davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frontline Asset Strategies, LLC (MI)

I am the victim of ID Theft. Someone opened a XXXX  account using my personal information. I did not request or authorize this account. The account was sent to a collection agency for an Amount of $ 1,855.97due to non-payment. At the request of XXXX, a police report was uploaded into their portal on XX/XX/2022. We have received verbal confirmation that the fraud team completed their investigation and marked the account fraudulent on the same day. I have not yet received written confirmation of the fraud, and the account has not been pulled back from the collection agency. My advocate has spoken with several XXXX supervisors who have promised to follow up on this issue and have the account pulled back from collections. Two months later, this still has not been done, and the collection agency still has the account in their office.
Consumer complaint received 2022-07-14
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. (CA)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX. XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these account to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$400.00}.
Consumer complaint received 2024-11-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BARCLAYS BANK DELAWARE (OH)

I have been harassed by a lawfirm regarding Barclay but had no knowledge of a 3rd party handling this account. I do not feel comfortable giving out personal information to a company I have no knowledge of handling anything related to Barclay.
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (OH)

Parties involved, GM Finanacial ( GMF ), XXXX XXXX, myself I leased a XXXX XXXX XXXX on XX/XX/XXXX. I made ALL of my payments on time through XX/XX/XXXX. In XXXX, the final month, I decided to PURCHASE the vehicle per the terms of my agreement. I contacted XXXX XXXX, ( XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX ) to help process the lease closeout and purchase. They contacted GMF to obtain all the close-out information. On XX/XX/XXXX, I purchased the car. 

I received a letter shortly thereafter from GMFinancial stating that as of XX/XX/XXXX " the above-referenced vehicle was accepted as a LEASE RETURN. '' No this was not right, it was an end of lease purchase, but I didn't think anything of it at the time. I received a NYS Title dated XX/XX/XXXX with all liens removed. 

I moved shortly thereafter from my address in XXXX NY to XXXX, NY. I received a phone call from GMF on XX/XX/XXXX looking to collect a bill for {$530.00} for which I know nothing about. The agent on the phone told me they were disposition fees and had not received payment. I told her she needed to collect those fees from XXXX XXXX. She stated that I was the leaseholder and I was responsible for payment. ( Hindsight, I assume now she believed that because of the terms of the contract for a lease RETURN. ) She emailed me a copy on XX/XX/XXXX, which was dated XX/XX/XXXX ( XXXX months after my purchase ) and mailed it to my old address ( which did not forward to my new location -that is a PO issue ) I later found out that GM Financial reported this bill as 30 days past due on the credit report for the month of XXXX. 

I contacted XXXX XXXX on XX/XX/XXXX, the same day I spoke with the GMF representative. I sent them a copy of the bill, and THEY paid it. 

This was not my bill to pay and as such should not be recorded as delinquent on my credit. 

I am not sure why GMF listed my car as a return, or why the fees were not processed with XXXX directly and why the fees were processed so late. 

I tried contacting GMF directly, however, the complaint portal states my complaint can not be submitted and to contact Customer Care. When I called Customer Care, they said to use the portal for all issues and hung up. I understand COVID has caused some delays, but I am hoping for a resolution soon. 

I ask that you investigate this issue, and have GMF remove the credit bureau XX/XX/XXXX late payment code. The reporting agency is the only one who can remove this incident from my record. I am asking that you correct it so that I am not facing 7 years of a credit ding for something that was not my fault. 
I appreciate your help with this matter and look forward to hearing from you.
Consumer complaint received 2023-04-25
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. (TX)

I noticed a new credit item on my credit report in early XX/XX/2023. Someone used my information to open an account fraudulently with XXXX XXXX XXXX for a {$720.00} secured loan. I filed a dispute with TransUnion XX/XX/2023, and when the results found the info on my report to be valid, I filed again XX/XX/2023. Same results. I contacted XXXX by phone XX/XX/2023 with instructions to text them for an email to send my issue to. Email sent. Called back XX/XX/2023 after no response and spoke with a gentleman who verbally confirmed I was not the individual that opened the account ( I have a video recording of this call ). Told me to email them again with a copy of my FTC fraud claim report, I did. No response. Emailed again today XX/XX/2023 noting I opened a XXXX complaint after no responses. I discovered today a XXXX phone number and address were added to my credit report the same week the fraud account was opened.
Consumer complaint received 2020-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (SC)

Hi it's XXXX XXXX XXXX XXXX XXXX owner operator Chase Bank the problem is pretty much what you questioned me about within the intake I am not able to handle or manage the account wuthin the fact that the representative are not following or processing or making correct decisions based on the checking account policy and regulations I'm filing claims on every transaction I make I don't have access to all my accounts I have to call to access or switch to link clean it card from one check account to the next and ACH transactions procedures or agreement is not followed ... my investment account is on hold by one of the representative which happened in the past when I was in XXXX XXXX..ok my primary office is in XXXX California where I do mist of my primary broker work broker # non-disclosed XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-29
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)

In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX  XXXX XXXX XXXX15 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 2020-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

