davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

I keep being told the incorrect and derogatory information being reported by Chex Systems is correct and verified, even though the XXXX Bank XXXX XXXX was still investigating and had yet to complete their research/investigation. On my Chex systems credit file and report, its showing that I was committing checking account fraud. I contacted bank XXXX XXXX and ask that they update my account internally and with the credit/consumer reporting agencies. I was told I have to contact them personally. I have written multiple letters to Chex Systems providing proof that I did non of the transactions and I have no knowledge of them. Chex systems keeps informing me that the information is correct and verified, without doing a full and proper investigation or showing me any proof of validation. Either way I keep getting the runaround. I asked for details, example the name of the person they spoke to while investigating, proof bearing my wet ink signature or any documents and up to this day ( XX/XX/2023 ), they have not provided me with anything. Under the FRCA I asked them to remove all unverified, derogatory information from my report being they can not provide any documented or verifiable proof, they have not done that either. Due to the derogatory, unverified information XXXX bank who was my main bank for over XXXX years immediately closed all my accounts and ended all relations with me. Same thing happened with other banks I had accounts with. This derogatory information has been a huge burden on me and huge inconvenience with financial institutions. I was denied opening a new bank account because of this. I did everything they asked, I wrote, called, plead etc. I'm at my last resort now, I'm tired of the back and fourth. I feel like I have been getting computer generated replies, because its the same thing over and over. I'm kindly asking you to step in and help please. Any proof or additional information you need please don't hesitate to ask. Thanks in advance XXXX Institutions are XXXX of XXXX account XXXX XXXX # XXXX XXXX XXXX consumer ID- XXXX - contribution ref # XXXX
Consumer complaint received 2019-07-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (KS)

On XX/XX/19 I contacted Medicredit Inc. after my parents called me advising that they received a letter for me. At that point, I contacted your office and recorded the call to figure out what this was about. Please be advised, that I recorded the call and have had a friend of mine who is an attorney in creditors rights listen to it. They have advised that I am entitled to damages for your office violation of the FDCPA. 

In the call, the representative refused to provide validation of the debt to my proper address in TX as well as refused to answer the dispute in writing to my address in TX ( as I advised them they had the wrong address and took no action to get the correct address ). 

Further, when I asked when the collection amount was due she said " its due immediately '' which can be heard in the attached recording. This is a clear violation of the FDCPA as well as case precedence guaranteeing my thirty-day dispute window.
Consumer complaint received 2024-12-04
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rosebud Economic Development Corporation (SC)

I was told to contact my attorney general in regards to a debt collector not returning my phone calls. I do owe this debt to Zoca Loans and had an agreement with a third party collector ( XXXX XXXX XXXX which I think is now under a different name ) to pay it back. After missing my payment last week Ive been trying to call, left a voicemail and even emailed them on Monday and still havent heard anything back. When I spoke to the rep XXXX XXXX on Friday he told me not to worry about calling him back once I got off because the creditor is going to file paperwork garnishing my wages.
Consumer complaint received 2024-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NV)

XX/XX/year> -An unauthorized online transaction in the amount of {$500.00} was transferred out of my checking account. 

XX/XX/year> -Report to wells fargo that an unauthorized transaction took place. 

XX/XX/year> -I 'm told for the very first time that my checking account has been a joint account with my now 1 year estranged mother, who is responsible for the unathorized online transaction of {$500.00} out of my account. 

XX/XX/year> XXXX mins later- I'm told that filing a fraudulent transaction claim would not fall in my favor, despite the transaction being unauthorized.
Consumer complaint received 2024-12-04
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (WA)

Multiple cards that I hadn't really ever used and when I did I got notices they lowered my credit from where I was using a reasonable amount to I had maxed out my cards. They ruined my credit! I went from a XXXX to a XXXX! I have had credit with them for 7 years. I have had far larger balances and always paid them.
Consumer complaint received 2024-12-04
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (CA)

