied it towards the next months payment. I then emailed them again and they said to call them as they would not correct it. I then proceeded to call them and was told there was no way I could pay towards the principal other than to call every single month, once the payment was posted. This would take 2-3 business days to apply for them to apply it correctly which then causes more interest to accumulate. When looking over my loan documents it says absolutely nothing about this. Please help.
Consumer complaint received 2023-12-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/XXXX, I received an email notification from Wells Fargo that my debit card had been " turned off '' as requested. I did not make this request, and it prompted me to view my accounts through online banking through Wells Fargo. Upon logging in, there were unauthorized transactions that included a total of {$10000.00} transferred from one checking account to another, and then pending charges from my debit card to " XXXX '' ( {$3000.00} and {$2000.00} ), which cleared on XX/XX/XXXX. 

I immediately called Wells Fargo and filed a claim and froze my accounts. Since I did not request to have my debit card turned off and the email did not include a reference number, the representative said that I had to go into the local branch to change my account numbers. I did this on XX/XX/XXXX, which was as soon as possible with my work schedule. 

I was contacted by an investigator from Wells Fargo who asked me general questions about my banking routines ( e.g. how often do I log in ). However, they did not ask in-depth questions related to the account transfers or about " XXXX ''. I have never had business with XXXX, and this is evident in my account history. It's my understanding ( after a simple XXXX search ) that this company is a money transferring service to other countries. 

I was informed XX/XX/XXXX that my claim had been denied. They provided no further information and stated that I had to request the investigative documents to be sent which would take 30 days. They said there is no appeal process and it had been deemed that I authorized the transactions. I asked how they came to this conclusion because it is blatantly false. No further information was provided. I escalated the call to a manger. The only option was to have an investigator call me back. 

Since then, I have filed a complaint with the local Wells Fargo branch and the AZ Attorney General XXXXs Office, and consulted with an attorney. I was asked if I had filed a police report by the initial investigator and I informed him that I would be happy to, but did not know if I needed to since the dispute was in their hands. He had no response. I have since filed a police report with the XXXX Police Department. 

I have been banking with Wells Fargo for well over 20 years, and I have been fortunate to not experience this before. However, they have questioned my credibility and made me feel like a criminal rather than the victim. It is clear that someone had unauthorized access to all of my accounts, as well as my debit card number, which was in my possession. This is terrifying and they are not offering any assistance. I would imagine this happens to millions of people, and I hope they are treated the same way as an honest citizen.
Consumer complaint received 2020-02-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC. (GA)

The debt that XXXX XXXX is claiming that is owed is not valid and XXXX XXXX   has admitted in writing that they did not follow Georgia code O.C.G.A. 10-1-36 ( 2010 ) 10-1-36. Disposition of motor vehicle repossessed after default ; right to recover deficiency. In accordance with Georgia law it was the responsibility of XXXX XXXX to send two letters of notification. The first letter that they have admitted in writing they did not send was a letter of accounting. This letter would have been sent to XXXX XXXX XXXX XXXX which was the updated address given to them in the bankruptcy. It was their responsibility to send a new statement with the balance owed and amount needed to keep the vehicle. They did not send that. It was also their responsibility to send a letter of intent to sale 10 days after taking possession of the vehicle. XXXX XXXX has admitted in their own words they did not send anything until XX/XX/XXXX. This far exceeds the 10 days that state law allows. I am attaching a copy of the letter received by XXXX XXXX admitting that did not send any notifications to me letting me know the balance and they did not follow the law when it comes to repossession. By law they had 10 days after they took possession of the vehicle in XXXX to send a intent to sale letter. Just because they claim they sent a letter for a prior repossession does not qualify s proper notice. Once they vehicle was repossessed again in XXXX they had 10 days to notify of the their intent to sale. They did not do this and because they did not follow state law this debt is not valid. Because the repossession was not lawful. Below is a copy of the state code they are violating. 

