davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-05
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. (VA)

This company continues to report inaccurate amount of voluntary repossession or all three credit reports. I called the company 2 years ago and no record of me in their file. As well as, filed a compliant through CFPB. The letter I received is that the company is looking into this information. The vehicle was voluntary given back to the company but it says I owe an outrageous balance. Reports as derogatory every month like clock work continuously lowering my credit score.
Consumer complaint received 2018-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I disputed this debt with Resurgent Capital / XXXX XXXX twice and in XXXX and XXXX they provided me a " verification of debt '' after asking for a validation of debt. I do not recall " XXXX XXXX '' debt and therefore I asked they provide a documentation showing where this came from and linking me to the debt. All they have been able to do is send me an " internal '' statement and no evidence or burden of proof this debt and amount owed is mine. When I called them today to just say I will pay it to go away they advised me they can not delete it. Why would I pay XXXX for a debt especially when it is scheduled to be removed next year. In addition, if I pay it then the account will update with the bureaus then causing my score to drop. I feel as though I am between a rock an hard place. So, when I spoke with XXXX today and once again asked they provide validation she stated I will need to put it in writing once more. When I asked her what validation they will provide she stated it would be what they provided in the past. How is it that LEGALLY they can fo this??? This is an injustice and is a kink in my consumer rights. Please look into this for me?
Consumer complaint received 2022-03-30
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. (MS)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.
Consumer complaint received 2018-11-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Receivables Management Partners, LLC (IN)

My husband was already Garnesh for the same XXXX XXXX bills that they are trying to sue him for right now again.. He had already paid these debts they are trying to collect again. and they was settled and paid In XX/XX/XXXX and two Ganeshments in XX/XX/XXXX. XX/XX/XXXX/XX/XX/XXXX. XXXX XXXX XXXX XXXX. of XXXX, Indiana. filed a hearing XXXX XXXX for XX/XX/XXXX For XXXX XXXX .at XXXX XXXX,. they filled on XX/XX/XXXX. the post card said XXXX XXXX XXXX XXXX XXXX XXXX . amount due on post card says not showing. case # XXXX. My home loan is paid on time how can they send me a court eviction hearing notice?. His credit report says XXXX XXXX is on his report for {$330.00} settled in XX/XX/XXXX Now those was part of a Ganeshment that they already collected from paid out to them XX/XX/XXXX. {$410.00} Settled XX/XX/XXXX. {$220.00} Settled in XX/XX/XXXX. {$600.00} Settled on XX/XX/XXXX. We due owe a {$6000.00} Hospital bill they are trying to collect with all of them bundled together. XXXX credit has already got over {$17000.00} total from us in Garnesment Wages paid in full as of XX/XX/XXXX. from his check i have papers to show they received this amount of money from his work in wages.. it was for credit card and Medical bills. his credit card debt was only XXXX dollars i have the original paperwork on that credit card debt. I also have all my copies of our old credit reports going back as far as XXXX. They call my cell phone XXXX times a day with different fake XXXX numbers. I try to call back and it says they can not except incoming calls.
Consumer complaint received 2018-11-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Century Credit & Collections, LLC (CA)

The credit collection agency Century Credit Collections on XXXX XXXX XXXX., XXXX CA XXXX will not send me a written letter showing the debt, the amounts owed, the amounts they have added in fees over the last 5-7 years. 

They tell me they will only furnish something in writing ONCE I make a payment arrangement. I will not make an arrangement until I have something in writing, which I should be given per section 809. Validation of debts of the " Fair Debt Collections Practices Act ''.
Consumer complaint received 2018-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Receivables Performance Management, LLC (FL)

The FCRA has dropped my credit score by 93 points within the last 45 days. Due to an old collection account that keeps getting sold to a new collection agency. I haven't had any other activity on my credit in the past two years. The FCRA has also taken it upon themselves to change the status of my charged off accounts to closed accounts with an outstanding balance. Based on some research I conducted, accounts that have been sold to Collection Agencies should be considered paid off by these agencies to the debtor and should no longer be shown on my credit file, or should have a zero balance. I want an investigation done to consider why my score would go down so drastically based on an old collection account that was sold to another agency that started a new report.
Consumer complaint received 2018-11-03
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. (CA)

