davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NJ)

I HAD A DEBT CONSOLIDATION COMPANY ASSIST ON PAYING THE ACCOUNT. PROOF OF SETTLEMENT WAS OBTAINED AND FORWARDED TO THE CREDITOR AND CREDIT BUREAUS THREE TIMES WITH 40-60 WAITING PERIODS IN BETWEEN EACH INQUIRY. 

THE ACCOUNT REMAINS ON MY CREDIT REPORT, REFLECTING AN OWED AMOUNT ( IN SOME BUREAUS ) AND CONTINUES TO AFFECT MY CREDIT STANDING EVERY MONTH. PLEASE NOTE THAT I HAVE ONLY UPLOADED ONE RESPONSE RECEIVED BY THE BUREAUS, EVEN THOUGH I ATTEMPTED TO REACH THEM THREE OCCASIONS. 

PLEASE INFORM THIS CREDITOR THAT, IF THIS MATTER IS NOT RESOLVE WITHIN REASONABLE TIME AFTER THIS CORRESPONDANCE, I WILL FIND MYSELF WITH NO OPTION BUT TO PURSUE THIS LEGALLY.
Consumer complaint received 2019-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NY)

My XXXX account was opened on or about XX/XX/2019. I was supposed to receive a {$50.00} promotion for meeting the terms within 60 days. I met the terms and the {$50.00} was due on XX/XX/19. However to date, the funds have yet to be credited to my account. I have contacted Wells Fargo on over 5 occasions and was advised it would be credited no later than XX/XX/19 but still have not received the funds as of XX/XX/19.
Consumer complaint received 2022-05-13
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. (IL)

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 719tXXXX 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 severe 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.with no help.
Consumer complaint received 2019-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (NJ)

On Friday, XX/XX/XXXX at approximately XXXX XXXX, I electronically initiated a transfer of funds ( {$29000.00} ) from my XXXX XXXX account to my PNC Bank checking account. On Saturday XX/XX/XXXX at XXXX I received a e-mail from XXXX XXXX stating that the funds transfer I requested had been sent to PNC Bank. ; The problem is that PNC Bank did not credit my account until Wednesday XX/XX/19. I can not understand why with the technology we have today, the transfer of funds should not take any longer than one day. I was in the process of purchasing a new vehicle and needed the funds.
Consumer complaint received 2019-04-26
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. ()

All three credit reporting agencies are reporting an incorrect balance on my credit card. The balance on my XXXX XXXX XXXX XXXX XXXX has been approx. {$13000.00} for several months. The agencies are reporting a balance of approx {$19000.00}. They corrected the inaccuracy couple of months ago, only to return to the incorrect reporting of the $ XXXX+ figure a couple of weeks later
Consumer complaint received 2022-05-13
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. (IL)

Hi I am submitting this 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 severe 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.with no help.
Consumer complaint received 2022-05-13
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  Account # XXXX XXXX  Account # 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 2020-12-18
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (SC)

My husband and I obtained a home equity loan in XXXX. The funds that we received were to go to Sallie Mae to pay off 2 private loans that in total were about {$11000.00}. Sallie Mae received the funds and were told and it was indicated in the refinance paperwork to pay off one of the private loans totally, which would leave a small balance for the second loan. I anticipated that the refinance would pay off both loans in entirety. I have obtained all of the deed information the amount of the refinance from my counties register of deeds. I am in the process of obtaining the actual settlement statement. I would like to at least get some information because I see class action suits but South Carolina is not included and I have not had a attorney review any of this yet due to finances.
Consumer complaint received 2020-12-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Advance America, Cash Advance Centers, Inc. (MO)

I got an installment loan from Advance America of {$1000.00} on XX/XX/XXXX. LITTLE did I know, that they would charge me a XXXX interest rate!! So I owe them back {$5400.00}, so I will have to pay them {$6500.00}! Thats a car! And I will not finish paying them twice a month of {$130.00} apparently until XX/XX/XXXX. I can not handle this type of loan by myself at all. They can shoot my credit down or do whatever they want, but this is robbery at this point. ROBBERY. And Ive spoken to an associate about this already because I wanted the situation handled or refinanced even as I havent made a first payment, because Ive had XXXX  these past two weeks and had no idea how much it truly was, XX/XX/XXXX.
Consumer complaint received 2019-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

To whom it may concern, We have a VA loan with PennyMac Loan services. In XX/XX/XXXXwe knew we would have difficulties paying the monthly payment in full. We called PennyMac to let them know it would be late. They recommended we do a loan modification. After lots of questions, we agreed. We were told to take XX/XX/XXXX and XX/XX/XXXX and not pay the mortgage while the reviewed and prepared for our 3 trial payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). We were told all of it would be reported to the credit bureau as a part of the loan modification process and be grayed out, not impacting it negatively. 

