davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CO)

This unfortunate event happened on XX/XX/2018. I was going to buy two tickets for a hockey game from a post from XXXX for {$120.00}. The seller was originally selling four ticket for {$100.00} each, but I only needed two and we agreed on {$120.00} for two tickets. The guy said he was going to transfer me the tickets to my flash-seat account, so I gave him my email address so he could transfer the tickets. I sent the money through XXXX to a XXXX XXXX XXXX account from my Wellsfargo account. In order for me to transfer the money I needed his name and phone number. So the money was sent and no tickets were received. It was a total scam, I tried calling him multiple times and it turns out that he blocked me and the number he gave me was a temporary number, like the ones that you can get online. I called my bank multiple times and was told that the money had already been paid and that they could not do anything. I called my bank the next day again and I was able to open a claim and per Wellsfargo they could not refund me the money and that the money was paid out to a person with a different name and not the name that I was given by the scammer. I don't know how that happened that the money was received by a different account holder name. I did not think that the money could be deposited to an account with a different name. I thought the name had to match and the phone number, but I guess that was not the case. If what I was told by Wellsfargo was correct that the name is not the one that the scammer gave me, I think that person should return me my money. I think that's illegal for someone to keep a money that doesn't belong to them. I also submitted a complaint to XXXX and off course they never responded. I called XXXX and they could not help me, they told me that my bank ( Wellsfargo ) needed to help me. I submitted a police report and they could not help me. So I am not getting help form anyone. I think that either XXXX XXXX  XXXX or Wellsfargo need to give me my money back. I am not happy with Wellsfargo because if they are offering me a service they need to make sure that their consumers are protected either by you ( Wellfargo ) or by XXXX. Wellsfago needs to make sure that there are consumer protection regulations in place and fraud protection with the service that they are offering ( XXXX ). After this incident happened, I did my research and it appears that a lot of the fraud is happening between Wellsfargo and XXXX XXXX XXXXXXXX, also 90 % of the transactions that are done through XXXX are fraud related. Something needs to be done immediately. I felt confident that since my bank was offering a service that they have done all their due diligence to protect the consumer. This can not happen anymore, this needs to stop. I thought I could trust Wellsfargo, but I don't think I can anymore. Yes, I learned my lesson not to send money to anyone through XXXX if I don't know the person. But I would like a full refund on my transaction.
Consumer complaint received 2023-04-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Terrill Outsourcing Group (TN)

On XX/XX/XXXX Superlative RM attempted to contact me over an alleged debt via phone. I have no idea who this company is and I have not consented to do any business with them. They also have violated 15 U.S. Code 1692g as i did not receive a 1692G letter and I haven't been able to dispute an alleged debt that they claim. I will not tolerate my federal rights being violated and I will not be harassed by phone calls from a company that breaks federal law. I demand Superlative RM to cease collection activity, I demand Superlative RM to close this file within their offices, and I demand Superlative RM not to report to any credit bureaus. If Superlative RM does not comply with the things asked above I will receive legal counsel, and Superlative RM will be held accountable to 15 U.S. Code 1692k for the violations they have made. As of XX/XX/XXXX Superlative RM shall cease and desist.
Consumer complaint received 2024-02-27
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. (TX)

I am a natural person, I am a living human being, I have rights under XXXX XXXX XXXX. 

Equifax is govern by XXXX XXXX XXXX. And they violated my rights numerous of times. I demand the account listed be remove because According to XXXX XXXX XXXX : I have the right to privacy and I did not give Equifax written permission to furnish this account. 

ACCOUNT : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-19
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. (FL)

On the first attempt, I tried to correct a matter of accurate information in the credit report. The issue at hand was of a paid debt, not showing in the credit report accurately on the date of settlement. There are multiple charge offs on multiple months and years when they should only be one on the initial date of write off. The credit agency Equifax are not taking the steps to eliminate these inaccuracies on their most recent, resolved, completed dispute investigation. I provided documentation for every inadequacy in my report for specific creditor. The first charge-off was on XX/XX/XXXX. They are charge-offs every month between XX/XX/XXXX and XX/XX/XXXX on every month. they are also not marking the last day of payment as paid to agree on XX/XX/XXXX instead, it is marked as a charge off. This does not explain or indicate why the creditor or the agency hadto mark charge off multiple times which is damaging my credit, worthiness, and any chance of me getting a Home or obtaining credit. there should only be one charge off date because this is the date the creditor written off the amount I owed. Since then I made a settlement with the creditor, and I should have a chance to repair my credit.
Consumer complaint received 2023-04-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (WA)

Private loans were transfered from XXXX XXXX to Nelnet last month. For some reason they were transfered in an income-based repayment status. I was not on an income-based replayment plan with XXXX XXXX and was paying more than the minimum payment per month. Nelnet refuses to allow me to auto-draft more than my minimum monthly payment while my loans are in this status. They are insisting that they charge me a fee to get my loans out of this status. This feels predatory and intentional to make it harder for students to pay back loans so more interest will capitilize. It also took me months to get my account set up when my federal loans were transfered earlier this year. Nelnet uses XXXX  incompetence to try and force users into more debt and they need to be investigated. I never had any similar problem with XXXX XXXX or Great Lakes.
Consumer complaint received 2024-03-04
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: CITIBANK, N.A. (NY)

I filed this complaint before with ref numbers : XXXX & XXXX I emailed and called citi bank few times since XXXX XXXX asking to send my cheque- didn't get any response despite apparent 15 calendar days processing time.
Consumer complaint received 2018-03-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

On XX/XX/XXXX upon viewing my credit file via XXXX  credit monitoring, I noticed a collection account by Resurgent Capital Services of a debt that I have no recollection of. Worth noting is that this is the only collection account reflecting on my credit file and has caused my credit score to significantly plummet.

