davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I have tried to resolve this issue with the CRA. I understand all CRA do not report the same way but if a company is reporting the appropriate information to ALL CRAs, there should be no reason that all my reports do not match. After a previous complaint with XXXX XXXX XXXX, they took appropriate action in noting they made an error. XXXX furnished me with a letter assuring that this account would no longer reflect on any of my credit reports. Ive given more than enough time for all CRA to comply with this verification letter from the lender company. However, even with this letter expressing I am no longer liable for this account and it will be removed, EQUIFAX still does not comply. XXXX AND XXXX COMPLIED IMMEDIATE AFTER THIS ACCOUNT VERIFICATION NOTICE FROM THE LENDER. Under FCRA 611 ( a ) ( 6 ) ( B ) Equifax should be held just as accountable as the lender. I am enclosing the same letter mailed to me stating this account is no longer liable to me and it shall be removed. I AM ASKING YET AGAIN FOR EQUIFAX TO COMPLY WITH THE LENDER AND REMOVE SUCH ACCOUNT FROM MY REPORT AS IT WAS STATED IN THIS LEGAL BINDING DOCUMENT MAILED TO ME FROM THE XXXX XXXX. THANK YOU
Consumer complaint received 2017-10-06
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)

This credit bureau decreased my credit score over XXXX + points when a delinquent account was removed from my credit report. Should n't my score increase instead of decrease or have I read all credit reporting wrong??? 
This credit bureau is constantly messing up my reports, scores and monitoring them is a job in itself. 

Credit score should INCREASE not DECREASE if a delinquent account is removed.
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am requesting an Investigation into the practice of Credit Unions originating loans and not disclosing to consumers they had the right on to report said loans to credit bureaus during the life of said loan. 

I took out an ( 5 ) five years auto and personal loan with XXXX XXXX XXXX XXXX in XXXX, both of these loans were being reported to all three major credit bureaus impacting my credit scores and ability to obtain financing. 

On or around XX/XX/XXXX, I pulled copies of the credit reports and noticed XXXX XXXX not only stop reporting said loans but also deleted the history of loan with XXXX and TransUnion credit bureaus effective lowering my debit to credit ratio and lowering my credit score. 

When confronted with this issue XXXX issued the following statement You state that the credit union stopped reporting on your loans to all three major credit bureaus as a retaliatory measure. Our response : The Credit Union made a business decision to stop reporting credit history to XXXX and TransUnion effective XX/XX/XXXX for all of our members due to a variety of reasons. XXXX XXXX now only reports loan status and history information to XXXX, which has been our primary credit bureau. Hence, this was not isolated to you but rather was a change across our entire membership. Furthermore, creditors are not required to report to any of the credit bureaus. Lenders may choose to report loan data to one, two, or all three major. 

XXXX never disclosed prior to acceptance of loan nor after the decision was made to stop reporting credit history to XXXX and TransUnion in XX/XX/XXXX, I did not find out this lender had the ability pick and chose to report said loan and if this was made clear and reveal prior to taking out the loans I would have never done business with a company that intentionally would set-out to destroy credit scores over the life of the loan. 

We have several problem credit unions are not being regulated, the so called independent federal agency which has oversight over credit union are not providing protection or properly investigation consumer complaints against credit union.
Consumer complaint received 2021-07-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A. (OH)

On XX/XX/2021, I deposited a check in the amount of {$4000.00} into my personal checking account with PNC Bank. The check was arranged by XXXX XXXX XXXX who seemingly was my manager for the company XXXX XXXX XXXX XXXX of which I seemingly was employed with at the time. I was told by XXXX XXXX the funds were for payment to contractors and office equipment. The financial institution 's name on the check was PNC bank. The {$4000.00} was posted to my account by XX/XX/2021. After the funds were posted, with instructions from XXXX XXXX, I sent payments to individuals he provided. 
On XX/XX/2021 I received another check arranged by XXXX XXXX. The check was in the amount of {$4500.00}. According to XXXX XXXX, the funds were to be used for additional office equipment. I deposited the check into my account the same day. Shortly after depositing, XXXX XXXX sent a XXXX message wanting to know the status of the deposit. When I checked my account on-line, I did not see the check showing as pending. I contacted PNC customer service and spoke to a rep. The person did not see the pending deposit either. I returned to the branch where I made the deposit. At the branch I learned the {$4500.00} check as well as the {$4000.00} check were fraudulent. I informed XXXX XXXX of what I was told regarding the checks. He denied the checks were fraudulent and said the accounting dept would follow-up with PNC which did not happen. PNC bank reversed the {$4000.00} from my account. I tried to find out from PNC why the {$4000.00} was posted to my account before vetting the check as the financial institution on the check was PNC bank. Had PNC bank vetted the check, they should have been able to determine the check was fraudulent before posting to my account. PNC essentially told me the funds were posted to my account based on their business process. Since the check was not vetted, I requested the {$4000.00} be refunded to my account. The bank is refusing to refund the money.
Consumer complaint received 2017-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