However, when we went to get a new home loan we say that XX/XX/XXXX-XX/XX/XXXX were included but not XX/XX/XXXX. Therefore, XX/XX/XXXX displayed a 90+ day late amount. As a military family moving to a rural area with limited rental options, we panicked and called the company to resolve the issue. 

We were informed they wouldn't fix it as nothing was misreported. So we submitted a complaint to the XXXX which finally got them to call us and investigate. We were sure after listening to the recording that they would amend the issue and include XX/XX/XXXX in the process, as we were told, and XX/XX/XXXXwould be corrected ( as we DID make the payment that month ). However, the young lady investigating informed us she found no evidence of anything being said in the recording. We asked if we could simply be given a one time courtesy forgiveness and change. We were told they be we do that under any circumstances ( which we know to be false ). 

After more discussion, we contacted her directly and requested the transcript from the conversation to review and see if we could locate where we were told to not make XX/XX/XXXX/XX/XX/XXXXXX/XX/XXXX payments. However, despite several attempts to reach her, the Penny Mac representative has refused to return our calls. 

We firmly stand by the fact we were told to take XX/XX/XXXX and XX/XX/XXXX to not make payments. Had we known we needed to make them, we would have. While they included XX/XX/XXXXthey still refuse to amend this to include XX/XX/XXXX.
Consumer complaint received 2018-04-26
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. (MI)

As POA for my father ( who suffers from XXXX XXXX XXXX ), I am attempting to pay and close his overdue account at Citi. 
I've been given multiple fax numbers and mailing addresses, and after sending my POA docs a total of SIX different times, I am still not listed on the account, nobody will speak to me, and I can not get a final invoice to pay. 
Citi is making it impossible to pay a bill.
Consumer complaint received 2022-05-13
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. (NH)

On XX/XX/XXXX, XXXX I sent a letter to validate a debt to both XXXX and XXXX. I did not receive a response so I sent a letter to Equifax regarding both XXXX and XXXX alleged Collection accounts in XX/XX/2022. I did not receive a response, But they updated my credit report to show it was disputed. I then sent another letter in XXXX, and still have yet to receive a response. 

Not only has the collection company not been able to provide any proof of this alleged debt, but Equifax has not AND Ive attached a copy of my credit report highlighting ALL THE FCRA violations Equifax has violated. They literally CHANGED the XXXX year history from all on time payments and all the sudden ADDED a XXXX late pay in XXXX of XXXX. Which its reporting as a collection- 1 ) collection accounts are NOT to report as an OPEN account, they are reporting a Past due balance and they can not by LAW add a 120 day late payment... THIS IS 4 VIOLATIONS OF FEDERAL LAW. 

Ive attached copies of my credit reports to show that they added the late payments and all the letters that have been written and sent certified and received. 

This is unethical and it is harming my credit.
Consumer complaint received 2020-12-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

i have reached out to Portfolio Recovery Associates several times via Certified Letter asking them to provide signed documentation by myself proving that I owe them the debt. They have failed several times to provide any document bearing my signature proving it. 

This is in reference to Account # XXXX
Consumer complaint received 2019-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

The Capital One Credit Card on my report should not appear on my credit report the amount shown is the owners card not my card ; I am only an authorized user and no longer have this card and my total usage does not compare to the owners total my total was very minimal.
Consumer complaint received 2019-04-26
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 (MN)

The account was settled for less than full amount with a 3rd party however the original creditor is reporting the account charged off and not settled in full SYNCB/CARE CREDIT IS THE ORIGINAL CREDITOR. 
THE DEBT WAS SOLD TO XXXX XXXX  AND I SETTLED WITH THEM. THE LETTER IS ATTACHED.
Consumer complaint received 2019-04-25
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (OR)

