davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-07
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)

I am writing to submit a formal complaint and dispute regarding inaccurate information on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I contacted Transunion regarding the following incorrect information on my credit report, and to this date, they have not responded. I kindly request your assistance in addressing these discrepancies. 

( Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$330.00} ), Account Name : DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1000.00} ), ( Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1300.00} ), ( Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$14000.00} ), ( Account Name : DEPTEDXXXX  Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1700.00} ) The above accounts do not belong to me. I request that you remove these accounts from my credit report. 


Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$770.00} The information regarding this account is inaccurate. It is incorrect to state that the account was ever late. I request that you correct/update this information on my credit report accordingly. 


Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} I dispute the accuracy of the reported balance for this account. Your agency listed this account as closed, and therefore, the past due amount should not be provided. I believe the reported balance is higher than it should be. I request that you investigate this matter and rectify any misleading data. I intend to contact the creditor directly to resolve this issue, but I require your agency to report the account as disputed during this process. 


Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$140.00} The information provided for this account requires investigation. I have not been contacted by XXXX XXXX XXXX, the agency responsible for reporting this account. Additionally, the reported balance of {$140.00} is inflated and inaccurate. I dispute the entire account based on these inaccuracies. I insist that you verify the dates of opening and the date of first delinquency for this account.
Consumer complaint received 2018-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NC)

My vehicle was repossessed under unfair conditions. I was not given a replevin notice and not given the opportunity to update payments. I was hospitalized at the time of repossession and not given any notices for bill of sale and amount owed after vehicle was sold for auction. I am asking to remove the reposession from my credit report because of unfair credit reporting and unfair reporting/notices from XXXX XXXX XXXX.
Consumer complaint received 2018-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (NC)

My vehicle was repossessed under unfair conditions. I was not given a replevin notice and not given the opportunity to update payments. I was hospitalized at the time of repossession and not given any notices for bill of sale and amount owed after vehicle was sold for auction. I am asking to remove the reposession from my credit report because of unfair credit reporting and unfair reporting/notices from XXXX XXXX XXXX.
Consumer complaint received 2019-04-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I requested a credit investigation on XX/XX/XXXX. I was suppose to get a respond by XX/XX/XXXX, but I did not.
Consumer complaint received 2019-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (OH)

Since 2000 Ive had a 26.99 % APR on my discover credit card. Ive addressed this issue several times with Discover. Ive been given a 1 year promotion of up to {$5.00} in addition to paying over {$100.00} more than my minimum payment. I recently complained to the XXXX. The response was a snarky work with our specialist to help pay down your credit card and a 4 % decrease to 22.99 % as the best they can do at this time. My conversations with the executive office revealed the ineptitude of their process and lack of understanding. Stating their policy of which I cant view, was taken into consideration. Im absolutely dumbfounded that a good standing card holder of 20 years and an XXXX military Soldier with a limited income can not receive anything better than a 4 % decrease considering Ive paid thousands of dollars to Discover through interest. Ive always paid over my minimum payment and yet I am still treated as a student with zero  credit.
Consumer complaint received 2019-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

