davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-21
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: TD BANK US HOLDING COMPANY (CA)

I closed cancelled a XXXX XXXX insurance policy for my XXXX phone in XX/XX/XXXX. I was continously billed for the service after the policy had been closed. This non-payment lapse of greater than 90 days was reported to the credit bureaus and my FICO score plummeted. I paid {$95.00} in XX/XX/XXXX to close the account. This included late fees and monthly policy premiums. I would like repayment of the {$95.00} and the credit bureaus notified to the error.
Consumer complaint received 2018-12-07
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY ()

In XX/XX/XXXX I was heavily encouraged by Wells Fargo to open a safe deposit box. I opened the account on XX/XX/XXXX and never used the box. In XX/XX/XXXX we relocated to New Mexico and I closed my safe deposit box because I had never used it and it would do me no good in XXXX, Wyoming. I did continue banking with Wells Fargo utilizing a savings account, checking account, and retirement account -- all of which are still in use today. I never heard anything additional in regards to the safe deposit box, and didn't anticipate to since I had closed it in the branch prior to moving. On XX/XX/XXXX Wells Fargo removed {$40.00} from my savings account to pay for the safe deposit box they claim was never closed. Not only had I closed the account over 4.5 years prior I have never given Wells Fargo consent to withdraw any of my funds for any reason. On XX/XX/XXXX they deleted the transaction and credited back my {$40.00}, but they are not willing to close the safe deposit box I already closed without me jumping through hoops for them, and the representative I spoke with today informed that they could not assure me they would not take my funds again in the future if that account shows open.
Consumer complaint received 2022-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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  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 602 A. Also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-01-24
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. (TX)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2022-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

As attached, I mailed in my payment/remittance coupon for {$500.00}. on XX/XX/XXXX. It was delivered USPS by way of certified mail with tracking number XXXX on XX/XX/XXXX. As of today XX/XX/XXXX, there has been no credit received or applied on my account for the amount of {$500.00}.
Consumer complaint received 2019-08-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (FL)

I sent this company several letters asking them to verify this debt or remove it from my account. What they sent me back was just a letter with itemized charges that I allegedly owed. Theres no signed contract with my name or anything. That does not meet the federal trade Commissions guidelines of what constitutes proper debt validation! 
You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act.
Consumer complaint received 2023-04-28
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: ALLY FINANCIAL INC. (AZ)

I opened an account with Ally Bank on XX/XX/XXXX with my current address. XX/XX/XXXX I moved money from XXXXXXXX XXXX to Ally for a better interest rate. Opened a CD and put my husband on the CD. The bank called me stating that my address is not compliant with the Federal Patriots act of XXXX. I have the same address. I have bought a mobile home in this mobile home/ RV/ motel resort. I am being treated like a XXXX! I stated to them yesterday on the phone that not once have they asked for proof of address. Today now they will accept proof of the address. They threatened to close my account because of my address.
Consumer complaint received 2018-12-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC (OR)

On Thursday XX/XX/2018, I was notified by XXXX XXXX that a collection had been placed on my account. The collection was from XXXX XXXX XXXX ( original creditor was XXXX ) for {$290.00}. This dropped my credit score almost 50 points. First of all, I havent had an account with XXXX in over 6 years. I have received zero notifications about a debt owed, going to collections, being sent to credit bureaus, absolutely nothing. I tried contacting Waypoint multiple using two different numbers. One phone number listed on XXXX XXXX and the other on their website. Had I been contacted about this debt and shown that it was an honest debt, I would have gladly paid. However, after investigating, I have found out that multiple people are having the same issue with this company. Collections appearing out of nowhere, with zero notice, and all fairly recently. Many people believe it is a scam and I refuse to pay this until I have proof of this debt. I also want this collection taken off of my credit. I have worked very hard to build my credit back up and this has hit that hard with zero warning.
Consumer complaint received 2018-12-07
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Network Inc. (HI)

On XX/XX/2018 I received a postcard ( that was delivered to my neighbors residence ) containing the following : Full Name Address Estimated home Value The amount still owed on my home amount of cash available to me The remaining term of my current home loan While I understand much of the information is public record, my current financial information is not. This information has now been shared with parties outside of my family without my consent.
Consumer complaint received 2018-04-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have submitted several request for debt validation from Portfolio Recovery Associates and have still not received it over the past year. Most recently on XX/XX/XXXX the above company received a certified letter from me requesting debt validation. On XX/XX/XXXX they responded with 2 letters, one requested that I provide them with additional information so they could " complete the investigation of the alleged dispute. '' The second letter stated that the debt was sold to PRA and that an " electronic file '' was provided to PRA at time of sale. I have yet to receive any validation from the company including a signed statement that states that I'm responsible for this debt.
Consumer complaint received 2018-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Trans union credit reporting deleted 4 old accounts in good standing. This made my oldest account on my credit report less than two years old and dropping my credit score almost 200 points!
Consumer complaint received 2018-12-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MD)

I have a complaint against Experian and the inability to contact a person to resolve a relatively simple issue regarding my credit. I have an extended fraud alert on my credit account due to the theft of my wallet five years ago. I need to add a phone number to the fraud alert so that I am able to verify my identity with a bank in order to get a credit card. I have been able to contact both of the other credit agencies and have my number added. However, Experian makes it impossible to contact a customer service representative by telephone to request this change. I sent an email to Experian on line to request information on how to make this change and got an email response that sent me back to the same phone system that does not allow you to speak to an actual person. That Experian has control over my ability to access credit and makes it impossible to speak to a customer service representative is inexcusable.
Consumer complaint received 2018-04-21
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (IN)

I have been unemployed for three months so my payment is currently late on my XXXX XXXX credit card which is managed by XXXX XXXX.

