davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-01
Product: Credit reporting 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)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-10-27
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. (TX)

Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.
Consumer complaint received 2023-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (PA)

A check for the amount of {$23000.00} was mailed to our local school tax office ( XXXX School District ) via USPS in XXXX. After noticing that the check was not deposited, I called the tax office to confirm they had received it, and they said they had not. That same day, an unknown individual cashed the check I had mailed to them, washed the PAYEE name ( originallly XXXX School District ) and replaced it with " XXXX XXXX XXXX XXXX XXXX and cashed it for themselves, apparently ( according to Wells Fargo XXXX at a XXXX bank location. 

I immediately filed a dispute claim ( XXXX ) with Wells Fargo ( on XX/XX/23 ), and was told that it would be resolved and my funds returned within 10 business days. On XXXX, I went to our local Wells Fargo bank location to inquire about filing a police report for the incident ( which I did ). The banker I spoke with reviewed all of the evidence I had, and let me know that there would not be any issue confirming that this was a fraudulent transaction. She added all of the notes and evidence to the claim, and provided me a number to call to check in on the status. She also informed me that she had another customer provide evidence of an incicident of check fraud with the exact same behavior and handwriting the very same day I was there. The police officer who took my report mentioned that there were 3 similar bank fraud police reports submitted in the previous 24 hours as well. 

I called Wells Fargo multiple times to request an update but was told that I needed to wait 10 business days for a resolution. When I called to check in on the claim status on XX/XX/23, I was informed that my original claim was closed, but a new claim ( # XXXX ) was open opened with their fraud investigation team on XX/XX/23 ( without any notification to me ). I was told that the original promise of resolving the issue within 10 business days was now reset when they opened a new claim. The rep I spoke with offered to " escalate '' the claim to ensure it was resolved in 24-38 hours. 

After waiting 5 days, without any funds refunded to my account, I called the Wells Fargo Fraud hotline tonight ( XX/XX/23 ), and was a told that the new claim ( # XXXX ) was resolved and " Denied ''. They claimed the issue was with XXXX, the bank that accepted and cashed the check, not Wells Fargo that dispursed the funds. 

I will supposedly have a call from their escalation team within the next 1-2 business days to discuss the reasoning for this matter, but I have little hope at this point that this will be resolved without legal action.
Consumer complaint received 2024-11-01
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)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (SC)

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX  FUNDING Address : XXXXXXXX XXXX XXXXXXXX Account number : XXXX XXXX XXXX : XXXX XXXX XXXX  address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Dear LVNV I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (AL)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment : XXXX XXXX XXXX XXXX XXXX Bankruptcy XX/XX/XXXX XXXX XXXX Bankruptcy Court Chapter XXXX Bankruptcy XX/XX/XXXX XXXX XXXX XXXX XXXX  AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : XXXX XXXX XXXX XXXX, AL XXXX Previous XXXX ( es ) : XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX ( es ) : XXXX XXXX XXXX XXXX, AL XXXX Previous XXXX ( es ) : XXXX XXXX XXXX XXXX XXXX, AL XXXX Previous XXXX ( es ) : XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX ( es ) : XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX Previous Address XXXX es ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AL XXXX XX/XX/XXXX Current Address ( XXXX ) : XXXX XXXX XXXX XXXX  XXXX, AL XXXX XX/XX/XXXX Also Known As XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX
Consumer complaint received 2024-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: GOLDMAN SACHS BANK USA (CO)

I previously submitted a complaint on XX/XX/year> but you deleted it. 

Goldman Sachs Bank/Apple Card refuses to send me my replacement card in an envelope. They send their credit cards in fancy boxes. I can not receive boxes. They sent the card in a box and it was returned by the mail clerk because it was in a box. 

I reached out to them on XX/XX/year> and they refused to send the card to me in an envelope. I asked for a supervisor and was told that one wasn't available but that one could call me back within 10 days. No one ever called me back. 

I reached out to them again today XX/XX/year>. I was escalated to a 2nd level supervisor who lied and said that someone called me on XX/XX/year>. No one called me. No one called and left a voicemail. No one called. No one emailed me. No one mailed me a letter. 

The only option provided to me was to completely change the address on the account to a different address. I do not want to change the address on my account ( even temporarily ). If my address changes it will be sent to the credit reporting agencies which will cause future confusion with creditors and may even possibly lower my score.

