davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CO)

Have issues with Wells Fargo with my mortagage payments whereby they misplaced my payment and ended up with late fees around XXXX, and also frequency have excessive overdrawn fees from late processing transaction. 
Therefore, I 'am a victim of " erroneous overdraft checking account fees, misapplied payments and foreclosures in regards to mortgages and auto loans from XXXX to now, as which makes me a victim of finical discrimination and systematic racism facing people of XXXX.
Consumer complaint received 2023-01-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P. (FL)

On XXXX, my son XXXX XXXX had a visit to an emergency room in XXXX XXXX. XXXX was XXXX  on XXXX. XXXX has XXXX XXXX XXXX  '' insurance ID XXXX. After a while, I received a bill from the hospital for {$1200.00}. I contacted the insurance company, where they told me that XXXX 's visit was paid in full, and if the hospital has questions about payment, then they should contact them, because it is illegal to demand that we pay again. In a few years I received a call from a collection agency " Paramount recovery " and some man told me that I owe them {$1200.00}. I explained the situation, to which there was a response from the collection company that they would send me all the papers confirming my debt. However, I haven't received anything up to this point. Instead, the collection company made " Derogatory marks '' in my credit history. I again contacted the insurance company, where they once again confirmed that the bill had been paid, the claim number was XXXX, and they also informed me that the money had been withdrawn from the hospital 's account. Based on the above, I think that there is a fact of fraud, because they are trying to collect XXXX XXXX from me again.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (SC)

Yes they have charged me this is in XXXX of XXXX they would take it money out of my account when I know that money was in there and when I go to withdraw my money is not there I have an overdraft and dealing with and they say that they looked into it but they said nothing happened and I had to pay them back money which I knew my bills were covered I live on a social security and they left that they left me really messed up and almost and almost homeless and I'm still fighting with them now {$450.00}
Consumer complaint received 2020-04-25
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC. (MI)

I receive a letter from Midland Credit Management in regards to a XXXX 's XXXX XXXX  account that I did not open. The letter dated XX/XX/XXXX stated that I owed {$1200.00} that had not been paid. I have never in all of my XXXX + years, shopped at XXXX XXXX XXXX. This is the SECOND time that I have had to DISPUTE charges from XXXX XXXX and XXXX XXXX XXXX. The last time was just in XXXX I filed a police report then too. When I call ( MCM ) to inquire about the debt, they always ask for the last 4 digits of my social security number and I don't even feel comfortable giving it to them, considering my history with them. I did reluctantly provide the information to Midland Credit Management and they finally indicated that the date of birth of the person that opened the account was in XXXX, XXXX. That is not my date of birth. The social security number, and address all match, but I did not open this account. I am retired and on a limited income and do not need this fraud to continue. I have spent my entire life paying my bills on time and I have excellent credit. I have worked hard with little income, to be a responsible bill-paying citizen. I do not, nor have I ever, shopped at XXXX XXXX XXXX. I am filing a police report and I have also filed an Identity theft report with the FTC.
Consumer complaint received 2020-04-25
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (WA)

I sent a dispute letter on the reporting on certain accounts. They are reporting inaccurately and reporting one account that does not belong to me nor they can verify. This has been an ongoing issue for the past couple months and they keep saying its verified without giving me proper documentation and reporting inaccurately. There is XXXX XXXX  auto loan they kept saying verified with no documentation, XXXX XXXXs that I do not own and reporting inaccurate, inquiries that I mentioned that werent authorized at all and they could not provide and proof of documentation. Medical bill thats being report with an unknown source no name to the company.
Consumer complaint received 2020-04-25
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. (CA)

It has been years now since I've furnished the proof get to XXXX XXXX XXXX via XXXX XXXX to be untrue because I was completely insured at that time by XXXX XXXX XXXX XXXX XXXX  insurance and that the bill should have gone to that insurance. I furnish proof to the credit bureaus to the consumer protection financial bureau and submitted a prior FTC report regarding the matter yet still it continues to be reported because XXXX XXXX  simply changes the amount and re-enters it as a debt. This is a form of extortion and should not be allowed in our country.
Consumer complaint received 2020-04-25
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)

It has been years now since I've furnished the proof get to XXXX XXXX XXXX via XXXX XXXX to be untrue because I was completely insured at that time by XXXX XXXX XXXX XXXX XXXX  insurance and that the bill should have gone to that insurance. I furnish proof to the credit bureaus to the consumer protection financial bureau and submitted a prior FTC report regarding the matter yet still it continues to be reported because XXXX XXXX  simply changes the amount and re-enters it as a debt. This is a form of extortion and should not be allowed in our country.
Consumer complaint received 2020-04-25
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)

