davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I spoke with a representative of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Florida. XXXX ( XXXX ) XXXX. Regarding a collection account with XXXX XXXX. In speaking with this company, I argued that the collection about information on my report is incorrect and that I would consider making a formal dispute with the credit reporting agencies and contact XXXX XXXX to resolve the problem. The next think I noticed on my credit report a few weeks later is there that I incurred this debt on XXXX XXXX, 2017. I have had no financial transactions with XXXX XXXX XXXX. Nor, have I made any type of formal dispute with them directly. Had I done so, I would have done so in writing. They continue to cause me financial stress and aggravation due to their improper reporting. <P/>I am not disputing that I was indeed terminated business dealings with XXXX XXXX over 5 years ago. In the State of Arkansas, all attempts to collect on this debt have long past the Statute of Limitations of 2 years for this type of account I have not yet disputed this account with the 3 major credit reporting agencies and as of yet, this information continues to appear on my credit report. <P/>There is also inaccurate reporting of the debt owed with an original debt of {$240.00} and an amount owed of {$240.00}. This would assume that somewhere, somehow, I made a {$1.00} payment towards this account thereby giving cause to this unscrupulous, to make changes in the reporting dates in an effort to coerce me into making restitution on a fraudulently reported account.
Consumer complaint received 2021-05-19
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. (TX)

Duplicate account XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, TX XXXX They are reporting my auto loan twice on my credit report, it is listed slightly different but it is the same loan and same account for the same car.
Consumer complaint received 2017-10-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commercial Recovery Systems (AZ)

I received a call on the morning of XXXX/XXXX/XXXX. The man said he was said scheduled to serve me on Monday XXXX/XXXX/XXXX. He said to contact XXXX XXXX XXXX if I wanted to know why I was being served. I have never been contacted by XXXX XXXX XXXX in any way prior to this phone call. When I contacted them, they identified themselves as a mediator. They said that I owed XXXX XXXX over {$670.00} and that if I did not agree to pay them, then XXXX XXXX would sue me for triple the amount. They also said that I would be responsible for a {$1000.00} court fee. When I asked for debt verification or a written " validation notice '', they told me that it was not possible. I was told to just take their word for it.
Consumer complaint received 2017-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MJ Altman Companies, Inc. (FL)

I disputed this account MJ Atlman Companies, which is unknown account to me on XX/XX/XXXX. I disputed with XXXX, XXXX, and XXXX credit monitoring reporting agencies advising all XXXX agencies that this was unknown account to me and that is what not my debt. On XX/XX/XXXX I received the investigation results back from XXXX which stated that the account had been updated and removed from my credit file. However, XXXX and XXXX both stated to me that there investigation concluded different results. Both agencies we 're unable to remove the account, because it 's was verified as accurate.
Consumer complaint received 2017-01-09
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (PA)

I went into TD Bank on XX/XX/2017 to make a deposit. I handed the teller my check with XXXX endorsements from myself and my husband, the check is my income tax from last year taxes. The teller told me the funds would be available on XXXX, they was not. I was told by several supervisors that the funds would be available on XXXX. I was told after coming to the bank that the fraud department is looking into the situation. I have deposited several items that have my husband and my name on it as well as others. Why do I have to be treated like a criminal?
Consumer complaint received 2017-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was shocked when reviewing my credit report and found a late payment on the date below : XXXX days late as ofXX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2024-02-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (KY)

Recently I have entered a credit debt on my report by an unknown party ; that a service I have never received. I believe it is an error since my XXXX is XXXX and might be a common errror on mis identification. Would like to have this remove immediately it causes nothing but headaches as I work hard to built my credit.
Consumer complaint received 2022-01-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A. (DE)

Hello, beginning in XX/XX/2021, my PNC virtual spend checking account ending in XXXX began incurring a {$7.00} monthly service fee. Due to a XXXX related injury to my husband as well as my XXXX, in conjunction with the fact that this is not the primary account that my husband and I use, I didn't check my account until about a week ago when I logged on, and at that point realized the account was being charged a fee. I called PNC customer service who advised me that the fee was due to the balance running below {$500.00}. The fee was not something I was aware of, as I opened my account years ago. The customer service agent waived the {$7.00} fee for XXXX and XX/XX/2021, but would not waive XXXX, XXXX, or XXXX. Had PNC sent me an e-mail or called me when my balance reached below the minimum threshold and explained that I would be incurring a charge if I did not deposit additional funds, I would have ensured that there be a minimum of {$500.00}.
Consumer complaint received 2017-10-23
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (PA)