I have made numerous attempts to correct the inaccurate reporting by Wells Fargo. I have filed numerous Direct and In-Direct Disputes. No one is taking the time to review the situation in its entirety to even see the error. Which has caused my credit score to drop 50 points. MAIN ISSUE : Obligor filed Chapter XXXX  bankruptcy on XX/XX/XXXX. Wells Fargo had a XXXX balance and decided that they would charge the account off on XX/XX/XXXX. The XXXX balance is actually interest. Based on the history of the account, the obligor was only paying interest because of a 12 month no interest. As of today, Wells Fargo is reporting 120 days past due on my credit file. How can an account be reported past due 120 days where a lender has already charged off? How can a lender report a charge-off on a person that is not liable for the debt. In XX/XX/XXXX, Wells Fargo reported the account as a charge-off. I disputed and know the account is reporting 120 days. So since the obligor is in bankruptcy and Wells Fargo decided to charge-off, now my credit will reflect an account 120 days due forever????? In addition to being a violation of the FCRA, this is also an Unfair and Deceptive Act and Practice. I am a non-filer and was only suppose to be an authorized user not a co-obligor. From a credit reporting perspective, Wells Fargo is reporting inaccurately. If Wells Fargo made the decision to charge-off, the charge-off can not be reported on the non-filer. The charge-off was not due to non-payment. In addition, as part of the FCRA and Credit Reporting Resource Guide, a data furnisher has a duty to furnish accurate data. Reporting that an account is 120 days past due that was charged off is that Wells Fargo is violating the duties of a furnisher. In this scenario, being that the debt was written off, it is violation of the FCRA for Wells Fargo to report any status a non-filer. I recommend that the CFPB AUDIT WELLS FARGO bankruptcy credit reporting. I'm POSITIVE that there are other impacted accounts. Though I am not an obligor on this account and was only an authorized user, my credit has been damaged. i HAVE FILED OVER 10 DIRECT AND INDIRECT DISPUTES AND ONLY MORE ERRORS HAVE OCCURRED. In addition, Wells Fargo is not reporting the correct Compliance Condition Code. If a Wells Fargo agent is receiving this complaint/dispute, please escalate to the Credit Reporting Subject Matter Experts. If they are unaware of how to report this scenario, please reach out to the Consumer Data Industry Association ( CDIA ) for guidance. Please accept this as my last attempt to reconcile directly with the furnisher. If this inaccurate reporting is not removed from my credit, I will seek legal representation.
Consumer complaint received 2018-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (TX)

I applied for the Wells Fargo Business Platinum Credit card on XX/XX/XXXX. I applied through a link that offered a {$500.00} bonus after spending {$5000.00} on the card within the first three months, and 1.5 % cash back on all purchases. I met the spending requirement and paid it off on XX/XX/2018. At about this time I received on offer to get 1.5 % cash back on my card. This did not make sense because I signed up for the card to get the cash back, and should have received cash back for all purchases as soon as I started spending I called to see what the issue was, they told me I didn't sign up for the bonus, although I clearly clicked the link and the rep was familiar with the bonus. The rep suggested that because I met the requirements I file a dispute, I did so on XX/XX/XXXX. When I never heard from them I called XX/XX/XXXX, they said they have still not got to the dispute and I needed to wait. I never heard from them again, so I called on XX/XX/XXXX. They again said it had not been looked at but sent it to a research reference team to see if I had met the qualification for the bonus ( which I clearly did ), and they would get back to me in 10 days. After not hearing from them for nearly a month I called on XX/XX/XXXX. At this point they gave me a case number and said I would be contacted in 24 hours. I have not heard from them. I took the initiative every time. They never contacted me back once. Every time I was told something different, however two reps told me since I met the requirements it will be honored, but that has not happened. I clicked a link to get this bonus, I have met the requirement. They have been ignoring me in hopes that I will go away.
Consumer complaint received 2023-08-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FinCo Services Inc DBA Current (GA)

There was a dispute made for payment made of {$1500.00}. The money was deducted from my account on XX/XX/2023. The dispute was made on XX/XX/2023. The dispute was canceled on XX/XX/2023. The update and confirmation was on XX/XX/2023, however, the funds have not been processed back to the merchant. The funds were a down payment for a vehicle and the dispute was originally supposed to be just for fraud website where I purchased a bag. This payment along with another payment was added to the dispute which is why I canceled it. The money was not sent back to me and the merchant is implying that the funds are not sent back to them as well. My vehicle is being detained due to these accusations.
Consumer complaint received 2018-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (MD)