XX/XX/2020 two separate unauthorized charges of {$4000.00} and {$840.00} plus an additional {$140.00} for foreign exchange fees were deducted from Citizens Bank account. These charges were from a website based in XXXX and a store based in XXXX respectively. That same day I went to my email from the bank and clicked on the option that " one or more of these charges are not authorized '' and then contacted the bank immediately after to file a fraud complaint and was assured that it would be handled and I would not be responsible for the unauthorized charges. I received a case number and was told it shouldn't take more than 7 to 10 business to have the money credited back to my account even though the actual investigation may take months. I received a new debit card and decreased the amount allowed to be charged in a day. XX/XX/2020 I received 2 letters dated XX/XX/2020 stating that there was no error and the money was not posted to my account and they would not be crediting my account back the money that was stolen. I have never shopped at any of these locations and based on my history my spending is done with a few trusted places that I have used frequently and for much smaller amounts. Since then I have not used my card for fear that another theft will happen and my bank will not do anything to help/protect me.
Consumer complaint received 2020-07-07
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (TX)

To Whom this may concern, While reviewing my credit report on XX/XX/2020, I noticed an incorrect and fraudulent collection account from National Credit Adjusters. I reached out to this institution via phone # ( XXXX ) XXXX twice on XX/XX/2020. I advised the rep I do not have an account with National Credit Adjusters and do not agree to debt. I advised I have no knowledge of this account nor have I done any business with this company. I explained that I do not have a signed and dated agreement from National Credit Adjusters. I am requesting you to provide validation for this debt. In addition, under the FDCPA, you are also to cease and desist from contacting me regarding this matter unless it is by the United States Mail. This Agency has called my phone numerous times harassing me for an account that I do not owe. I have also attached an identity theft report to reflect this fraudulently charge
Consumer complaint received 2024-12-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada) (NV)

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputing Information in Credit Report Account : XXXX I am writing to dispute the following information that XXXX XXXX XXXX have attached to my credit report. Enclosed are copies of police report for identity theft. Please reinvestigate this matter to have them delete this account as soon as possible. 

Please reply within the time limits as stated by the FCRA or delete the data which appears on my credit report Sincerely, XXXX XXXX Enclosures : Police Report
Consumer complaint received 2020-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I have a Capital One Venture Card. On XX/XX/2020 I was charged a annual fee of {$95.00}. After I discovered the annual fee, I called customer service on XX/XX/2020 to cancelled the card. At the time the customer representative convinced me to downgrade to another Venture Card so that I won't get charge on the fees and told me that fee would have been waived. 

When I check my statement in XX/XX/2020 I still see I carry the annual fee. On top of that I am being charged interest of {$2.00} per month since then for the annual fee, totaling {$10.00}. 

I called them today XX/XX/2020. I requested for supervisor who is Senior Account superior. Basically she told me that me that that don't waive annual fees. Had I known that I would have just close the account all together.
Consumer complaint received 2021-11-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (MI)

Hello, On XX/XX/2021, I opened a XXXX XXXX  Everyday Checking account ending in XXXX and deposited {XXXX} to fund this account. During the qualification period I only deposited {$XXXX as I considered the {XXXX} I funded the account with would count toward the {XXXX} qualifying direct deposit promotion requirement. I have since learned I was wrong. 

My husband ( XXXX XXXX ) did the exact same thing. Subsequently, my husband reached out to XXXX XXXX through the XXXX and XXXX XXXX resolved the matter by applying a {XXXX customer appreciation deposit to his account on XX/XX/2021. XXXX XXXX ( XXXX XXXX - XXXX XXXX XXXX XXXX ) resolved his concern in a fair manner which we both appreciated - Thank you XXXX! 

With this being said, I am requesting the same resolution my husband received. Our issues are identical in nature. Attached is the letter from XXXX XXXX detailing his resolution. 

Thank you very much for your time and assistance.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

I am writing to you once again regarding the unauthorized credit inquiries that still appear on my credit report. As a consumer, I am entitled to accurate information reported about me under the Fair Credit Reporting Act ( FCRA ). Despite my previous dispute and my request for an investigation into these inquiries under Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ) of the FCRA, I have yet to receive a satisfactory resolution or sufficient documentation justifying the presence of these inquiries on my credit report.

Disputed Inquiries :
Consumer complaint received 2024-12-06
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC (CA)

After verbal requests were ignored, I sent written requests XX/XX/XXXX, attached. 

Shellpoint bought SLS XX/XX/XXXX and my request were sent to them also. I have received 6 boiler plate " acknowledgement '' letters and 12 email acknowledgements, since XX/XX/XXXX. 

XX/XX/XXXX I phoned, XXXX XXXX said escrow would be removed in 5-7 business days. Nothing happened. 

The phone service is useless, it generally ends with a disconnect after long waits. 
I paid both prop tax payments XX/XX/XXXX for XXXX and notified them but they paid a 3rd payment and continue to require that I make escrow payments. 

Records of all the above are available upon your request. 