This complaint involves Wells Fargo Bank. In 2013, I received an auto loan through Wells Fargo Bank for the amount of {$6000.00} to purchase a XXXX XXXX pick up truck. The loan was co-signed by XXXX XXXX. XXXX filed for bankruptcy a few months after the loan had been established. I continued to make the monthly payment to Wells Fargo Dealer Services for several months. The truck was involved in an accident when my wife rear ended another vehicle. The XXXX XXXX was deemed salvaged. My insurance company at the time, XXXX, obtained a payoff amount from W.F. Bank. They issued the check and mailed it to the designated post office box. I called several times inquiring on the status of the payoff and was told by numerous Wells Fargo employees that it can take several months for the payoff check to be processed. I ran my credit and noticed that Wells Fargo had reported that I was late on my auto loan payment. I immediately called and was told they never received the loan payoff check. I contacted XXXX XXXX and was provided proof that the check had been issued and mailed to Wells Fargo. I got on a three way call with Wells Fargo auto loan customer service and my XXXX XXXX claim 's representative who confirmed to Wells Fargo that the check had been issued months ago. XXXX obtained a physical address from Wells Fargo which they could send a new payoff check to along with tracking information. Wells Fargo received the check within the week. They are now reporting to my credit that the charge off amount is {$1.00}. I have been to several branch locations and spoken to several " managers '' who assured me the error would be removed from my credit. I recently applied for a Wells Fargo credit card and was denied due to having a late payments to W.F. in the past. Meaning they are still reporting this erroneous account on my credit. I have never been late on any payment and I have no idea why Wells Fargo refuses to remove this from my credit even though they assured me ( I 'm sure just to get rid of me ) it would be take care of. I would really appreciate any assistance you could provide me. I have tried to work with Wells Fargo but am at my wits end. Thank you.
Consumer complaint received 2018-06-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

Portfolio Recovery has placed an account on my credit history for {$450.00} as of XX/XX/2018. I have asked for some form of signed documentation showing were I have an unpaid account with them but they refuse to provide it. This account has been disputed and it continues to report falsely to my credit report.
Consumer complaint received 2018-01-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I'm on social security and direct deposit and explained what your site say 's about about debt collectors and social security and I explained this to them every time and they keep calling. Two weeks ago they called after XXXX XXXX. And usually they call 2-3 times a week but my phone blocks unknown numbers.
Consumer complaint received 2017-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This credit bureau decreased my credit score over XXXX + points when a delinquent account was removed from my credit report. Should n't my score increase instead of decrease or have I read all credit reporting wrong??? 
This credit bureau is constantly messing up my reports, scores and monitoring them is a job in itself. 

Credit score should INCREASE not DECREASE if a delinquent account is removed.
Consumer complaint received 2024-03-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (PA)

Somehow someone got into my chime account from my email, I received an email XX/XX/2024 around XXXX stating I received an email from chime stating that I received an link to get into my account, I never received a link to my phone number or email. After that I received 2 other emails stating I was logged on to a new device, after that last email is when all money was taking from my account! I didnt notice until around a hr later around XXXX I received an email stating that my funds had dropped below the amount I have set for! This person sent from my banking accounting to their XXXX account the remaining balance in my account. I contacted my mobile bank which is chime and they told me to wait for the charge to clear and then start with the dispute process. I reported the scam account to XXXX I also blocked the recipient and tried to send for a refund! Chime AND XXXX both denied my dispute. 3 unauthorized transactions occurred which totaled to {$980.00} be taken out my checking account. Chime states they only see 2, I sent in multiple times evidence and attempted to reach out multiple times and still denied my dispute.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I am making this complaint because despite my efforts for a resolution I have failed to receive a LAWFUL remedy for fraudulent reporting of adverse accounts on my report. On XX/XX/21 I sent letters out to the credit reporting agencies Experian, XXXX, XXXX  requesting deletions of these account but after 60 days only one account was remedied. 
They following account needs to be DELETED from my consumer report : Misleading False Reporting Unverifiable/ Inaccurate Date Opened Date Last Active Account Status and Last payment XXXX Account Number : XXXX I XXXX XXXX as the only " natural person '' and also " original creditor '' did NOT give instruction for these agencies to furnish this adverse account on my report, I do not validate this alleged debt. According to Congress law under 15 U.S. Code 1681b - Permissible purposes of consumer reports.

( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.

( G )
Consumer complaint received 2017-10-06
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (WI)