I have never received any communication of this debt from Resurgent Capital Sevice. More importantly, they did not provide me with any notification what-so-ever of my right to dispute the debt.

Today, onXX/XX/XXXX, I contacted the above-mentioned collection agency and spoke to an agent, who I asked to verify their mailing address. Attached is a copy of the letter I mailed to them on XX/XX/XXXX asking for a verification of the debt.
Consumer complaint received 2018-03-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (FL)

In XX/XX/XXXX of 2017 I moved out of a condo at, due to XXXX XXXX XXXX not resolving issues of black mold in my unit and not fixing my A/C unit for 1 month and a half which conditions were not safe for me as I already have major health issues. Also found out their was a water leak in my unit that damaged condo below me. I contacted Code Enforcement, they came out fix up things a little but did not further investigate black mold issues, not having A/C made it worse. I wrote a 7 day notice letter to them explaining I am moving because they breach contract agreement. I moved out on XX/XX/2017. XXXX XXXX XXXX still did not chose to fix issues. Instead they over charged me for wall damage and blinds that was broken by XXXX XXXX company and overcharged me to paint walls and a fee to replace a tenant in unit. I found out later they have put these charges against my credit which I didn't receive any letter to dispute. Also found out This company has done many other consumers the same way and they also had similar issues.
Consumer complaint received 2017-07-20
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In apr of 2017 I made a partial payment of {$300.00} to XXXX XXXX and then within and week or two made another partial payment for another {$300.00} to XXXX XXXX again. They are reporting that I am 30 days late making a payment when in actuality they do n't report anything to the credit bureaus because I filed bankrupt. I do realize they say the payment should have been made by the end of the month so they do n't report, but they have contradicted themselves now thus making my credit bad. I 'm just asking for a forgiveness letter since I have been a good customer and have not been in troubles with them. One person at XXXX XXXX tells me I 'm not late another says I am late. which one is it. I would like the situation rectified so that I can move forward rebuilding my credit. Thank you.
Consumer complaint received 2023-04-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (GA)

Debt Collection Agency is attempting legal action for a Debt they have refused to substantiate. I initially received a letter saying they had purchased the debt during the height of the pandemic.

I requested a copy of the signed credit application, payment ledger if applicable, balance due at time of default if applicable and they have refused to respond or provide the information in violation of the FCRA.
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY (SC)

Hello. 

I am seeking to close my TD Bank VISA credit card and unable to do so. The card is in good order, with a XXXX balance. 

To close the account, I am required to contact a phone representative at TD Bank Card Services and make the request. I've been trying to reach a rep twice a day, everyday for over a week, and unfortunately, no go. I'm always put on hold for about an hour each time before I give up and disconnect. 

I reached a service rep at a local TD Bank branch, and she confirmed that branches have no authority to close TD credit cards. If I were to come to the branch, she could call Card Services on my behalf ( and only with my physical presence at her location ), but she has neither special access nor higher priority, even as a TD Bank employee. She discouraged me from coming to her branch. 

Also, another problem has emerged... I am unable to access my online account at tdcardservices.com. When logging on, the website requires me to enter a passcode usually sent by email or text. Unfortunately, the passcode never arrives, and I remain in login purgatory, unable to complete the login process. ( I've tried multiple times already. ) In summary, I'm unable to reach any TD credit card rep, and I'm essentially locked out my account. I'm nervous about being cut off from any access or assistance. I just want to close this card, so that I never to have to deal with TD Bank ever again. 

Thank you.
Consumer complaint received 2023-04-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PNC Bank N.A. (MI)

XX/XX/2023 ; along with other multiple dates. Would not let me know what this is about until i confirmed my birthday and last 4 digits of my SS #. I delcined. and I still don't know why they are calling my work #, my cell number and my niece 's number and left multiple messages on her cell phone. 

