davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-17
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. (MD)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the Experian, XXXX, and XXXX to reinvestigate these accounts XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX  ACCOUNT # XXXX XXXX. XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX. DEPARTMENT OF EDUCATION ACCOUNT # XXXX XXXX. XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPARTMENTS OF EDXXXX  ACCOUNT XXXX XXXX XXXX. XXXX XXXX  ACCOUNT XXXX XXXX. XXXX XXXX XXXX CLOSED ACCOUNT XXXX XXXX. XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX. XXXX XXXX ACCOUNT XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602 A. states i have a 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 instruction. 15 U.S.C 1681C. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOW OR HAS REASONABLE CAUSE TO BELEIVE THAT THE INFORMATION IS ACCURATE.
Consumer complaint received 2023-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MN)

Hello, On XX/XX/23 I received a call from Wells Fargo Customer Service number XXXX ( XXXX ) XXXX and they went through some attempted fraudulent charges on my account. I told them all of these charges were fraudulent and I wanted to proceed with pressing criminal charges. I told them I didnt want a new card at this time and I would updated my password and PIN. 

While I was on the phone with the Wells Fargo, I received notification emails that my current card had been added to XXXX play on a XXXX device ( not authorized by me ), then an email that I had requested a new card ( also not authorized by me ). I also noticed {$390.00} had been transferred from my savings account to my checking account ( also not authorized by me ). 

I called Wells Fargo back and told them all of the above information, we went through recent charges and I told them the {$100.00} and {$400.00} atm withdraws from XXXX were fraudulent and submitted a claim. I was told it can take up to 10 days to resolve the claim.
Consumer complaint received 2023-07-17
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: National Credit Systems,Inc. (AR)

National credit systems is reporting negative results on my XXXX & XXXX and XXXX i asked all three credit bureaus for verification and original contract I never get a response this debt was sold to National credit system I have no contract with them and I asked for a 1099 for since it was wrote off and sold I never received the form.National credit system is adding a dollar to my account every month and take a dollar every month, i entitled to my consumer report and articles i asked for they are filing per FCRA 1681 e ( b ) they are using my information that I never consent to
Consumer complaint received 2019-01-17
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: WELLS FARGO & COMPANY (TX)

The previous I was a complaint credit card/debit isn't resolved my disputed. The banks only proved what they are credit back from XX/XX/2013 to XX/XX/2013 not credit back from XX/XX/2013 to XX/XX/2013 & before XX/XX/2013. I can not access to my business account to provide my business missing credit back.
Consumer complaint received 2024-01-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NY)

My business account overdraft fees Charged XX/XX/year> OVERDRAFT FEE FOR A {$9.00} ITEM - DETAILS : ORIG CO NAME : XXXX XXXX XXXX XXXX XXXX XXXX CO ENTRY DESCR : XXXX XXXX XXXX WEB TRACE # XXXX XXXX IND XXXX IND NAME : XXXX XXXX XXXX Fee - {$34.00} - {$1000.00} XX/XX/year> OVERDRAFT FEE FOR A {$7.00} CARD PURCHASE - DETAILS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fee - {$34.00} - {$1000.00XXXX XXXX XXXX XXXXXX/XX/year> OVERDRAFT FEE FOR A {$7.00} CARD PURCHASE - DETAILS : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fee - {$34.00} - {$970.00} XX/XX/year> OVERDRAFT FEE FOR A {$470.00} CARD PURCHASE - DETAILS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fee - {$34.00} - {$930.00} XX/XX/year> OVERDRAFT FEE FOR A {$16.00} RECURRING CARD PURCHASE - DETAILS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fee - {$34.00} - {$910.00} XX/XX/scrub>XXXX XXXX XXXX  OVERDRAFT FEE FOR A {$21.00} RECURRING CARD PURCHASE - DETAILS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fee - {$34.00} - {$370.00} XXXX XXXX XXXX  OVERDRAFT FEE FOR A {$32.00} RECURRING CARD PURCHASE - DETAILS : XXXX XXXX XXXX XXXX AND XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fee - {$34.00} - {$340.00}
Consumer complaint received 2023-07-21
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. (FL)

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 2019-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : 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 XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX As required by FACTA and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA,  that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely,
Consumer complaint received 2023-07-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights. 

