davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo Nationwide marketing group. I purchased furniture with 12 months no interest financing from them. The furniture was delivered in two separate deliveries and consequently, there are two separate special term balances with different end dates. I receive one statement with a single minimum payment due. Wells Fargo applies separate minimum payments against each of the two balances. They do not apply the full payment against the balance with special financing that expires the soonest. The documentation does not state how much of a minimum payment is required against each balance. In discussing this with the company, they can not provide the minimum balance for next month. This makes it difficult to pay off the balance without paying deferred interest since I have no idea how much of my payment will be applied against the longer term balance. My contention is, if there are indeed minimum payments required against each balance then they should be clearly spelled out.
Consumer complaint received 2018-12-26
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. (NC)

This letter is to request the CRA to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. When examining statutory language, we generally give words their ordinary, contemporary, and common meaning. XXXX v. United States, 328 F.3d 132, 139 ( 4th Cir.  XXXX ) ( Citations omitted ). In accordance with its ordinary, contemporary, and common meaning, an investigation is a careful search ; detailed examination ; systemic inquiry. XXXX XXXX XXXX XXXX XXXX, p. 966 ( 2d ed. XXXX ).
Consumer complaint received 2022-08-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (NJ)

I started to refinance my mortgage with BSI Financial Services in XX/XX/XXXX. We finally closed in XX/XX/XXXX. The loan broker told me I didn't have enough equity to borrow what I needed. My house had sufficient equity. The appraiser XXXX XXXX the worth of my house The Mortgage Counsellor said that I should go FHA and after 6 months that the mortgage company would waive the PMI. I took his word on it. It was done verbally over the phone. Worst thing that I have ever done. BSI said they have no record of my previous inquiries on this subject Now to add insult to injury my real estate taxes have not been paid the last 2 quarters. The first quarter payment was late and I am still carrying a charge of principle and interest from that. I was defrauded, duped and embarrassed by both of these situations. Please I need your help with this company
Consumer complaint received 2024-04-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: PNC Bank N.A. (FL)

I applied for a " check ready '' Loan with PNC Bank on XX/XX/year> and was denied. Regardless the Reason for being " denied '', I have the Right to Credit. Not only that But withholding my access to my Securities Is " securities fraud ''.

PNC Bank as " issuer '' has violated the terms and agreements within their agreement with THE XXXX XXXX XXXX XXXX XXXX, asTrustee, The Equal Credit Opportunity Act, and the Consumer Credit Protection Act. I called and spoke with an Executive in Customer Relations, as she stated she has supplied a solution to this concern. After a week of trying to get ahold of her her then redacted her email by phone by telling me the inquiry will not be removed, not answering to the nature of the complaint of my security and to redact ym application since my credit was being denied.
Consumer complaint received 2023-08-14
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. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-01
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Pinnacle Credit Services, LLC (PA)

XXXX XXXX, part of Pinnacle Credit Services , LLC is attempting to collect on a debt that falls outside of the legal time line to collect. I do not acknowledge this debt and have no knowledge of it.
Consumer complaint received 2019-02-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (GA)

I received an email from a collection company In XX/XX/2019, nothing via mail only email advising that I owed a debt. I immediately contacted them and advised them that the debt was not mine and i had no knowledge of said debt. I asked and probed for more information and all the information they had on file was incorrect. Including address, DOB, phone number. The representative did not even have a full Social security number and advised the debt was initiated via online. I requested proof and/or any documents associated with debt and was advised they did not have ZERO documentation everything was done online. I told the representative that I was disputing said debt and she notated it, not even 30 days later, the debt appears on my credit report. My rights as a consumer have been violated 1 ) i did not receive proper notification via mail 2 ) I contacted the company and disputed the debt and have not been given any proof of debt as requested as well as time and opportunity to show debt is not mine 3 ) Credit history has been affected ... I am requesting that the CFPB take a look into the practices of collection agency and demand proof of debt. If unable to provide, please remove from credit profile with all three credit bureau agencies.
Consumer complaint received 2017-11-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (FL)

I have attempted to contact this company and dispute this debt with the credit bureaus. This company will not provide me with a letter of validation that this debt belongs to me. I have asked for signed documents or the original documents for the debt. The credit bureaus XXXX XXXX, and XXXX continue to say that the debt is verified but they will not send me the validation method being used. This company also does not list an account number on the credit report. By law I am authorized to request a letter of validation with my signature or the debt has to be removed from my credit. I have not received anything from the company or the credit bureaus.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC (NV)

Had a hard inquiry to XXXX credit report on XX/XX/XXXX. XXXX Milestone XXXX. Called on XX/XX/XXXX, spoke with XXXX and explained I did not request or authorize a card or credit check. XXXX stated the looks like identity theft and would block the account and report it. Also he would have the inquiry removed from XXXX.
Consumer complaint received 2024-04-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (WI)

debt was from XXXX XXXX XXXX XXXX  for a disputed bill from a divorce. I was charged for my spouses second line while she had dropped the service and went to another carier. I was unaware of this and disputed the bill. XXXX gave me some relief but not what I thought was fair. I dropped XXXX because of that action after XXXX, yes XXXX years of using their service. I still receive solicitations from, XXXX So I guess I am not in bad standing.
Consumer complaint received 2019-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (AL)

After being denied credit, i pulled my credit report. As i reviewed it i noticed several bogus accounts listed. As such i disputed with the three bureaus. The collector verified the debt. I was never sent any notifucation letters or right to dispute communications from them. I therefore sent a dispute letter i. Accordance with my rights under the FDCPA which was ignored. Its been over 60 days and i have had no response. This is not my debt, the have willfully ignored and violated the FDCPA and laws. This continued to hurt my credit and inflict damages to me fininacially as well as my reputation.
Consumer complaint received 2019-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

