davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-30
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. (MD)

Pursuant 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 consumer report. I demand that Experian, XXXX, and XXXX remove these transactions from my reports immediately as they are a violation of my rights as Federally Protected Consumer under 15 USC chapter 41. 15 U.S. Code 6801 - Protection of nonpublic personal information Pursuant to 15 USC code 6801 ( a ) ( 1 ) ( B ) ( i ), I did not give my permission to any company to furnish my reports to any consumer reporting agencies. Pursuant to 15 U.S. Code 1681d - Disclosure of investigative consumer reports, the consumer has a right to prohibit information contained in the consumer 's file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer. Experian, XXXX, and XXXX have been reporting consumer credit transactions without the consumer 's authority. Congress did not give them authority. Pursuant to Fair Credit Reporting Act 602. ( 3 ), consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit and other information on consumers. With all the information provided above for example, Experian, XXXX, and XXXX have been reporting without my consent a case that is in LITIGATION since 12.26.2019. The alleged attorney claims to be representing XXXX XXXX XXXX and the Trustees. This issue has caused me to be ineligible for COVID Small Business Loan. The max cap was {$500000.00}. I'll be providing this evidence when I am ready to assess actual damages. BUT NOW I AM GOING TO BUY A CAR SO I DO NOT NEED THIS CREDIT ISSUE TO HAPPEN AGAIN.
Consumer complaint received 2021-10-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MD)

On XX/XX/2021 around XXXXXXXX XXXX EST, I received a phone call from someone posing as a Wells Fargo Bank representative. The person identified himself and called from the Wells Fargo customer service number ( XXXX ). The person informed me that someone in XXXX, Florida by the name of XXXX XXXX was trying to wire {$3500.00} via XXXX from my Wells Fargo debit card that ended in XXXX. The person told me I needed to log onto the Wells Fargo website. He informed me that the money in my account ( he knew the nickname on my bank account ) was froze. He told me I needed to wire {$3500.00} via XXXX back into my account. Initially I was unsure if the person was an actual Wells Fargo representative, but since he called from the Wells Fargo phone number, had my cell number, and knew the nickname on my bank account, I thought he was a real representative. In addition, I am unfamiliar with XXXX. So I followed his instructions and completed four transactions that totaled {$3500.00}. Unfortunately, I provided him the verification code I received via text message. After I completed the transactions, the person immediately hung up the phone. I immediately re-dial the number he called from, which was the number to Wells Fargo customer service. I spoke to a Wells Fargo representative and filed four claims. Just fyi, prior to this incident I lost my wallet at a restaurant in XXXX, VA. Therefore, I believe this person had my old debit card number and go access to my personal information and bank account information. The person sent me a message alert via text from XXXX. 

I received a status update from Wells Fargo on XX/XX/2021. Wells Fargo informed me that the bank contacted XXXX to try to get refund on three of the four claims. Wells refuses to accept one of my complaints, although I did not knowingly nor intentionally transfer my money to scammer. Wells Fargo also informed me that the bank is at XXXX mercy and XXXX does not have a specific time frame ( and perhaps obligation ) to respond. 

This complaint is against Wells Fargo.
Consumer complaint received 2023-03-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Service International Corp (MI)

In XXXX of XXXX I was informed of a medical debt of {$150.00} to XXXX XXXX. I informed the collection representative that this was double charged based on the medical code from the doctors office that submitted it. I was called in XXXX or XXXX and asked more about the insurance not covering this charge. I was never informed they will send to collections. 
This is a medical debt under {$500.00} and collection agencies should not be reporting it under new FCRA guidelines. 
I looked and the Credit Services Intl does not have this as a medical collection on my credit report so they lied to the reporting agencies about type of debt.
Consumer complaint received 2021-10-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MD)