I am not liable for this debt and do not have a contract with them. They have not provided me with any of the documents I continuosly ask for.
Consumer complaint received 2019-01-17
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. (FL)

I have attempted to dispute this issue Bank for several months now sending him letters doing enquiries to them verbally asking them to remove unauthorized hard inquiries that were not authorized as well as removing the false information that they had provided and then had mistakenly remove the entire account XXXX need to lose a year and a 1/2 of credit history dropping my scores significantly and now they are not reporting on any credit bureaus they tell me they are when I call the credit bureaus it does not show is reporting and I look at my credit reports it does not show is reporting but XXXX   proceed credit card shares by the fact there's nothing they could do because they're already reporting it I have contacted them and waited for 60 days for the no reply I've had to call them repeatedly in explain over and over with no recovery to fixing my credit and my score back I have had an account open with them for 2 years now and they have completely removed it from all 3 bureaus and I pay it monthly
Consumer complaint received 2018-10-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Portfolio recovery is calling me non stop using various area codes XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Sometime theycall as a ptivate caller or unknown caller. they call2 timesin the morning, afternoon and evening up to XXXX at nightand saturday and sunday.. I sent a letter to XXXX  XXXX, along with the name of my bank and my account number showing that my income of social security was, indeed, under the protected status which my social security income could not be touched forant reason by any bill collector. this information should have been conveyedto portfoliorecovery when they sold them my account.. once again thank you for your help company address XXXX XXXX XXXX XXXX va XXXX
Consumer complaint received 2018-10-23
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. (FL)

XXXX XXXX XXXX is reporting an unpaid loan on my credit report. This particular loan is the sole responsibility of my ex-husband, XXXX XXXX XXXX. I have disputed this account several times, but XXXX XXXX XXXX refuses to take it off my credit report. I am attaching documentation that proves that this account is his sole responsibility.
Consumer complaint received 2018-10-23
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: Phoenix Financial Services LLC (AL)

I received a copy of my credit report in XX/XX/2018. I noticed that Phoenix Financial Services had placed a derogatory item on my report and had not ever notified me that they were attempting to collect on that debt. I immediately drafted a dispute to Phoenix Financial Services ( see attached letter dated XX/XX/18 ). In this letter I formally stated that I was disputing the information they were reporting but moreover, I was requesting validation of the debt. Phoenix to date has not responded. I have not received an agreement with the signature of the alleged debtor wherin he/she agreed to pay the creditor ; have not received the date this alleged debt became payable ; what the original delinquency date was, nor did I receive complete accounting of the alleged debt. The entry lacks veracity and due to the fact that Phoenix has yet to respond, it appears that they do not have any documentation to justify that they are reporting 100 % accurately, timely and verifiable information. Per return receipt ( see attached ), Phoenix received my dispute on XX/XX/18. FCRA provides that they had 30 days to respond to my dispute. Being that Phoenix is violating my consumer rights and did so knowingly without providing me a dunning letter, yet they continue to be in violation with this reporting ; this item must be deleted immediately from my credit reports.
Consumer complaint received 2018-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

XXXX 's report shows that my car has been stolen. XX/XX/18, I discovered this when I tried to sell my car and the buyer declined to make me an offer because of this information. XX/XX/18 - XX/XX/18, I tried to call XXXX, but the phone number on their website doesn't seem to work because it is always busy. XX/XX/18, I was able to connect with XXXX and got a case #. They refuse to correct this error unless I provide them documentation. My car has never been stolen. I have the car, I own the car and I have a clean title in my possession ( I sent a copy of my title to XXXX  XX/XX/18 ). XX/XX/18, The Texas XXXX has no record of my car being stolen and said for me to tell XXXX to call them. XXXX will not call them because " it takes too long for Texas DMV to answer '' - about 15 minutes. XXXX will not respond to my emails through their online system or return any of my calls - even after they promised to call me back. 

