davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pressler & Pressler, LLP (NJ)

My account was placed with a Company named Pressler and Pressler in XXXX NJ. I owed a bill from XXXX back in XXXX. Pressler and Pressler bought the account off XXXX and then reached out to me regarding a past due balance I owed. However after many years of the back and forth they reached out to my Employer for a Wage Garnishment which took effect on XX/XX/XXXX and every 2 weeks moving forward 10 % of my income would be deducted from my pay until the Balance was paid in full. Up until today 's date XX/XX/XXXX the balance owed is/was {$680.00}. On Friday XX/XX/XXXX Pressler had a Bank Levy put on my account and withdrew {$1200.00} and a {$120.00} processing fee. After contacting Pressler on the same day of XX/XX/XXXX and speaking with a Gentleman, he told me that I owed the account for years and that the Levy was placed because no payment or agreements were made. I explained to him that I had proof from my Payroll company that payments were in fact being made and I could provide proof if needed. He informed me that being the account was owed for years and since the Bank Levy took place already that if there was anything they could do it would be to subtract what I made in payments once verified or they would continue with the Garnishment and send me back all of the {$1200.00}. but more then likely it would be to send me the difference of what was withdrawn from my Account. He said he would call me back by XXXX the same day and no one has yet to contact me. I have yet to hear back them or receive any monies back in my account and due to this unnecessary Bank Levy they put on my account it has caused my rent to be late, bills to be late and my Checking Account to be overdrawn with overdrafts fees that I am accumulating from things coming back and not being paid and has caused me great financial burden and stress as I have XXXX children to take care of due to what this Company has done.
Consumer complaint received 2022-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/22 I filed a dispute with Wells Fargo Claim # XXXX and claim was denied with the reason stated was these were pin transactions but only 2 happen to be pin transactions and the rest are same companies that Wells Fargo paid on another claim. Tried to resubmit claim and i can not because it states that these transactions have already been disputed. 

Example : Claim # XXXX XXXX and XXXX XXXX transactions were credited back to me but on Claim # XXXX same merchants XXXX XXXX XXXX XXXX was deemed a pin transaction and denied. This was not a pin transaction.
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

This complaint is against XXXX XXXX XXXX ( XXXX ).  On Monday, XX/XX/XXXX I received an alert from experian that my credit score had decreased. Upon checking, it said XXXX University had reported late payments. I was not sure what this was about. After much investigation on my own end, I realised that XXXX University held my Federal Perkins loans. When I graduated last year and I sat down with my financial/loan adviser at school  I was told all my loans were serviced by XXXX. I have been in touch with this servicer and was advised that payments are suspended and interest accrued is 0 % during these difficult times. I believe this to apply across board, including to my Perkins loans. Upon realising that XXXX University is a servicer, I contacted them via phone and email, but to no avail. I wanted to know how to pay the amount due, how to process this report, and just any help to get some answers, but no one returned my calls or responded to my email. Moreover, before reporting me to the credit bureau for late payments they did not as much as send me an email telling me that my payment is due, or that I am in repayment. There was literally no way for me to know this information, other than me spending hours trying to figure this out after my credit has been ruined.I ended reporting XXXX University  in order to rectify this situation. 
This Monday I received an email from XXXX University  where I was informed that XXXX is my loan servicer for the Perkins Loan and I should contact them. 
Upon calling XXXX  I am told that they were mailing notices to an address on file from ten years ago, which is not even in the USA -although they did have my current mailing address on file. Not only this, they also did not apply the three month forbearance due to COVID-19 to my loan which puts my first payment due in XXXX. So not only was I NOT late on any payments, I was also wrongly reported. When I asked them to fix this situation, they asked me to dispute it with a credit bureau and told me they couldn't fix it on their end -although they had ruined my credit by inaccurate reporting.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX. I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2021-02-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

THIS IS AN ADDENDUM/CORRECTION TO MY COMPLAINT # XXXX WHICH INDICATED THE WRONG SAVING ACCOUNT #. THE CORRECTED ACCOUNT NUMBER IS REFERENCED IN STEP # 4. 
IN ADDITION, XXXX POLICE REPORT/COMPLAINT # : XXXX was filed XX/XX/21. 
Citibank , N.A . failed to safeguard my funds in my Savings Plus account. My account was hacked on XX/XX/21 ( probably on XX/XX/21 ) as I was able to see the unauthorized ACH debit posted to an unknown account/person ( XXXX ) in the amount of {$19000.00}. 
I was shocked and immediately tried to report the fraud to Citibank and was sent to XXXX representative XXXX ID # : XXXX and explained what I saw and asked to report this as fraud/hacking. After several transfers and was unable to hear clearly I asked for a US representative in the Fraud department. I was told these funds were completely gone and the ACH transferred without any red flag alert, security check or confirmation that this large transfer was never my habit in 39 years of banking with Citibank. They did not transfer money in increments, but in less than overnight-they fully completed this fraudulent transaction. I was asked if I wanted to dispute and then assigned CASE ID # : XXXX. 
It has been my clear pattern and habit to transfer any funds from savings into checking before executing an ACH Debit. They said all that was needed to execute this fraud was my name, routing number and account number. This was very alarming, but they did not seem to want to expedite this matter until I asked to speak to a supervisor. Supervisor XXXX ID # : XXXX then expedited this to Citibank 's PECS Department which is internal, back office and I am not able to contact them directly. I have still not been given provisional credit or return of my funds and they only will say their investigation is " ongoing '' while I can not use my funds which I need now very much.
Consumer complaint received 2021-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (TX)