XX/XX/year> XXXX XXXX I visited and was ready to check out at Macy 's in the XXXX XXXX XXXX. My cashier lady does not speak English and has a hard time understanding my simple questions. She said that she can offer me a discount of 20 % off " for today and tomorrow '' and asked me if I had a Macy card. I said, " I don't have the membership card '' ( original sentences ), she said it was free so I could get one for 20 % off, and she also mentioned it only needed my address and ID. I said Ok, and then we started the process. I was so confused when the questionnaire started to ask for the SSN, so I asked, " Is this the membership card? I just want to make sure this is the membership card that I am doing '' ( original sentences ) and the lady said " Yes, it is the membership card '' ( original sentences ). After I successfully applied. She said " no pay '' " no pay '' and said they would send statements to me, but then I realized it was a credit card even though she never mentioned the word " Credit Card '' or " we will run your credit '' or " credit ''. Nothing at all. I was very surprised and she said I can cancel it anytime, without letting me know any policy or rights, and without telling me the story about credit scores. So without my knowledge, she ran my credit scores and opened a credit card for me. No one onsite helped me correctly, they just wanted me to leave. They also told me the wrong info that I can let it automatically shut off if the account is inactivated for 6 months, but the info was totally wrong. Their customer services were not helpful too, they could not do anything to prevent my loss due to their mistakes. So many people on XXXX  and anywhere had same tragedy of getting new credit cards without being informed, this is definitely not legal. Really appreciate your time and your help!
Consumer complaint received 2024-12-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

Inquiries are reporting on my consumer report that I DID NOT Authorize per 15 USC 1681 allowing 3rd party companies to access my private and personal information is an invasion of my privacy.
Consumer complaint received 2024-12-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Freedom Mortgage Company (WA)

My loan with Freedom Mortgage was paid in full on XXXX. Prior to this I was advised not to stop or make changes to my payment settings until the loan had been paid. After the loan was shown fully paid on my account, another auto pay debit was made ( made by Freedom Mortgage, not sent as a bill pay function from my bank ) on XXXX XXXX. I called to request this money be returned and to be provided a statement showing all money owed to me as a result of the errant payment they took, existing escrow balance, and overpayment by the refinance loan based on the timing of the payoff statement and guidance on not stopping recurring payments during the intervening time. I also asked for confirmation of stopping the auto payment system from their side since the feature becomes unavailable after the loan is paid on the borrow side of their account system. None of these documents/confirmations have been provided and the auto pay remains active as of XXXX XXXX, almost 2 full weeks after the loan payoff was concluded. Another automatic payment will be taken on XXXX XXXX I have been informed during my attempts to stop the automatic payment from occurring.
Consumer complaint received 2019-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. 
I have already contacted the FTC and local police to file a report. These items need to be deleted from my credit report. XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX. XXXX/XXXX, XXXX XXXX, XXXX XXXX , UNIVERSITY XXXX XXXX, XXXX XXXX, XXXX XXXX and these inquiries are not mine either. 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 2024-10-21
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: Experian Information Solutions Inc. (CA)

I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (TN)

In XX/XX/year>, RoundPoint Mortgage Servicing Corporation became the servicer of my mortgage after a transfer from XXXX XXXX. My mortgage account includes an escrow account intended to cover property taxes and insurance premiums. 
My homeowners insurance policy with XXXX was due for renewal on XX/XX/year>, at an annual cost of {$2300.00}, with sufficient funds of {$3100.00} available in escrow as of XX/XX/year>. Despite repeated communications with RoundPoint, including a phone call and an email I sent on XX/XX/year>, requesting that my escrow funds be used to pay the insurance premium, the payment was not processed. On XX/XX/year>, XXXX officially canceled my policy due to nonpayment. This cancellation occurred despite RoundPoint having 43 days to act on my renewal request. 
During the lapse in insurance coverage, I incurred significant damages : XX/XX/year> : A tree fell on my property during a storm, causing approximately {$10000.00} in damages. XX/XX/year> : Gas leaks, later determined to have been caused by a lightning strike, required emergency repairs costing {$3700.00}. I also required medical treatment due to exposure. Additionally, because RoundPoint failed to make the insurance payment on time, I was forced to obtain a new homeowners insurance policy with another provider, Travelers, at an annual cost of {$3100.00}, representing an increase of {$800.00} per year compared to my previous policy. This cost will continue for the foreseeable future. RoundPoint has acknowledged receipt of my XX/XX/year> email in which I requested escrow disbursement, as well as subsequent communications on XX/XX/year>, and XX/XX/year>. However, they failed to process the payment until XX/XX/year>, almost XXXX months after the policy expired. XXXX rejected this late payment, and my policy could not be reinstated. RoundPoint has since denied responsibility for their delays, despite these facts.

