davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-05
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. (NY)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tied XXXX XXXXXXXX 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  XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (DE)

On XX/XX/XXXX Transworld Systems contacted me about a hospital debt for a procedure in XXXX at XXXX XXXX. They said that my XXXX XXXX XXXX only covered {$60.00} and that I had an outstanding balance of $ XXXX that I needed to pay. I explained that I had not had any procedures done and that I do not go to that hospital. I contacted my medical insurance, and they did not have a record of me going to XXXX XXXX let alone having a procedure done. I also checked my credit report and do not have any collections. I told Transworld representative that it appeared to be a fraudulent claim. They said they would investigate and send me a response. I know that collection agencies sell to other collection agencies, and I would like this to stop before it actually reaches my credit report. I am afraid that they may try to garnish my wages and tack on fees for something that never happened. Transworld called me from XXXX
Consumer complaint received 2022-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

Two fraud checks cashed by Wells Fargo. The second cleared out XXXX % of my account balance. Neither was signed, nor endorsed by me. Both looked virtually modified with copy+paste grey typed boxes and all white background. Both checks no. XXXX. The Pay To does not match the stamp on the back of the check. The bank can only tell me it should have been checked and not cashed and somehow it was. I should protect my account number. 

I have had accounts with this bank for more than 25 years.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (FL)

XXXX XXXX. XXXX. ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information Is inaccurate. 


After reviewing my report I must inform you that I am NOT responsible for none of the Bank accounts listed on my report as I have been a victim of identity theft. 
I have already notified both my local police department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Please delete all of the bank accounts negatively impacting my credit report immediately! Ive sent out numerous letter to both Early Warning and the XXXX asking for proof showing that these accounts are mine and neither companies has responded to my request i demand that they both delete all inaccuracies off of my reports immediately or I will be forced to hire an attorney and seek legal fees for the stress this has caused me. 

Thank you, XXXX XXXX
Consumer complaint received 2024-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BSI Financial Holdings, Inc. (PA)

BSI Financial Services is holding my XXXX payout to repair my home XXXX XXXX XXXX XXXX. I received an inspection as part of their process to receive funds to pay my contractors on XX/XX/24. I call roughly every two days to ask for progress on releasing my money and have never once received a call back or assistance in receiving my money. I have massive bills coming my way and desperately need this money. After 20+ unanswered calls/voicemails in the last 5.5 weeks I have no idea how to resolve this issue without resorting to these complaints.

BSI Financial Services are bad actors and need to be held accountable for the way the take advantage of people who have suffered from XXXX  or other catastrophe.
Consumer complaint received 2022-11-28
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: WELLS FARGO & COMPANY (NC)

I filed a claim/ dispute with my Wells Fargo credit card concerning a purchase that was made to XXXX XXXX for carpet and installation around XXXX 2022 for {$2700.00} However, the carpet is obviously defective and Ive made numerous attempts to rectify this problem by requesting a refund for XXXX. Since the company XXXX XXXX has failed to assist or address this carpet issue Ive then turned to my bank credit card company XXXX Wells Fargo ). This issue I with Wells Fargo is that they have failed to take responsibility for any errors that has taken place in the handling of my dispute. They have stated to me during our phone conversations that I could file a dispute, took my information and filed the dispute. However since this dispute was file they have issued a credit for {$1300.00} took it back then I filed a 2nd dispute for the above dollar amount of {$1400.00} they credit that amount back to my card yet they removed it as well. They continue to give me false misleading information concerning my dispute. Ive was even told by their representative that they made a mistake with filing my dispute and not to worry because it was their fault. My carpet is just 4 months old. I have defected carpet in my home that XXXX XXXX nor Wells Fargo is doing anything to help me. I would like a full refund for the total amount or @ least the {$1400.00} since its definitely not fair to have to deal with looking at defective merchandise.
Consumer complaint received 2024-09-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

XXXX XXXX VIA transferred an account, that they claimed belonged to me, to a company called Portfolio Recovery. I have asked them to provide me with proof of my debt and they have not provided me with any proof. XXXX XXXX has been debiting my account of {$5.00} and have yet to provide me information on the debt. 

The amount of {$5.00} will no longer be taken from my account as I will be closing the account TODAY. 

