davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-19
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$1000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.
Consumer complaint received 2022-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In response to complaint number XXXX XXXX XXXX XXXX has taken longer than 30 days to investigate this dispute. The dispute was sent XX/XX/2022 and XXXX XXXX XXXX has been in response since XX/XX/2022. I have given them too much time to respond as it has been well over 30 days with no response. Under the rules of the FCRA this account should be deleted from my consumer report since the investigation was not completed in 30 days. I have attached a screen shot as evidence and proof of the date of dispute and lack of response for your reference.
Consumer complaint received 2022-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Avant Holding Company, Inc. (SC)

I was approved with Avant for a credit card in XXXX and was waiting on it's arrival XXXX business days after approval. It should of arrived no later than XX/XX/XXXX ..... It never came. I spoke with a rep on XX/XX/XXXX, who trusted a card which was sent out on XX/XX/XXXX... Wait another XXXX business days. I spoke with a rep on XX/XX/XXXX because AGAIN, I haven't received the reissued card. He then stated that if it's not in my possession on Friday, XX/XX/XXXX, then I need to call back. Today is XX/XX/XXXX and I STILL HAVEN'T RECEIVED my card. I called, was on hold for almost 15min, and a lady answered. She stated that since I didn't get it, still, she'll reissue a 3RD CARD. I asked her why do they not know where these cards are going because I'm potentially looking at 45 days without my card after giving my personal information to this company who ALLEGEDLY sent two cards already. The lady was VERY RUDE AND DISRESPECTFUL, SASSY, AND DEFENSIVE regarding me asking where's my card, why this is happening, am I the only one, and why not rush deliver the card since they have so many to give out ( listen to the call. I Called Avant @ XXXX. Total time : XXXX XXXX )? She showed ZERO care and lacked customer service.
Consumer complaint received 2022-07-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: DISCOVER BANK (MN)

Discover Student Loans Sent payment via certified mail XX/XX/22 to pay off the amount of XXXX after calling to confirm full amount due same day- talked to XXXX XXXX Now being charged XXXX for accrued interest in the 5 day period despite payment being sent and received XX/XX/22, applied to account XX/XX/22. When checked the interest rate, it is 9.59 % so interest would be considerably less than the amount still owed. I plan to pay it in full but still would like a refund.
Consumer complaint received 2020-05-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC (TN)

AF24/7 IS NOT TRUTHFUL IN THEIR LENDING. THEY KERP RAISING MY CREDIT LIMIT TO OF COURSE CHARGE ME MORE MONEY TO WHERE I JAD TO STOP PAYMENT. HOW IS IT EVEN RIGHT. PLUS THEY ARE FUL OF XXXX THEY STATE ITS A XXXX  PAY IT BACK HIW AND WHEN YOU WANT. NOT TRUE. ON TOP OF THAT IF YOU LOOK THEM UP IT EVEN STATES XXXX XXXX XXXX XXXX. WHAT IS THE CUT OFF ON HOW MUCH THEY CAN CHARGE I PAID OVER XXXX A MONTH FOR OVER A YEAR AND OWED MORE THAT WHEN I GOT THE LOAN. I WANT ALL MY MONEY BACK ADD IT UP AND TELL ME ITS NOT A SCAM XXXX ROBBING LOW INCOME PPL
Consumer complaint received 2022-07-07
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX # XXXX, U S dept of ED/XXXX  # XXXX {$5800.00} {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX hard fraudelet hard inquiries XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

They claim that I own money for some apartment lease in Texas wich Im never been that lease was opened fraudulent they they send the debt to collections and they affected me hurting my score and not able to qualify to a mortgage for them I try to talk the credit bursbut they didnt listened to me
Consumer complaint received 2020-05-19
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. (CA)

I was applied for a loan and I found two accounts I never open those two accounts are fraudulent accounts I lost my documents and some one has a copy of my personal information and that person used and open accounts under my name.
Consumer complaint received 2022-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

Select Portfolio Servicing Inc. is the worst mortgage servicer I have ever dealt with by far. Not even close. They do what they want and when they want. Never in 29 years have I dealt with a company that is so incompetent and un-ethical in any industry. Report these XXXX  immediately to government agencies so hopefully they are put out of business or fined into oblivion. Keep in mind they will do what they can to foreclose on your house. They have canceled my payments twice in 2022. Not my choice but theirs.
Consumer complaint received 2022-07-07
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: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX IN,XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX DE, XXXX, XXXX XXXX XXXX inquired on XX/XX/XXXX, XXXX  XXXX XXXX  inquired on XX/XX/XXXX, XXXX XXXX  inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX inquired on XX/XX/XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-07
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. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-05-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (AZ)

Violation of 1024.33 Mortgage Servicing transfers On XXXX XXXX, we completed a refinance of our Chase home mortgage. On that date, XXXX XXXX wired the payoff amount ( wire confirmation included ), to Chase home mortgage. After the wire was received by Chase, they indicated the loan had been transferred to XXXX XXXX, XXXX. The payoff was then forwarded to XXXX XXXX, however it took close to 20 days and the new servicer deducted {$690.00} from our escrow refund to cover interest accruing. Under no circumstances should close to 20 days of interest have been accrued. Chase sat on the payoff for a week and then forwarded a check to XXXX XXXX. We were unaware of this process. 

