davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-31
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. (TX)

Texas Office Attorney placed Child support payments on my credit bureau information. 
Child support is not a credit and should not be used as a credit. 
Account no-XXXX
Consumer complaint received 2017-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC. (TN)

My wife made a reservation at XXXX XXXXXXXX XXXX in XXXX TN for XX/XX/XXXX-XX/XX/XXXX and prepaid with her SunTrust debit card. Upon their arrival they experienced an  ongoing family party with excessive alcohol use. My son was attending XXXX  XXXX for the week and the ongoing noise was significantly disruptive. They were also concerned for their safety and security as there was no lock on their door. After two days they moved out to the XXXX XXXX and requested the balance of the prepayment ( {$810.00} of the {$1200.00} paid. The owner said she " would talk to her husband '' but ultimately refused to refund the difference. There was no contract or disclosure at any time. We asked SuntTrust to obtain our refund but they said the merchant refused to pay. I think we should be given a full refund but will accept the unused portion.
Consumer complaint received 2024-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: WELLS FARGO & COMPANY (FL)

My father XXXX XXXX XXXXXXXX XXXX was sold Wells Fargo home mortgage insurance on his residence. This was double checked by me ( his son ) and a third person to avoid chaos in the event of my fathers passing. In fact, I requested my father to double check to make absolutely sure the mortgage was insured to avoid losing his house. Wells Fargo sent a multi page document describing the insurance and how much he was paying extra to retain the insurance. I personally reviewed this document and never saw an accidental-only clause. 
My father passed away on XX/XX/XXXX from XXXX related issues. 
So I sent in the mortgage claim form and the form was rejected due to his type death was not covered. To this day I can not find the multiple page Wells Fargo home mortgage insurance document in any of paperwork left by my father. The lady helping my father with his computer work could not find these documents either, but swore the mortgage was insured if he passed away. 
At the time of my fathers passing there was about {$280000.00} outstanding balance on the insured home mortgage. After finding the mortgage was not insured I had to desperately sell my fathers assets to keep from defaulting on the home loan. This caused an enormous amount of collateral damage to the family. 
Now recently I received a letter from Wells Fargo regarding unauthorized enrollment, but nothing about misleading consumers about the coverage of the mortgage insurance. In this recent letter, Wells Fargo makes it obvious that the coverage is for accidental death. This was not the case for the letter received years ago from the Wells Fargo XXXX XXXX branch I reviewed personally. 
I contacted Wells Fargo about the letter and was transfer XXXX times and then disconnected. The letter is dated XX/XX/XXXX with a reference number of XXXX. 
Do other people have claims of Wells Fargo misleading customers into believing they have mortgage insurance when they do not? 
Any help will be greatly appreciated, XXXX XXXX
Consumer complaint received 2017-11-11
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. (TX)

Recognize a few inquiries on my TransUnion Recognize a few inquiries on my TransUnion XXXX and XXXX report that I have not authorized. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TRANSUNUON INQURIES XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-11-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I applied for a capital one secured credit card a.d was approved. I did n't have enough money at the moment of approval so I was unable to follow through. Hours later I apply for a credit line again for I had enough to open the line. I was denied this time around and was given a mark on my credit report!
Consumer complaint received 2024-05-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO. (TX)

Per complaint ID : XXXX Chase had reopened the card on XX/XX/XXXX, continuously failed to send a replacement card as the existing card no longer worked. I had tried to get this card sent every week in XXXX calling in multiple times and spending hours on the phone ( averaging 6 hours/week ). They attempted to send the card on 4 separate occasions which involved me having to transfer between fraud, identity, customer service, etc in order to get to someone who could attempt this. Card was never successfully sent and I had to leave on my trip to XXXX without a working card. Chase said they deny this claim but are still at fault and unable to fix something so trivial as sending a card which involved me being on the phone for tens of hours at a time. I am filing this new complaint as they are failing their regulatory duty to open an account and provide said user with working card. Additionally, my annual fee is already charged but as per Reg Z, I have no working card to use!
Consumer complaint received 2024-04-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Revenue Corporation (TX)

I am writing to formally dispute the validity of any debt claims you allege I owe, specifically the amount of {$570.00} as reflected on my credit report. In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and specifically under the provisions of 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ) and 15 USC 1681s-2, I request a detailed validation of this debt.

