davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-03
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: WELLS FARGO & COMPANY (CA)

In XX/XX/2019 I closed my Wells Fargo credit card account because they had, multiple times, committed clerical errors without notification that have actively damaged my credit score. I paid the balance in full when I closed the account and moved on with my life. 

In XX/XX/2019 a charge of {$7.00} posted to that closed account from a subscription whose card info I had not yet changed. Instead of rejecting the payment ( because the card was cancelled ), Wells Fargo added a balance of {$7.00} to my CLOSED ACCOUNT. 

They did not alert me. I had no way of knowing they had done this. They charged me {$1.00} interest for XXXX and {$1.00} for XXXX. This brought the total charges on my CLOSED ACCOUNT to {$9.00}. 

In XX/XX/2019 I received a Credit Alert from XXXX that Wells Fargo had posted derogatory feedback on my credit report, dropping my credit score over 100 points. 

I contacted Wells Fargo and XXXX. Wells Fargo agreed to remove the negative feedback from my credit report and it appears they did. 

My credit returned to over 800. 

A week later, Wells Fargo posted more negative feedback to XXXX   ABOUT THE SAME {$9.00} THEY ALLOWED TO BE CHARGED ON A CLOSED ACCOUNT, dropping my credit score more than 60 points again. 

I have called the Wells Fargo Credit Bureau Dispute Resolution number multiple times and left multiple voicemails with no action thus far. 

The Dispute ID Number is : XXXX Please help me.
Consumer complaint received 2019-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

The paypal company gave me a credit card ... .late in 2018 ... ... ... ... I purchased some items. 1 item for {$300.00} ; 2 items for approx. {$500.00} each The charge payment and interest accumulating is for {$300.00}. I bought an item for {$300.00} and within a few days. I put the {$300.00} back into the account as a credit to keep my promise that I would pay the {$300.00} back in one lump sum before any due date.. 

I keep getting letters in the future about this {$300.00} payment and extra interest I owed, Unbeknownst to me I did as I thought in compliance with paypay. There was no prompt to ask if I wanted the {$300.00} to apply to this one purchase or anything leading on their online payment window to that effect. 

Paypal is lying misleading the public and it is a scam to get every penny out of person that they can. 

Common sense. How come I just didn't do the minimum monthly? How come I didn't pay e.g {$250.00}? Paypal know whats going on and they trying to get fraudulent money out of me with illegal interest. ... ... ....
Consumer complaint received 2019-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America deactivated my card in XXXX or XXXX of XXXX, because of a data breach, and issued me a new account number. On XX/XX/XXXX they allowed XXXX XXXX to charge my deactivated account {$120.00} for an automatic renewal of a membership. It was posted on XX/XX/XXXX. I DO NOT NOW, NOR HAVE I EVER HAD A MEMBERSHIP TO XXXX XXXX. The account is my brother-in-laws account that we have used on several occasions. They allow up to 5 people to use the account. The charge was made to the de-activated card and posted on the bill for my current account. After a lengthy time on the phone, and speaking to 4 different individuals, they finally conceded that I don't have a recurring payment. They did insist that it is their policy to allow the charges in a case like this, and that anyone that uses the XXXX account can be charged. After a supposed investigation, by XXXX XXXX, I was told again that it is their policy to allow charges like this. I don't accept that answer, which was delivered to me by phone, by XXXX XXXX. I may have been able to come to terms with it had the charges been made to my current account. I would like to know that I have some protection from this kind of thing ever happening again. XXXX was wonderful about straightening this out on their end. I will be closing my account, but I fear anyone can make a charge to that account, and that there is nothing I can do about it.
Consumer complaint received 2019-05-03
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: Experian Information Solutions Inc. (MN)

Applied for a line of credit with XXXX XXXX on on XX/XX/2019 at XXXX. Received notification was not approved. Received a letter from XXXX XXXX on XX/XX/2019, which was dated XX/XX/2019 ) regarding the reason the application was not approved. Within the letter it states that part of the reason was due to the credit report that was obtained from the consumer reporting agency, Experian. The credit score that was reported to XXXX XXXX, by Experian, was XXXX. I check my credit score weekly and my score has not been below 600 for several years. Upon checking my Experian score on XX/XX/2019 it is XXXX and even going back several weeks, before the submission of my application, on XX/XX/2019 my score was XXXX. I have attempted to contact them via telephone at several different numbers which were located on their website, online, and thru a XXXX search. But all numbers lead me to numerical options that do not include speaking with a representative. I would like to know why incorrect information is being reported and why they do not have to further explain the inaccurate information that is being provided to my financial institution?
Consumer complaint received 2019-05-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nevada Credico, Inc. (NV)

We moved out of the rental with proper notice. This company never sent us an itemized statement regarding move out costs per Nevada Law. They then referred us to a collection agency with an outrageous amount for inflated costs. They refuse to respond to our requests to resolve the dispute or to provide us with receipts showing the alleged costs. It is now on our credit from a collection agency and the only option is to take them to court to resolve. The amounts are ridiculous that they are trying to say we owe and have not provided any proof of the amounts other than their word.
Consumer complaint received 2023-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2019-05-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (DC)