Iam a PNC bank customer. 
Monday morning I went by my branch to check my account as I expected fairly large deposit from XXXX. I was going to use it to pay down my CC and transferred {$800.00} to pay down the card. 
But the bank misplaced ( or something ) my {$800.00} and it disappeared for several days.It magically reappeared on Friday during a meeting I was having at the bank, with the bank 's comment, '' 'Oh I do show an {$800.00} deposit on Thursday and it will clear tonight so the card can be used on Saturday, '' That's all well and good, but I was nowhere near a PNC branch on Thursday. 
How can a bank mysteriously lose {$800.00} deported in person with a teller? I will have to put on the big search for the receipt, and when I find it what action should I take?
Consumer complaint received 2022-11-30
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)

I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX
Consumer complaint received 2021-03-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2020-02-06
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. (FL)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2019-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

I have managed my Bank of America credit card with excellent payment history, continually paying my balance in full each month. With zero notice, the bank closes my account and refuses to honor my {$16.00} in earned rewards dollars. I call customer service and account representatives offer no help. Bank of America offers no decency in making things right with consumer and is denying money that is owed to me. Horrid experience.
Consumer complaint received 2020-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (LA)

In XXXX of XXXX, I viewed my credit report and started making positive strides towards paying off delinquent charges and debt. In XXXX of XXXX I called the number listed on my credit report which was XXXX XXXX XXXX XXXX. The representative that I initially spoke to informed me that the Paypal debt of {$710.00} was forgiven and that I could not pay it off even if I wanted to because they were no longer collecting. In addition to this, a 1099-C would be sent to my current address and I'd have to take care of once I filed taxes. I waited until XXXX of XXXX to receive the 1099-X and never received it. I called back multiple times afterwards. One representative XXXX XXXX XXXX ensured me in XXXX that the form was mailed out and that I would receive it the following week. I never received it. The representative that I talked to on XX/XX/XXXX was the most helpful and sounded the most concerned about my issue however, I am now entering a critical time where I now NEED the form. The Paypal representative today XXXX XX/XX/XXXX ) that paypal stopped reporting it to the credit companies on XX/XX/XXXX. This is not true. This debt is being reported as of XX/XX/XXXX.
Consumer complaint received 2019-04-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

Earlier this year I discovered an account on my credit report that I wasn't familiar with. It is being collected by Midland Funding or Midland Credit Mgmt. I sent the credit bureaus   disputes and they verified the debt as valid. I also disputed directly with the collector and the collector mailed me a simple statement generated by their computer that says I owe a balance. They did not send me anything linking me to this debt they claim I owe. Their statement sent as a response is attached. I wrote them a second letter and pointed out they did not send me anything as proof and that anyone could create their own statement and claim someone owed money. This letter is also attached to this complaint. They responded by sending the exact statement again with a new date on it. This second statement is also attached. I have read enough to know that they can't just demand money from me without proper paperwork to support what they are collecting.
Consumer complaint received 2019-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MA)

Thanks for the opportunity to file a complaint. 
Debt collectors have contacted me for at least 20 years about a XXXX XXXX 's various debts. I am disgusted. I am sending the letter below to this company. Honestly, I fear letting these people know my real name.

Why do you ask at the end of this complaint if I am the account holder or debt owner? I am neither. That is the problem.

Transworld Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX   XXXX Dear debt collector, Re Transworld systems account number XXXX I am not XXXX XXXX. I have never been XXXX XXXX. It is not a derivative of my name. I have no children and do not have any relatives by that name.

No one by that name has ever lived at this address. Fact.

Even better, I have been a XXXX XXXX customer most of my adult life and definitely the past 26 years. XXXX XXXX knows who I am and knows that I do not owe them a dime and never have. If I owed that money at my address I would not have heat and lights and you know it.

Attaching someone elses first name to my last name and address is filthy.

You can threaten that unless I spend the time I have in life on someone elses debt that it then becomes a valid debt for you to pursue?

Why dont you pursue the right person?

But you never know right? One day, maybe soon, I will be so old and infirm that I just might pay someone elses debt and you will get a commission.