Please provide the following : Verification of the Debt : I request a complete validation of the debt you claim I owe, including the original creditor 's name and address, the amount of the debt ( {$570.00} ), and any additional charges. This request is made under 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Purchase Agreement : In accordance with 12 CFR 1006.34 ( d ), I request a copy of the purchase agreement between XXXX XXXX and the original creditor, evidencing your authority to collect this debt. 
Licensing and Bonding : As per my rights under state and federal laws, please provide documentation proving that XXXX XXXX is licensed and bonded to collect debts in my state. 
Credit Reporting : Under 15 USC 1681s-2, please confirm whether you have reported, or intend to report, this alleged debt of {$570.00} to any credit reporting agency. If so, please also provide a copy of any such report ( s ).

Until I receive the requested documentation, I consider this matter in dispute, and during this period you should not report this debt to any credit reporting agencies. Additionally, I request that all further correspondence be conducted in writing.

Please note that I am aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, and I will not hesitate to file complaints with the Federal Trade Commission and the Texas Attorney Generals Office if I find that my rights have been violated.

Thank you for your attention to this matter. I expect your response within the time frame outlined by law30 days from the receipt of this letter.
Consumer complaint received 2017-11-11
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: EQUIFAX, INC. (GA)

XXXX XXXX XX/XX/XXXX I did not authorize this inquiry tried calling equifax to get this taken care of 3 times they said there is nothing they can do. 

XXXX XXXX XXXX and XXXX XX/XX/XXXX I did not authorize these inquiry tried calling and writing equifax they too again says it has to stay on my report after i stated I Maybe a victim of fraud
Consumer complaint received 2017-11-11
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. (IN)

XXXX XXXX RAN MY CREDIT TWICE WAS SUPPOSED TO XXXX TRANSUNION AND XXXX  ERRORS.
Consumer complaint received 2017-11-11
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. (SC)

XXXX used fraudulent dealers to open an account in XXXX XXXX, 2009. XXXX is misrepresenting the amount of debt and liability that I have for this auto loan. I would like this item to be removed from my credit. They are falsely reporting a debt owed on my credit report as {$15000.00}.
Consumer complaint received 2021-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: ENCORE CAPITAL GROUP INC. (FL)

I reached out to the company in XXXX of 2020 explaining to them that i lost my job due to covid-19 and i would settle to complete the debt. They turned me down and i got a letter in the mail about a court date. i know can not do anything with my credit to help my family during this hard time. They are not supposed to reporting to my credit during Covid-19 and yet here we are.
Consumer complaint received 2017-11-11
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: Experian Information Solutions Inc. (GA)

On XXXX XXXX, XXXX I contacted by telephone Experian and was told that I could dispute inquiries that were not made by me, on my credit report. After being transferred I was told only one inquiry could be removed because it was a duplicate. I explained I had already contacted 2 of the inquiries and was told they had no record of my credit being pulled by them. Experian informed me that I would need a letter from each creditor and a letter from me before they could authorize any removals. Prior to that call, XXXX XXXX removed 9 unauthorized inquiries and that was because with them, like XXXX, my personal data had been compromised. I also explained that I did not think any creditor that did not have my authorization to pull my credit would admit to doing it by writing a letter! Currently the only inquiries that should appear on my credit is from XXXX and XXXX XXXX since I bank with them. 
Also, my debt usage is being incorrectly reported and I am unable to dispute online, they are informing me I must send them documentation in the mail before I can dispute anything! My debt ratio should be less than XXXX XXXX and they are reporting it as XXXX XXXX! My score is very low because of their mistake and I feel victimized by Experian. I am trying to apply for a mortgage and this incorrect information is going to prevent me from qualifying. Please help I am XXXX on limited income and can not meet their requirements for mailing and copying information. 