Today is Saturday and I started receiving calls from XXXX at XXXX XXXX XXXX. Subsequent calls have followed at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and again at XXXX XXXX At this rate I will receive approximately TWELVE CALLS FROM COMENTIY BANK BY XXXX XXXX   TONIGHT  which is when they have to stop calling!!!!!

But this is not the first time it has happened. It happened once before, while I was unemployed recently, and my payment was late. I counted the number of times they called and it was between 12 and 14 CALLS EVERY DAY!!!!! I have been in job interviews when XXXX XXXX called me TWO TIMES DURING THE INTERVIEW!!!

THIS SHOULD BE ILLEGAL!!!! I've had stalkers who have called me less than twelve times per day!!!! And on a SATURDAY!!! When many people are socializing and having to explain the stalker calls on their cell phones.
Consumer complaint received 2021-11-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (CA)

proposition XX/XX/XXXX allows homeowners to transfer the old property tax base to their new home if your XXXX and older or have a XXXX. My taxes were reduced from {$8600.00} down to {$5200.00} back in XX/XX/XXXX. Pnc bank could not figure it out. The kept telling me that they were working on it and never did, XXXX county issue me XXXX bills XXXX for supplement tax bill and a yearly tax bill which added up to be less than {$5000.00}. I sent them all of the information XXXX times still no resolve. So i just received a new tax bill for XXXX on XX/XX/XXXX and requested again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, nXXXX XXXXXXXX, XXXX XXXXXXXX, XXXX and XXXX. still no resolve. I emailed PNC Bank a copy of my new tax bill on XX/XX/XXXX. PNC bank received it because they paid the bill. and sent the XXXX escrow overages of {$1600.00} x XXXX.
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

XXXX refused to accept and returned my ontime payments in XX/XX/2021 and XX/XX/2021 after forbearance. They subsequently reported me INACCURATELY as XXXX  days late.
Consumer complaint received 2019-03-21
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: COMMUNITY CHOICE FINANCIAL, INC. (FL)

I received an email from this company, claiming to collect a debt for a payday loan. Not knowing what this was about I called them. Right, away, they said they were going to send the police and have me severed and possible jail time if I didnt take care of the debt. I am being scared and not knowing what to do, gave the person my contact, mailing, and email information. Just my own no one elses. 

The person ( XXXX XXXX ) told me that he was going to send me an email that same day right after we got off the phone and a letter to my home address. A few days go by and I did receive the email. I called the number on the letterhead and it was to a construction company, I then tried to locate the company online and contacted the BBB and no one has ever heard of this company. 

I called again but at a different time then the first time calling, and XXXX XXXX answered. I told him I didnt receive the email or the paperwork. He did finally send the email. In giving him my contact information, I had given him my debit card information after looking on the FTC websites and reading about scams I canceled and not knowing this company and not finding out any information about it. I thought it was best to do so. 

I called the original place I got the loan from and they told me that they have never heard of this company and told me they sold it to another company for which they gave me the information too. 

This was not the company ( on letterhead ) that was stated to me. In the interim of canceling the debit card, they had started calling my parents they did not get their phone number from myself. Telling my parents that the police are going to come and arrest me and arrest both of them too. I called them and told them not to call my parents. Both my parents are very ill, my mother is recovering from a double XXXX transplant and my father had a small XXXX XXXX in early XX/XX/2019. 

I told XXXX XXXX again when I called that I still have not received the paperwork that was supposed have been mailed to me. 

I called today XX/XX/2019 and again asked him why do they keep calling my parents and Ive asked you not to that you have my contact information and again that my parents are very ill, those calls are upsetting to both of them. 