What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with XXXX  but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them..CFPB please step up and remove the accounts listed asap : XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2018-11-03
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. (CA)

What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with XXXX but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them..CFPB please step up and remove the accounts listed asap : XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BETHPAGE FEDERAL CREDIT UNION (NY)

i have a home equity line of credit with XXXX XXXX XXXX XXXX XXXX. In XX/XX/XXXX, I owed {$1400.00} on the line of credit, i called the rep that i would like to pay up the line but keep the line of credit open for future use. I sent in the funds in XX/XX/XXXX. i received statements in XXXX, XXXX, XXXX, showing that line of credit is XXXX balance, and the savings account has {$5.00} balance ( required ). 
I received the XX/XX/XXXX statement and i noticed that there was a withdrawal of {$2.00}. i called to ask what it was for, she said that it was interest for the line of credit still owed, i sent the money. 
I got my credit score and notice that XXXX is showing that i have an account delinquent for 60 days. i called the banker, it seems that XXXX requested to close the account and not sure what they show as delinquent. 
I tried to call to a few reps and each one puts me on hold and is not helpful. 
my line of credit is perfect and this is unfair for them to show that my account is delinquent. there is nothing that i owe to XXXX
Consumer complaint received 2022-03-30
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: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting act, 1. XXXX, XXXX XXXX XXXX XXXX XXXX Account Numbers # # # # # XXXX, # # # # # XXXX, # # # # # XXXX and # # # # # XXXX 2. XXXX XXXX XXXX Account # 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 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have some inquiries that are reporting on my reports that I did not authorize, I have no idea where they came from! When I contacted the creditors they told me it was all electronic and I needed to dispute with the bureaus, so I did starting in XXXX of XXXX. When I found out they were supposed to respond within 30-45 days but I never got an answer, I sent another letter on XX/XX/XXXX, Still nothing so I sent them in XX/XX/XXXX and XX/XX/XXXX through certified mail so I could track it. They were delivered but I have never received any mail from them showing that they were investigating or anything! This is not acceptable or legal.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified 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 ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by XXXX and the XXXX XXXX XXXX and may have gotten into the wrong hands.
Consumer complaint received 2018-11-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (GA)

I received notice of the debt from my credit report and when I contacted the agency, I was told they could not provide me with am itemized statement of the debt or proof of me signing a HIPAA form allowing my information to be transferred to them - a third party company.
Consumer complaint received 2018-11-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: PNC Bank N.A. (SC)

PNC is the first bank I have opened an account with, and anytime there was an issue they always seemed to make up for it in their excellent customer service. My Fianc and I both have PNC accounts, and he has had problems multiple times, as I see many before him have as well, of dissappearing funds on the Virtual Wallet leading to overdrafts. I had never had an issue with it, until now. Our 1 year Anniversary was XX/XX/XXXX. So, we decided to stay in a decent hotel for {$98.00}, plus a {$25.00} pet fee for our dog. We went to dinner ( spending {$22.00} ) and some cookies ( spending {$8.00} ). This was on XX/XX/2018. However, the charges remained pending until XX/XX/2018. The money seemed to already be taken from my account, so I thought nothing of it, and we bought lunch for {$40.00} and some retro candy for {$19.00} the next day. Those purchases were made XX/XX/XXXX, but they also remained pending until XX/XX/XXXX. Still, they seemed to be automatically taken out, so I thought nothing of it. I could keep going with purchases that were made in this process, but I would just be carrying on for ages, so I will get to the point. Purchases that were made on XX/XX/XXXX-XX/XX/XXXX, weren't actually charged until XX/XX/XXXX-XX/XX/XXXX. In the middle of all this, I received a XXXX of {$200.00} on XX/XX/XXXX, which now shows up as being received on XX/XX/XXXX. The pet fee, the dinner, the cookies, and the hotel were all extracted from that {$200.00} and it did not show that way until XX/XX/XXXX. We had gotten gas for {$10.00} on XX/XX/2018 that did not get removed from my balance until XX/XX/2018. I started the day with {$37.00}, spent roughly {$15.00} and now my account is overdrafted. What is even more upsetting, is the fact that I have a student account, so that should not have happened in the first place. I have called twice, once on XX/XX/2018 and again on XX/XX/XXXX. Both times, I was told to wait for a manger to call me back with in the hour, which never occurred. I have never overdrafted my account before and I always keep track of my balance after my purchases, so for this to happen is incredibly upsetting.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