Thank you.
Consumer complaint received 2017-11-11
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Attn : XXXX, Experian, XXXX My name is XXXX XXXX I have provided you with the following items I have listed below that your company is reporting inaccurately. I look to place all accounts as fraudulent accounts. I am a victim of identity theft. I have been affected by the credit breach. I have attached a letter, copy of the FCRA where the credit bureaus and creditor violated me by going on to my credit file and reporting inaccurate accounts on my credit. False Pretense in the act of being the consumer and not getting any consent from me to open up my credit report. 
Please take this documentation I have provided as a dispute and an affidavit. Contact me at number i have listed and please add my mobile. 

Inquiries : SYNCB/Old XXXX XXXX/XXXX/XXXX Accounts : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Collect Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2023-11-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CO)

I received calls from this place about 8-9 months ago and told them this was not mine and that I've never had XXXX XXXX and during their dates they gave me over the phone, I was XXXX. I requested a purchase agreement of the debt to see details and also any other back up and they'd hang up on me. This should be removed!
Consumer complaint received 2021-02-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Self Financial Inc. (TN)

Requesting my total refund amounts in the amount of {$500.00} prior to XX/XX/2021 and {$36.00} prior XX/XX/2021 from Self because they closed my credit builder account at their own discretion without notifying me and I requested that my payout be sent back to my bank account instead of a check being mailed via to my address but as of tomorrow I will be most definitely disputing both charges through my bank. For your records for mines as well the credit builder account number is XXXX, loan number is XXXX and then the CD number is XXXX
Consumer complaint received 2017-11-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (PA)

It has happened numerous times before, but today specifically they called me 4 times. I have asked previously to not be contacted on my number, because it is a cell phone. They still continue to call. I understand that I am behind. I explained that I lost my job, and am trying to catch up. Calls have not ceased, and they ask to set up a future payment to stop the calls. I reiterated that it is a cell phone, and I do not have to set up anything for them to stop calling me. Last time, they called me 3 times in one day about 2 weeks ago. I 've never had a problem paying my bills on time.
Consumer complaint received 2017-11-11
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)

Concerning my XXXX XXXX Line of Credit ( Acct. No. XXXX. ), Equifax is presently reporting ( 2 ) instances of this account inconsistently and erroneously ( 1 for myself, XXXX XXXX XXXX, wherein theXX/XX/XXXX payment is reported as > 30 days past due and 1 for my wife, XXXX XXXX XXXX, SSN XXXX, wherein the XX/XX/XXXXpayment is reported as NOT past due ). Equifax is in violation of state and federal law in doing so. I demand that Equifax delete the XX/XX/XXXX payment regarding XXXX XXXX Line of Credit ( Acct. No. XXXX ), in its entirety, from my credit report. Reporting XXXX XXXX Line of Credit ( Acct. No. XXXX ) 2 times is inconsistently is adversely impacting my credit score.
Equifax has also leaked information concerning my XXXX XXXX Line of Credit ( Acct. No. XXXX ) in a data breach.
Consumer complaint received 2017-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have mailed out time after time the right information of employment with Company name address phone number and still on my credit file there is wrong information of places I work for that are wrong and not the company I work for. 

Time after time the credit Bureaus create hospitals as staffing company 's as the names are not right after I have giving the right information. 

I have enclosed another copy of current and past employers with right name spell and address I want proof of the company 's on my file as right or deleted I have been sending the right info and it never gets updated as right.
Consumer complaint received 2017-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (SC)

I received a statement from Citi Bank stating I had a balance due on my Credit Card. I paid the balance in FULL by the due date. I then received a statement with a balance. I contacted Citi bank and they said " that was the balance due from the time they mailed the statement to the time they received payment ''. I did verify that they did receive my payment before the due date. If thats the case, how will I ever pay this off? I go online, my account says " Balance Due '' and provides a due date. If I pay it in full by that date, it should be satisfied. They continue to bill me interest charges. I pull the bill online to get the most up to date information and pay that. Then I receive a bill for interest. I have tried to resolve this with them even by calling and trying to pay in full over the phone. NO LUCK!
Consumer complaint received 2022-10-04
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. (CA)

