davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC (OH)

I live in Ohio and my husband is XXXX XXXX for the military  and spouses fall under the SCRA benefits in Ohio. I have contacted them three times with the Ohio SCRA law and my husbands military orders and they refuse to change the interest to no more than 6 %. I was told they are in another state and could do whatever they want to do. I was informed that even though they might be in another state, they must abide by Ohio 's laws to do business with customers in Ohio. The company has not responded to my request in writing only when I call in on the phone they refuse to review it and state since I am not the service member they will not change it even though in Ohio they are required to. 

XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/XXXX
Consumer complaint received 2019-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Systems International, Inc. (TX)

I have disputed these accounts numerous times through XXXX and XXXX as the negativity that has impacted my score has been false from the start. I have talked to each collection agency listed and have recorded conversations of them stating apologies for the errors and that they will be removed however ; they have only followed through with XXXX  and not XXXX. I have no negative items on my XXXX  but they have done nothing to XXXX  besides removal of a few accounts but, they have added accounts in their place, ones where insurance, XXXX, XXXX and my Supplemental insurance company has already paid these claims. I need help as I have disputed these numerous times. Below are the companies that are not in following through with what they have agreed to do. 

NEGATIVE INFORMATION > COLLECTION. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX | XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo Bank has opened unauthorized checking and savings accounts. After I flagged these accounts for fraud and identity theft Wells Fargo closed all my accounts without my approval. Wells Fargo ( WF ) charged my account penalties which caused my accounts to be negative, WF then started a series of overdraft fees to recur further deepening the negative balance. WF then sent the accounts to collection. WF refuses to give me any account information for my accounts going back to simply just XX/XX/XXXX. I have contacted my initial opening branch since the XXXX in XXXX XXXX, CA and they have confirmed that they 'Do not have access to my accounts ''. This is a direct violation of FCRA and they have intentionally committed various forms of fraud to intentionally further cause economic harm to me. 

WF has promised to assign a caseworker and to call me. They have failed to call me and further harm me as I can not lock my credit report and I can not apply for an SBA PPP Loan as per the Federal CARE Act since they have closed my checking account.

WF has been served letter by Senator XXXX XXXX of Massachusetts to answer to their frauds. 

https : XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX Wells Fargo had committed several violations of Federal banking, consumer, savings, and credit laws. WF has violated my California Privacy Rights. 

Wells Fargo Bank has paid over {$15.00} XXXX XXXX to  cover the frauds and is still closing people 's accounts daily and not giving them access to their records. 

The ticker symbol for Wells Fargo Bank is s WFC and trades on the New York Stock Exchange. with about {$2.00} XXXX dollars in assets WFC is the 4th largest bank in the United States. Wells Fargo is a shortable stock in a market where no uptick rule is currently in effect. 

Wells Fargo directors and officers list can be found here. Wells Fargo may be subjected to consumer and securities law derivative class actions. 

Wells Fargo distributes a Code of Ethics pamphlet if anyone runs out of toilet paper.
Consumer complaint received 2019-08-22
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. (MA)

I am writing to dispute XXXX XXXX XXXX on my credit report. The balance listed on the account is incorrect. Please delete the account.
Consumer complaint received 2020-04-09
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: I.C. System, Inc. (FL)

This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS and MY HIPPA RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.

Furthermore, this company DID NOT AND CAN NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2020-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (SC)

THIS COMPANY HAS NOT VERIFIED NOT INVESTIGATED AND HAS FURTHER PURPOSELY AND WILLFULLY WRITTEN DEFAMATORY STATEMENTS AND WRITTEN ILLEGALLY FALSE STATEMENTS UPON AN UNVERIFIED ACCOUNT.THIS COMPANY HAD NOT PROVIDED ANY CONTRACTS WITH SIGNATURES.PLEASE REFER TO PREVIOUS COMPLAINT FILED XX/XX/XXXX WHICH HAS ALL DOCUMENTS.THIS COMPANY HAS BEEN REPORTED FOR TAX FRAUD FOR FILING A FALSE 1099-C FOR A DEBT THAT HAS NOT BEEN VERIFIED AND HAS NOT FOLLOWED FCRA 609. THIS COMPANY HAS PURPOSELY AND WILLFULLY BEEN NEGLIGENT.THIS COMPANY IS TO REMOVE ALL ILLEGALLY REPORTED DEFAMATORY AND CREDIT REPORTING ON UNVERIFIED ACCOUNT IMMEDIATELY AS THEY FAILED TO DO SO SINCE XXXX. THE BOTTOM LINE THIS CORPORATION HAS BEEN REPORTED TO THE INTERNAL REVENUE SERVICE FOR ILLEGALLY FILING A FALSE 1099-C.
Consumer complaint received 2019-08-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

