davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-16
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. (TX)

Hello, I am trying to dispute charges on 2 Citi credit cards and having difficulty with both. The transaction date was XX/XX/XXXX in the amounts of {$8500.00} and {$5000.00} by XXXX XXXX XXXX. The merchant is shut down by the Federal Trade Commission and what was purchased was a commitment for the merchant to work with me until succeeding and earning what I have invested in the commitment. As soon as purchasing, I did not receive access to what was promised and learned the company was being investigated and shut down. I have provided Citi with loads of information including contracts, Court documents of the case, second-opinion letters, etc. I started both disputes in XX/XX/XXXX and now it is XX/XX/XXXX and things are still unresolved. I have tried to contact the merchant multiple times and they are not reachable as I have told that to Citibank as well. I have been keeping track of the disputes and the Citi representative that helped me the first time filed it as fraud instead of billing dispute which held things back and I had to file a dispute again for the second time on both accounts. Citi emailed me stating they have received a response from the merchant, which the merchant is not allowed to respond to any bank as they are shut down and due to Court orders. I have stated this to Citi and it seems like they don't care. I call Citi regularly and can never reach anyone and if I do the responses are always different. Over the course of the past few months, Citi has now said the disputes are resolved in the merchant 's favor and provided no documentation or reasoning behind it to me. I refiled the two disputes on XX/XX/XXXX and they were already resolved in a matter of a few days, again in the merchant 's favor without any reasoning. I have requested documentation to see what the merchant or merchant 's bank has sent to Citi and Citi is failing to provide that. I have requested call backs from supervisors, emails and letters of documentation and have not received any of those. I paid for a commitment to be held and it is broken by the merchant due to their fraudulent claims and promises. I am now left with a lot of debt from Citi and they want me to pay it even though I am not receiving any services from the merchant. I believe they are going against my rights as a consumer. Also, I charged this commitment on multiple credit cards with banks such as XXXX, XXXX XXXX XXXX, and XXXX and they have reimbursed me without any headaches and problems. Citi is the only bank I am having problems with and I have provided multiple documents of proof to only be left with no answers. I have called, emailed, faxed, and mailed documents to Citi -- at this point I am unsure an investigation of both charges/disputes were even conducted.
Consumer complaint received 2022-08-25
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: LEXISNEXIS (CA)

To Whom It May Concern : On XX/XX/XXXX, I sent a certified/notarized letter to LexisNexis asking them to remove a XXXX Bankruptcy from my credit file because I nor the XXXX XXXX XXXX Bankruptcy Court provided them consent to sell or provide XXXX, XXXX, XXXX XXXX with my Bankruptcy information. 

I advised them that they violated my rights by committing the below violations : 1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction In response to my letter, I received a letter on XX/XX/XXXX from LexisNexis that was dated XX/XX/XXXX & XX/XX/XXXX, they advised that the information was accurate and they found these accuracies sourced from their own company as well as PACER Service. 

I am filing this personal complaint because they continue to violate my personal rights and have not received any proof from the XXXX XXXX Bankruptcy courts or myself to allow them to sell my personal information. This is against the law and they need to remove this from my personal credit file and DO NOT sell my information any longer.
Consumer complaint received 2022-08-25
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. (NJ)

I have submitted various disputes to the three bureaus XXXX, XXXX, and Experian. My first letter was sent out XX/XX/XXXX and received by each bureau around XX/XX/XXXX and XX/XX/XXXX. The accounts being disputed are XXXX XXXX, XXXX Bank, and XXXX for error and inaccuracy. 

XXXX XXXX : XXXX : Balance- {$3000.00} Closed- XX/XX/XXXX XXXX : XXXX {$3000.00} Closed- XX/XX/XXXX Experian : Balance {$3000.00} Closed- XX/XX/XXXX XXXX : XXXX : Closed Account XXXX XXXX Closed Account Experian : Open Account XXXX XXXX : XXXX : Closed- XX/XX/XXXX XXXX : Closed- XX/XX/XXXX Experian : Closed- XX/XX/XXXX Due to 15 US Code 1681i 5 ( A ) ( i ), after reinvestigation of any disputed information from a consumer found inaccurate or can not be verified shall promptly be deleted.
Consumer complaint received 2022-08-25
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. (WA)

During a background check for a new rental, our property manager flagged that my credit score came back lower than what I had indicated it should be. Upon checking my credit report though Experian, I noticed there was an account that was listed as being in collections " XXXX XXXX XXXX XXXX  ''. I have never used any service from this company and did not even know if their name up to this point XX/XX/2022 I called XXXX XXXX  XXXX and confirmed with a representative that they had no information for me in their system. If they record calls, this should be in record. With that confirmation in mind, I filed a dispute through Experian on the same day. 

Today, XX/XX/2022 I received an update from Experian that the dispute has been completed and no changes has been made, meaning that XXXX indicated to Experian that the account was valid. This is not the case. 

Today, XX/XX/2022 I added a statement to the dispute through Experian that I have no knowledge of this account. 

I have emailed XXXX inquiring why they have indicated to Experian that the account is valid. 

This has dramatically affected my Experian credit score and want this resolved as soon as possible. 