Someone stole my identity to get a car loan with XXXX XXXX XXXX for XXXX XXXX dollars and it has now been passed down to Jefferson Capital sy for collection. When i have informed them the account is fraudulent and i did not authorize the account.
Consumer complaint received 2024-10-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (PA)

I

want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2019-02-15
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (CA)

On XX/XX/XXXX, I was making a purchase at XXXX XXXX. The total charge was {$50.00}. I initially tried to pay by XXXX XXXX credit card. The new cashier in training told me she could not process my credit card and asked me to pay cash. I then paid {$60.00} in cash and I got {$10.00} for change. 


After two months, I got a bill stating I owe {$78.00} including the late fee. That means I was charged twice on XX/XX/XXXX and I paid twice ( XXXX credit card and my cash ) for the same items.I did not even got the first bill of {$50.00} in the first place. 


Since I have already paid the items by cash, I am not responsible for the {$78.00} card payment. I called XXXX XXXX and filed a dispute. I was told I would not be charged the interest during the investigation. I faxed my letter explaining the situation and faxed a copy of the receipts. 


However, I got three letters today on XX/XX/XXXX from XXXX XXXX. The first one stated they got my request for the dispute. The second one I got was asking me to call them to provide further info. The third one was the statement asking me to pay {$110.00} now including the additional late fee again. I called XXXX XXXX   again and the representative twisted the story. She said the cash payment was cancelled and the credit card was charged. I discussed about the receipts I sent them earlier by fax but the info was ignored. 


Therefore, pls follow up and waive all the charges and fees.
Consumer complaint received 2022-03-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (WA)

XXXX XXXX, 2020 Pending XXXX PAYMENT TO XXXX XXXX- {$93.00} XXXX account : XXXX XXXX, XXXX My Chase checking account was scammed {$93.00} to the fraudster. I realized immediately it after sending the money and tried to contact the Chase bank, by BOTH phone call AND secure message. The message received no instant reply, obviously. 

The scam happened on Saturday night and the Fraud department was 'out of business hour '. Although regular customer service is available on the next morning, they can do nothing about this. Was finally able to get in contact with the Fraud dept. in the early Monday morning. The representative talked in an indifferent tone and sounds reluctant to help. Requested to get the scammer 's bank information to investigate for myself, and was rejected. 

Couple of days received a canned response letter saying 'As we discussed and agreed, no action will be taken '. Well I never 'agreed ' on something like that. 

Money is no big deal ; at least Chase should report or help put the suspect under spotlight to prevent potential losses of other customers. But they replied 'no actions will be taken '. 

Been a Chase customer for years with regular direct deposit and tens of thousands of savings and lots of credit cards. And for the same kind of cases, I heard there WERE banks that were proactively reaching out to help and willing to compensate their customers. If you are looking for banks that really care about customers, look somewhere else.
Consumer complaint received 2022-03-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (UT)

My mother in law purchased 6 {$250.00} giftcards for XXXX. In XXXX I went to activate my card and check the balance, {$240.00} or the {$250.00} had been used to make purchases in California. I am located in Utah. 

I called the company that issued the card " Prepaidgiftbalance.com '' and spend 1 hour and 30 minutes on hold. The person I initially talked to " passed '' me to a second person - that took an additional 30 minutes on hold to speak to. So I held for 2 hours. 

This person took my information and promised to send an " arbitration form '' - and that it would be mailed the next day. I did receive the form but the form stated I had 10 days from the date on the letter to file a complaint or my complaint would become invalid. By the time I got the form, I had ONE DAY to send in. I completed the form, faxed and sent by certified mail and I have not recived a replacement card or any correspondence from XXXX. 

Looking on line, there are literally THOUSANDS of complaints against this company for fraud, so many that I am astounded they're still operating. I think US Bank actually is the owner of these cards, and I can not believe US Bank is okay with this. But I guess it's all about how much they make. In this case, US BANK has stolen {$1200.00} of my mother in laws money and made it almost impossible for any kind of recourse. 