The credit bureaus are reporting inaccurate & unknown information on my credit report. My credit report reflects a total of 15 unknown accounts in the amount of {$56000.00} from lender by the name of XXXX. In my attempt to validate this debt via mail XX/XX/2022, I received a return mail noticed due to " NOT DELIVERABLE AS ADDRESSED ''. I addressed this letter according to the information reflected on my credit report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I brought this to the credit bureau Transunion attention, to have these accounts deleted from my credit report, confirmation # XXXX. XXXX case # XXXX. This is a direct violation of my rights under 15U.S.C 1681 ( n ) : Civil Liability for willful noncompliance, 15U.S.C 1681 ( a ) : rules of construction, 15 U.S.C 1692 ( e ) False or misleading representations, & 15 US.C 1692 ( g ) : Validation of debts
Consumer complaint received 2017-11-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd. (FL)

I submitted a dispute with collection Bureau of America around XX/XX/XXXX in regards to a collection account which is not mine. The starting balance was XXXX and then they added a collection cost of XXXX so it is now reflecting a total balance of XXXX. With in the dispute I asked them to provide something with my signature showing that I signed for the services that I am in collection for. The sent me a bill and nothing more. I never had an account with the company that they are claiming I did and I moved out of the service address in XXXX and the invoice date is listed on XX/XX/XXXX way after I moved out of that home.
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 — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

I am pleading to have my XXXX request fulfilled. I have been an over 3 decade long customer of WellsFargo and hold many assets. WellsFargo stated to me that they do not submit anything in XXXX. This is outrageous. I am XXXX  and dealt with a life event in which My payments slipped through the cracks. I satisfied my obligation as soon as possible. I visited the branch in XXXX Ca. To make them aware of my situation but yet they still reported me late. Please remove the lates on my wellsfargo account out of XXXXXXXX  please.
Consumer complaint received 2017-11-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Harpeth Financial Services, LLC (MO)

On XX/XX/XXXX I borrowed XXXX from Advance Financial. The first payment was reasonable at XXXX but the payment scale soon went to XXXX a month. XXXX was interest due. My principal is still at XXXX. But the interest is XXXX. I have talked to company representatives about the monthly payments that I just can not pay. Although they have accepted the smaller payments, this is only going to interest which is at 360 %. On XX/XX/XXXX, Instead of taking XXXX out of my account, this company took XXXX without my authorization. Even though I am disputing this it still left me without any funds for the next two weeks. Had I known what type of underhanded practices they have for interest and that they can change your payments at will, I would have never ever bothered this company. I will pay the money I owe going a different route but XXXX for interest is robbery. Please see if anything can be done about these exorbitant rates, and how they can go into an account that they were not authorized to use, take whatever amount they want and get away with this.
Consumer complaint received 2017-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (TN)

In XXXX XXXX, I accepted a credit card from Barclays Credit Card Company with a {$4000.00} limit. I paid every month ( never missed a month ) most times over the minimum amount until I lost my job in XX/XX/XXXX. I continued to pay until XX/XX/XXXX. However, with the astronomical interest rate of 22 % I have not been able to keep up the monthly payments which were over {$100.00} or more monthly. Because of this high interest rate and other charges, I am sure I have paid well over {$6000.00} on a {$4000.00} loan. I contacted the credit card company, asking for a lower interest rate, therefore a lower monthly payment, or a settlement of the account. I was told that I was not eligible for any of these options, and I was not offered any recourse. I am XXXX years of age, not in the best health, and only receive social security benefits and a small pension. 
I certainly do not want my social security benefits garnished as this is all I have to live on. It has been so hard finding work. I have interviewed and not called back for the jobs. I think it may be because of my age, or credit rating. of course I can not prove this. Any advise you can provide will be greatly appreciated. I am now 3 months behind on the credit card. 

Sincerely