On XX/XX/2021 around XXXXXXXX XXXX EST, I received a phone call from someone posing as a XXXX XXXXXXXX XXXX representative. The person identified himself and called from the XXXX XXXX customer service number ( XXXX ). The person informed me that someone in XXXX, Florida by the name of XXXX XXXX was trying to wire {$3500.00} via Zelle from my XXXX XXXX debit card that ended in XXXX The person told me I needed to log onto the XXXX XXXX website. He informed me that the money in my account ( he knew the nickname on my bank account ) was froze. He told me I needed to wire {$3500.00} via Zelle back into my account. Initially I was unsure if the person was an actual XXXX XXXX representative, but since he called from the XXXX XXXX phone number, had my cell number, and knew the nickname on my bank account, I thought he was a real representative. In addition, I am unfamiliar with Zelle. So I followed his instructions and completed four transactions that totaled {$3500.00}. Unfortunately, I provided him the verification code I received via text message. After I completed the transactions, the person immediately hung up the phone. I immediately re-dial the number he called from, which was the number to XXXX XXXX customer service. I spoke to a XXXX XXXX representative and filed four claims. Just fyi, prior to this incident I lost my wallet at a restaurant in XXXX, VA. Therefore, I believe this person had my old debit card number and go access to my personal information and bank account information. The person sent me a message alert via text from XXXX. 

I received a status update from XXXX XXXX on XX/XX/2021. XXXX XXXX informed me that the bank contacted Zelle to try to get refund on three of the four claims. XXXX XXXX also informed me that the bank is at Zelles mercy and Zelle does not have a specific time frame ( and perhaps obligation ) to respond. 

This complaint is against Zelle.
Consumer complaint received 2021-10-30
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. (MD)

There is a collection account on my credit report from state of md XXXX XXXX I've attempted multiple times to have the collection removed as it does not belong to me as I have never attended the XXXX XXXX XXXX XXXXXXXX. Experian has failed to properly investigate after numerous disputes and continue to provide me with a recurring generic response. I sent in a method of verification which they failed to acknowledge and continued to report this fraudulent account. Please properly investigate and have this account removed immediately.
Consumer complaint received 2021-10-30
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. (MD)

Transunion continues to report a bankruptcy that does not belong to me even after I provided documentation from the bankruptcy court as well as XXXX XXXX stating that the bankruptcy is not mine. I have sent in a dispute every month since XXXX, and each time they fail to properly investigate and resend the same letter that's dated XX/XX/XXXX. I have failed a compliant with the CFPB previously, but to no avail. I spoke with a representative from XXXX XXXX on XX/XX/XXXX @ XXXX and she confirmed that there is no bankruptcy on my account. I would like for this inaccurate data to be removed from my account immediately as it is negatively impacting my credit worthiness.
Consumer complaint received 2021-10-30
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. (UT)

I have sent copy of letter from XXXX XXXX XXXX 3 times showing a 30 day past due is to be removed from my reports. This still has not been removed
Consumer complaint received 2021-10-30
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. (UT)

My FICO score was well over 800 at one point this year. It took some unwarranted hits in late summer when I took action on several suggestions from Experian to apply for a 0 % interest credit card to pay off an essentially dead account with XXXX XXXX, a high interest card. I took action on these suggestions and secured an 18 months 0 % interest card with XXXX XXXX, a XXXX XXXX. By so doing I am paying off this old debt with payments that will pay off the total balance transfer before the interest free period expires. Experian has failed to recognize this credit card for what it is, an interest free balance transfer. Because they fail to do this it shows as a sudden spike in credit usage and has adversely impacted my " exceptional '' credit rating which I have worked diligently to achieve. I continue to receive suggestions from Experian to acquire an interest free balance transfer card or a small interest loan to retire this amount with XXXX XXXX. They wouldn't continue to bombard me with these suggestions if they were looking at my XXXX XXXX Card balance transfer as the solution they were recommending all along this past summer. I am frustrated with their actions which are essentially unwarranted and keep bouncing my credit score around to the point where I don't want to log on each month. It's their mess!
Consumer complaint received 2021-10-29
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: U.S. BANCORP (TX)