XXXX had reissued a student loan listen to be completely fabricatedStory that they would consolidate the other loans with it so I could then return to school. Otherwise there would be zero, exactly zero reason to sign paperwork on a loan more than 23 years old. There should be no negative reporting from this loan as it is in the first place originated from XXXX XXXX XXXX  University nearly 24 years ago. If they would like to attest to the validity then there is no way that they should be XXXX and me late during XXXX at the beginning of a pandemic when the president himself said that school loans would be put off till the end of the pandemic however XXXX seems to think that students should suffer during these times and wishes to disobey law. XXXX of 2020 what is the beginning of when this country realized we were in trouble and businesses begin to lay off people including my business.
Consumer complaint received 2020-01-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (KS)

XXXX XXXX Solutions is attempting to collect on cable bill debt that was removed from  XXXX XXXX Kansas that was the amount of XXXX in XXXX XXXX2019 Now they are making a false balance saying I owe XXXX I would like to have this debt removed from my credit thanks
Consumer complaint received 2020-04-25
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. (CA)

XXXX had reissued a student loan listen to be completely fabricatedStory that they would consolidate the other loans with it so I could then return to school. Otherwise there would be XXXX, exactly XXXX reason to sign paperwork on a loan more than XXXX XXXX XXXX. There should be no negative reporting from this loan as it is in the first place originated from XXXX XXXX XXXX  University nearly 24 years ago. If they would like to attest to the validity then there is no way that they should be Mark and me late during XXXX at the beginning of a pandemic when the president himself said that school loans would be put off till the end of the pandemic however XXXX seems to think that students should suffer during these times and wishes to disobey law. XXXX of 2020 what is the beginning of when this country realized we were in trouble and businesses begin to lay off people including my business.
Consumer complaint received 2020-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (FL)

Since I have opened my PayPal Extras Mastercard account, I am told I am accumulating points that expire after 24 months, and I am seeing these points expire month after month after month without the ability to redeem them on their online site. I know that I am paying a premium in my finance charges for this feature, but am not able to access the points I am eligible for and the company continues to expire them. I have asked for all my expired points to be reinstated and for me to be able to redeem my current points. I realize with the COVID situation, it's hard to talk to someone, but Synchrony Bank inherently makes it difficult to raise the issues through their automated question service, then it goes offshore to people who don't understand the issue. I find this practice VERY deceptive of offering points, then expiring them, and not letting you redeem them- this has been going on for a VERY long time, so I would like to claim my benefit.
Consumer complaint received 2020-04-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services (WA)

I've repeatedly asked ACS Student Loans for copies of my payments and payment history when the company was being sold. I believe they over charged me interest and mislead me with payment options. I was trying to collect the information and while it was easily obtainable on the site as soon as they sold my loan to XXXX XXXX, the information was no longer available and I was unable to collect any of it. I've been paying on this loan for over ten years and now it's bounced from ACS to XXXX XXXX, to XXXX while not transferring my payment history. The amount of money I've sent to these companies in return for poor customer service and now getting my loan bounced around is embarrassing. Additionally I'm now ineligible for zero interest through the CARES Act. I need access to my past payment history and all interest charges to date.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (MN)

I suspect that Wells Fargo has charged me overdraft fees when I had sufficient balance for the purchases causing it. I do not have any specific incidents to list. I only remember this having happened several times over the past XXXX years. I have been a wells Fargo customer since 1996, in good standing.
Consumer complaint received 2023-01-22
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: EQUIFAX, INC. (NV)

I took a look at my credit report on XX/XX/2023 and seen that a numbers of inquiry was on my report. I called the reporting agencies to inform them that they were not mine and they did not remove them. THESE INQUIRY SHOULD BE REMOVED FROM MY REPORT XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-25
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)

XXXX had reissued a student loan listen to be completely fabricatedStory that they would consolidate the other loans with it so I could then return to school. Otherwise there would be zero, exactly zero reason to sign paperwork on a loan more than 23 years old. There should be no negative reporting from this loan as it is in the first place originated from XXXX XXXX XXXX University nearly 24 years ago. If they would like to attest to the validity then there is no way that they should be XXXX  and me late during XXXX at the beginning of a pandemic when the president himself said that school loans would be put off till the end of the pandemic however XXXX seems to think that students should suffer during these times and wishes to disobey law. XXXX of 2020 what is the beginning of when this country realized we were in trouble and businesses begin to lay off people including my business.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CO)

I left Wells Fargo in XXXX and have had an account with them since before XXXX. I left them because they would charge so many overdraft fees and take money from me repeatedly that I didnt even have ( making my- {$20.00} to XXXX or even less sometimes. It made it very hard to bounce back from not having anything. Frequently, I would file a complaint get them to reverse it, but most of the time, they were denied.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (IN)

Wells Fargo has not been in my town for a little while now I had to shut my account down because I went into cash a check it was almost {$1000.00} check past I asked them to deposit {$180.00} for a bill they deposited it {$180.00} and gave me {$180.00} in my envelope I will I drove right around went right inside they act like they didn't know where my money was I closed down my account and I've been trying to fight this case ever since it was like rough estimate of XXXX to 15 years ago that this happened Wells Fargo has not been in my town because of all the fraudulent stuff that they do they were removed from my town all of them
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (GA)

During the span of the time i was with Wells Fargo, i had multiple overdraft fees that were charged to my ACCT. my acct was low but i never went over my available amount, by the time Monday hit all the charges made were now negative and i was hit with these " SURPISE '' charges of {$25.00} every charge. Most of these charges were less than {$2.00} at the most. I work weekends and would make several charges and by Monday several hundred dollars a week would put me in the negative thus taking most of my check for the next week. I was with them roughly from XXXX to XXXX, i could be wrong on the years.
Consumer complaint received 2023-01-22
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. (IL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXccount # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX have all violated my rights .

