davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FISERV INC. (RI)

To whom it may concern, I received unemployment funds on a card from the bank Money Network. The card number for my Money Network account is XXXX XXXXXXXX XXXX XXXX On the Money Network app I input my account number to my XXXX XXXX account and transferred funds from Money Network to XXXX XXXX. The dates and amount of those funds are listed below. 

XXXX XXXX- {$500.00} XXXX XXXX- {$500.00} & {$500.00} XXXX XXXX- {$500.00} & XXXX The account number was input incorrectly, and the transferred funds were not transferred to my XXXXXXXX XXXX account and they still are not in my XXXX XXXX account. I called Money Network and they informed me that the funds were successfully transferred to XXXXXXXX XXXX. I then visited XXXXXXXX XXXX and they informed me that the account number ( that the funds were transferred to ) does not exist. Therefore once they received those funds there were unable to deposit it into the account because the account number that it was sent to does not exist. So then XXXX XXXX sent the funds back to Money Network. I called Money Network to explain that XXXX XXXX does not have those funds and that they transferred it back to Money Network ; I provided documentation by fax, email and mail proofing that. Money Network was supposed to put those transferred funds back into my account, but they are saying that the funds were transferred successfully to XXXXXXXX XXXX XXXX XXXX provided me documents that states otherwise, therefore Money Network does indeed have those funds and those funds should be in my account, which it is not. 
I opened a dispute with Money Network and this has been an ongoing dispute for months. Money Network denied the claim a few times stating that the funds were received by the intended institution. I have requested copies of the documents they used to come to that conclusion, and they have never sent those documents. I recently called again and have not been able to speak to a manager because the line disconnects when I am connected to a manager. I have never seen the documents used to determine that the transferred funds were successfully sent to XXXXXXXX XXXX 
For months now I have called, emailed, faxed and mailed documents from XXXXXXXX XXXX stating that the funds were never successfully transferred. My claim has got denied multiple times by Money Network. Recently I have taken note of who I spoke with, at Money Network, and what they said. I am able to provide that information if needed. I have gone through a lot of stress during these months trying to get money back that rightfully deserves to be in my possession. It has been especially stressful because I was in unemployment and that was the only funds I was receiving and I dont have it. 

Thank you, XXXX XXXX
Consumer complaint received 2024-10-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (HI)

PORTFOLIO RECOVERY A Under XXXX credit bureau this is being reported to Original creditor I don't believe they're original creditor they have two different accounts for {$300.00} and {$250.00} I don't know what that this is it's not clear to me what it is and it's definitely not two accounts they got on my credit report to accounts which is really most likely One account ( debt collector is intentionally ) make it look like I have ( two debts ) when it's One debt this is a ( violation ) with fair credit debt practices collection practices act it illegal for them to represent this debt this way I will be contacting Federal trade commission to update my complaint against this company falsify an accounts on my credit reports also is unfair that they're reporting a ( new date for collection ) when they don't have ( original date ) of collection I did not get no debt from them on the date that they have advertised.
Consumer complaint received 2022-06-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd (TX)

On XXXX XXXX, I contacted Nationwide Recovery System and XXXX XXXX XXXX regarding a bill for XXXX. I informed both companies, I never received any written correspondence about this debt, nor a phone call. The companies admitted they did not have my correct phone number or mailing address. They have since submitted this debt to XXXX and XXXX. As of XX/XX/24, the debt was removed from XXXX, but they added it to my XXXX credit file, which has caused an adverse drop to my credit score. I am closing on my house, and can not afford to have this mistake they made affect me from closing.
Consumer complaint received 2024-12-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (ND)

Three times I have had an account get opened iny name with Wells Fargo without my knowledge. 

In XXXX I did commit fraud in my military Wells Fargo account so I was band from having an account with them ever again. 

But in XXXX I seen it on my credit report and went there and got my check book. 
Shortly after that they closed the account on me and I have checks get returned and I didn't know. XXXX they did it again and I had a debit card under them I didn't know about. Also found out I had someone else cashingy check into there account and Wells Fargo let them. Also I was paid for a pencil portrait with a check and deposited into my account when I wasn't supposed to have one. The immediately called cops because I was paid with a stolen check i didn't cash it. I told cashier I was on my way to court which I was the cops destinede and I lost out on thousands of dollars because my bond was pulled. 

