davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-13
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. (FL)

I have disputed, as well as sent an Identity Theft Report to TransUnion in reference to a Bankruptcy and some unauthorized credit inquiries that are showing on my credit file, and I keep getting a verified response back from them. They are not advising of how or who they are verifying through. I have called the Superior Court listed in the BK and I 've been told that they do not report nor verify anything with credit reporting agencies, I have checked with multiple third party consumer reporting agencies to see if TransUnion have attempted to verify this item with them and I have been told no, because it would have been a violation of the FCRA since all of my consumer files have a freeze on them due to identity theft. So I am unsure if TransUnion has tried to verify or validate this inaccurate account that is reporting on my credit file or if they just say it 's validated because it simply appears. I 've asked for the name, address, and telephone number, of who they contacted in order to verify the information. I 've asked to be informed of the name and title of the person in which they speak to to verify the information, I 've asked was the verification done in writing, was a UDF form used, or was this through an electronic automatic dispute verification and were you able to reach them at the same address/phone number listed on my report? 

I 've asked all of these questions so that I could follow up to see what information I would need to supply to have this information corrected, but have yet to r'cve any of the requested information.
Consumer complaint received 2022-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY ()

Myself and my husband had two accounts in wells fargo, one checking and one saving, we currently live in XXXX and never use our ATM card outside USA. In XX/XX/XXXX we had a balance of {$4500.00} in our checking account and {$2700.00}. 
In XX/XX/XXXX, I received a notification that my accounts has insufficient funds, so we call the bank and we reported that we didn't do any withdrawals or payments and that our account had fraudulent withdrawals. We had been calling the bank multiple times since XX/XX/XXXX and we haven't had any answer about our money. 
We set up an appointment on XX/XX/XXXX, to the branch in XXXX XXXX, CA, to do the claim in person but unfortunately we couldn't attend because COVID19, the XXXX XXXX border was closed for tourist. I was able to go in person until XX/XX/XXXX, and the Person in the bank told me that the claim had to be done in a period of 3 months, I did cancel all my ATM cards on that period but they said they can find any reports on their system. After several attempts, calls, and visits Wells Fargo closed our accounts and they refuse to give us our money back.
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

ACCOUNT TYPE OPEN ACCOUNTS ACCOUNTS WITH A BALANCE REVOLVING XXXX XXXX {$52000.00} {$16000.00} {$68000.00} {$1500.00} ... WRONG! 
MORTGAGE XXXX XXXX {$230000.00} {$13000.00} {$240000.00} {$0.00} ... WRONG! 
INSTALLMENT XXXX XXXX {$5000.00} {$9900.00} {$15000.00} {$480.00} ... WRONG! 
OTHER XXXX XXXX {$0.00} {$0.00} {$0.00} {$0.00} TOTAL XXXX XXXX {$280000.00} {$39000.00} {$320000.00} {$2000.00} ... WRONG! 


*ALL OF THESE BALANCES ARE WRONG!
Consumer complaint received 2017-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

I spoke with representative on XXXX XXXX, XXXX regarding a debt that showed up on my rental report. I requested a letter of deletion as this debt is invalid. Representative stated that company claims last months rent was reported as unpaid and additional fees were assessed, totaling the debt amount. Representative recommended sending in supporting documents such as bank statement showing receipt of rent payment. According to FDCPA, debt collectors are required to provide proof of debt, in which I have not received. I explained to the representative that I sent in a written dispute in XXXX XXXX, in which the judgement ( Docket # XXXX ), as well as collection, connected to the debt were permanently removed from all credit reports. Representative confirmed that account has been disputed online and via a third party agency, yet no debt validation has been received. Debt collectors are required to send a written debt validation letter within five days of the initial dispute, which in this case was XXXX XXXX. Given that the debt has not been validated, nor has it been proven that any debt is owed I am demanding that National Credit Systems permanently removes account # XXXX from rental report, and verify that no further collection efforts will be made.
Consumer complaint received 2017-10-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (FL)

A number starting with ( XXXX ) XXXX calls me every single day multiple times a day starting from XXXX XXXX until XXXX XXXX  The last four digits of the number are always different. They have called me every single day for the past 8 days in a row. When I answer, nobody speaks. I have sat on the line for 90 seconds just to see if an automated system message would begin but it never has. Its just silence. When I call the numbers back, its always the same voicemail You have reached Trans World.. but nobody ever talks when they call. I feel harassed and a little unsafe as I do not know if this is a scam or not. I have told them multiple times to please stop calling when I answer the phone but Ive never gotten a response and they continue to call. When I XXXX it, trans world comes up as a collection agency and I do have an eviction in collection for {$1400.00} so Im not sure if this is related or a scam. Please help!!! This is getting very aggravating. I cant block the number because the last four digits are always different
Consumer complaint received 2019-05-11
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY (LA)

I have contacted XXXX 's card services executive management via email asking to contact me in regards to the poor customer service offered by Wells Fargo and have not been given a phone call. I have tried to resolve my concerns and consumer issues with Wells Fargo, in which they have not been helpful in doing so.
Consumer complaint received 2017-10-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (NY)