My next point is if XXXX is legit, how did ALL 6 of the card my XXXX in XXXX bought all have fraud on them - I'll tell you why. Someone is leaking the card numbers to their friends who work at XXXX and other retail stores. This wasn't some random " your card was compromised '' this is theft. It's THEFT from US BANK and from XXXX.
Consumer complaint received 2020-03-28
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: ENCORE CAPITAL GROUP INC. (TX)

Midland Funding, are very unknowledgeable and weren't even able to explain why they are on my Report and said they couldn't remove it. They are on there 3 different times, remove Immediately
Consumer complaint received 2022-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

Overpayment of {$14000.00} dollars made to Citi Card on XXXX, 2022. We immediately called and they said they would issue a check. We never received check. I have called every two days to see when our money would be transferred back to our checking account. They took router and checking account number 3 times. I have been told repeatedly that this needs to be approved even though it has been approved several times. 
I contacted XXXX XXXX, XXXX  of Citi. No response from her. When I called to check about refund again they said executive is handling and will be in touch. After 4 days of no calls I contacted Citi again. I had to go through the ranks to get to executive dept. i was told it is being held up for approval. They said that I will have an answer no later than XX/XX/2022. This has gone on for to long. 
I am always promised a return phone call and it never happens. Spoke with XXXX today and she said she will be back in touch by no later than XXXX. I really do not expect a phone call back since no one has wver returned my call except XXXX who said the money would be in our account in three to five days. Needless to say no money put back in our account. 
I even contacted Chairman of the Board XXXX XXXX by email today.
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have been trying to have a fraudulent account from XXXX deleted from my credit report with Equifax for years now ( XXXX XXXX XXXX account # XXXX ) I have sent numerous letters asking for this account to be investigated and if verified show proof of their right to post this account on my credit report ( my last letter was file # XXXX on XX/XX/XXXX. ) I have showed indisputable proof from the IRS and Social Security Office that this account is not mine. I have also showed proof that another Credit Bureau has deleted this account as they could not verify its accuracy. In all cases Equifax has responded with a generic response that the account was verified. They verified it without showing how they investigated or proof of their verification, even though i have requested to see this information and its what the law says they must do. XXXX  continues to violate my rights as a consumer to have an accurate credit file, and must show proof that they have the right to have this fraudulent account on my credit report.
Consumer complaint received 2019-02-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (LA)

I don't even remember the dates but they keep threatening and harassing me. I'm not even sure of the amount. It was over 5 years ago and they took unauthorized money out of my account which after I had to close the account to stop from getting charged by my bank.
Consumer complaint received 2022-03-11
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (CA)

Hello, I had a leased vehicle with Ally Auto and I transferred it to another person last month. At the time of transfer I specifically confirmed that I will no longer get billed for the vehicle from the next month onwards. My account was on XXXX XXXX where my savings account would get debited, and the agent said I will no longer be billed. 

This month my savings account got debited and when I called in Ally said they can't reverse the payment! They said it was my responsibility to cancel the XXXX! I no longer have access to the account so I don't know how to cancel anyway. 

I complained that why are they sending a bill to my account anyway when XXXX mo longer have business with them! They refused to take my complaint as well. 

This is my savings account and I needed the fund to make a purchase towards my house and now I don't have enough funds to do the transaction! 

They are asking me to contact my bank to stop the payment! This is illegal.
Consumer complaint received 2021-08-04
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. (AZ)

I had called equifax was on the phone for about 35 minutes going back in forth with the agent I had asked if they had any written concent from me the consumer to furnish all these accounts she checked my file then told me there was no such file. So I said why are these alleged obligations furnished on my consumer report with out my written concent? She said we got your information from creditors I said so your also sharing my information with out the consumers request and you furnished alleged obligations on my consumer report knowing they are alleged and not true. She then goes on to say its a data base and they just go on automatic. I said I'm demanding deletions of all these accounts as to 15 usc 1681 b ( 2 ) you guys never had my written instruction to furnish these on my report with out the concent of me the consumer. She said she can not delete them and I would have to talk with the creditor who gave my information to them before they can delete anything. Equifax is furnishing on my consumer report on alleged obligation to debts that are not mine. I then went on to say I do not own my social security number im just a iminister agent that card belongs to the social security administration i have to give it back at there request. I do not own it and I do not own any of these debts attached to it 15 usc 1602. Only me the consumer can validate any debt nobody but me and these are all alleged debts. Then went on to tell them yoy guys are civilly reliable according to 15 usc 1681 n and that reporting is voluntary and not mandatory. They pretty much said I have only the power to dispute such allegations and they are going against my consumer rights and they need to be held accountable I've been violated on these alleged aligations and demand deletions and remedy for my troubles as a consumer and original creditor. I have the recorded call
Consumer complaint received 2020-06-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (TX)

The debt collector, ERC, claims that I owe {$200.00} from XXXX XXXX XXXX XXXX. This continues to impact my credit score monthly. I have asked them to provide documentation from the original creditor about this debt and have not received any. This account was closed and the amount was charged off over 3 years ago.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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.