Also XXXX they allowed XXXX rent checks to be signal line out person initials written above it and put into automated ATM and they made them available next morning. XXXX rents checks.totaling XXXX dollars. My ex and her cousin withdrew the money next morning. I was charged felony for it. It was also my military Wells Fargo account
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted disputes to you and didnt get a response within 30 days and you are required by law to do so. Please investigate my disputes. Thank you.
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I have submitted disputes to you and didnt get a response within 30 days and you are required by law to do so. Please investigate my disputes. Thank you.
Consumer complaint received 2023-07-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

Through conspiracy with regulators, politicians and XXXX related entities Chase is in possession of my and other creditors stolen property. Chase is now insolvent and as a result Chase needs to immediately cease all lending activity. The existing collateral for their outstanding loans, likely mortgages and businesses should be liquidated and the bank should cease to exist. The politicians that were paid for with stolen money need to be impeached and their sponsored policies void. The people responsible will be tried for treason as their actions directly threaten the continued existence of the republic. If you think XXXX bought a lot of political influence with my stolen capital, then brace..
Consumer complaint received 2022-06-24
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: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-05-08
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. (CA)

I reviewed my Consumer Reports and noticed that I had erroneous reports on accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$34000.00}
Consumer complaint received 2023-12-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

I've sent a Debt Validation letter to request paperwork from Westlake Portfolio Management where they received it on XX/XX/23. The letter was USPS express with receipt confirmed to Westlake Portfolio Management. I have also started a dispute with all XXXX Credit Bureaus and entered code 15USC 1692g. I have not received any Validation paperwork back showing me where I agreed with them on any debt. They have applied fees etc while I continue to wait for Validation. I have a cease and desist in the Debt Validation Letter and yet they have reached out to me via email about payment toward the account that Westlake Portfolio Management has yet to send me Validation for showing me where it belongs to me. Westlake Portfolio Management also was supposed to remove a XXXX late remark on my credit report and still have not done so. I'm requesting that they remove the remark on my credit. I spoke to XXXX who works at Westlake Portfolio Management rep and I told him my situation. He stated that it would be removed. He also gave me a confirmation number, XXXX. The call was recorded and monitored. Please help me with a solution about Westlake Portfolio Management. This account is affecting my credit.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Introduction : Im submitting this complaint against Chase Bank due to a mishandling of my mobile check deposit and misinformation from their representatives, which led to serious financial disruption. 

Complaint Details : On XXXX, I deposited a $ XXXX paper paycheck via Chase 's mobile check deposit feature. To my surprise, Chase placed a 12-day hold on the deposit. This delay was unacceptable, as I rely on these funds for essential expenses. 

I contacted Chase immediately to cancel the mobile deposit due to the unreasonable hold. The Chase advisor informed me that it couldnt be canceled and that Id need to wait it out. When I explained that waiting wasnt an option, another representative suggested I deposit the check at a different bank instead, claiming this would resolve the issue. I followed their guidance but decided to double-check with Chase, only to find that this was incorrect advice. Rather than taking responsibility, Chase then tried to blame me, accusing me of negligence. 

To make matters worse, Chase restricted my account, preventing access to my funds until the hold period was over. This restriction has now disrupted my autopay transactions, leading to even more financial complications. Every action I took was based on Chase 's instructions, and I am left to deal with the fallout due to their mismanagement. 

Impact : This situation has left me without access to my paycheck for nearly two weeks, impacting my ability to meet critical financial obligations and causing significant frustration. I relied on the bank 's advice, only to be left in a worse position. 

Resolution Requested : I request immediate release of my funds, removal of any account restrictions, and a review of Chases policies and training regarding mobile deposits and customer advice. Additionally, I would like compensation or fee reversals for any costs incurred due to their mishandling of my deposit.
Consumer complaint received 2022-04-19
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)

I have contacted the credit reporting agency via website as well as phone. I have disputed inaccuracies for inquiries that are reporting on my credit report. The agency has refused to remove these fraudulent items that I did not authorize. Pursuant to 12 U.S. Code 5534 I have not received a response in regards to these fraudulent inquiries on my consumer report.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment
on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2022-09-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Dividend Finance Inc. (GA)

