davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (SC)

I deposited a check for XXXX at PNC ATM at XXXX XXXX grocery store on XX/XX/XXXX. 
After a couple minutes of " processing '', message appeared that transaction could not be completed. The ATM machine ejected my bank card but did not return the check! 
I called PNC Customer Care and a supervisor assured me that the ATM is audited on a daily basis. The supervisor said it could take up to 10 business days but it is usually resolved within a couple of days. 
The next day I received a call from PNC saying that the ATM was operated by a " third Party '' and it could take up to 45 days for them to resolve the situation. 
I was very upset because this is a lot of money XXXX my inheritance ). 
I was planning on using that money to pay my taxes this week. 
This has really put me in financial turmoil and PNC employees seemed very indifferent to the problem. 
I can't believe the ATM 's are not required to have disclosure that they are owned and operated by a third party. So if something like this possibly happening I would have waited until XXXX and went to the bank in person. 
I can not believe that PNC was unable to contact " Third Party '' and have them audit the ATM to accomodate a financially distressed customer because of an error on their ATM. 
There is no apparent accountability?!!
Consumer complaint received 2022-10-15
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. (IL)

I received an alert from the credit monitoring company that lowered my credit score. The alert was from a collection agency stating that I owed {$1500.00} to XXXX. I do not have nor have I had a XXXX account. The collection agency is XXXX XXXX XXXXXXXX at XXXX. They are located at XXXX XXXX XXXX XXXX, XXXX, CT XXXX. I tried to call them to resolve the issue but my call was never answered. Since then, I contacted my credit monitoring company to report the incident. They suggested that I file a thief ID affidavit form.
Consumer complaint received 2020-02-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (CO)

When I purchased this vehicle on XX/XX/2016 I was told my loan would be for 60 months and that my annual percentage rate would be approx 20 %. The amount I financed is {$12000.00}. They are charging me almost 70 %! of the amount financed as a " finance charge ''. That is a ridiculous amount and I feel I was taken advantage of by this company at that rate. My vehicle is now worth only {$2000.00} and I still owe over {$8000.00} on this loan. XXXX XXXX and Credit Acceptance took advantage of me when I was desperate for a vehicle to continue commuting to work. XXXX XXXX also did not let me see the contract and just clicked through themselves with a digital signature with my name listed. I want answers as to how a company can charge you almost 70 % on a vehicle loan at that time the vehicle being used and 8 years old. This loan should not have been approved knowing that the vehicle wasn't even worth the amount of the sale PLUS the finance charge.
Consumer complaint received 2020-02-10
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: AES/PHEAA (MI)

I don't know this account. I never opened this student loan. The company claimed it was from California. I have never lived there and did not take this loan out. I do not owe this debt. 
XXXX  is the only company showing I owe this debt and they would not help me either.
Consumer complaint received 2020-02-10
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: LEXISNEXIS (ME)

In XX/XX/XXXX I applied for a mortgage loan. Through that process I was informed that a tax lien was listed on my credit report through LexisNexis. The tax lien was not in my name. The representative at LexisNexis even told me it was in another persons name. They told me I had to file a dispute and that I could do it over the phone which I did. I was told it would take 60 days to have this matter resolved. I explained that this error was impacting the mortgage rate I qualified for and needed it resolved sooner. They told me there was no way they could resolve it sooner - even though they could see that the tax lien was not in my name and I had already called the City Clerks office and the IRS and had them confirm that there was no tax lien in my name in their records. LexisNexis said they would expedite my dispute. 

I heard nothing from them so on XX/XX/XXXX I called LexisNexis again. The representative told me that nothing had been done with my dispute but that she would escalate the RE-filed dispute and it would be taken care of as soon as possible. She apologized and told me Id be hearing from them soon. 

On XX/XX/XXXX I received a resolution letter from LexisNexis stating my dispute was verified and the tax lien would be removed from my credit report. 

I have been receiving telemarketing calls from debt-consolidation companies for people who owe the IRS - telling me my name may still have this lien attached to it. Sure enough, I called LexisNexis today ( XX/XX/XXXX ) and found out the lien has not been removed from my credit report. The representative apologized and said she would escalate this to get it resolved. She could not give me an answer as to when it would be taken off and also would not let me speak with anyone above her in the LexisNexis organization. 

This has cost me in time and money as I have no idea how long this has been on my credit report and I have not gotten lower interest rat on short or long-term loans due to this problem.
Consumer complaint received 2020-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (OH)

Names are inaccurate All those other spellings are inaccurate. XXXX  AND EXPERIAN WOULDNT RELEASE MY FREE REPORT YET THEY POST ON XXXX XXXX  AND OTHER CREDIT INQUIRIES THESE ITEMS I have inaccurate information on my credit report and it is preventing me from obtaining a house and better business credit. I have not done business with these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses need to be removed people are using my name only my current address I want listed I will submit information to all 3 bureaus XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, O-XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, OHXXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OHXXXX XXXX XXXX XXXX , XXXX, GA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OHXXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX , XXXX, O XXXX XXXX XXXX, XXXX XXXX,
Consumer complaint received 2020-02-10
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. (GA)

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason, I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, US DEPT ED, USDOE/XXXX. There are also some inquiries that are not mine AN 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. I have contacted the FTC and the Georgia police.
Consumer complaint received 2020-02-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2020 at approximately XXXX. Wells Fargo attempted to force me to file a complaint when l clearly was not filing a complaint with them but did inform l was filing a complaint with the with CFPB for their out disregard to acknowledge the fact that by law if the creditor agrees that this information does not exist and/or is incorrect it is their responsibility to contact all 3 credit bureaus to have this information removed immediately which up to this point they have failed to do so. 