My hardship began in XXXX, when the economy was at its worse. I lost my job in XX/XX/XXXX causing me to fall behind in bills until I found fulltime employment. When I found employment back then it still was not enough to cover all of my bills. I notified PNC Bank of my situation. We agreed to a repayment plan. I paid almost {$3500.00} and continued to pay {$1800.00} per month for 18 months that I have receipts for to confirm validity. PNC made an error on my account after paying the arranged repayment agreement. My payment plan was stopped in which I escalated to a supervisor for assistance to get back on my repayment plan. The supervisor restarted my payment plan back up. 
I paid every month as agreed. This plan began in the early month of XXXX and continued to fall XXXX. PNC made another error to the repayment plan stating that I owed another payment after the repayment plan finished. Once the payment plan was finished I made two months payments of the original monthly payment ( {$1200.00} ) before I fell behind. My payments were rejected and this is why we are here today trying to save my home. 
I am now employed with stable, fulltime, consistent income on a monthly basis. I am respectfully asking for you to help me keep my home as I have now owned since XXXX with a modification. 

PNC refuses to review and keeps closing it for review after they ask me to submit a modifciation. 
I escalated to the CEO of PNC name XXXX XXXX who sent it to his escalation team. The liaison name was XXXX XXXX. I was shocked on how XXXX handled this. SHe never reviewed the documents after confirming receipt. She relayed only messages from loss litigation or her contact person who was assigned to it. 

I faxed the modification packet and docs numerous times just for them to say the XXXX tax were not signed when they were so I resubmitted them again directly to XXXX of what was sent. I was also told that there was not 30 days of income and they wanted YTD income that was also submitted and resubmitted. I recent paystub was also sent so there were no issues. Yet, it was. XXXX sent a message to her contact person in loss litigation while we were on the phone letting loss litigation know the docs are there. I had to check back with XXXX on the status for her to tell me the same thing she was told. It was closed out for review. I had to ask why she said usually when its 2 weeks before the sale date it wont be reviewed. She also said it was already in denial. 

I was so confused of her position in this. I was shocked she never looked at the docs initially. She was also in charge of the modification being resubmitted. It was handled poorly.
Consumer complaint received 2022-03-31
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)

On XX/XX/XXXX I received a notification from the credit bureaus Experian in regards to a unknown collection account from XXXX XXXX  in the amount of {$410.00}. I have no knowledge of this account nor do I have a contract with this company. I reached out the to company and asked for debt validation in XXXX and to send my a signed contract with my signature and the agent disconnected the call. I called back and requested documents from another agent and was told they would send them but never did. Its been 7 months and the fraudulent account still shows disputed by consumer on my credit file. XXXX XXXX  purchased this fraudulent account XX/XX/XXXX and never contacted me before reporting to my credit and just reported it on my credit file again XX/XX/XXXX but have yet to send debt validation. XXXX XXXX  needs to validate this account with a signed contract with my original signature to show dates when this account was open. I've been on XXXX XXXX over XXXX XXXX and haven't been in the states I need to know who's using my information to open fraudulent accounts so that I can file charges with the proper authorities for identity theft. The bureaus are continuously inserting fraudulent information on my credit file. I dont have a contract with this company and never have. The account was deleted and reinserted without my knowledge as well and has been reinserted a XXXX time without my knowledge or verification of this debt. XXXX XXXX  has broken the FCRA laws by reinserting fraudulent debt/ information on my credit file!!
Consumer complaint received 2022-03-30
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: NAVY FEDERAL CREDIT UNION (IL)

I had a credit card with Navy Federal credit union that started XX/XX/2015 the account was unsuccessful and the company wrote it off the action taken by navy federal along with the fact that the incident is more than seven years old qualifies the account to be removed from my credit report however during a recent review of my credit report i found that the same information is still there on XXXX, XXXX XXXX and XXXX I am requesting your assistance in getting my credit report updated thereby relieving me of any further damage to my credit history
Consumer complaint received 2019-05-03
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. (FL)

I requested an investigation of t the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

There has not been a response to my disputes on XX/XX/XXXX nor XX/XX/2019
Consumer complaint received 2023-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate XXXXXXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX card services account number XXXX XXXX XXXX XXXX XXXXXXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX account number XXXX
Consumer complaint received 2019-05-03
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (IL)

I paid XXXX using XXXX XXXX and CoAmerica prepaid debit card in late XXXX but before XX/XX/XXXX and XXXX stated they didn't get the money and canceled my personal insurance on my personal car
Consumer complaint received 2019-04-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NJ)