O.C.G.A. 10-1-36 ( 2010 ) 10-1-36. Disposition of motor vehicle repossessed after default ; right to recover deficiency ( a ) When any motor vehicle has been repossessed after default in accordance with Part 6 of Article 9 of Title 11, the seller or holder shall not be entitled to recover a deficiency against the buyer unless within ten days after the repossession he or she forwards by registered or certified mail or statutory overnight delivery to the address of the buyer shown on the contract or later designated by the buyer a notice of the seller 's or holder 's intention to pursue a deficiency claim against the buyer. The notice shall also advise the buyer of his or her rights of redemption, as well as his or her right to demand a public sale of the repossessed motor vehicle. In the event the buyer exercises his or her right to demand a public sale of the goods, he or she shall in writing so advise the seller or holder of his or her election by registered or certified mail or statutory overnight delivery addressed to the seller or holder at the address from which the seller 's or holder 's notice emanated within ten days after the posting of the original seller 's or holder 's notice.
Consumer complaint received 2020-02-16
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. (GA)

The total sale price and balance XXXX XXXX is stating as the beginning balance for this debt is inaccurate. I have a signed contract between myself and XXXX XXXX that reflects the correct balance agreed to as contracted. XXXX XXXX is not reporting the true numbers agreed to in our contract. Attached is a copy of the signed agreement between mnyseld and XXXX XXXX that correctly reflects the total sale price. They are in violation of the FCRA and this needs to be removed. I demand that the credit bureau ask XXXX XXXX To show proof that at the time of purchase the total amount financed did not include a warranty, gap insurance, taxes and fees. The balance that XXXX XXXX is reporting is not accurate and does not reflect the contract they agreed to. I am happy to provide a copy of the signed agreement between myself and XXXX XXXX if the credit agency needs to see it again. I have provided copies of this contract in the past.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2018-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NC)

Someone has opened an Bank Account at XXXX XXXX XXXX XXXX with my Social Security Number and used another name. I am still unable to apply for that bank until the issue gets resolved. In the mean time I attempted to view my credit report through XXXX XXXX, Experian, and XXXX. This is the message they gave me : " Your personal information doesn't match with credit bureau records. Please review your information for any possible errors. For security reasons, you'll also need to reenter your Social Security Number before continuing. Not sure what's wrong? You can find some tips on the right side of this page. '' I know that I do not have any credit as of right now. Why does my information not match? I checked my information several times to carefully to ensure I was not making a mistake and I continue to get the same results. Am I doing something wrong or is this the result of Identity Fraud?
Consumer complaint received 2017-06-05
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. (FL)

After  XXXX   XXXX   XXXX  I was arranging a Short Sale with the Lender,   XXXX   XXXX    XXXX , and a predatory lawyer tried to foreclose on my property.   To forestall this I filed a " Rumor Of Bankruptcy '' Chapter  XXXX  in  XXXX / XXXX / XXXX  and it was subsequently Dismissed on  XXXX / XXXX / XXXX .   It happened again in  XXXX / XXXX / XXXX  and I filed another " Rumor of Bankruptcy '' Chapter  XXXX  and it was Dismissed on  XXXX / XXXX / XXXX  Although I did not actually go into Bankruptcy these items were reported as " Derogatory Items '' on my  XXXX  Credit Reports and classified me as Bankrupt and my Credit Scores became very low.   I wrote to the Credit Bureaus and they stated that they were reporting information found on the   XXXX   public records.   I then wrote to t he CEO 's o f the  XXXX  Bureaus on  XXXX   XXXX   XXXX  and complained about this case. Nothing happened. No one will talk to me about this matter.   Thus the filing of a  XXXX   XXXX , subsequently Dismissed is mis-classified as though it actually went through to fruition.   ( I think this is due to the fact that the Bureaus do not want to go to the trouble of investigating which filings actually resulted in Bankruptcy ) I do not wish to have my credit ruined because nothing actually happened.
Consumer complaint received 2021-11-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NJ)

I have 22 ineligible payments I was told due to being " paid ahead. '' I was told these can be changed to eligible with a manual recount which was submitted. For the past year I have called every 3 months and have also submitted my employment certification form but the count is never adjusted.
Consumer complaint received 2020-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I tried to unfreeze my credit report so I could get a car loan. I was able to unfreeze my report with XXXX  and XXXX  instantly by following standard procedures. When I tried to unfreeze my report with Experian, the website was throwing strange errors. For example when it asked for pin, i entered the pin and it threw an error saying the pin can only contain numeric characters. So i cleared the field and entered a shorter number like XXXX to see if i got the same error and again. The same error about only entering numeric characters was thrown. So i tried to submit without my pin and it said the address input format was wrong ... .but didn't say what was wrong with it. By trial and error i figured out it didn't want a comma after the street even though it wanted street, city state and zip all in the same box. 

After submitting, it said the information could not be verified and i needed to mail a letter to a PO Box in TX with enough personal information to make identity theft easy for anybody that found or intercepted that envelope. So i tried again and got the same error. Next I tried to verify my pin by using their system to retrieve my pin ( which requires me to have to answer personally identifiable information to verify who I am ). When the site showed me my pin, I was able to confirm I had the correct pin already. So I tried again to unlock my report with my pin and got the same error message saying i had to mail personal information. I logged out and back in and the website said my credit report was not frozen anymore! 

