davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (CA)

-- -- -- -- -- Forwarded message -- -- -- -- -- : Complaint against Wells Fargo. 





This is a complaint with Wells Fargo Bank regarding my Visa Credit Card number. 


I don't have the exact dates for the first two times this same problem came up on my account but for the third time I do. 

On XX/XX/2018, there was a deposit into my credit card account for {$300.00} that was made in branch in cash. The number for that transaction is : # XXXX. I called the bank ( Wells Fargo ) and explained the mistake was not my deposit. Finally, on XX/XX/2018, the deposit was reversed and that transaction number is : # XXXX. This was the third time this same amount has been posted to my account in error and takes at least 4 - 6 weeks to resolve it. 

Now on XX/XX/2018, there was posted to my same credit card a " Payment Reversal '' in the amount of {$280.00}. The number for that transaction is : # XXXX. I have called the bank several times trying to get this resolved as this payment is not mine to begin with. I have no idea where it came from and why it is added into my balance. I have explained this in detail to several different people in Wells Fargo, at their customer service number : XXXX. Each time I have called this number and explained the issue, I am transferred to several other areas that are suppose to resolve this issue. I get the same response : Someone will get back to me and get this issue resolved as they recognize this is a banking error. 

I have yet to be called back, sent an email, or rectified my account with this {$280.00} payment reversal. The last call was on Saturday, XX/XX/2018 and I was assured I would receive resolution on XX/XX/2018. I have yet to receive that call and the {$280.00} payment reversal is still on my account.
Consumer complaint received 2023-04-03
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. (WI)

I have an ongoing problem with our mortgage company XXXX ( XXXX ) which has been going on since XXXX. I had filed a XXXX  XXXX in XXXX of XXXX which ended in XXXX XXXX. At the end of my XXXX  XXXX XXXX / XXXX had merged and informed my attorney I needed to pay them another XXXX. Or my XXXX  XXXX would not be closed. I had taken money from my tsp and paid the amount they stated I needed to pay to finalize my XXXX  XXXX. 
Since my XXXX  XXXX has ended they have reported to the credit reporting agencies that I have been late/ behind on my mortgage with them for the past 4 years. 
They had applied my monies to my escrow account instead of mtg. I have called them numerous times about this over these years trying to get this resolved with no success. I send my payment every month certified so I know when they receive my payment and they are not late. They have falsely reported this to the the credit agencies therefore affecting my credit. I have an ARM mtg which they have now moved up to 10.2 %.
Consumer complaint received 2019-10-02
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. (OH)

I was going over my credit report FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that are not accurate FOLLOWING ACCOUNTS ARE NOT MINE : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX case # : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX  XXXX # XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX # XXXX and filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA 805/806/809. demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.
Consumer complaint received 2021-07-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC. (GA)

I dont know who these AFNI people are who just destroyed my credit by making the score drop by XXXX points for an account that was established that it is not mines. I DO NOT OR NEVER HAD A XXXX ACCOUNT. They keep selling this {$84.00} account that has been taken off my credit by XXXX  for not being able to prove that it was my account. XXXX does not even have my social security number when I inquired about the account. So why would you continue to. Try to destroy my credit and reputation like this.
Consumer complaint received 2022-01-12
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)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information
Consumer complaint received 2021-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: HSBC NORTH AMERICA HOLDINGS INC. (LA)

I had a {$5000.00} line of Credit with HSBC MasterCard for the last two years. I did a Balance transfer and began paying the card off. 
XXXX XX/XX/2021 I paid {$5000.00} which paid off the card. 
XXXX XX/XX/2021 received an email from HSBC congratulating me on paying of my balance transfer and will help my FICO score and getting on the road to financial success. 
* XX/XX/2021 Received my statement and a {$4.00} remaining interest charge was on it with the credit line still {$5000.00} and credit available was {$4900.00}. 
XXXX XX/XX/2021 Autopay paid the {$4.00} statement balance. 
XXXX XX/XX/2021 checked on line to make sure payment was posted and noticed my credit line changed to {$500.00} ( a reduction of {$4500.00} ) with {$470.00} credit available. I immediately Contacted Customer service and after three transfers 5 differed hold times and a total of 56 minute phone call and no reason could be found as to why my credit line was decreased. It was noted that a hard copy notification letter was sent but unable to locate the letter or verify it was actually sent as no date of mail was documented. The CSR was confused as to why this was as well. Then he put me on hold one more time which disconnected me. 
XXXX XX/XX/2021 Received my statement with a {$29.00} balance for a charge, but credit line changed to {$500.00} ( a reduction of {$4500.00} ) with {$470.00} credit available. 

This is the 4th financial agency that has done this to me after paying of my cards. I had payed my payment 100 % on time and my income has stayed the same. 

These actions affect the most crucial part of my credit score and report as the percent of credit used to line of credit ratio is the number one affect on a persons credit score. 

The move by HSBC dropped my credit score by 3 points and put me well below the 720 which is what is needed to get the best Home Mortgage Interest Rate. 