They are supposed to respond to the complaint within 15 days. Today is the XXXX day. All that the 3rd level Goldman Sachs Bank USA supervisor says is that " it is being looked into ''. They refuse to provide me with a solution or a date by which a solution will be provided. Only that it is " being looked into '' and that maybe they will be done looking into it within a few weeks. Meanwhile, my card expires on XX/XX/year>. 

The 3rd level supervisor tried to convince me that I don't really need a physical credit card to get this issue off of their plate. Not true! Not all merchants accept Apple Pay. 

I SHOULD NOT HAVE TO CHANGE MY ADDRESS TO RECEIVE MY REPLACEMENT CREDIT CARD! 

Please see confirmation of the original complaint filed on XX/XX/year> that has disappeared from my account.
Consumer complaint received 2024-10-17
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (CA)

Santader Consumer USA double charged me for the month of XX/XX/year>, so I disputed the double charge with my bank. Now Santander Consumer USA is claiming I am past due on my car note. I have bank records showing the double charge and have sent this to them, but they are still giving me the run around saying they do not see the payments for XXXX.
Consumer complaint received 2024-10-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IN)

LVNV funding is listed as the original creditor on a collections account on my credit report. I have never opened an account with them. They have failed to ever provide me with the original contract with my signature stating that I ever agreed into any payment agreement or have ever opened any account with them. If they are collecting on behalf of another company then they have now inaccurately reported on my credit report by listing themselves ( LVNV Funding ) as the original creditor, and not who their collecting on behalf of as the original creditor. Due to these inconsistencies, I want this derogatory remark completely and immediately permanently removed from my report.
Consumer complaint received 2024-10-24
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: JPMORGAN CHASE & CO. (CA)

Chase bank, my late brother had a mortgage with Chase and when he died I sold his house. Im the executor of his will. Chase bank has XXXX dollars belonging to me. I have tried for 7 months to get a check from them and they just ignore me or give me the run around.
Consumer complaint received 2024-10-16
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC. (CA)

On XX/XX/year>, an unauthorized transaction of {$1000.00} through XXXX was completed and reported to SoFi Banking. 
On XX/XX/year>, an unauthorized transaction of {$990.00} through XXXX was completed and reported to SoFi Banking.

After only two days, my report for fraud in the amount of {$990.00} was denied. Banking management advised me to appeal and request documentation. Upon follow-up, I discovered that a report of fraud that occurred on XX/XX/year> was never taken. Banking Management took my complaint and issued a fraud report. Two days later, I received an email stating my claim was denied. I appealed and requested documentation used to determine their outcome. 
Additionally, I completed a police report with the XXXX Police Department.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/year>2024. I call Wells Fargo and closed my credit account dur to hardship. I was assisted with setting up auto pay for the account and have payments taking out the account monthly. We discuss the status of the account and how much I can pay etc. We came to an amount of {$220.00}. We discussed that this was best choice for this account. Discussed this will not be reported late, will pay less interest etc. The money was set to begin being pulled on XX/XX/year>2024. I spoke with the rep and was assured this payment arrangement is fine, no pate payments would happen, account would report satisfied and paying on time. On XX/XX/year>2024 I get an update that Wells Fargo has reported this late 30 days. Again, why?? I was assured this wouldn't happen, the payment could have been made on XX/XX/year>2024 but was assured not necessary and beginning on XX/XX/year>2024 would be fine and safe. Please HELP FIX THIS. THIS HAS IMPACTEE MY CREDIT AGAIN. The autopay was to prevent this from happening, this is not correct or fair. Called XX/XX/year>2024. Spoke with 2 reps of which, XXXX presented as team lead and was argumentative, rude, very bothered and poor/horrible customer services skills and deserves to be FIRED!! I hope they go pull all the tapes and listen, especially when setting up this account and hold your staff accountable for this huge costly ERROR.
Consumer complaint received 2024-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (MA)

I opened the US bank Skypass Visa Signature Card on XXXX with the offer of XXXX miles after spending {$4000.00}. I completed spending {$4000.00} in XXXX, but didn't receive bonus miles. I asked the US Bank why I didn't get the bonus miles even though I met the conditions. Their response was that it was because I had receive a bonus mile with another Skypass Visa Signature Card within the past 5 years, which was not in the term when I open the card in XXXX. As far as I know, this requirment ( 5 year rule ) was new since XXXX.
Consumer complaint received 2024-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (TX)