ERC has informed me that they are handling a collection account for XXXX. The issue is that the date this debt became delinquent was before XXXX and they are reporting it now as a XXXX debt so that it will age current and affect my credit for longer than legally required. What they are reporting is false and XXXX is required to furnish truthful information and so is ERC.
Consumer complaint received 2017-07-31
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: Experian Information Solutions Inc. (FL)

I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. I have a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that was n't done and that violates my rights as a consumer. I have reached out to the credit bureau on more than one occasion to advise of my credit being pulled without my permission. These are the accounts that are unauthorized inquiries : 1. XXXX XXXX  XX/XX/XXXX 2XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX/XXXX  XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX  XXXX. XX/XX/XXXX 8.  XXXX XXXX/XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX10.XXXX XXXX XX/XX/XXXX 11. XXXX/XXXX  XX/XX/XXXX 12. XXXX/XXXX XX/XX/XXXX 13.XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX  ; Experian and XXXX are reporting incorrectly a collection in the amount of {$17000.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) I returned the defective vehicle within the time allowed under the Lemon Law. The vehicle was sold at auction and sold for more than the balance owed so consequently, there is no outstanding balance due and owing and therefore nothing to collect. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.
Consumer complaint received 2017-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (TX)

Professional Bureau of Collection in XXXX XXXX XXXX XXXX XXXX XXXX has taken an old debt from XXXX that shows closed and paid on my credit report and opened a new debt through their company for {$6200.00} as a collection on my credit. I have worked hard to repair my credit and this dropped it significantly. How is this even legal to open a new debt on my ss # with their company. Please help me to rectify this situation.
Consumer complaint received 2017-07-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Hello, i had a bank of America checking account, and had deposited my payroll check, and my girlfriend 's payroll check into ATM. Bank of America did not like this for whatever reason, and seized the money for 30 days+.Bank of America then closed my account. Sent me the money. And reported to a company called XXXX XXXX that reports risk analysis to banks and determines I am too high of a risk to have an account at any bank. I 've called the company and they said call bank of America. I am no longer a bank of America customer therefore they are of no help. So I 'm stuck with no bank account for the past 5 years.
Consumer complaint received 2018-02-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

I have had this account open for several years. In late XXXX of 2017, I changed my checking account and updated the new information in XXXX 's system. I believe the exact date was around XX/XX/ that I changed my payment method. 

It was around this time that XXXX changed their servicing system from one platform to another ( and in that time frame also raised their late fee from {$27.00} to {$37.00}, incidentally XXXX. 

My payment which had always been deducted automatically was not processed on XX/XX/XXXX. After XX/XX/, I received a statement showing that my balance was past due, and that I had incurred a large past due charge. I immediately contacted XXXX by phone, and they instructed me to update my payment information over the phone, which I did. 

After XX/XX/, I again received a statement this time showing a payment past due in the amount of {$120.00}, which included the past prior XXXX months, plus late fees and accrued interest. I again immediately contact XXXX, asked to speak to a supervisor, and again updated my payment information. I was assured that my payment would be processed onXX/XX/XXXX and that my account would be caught up. On XX/XX/XXXXXXXX attempted to debit my prior, out of date, checking account, which at this point had been closed for over 2 months. This information should not have been in their system at all. I received a letter detailing this event datedXX/XX/XXXX, that I received aroundXX/XX/XXXX. I again contact XXXX, explained the situation, and a rep mentioned that " the old system must have tried to process my payment '', or something along those lines. 

At this point, aroundXX/XX/XXXX, frustrated, I once again called, was told that my payment was already setup for XX/XX/, correctly and would be debited. After XX/XX/XXXXI checked my account online and found that the payment was not debited. 

At this point I manually made a payment myself via my bank for {$120.00}, which posted to my account on XX/XX/. My regularly scheduled payment, which should have been processed onXX/XX/XXXX, once again did not happen. OnXX/XX/XXXXI once again made a payment online for {$120.00}, bringing my account current. 

Over the course of these months, XXXX repeatedly failed to communicate, and incorrectly attempted to debit either my old checking account, or simply didn't make any attempt to debit any account for the payment that was previously arranged.
Consumer complaint received 2024-03-15
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Payment process
Company: Onity Group Inc. (PA)

PHH Mortgage was advised to pay our property tax bill due on XX/XX/year>, for the amount of {$7500.00}, a 2 % discounted rate to XXXX XXXX of XXXX XXXX collector. We sent an email with the attached property tax bill on XX/XX/year> to PHH Mortgage. We requested payment, a full month prior to this original due date for our property taxes. We have enough available funds in the escrow account to cover this property tax bill which PHH Mortgage failed to pay despite phone calls reminders and the email. The property tax bill subsequently increased to {$7700.00} and is now due XX/XX/year> and likely payment is in doubt as well. The unpaid subsequent property tax bill increased our payment liability by {$150.00} dollars. PHH Mortgage also has other unpaid XXXX XXXX property tax bills attached to our escrow account and accruing interest in excess, of a 2 % discount accorded to early payers which we would half qualified for. PHH also has XXXX other unpaid tax amounts that an email copy of the bill was sent to them without any advisement to us regarding any payment plan.
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (TX)

I applied for a credit card with my social security card. According to 15 USC 1681a ( 2 ) ( B ), any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device, should be excluded from a consumer credit report. 15 usc 1602 ( I ) states the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, Congress said ANY card. COMENITYCAPITAL/XXXX  and COMENITYCAPITAL/XXXXXXXX inquiry needs to be removed from my consumer credit report because I used a credit card in this transaction, which is illegal.
Consumer complaint received 2022-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NY)

I had 2 purchases on my Amex XXXX card with XXXX XXXX, and then I also received 2 credits from the XXXX tax agency in regards to these 2 purchases. 