It does not encourage anyone to payoff the credit cards if it is only going to lower your credit score.
Consumer complaint received 2022-01-12
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: EQUIFAX, INC. (MD)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2022-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Synovus Bank (SC)

I didn't know my First Progress Credit card was stolen, from my previous address in the process of moving in XXXX. I have a balance of {$350.00} and reoccurring late payments that I did not know about. They closed the account but I am a victim of identity theft and credit card usage that's not my own. And the mail that they sent me says I have another past-due payment on XX/XX/2022 XXXX
Consumer complaint received 2022-10-06
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-06
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-07-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC (FL)

I was checking my credit report and I noticed this company that Recovery Solution on my credit report I 've never done any type of business whatsoever with this com pany or who I owed it to a few years back my identity was stolen I tried communicating with the company that Recovery Solution and they did not want to hear what I had to say they refuse and sometimes hung up on me I did dispu te it with my credit bureau and they are denying the fact that I have rights in the consumer act. And it 's  not just one collection agency with debt recovery they have at least  XXXX  on there which is not mine relat ed to that Recovery Solution or more and they are not mine. Some of these items are placed on there  XXXX  times of the same amount and I have called the company that they are reporting it to and they have wrong addresses which I disputed with my credit agency. Please have them remove all that recovery collections off my report immediately.
Consumer complaint received 2022-01-12
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: EQUIFAX, INC. (NC)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2021-06-10
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (TX)

We began working with XXXX XXXXXXXX XXXX XXXX getting our FHA loan started in XX/XX/2021. 
On XX/XX/2021 the underwriting process began and we submitted all of our documents that New Rez, LLC and XXXX XXXX XXXX XXXX requested. 

On XX/XX/2021 we communicated via email to XXXX  inquiring when the appraisal would take place because our banking information had already been taken. 
On XX/XX/XXXX we were told the appraisal had been ordered through XXXX XXXX  by XXXX. 

On XX/XX/2021 the XXXX XXXX transaction was processed from our account. 

We were scheduled to close on XX/XX/2021 per the sellers request. 

Since all necessary requests from New Rez, LLC had been submitted there was no doubt in our mind that we would be off schedule. 

On XX/XX/2021 we received email correspondence from XXXX XXXX that the appraisal had been scheduled and provided the appraisers information. 

Since this time we found out that the original request on XX/XX/XXXX had actually been CANCELED after I personally called to see why there was a delay. 

The appraiser told us the earliest he could schedule it was XX/XX/2021. 4 days AFTER we were scheduled to close. 
Since we were in a rental home and we had fully prepared to move on the XXXX now we were officially to vacate the home by the XXXX. 

Our entire household belongings have currently been sitting in a XXXX Truck since XX/XX/XXXX that we are STILL paying for because as of right now, XX/XX/2021, we still have not closed on this home. 

We have had so many delays with New Rez LLC, XXXX XXXXXXXX XXXX XXXX  and XXXX XXXX attention details. Each minute is costing us money in interest, XXXX  fees, and emotional distress from not having our home. We have been fortunate to have family close by let us stay because paying for a hotel would not be possible. 

We will NEVER use these companies again for anything.
Consumer complaint received 2023-04-03
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: MARINER FINANCE, LLC (CA)

I am filing a complaint against Mariner Finance due to the practices of the company. Dealing with Mariner Finance I requested multiple times to not contact me until after XXXX Monday - Friday due to the circumstances of my employment. Not only has Mariner Finance violated my rights it was as if I never requested for them to not call me between the hours of XXXX - XXXX. 
Due to their violation, I requested {$1000.00} per violation. I am backing up my claim under Fair Debt Collection Practices Act : 15 U.S.C 16929C ( A ) ( 1 ) which states at any unusual time or place or a time or place or which should be known to be inconvenient to the consumer. In absence of knowledge of circumstances to the contrary ; a debt collector shall assume that the convenient time for communicating with a consumer.

Marnier Finance has constantly contacted me at numerous inconvenience times which could have led to other consequences at my employment, as a result they have violated my rights plenty of times but here are the most accurate times they have contacted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this was after I asked them not to contact me until after XXXX pm XX/XX/2023 XXXX am XX/XX/2023 XXXX pm XX/XX/2023 XXXX pm As you can see through the complaint, Marine has violated my rights which make it to where the company is responsible for {$1000.00} each violated. 
If you have questions, you can email me at XXXX or contact me at XXXX Thank you, XXXX XXXX
Consumer complaint received 2021-09-23
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY (MI)

i received an email asking how was the recent phone call //// but i didnt call nordstrom. i called them, telling them, that i did not call to close my account. it was not me. i am a victim of identity theft. 

i did not call to close my account
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I let TransUnion know that inquires were made in my name without my knowledge. I have been a victim of identity theft and have attached the document that they keep requesting over and over but saying that they are not getting it.
Consumer complaint received 2022-10-06
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. (WI)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2019-06-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Outsource Group, Inc (FL)

On XX/XX/XXXX I checked my credit report and realized there was an account reporting derogatory. On XX/XX/2019 I mailed Medicredit Inc in regards to account number XXXX. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws of the debt they claim I owe of {$1600.00}. I has been almost two months now and they have not responded to my letter that was sent certified mail on XX/XX/2019. Not only has it been more than 30 days since they signed for my letter on XX/XX/2019, but they also have not updated my credit report to show that this account is in dispute. As a result I am requesting that they have this account removed from my credit report
Consumer complaint received 2021-06-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (PA)

XXXX XXXX continues to insist that I owe {$67.00} for medical supplies shipped out on XX/XX/2020. XXXX XXXX currently has hired the debt collection agency I.C. System to assist them in their attempts to collect on a debt that is not owed. 

My health insurance company XXXX XXXX has already made payment in full to XXXX XXXX for the services rendered. I have included the explanation of benefits as proof. 

I have made nearly a dozen phone calls to XXXX since XX/XX/2020 but the imbeciles employed by XXXX have yet to fix this issue.
Consumer complaint received 2019-03-28
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC. (GA)

I voluntarily repossessed my vehicle with Alley Financial due to losing my job. The vehicle was picked up, taken to an auction and sold for profit. Alley Financial then sent me a balance due that included two months car note, towing and recovery fee, auction fee and a storage fee. The vehicle was also charged off for tax purposes where as Alley Financial received a tax break. This should not be on my credit report.