Please help, this company is dangerously out of compliance
Consumer complaint received 2021-03-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (HI)

I send money via Western Union app on XX/XX/XXXX to my nephew XXXX XXXX XXXX in Delaware. He didn't pick it up then. I called Western Union last year for a refund and an agent told me that they can refund it to the debit card that I used to send the money on the app. He advised me that it's best to have my nephew pick it up because I no longer have the card I used to send the money. 
On Saturday XX/XX/XXXX my nephew went to pick up the money. He was told that the XXXX number XXXX is invalid. 
I called Western Union and spoke to an agent, a Supervisor and a Manager. The Manager told me that it would take 48 hours for the money to be available at a Western union location. She will call and email when the money is available for pickup at a Western union location. Yesterday, XX/XX/XXXX I called Western union again because I haven't heard from anyone at Western union. After given the run around at almost 2 and half hours I was finally connected to a manager that told me that they can't send the money to my nephew, instead Western union will send me a XXXX  number that I could use to pickup my refund BUT it would take 24 hours. He will call me and email me with the number. I haven't heard from anyone today.

I called Western union again and spoke to an agent that remember speaking with me on Saturday. After I gave him my Case No. Of XXXX i was told that a Manager is not available and will have one call me when a manager is available. He also apologized because he doesn't know why it was taken so long to have the issue resolved. This is ridiculous and all I need is to have the money available to my nephew.
Consumer complaint received 2020-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (TX)

On XX/XX/2020 my placed an over the phone payment for my home mortgage with US Bank. Unlike previous payments we used my wife 's bank account with XXXX XXXX XXXX. At this time we thought everything was fine as the payment over the phone seemed to be ok on the automated system. On rough ; y XX/XX/XXXX I received a letter from US bank stating that our payment was past due and had been reported to the credit. Upon researching what had occurred we found that due to my wife 's XXXX she had used the wrong number for her account. We have reached out to US bank numerous times and have been told there is nothing they can do to help as it is factual that the payment was late. It was only late due to an error caused by XXXX. This is unfair and punishing us due to my wife 's XXXX. I have been advised by credit repair agencies that mortgage companies can work with people, usually by stating " I you make X number of on time in full payments we will rescind the report '' US bank had refused any such arrangement or other arrangement stating there is nothing that they can do. We are being punished because of my wife 's XXXX.
Consumer complaint received 2020-07-07
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: Experian Information Solutions Inc. (NV)

The complaint is against Experian Credit reporting company, I have disputed the account with these people numerous times to no avail. The account XXXX XXXX XXXX  was opened in XXXX and I was working in the State of XXXX and have had my personal info hacked thru the U.S. Government who monitors my credit. 

Also this is in violation of Nevada Revised Statutes of which I am a resident of.
Consumer complaint received 2020-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (FL)

This is for my wife, English is not her first language. 
She has banked with Wells Fargo for many years and keeps sizable deposit amounts with the bank. Wells Fargo always has people from their branches or other departments calling her in XXXX trying to pitch her extra services, wealth management, investments, etc., but it's not a service she wants, we do that elsewhere. 
My wife has also been a holder of XXXX XXXX XXXX XXXX XXXX credit cards ( two -- one business and one personal ), with the personal card being over 15 years, her longest credit history in the US. When used, those cards are paid off in full. 
In early XXXX, we received a notice that her personal XXXX card was closed because of denied payment having been received twice XXXX or more ). We were shocked, and assumed it was XXXX 's fault because those cards are set to autpay. XXXX said that the auto-draft payments were being denied by Wells Fargo, which we couldn't understand why. 
Then we began calling Wells Fargo to see what happened, these were extremely long calls, being passed form person to person. What we found out is shocking and quite frankly unbelievable, even to the Wells Fargo people on the phone who finally realized what occurred. 
So, rewind back to one of those Wells Fargo " Wealth Management '' solicitation calls to my wife earlier this year, upon discussion with the Wells Fargo people on the phone trying to determine what happened, my wife said one of the " Wealth Management '' ladies who called her said she had some helpful advice to bring to my wife 's attention, that she was paying the same credit card twice, and would my wife like to have her stop this unnecessary duplicative payment. My wife said sure, really in an attempt to get her off the phone and stop annoying her with the calls. It turns out that the Wells Fargo actions blocked all electronic debits/ACH, which then stopped my wife 's automatic bill pay set within XXXX 's website. From the Wells Fargo side, there was a monthly {$35.00} paper check being mailed by Wells Fargo ( which didn't even show in our bill pay area of the account, they speculate that it was set before some online upgrade that Wells Fargo did a decade ago, and just no longer showed on the customer facing side, and in fact it didnt even show on the front line customer service screens at Wells Fargo, only the Bill Pay specialists could find it ). 
So the ever-so-helpful " Wealth Management '' person had blocked all electronic debits by XXXX, thereby causing my wife 's account to go into violation, and XXXX subsequently shutting both accounts down. This is and will continue to have negative consequences, and XXXX said the only thing that can be done is for Wells Fargo to send XXXX a letter explaining what happened and indicating it's no fault of the customer.