US Bank Debit Visa Check Card ending XXXX XXXX XXXX XXXX Debit Visa Card ending XXXX XXXX XXXX XXXX Debit Visa Card ending XXXX http : //Pay.gov Tracking ID : XXXX .Information to bank to remove the debit block. Company ID : XXXX Name : XXXX XXXX Invoice from XXXX XXXX bank XXXX ( XXXX ) Unclaimed Payment ( XXXX ) XXXX Merchant Payment Profile ID : XXXX USA NATO Bill Pay Federal Document Nbr XXXX Executive Office for Immigration Tax Reform USA President XXXX XXXX XXXX Itinerary Summary On Hold Record Locator : XXXX   This reservation is on HOLD until XX/XX/2019 XXXX XXXX CET ( Central XXXX Time ). 
Electronic payment Receipt Acknowledgement - XXXX  ( XXXX ) Have No valid Ticket number - XXXX member XXXX
Consumer complaint received 2020-02-09
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: HCFS Healthcare Financial Services of TeamHealth (FL)

Dear Collection Agency Rep. THIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains I am requesting, under the provisions of the FCRA, 15 USC section 168ii, that you investigate this account. I am requesting that you provide validation of these debts. True validation should not be simply verifying the original creditor, my name, and my social security number. Validation must have the requisites to enable it to be recognized and enforced by the law. In Hinkle v. Midland Credit Management , Inc., the Courts said, during a dispute and subsequent reinvestigation, with the original creditor, collection or a credit bureau, that the original creditor or collector must provide account level documentation. That means an original contract or similar proof ; not just a printout of the payments that were made. It does not suffice. Provide me with the following : A copy of the original contract you alleged I signed. An accounting of how payments were applied. The interest that was added along with any ancillary charges. Identify the original creditor. Prove the Statute of Limitations has not expired. Provide verification or copy of a judgement if there is one. Provide licensing information that allows you to collect in my state. Per the FDCPA 1692G, all collection activity must cease until validation is supplied. Collection activity includes credit reporting. Per the FDCPA this should not be reported to an CRA until validation is provided. If you fail to comply to this request to investigate and delete 30 days from the date of this letter, I will be forced to file a complaint with the CFPB. I will avail myself to pursue all my rights of private action under the FDCPA and or the FCRA where appropriate.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

i went to apply for a home loan and i was turned down do to my credit, upon reviewing my credit i discovered that am a victim of identity theft, someone has been using my identity to obtain services and goods using my personal information.there are fraudulent address, phone numbers and email address listed on my current credit report that do not belong to me.
Consumer complaint received 2022-05-13
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. (MI)

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 severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2017-05-29
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. (CA)

Experian Deleted  XXXX   XXXX  from my report other than reporting all payments made on time. Experian refused to put in righting why it was deleted. I talked to multiple representatives and was treated with disrespect. I asked for management staff and was given a number of someone and left message and di not get a returned call. I do not remember who it has been a while. I had to take a break from this as it has been to much   XXXX   trying to deal with a system that is geared towards protecting companies other than consumers. More so if you fall into l ow credit score. I ha ve never had to deal with this and now see how our current is geared toward keeping low score people enslaved and abused. I have a  XXXX  I have made it clear to EVERYONE and it falls on deaf hears. I feel as if everyone would rather I follow through with my   XXXX   XXXX  .
Consumer complaint received 2022-05-13
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)

I contacted Wells Fargo on XX/XX/2022 and was advised that the credit reporting for XX/XX/2022 was incorrect & would be updated by two representatives. I called to follow up on the request on XX/XX/2022 as the delinquency was still being reported. I spoke with two representatives that advised that the credit reporting was updated to Current and that I should receive a letter in 7-10 business days though they were unsure when the credit reporting would be updated. I asked for the letter to be escalated as I am in the process of a refinance and then a 3rd representative advised that there was not a credit reporting update and that the 30 day delinquency would remain. Wells Fargo continues to handle this issue with deception and abuse of power. The delinquency was not my error and they fail to update it. The delinquency for XX/XX/2022 payment for the XX/XX/2022 reporting is incorrect & should be reported as Current. I spoke with XXXX and a case escalation has been opened for review however I have spoken to 5 reps today alone. The delinquency reporting for the XX/XX/2022 payment in XX/XX/2022 needs to be removed.