So i called the bank and asked them to try again and they said they still were getting a message that my experian report was frozen. I called experian and the automated system said my report was still frozen despite now the website says my report is not frozen ( i have screenshots ). 

I called the customer service number and tried all the available prompts to try and get help. They all lead to a automated recording and no option gets to customer support. I also tried calling during Sat - Sun : XXXX XXXX  - XXXX XXXX  PT ( Sunday at XXXX EST ) and only got options to talk to a robot and no automated options to help me. 

They have effectively taken my credit hostage. My credit score is XXXX ( verifiable by the experian website ) and they are not providing a reasonable way for me to unlock my credit score in the middle of a loan application despite having the right username and password to login, the right phone number to receive the code confirmation on first login, and having the correct consumer pin.
Consumer complaint received 2019-08-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (PA)

Hi,Transworld System INC. has kept sending mails that showed I had a dept of XXXX from XXXX XXXX XXXX XXXX XXXX billed me two times regarding just one same case. I resolved this issue with XXXX, and XXXX erased the additional bill. So currently there is no balance to pay back.But Transworld System INC is sending mails relentlessly. I sent message in order to stop mailing on their website, however I couldn't get answer yet.I had a receipt, XXXX has history about this. The following information is written on the mail from Transworld System.File#: XXXXCreditor: XXXXInvoice #: XXXX XXXX XXXXBalance Due: XXXXThank you!
Consumer complaint received 2024-03-09
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: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NM)

XXXXXXXX XXXX I noticed money missing from my checking account. I notified Wells Fargo that over {$5000.00} was fraudulently taken using my debit card. Today received a letter stating they could not do anything about it. Submitted a fraud claim with well Fargo XXXX, on XX/XX/XXXX Police report on XX/XX/ with the XXXX Police XXXX. Called Wells Fargo to XX/XX/ to be told the claim is closed.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MEMBER MORTGAGE SERVICES (MI)

MMS Mortgage is not reporting accurate payment history for my account. My credit report says I haven't made a mortgage payment since XX/XX/2021 however my account is current & payments have been made on-time and in-full through XX/XX/2021. I have an account activity report showing on-time payments, an email from an account rep at MMS and the most recent account statement showing that my account is current. 
The following months are showing up as NOT paid ( which is NOT correct ) XX/XX/2021 payment, XX/XX/2021 payment, XX/XX/2021 payment, XX/XX/2021 payment, XX/XX/2021 payment, XX/XX/2021 payment. All of these months have been made on-time AND in-full. I need MMS Mortgage to update payment history and Recent Payment History so that my credit report is accurate. I've filed multiple disputes through XXXX & each time MMS responds saying that my credit report is accurate. This has been going on for over a year.
Consumer complaint received 2021-11-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Revenue Cycle Associates, Inc. (GA)

On XX/XX/2021 I received a letter from Revenue Cycle Associates, claiming to represent XXXX XXXX XXXX XXXX XXXX and demanding I pay a " bill '' and sum on an alleged debt in the amount of {$1700.00}. I have never had any business dealings with Revenue Cycle Associates and by contacting me and demanding a payment on a debt that I allegedly owe, they have violated many Federal Consumer Laws pursuant to the FDCPA as well as 12 CFR which are the codes of regulations they are governed by. I am the consumer pursuant 15 USC 1692 ( a ) 3, and I do NOT owe any debt. By mailing me and alleging that I owe a debt Revenue Cycle Associates has violated 15 USC 1692c ( a ) 1. I believe I am also the victim of identity theft because Revenue Cycle Associates has my mailing address, and social security number which they did not receive directly from me... my personal information and living location has now been compromised pursuant 12 CFR 1022.3. I have never provided my social security number or card for any matter to this company. This company is alleging that I owe them a medical debt, which I do not... .and this signifies to me that they have or think they have possession of my medical records and history, which is a direct violation of 12 CFR 1022.32 and a violation of. This company also threatened me with a declaration of obtaining a judgement and " verification '' which is a violation of 15 USC 1692d, and should they attempt to " verify '' any of my personal information that they have stolen or illegally obtained then I will file an Identity Theft Report with the FTC, Department Of Commerce , Department of Homeland Security, Department of Justice, Federal Maritime Commission, Social Security Administration, as well as i will file a 3949A form with the IRS against Revenue Cycle Associates.
Consumer complaint received 2021-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623. I have done many attempts to reach out to XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and correct it from my personal credit file. Thank you.