After researching the offerings of all of my credit cards, I found that Capital One is the only one of my creditors that offers a 0 % Foreign Transaction Fee. As such, I needed to request a credit line increase as I will be traveling to a foreign country and will potentially need more funds than I have available, which is {$5000.00} USD. After calling Capital One and learning this process needs to be completed by me and not one of their representatives, which is customary, I learned they require a " soft pull '' of my credit report. At the time, and to date, I have a nearly 800 credit score with a perfect 13 year payment history with Capital One. I come to find in the mail, about a week later, that my request was denied for several reasons. ( 1 ) The account has not had enough recent payments to establish a recent payment history and ( 2 ) recent use of this account 's existing credit line has been too low. What these declination reasons tell me is that my spending habits don't require the use of credit and that I can afford my lifestyle. Shocking! An American who is NOT dependent on credit. To refuse a credit line increase to a customer, like myself, with a 13 year history of perfect payments, of which included a credit report, is an " unfair business practice '' ... and quite ridiculous! If, in fact, this business decision was made, as Capital One would have you believe, based in part on my credit report, then the credit line increase should have been granted. I would have even been satisfied if perhaps a lesser requested dollar amount was approved. However, to flat out deny me access to credit when I've spent 13 years proving my credit worthiness is an " unfair business practice '' that will NOT go unreported. Furthermore, the inability to appeal this decision is again, " an unfair business practice '', and requires CFPB intervention. I've spoken to several customer service associates regarding my credit limit declination and lack of appeals process on XX/XX/19 at XXXX PST ( pull the recorded call ), which included a very combative supervisor, who literally said " nothing can be done for you ''. I'm horrified that excellent customers like myself are being turned away with absolutely no recourse to appeal a blatantly biased and improperly substantiated business decision.
Consumer complaint received 2022-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Filed a dispute claim with Fifth Third bank after I realized someone stole & used my business debit card number & made 5 purchases totaling {$23000.00} at XXXX, and this was absolutely not me .I have never authorized to open an account at the mention company and absolutely have not used my card in a combined 5 transactions from XXXX through XXXX. The support is non existent at this company, so I may find out how my payment info someone was used without my permission, but 5/3 insisted that I confirmed via text which I never did nor plan to do after I experienced phishing and smishing attempts almost daily on my cell phone in the past. 
The bank insists that I confirmed the purchases using my phone number, but I told them it was not me, and they said they sent me a fraud text to my phone number before charging my card, however that is not true. I called to to report fraud, and now I am being treated unfairly. I cancelled this debit card in XXXX & i still have the physical card which is clear and cut fraud per the Consumer Protection Act. How can they blame me when never agreed to any of the transactions! Please see below Fraud Transactions - XX/XX/21 - {$4600.00} XXXX {$4800.00} XXXX {$4400.00} XXXX {$4700.00} XXXX {$4800.00}
Consumer complaint received 2024-04-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (PA)

I have reached out to both XXXX and XXXX who are reporting this debt and I received no response. I reached out to XXXX and XXXX XX/XX/2024 and they immediately removed this account on XX/XX/2024, understanding the severity of this issue. LVNV funding and XXXX XXXX XXXX have purchased this debt and it is an account that was opened fraudulently. So not only are these agencies attempting to collect a debt that I was never notified about, because they can simply show their certified mail receipt showing I was notified and received debt in response to this. This account is fraud, so they are violating my rights by furnishing this.
Consumer complaint received 2023-04-10
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. (NY)

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-08-14
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any items in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6600.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-09-15
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: Experian Information Solutions Inc. (LA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2022, I received a mobile notification that an account had been reported as delinquent due to 30 days past due payment by XXXX. I contacted the customer service number and he stated that he did not show where my account was 30 days past due but that they have no control over reporting. He also stated that they TRY to report accurately. I informed him I am not and have never been 30 days past due on this account. He refused to correct or escalate this egregious error made on my credit report which has drastically damaged my credit portfolio in the eyes of other lenders. 

It is the legal duty of XXXX and Experian to report 100 % ACCURATELY on my credit report. XXXX has reported false information to Experian and instead of Experian doing a thorough and proper investigation they have further irresponsibly reported FALSE and inaccurate information on my report.
Consumer complaint received 2019-08-20
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I see that the account was last reported dated XX/XX/2016, date last active is the same. Was claimed as collection but I see all payment on payment history are OK. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-08-16
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. (MI)

It has been found out that you are not REMOVING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
DEPT OF EDXXXX XXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF EDXXXX XXXXXXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXX ; XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX ) XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$43.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX XXXX Balance {$1000.00} ; XXXX XXXX Original creditor XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$0.00}
Consumer complaint received 2021-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

I have been receiving repeated robocalls from phone scammers, pretending to be with a legitimate debt collection agency ( Portfolio Recovery Associates ). I have a robocall blocking app for my smartphone that blocks the call, and I XXXX the phone numbers that I receive. They all are listed as 'scams ' on XXXX XXXX verified scam and robocall websites XXXX XXXX, XXXX, XXXX XXXX.
Consumer complaint received 2016-08-09
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (FL)

XXXX and XXXX XXXX XXXX XXXX both ran a Hard Inquiry on my credit reports without our authorization. 
We never heard of these companies before. Got their name from our credit reports inquiries section. The Inquiry needs to be removed. This is fraud. 
See attachment which shows the hard inquiries on our Equifax Credit Report both done on XX/XX/2016.