I was recruited for my loan through the recruitment officer who came to the school to recruit me to go when I was XXXX years old and did not fully describe the details to the loan to my mother XXXX XXXX and I. I was talked into deferments when I was not fully explained that that would incur interest. Also when the company was formerly known as XXXX XXXX I would get phone calls from my mother 's sobbing because their employees of customer service would call my mother and threatened to take her house and threatened her financial standings and so I would then get talked into going into deferment and be talked into that over and over until my interest is now at 10 % or more and i incurred around {$10000.00} in interest as well and can not work in with any of the " education '' from this college either. The credits do n't transfer. This loan is HUGE so i ca n't get any other student either and i also was not made aware that there was other programs that it was possible i could 've qualified for that would 've helped me with my loan so instead i have now incurred quite a bit of Interest I also was not able to finish my degree fully due to severe allergic reaction at the college after XXXX XXXX threatened insubordination. This is after being recruited and now I 'm being told that college is closing.
Consumer complaint received 2017-11-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I have contacted Portfolio Recovery Associates, LLC with 2 written  letters on Validation of debt in regards to a notice they sent on XX/XX/XXXX stating this communication is an attempt to collect a debt. 
Amount of {$2500.00} and {$2100.00}. 
Then continued to no Validate the debt and send replies without any contract verifying that I have a signed contract with them. On all harrising communication dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, it specifically states on their letter head on the bottom in bold : This communication is from a debt collector but is not an attempt to collect a debt. These accounts are listed on my credit reports as collections.
Consumer complaint received 2017-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (CA)

XXXX XXXX XXXX uses Sunrise Credit Services Inc., to collect debts. I was not able to get XXXX XXXX XXXX internet service to work where I live, I returned the equipment promptly. I was repeatedly told I would not be billed for services and was told the equipment was received by XXXX XXXX XXXX.
Service attempt was is in XX/XX/XXXX. Billing from XXXX XXXX XXXX stopped in XX/XX/XXXX, I called with each bill and was assured I did not owe on month service as it was unable to be installed. Then XXXX XXXX XXXX sent me to Sunrise Credit Services , Inc., I started receiving phone calls and then received their demand letter for {$190.00}. I provided my tracking number for the equipment and was told by one agent once the tracking number was received the bill would be completed. When I returned the call to another agent and gave the tracking number I was told I still owed. After many calls the bill was reduced to owing one month of service. At my second to last call is when the {$190.00} was broke down that I owed for the equipment ( XXXX XXXX XXXX had received on XX/XX/XXXX) and XXXX XXXX XXXX confirmed received at the end of XX/XX/XXXX. Plus I owed for the month of service ( which XXXX XXXX XXXX  customer service said was not owed. ) May last call on XX/XX/XXXXwas told XXXX XXXX XXXX had retracted the claim. Asked for confirmation in writing and was denied any confirmation.
Consumer complaint received 2017-10-06
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. (VA)

I recently started the process of rebuilding my credit and notice that I had a XXXX hard inquires, dated fromXX/XX/XXXX through XX/XX/XXXX, that I did not conduct. It seems as if someone was trying to obtain several credit cards in my name without knowing I do not have a typical credit profile.
Consumer complaint received 2017-10-06
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. (GA)

On several occasions I have disputed the XXXX XXXX collection account as this is NOT my account. I have submitted an identity they affidavit and a police report to state this was not my account. Experian deleted this account in XXXX. This account has reappeared on my credit report XXXX. I disputed this account with XXXX XXXX and they have responded with the following : XXXX/XXXX/XXXX We 've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

You should receive an update from the company within the next 15 days, and a final response within 60 days. 






Company responded Status Company responded on XXXXResponse TypeClosed with explanation Company 's Response We are in receipt of the consumer, XXXX XXXX 's, second complaint. This shall serve as XXXX XXXX XXXX XXXX XXXX XXXX 's ( " XXXX '' ) response to same. As stated in our response for case # XXXX, XXXX deleted the tradelines for the account in question in XXXX. XXXX reports the same information at the same time to all three of the national credit reporting agencies ( " CRA '' ), XXXX, Experian, & XXXX  XXXX utilizes XXXX reporting requirements as agreed upon by all of the CRAs. However, XXXX will submit a second " XXXX '' XXXX XXXX XXXX XXXX XXXX to the CRAs in an attempt to expedite the removal. 

Experian has this incorrect tradeline reporting on my credit even after it was deleted in XXXX. Per the response above this tradeline is to remain deleted. Also, the credit reporting bureaus is supposed to advise the consumer prior to a deleted account reappearing in the credit file.
Consumer complaint received 2015-09-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Bass & Associates, P.C., Attorneys at Law (GA)

I have told them on XXXX other occasion to please stop calling my job. They have called again. They also will constantly call my cell number and not leave a message. 
I will sue next time I receive a call at my job.
Consumer complaint received 2024-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Neon Newco Corporation (FL)

To whom this may concern, I, XXXX XXXX, on this XXXX day of XX/XX/2024, I am requesting all information for each deposit I have made for my account with NetSpend. 

Please provide me with the information. 

Thank you. With prejudice All Rights Reserved UCC 1-308
Consumer complaint received 2017-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TN)

I have contacted Midland Funding LLC several times about this outstanding debt that is not mine. I have disputed it several times as well asked for supporting documentation that shows proof that this debt was mine. I have been dealing with them and this account since 2009. Statue of limitations has passed on this invalid debt but they are continuing to report this false information on all of my CRAs. I am writing to dispute fraudulent charge ( s ) on my account in the amount of {$610.00}. I am a victim of identity theft, and I did not make these charge ( s ). I request that you remove the fraudulent charge ( s ) and any related finance charge and other charges from all CRAs. I also request that they cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ). I have filed and had an affidavit notarized. They are not abiding by the law and I would like something done about this! It has effected me long enough!