My solar loan is through Dividend Financial, sold by XXXX XXXX XXXX XXXX XXXX and after signing the contract we found out that we were overcharged on our system by {$25000.00} and Dividend Financial approved the loan amount knowing the system size and capacity. XXXX XXXX sold fraudulent systems that don't work and are undersized saying it would cover our needs, they did this to thousands of customers, only to find out the system doesn't do what promised and they also missed many disclosures in my contract. Dividend Finance allowed them to bill me for a system that wasn't even approved by the power company or hooked up, and began making me make payments on a system I could not use. I began that issue with Dividend Financial on XX/XX/XXXX, XXXX Dividend Financial did nothing, only expected their payment even after I told them the system wasn't installed all the way. XXXX XXXX just up and closed their doors on XX/XX/22 so all their customer contracts have become null and void, workmanship warranty, material warranties, everything gone with no recourse. It was found out that XXXX XXXX 's sales staff wasn't properly licensed in several states and I have a screen shot of their software showing how much they overcharged customers so Dividend Financial would approve the loan, documents were falsified and Dividend Financial takes no responsibility for not protecting the customer, as a matter of fact they steal the XXXX XXXX XXXX XXXX the customer is supposed to get by overcharging the sale and tying the XXXX XXXX to the loan to pay it down in 18 months, but in my case and many like me it takes XXXX years to aquire that credit. Dividend Financial needs to take responsibility for their part in supporting the fraud that XXXX XXXX participated in because they should only be backing loans for what the product is actually worth being they use an XXXX XXXX lein on the property, which means I can't sell my house without paying off this {$69000.00} debt. I feel Dividend Financial needs to be held accountable for joining XXXX XXXX in FRAUD and writing PREDITORY LOANS!
Consumer complaint received 2023-12-29
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (UT)

I received an American Express prepaid gift card from my employer in the amount of {$300.00}. The card number is XXXX XXXX XXXX. When I attempted to make purchases with the card, it was declined repeatedly. 

I spoke with AE customer service on XX/XX/2023 and they told me the transactions were blocked for unknown reasons and I would be unable to use the card at those retailers. When I asked what retailers are authorized for use with this card, they did not have an answer, despite the fact that their website states You can use your American Express eGift Card with any United States-based online, phone, or mail-order merchants wherever American Express Cards are accepted . This statement can be found at https : //www.amexgiftcard.com/frequently-asked-questions Customer service was unable to give me any information other than to try using the card at other retailers until I had success. They also informed me that the balance of the card had been decreased to {$290.00}, again for unknown reasons. 

This system seems designed to skim a few dollars from American consumers. They are holding my legal tender XXXX and there is apparently nothing customer service can do about it. All I want is the total balance of my card paid in check.
Consumer complaint received 2022-08-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (NY)

Ability Recovery Services opened a collections accounts on XX/XX/2022 of which I was never notified in writing, and I have yet to receive a debt validation and verification letter. I have no knowledge of this account and it has had a severe adverse effect on my credit.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (FL)

I am the living man, executor, beneficiary of these accounts and It has come to my attention that although I have written several letters asking for validation of debt, audit trails I am not getting any response because of the automated system you have in place which in fact is a violation as well..

When it comes to uploading my documents on your portal, it is difficult for the consumer to upload the pending documents needed to expedite my dispute claim. That is a violation of my consumer rights. I have reported this concern on several occasions and the problem is not being addressed.

I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts Or give my permissible purpose.

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me.
Consumer complaint received 2023-11-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC. (FL)

I was employed for 10 years at the same company. My employer passed away in XXXX from XXXX. It was a family owned business of his and his family decided not to keep it. Therefore we all got laid off as 1099 contractors no unemployment. I called Santander And told them about the passing away and how Im a single XXXX  of XXXX kids  Ive had two vehicles with them and I pay {$710.00} a month and Ive only got two years left of my seven year loan. I am pretty good at paying my payments on time, considering how high they are, I would say, I would rate myself that I pay time about 92 % of the time and thats just being honest. I called and asked if I could refinance they said no I called and asked if I could have a payment plan they said no I needed to pay {$700.00} right then and there I explained that I am playing catch-up from two months of bills and I dont have any help. I am trying to get assistance from churches but nobody helps with car loans And its crazy to me that after being such a loyal customer, theyre the only car loan company Ive ever been with and Ive literally been with them for as long as I can remember Im XXXX and I think I was XXXX when I first went with them Theyve messed up before in the past. I remember we all got a check because they were not paying their taxes or something of the such but it was a big loss, so Im not happy with the company because I dont really trust them but it was too much for me to try to go to a new company at the time because I owe so much with this loan, I think that they could at least work with a down payment like most credit card companies do most debt collectors do in fact, most companies I know will let you do a payment plan. Im scared to wake up and my car is gone and I get fired and cant feed my kids