15 U.S.C. 1681 section 602 A states that I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

I used my citi bank Master Card on the XXXX of this month to buy new Tires for my car XXXX it was paid by citi bank ... I get an email from citi bank saying my account has been closed as of the XXXX. I called today on the XXXX and spoke to Supervisor she told me my account is closed and I cant do anything about it she wants me to pull my credit again ( I asked why did the charge go through used it so it cant be cancelled ). I feel am being discriminated because of having good credit citi does not want to respect that I already used the card .... They should open my account without having to pull my credit ... ..
Consumer complaint received 2020-04-25
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (WA)

I sent a dispute letter on the reporting on certain accounts. They are reporting inaccurately and reporting one account that does not belong to me nor they can verify. This has been an ongoing issue for the past couple months and they keep saying its verified without giving me proper documentation and reporting inaccurately. There is regional acceptance auto loan they kept saying verified with no documentation, XXXX XXXX that I do not own and reporting inaccurate, inquiries that I mentioned that werent authorized at all and they could not provide and proof of documentation. Medical bill thats being report with an unknown source no name to the company.
Consumer complaint received 2019-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (WA)

XXXX hasn't allowed me to get my Experian credit report online since 2015 -- that's FOUR YEARS that I've had to get my reports by XXXX mail for no reason other than their own sheer incompetence. The big three companies ( including Experian ) are required by law to maintain XXXX as a functional site. Currently it's a broken pile of garbage that pretends to work but never does. Experian needs to be fined for letting their site be broken for FOUR YEARS. I didn't even get to the ID verification questions this time -- I just entered my name, address, SSN, selected Experian, and then got the error message. What an obvious farce!
Consumer complaint received 2020-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (GA)

Someone named XXXX called and told me she was from Chase Bank and they had noticed suspicious activity on my account from my debit card. She talked to me for a while, and knew my debit card number, address, etc, she told the information to me, she did not ask me to give the information, just the way Chase has done in the past when I have called them for something. 
The charges were to XXXX in Florida there were around 22 debits for {$100.00} each transaction. XXXX said that XXXX XXXX  would bring me a new card by XXXX the following morning, and that they were going to try to catch the people using the card, and they would freeze my accounts. She kept telling me not to worry. I believed her. I checked my checking account a couple of hours later, and saw that there had been no hold put on my account, so I put a lock on it. I had around {$900.00} The next day, XXXX XXXX did not come, and I decided to call XXXX at the number she had called me from. The man that answered said that it is XXXX XXXX. I told him that XXXX had called me from the number that I called and he said she wasn't in. I asked if she works there, and he would never say. I asked what affiliation they have with Chase, and he assured me there is no affiliation. I asked why XXXX XXXX would have my checking and Debit information, and he said he knew of no reason why. 
I called Chase after I hung up, and they didn't know anything about my debit card being illegally used the day before and that there was no record of a XXXX calling me. They told me it would take 10 days. 
All of this happened while the whole country is in lock down, and there is no possible way that I was in Florida when this happened. 
Today, XX/XX/2020, I received communication from Chase through online letter held at the bank, that they have put my account back like it was, but that I can not access the {$900.00} for my bills or any other reason, I have attached the communication, they said that my account is closed and I can not get the direct deposits of Supplemental Security Income checks that the joint owner of the accounts, has coming in every month. My house payment is automatically paid every month through that account, and it won't be paid either. They don't say anything about opening a new account. What am I supposed to do?
Consumer complaint received 2020-04-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: GLOBAL PAYMENTS DIRECT INC. (CA)

I did request a short term advance through Global Payments System at XXXX XXXX XXXX, however they never disclosed that they can report to the credit bureaus nor provided a timeline to pay before their company will submit as a collection to the credit bureau. I have never received any paperwork in writing USPS postal mail or via email nor text. I offered to pay in full the total amount of {$770.00}, mailed the cashiers check last year I believe on XX/XX/2019 with the request to delete from my credit file, but they contacted me by phone and refused my payment then sent it back to me via USPS postal mail. I need help in resolving this issue, because when I was at the casino none of their collection process was indicated at all and how can they report to the credit bureau without disclosing their collection practices? Global Payments telephone number is XXXX. Also, they have listed 2 different account numbers on my credit file for the same account when I requested two different amounts. 2 separate cash advances one for {$300.00} & {$400.00} ; but totals {$750.00} because they may be charging {$35.00} for each transaction as well. They do not disclose any information whatsoever regarding their collection practices.