Supervisor ( XXXX -- -- ) on a recorded was extremely rude by essentially hanging up the phone in my face by cutting off our conversation and forwarding the call to their executive office something I did not request! I disconnected the because l explained that l did not want to speak to any one else but he did it anyway. 

Then at approximately at XXXX l received this email below which was deceptive in nature and was written in such a way to make it appear that l had filed a complaint with which was a lie. 

They tried to forced me to speak top someone in their executive office and then sent this email stating quote, " Dear XXXX, We want to let you know we received the information you shared with XXXX. Your feedback is important to us and we will work with you to research the issue as quickly as possible. 
To help ensure we address your concerns, were researching the credit reporting issue you mentioned. You can expect to hear from your case manager within three business days of your complaint submission. 
Were here to help. If you have questions, please do not respond to this message using the Reply button ( replies are not monitored ). Instead, contact us by phone at XXXX Monday through Friday, XXXX XXXX to XXXX XXXX. Central Time. 
For reference, your case number is XXXX. 
Thank you. We appreciate your business. 
Wells Fargo Executive Office Wells Fargo, N.A. Member FDIC. '' Wells Fargo lied in this email stating that would contact me in 3 business day which they failed to do so.
Consumer complaint received 2020-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NC)

On XX/XX/2019, I made an online payment to Citi Cards for XXXX ( XXXX ) dollars. The money was taken from my account. Citi claimed that they were not able to process the payment and charged my credit card a XXXX ( XXXX ) dollar return check fee and did not credit my account with the payment. 
I contacted them when I realized what had happened and spoke to several people on different occasions. I was told that a three way call could be initiated between myself, Citi and my credit union to verify that the money had been taken from my account. I called on my day off to have that done and was told that it was not necessary because it would be handled but by the next week it had not been. 
I called Citi again and finally was able to get a customer service agent to remove the return check fee but there was not mention of finding the missing XXXX dollars. I received a letter from a Citi office in XXXX   XXXX, SD, requesting that I send my bank account statement to them at that location to verify that the money was withdrawn from my account. 
I am understandably not really wanting to give them my bank account statement but I will to get the XXXX dollars back. I however am going to redact as much personal information as I can. 
I would like to know if they are allowed to ask for this information to settle the issue since I made myself available for a three was call that they could initiate with my credit union.
Consumer complaint received 2020-02-10
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: DISCOVER BANK (PA)

XXXX, XXXX, & XXXX  IS IN VIOLATION OF THE FCRA!! They are not properly VERIFYING consumer accounts. Per the FCRA furnishers are to verify and validate accounts by requesting/providing ACTUAL DOCUMENT PROOF BEARING A CONSUMERS SIGNATURE SUBSTANTIATING ALL CLAIMS/ACCOUNTS. THESE REPORTING AGENCIES ARE LAYZ AND ARE NOT FOLLOW THE PROPER PROCEDURES LISTED IN THE STAUES OF THE FCRA. IF ACCOUNTS ARE NOT PROPERLY VERIFIED WITH PROOF OF CONTRACT THE ACCOUNT ( S ) MUST BE DELETED IMMEDIATLEY!!!!!
Consumer complaint received 2021-02-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cascade Capital, LLC (IN)

Approx 4 months ago, I noticed a ding on my credit score through XXXX. I pulled up an apparent debt of {$670.00}. On my report the original creditor was Indiana XXXX XXXX XXXX XXXX located in a town about 30 miles east of where I live. I knew immediately this was false since I only see doctors at the VA or through XXXX XXXX. Also the only place I have been for emergency care is through XXXX XXXX in my town. Initially, I attempted to dispute the debt through XXXX  however, the debt was not removed. I then called the billing office for Indiana XXXX XXXX and they stated they have nothing on file for me even using my old last name and my current. I then called the collection agency who told me the debt was sent back to the main creditor Cascade Capital. I had to google them and the only information I saw on the collection agency based out of California were numerous complaints of Cascade Capital doing to others what they have done to me. The XXXX has over 60 complaints of similar stories also. I could find no phone number for this agency and no website. Eventually, I came across a file ( I will include said file ) stating Cascade Capitol lost their business license as of XX/XX/21. I just want this so called debt removed from my credit report and right now, I have no way of doing so. Not to mention this is a false debt. 
PS-I was unable to upload anything, the upload tab is not working! I do have copies I wanted to include.
Consumer complaint received 2018-03-20
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. (NY)