This is in regard to my Capital One Menards XXXX XXXX account. I made a payment of {$250.00} to Capital One for the account on XX/XX/2019 via electronic payment from my XXXX XXXX XXXX   checking. The funds were debited from my checking immediately. I called Capital One on XX/XX/XXXX to confirm their receipt of payment, because it did not show on my account online. They said they did not get the payment. I was told to send proof of payment via fax to their retail billing dept, to include a copy of my bank statement showing the payment was debited from my checking account. I sent the documentation on XX/XX/2019. I called on XX/XX/XXXX to confirm their receipt of the faxed documentation. They acknowledged receipt, and said they were looking into it. They said they listed the {$250.00} missing payment as a " dispute ''. At the end of XXXX, they sent me a letter asking for more proof of payment. They asked me to fax a copy of the bank transaction, issued by my bank, to show the electronic payment. I went to my bank, got this documentation, and then faxed that, as requested, to the fax number given on the letter. I faxed this on XX/XX/2019. On XX/XX/2019, I called again ( this is the fifth time I have called them ) for status update. The customer service rep said she had " bad news - they closed the dispute. '' When I asked why, she said " lack of response ''. I DID respond. I have sent them everything they have asked for. I have printed confirmation of successful transmission of the faxes to the numbers they instructed me to use. Today I spoke with two different representatives, one supposedly a supervisor. He said he would escalate the issue to the " back offices ''. I do not know what that's supposed to mean, other than they have once again found a reason to delay finding and applying my payment. My banker at XXXX XXXX bank said Capital One most likely applied my payment to the wrong account, but since they do have the transaction number associated with the payment, Capital One should be able to find the misapplied payment and correct it. What worries me is that Capital One closed this issue under false pretense ( that I didn't respond ). I have done all they asked within the time frame they asked, and they refuse to acknowledge my proof of payment or correct this error. They should either find my electronic payment and apply it correctly, or return the payment to my bank account as unable to be applied. I have sent every piece of documentation they asked for in order to resolve the problem, but instead of resolving the problem, they simply closed the dispute and kept my money. How is that legal?
Consumer complaint received 2019-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

My XXXX  credit card was charged {$3600.00} on XX/XX/XXXX. The charge is from " XXXX  XXXX XXXX '', a company i've never heard of. This occurred during a trip to XXXX with my brother during that time. After returning home from the trip I checked my account and saw the charge, which I then disputed on XX/XX/XXXX. I was told that it would take several weeks for a response. The dispute claim was rejected on XX/XX/XXXX due to " We confirmed your card was used for the charge. The chip was read ... which indicates you or someone you allowed to use your card was present ''. I contacted Bank of America on XX/XX/XXXX to protest the decision and was told that the Fraud claim would be resubmitted ( confirmation no : XXXX ). On XX/XX/XXXX I contacted BoA again to follow up and was told that nothing had been filed. I went through several individuals on that day ( XXXX, XXXX, XXXX, XXXX XXXX ) who could not provide me support until I spoke to XXXX XXXX out of Texas. XXXX XXXX told me that she was able to get things submitted for me giving me confirmation no. XXXX and told me to contact the existing claims to follow up in the future and that I would be mailed a confirmation that everything was on track. 
I reached out again on XX/XX/XXXX, after not hearing anything or receiving anything in the mail. XXXX from Tenessee informed me that my claim had been denied that day, the XXXX, and that she didn't know why I didn't get a letter. She recommended that I file a police report and submit again if I wanted to. I've no been able to get a report filed and am looking for guidance. 
All of the charges, including all travel, during my trip to XXXX are included on both my BoA credit and debit card. I still have not been told the actual name of the company or the product I supposedly spent the money on. BoA claims that Fraud is impossible with the chip but everyone I've spoken to on the phone at BoA agrees that someone, say a waiter, could have easily taken my card as payment for a meal and run the charge.
Consumer complaint received 2019-08-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

On XX/XX/XXXX a Writ of Garnishment was obtained by Assett Acceptance on me and my employer, XXXX XXXX XXXX , XXXX. Starting XX/XX/XXXX funds my paycheck were taken and continued for about 6 weeks. Even though I tried to claim the Head of Household Exemption it was denied. After 6 weeks a total of {$800.00} had been held by my employer. And nothing more was taken. On XX/XX/XXXX the XXXX Seventh Circuit Court de solved the Writ for Failure to Proceed. We had heard nothing since then from either the court or Assett Acceptance. After 2 months the {$800.00} was returned to me by my employer. 

On XX/XX/XXXX Assett Acceptance was able to obtain another Writ of Garnishment. I tried to call them and offer to settle for the stated amount of {$1900.00}, but was then informed that I owed over {$3600.00} now because of court costs and filing fees, of which NONE of this is stated anywhere in the new Writ. The ONLY amount stated is {$1900.00}. The person admitted that the original Writ was de solved due to Assett Acceptance 's error. I asked why they never completed the garnishment and was told, " because they can ''. 