PNC Consumer Services ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2016-09-19
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I bought a car on XXXX XXXX and the temporary tags expired yesterday XXXX/XXXX/2016. This car needs to be registered XXXX although it was bought XXXX. My mother is on the loan and car with myself and she resides XXXX which is why it needs to be titled and registered there. I will also be returning to XXXX to live within a few months as well. The dealership sent me the memorandum title but i need the official title which is held through my lien holder-fifth third bank. I went to the XXXX XXXX messenger center in XXXX XXXX in order to handle all of the required payments to title the car XXXX. They need the ORIGINAL title from 5th third and have sent several forms to the bank asking for the title. Fifth third will not respond to their requests and when I call they tell me it is not their problem and that they ca n't issue the title and either blame it on the dealership OR the state of XXXX. I am now unable to drive the vehicle which i need for transportation to and from work.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I have been reaching out to the credit agencies for months to have information on my credit profile updated. Each of them are reporting inaccurate information and are violating my rights as a consumer. I have requesting the investigation process they took to verify that they are reporting correct info and still havent received it. I have also sent proof that inconsistent and inaccurate info is present and asked for it to be fixed. My next step is to contact the attorney general for my state in hopes that I will get remedy for this.
Consumer complaint received 2017-07-20
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. (PA)

My complaint is regarding a dispute pertaining to a erroneous, inaccurate alledged bankruptcy on my Trans Union Credit Report. Trans Union report # XXXX dated XX/XX/2016. After receiving notice that the alledged bankruptcy dispute was verified, I requested the Method of Verification. The Fair Credit Reporting Act 611 ( A ) ( 6 ) ( iii ) states that upon request you must provide me with a description of the procedure used to determine the accuracy and completeness of the information. This includes but is not limited to the business name and address of the furnisher of the information and telephone number of such furnisher. I submitted via certified mail article # XXXX XXXX XXXX. XXXX XXXX and it was received by Trans Union on XXXX XXXX 2016. This can be XXXXXXXXXXXX 24 Hours. Additionally, Trans Union continues to blatantly disregard my request for the Method of Verification. Let me forewarn CFPB Trans Union will fail to mention in their reply the person who they spoke with, telephone number or give any description of the procedure used to verify this bankruptcy. I spoke with the court who states they were never contacted regarding this matter so why would T
rans Union state such? Trans Union will fail to mention that they have failed to comply with providing the Method of Verification within 15 days as required under the Fair Credit Reporting Act. I want the MOV or this inaccurate, injurious,  erroneous bankruptcy removed immediately from my Trans Union credit report. I would like to Thank the CFPB sincerely in advance for its time and effort in this matter.
Consumer complaint received 2017-07-20
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

Three months ago I disputed bankruptcy and lien information that is listed on my credit report, XXXX  listed it as being verified but did not provided actual validation from the verified source. Effectively as of XXXX XXXX, the new consumer bill that propose changes to credit reporting and scoring. There are specific information that is required to determined the accuracy of what is being reported. After reaching out to the XXXX County Clerk of Record in my county regarding the information that is on my credit report and the process of how it is verified is by public inspection during working hours. No special provisions are made for reporting agencies. I would like concrete proof that these liens and bankruptcies are indeed accounts of mine, and promptly remove if not.
Consumer complaint received 2020-11-24
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. (FL)

I recently sent letters over 60 days ago to Experian and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.
Consumer complaint received 2017-03-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed items that were previously removed and items I know do not belong. Not once have I receive a written letter. I am not told what information the have been given as proof. I do not believe that a phone call to the collection/open account holder should provide so little as I " we say so '' or a credit statement with nothing in writing such as a signed document. They are taken at their word. I want to see exactly how they have come to this conclusion. Again, I have n't even gotten a letter. Even when they reinsert and item, no letter there either.
Consumer complaint received 2017-07-20
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. (FL)

These companies, I have sent Certified Letter 's on XXXX XXXX, 2017 for Unauthorized credit Inquiry on my Credit Reports, as well as called and disputed these inquiries. I have never authorized such action and this constitutes as a violation of my rights under the Fair Credit Reporting Act 604, as well as a violation of my privacy. Equifax- XXXX Inquires - XXXX/XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX , XXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX. XXXX XXXX Inquires - XXXX/XXXX, Equifax XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX, XXXX  XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX , XXXX XXXX. XXXX XXXX Inquires- XXXX XXXX, Equifax 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.
Consumer complaint received 2023-04-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (CA)

I have reached to this company multiple times advising them that a debt they charged off doesn't belong to me. I also asked the credit bureau to investigate they didnt show me any results, they basically cited verified I asked for a copy of the investigation report and I didnt receive one, they also gave me an update within 3 days how can you investigate that fast without proper verification. I asked for the following detail 1. Please provide me with a copy of a signed contract 2. Pay off disclosure 3. Interest rate disclosure 4. Date opened 5. Balance history 6. Payment history 7. Date of last payment
Consumer complaint received 2022-08-10
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. (MO)

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 





XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1200.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$220.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$860.00} ; XXXX XXXXXXXX Balance : {$6800.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2024-02-22
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. (IL)

On XX/XX/2023 and XX/XX/2023 I wrote letters to XXXXXXXX XXXX to opt out of their ability to share any items on my personal credit report. Per the FCRA as a federally protected consumer, I opted out of any and all authorization that I, the consumer, may have given them, written, unwritten, verbal and non-verbal per 15 USC 6802 and 16 CFR 313.7. This was to take effect immediately and indefinitely. I have attached a copy of the two letter that were sent and I did not receive a reply nor have the items been removed from my credit. I also contacted XXXX, Equifax and XXXX to have them removed and I was referred back to the company.