When we contact Chase, their resolution department stated it was not their problem and we were notified of the transfer by letter form on XX/XX/XXXX. We do not recall receiving this letter. Additionally, we had a written payoff quote from Chase, ordered XX/XX/XXXX in the normal processing of our mortgage refinance. The payoff quote ( attached ) was good through XX/XX/XXXX. We funded our refinance on XX/XX/XXXX. If Chase was aware of the transfer of servicing, they should not have permitted a payoff quote through the date they planned to transfer. 

We feel as though there is a violation of CFPB rule 1024.33 and request the amount we were penalized of {$690.00} returned to us. In addition to the violation, we also feel as though 3 weeks to resolve and then charge us is unethical. 

We are attaching our closing statement, our payoff request through Chase and the wire confirmation. 

Our request is a full refund of the {$690.00} and we will consider the case resolved. 

Respectfully
Consumer complaint received 2023-02-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/2022, I have added my wife as a joint account holder to my savings and money market accounts. As an online bank, Capital One offers to do that online when the new account holder supplies an email and phone number, which we did. Banking was working fine for over a week ; we made transfers without problems or warnings. Then we tried to make a large transfer from the money market to the savings account on XX/XX/XXXX, which was the point when the bank suddenly locked our account claiming that my wife 's identity had to be verified. The only way to do so would be to provide a " verifiable phone number. '' We had provided her number already at account opening, which works fine and has been used by Capital One to provide her login and online access to the accounts. But Capital One claims that we must wait more time until the phone number is " verifiable in their system. '' They refuse to - unlock the funds ( just under 1mn $ ) until verification has taken place,- provide information on how phone verification would happen,- provide information on how long it will take ( " could be weeks, could be months '' ), - accept physical documents proving our identity ( passports, marriage certificates, phone contract ) in lieu of electronic verification, - accept our proposal to personally visiting a branch office to show documents proving our identity, - accept any other way to proof identity,- have given no timeline of how they will proceed and if the problem will return once the account in unlocked and we will try to make a large transfer once again. 
Though fully willing to co-operate with Capital One, we are given no chance or prospect to have the account unblocked and access our assets, which we urgently need for a home purchase. On the contrary, Capital One has threatened us that all funds may be lost in case the account was opened with fraudulent intent/by providing false information. We have done no such thing and are given no chance to prove it to them.
Consumer complaint received 2022-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (MN)

I am a Wells Fargo customer. A direct deposit was supposed to show up in my checking account 2 days ago but something is clearly wrong with the system. I am not able to pay my rent. I already have to pay the late fees for my bills and now I face eviction if they do not solve this problem quickly. 

I went to a Wells Fargo branch and the staff there said it was because of the XXXX of XXXX holiday and asked me to wait. 

On the website, I can only see " If you see incorrect balances or missing transactions, we apologize for this issue. Your accounts continue to be secure and we're working quickly on a resolution. ''
Consumer complaint received 2022-07-07
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Account US DEPT ED # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-06
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. (PA)

When i went to get a car they pulled up my credit report and i said all these fraudulent accounts and all these inquiries XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX
Consumer complaint received 2022-07-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (OH)

There is no instrument of indebtedness in its original form for the debts listed below. I never received a contract of any sort signed by myself to any of the credit reporting agencies. I honestly don't believe that any of this information belongs to me without the verification in a contract. According to the law, this is illegal According to the FCRA as well as the Comprehensive Credit Act of XXXX I'll be seeking litigation remedy if not resolved at once. I am entitled to at least {$1000.00} in damages for every unverifiable item within my credit files. None of this information can be confirmed. XXXX XXXX XXXXXXXX XXXX Opened XXXX {$86.00} XXXX XXXX  XXXX XXXX Opened XXXX {$130.00} XXXX XXXX XXXX Opened XXXX {$180.00}
Consumer complaint received 2023-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (IN)

The seller told me to send the money to XXXX and when I did he now says XXXX XXXX isn't correct name. that's a persons name not a pay pal name but he insist I made a mistake. I have chat history proving I'm right. PLEASE HELP! 

Pay Pal receipt shows transaction will show as XXXX XXXX DEBIT_CARD You'll see " PAYPAL XXXX '' on your card statement. 
{$310.00} Transaction ID XXXX I done everything according to seller and now he says he is not getting the money I would like to get this money returned to me
Consumer complaint received 2023-02-17
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. (CA)

I am writing to request the method of verification for dispute initiated on XX/XX/2022 followed up with written disputes on XX/XX/2022 regarding the disputed items below. It has been more than 30 days and I have not received any proof that your company validated the debt. Youre also reporting incorrect addresses on report 1. Validate Account XXXX XXXX XXXX. Account # XXXX XXXX. Please delete account or provide validation information For each of the disputed items above, I am requesting that you provide the following information : XXXX. The name of the original creditor XXXX. The creditor 's address and telephone number XXXX. The persons name they verified the dispute with XXXX. The documentation used to verify the dispute
Consumer complaint received 2023-02-17
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-11
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: V and H Portfolio (GU)

Date Opened : XXXX XXXX, 2022 Balance : {$520.00} Original Creditor : XXXX XXXX I am unaware of this credit lender. I am currently located in XXXX and have never heard of Original Creditor.

I reached out to company but wanted to report it just in the event they dont contact me quick enough.