Why should I have to be responsible to an error they made resulting in more costs an fees? I feel that they made the error on purpose so they can collect more than what they are entitled to. 

There was no way he would take my offer and told me to talk directly to the court. 

I feel that I am being ripped off for something I had no control over.
Consumer complaint received 2020-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MD)

Good morning, In the month of XXXX I logged into my credit card account with Citibank. 

I noticed that I had a hyperlinked message. 

When I clicked on the message it told me that my XXXX payment had not been made and I was charged a late fee. 

Perplexed because I know that up until XXXX autopay was working and payment was being drafted from my bank to to pay my monthly bill. 

On Friday, XX/XX/2020 I jumped on chat and waited 1.5hrs to chat with a representative. 

To my surprise I was told by the representative from Citibank via chat that the payment was canceled by " me '' via email. 

Knowing that I never requested to cancel my autopay I pressed the representative for further explanation. 

When I pressed him to produce the document or communication that " I '' canceled my own autopay he told me that he couldn't send me documentation only that the system was showing I requested to stop my autopay. 

I want the late fee waived and I want answers how this happened.
Consumer complaint received 2020-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX {$140.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2020-04-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (NY)

Account was opened on XX/XX/2020 but I do not know what account was opened as nothing is shown on my credit cards or in email. There is no number for amount past due. The initial balance went from XXXX to XXXX with no indication of last payment as XXXX I dictated there was no payment made. I received an email today XX/XX/XXXX that I just opened the account without my knowledge.
Consumer complaint received 2020-05-30
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 — Investigation took more than 30 days
Company: Titan Receivables, Inc. (CA)

I have filed a dispute In regards to the incorrect items on my credit report. It has been well over 30 days, and I have not received any investigation results.
Consumer complaint received 2020-04-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

this company reports, withdrawals neg reporting and reports again over and over, many times agreeing to remove, only to report it again, I have sent multiple letters each time and complained here repeatedly, they remove only to report it again, most recently XX/XX/2020 I have shown them over and over that my name or signature is not on this or ever a part of this and they have agreed repeatedly removed and reported again and again
Consumer complaint received 2020-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Opened Bank of America secured card in branch XX/XX/XXXX and put down {$99.00} deposit ; was told by employee opening account that the deposit would be returned and the account would become unsecured no later than XX/XX/XXXX. Account has since remained secured and deposit had yet to be returned to me. Despite multiple attempts to get the issue resolved ( including in person at branch, via the app, and over the phone ), customer service continues to tell me theres nothing that can be done.
Consumer complaint received 2020-04-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

The Debt is over 10 years old. However, the collection agency is stating that I made a payment back in 2016 which they say restarted the time frame that the debt can reflect on my credit. This is definitely inaccurate information. I have requested proof of this payment on numerous occasions and have yet to receive this. The credit report has zero information on when the last payment was made.
Consumer complaint received 2020-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Between XXXX  and TransUnion as well as XXXX XXXX lending as well as XXXX XXXX XXXX XXXX, XXXX and also XXXX XXXX Mortgage XXXX XXXX XXXX ( this is another new name alias ) the level of error over my home is insane. My credit reports are not only contradictory but beyond any logical possible explanation of the errors committed by all of these parties. Anyway, these two also credit bureaus both TransUnion and XXXX  are reflecting non existent accounts and need to be removed immediately for false reporting which is a violation of : 209 CMR 18.21 .... ( 6 ) knowingly and recklessly providing inaccurate information. Both of the " accounts '' need to be removed from my credit history as well as removed from all of the records in the above named businesses. In addition to this mess is an attempt to illegally foreclose on my home with a non existent " account '' Please see all attached.
Consumer complaint received 2020-04-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

The Debt is over 10 years old. However, the collection agency is stating that I made a payment back in 2016 which they say restarted the time frame that the debt can reflect on my credit. This is definitely inaccurate information. I have requested proof of this payment on numerous occasions and have yet to receive this. The credit report has zero information on when the last payment was made.
Consumer complaint received 2020-04-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (TX)

mid west recovery system put a debt on my XXXX  alling and under XXXX XXXX XXXX for XXXX that is not my debt, lately not sure what is happenening i am getting debts on my credit report that belongs to someone else, this carelessness, people should be accuratle putting informaton on the right person file, please take this off, i am fixing my credit and want this removed the address is XXXX XXXX XXXX XXXX XXXX XXXX, missouri, XXXX XXXX  # XXXX XXXX XXXX XXXX. Please have this removed asap. They entered this debt today i try to call today and they hung up on me twice. In the pass you have help me.
Consumer complaint received 2020-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX  XXXX {$760.00} XXXX  XXXX   XXXX {$180.00} XXXX XXXX XXXX {$8300.00} XXXX   XXXX XXXX {$4200.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}