I purchased a car and used XXXX XXXX XXXX to finance the car. I had made all of my car payments on time when I had a catastrophic accident in where my car was totaled. My insurance company paid XXXX XXXX XXXX the balance owed on the car at the time of the accident in where the insurance company totaled out my car. I then got a collection letter from a third party notifying me that my account with XXXX XXXX XXXX was delinquent and I needed to make payment arrangements on said account. Once I was notified of this I contacted XXXX XXXX XXXX to have this issue addressed and to verify they had received payment of the balance owed from my insurance company at which time they confirmed they had. Once this was done I was told that I would have no more issues. I recently checked my credit report and found this not to be the case at which point I sent letters to each perspective bureau and one to XXXX XXXX XXXX. After 45 days XXXX XXXX XXXX hadn't responded to this issue and the two credit bureaus stated their investigation showed as completed and that I indeed owed the amount in which was reflected on my credit reports which is simply untrue. I am looking for your assistance in this matter. I have attached all the necessary items needed to clarify this most important of situations.
Consumer complaint received 2021-02-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation (KS)

Company demanded payment on a loan, that I gave no authorization too, in writing, by verbal consent or in person. I was not aware of such loan. I did not apply for loan online or in person. 
I have not gave consent for such loan or applied for the loan. I tried to communicate with company about this debt, however results were unsuccessful in my disputes. The company demanded payment from me, and fully aware that I did not apply for such loan in person or online. 
Company on these dates took out the following amount. 
XXXX {$180.00} XXXX {$180.00} XXXX {$300.00} XXXX {$300.00}
Consumer complaint received 2020-02-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Judgement Recovery, Inc. (HI)

About 8 years ago I was unfortunately conned into joining an investment group called XXXX XXXX XXXX aka " XXXX XXXX. '' I initially invested {$3000.00} cash into this investment being told there would be a great return on the money. As the account began to grow I became weary that it was a ponzi scam ( which it was ) and decided to pull my initial investment out. I received a check from the group for my earnings which was about the same amount that I had invested. The account continued to grow but I never collected nor was able to withdraw any more money from the account. The website eventually was shut down and apparently a lot of people lost a lot of money. I personally was at about a break even point because I had pulled out my initial investment. A few years went by and I received a 1099 from the group that I had been paid out over {$6000.00} in earnings, not even taking account of the money I had invested. I tried to contact the group but nobody would respond to any emails or phone calls. I ended up meeting with a local IRS agent who basically told me that since I did not have proof I wasn't paid the money then there was nothing they could do about it. This resulted in me paying taxes on over {$6000.00} I never made. 

Fast forward a few years to this month. I received a letter from a collection agency who had apparently taken over this debt ( or purchased it? ) and is now claiming that I had earned a total of {$2300.00} from the group. Not only is this totally false, but it is a completely different amount than I was 1099 'd for! They are also claiming I owe interest on this money as well and that I have 30 days to pay it. I called them and was told they didn't advise me talking to a lawyer because it would cost more than just paying them off. 

I have emailed them multiple times over the past couple of weeks requesting proof that I received these payments not only to show I was not, but also to take to the IRS and hope for a refund that I never made a profit from this. The only emails i receive back are ones showing a spreadsheet of payments I never received. I am desperate for help at this point because they are threatening to take me to collections and damage my credit score for money I was never paid.
Consumer complaint received 2019-03-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (CA)

I spoke with Midland Credit Management several times and i told them to dnc my number and my family, but they continued to call me more than once a day and they have contacted my wife which is not authorized on the file and they discussed my finance with her without my permission.
Consumer complaint received 2020-02-10
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. (GA)

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. There are also inquires that are not mine XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I em doing this own my own and I have call the local police and FTC.
Consumer complaint received 2020-02-10
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. (GA)

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. There are also inquires that are not mine XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I em doing this own my own and I have call the local police and FTC.
Consumer complaint received 2020-02-10
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. (AL)

I've been disputing the status, amount, dates of an account listed on my Equifax credit report and Equifax continues to claim that the account is valid without providing me information that they have that proves what they claim to be true. The education loan is not only reporting inaccurately but there are two accounts with the same account numbers with different open dates and balances listed on my credit report. I sent Equifax yet another dispute letter this time I included a screenshot of all my student loans listed on the NSLDS ( National Student Loan Data System ) I highlighted the loan from University of XXXX XXXX  that was opened on XX/XX/2009 that shows a balance of {$1800.00} with no outstanding interest or late fees. I also included the screenshot to prove that there is no loan reporting opened on XX/XX/2009 from the University of XXXX XXXX. Equifax has completely ignored my letter and proof and still is reporting both of the accounts on my report after I've sent in proof.Not only are they reporting wrong information they keep changing the account status I have proof both of these accounts have been closed for years, I also sent proof to Equifax, and now the accounts are open with balances and monthly fees. This is absurd. Its the credit bureaus job to ensure nothing but accurate information is on the consumers report so I'm in complete shock that after I've provided the company with proof they fail to do what they are getting paid to do. Please DELETE the accounts from my credit report as they are not accurate and I have the proof.