On XX/XX/2019, the judge authorize a stay on my home being sold to work out a modification with the lender : XXXX/Bayview Loan. They refused to accept my application due to exceeding number of modifications. Their are homeowners with five or more modifications. There are No rules stating how many modification are allowed. They have also waited for my previous modification applications documents to expire as to keep me in limbo and allow my home to be sold.
Consumer complaint received 2019-05-03
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. (IN)

I had a circumstance where I had an error of a 90 day late payment on my credit report when that was not the case because I was covered on a natural disaster forbearance from the dates of XX/XX/XXXX to XX/XX/XXXX but I am reported as being 90 days late in the month of XX/XX/XXXX on my Equifax Report. I have tried to contact the company several times over the phone to no avail. This error has been corrected by XXXX  and XXXX but only Equifax is still showing the incorrect information on my credit report and still as of today XX/XX/XXXX have yet to fix the error.
Consumer complaint received 2019-05-03
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. (NC)

XXXX XXXX XXXX XX/XX/15 {$490.00} XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX   {$550.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX   {$300.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX   {$140.00} XXXX XXXX XXXX {$140.00} XXXX XXXX   {$3600.00} XXXX XXXX {$10000.00} XXXX XXXX {$1700.00} XXXX {$260.00}
Consumer complaint received 2019-05-03
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. (FL)

I requested an investigation of t the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

There has not been a response to my disputes on XX/XX/3019 nor XX/XX/2019
Consumer complaint received 2019-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TX)

I have gotten behind ( well been behind for some time on my loan ). My mortgage servicer Specialized Loan Servicing sends me a monthly statement indicating my amount/s and what I have paid. On this statement it shows Fees/Charges/Optional Product with a {$0.00} balance but yet the past 2 times I have called them they have advised me verbally that I owe them over {$300.00} in late fees. How can you indicate on my monthly bill that I have no late fees but yet say that I owe you late fees over {$300.00} ( can't remember exact amount ). I feel that they are being untruthful in not disclosing to me that I am being charged a late fee when they send out my monthly statement.
Consumer complaint received 2019-05-03
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)

AFTER REVIEWING MY CREDIT REPORT, I HAVE IDENTIFIED AN INACCURATE ACCOUNT THAT APPEARED ON MY CREDIT WHICH I WAS UNAWARE OF. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME AND I WOULD LIKE A RE-INVESTIGATION INTO THE ACCOUNT SO IT CAN BE REMOVED OFF MY REPORT.
Consumer complaint received 2019-05-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc. (PA)

I was in the hospital on XX/XX/XXXX to XX/XX/XXXX. I didn't have insurance at the time and was unable to pay the large balance. The bill went to a collection agency called XXXX XXXX XXXX. This company is adding interest to the medical bill. The original bill does not have interest applied. I did some research and I've read that if the original bill does not have interest applied, a debt collector can't add interest. I explained this to the company. They are adamant on adding interest to get it paid. I told them recently that what they're doing is illegal and will refuse to pay interest on a medical bill. I'm paying the bill, just not the interest.
Consumer complaint received 2022-03-30
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)

XXXX, XXXX AND TRANSUNION HAS ACCOUNTS ON MY CREDIT REPORT THATS NOT MINE. THEY REFUSE TO DELETE.
Consumer complaint received 2019-05-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TN)

I currently owe $ XXXX in student loans to Navient. My regular monthly payments are auto drafted monthly, and I am a month ahead in my payments. 

My company has started to make monthly payments on my behalf for {$150.00}. 

My due date is the XXXX of the month, and for XXXX, the payment was made on XXXX. 

As of XXXX, my next payment due is not until XXXX, but a payment will be processed around XXXX. 

My employer sent the first additional payment of {$150.00} to Navient and it wwas posted to my account on XXXX. The entire amount was applied to interest. I want the amount applied to the principal balance on my smaller loan. 

I called Navient on XXXX and spent XXXX minutes on the phone arguing about daily accrued interest. 

Navient told me that the only way I could make a true principal payment would be to make the additional payment on the same day as my monthly payment so there would not be any daily accrued interest due at the time of the payment. 

So now I'm stuck with the entire additional payment being applied to interest and nothing going to principal. I'll probably still owe on this loan when I die.
Consumer complaint received 2019-05-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc. (LA)

I have read your response and as I stated in my complaint to Professional Debt Mediation in XXXX, Florida. Their phone number is XXXX. I was told one thing and now being told something completely different. I was told when I paid that {$400.00} I would not owe anything else. This debt is almost 4 years old. I am asking that Professional Debt Mediation remove this debt permanently from all credit reports. I am asking that you cancel the remaining amount of this debt, removing it from the credit reporting agencies, XXXX, XXXX, XXXX. This is the only thing listed as a collection on my reports and it's preventing me from getting me a place to live. I am homeless and no one will lease to me with this on my credit. I paid what I thought would be enough and at the time it was all I had but I paid it in good faith thinking this would be removed from my credit report. Thank you in advance.
Consumer complaint received 2019-05-03
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. (FL)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT REPORT AND I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS.