davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (TX)

RECEIVABLES PERFORMANCE inserted fraudulent accounts into my credit file. Not only are these accounts getting inserted Receivables Performance is failing to communicate to me that they hold any accounts under my name. I am not being given my right to dispute the validity of each account to inform Receivables performance that these accounts do not belong to me and are a direct result of identity theft. You are hereby notified that I am a victim of identity theft and the accounts listed below that appear on my credit file are a result of identity theft. I I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
Consumer complaint received 2018-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

on XX/XX/2018 I received a report from the lexisnexis company that explained the furnisher of their information was XXXX, and included their contact info. I received the attached email explaining their process for releasing information and how I can see the information being released. I then registered and found that te information that lexisnexis is providing in their report of me is inaccurate and I demand to see the docket report or proof of the information they provided to the national credit bureaus under my name and government issued social security number. the two bankruptcy cases being inaccurately reported under my name is XXXX, XXXX,
Consumer complaint received 2018-09-28
Product: Credit card or prepaid 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: CITIBANK, N.A. (AZ)

On my XX/XX/2018 statement there were 4 fraud transactions for a total of {$1500.00}. On receipt of the statement, I immediately called in and was told that I had to call the vendors for the transactions. XXXX XXXX and XXXX  XXXX. XXXX stated this was a known fraud already under investigation. XXXX XXXX said I needed to call Citi bank. I called Citibank and was told this would be resolved and noted the fraud. 

A replacement card was issued and sent via XXXX. Yesterday XX/XX/2018, I received a notice for past due impacting my credit. I then did the called and was told it was handled. No resolution. 

Today, XX/XX/2018, I then did the online dispute for the second time on the remaining transactions. Finally, got an automated response delaying payment for FRAUD transactions. 

Taking more than 45 days to clear fraud which were reported immediately and compounding with interest is unacceptable. This card was in a drawer and I have never used it.
Consumer complaint received 2018-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I was shocked when I reviewed my credit report and found a late payment on the dates below : XX/XX/2017 a 30 day late was recorded I am not sure how this happened, I believe that I had made my payments to you when I received my statements. I also believe that my card is or should have been set up on auto-pay. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2018-08-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Louisiana Recovery Services Inc. (LA)

This was an XXXX DOLLAR CHARGE FROM 2013!! I PAID IT OFF MORE THAN 40 DAYS AGO. IT IS STILL SHOWING UP ON MY CREDIT REPORT ON XXXX. THE PEOPLE AT LOUISIANA RECOVERY SERVICES ARE SO STINKING RUDE!!!!
Consumer complaint received 2018-09-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (VA)

The Company in question is XXXX XXXX XXXXwho garnished {$180.00} from each of my weekly payroll. They claim until the amount of {$3000.00} is paid for judgement against me in XX/XX/XXXX for a debt bought from Santander for a delinquent auto lien on a repossessed vehicle. The garnishment took place on the payroll of XX/XX/XXXX and the XX/XX/XXXX. The problem is this debt was legally settled through another collection agency XXXX XXXX & XXXX on XX/XX/XXXX. I was contacted on XX/XX/XXXX by my parents that XXXX XXXX & XXXX called in reference the delinquent auto account from Santander. The reference number is XXXX and account # XXXX. They advised it was a attempt to collect a debt from Santander and gave me three options to settle. The settlement options I believe were a 12 month payoff of {$5000.00}, a XXXX payoff for 6 months, or to pay off immmediately for {$1000.00}. I agreed to settle for {$1000.00} and under contract they gave me until the XX/XX/XXXX to pay it in full. On the XX/XX/XXXX I noticed I was garnished for {$180.00} by another agency XXXX XXXX XX/XX/XXXXin referecnce the same debt. I was furious and notified XXXX XXXX $ XXXX in referecnce the garnish and they stated that Santander have used another creditor in addition to them. I said that breaches our contracted agreement and asked will this end the garnishment that came after we agreed to settle. I was advised it takes 60 days before it clears through all the credit bureas so I paid {$820.00} which they agreed upon due to the {$180.00} garnishment applied for the same debt. Even after paying I was garnished again on the XX/XX/XXXX so I tracked down the contact for XXXX XXXX XXXX XXXX XXXX and XXXX. He is claiming the two firms do not know each other and he will not accept the letter of settlement I sent him, because he owns the delinquent account bough from Santander. XXXX XXXX XXXX claim the same account and instead of garnishment opted for settlement. Somone is a fraud but both to have claim legal right to the account. I am now being garnished for the settled debt by XXXX XXXX. Now XXXX XXXX is rollingback on the settlement and refunding the money but I am still being garnished by XXXX. I am not at fault here I paid the debt under legal terms. Both claim ownership on their own terms, but stated to be lawful. I am caught in between for a debt contracturally settled. XXXX XXXX and XXXX have grievance against Santander for double selling the debt contract not with me. I did not agree to accept a refund for this legally settled debt, I am no longer liable. I need XXXX to cease garnishment and pursue Santander or XXXX XXXX for settlement. I am not paying twice for the same account and XXXX now is trying to charge me more than what I had already settled for. 

Contacts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX Case # XXXX XXXX XXXX XXXX XXXX & XXXX XXXX   ext. XXXX XXXX
Consumer complaint received 2018-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NV)

The Wells Fargo Bank payed for one of my bills for me without my permission. The bill was approximately {$34.00}. When I complained to the bank, they claimed that they are allowed to pay my bills for me without my permission and offered to do it again. I declined. 

The Wells Fargo Bank is denying the existence of the banking location where I opened up my First Wells Fargo Account. This location is : XXXX XXXX XXXX XXXX, XXXX XXXX, Nevada. Recent bank mishaps appear to have lead to my wife and XXXX children coming up XXXX. My wife and XXXX children have been XXXX for two weeks and one day. 

Wells Fargo Bank has yet to return {$2.00} to the ATM machine at XXXX on XXXX and XXXX in XXXX, Nevada. The transaction was supposed to be completed about two weeks ago. 

Wells Fargo Bank asked me to make a letter head. I do not work for Wells Fargo Bank. I am simply a checking account holder. 


My Wells Fargo online account is currently inaccessible. I tried my two most recent passwords. Neither of them worked. 

All banking locations where I have visited personally : XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX ( opened PrePayCard Account ), XXXX XXXX XXXX  XXXX, XXXX, NV XXXX ( opened joint account with my XXXX wife XXXX XXXX ), XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX ( opened a checking account ) XXXX XXXX XXXX XXXX, XXXX, NV XXXX ( employees here have intimidated me and harassed me )
Consumer complaint received 2018-07-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (CA)

I deposited {$740.00} into the ATM on XX/XX/2018, I transferred about {$600.00} to my business checking account. 

The following day some additional transactions posted on my account and was charged an insuffient charge fee of {$34.00} for being only {$10.00} short. 

Chase charges me {$12.00} per month of servicing fees even though I meet the proper qualifications to avoid this charge yet they still bill me these insuffient charges when I have my business checking thats tied to my personal and always has funds.
Consumer complaint received 2018-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (AK)

I had a credit card with capital one I have paid my card on time, in XX/XX/2015 I got held at XXXX point and lost over {$15000.00} worth of equipment, money and personal property. Including my mobile device! I had contacted capital one and alerted them of the incident however I lost my job and I told them to close my account Ill make my last payment I soon as I can. They didnt close the account and I have many late fees and and overdrafted my bank for over {$3000.00} and ruin my credit after that. 

I received multiple phone calls from a third party whom capital one has sold my account to and got my identity expose and lost my job due to that business calling my phone none stop and reported also on my credit report.
Consumer complaint received 2018-09-28
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. (MD)

I was shocked when I reviewed my credit report and found a late payment on the dates below : XX/XX/2018 a 30 day late was recorded I am not sure how this happened, I believe that I had made my payments to you when I received my statements. I also believe that my Auto Payment is or should have been set up on auto-pay. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2018-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (TX)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company ERC. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and 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 reported to be removed. 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 XXXX  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! Delete the late payments from my consumer reports
Consumer complaint received 2018-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (WI)

urned in my XX/XX/XXXX XXXX XXXX lease with GM financial in XX/XX/XXXX under the provisions of the SCRA. Received confirmation of the lease turn in XX/XX/XXXX after several attempts to contact GM. Received multiple statements from GM claiming that we owed money on the remaining payments while I was deployed to the XXXX XXXX. GM financial told us multiple times to disregard the statements that our account would be fixed since it was turned in under SCRA. In XX/XX/XXXX we went to purchase some land and saw that we were shown as having late payments on our account for several months after the car had already been turned in under SCRA. After several attempts ( probably 20 or so ) contacting GM Financial and talking to multiple customer service reps and managers we were assured that our account had been corrected. As of today XXXX XXXX  the account still shows 60 days late on all three credit reporting agencies with updated dates inXX/XX/XXXX despite GM telling me that their system shows it being cleared with no late payments. I have been promised that we would get a letter that states the account is incorrect on multiple occasions and have still to receive any letter. This has now cost me hundreds of dollars in additional fees and deposits required to establish new accounts because of the incorrect information. I have been promised for months that the issue would be resolved, yet nothing has been done to correct the issue. I was told to dispute the information that it must be incorrect with the credit reporting agency. I did dispute with XXXX which returned with an affirmation from GM Financial that the information was correct.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 XX/XX/XXXX {$640.00} Credit Card collection/charge off XXXX XXXX XX/XX/XXXX {$8600.00} Auto Loan inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX personal information Also Known As : XXXX, XXXX, XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX
Consumer complaint received 2017-03-01
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (NC)