The amount under dispute is {$280.00} on XX/XX/2024 from XXXX, XXXX XXXX XXXX. Both XXXX and Discover  are telling me that the charge is NOT fraudulent and that I am responsible for the purchase. Responsible for a purchase I never authorized. I opened two investigations with Discover from XXXX to XXXX, as well as XXXX to XXXX of 2024. They told me XXXX XXXX  was able to provide proof that I made the purchase. Meanwhile, XXXX and XXXX XXXX, on the other hand, are not able to find the information.
Consumer complaint received 2024-10-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (IL)

This company is violating my consumer rights by using false misleading information, misrepresentation, and deceptive means. have made a number of attempts to fix issue directly and they are violating my rights which would amount to {$1000.00} for each violation, I demand they pay me or delete these accounts ASAP.
Consumer complaint received 2024-10-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Revolut Technologies Inc. (OH)

I'm a student that attends to XXXX XXXX XXXX XXXX XXXX. I was getting a XXXX stipend check wired to my REVOLT BANK ACCOUNT WITH IS OPERATED BY XXXXXXXX XXXX. My school account is with XXXX XXXX XXXXXXXX. My school wired the funds of {$3900.00} to my REVOLT account on XX/XX/year> with the arrival date of XX/XX/year> to my account. I never received my fund at all. My school gave me there official document of the wire transfer and it shows on the statues CONFIRMED FROM BANK. But I never received any funds. I know revolt has my money but refuse to send me my wire transfer. I gave revolt all the official documents that shows proof of transfer was sent and granted but they keep telling me they don't see the wire. This really hurts my heart because I need the money for bills I'm a hardship student and this effects me and my schooling. The customer service representative told me they having problem with usd wire transfer only and one fixed my deposit will come to my account but it never came still. When I wrote them to let them know someone else said they don't see no transfer wire after the last representative said they did
Consumer complaint received 2024-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

Someone was able to access my Chase accounts over the phone. They added an authorized user. They were able to get my credit card numbers and make fraudulent purchases. Apparently they were able to change the mailing address and have card sent to them. The actual fraud was committed Using a digital wallet I believe. This was done for several credit cards. I was told someone was able to log into my account from out of state. As I begin to get Information the call was disconnected and no one called me back. I want to ask that it would be investigated if a Chase employee was involved.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I requested via telephone and certified letters full validation and assignment contract. I did not received anything I requested
Consumer complaint received 2024-10-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (MI)

I am writing to formally file a complaint regarding a debt that has been incorrectly attributed to me and is being improperly reported on my credit report by Resurgent/LVNV Funding. This complaint concerns a case of identity theft and the failure of Resurgent/LVNV Funding to properly verify the ownership of the debt before reporting it. The key facts of the situation are as follows : The debt in question was originally held by Account Number : XXXX Original Creditor : XXXX XXXX XXXX., which they charged off and subsequently closed. Afterward, Account Number : XXXX Original Creditor : XXXX XXXX XXXX  sold the debt to Resurgent/LVNV Funding, a debt buyer. Despite the fact that Account Number : XXXX Original Creditor : XXXX XXXX XXXX had charged off and closed the account, Resurgent/LVNV Funding is now reporting the debt as open and active on my credit report. I requested debt validation from Resurgent/LVNV Funding, and they failed to provide any sufficient proof that this debt belongs to me. It appears that Resurgent/LVNV Funding simply relied on information provided by Account Number : XXXX Original Creditor : XXXX XXXX XXXX without conducting a proper investigation to verify my identity or my involvement with this debt. After careful review, I believe this debt has been incorrectly assigned to me due to identity theft, as I have no knowledge or record of this account. As a result, Resurgent/LVNV Funding is reporting this debt on my credit report, which has caused significant damage to my credit score and has led to undue stress. I have made multiple attempts to resolve this matter directly with them, but they have not provided adequate evidence that I am the rightful owner of this debt. In light of the above, I respectfully request the following : The immediate cessation of all collection activities related to this debt by Resurgent/LVNV Funding, as required under the Fair Debt Collection Practices Act ( FDCPA ) when a debt is disputed and identity theft is alleged. A thorough investigation into the validity of this debt, ensuring that Resurgent/LVNV Funding follows the proper procedures to validate the debt before reporting it on my credit report. Assistance in correcting my credit report, ensuring that the wrongful information reported by Resurgent/LVNV Funding is removed. I have attached relevant documentation, including my request for debt validation, correspondence with Resurgent/LVNV Funding.