My request is very simple : I want XXXX to fix their erroneous data showing that my car was stolen asap.
Consumer complaint received 2018-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (IL)

On XX/XX/2018 I opened a checking account and a savings account with Citibank at one of their branch offices on XXXX XXXX XXXX XXXX with the help of XXXX XXXX to take up their {$400.00} bonus offer at time if I make at least the minimum deposit and keep the minimum combined balance for 60 days. I was told by XXXX that I am eligible for the offer. 

I made the required deposit of {$15000.00} to the checking account and {$500.00} to the savings account on XX/XX/2018. I left the money sitting untouched in both accounts for the next XXXX consecutive months. 

The {$400.00} bonus never came and still not received. I started making numerous inquiries to Citibank through their branch and spoke to its manager XXXX XXXX and the original office XXXX XXXX. I also tried their online Live Chat and spoke to several representatives. They keep telling me that they're still 'investigating ' even though all of them confirmed that I have satisfied all the requirements for the bonus. I kept getting the runaround and still haven't gotten any resolution. 

Today, XX/XX/2018, both of my accounts were mysteriously 'unlinked ' and I can no longer access any of the accounts. I never unlinked them or authorized Citibank to close them. I reached out to the branch manager XXXX XXXX, and she has no idea why. I feel misled and duped. The whole thing feels like a fraud and it is outrageous.
Consumer complaint received 2020-04-22
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. (VA)

Experian will not correct or update wrong information regardless of documents attached to dispute services. I am in a payment agreement with the department of education and I have provided proof of agreement, proof of on time payment status and proof that the last 16 late payment on my credit report are in error however they will not make any changes. I continue to dispute their claims However all the say is, The result of their information is that the information reported is true regardless of documents from department of education I uploaded.
Consumer complaint received 2023-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MA)

This issue is in regard to PHH mortgage services not releasing funds associated with a water loss at my home. I requested a home inspection on XXXX which was completed on XXXX. The results of this inspection should have posted 3 business days later on XXXX but have not posted as of XXXX. After 15 phone calls to the mortgage company I was contacted by another inspection company which completed the virtual inspection on XXXX. This is more than 30 days after the request ofr an inspection. During those 15 phone calls I was given any number of excuses and promises that were not kept. The promises included ; I'll call you you back with an answer by x time on X date ; I'll submitb a request to upper management to ..... 
fill in the blank because it never happened. 
The slower the company pays out funds the more they can control them for their own use such investment, etc. If I were late in paying my mortgage payment I would be contacted by the company, have an additional charge be added to my payment in the form of a late fee as well as having a negative comment on my credit report. 
This issue may be resolved within the next week but they have not proventhemselves capable of anything but delaying payment to me. They should also be subject to the same penalties that I would face with a late payment in the form of some type of monetary penalty. Without some form of monetary penalty these problems will just contimnue.
Consumer complaint received 2018-10-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

On XX/XX/XXXX my FHA mortgage was transferred from XXXX  XXXX XXXX to Carrington Mortgage. Since the transfer, I have made both the XXXX ( online payment ) and XXXX ( telephone payment with bankruptcy representative ) payments to Carrington Mortgage. However, on XX/XX/XXXX, I received a monthly statement from Carrington showing that my XXXX payment had not been applied to my account. It was being held in a " suspense '' account. The statement also indicated that I owed {$10000.00} due XX/XX/XXXX. 