Maybe I will die and someone will pay XXXX   debt to settle the estate and you will get your commission.

Debt collector, try harder to find the right person.

Remove my contact information ( address ) from your file.

Do not contact me again.

If you have reported this debt to my credit file using my address, remove it.

I will be filing a complaint with the federal consumer protection bureau.

I am sick to death of collectors coming to me for someone elses debt.

I am not signing with my name because I believe you will then update your records with it.

Look up your own account number. You have the wrong person.
Consumer complaint received 2018-09-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

Trying to refinance with a company that is known for illegal actions. Quicken says they have all the info to refinance then, all of a sudden, drops it saying the present company has and shows late payment, after they say it is their fault for not notifying me of increased house payment. Quicken is just as irresponsible and as illegal as they are.
Consumer complaint received 2018-09-15
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. (CA)

XXXX XXXX VISA CREDIT CARD FROM XXXX, XXXX XXXX ACCOUNT WITH XXXX ONLINE SERVICES AND PERSONAL CHECKING ACCOUNT FROM XXXX XXXX WER ALL LINKED. A XXXX PAYMENT EITHER NOT RECEIVED OR PROCESSED BY XXXX  CAUSED A 30 DAY XX/XX/2018 NEGATIVE REPORTING FROM XXXX TO CRA 'S. I FOUND OUT ABOUT THIS ISSUE ON XX/XX/XXXX, I WAS NOT CONTACTED ABOUT NEGATIVE CREDIT REPORTING VIA NOTIFICATION BY XXXX. 
THE 30 DAY ADVERSE ACTION CAUSED A CREDIT REDUCTION, FEES, ADDED FINANCE CHARGES, A REDUCTION IN CREDIT AVAILABILITY TO A DECLINE FOR CREDIT A CREDIT RATING IMPACT. I CONTACTED XXXX ABOUT XX/XX/XXXX AND WAS TOLD THEY COULD NOT DO ANYTHING, THEY DID NOT OFFER A ONE TIME GRACE PERIOD OR ANOTHER REMEDIATION.THIS IS THE SECOND CHASE PRODUCT THAT SUFFERS FROM BILLING ISSUES, REPORTING ISSUES AND NOTIFICATION ISSUES FACTA, FCRA, CONSUMER PROTECTION LAW, IT IS WITHIN THE PENUMBRA OF THE ESTABLISHED CONCEPT OF UNFAIRNESS. I REMIND XXXX  OF THE CFPB CONSENT ORDERS AGREED TO BY XXXX, FILE NO XXXX- CFPB- XXXX  AND FILE NO XXXX- CFPB- XXXX
Consumer complaint received 2019-09-06
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. (NJ)

I had an XXXX XXXX account that was left unpaid due to unemployment. 

I made arrangements with XXXX beginning with a payment schedule commencing XX/XX/2018. The full balance of {$4000.00} was paid in full. 

The account shows delinquent on ALL credit reporting bureaus such as XXXX, XXXX  and Experian.
Consumer complaint received 2022-08-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I received an alert that two inquiries were placed on my credit report by : Bank Of America - XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 I do not recognize these accounts. I did not apply for any new accounts.
Consumer complaint received 2018-07-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC (TX)

Someone opened a fake account in my name and address with XXXX XXXX XXXX That person 's email address is XXXX. The purpose of this complaint is to register this email as fraudulent and the owner participated in falsifying my information to make transactions on XXXX back on XX/XX/2018. They closed that account XX/XX/2018. I received a letter from a debt collector ( ACI ) dated XX/XX/2018 that I owe XXXX {$1400.00}. Transactions were made to someone named XXXX and another person XXXX XXXX. I do not know these people. XXXX has resolved the issue to my satisfaction. I just want to report this email and make people aware that they need to immediately call XXXX if the get a letter like this or suspect fraud.
Consumer complaint received 2023-08-24
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: World Acceptance Corporation (SC)

Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4