Good evening, I opened a Wells Fargo checking account on XX/XX/XXXXand did so after being told that I would receive {$150.00} if I completed the steps required. When I opened this account I did so with the promise of {$150.00} after. The requirements were to make XXXX debit card purchases, which I did between XX/XX/XXXX andXX/XX/XXXXand to make at least XXXX purchases using my debit card loaded to a mobile wallet totaling at least {$10.00}, in which I made XXXX separate using XXXX XXXX on XX/XX/XXXX and a XXXX on XXXX. I 've made over XXXX since then. I completed the requirements. I originally received an acknowledgment e-mail from them on XX/XX/XXXX stating stating that " my bonus is ready '' and completed all of the requirements before XX/XX/XXXX. I 've already spoke to my local branch XXXX and was told XXXX months ago that it should post any day. OnXX/XX/XXXX I sent them a message through the website explaining my problem and was immediately told that I qualified but needed to fill out an XXXX and the money would be credited before XXXX. That same day I went into my local branch and filled XXXX out. I also filled out and mailed the package that they sent me. I received it on XXXX and mailed it the same day. I want to like this bank. I want to close my old account with another bank and transfer my money into this XXXX but how can I when they wo n't honor their obligations. I assume that they do n't pay anyone until they file multiple complaints. The time that I 've spent trying to rectify this is just ridiculous. Can you help me with this?
Consumer complaint received 2022-09-08
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 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 Bum. 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 XXXXThis 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 year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-03-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I spoke with the company, we settled for {$370.00}. They sent me a settlement letter on the same day that I paid them, which was on XX/XX/XXXX, I went to dispute the account on my credit report, when they were contacted by them, they lied and told them that I owed them {$100.00}. I spoke to them twice about this. The first rep I spoke to told me that this would be removed on XX/XX/XXXX. And the second rep ( who is supposed to be a supervisor ) told me that they gave the credit bureau the save amount and it should be removed in 30 days. They are giving me conflicting information. The name of this company is XXXX XXXX XXXX XXXX. I originated this report bc I feel that I am being jerked around by them, and each rep gives me different answers or reasons.
Consumer complaint received 2017-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX To Whom it May Concern : I am disputing the eight ( 8 ) Federal Tax Liens on my Credit Report. 

As of today, Transunion has not removed the Federal Tax Liens from my credit report as cited by the National Consumer Assistance Plan ( NCAP ) Rule of XX/XX/XXXX, which states, in part, the credit reporting agency will remove any Public Record, Judgments, and Liens that do not have all the required information. 

Therefore, Tax Liens that do not have the FULL Social Security Number ( SSN ) or Date of Birth ( DOB ) are cause for being removed from the Credit Reporting Agencies ' database. 

My eight ( 8 ) attached Notice of Federal Tax Liens display a PARTIALLY REDACTED Social Security Number ( SSN ) and there is NO Date of Birth ( DOB ). 

Based on the NCAP Rules that became effective XX/XX/XXXX, I am disputing the Federal Tax Liens on my Transunion credit report and I request they be removed accordingly. 

Thank you very much, XXXX XXXX XXXX
Consumer complaint received 2017-10-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SCA Collections, Inc. (NC)

Insurance co was supposed to pay this medical debt in amt of {$660.00} and {$73.00}. I told them that insurance was supposed to cover this debt, they kept telling me they will just add it to my credit report and it will ruin it if I do n't pay them in full.
Consumer complaint received 2017-10-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

This company ( Portfolio Recovery Associates, LLC ) which I hold no contract with nor have I received services from reported a collection account against my SSN in the amount of XXXX on XXXX/XXXX/XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However the business failed to provide adequate proof. Considering this business does not have a binding signed contract with me for goods or services that they have provided. Therefore I am not obligated to pay the alleged debt.
Consumer complaint received 2024-02-24
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-02-19
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

On XXXX XXXX, XXXX I called Bank of American to inquire on the status of my Maryland Unemployment card that I was informed by Maryland Unemployment was send the earlier part on XX/XX/XXXX. After being ask several security questions I didnt know the answer to I was transferred several times to finally reach a very helpful lady in Bank of America fraud department. After spending 5 hours on the phone with her we discovered that my card was sent and received by someone other then myself. The card had been used numerous times between XX/XX/XXXX and XX/XX/XXXX around {$16000.00} if purchase. The card was immediately closed. I was instructed to contact the police files and report then contact the claim department to file a claim in order to have the money put back into my account. Which I provided BOA all of the documentation such as police report, proof of identity etc ... .I then had to contact Maryland to have a new card issued and sent to me. All of this was done the very next morning XXXX XXXX, XXXX. Not even 1 week later I received a letter stating the my claim was denied and closed. The letter was dated XX/XX/XXXX. Two days after filing the claims. I immediately called Bank of America to file an appeal also files an appeal in writing. I called every week to check to status. On or around XX/XX/XXXX I spoke with a BOA representative and was told the a provisional credit was scheduled or be placed in my account that it should be posted within the next 24-48 hours. Then on XX/XX/XXXX my card was closed. Apparently I had been flagged for fraud yet again. After several months of getting the runaround Bank of American would tell me to call Maryland UI and Maryland would tell me to call BOA. Finally after 2 months on XX/XX/XXXX my debit card was reopened. On XX/XX/XXXX I called to inquire about my claim since my card was open again when I was told because the card was closed I would have to start the claim all over again. Once again I called about every 3 days to check the status. On XX/XX/XXXX when I called I was told the my claim was yet again closed!! But not was it closed and denying on the 15 but it was closed and decided on XX/XX/XXXX also. Now once again my claim has been escalated. I have called every day since XX/XX/XXXX to check the escalated status and Im told each time that no escalation was submitted but they will submit it right then. PLEASE HELP!!
Consumer complaint received 2017-10-24
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SN SERVICING CORPORATION (FL)