To date, RoundPoint has not compensated me for the damages incurred due to their failure to manage my escrow account properly. They also plan to charge me for XXXX XXXX XXXX XXXX XXXX  ) for the lapse period of XX/XX/year> through XX/XX/year>- which I believe they are also responsible for.
Consumer complaint received 2024-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (OK)

On XX/XX/year>2024, I discovered that my checking account had been compromised. There was a check deposited into my account in the amount of {$790.00}. I called Citibank customer service to report this. There was nothing done about it. The next morning XX/XX/year>2024 another check was deposited in the amount of {$2800.00}. Again nothing was done. It turns out that fraud was being committed. I've never deposited nor have I ever had deposited items returned. The goal was to deposits these XXXX checks, withdraw the funds and let the checks bounce. That is exactly was occurred. I received copies of the checks. It's obvious these checks were not deposited by me. Rather than assisting me Citibank closed my accounts and would let me get access. I reported this to the FBI and Oklahoma Police Dept. case # XXXX. I have spoken to Citibank customer service and fraud department several times. As of XXXX2024, I have no access to my checking, savings, credit card and investment accounts. No access to the funds in my accounts. I can't believe that Citibank doesn't back a customer complaint regarding fraud detected. They aren't cooperative and don't stand with their customers when fraud is detected. It has been a nightmare with my direct deposit from work and recurring payments. I need Citibank to make this right!!
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-08-20
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. (MA)

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP. 

SEE PICTURES UPLOADED
Consumer complaint received 2024-10-21
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. (NJ)

Please note that my information was used without my consent. 

An account under collection is reported as XXXX XXXXXXXX XXXX  Also inquiries which I did not authorized 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (NJ)

Single woman owned small business of 26 years and XXXX yr old customer of WF small business customer.

One of our business debit cards was compromised. WF caught the fraud on their end and canceled the wrong debit card!!!!! 
We are dead in the water without access to Our Money to GET OUR STOCK!!! 
We asked it be reversed being it's our busiest season 4th qtr. because it's a tremendous amount of stock scheduled for delivery Wells Fargo has put my business in jeopardy! 
They said it will take 10 days to get a response! 
I've spent 5 hours { not paid } so far on the phone with Wells Fargo and still no resolution. 
Spoke with 10 people so far... only 2 tried to help... .the higher up I got { XXXX @ Exec level was awful } I am pleading for you help... .Wells Fargo doesn't care about my business. I am at a loss. I need help ASAP.

This is soooooo wrong if not a lawsuit.

Help! 
All calls are recorded.
Consumer complaint received 2019-07-16
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. (IL)

I requested my credit report from Experian on XX/XX/2019. I saw that there was negative information reported by XXXX XXXX? XXXX XXXX in the file that Experian maintains under my Social Security Number. Upon reviewing that copy of my credit report, I saw an entry listing an account was charged off {$790.00}. I wrote and certified mailed a letter to Experian challenging the accuracy, compliance and reportability of this listing. I asked them to please validate that information with XXXX XXXX/XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. I requested in the absence of any such documentation bearing my signature, I formally requested that the information be immediately deleted from the credit file they maintain under my Social Security Number. I also stated that I do not consent to XXXX or any means of automated verification. They replied back that XXXX XXXX/XXXX  XXXX " Verified '' that the account they are reporting under my name is accurate. I then on XX/XX/2019 certified mailed another letter to Experian Requesting that the description of the procedure used to determine the accuracy and completeness of the information was being requested, to b provided within 15 days of the completion of their re-investigation. Additionally, to please provide the name, address and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. And that any automated response or XXXX verification is unacceptable. I requested a re-investigation and their method of verification. They did not reply back in 30 days. So by them not replying back within 30 days they violated federal law, and they had failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. And I have evidence via certified mail receipts. So they must remove the item.
Consumer complaint received 2024-12-03
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (FL)

The charges being reported are inaccurate, deceptive and retaliatory. As witnessed in the lease I have never owned animals during my lease of the property. XXXX threatened to increase rent, as it was now month -to-month if I refused to remove an unfavorable XXXX review of the property. There was no damage done to the unit. There were, however ; issues with the unit caused by drilling of a new complex directly behind my unit, as well as mildew due to leaks within the unit, this issue was submitted to maintenance several times without resolution, all of which were building/structural issues. 
Additionally, the property manager has been reported to HUD and additional complaints are being filed for discrimination, harrassment and retaliatory practices in XXXX XXXX - Retaliatory conduct prohibited ( a ) Except as provided in this section, a landlord may not retaliate by increasing rent or decreasing services or by bringing or threatening to bring an action for possession because the tenant : ( 1 ) Has complained to the landlord of a violation under XXXX ;