I have been with wellsfargo for over 6 yrs. I have notice and call about my account as well as going into the bank about my checking account. Every month it seems like money is missing .and my online account changes daily.Even when I 'm not using my card or taking out my from account. when I question them about this, they say its not them. Its me. I do know how to kept on with my accounts.I had banks account for over 40 yrs. Also I have notice that wells fargo checks my credit without permission .For 1 loan they ran it 3 times in 10 days.I have contact them about this as well and I get told that they r investigating it. and I would hear from them on XX/XX/XXXX. Instead a receive a letter telling me that its going to take more time. Three times as changed the dates on this problem. I believe that I have at account that I 'm not aware of. Befor I use my card, I check balance to be sure.and they could be a wk between uses the card, yet when i go back on my account the amount is different with no charges pending.
Consumer complaint received 2018-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

My name is XXXX XXXX and I am a victim of credit card fraud by a person and by the citibank credit card company as well. I worked at XXXX full time during the hours that I believe my phone along with my credit card was stolen from my locker and used. I worked at XXXX during this time from the hours of XXXX XXXX  - XXXX XXXXXXXX ( Monday-Friday ) for about 2 months starting from XX/XX/2018 - XX/XX/XXXX or so. I WAS WORKING from XXXX - XXXX XXXX  on this friday XX/XX/2018. At XXXX A person used my phone at an XXXX XXXX   in XXXX XXXX to call my credit card company and FAILED my security word which is XXXX. the credit card company then issued a text and the person verified it was me. Im not sure why they didnt verifiy me based off the favorite snack word. and if a person failed it then they should have NEVER been allowed to use my card. Bear in mind it takes about 1 hour to drive from XXXX to XXXX XXXX and 1 hour to drive back and I did NOT leave work that day during the time of XXXX I took a 15 min break with many of the employees at the XXXX XXXX. In addition to this when I finished my work shift at XXXX XXXX I noticed my phone moved from my locker and my wallet felt lighter. I looked online and saw the charge for 12000+ dollars at an XXXX XXXX I HAVE NEVER BEEN TO AN XXXX XXXX IN MY LIFETIME. and I own an android phone. I called XX/XX/2018 at  a later time maybe around XXXX XXXX and used the correct security word ( XXXX ) to verify it was me and explained it was not me who used the card. Lastly for some strange reason the credit card investigators are saying that they verified my voice to the fraudsters voice I guarantee you thats IMPOSSIBLE please look into this investigation Citibank credit card company is a total fraud and I want my money back and I will NEVER pay this debt.
Consumer complaint received 2017-03-01
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/XXXX To Whom It May Concern : I would like to file a complaint regarding the handling of an unauthorized transaction on my small business checking account ending in XXXX held with Bank of America ( BOA ) Merrill Lynch. I am a XXXX of the business, and have been a member with Bank of America since XX/XX/XXXX. 

On XXXX, I was notified via email by BOA of a suspicious transaction on my business account. I discovered upon accessing my account via online banking, that there were actually XXXX unauthorized transactions pending. The XXXX transactions were : XXXX for {$640.00}, XXXX for {$420.00}, and XXXX for {$1800.00}. 

I contacted BOA within the hour and informed them that these transactions were not authorized and that the access device ( debit card ) was still currently in my possession, and that there were no other authorized users for this card. That card was cancelled and a new one was issued. 

BOA returned the XXXX and XXXX transactions, but informed me that the XXXX transaction had to post to my account and that I would then need to dispute the transaction. After 3 days of repeatedly calling BOA to have the XXXX transaction cancelled and to not be funded, they still refused to do so. The transaction showed as posted to my account on XX/XX/XXXX, so I called in to file the dispute and I explained to the representative that I was out of state and would be until XX/XX/XXXX and that the dispute affidavit would need to be mailed to the address I was staying at. The dispute affidavit finally arrived the second week of XX/XX/XXXX after additional phone inquiries requesting the form. I completed the form on XX/XX/XXXX, and returned via mail. It is Dispute Claim : XXXX. 

A temporary credit was issued to my account on XX/XX/XXXX by BOA. BOA rescinded the temporary credit on XX/XX/XXXX without notifying me before hand at my business/home address, or by phone or email. 

I had verbally disputed the fraudulent charge ( s ) prior to the transaction hard posting to my account, however, BOA did not take action to return the fraudulent transaction upon my notification that it was fraudulent and prior to actual item posting and is now saying that I am at fault and therefore out the funds. 

As a XXXX, I feel that I should be extended the same protection as granted to a consumer. I took the appropriate action to notify BOA of the fraudulent transaction in a timely manner. They failed to take the proper action to deny the fraudulent transaction, as they had done with XXXX, and XXXX. 
As a loyal, 24 year account holder with Bank of America, I should, and expect to receive a refund the full amount of the fraudulent transaction ( {$1800.00} ), and I would like to participate in prosecuting those responsible for committing these crimes. 

Points of Contact : BOA Claims Dept. - XXXX XXXX Local BOA Branch : XXXX Relationship Manager XXXX FL XXXX XXXX XXXX XXXX County Sherriff 's Dep : Deputy XXXX XXXX