15 US Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under 15, US Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer reporting agency any WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer. As a consumer, I am demanding the deletion of the accounts listed immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-30
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. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.
Consumer complaint received 2018-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL (SC)

On XX/XX/2018 XXXX XXXX and XXXX XXXX were sent letters of validation via certified mail. The return receipts show XXXX XXXX 's letter was received by XX/XX/2018 and XXXX XXXX letter was received by XX/XX/2018. I heard no response from XXXX XXXX   until XXXX XXXX-which you can find in the attachments they provided in my last complaint made to them. Well pass the 30 days allotted by federal law to respond to a debt validation letter. XXXX XXXX sent a letter dated XX/XX/2018 but the post mark date reflects it being in the post office 's possession XX/XX/2018, per the corrected post mark date made by the postal service. In the envelope sent by XXXX XXXX they were requesting additional information 29 days after receiving the VOD letter and waited almost a week to send the letter off, which also shows lack of priority and willingness to follow federal law which states the company has 30 days from the date the letter is received to postmark a response. I filed a CFPB complaint and have contacted the 3 major credit reporting agencies of this neglect and the items still remain.
Consumer complaint received 2022-09-15
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. (NV)

In accordance with the Fair Credit Reporting act XXXX Account. XXXX XXXX, 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 2022-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: WELLS FARGO & COMPANY (FL)

On or around XX/XX/2022 I received notification that my account was frozen and overdrawn by an additional amount of {$13000.00}. These charges were made on a replacment card I was waiting to receive from Wells Fargo since early XX/XX/2022 which I was informed it will be mailed out in late XX/XX/2022 whenever inquired about delivery status. I have reported this problem to the local police dept, FTC, United States Postal Police, and CFPB to get this resolved as soon as possible.
Consumer complaint received 2019-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (PA)

At the end of XX/XX/XXXX I refinanced my mortgage with Ditech. They received the wire to payoff my mortgage ( which was sent by the title company based on their payoff instructions ) on XX/XX/2019. I have the wire operations confirmation. The routing and account number the title company used was correct ( we verified that with Ditech. ) I received a late payment notice on XX/XX/XXXX stating that my mortgage payment was late, I was assessed a late fee, and it still showed the full balance of my loan. The {$250000.00} that was wired to Ditech was never credited to my account. After several HOURS on the phone with customer service I spoke to XXXX who claimed to be a supervisor. He said he has no idea what happened to the wire, but that it was not applied to my account. He said he could not verify that they received it. I asked to speak with his supervisor and he said she was on vacation and there were no other supervisors I could speak to. He said they would try to call me back in 3-5 business days. 
I now have TWO MORTGAGES on the same house, and Ditech can not tell me what happened to my wire ( that I have confirmation that they received. )
Consumer complaint received 2018-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (OH)

I spoke with a representative from PNC around XX/XX/XXXX or XX/XX/XXXX.  They said that a credit of {$500.00} would be transferred back into the account to compensate us for the confusingly labelled fees to view the images of the checks.The original complaint is XXXX. 

We never received that deposit. We did receive a deposit for {$350.00} but it was not the full amount that they stated on the phone they would make. 

XX/XX/2018 SERVICE CHARGE PERIOD ENDING XXXX XXXX {$350.00} This is disappointing to have to go back and request the full amount. 

What's even worse, we have not viewed any images at all since then. And we received another automatic transfer from our account for {$240.00} XX/XX/2018 SERVICE CHARGE PERIOD ENDING XX/XX/2018 {$240.00} At this point, the CFPB is the only course of action I have to try to remedy this issue and stop these erroneous and expensive charges. I have exhausted all options with the local branch and a top representative from the bank that handles customer service.