The initial charges were on XX/XX/XXXX for XXXX  XXXX and XX/XX/XXXX for XXXX  XXXX. My XXXX XXXX XXXX indicate AMEX converts these charges at the actual currency exchange rate. When I look on XXXX to see the FX rates I am given worse rates. The XX/XX/XXXX transaction AMEX charged me US {$3800.00} and on XX/XX/XXXX XXXX {$7000.00}. When I go on the XXXX site it should be closer to US {$3800.00} and US {$7000.00}. I tried to dispute it but no one talks to me and they simply close the case with no explanation. 

Then on XX/XX/XXXX I received 2 credits for the above transactions for XXXX  XXXX and XXXX  XXXX. The merchant is listed as a different name because it is a XXXX  credit. The FX rate I was given on this day for the credit was XXXX USD to XXXX. On this day XXXX XXXX was equal to XXXX USD so I was undercredited significantly. Even worse, the XXXX TO USD has not been at XXXX in over 20 years so its even crazier. 

Amex XXXX indicates you get the actual rate on the transaction. When I look at ALL my fx transactions, it seems American Express is playing with the bid/ask rates and skimming versus in reality giving the real rate. 

I have 2 asks : 1 ) I am credited back ~ {$160.00} on the above 4 transactions 2 ) American Express explain to me why they are skimming? If you look at all transactions, they are always at the worst rate for that day.
Consumer complaint received 2023-01-28
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. (IL)

According to 15 USC 1681e 607 ( b ) Accuracy of Report ; and FCRA You have the right to dispute incomplete or inaccurate information '' All three ( XXXX ) credit reporting agencies, TransUnion, XXXX and XXXX has report different account balance amounts, payment amounts and number of closed accounts on my credit report regarding my Revolving Accounts and Installment Credit Accounts. 

Inconsistencies in reporting can be a negative impact on my credibility for future access to credit cards, mortgage loans, car loans etc.
Consumer complaint received 2022-03-10
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 — Investigation took more than 30 days
Company: North State Acceptance, LLC (NC)

This account dates back to XXXX. Around 8 years ago. This was not my vehicle, this was my boyfriends vehicle. On top of that, the car is being reported as a repossession. This car was sold to another individual however no one was ever notified of the vehicle being sold or given any information prior or after the car was sold. Further more this was never my debt, I never agreed to be financially responsible for the vehicle. This debt has been reported improperly now for over and over for more than 8 years. The last time this inaccurate debt was reported on my credit reports was just in XX/XX/XXXX. Just a few weeks ago, this is incredibly damaging to my credit and has hurt me over and over when trying to obtain credit. I have pleaded with this creditor over and over asking them to prove that I owe this debt or to rightfully remove it from my credit and they have never once provided any proof however they decline to properly prove the debt or remove it.
Consumer complaint received 2019-10-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (MI)

XXXX XXXX ( LDF Holdings ), continues to harrass me with phonecalls to both my cell phone and place of employment in regards to an old payday loan. I sent them a certified letter on XX/XX/19, at which point I revoked their ACH Credit and Debit authorizations. I also explicitly told them that they were not to contact me further via phone at home or place of employment about this debt. The loan that they provided me with was illegal per Michigan law, and they have no leg to stand on with their " rent-a-tribe '' scheme to evade state usury laws.
Consumer complaint received 2019-10-29
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. (TX)

Equifax ; XXXX  and XXXX are reporting incorrectly a collection in the amount of {$17000.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) I returned the defective vehicle within the time allowed under the Lemon Law. The vehicle was sold at auction and sold for more than the balance owed so consequently, there is no outstanding balance due and owing and therefore nothing to collect. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.
Consumer complaint received 2019-10-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

Called XXXX XXXX XXXX XXXX. Received a letter telling me IDR forms were due by XX/XX/XXXX or payment in XX/XX/XXXX would increased. Called XX/XX/XXXX person on other line stated everything was fine for my student loan I even asked about the online form and they said everything was up to date. Checked XX/XX/XXXX I have a bill for XXXX because an application form was not submitted. When calling them lady on other line said she did not want to argue with me and what would you like to do? I asked for her supervisor and she stated if information was given incorrectly she apologizes but the forbearance had to be done.
Consumer complaint received 2018-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

I tried to get my free annual credit report from XXXX but it never verifies my information. None of the questions they ask pertain to me. None of the information is mine and it doesnt matches anything. I need my equifax, XXXX and XXXX updated reports.