I have received multiple letters XXXX referencing an account number XXXX ) from SN Servicing Corporation regarding a property they claim I own. I have NO knowledge of this property and have NEVER done business with this company, SN Servicing Corporation nor the company, XXXX XXXX XXXX XXXX XXXX XXXX in XXXX 2013, referenced in the letters. 

The multiple letters and statements claims a payment due of {$37000.00} and an outstanding principal of {$110000.00} with no supporting documentation or anything, just simply their " word '' of a mortgage loan owed. 

They claim I am 1465 days late on a mortgage that I never got and that if I do n't pay they will foreclose. What mortgage lender waits 4 years to foreclose on a property? NONE! Also, they send other letters claiming they are attempting to collect on a debt. So some letters state I am behind on a mortgage I never had and then other letters saying this is an attempt to collect on a debt. 

I have called multiple times and constantly transferred to XXXX XXXX XXXX whom is also listed in the multiple debt collection letters sent ) who never answers nor calls back regarding my multiple voicemails. 

I have also emailed multiple times to the ceo and to there customer service department and sent an overnight letter demanding they cease and desist on all contact and telling them I dispute this account as it is not mine. 

My multiple and varied inquiries into this Fraudulent Account are being ignored and there are no signed and notarized loan documents in my name bearing my signature. Therefore, I am contacting a lawyer as well as filing this complaint with Consumer Financial Protection Bureau against this company.
Consumer complaint received 2020-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2019 an unauthorized credit inquiry was made to Trans Union by XXXX, XXXX, TX, XXXX phone XXXX.
Consumer complaint received 2017-10-24
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. (MO)

On or around XXXX XXXX I pulled a copy of my credit report after I disputed XXXX XXXX  in which it was removed from my credit report. On or close to XXXX XXXX XXXX XXXX  was added back on to my report and the credit bureau has failed to send me any notice of this change within 5 days like the law states. I am aware that in accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within XXXX business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion or, if authorized by the consumer for that purpose by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA and I reserve the right to pursue legal action for your blatant disregard for the law.
Consumer complaint received 2020-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AZ)

I went to their ATM and deposited {$570.00} cash the machine only gave me credit for {$200.00}. I called wellsfargo and I was instructed that its not their problem and theyll get me my money back when they resolve the issue. I deposited cash the machine recognized it was cash and delayed my availability. Ive spent a total of 2 hours on the phone this morning because their customer service team keeps disconnecting or losing my call. I have perfect service.
Consumer complaint received 2017-10-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Society Business Services, Inc. (AZ)

Debt collector continues to call and harass me about something that is not mines I have went through proper channels to clear this and it was clear and debt not valid Now they continuously keep re-aging the information and falsifying things to the credit bureau. Twice I had to point out to credit bureau what the are doing which is illegal and it gets removed but they try again and again Originally they posted XXXX Then XXXX Now XXXX Constantly creating a negative re aging illegal
Consumer complaint received 2021-09-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

Hello I have ENHANCED RECOVERY COMPANY which is under XXXX, I have returned the equipment they have asked me for and they only took off XXXX when it was suppose to be XXXX. I asked XXXX multiple times to send me exactly the bill so I can see why I owe as much when they disconnected my phone so I shouldn't be charged for those month I didn't have service I wasn't on a contract or anything so I am so confused on why my bill is so high. I spoke to a lot of people to see and no-one is able to send me bills proving i owe this money. I have interaction code XXXX, INTERACTION XXXX, Interaction XXXX Every time I call there is a different story first it took them a year to send me a return package they told me that I was able to drop my phone off at XXXX  but every XXXX  store I went to they said they were allowed to take my phone, Its just so much run around and false communication on there part. They try to charge me for a XXXX  that I didn't even have with them it was a unlock phone. This is the second time I've had problems with XXXX my last account I had with a spouse I paid my balance so we can take each other off which was XXXX $ I don't think its fair I have to do this again because I didn't care what i spent i just needed a phone that's why this time I will not just let it slide.