At the end of last year, I fled an XXXX relationship and began living of my Comerica Bank Credit card. I called them to let them know this and asked numerous times for lower interest rates, balance transfers, deferred interests etc all options I know is available to people like me -victims. Comerica bank refused to help my citing that my situation was not serious enough for them to help me. Keep in mind, my abuser tried to kill me and I was hospitalized. I began making payments and NEVER missed any payments. Then they began charging me HIGHER interests when I was not even making ANY purchases with the card. When I reported Comerica bank to CFPB, the retaliated against me by running my credit and lowering my credit limit. I called them to ask why and they said I have late payments. I DO NOT HAVE ANY late payments. they lied. Moreover, I found out from an employee that they were retaliating because of my numerous complaints against them. I have paid of the credit card in FULL as of XXXX. I called today XXXX to close the account and they began reading me " a disclosure '' saying that if I close down the account, they may never issue me a credit card in future. This is illegal and this needs to be looked into. My other banks have agreed to help me. I spoke to management at XXXX, XXXX XXXX and XXXX XXXX NONE of them reported me to the credit bureaus. None of them lowered my credit limit. Comerica BANK is a XXXX and discriminatory bank and I will never use them again. CFPB needs to look into them ASAP!
Consumer complaint received 2020-10-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phillips & Cohen Associates, Ltd. (DE)

I routinely receive calls from XXXX XXXX XXXX. They leave name and last 4 of my social security number and state that they need to speak with me or my attorney and to -call them back at XXXX. Once I called back and spoke to a woman who stated it was an unpaid debt on a XXXX card. I have only had one XXXX 's card and it was resolved and paid via my debt Consolidator, with XXXX XXXX at XXXX and they arranged payment via Phillips & Cohen. The debt was consolidated and paid to the full agreement. I have been threatened that this will go to court, they are turning it to XXXX XXXX XXXX XXXX etc. I am tired of threats against something I have paid and resolved. I have given them my debt consolidators information XXXX times now and they just don't go away.
Consumer complaint received 2021-10-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (MO)

XXXX - Four separate {$1000.00} electronic checks were deposited into my checking account from an unauthorized source. I contacted Navy Federal Credit Union on XXXX about those checks and made them aware that I did not deposit them and was not sure where they came from. 

XXXX - Navy Federal Credit Union closed my checking account. 

XXXX - They reassured me that all of the money that was originally in my checking account would be transferred to my new checking account. I was told that once the money ( {$1800.00} ) was transferred to my new account I would be able to continue to use my checking account as I normally do. 

XXXX - Navy Federal Credit Union transferred {$3700.00} total to my new checking account. This was the total of two paychecks in my account. 

XXXX - NFCU removed the 4 {$1000.00} checks from my checking account. 

XX/XX/XXXX - NFCU pulled {$2300.00} from my checking account to pay an " outstanding balance '' on my old checking account. I was never informed about this negative balance and I am not aware of how this checking account was drawn to a negative balance. 

XX/XX/XXXX - NFCU pulled {$1000.00} from our joint checking account to pay off an outstanding balance on my new checking account. This withdrawal was also not authorized and I was never notified that NFCU was going to be moving money from one account to another. 

XX/XX/XXXX - I contacted NFCU regarding the discrepancies in checks deposited/withdrawn and the negative account balance. I did not spend money to cause my checking account to go negative {$2300.00}, and I discussed this issue at length with NFCU and assured them that any transactions or money transfers were not done by myself or authorized by myself. NFCU refuses to provide me with information as to where this money was spent, when it was spent, and by who it was spent. NFCU tells me that there is nothing they can do and that I am responsible for the {$2300.00} that has been spent. In addition, NFCU removed {$1000.00} from our joint checking to pay off a negative balance that I did not cause. They have now misplaced {$3300.00} and they are telling me that there is nothing they can do and that I am fully responsible for their mistakes. I have made them aware that I fully intend to file a formal complaint and/or police report. 
XX/XX/XXXX - My wife transferred all remaining money ( {$2200.00} ) to her savings account to prevent any further losses from our shared account because we do not trust our bank. It is a shame to admit that we do not trust our financial institution to properly handle our money and defend us in the setting of fraudulent charges. 