There are multiple fraudulent activities on my account and this company has obtained my information without my permission and has NOT provided ANY evidence that this debt is owed by me.
Consumer complaint received 2022-11-28
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. (TX)

On XX/XX/2022 I received a payoff from XXXX of {$17000.00} on my credit card account. I then paid {$17000.00}, 100.00000 % of the payoff amount quoted. Note, not 99.99 % of the account but PAID OFF TO THE PENNY. XXXX however provided an incorrect payoff amount to me. They later provided {$17000.00} which was the correct payoff amount. Hence the amount I was provided earlier was {$20.00} too low, an incorrect amount. As soon as I knew that we underpaid XXXX, I immediately paid the {$20.00} which obviously was not an issue given that I had just paid such a large sum. XXXX then reported to all credit bureaus the late payment of {$20.00} which we paid them 59 days after we learned they had given us an incorrect amount earlier. Paid in full should be paid in full. Our request of XXXX is to note that the " Consumer disputes late payment '' to allow the credit bureaus to not count this " late '' payment in our XXXX score. XXXX should not be allowed to give 100 % payoff amounts and later punish consumers for their mistake. This is factually and morally wrong. 
XXXX agreed that the payment was in full and refunded my payment of the {$20.00} - see attached file.
Consumer complaint received 2022-11-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synerprise Consulting Services, Inc. (TX)

On XXXX I've filled a compliant against Synerprise Consulting Services regrading their violations of FDCPA and HIPPA. The case number is XXXX. Until today, Synerprise Consulting Services still unable to provide debt validation and a copy of my signature with XXXX XXXX  to release my medical information to Synerprise Consulting Services. 

On XX/XX/XXXX, Synerprise Consulting Services did respond my compliant with CFPB, and agreed to remove and delete this collection from the three major credit bureaus. However, until today, Synerprise Consulting Services didn't make any requests to remove or delete this collection from any of the three major credit bureaus, instead of they made a new report to XXXX on XX/XX/XXXX regarding this collection. 

I demand that above-mentioned derogatory item be permanently removed from my report from all three major credit bureaus immediately. Otherwise, I will fill the case with XXXX XXXX small claim court and Federal court to seek damage from Synerprise Consulting Services.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/2022 I received a payoff from USAA of {$17000.00} on my credit card account. I then paid {$17000.00}, 100.00000 % of the payoff amount quoted. Note, not 99.99 % of the account but PAID OFF TO THE PENNY. USAA however provided an incorrect payoff amount to me. They later provided {$17000.00} which was the correct payoff amount. Hence the amount I was provided earlier was {$20.00} too low, an incorrect amount. As soon as I knew that we underpaid USAA, I immediately paid the {$20.00} which obviously was not an issue given that I had just paid such a large sum. USAA then reported to all credit bureaus the late payment of {$20.00} which we paid them 59 days after we learned they had given us an incorrect amount earlier. Paid in full should be paid in full. Our request of USAA is to note that the " Consumer disputes late payment '' to allow the credit bureaus to not count this " late '' payment in our XXXX score. USAA should not be allowed to give 100 % payoff amounts and later punish consumers for their mistake. This is factually and morally wrong. 
USAA agreed that the payment was in full and refunded my payment of the {$20.00} - see attached file.
Consumer complaint received 2023-07-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (NM)

I have previously submitted a complaint and spoke with numerous Wellsfargo employees trying to close an account that should have been closed a long time ago. I spoke with a WF employee in the complaints department after my last complaint who said I can go into a branch to close the account. I went into a wellsfargo branch on XX/XX/2023 to close the account. After waiting in line for 30 minutes the teller told me they couldn't help me and asked me to put my contact information on a sticky note and someone would call me. I left frustrated and immediately called the customer service department and told them what happened and that I want to close the account. The person was confused as to why the teller said they couldn't help me and said that they would be glad to help me with it. He read me all the closing procedures and I agreed to all of it. He said I would receive closing papers in the mail in three weeks or so. I waited and nothing came in the mail. I came home the other day to a statement in the mail dated XX/XX/2023 that is for the account. I was told this account was closed by the customer service agent on the phone. Judging by the statement it is still not closed and it has been two months since that phone call.
Consumer complaint received 2022-11-28
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

On XX/XX/2022 I filed a complaint via the CFPB portable against Nissan Motor, I included my name and address along with the issue I was facing. On XX/XX/2022 I got a response which I will attach stating the inability to respond to my request due to the information provided. I am unsure how they could not find my account. I had requested a copy of my original contract and along with the complete payment history for the duration of the loan. 
Here is my Social Security # XXXX so they have no excuse in not finding my account.
Consumer complaint received 2022-11-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (GA)