I immediately called Carrinton and was transferred to a bankruptcy representative who stated that something happened with my XXXX payment and caused it to be sent to a " suspense account ''. She said she would put in an order to have it applied to the account. However, she also stated that Carrington could not find my payment ledgers from XXXX XXXX XXXX, and because of that, they had no record that I had made payments from XXXX. That's why they were billing me for the {$10000.00}. I contacted XXXX  XXXX XXXX and was told Carrington had received the payment ledgers along with all of the other loan documents during the transfer. XXXX  XXXX XXXX also faxed a copy to their bankruptcy department ( addressed to XXXX ). 

I called on XX/XX/XXXX and even after receiving the payment ledger fax from XXXX  XXXX XXXX ( which had not been scanned into my account, but showed as received by XXXX ), Carrington still has not resolved this billing issue. 

If this issue is not resolved in a timely manner, my attorney will have to take legal action against Carrington Mortgage.
Consumer complaint received 2018-10-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (FL)

XXXX XXXX 18 - {$500.00} PURCHASE MADE. ERROR FOUND. ORDER CANCELLED.

XXXX   XXXX  18 - ( {$500.00} ) REFUND FROM MERCHANT POSTED.

XXXX XXXX 18 - NOTIFIED VIA EMAIL PROMOTIONAL FINANCING EXPIRING SOON FOR {$500.00}. HERE IS WHERE THE PROBLEM BEGINS. I CONTACT PAYPAL TO DISPUTE TRANSACTION SINCE CHARGE MADE XXXX XXXX 18 WAS REFUNDED NEXT DAY. THIS IS REFLECTED IN MY XXXX  BILLING STATEMENT. WHY AM I BEING CHARGED INTEREST OR PAYMENT DUE FOR TRANSACTION THAT ESSENTIALLY NEVER HAPPENED, CHARGE AND REFUND SAME DAY. 

PAYPALS EXPLANATION IS THE SYSTEM DOES NOT SEE THE MERCHANT REFUND BECAUSE IT HAPPENED WITHIN ONE BILLING CYCLE. THE MERCHANT REFUND DID NOT APPEAR UNTIL THE FOLLOWING BILLING CYCLE. THE PAYPAL REFUND CREDIT OF {$500.00} WAS REALLOCATED BASED ON HOW WE FEEL THE PAYMENT WILL BEST PAY-DOWN THE INTEREST BALANCE. IF THIS HAPPENS IN THE FUTURE CALL US AND WE WILL OVERRIDE THE TRANSACTION SO THE REFUND IS APPLIED TO THE CORRECT TRANSACTION, HOWEVER, NOTHING CAN BE DONE FOR THIS TRANSACTION BECAUSE IT OCCURRED MORE THAN SIX MONTHS AGO.

THE EXPLANATION PROVIDED IS NOT FOUND IN ANY DISCLOSURES PROVIDED TO CUSTOMERS. I HAVE NOT KNOWINGLY AGREED TO ALLOW PAYPAL TO 'REALLOCATE ' MY MERCHANT PROVIDED REFUNDS AS THEY SEE FIT. WHEN THE MERCHANT REFUNDS THE TRANSACTION AMOUNT I EXPECT IT TO BE APPLIED TO THAT MERCHANTS TRANSACTION AS DOES EVERY OTHER CREDIT CARD ISSUER I HAVE ACCOUNTS WITH.

I WAS NOT CONTACTED BY PAYPAL ABOUT THIS 'REALLOCATION ' OF THE REFUND TAKING PLACE. I HAVE BEEN CHARGED INTEREST ON A TRANSACTION THAT ESSENTIALLY DID NOT OCCUR. HOW MANY TIMES HAS THIS HAPPENED THAT MERCHANT REFUNDS HAVE NOT BEEN APPLIED TO THE MERCHANT PURCHASE THUS ACCRUING INTEREST?
Consumer complaint received 2023-07-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (PA)

My mother some how purchased a vehicle and I was supposed to be a co-signer. My mother has sinced past away and now Im finding out that the vehicle is in my name only. My mother never should have been approved for loan to begin with which made question the credibility of the dealer. After some research I found out the dealer wasnt licensed and them and the loan company have had numeral claims against them.