*ALL copies of deposits, transactions and withdrawals from the accounts mentioned above can be provided upon request.
Consumer complaint received 2021-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (NE)

XXXX bought XXXX XXXX from XXXX XXXX . I was told I could finance interest free. Payed {$2000.00} down financed {$4900.00} through a co. called XXXX and signed a contract without completely reading it. Set up auto withdrawal from my checking of $ XXXX month and thought everything was taken care of. When I still owed {$390.00} after 24 months {$1600.00} in interest was charged to me. I see now the whole thing is designed to take advantage of people like me that get carelesswith signing what you think is a simple contract. I thought is was signing up for financing like you do buy a car not not some credit card co. that is waiting to pray on you.
Consumer complaint received 2022-12-30
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (MI)

I filed a Complaint on this issue previously ( # XXXX ), that was closed after Ally Bank provided an answer to my Complaint. Unhappily, the response was completely inadequate as Ally Bank again falsely claimed that I authorized the transfer at issue from my Mobile Phone. That did not occur, and the proof that I submitted is something on which even Ally Bank agrees. More specifically, the moment I discovered the transfer of {$9800.00} from my Savings Account, I asked the Agent with whom I spoke ( on XX/XX/22 ) to please stop the transfer, that I had nothing to do with it, and no knowledge of from where it came. The Agent refused and although the money was initially refunded, Ally again took the money from my Account and their response to multiple letters and phone calls is now that the " disputed ACH transfer was made from your device, '' which is just not true, however, that is apparently all that must be claimed in order to keep {$10000.00} of mine that I need desperately.
Consumer complaint received 2021-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

regarding CaplitalOne Venture card : I called about a month ago to dispute a charge from XXXX on XX/XX/XXXX for {$580.00}. The representative told me that the dispute had been logged, case # XXXX and was submitted. But a week later my office received mail they scanned and emailed to me with a form that was needed. I completed the form the same day and called requesting a digital upload link ( as suggested by the company ). The person said that their computer was messing up and that they would send the link when it was fixed, but I had to call in almost a week later to make the same request again. After finally receiving an upload link, I uploaded those documents about two weeks ago. Because CapitalOne does not have a method for customers to check status updates themselves, I called in on Tuesday XX/XX/XXXX and first spoke with XXXX ( emp ID XXXX ), who placed me on hold while he researched and then dropped the call. I called in about 10 minutes later when I didn't get a call back and the next employee reached out to XXXX and responded saying that his phone had dropped because it wasn't working. So I got transferred to the next supervisor XXXX ( emp ID XXXX ). I was on the phone with XXXX for another 2hrs and 58 minutes while he looked into cases. During this call, XXXX put me on hold for almost 1 entire hour while he researched this case. When he came back on the line he explained to me that the bank DID receive my uploaded dispute document over a week prior, but failed in its duty to submit the case notes to the vendor as a charge back. He told me that there was a glitch in the system and it should have done that. I was upset that several weeks had passed and all delays to date have been from my very own bank not following through, but thought he had fixed the issue when the call ended. Late yesterday XX/XX/XXXX I received an email from the bank saying they had an update. The update states " Thanks for letting us know that you're no longer disputing the charge with this merchant.Since we previously credited your account for {$580.00}, the amount you were disputing, we are reapplying that charge to your account. The adjustment will appear on your next one to two billing statements. At this time, we consider your case closed. '' I never closed this case, this is so inaccurate. I called today and requested the same manager " XXXX '' that helped before as he asked me to do, but was told that he would have to call me back - he never did. Now I just found out today that the end vendor who actually received the funds and does not reply to any requests to resolve the matter with them directly, " The XXXX XXXX XXXX '' is closing permanently. I really hope that this does not affect the dispute. 
Please please please help!
Consumer complaint received 2021-10-29
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: EQUIFAX, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.