I mailed a valid money order in the amount of {$210.00} to Honda Financial Services for a payment for my automobile loan payment. The money order was undamaged when I mailed it. They sent it back to me, however the left end of the money order had clearly been cut completely off by a letter opener when their office opened the payment. They are refusing to post the payment even though they are at fault. They told me I only had a few choices, I could mail them yet another payment or I could do a payment by phone. I demanded to speak with a supervisor and I was told they would have to call me back at their convenience. They refused to give me a direct phone number or extension number for a supervisor and refused to give me the name ( s ) of the supervisor ( s ). They said someone would call me back in about XXXX or so. I told them I wanted this matter cleared up today. They have been calling and harassing my husband for the past 2 or more weeks for the payment when they had the payment in their office.
Consumer complaint received 2022-11-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

This was not sent inadvertently or by any other person than me ; I am a consumer by law, and thanks to Equifax 's misuse of my information during a data breach, some of the accounts and things on my credit report are not completely true. That improper handling of my credit profile was unethical.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (FL)

My social security number, drivers license and business ID was illegally used by my sister and husbands tax preparer for their personal gains. I paid him XXXX XXXX dollars on XX/XX/XXXX to help get me some type of aid and assistance that will help my business thrive without the stress of constantly working XXXX hrs a week. Throughout that process of waiting, my fiancs brother stole my wallet not even six months later, due to his lack of accountability in our friendship. I have XXXX growing sons that I work hard to keep out of the realms of the vanity that exist this world. Crazy thing is once I told him No for the first time he steals my wallet and piles onto the compile of defrauding the XXXX and other lenders for illicit. I finally checked my credit score and noticed an extreme amount of inquiries. Just received a business credit report just to see my tax were altered from XXXX til now. Help please.
Consumer complaint received 2023-07-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TX)

I opened account with the promotional giveaway of getting XXXX XXXX XXXX points once the requirements were mer. The disclosure states all points will be credited to XXXX XXXX account within 30 days of meeting all requirements of the promotion. I met all requirements over 40 days ago and have tried having bank fix the issue multiple times without success. Each time the agent says all requirements were met such as the direct deposit and debit card transaction requirements.
Consumer complaint received 2022-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (OR)

I have been contacting Wells Fargo for at least 6 months about this problem. Someone else with my last name is using my address to get a credit card and is now applying for a loan. I asked Wells Fargo a dozen times to fix the address. I even found his real address online and told them. They said they can't fix the address. What???? Their best advice - their only advice- was to mark his envelopes " return to sender. '' I did that - and now he's taking out a loan. Wells Fargo said - after XXXX hours straight on the phone by XXXX of us using different phones - that it could only be fixed by a branch. I went to XXXX branches. All of them said they couldn't help. I complained again. Wells Fargo wrote me and said : As far as we know he's not using your social security number. Then how come he's using my address to get a loan now? I warned Wells Fargo months ago that he was just slowly escalating into my credit. They found the time to reply with a XXXX page single spaced letter about how they couldn't fix the address. What??? Wells Fargo has to be the XXXX XXXX XXXX XXXX XXXX bank in the world.
Consumer complaint received 2023-07-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (FL)

XX/XX/XXXX I had issues logging into my account and had customer service get me reactivated, however due to this Citibank keeps flagging my account. That same day I tried to transfer funds out of my account after telling them I would be doing so. 
My transfer was cancelled and the website told me they were closing my account. I called on XX/XX/XXXX, was granted access to my funds ( over XXXX ) and was told all I could do was a wire transfer of XXXX, and they told me they could not close my account, after being on hold for hours, talking to multiple representatives and being hung up on. So I paid them money to wire the money out. 
XXXX XXXX they have removed access to my savings account again, although no fraudulent activity has happened, and I am not even sure the wire transfer will go through, and I have been charged {$25.00}. I want to close my account but nobody will help me and now I can't even access my own money. They are holding hostage my life savings and I can't get to it. Nobody seems to be able to help, and I just keep getting passed around. I have pleaded with them multiple times that I need this money desperately. 
I am scared I have lost my entire savings and I can't even figure out why, I have been a customer for years, and never had issues with credit cards. I have only ever tried to take out money this one time and now I can't access it.
Consumer complaint received 2022-11-28
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: Resurgent Capital Services L.P. (FL)

LVNV funding continues to report an inaccurate and unverifiable account on my credit report. They continue to sell it within their own companies, as they have multiple llc 's. And this is negatively affecting my life and ability to acquire financing. 

According to the FCRA 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 : States a consumer reporting agency can not furnish a account without my written instructions. 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.