I also ask for proof that the company was real because I have no way of knowing this and he got very upset with me in my asking. I don't know who this company is and they are not professional at all. But, most importantly I don't want them to call my parents anymore I'm so afraid that something will happen to them because of their harassing phone calls.
Consumer complaint received 2022-06-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Morgan & Associates, P.C. (OK)

The original creditor was XXXX ( this is to amend an earlier report that inaccurately listed the original creditor ). Due to financial hardship ( loss of jobs ) in approximately XXXX, I could not continue the payment on the account. It was sent to Morgan and Associates in XXXX  XXXX. I was repeatedly harrassed, the debt inflated quickly, but I eventually reached a settlement agreement with Morgan & Associates that I repeattedly told them was beyond what I could pay. They still insisted and set up an automatic bank withdrawal via post-dated checks. I called after every payment to indicate that I could not make the next payment. When the last payment was due, I did not have the funds and could not come up with the funds. I called to let them know, they drafted anyway, and it bounced. When I tried calling to set up some way to make the last payment, they told me I was out of luck and that I would be responsible for the entire debt before the settlement because I failed to make the payment. I didn't hear from them for quite a while until I became aware of a default judgment against me in XXXX. They had served the renter of our property, and I never received the summons. Earlier this year, I received a call indicating they would like to discuss the matter. With over a decade since the original conversations, I asked that they send me documentation in writing instead of an inflated value over the phone of an amount that is quite larger than the original debt and the judgment. I have yet to receive anything. It has been months. I would like this matter settled in a fair and accurate way as soon as possible.
Consumer complaint received 2022-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank XXXX XXXX has held a {$270.00} Credit Balance of mine for over 3 years. During that time they have made no attempt to contact me either by phone, email, US Mail or any other means. I received no Account Statements during that period. This has the appearance of a profit making Scam, since the letter I finally received offering a settlement was A FORM LETTER this suggests to me that I am not the only customer of theirs that has suffered this same fate. 

They are now offering me a refund 10-14 weeks after their proposed XX/XX/XXXX settlement date. 

Chronology : On XX/XX/XXXX I received a letter from Synchrony Bank stating that I had a credit balance of {$270.00} since XX/XX/XXXX. Offering me a refund of my money if I signed and returned a copy of the letter either by email or US mail. I signed and returned copies by both email and US Mail. I have had no acknowledgement of receipt and have no way of knowing whether my submission was received. 

They gave no phone number or any means to conact them other than an email address that responds via robot and gives me no result. 

THIS IS A SERIOUS VIOLATION AGAINST NOT ONLY ME BUT I'M SURE AGAINST SEVERAL HUNDRED IF NOT THOUSANDS OF CUSTOMERS.
Consumer complaint received 2022-10-20
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: ALLY FINANCIAL INC. (AZ)

This is a debt collector trying to collect a debt my mother in law allegedly owes. I have told them I am no longer in contact with her. They have called me twice this morning before XXXX. I just want them to stop calling me
Consumer complaint received 2018-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I was told this loan was going on my G I bill related to my military service. I did not attend after I was place in the class that had no bearing on photograph. I returned all the equipment and never cashed any checks. i am still being billed by this school. I have contacted the and asked for documentation of payments and checks cashed but the school hasa been unable to provide me this information. They are committing fraud because I never attended past a few days
Consumer complaint received 2021-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (CA)

Southwest Credit System has been informed several times that this XXXX account was involved in identity theft. They refuse to remove this account and have now reported it to all three credit bureaus and they need to remove this. I have attached the Identity Theft Report.
Consumer complaint received 2019-03-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

During XXXX2018 I had obtained a copy of my Experian credit report and noticed several inaccuracies listed in my credit file. I informed them of the inaccuracies by disputing them & til this day Experian is still reporting those inaccuracies as verified, how they be verified if the accounts have different status dates & different dates of last activity. This has been an ongoing issue because the accounts still remain listed in my credit file with Experian which is hurting my credit profile. 

The accounts that I have an issue with are as listed below : XXXX XXXX ACCT # : XXXX AMOUNT : {$1000.00} XXXX ACCT # : XXXX AMOUNT : {$190.00} XXXX ACCT # : XXXX AMOUNT : {$390.00}
Consumer complaint received 2018-04-21
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. (MI)

On or about XX/XX/XXXX both my and my wife 's credit scores, for no apparent reason, dropped 12 points on TransUnion credit scores. 

After checking all of our accounts, on XX/XX/2018 I filed a Request for Investigation with TransUnion, asking them for the reason why both of our credit scores suddenly dropped 12 points. 

On XX/XX/XXXX TransUnion, under file # XXXX, sent a partial credit file of our joint accounts at XXXX XXXX XXXX XXXX. TransUnion did not answer my question as to the reason for the sudden drop on our credit scores nor did our credit scores change. 

On XX/XX/XXXX I placed an order, @ {$9.00}, for my credit score. On XX/XX/XXXX TransUnion sent me a copy of my credit score and credit file. Nothing in my credit file was any different. 

On XX/XX/XXXX I sent a letter to TransUnion asking them why the did not answer my question as to what caused the sudden 12 point drop in my and my wife 's credit score? I in the letter stated " So please, in plain english, tell us why our credit scores dropped 12 points suddenly on XX/XX/XXXX ''. 

On XX/XX/XXXX TransUnion, under file # XXXX, sent my wife a copy of her credit file and on the same date, under file # XXXX, TransUnion also sent me a copy of my credit file. 

I want to know from TransUnion why our credit scores suddenly and for no apparent reason dropped 12 points on XX/XX/XXXX. 

Please Help resolve this matter. 
Thank You.