Thank you
Consumer complaint received 2022-08-25
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. (NJ)

I have submitted various disputes to the three bureaus Transunion, XXXX, and XXXX. My first letter was sent out XX/XX/XXXX and received by each bureau around XX/XX/XXXX and XX/XX/XXXX. The accounts being disputed are XXXX XXXX, XXXX XXXX, and XXXX for error and inaccuracy. 

XXXX XXXX : Transunion : Balance- {$3000.00} Closed- XX/XX/XXXX XXXX : Balance- {$3000.00} Closed- XX/XX/XXXX XXXX : Balance {$3000.00} Closed- XX/XX/XXXX XXXX : Transunion : Closed Account XXXX XXXX Closed Account XXXX : Open Account XXXX XXXX : Transunion : Closed- XX/XX/XXXX XXXX : Closed- XX/XX/XXXX XXXX : Closed- XX/XX/XXXX Due to 15 US Code 1681i 5 ( A ) ( i ), after reinvestigation of any disputed information from a consumer found inaccurate or can not be verified shall promptly be deleted.
Consumer complaint received 2022-08-25
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. (NJ)

I have submitted various disputes to the three bureaus XXXX, Equifax, and XXXX. My first letter was sent out XX/XX/XXXX and received by each bureau around XX/XX/XXXX and XX/XX/XXXX. The accounts being disputed are XXXX XXXX, XXXX XXXX, and XXXX for error and inaccuracy. 

XXXX XXXX : XXXX : Balance- {$3000.00} Closed- XX/XX/XXXX Equifax : Balance- {$3000.00} Closed- XX/XX/XXXX XXXX : Balance {$3000.00} Closed- XX/XX/XXXX XXXX : XXXX : Closed Account Equifax XXXX Closed Account XXXX : Open Account XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX Equifax : Closed- XX/XX/XXXX XXXX : XXXX XX/XX/XXXX Due to 15 US Code 1681i 5 ( A ) ( i ), after reinvestigation of any disputed information from a consumer found inaccurate or can not be verified shall promptly be deleted.
Consumer complaint received 2022-08-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

The bank servicer is Wells Fargo I've been communicating with them for over a year and a 1/2 for a modification notification or refinance There's 16 complaints with the executive offices with Wells Fargo I sent in documentation Several times for a modification saying they never got the documentation Also sending letters stating that they did get the documentation Very contradicting evidenceWells Fargo has 3 different entities in regard to the process of modification or loss litigation Normal practices are just one department wells Fargo has 3 departments miss leading A year and a 1/2 ago they offered me a modification within 24 hours of getting the documents They wanted me to sign another 10 year note adding 10 years to the loan To save me {$13.00} in a modification which is which is designed for the bank to make more money And not as an act of helping the consumer In the pandemic cares act There's 16 complaints with the executive offices of Wells Fargo and none of them have been investigated or done anything with according to last employee with well fargo I just had hud US department of housing we did 3 way phone call phone on recorded line with Wells Fargo executive offices trying to talk to the person that holds the file for lending and unable to get ahold of the actual underwriter They do that so you go away As a deference tactic This file has been going back-and-forth and it's not being looked at at properly They're also sending me letters at the house stating they got all the documentation they need and contradicting with another letter stating that they didn't get all the documentation We recently did last year a recast with wells fargo because of my because my mortgage payment was way too high I had to sell my boat and car paid down XXXX to pay down loan with recast Wells Fargo would not Refinance me or Modify my loan but they took the recast money XXXX Saying that I don't qualify My credit score XXXX  XXXX I'm medically XXXX Unable to get back to work at this time Due to XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX the loss of my son and father The bank has no incentive on refinancing me or giving me a modification because they don't make any money they will lose money they are acting as both the bank and the bank servicer took that money and recasted my loan Due to my medical issues issues on XXXX XXXX the loss of my son and father
Consumer complaint received 2022-08-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (MD)

The account in question I was scammed out of in 2020. The scammer deposited checks adding up to around {$3000.00} ( I have never had this amount of money before in any account ever ) The money was then distributed to different accounts ( including XXXX XXXX payment for {$1000.00} ) The checks ended up being fake and the bank reversed the funds leaving me a negative XXXX dollar balance ( along with the inflated overdraft fees that were later applied ) The account was then closed. I never filed a dispute or was able to do much of anything about my issue, I played phone tag with the customer service there, they kept insisting that I had to pay that money back but it was never my money in the first place. I have not been able to open a bank account for the last two years and I still do not have the money to pay the bank back- which I should not have to nor want to do as this was a completely fraudulent event on my behalf
Consumer complaint received 2022-08-25
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. (NC)

XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX FLXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX     15 USC1681 602 STATE A CONSUMER REPORTING AGENCY I HAVE A RIGHT TO PRIVACY .15 USC.604 IT ALSO STATE A CONSUMER REPORTING AGENCY CANNOT FURNISH A ACCOUNT  WITH OUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2022-08-25
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. (NC)

I disputed these accounts on [ XX/XX/2022 ], Experian recieved the complaint on XXXXthe date of last activity shows 3 different dates even after your investigation. delete this account for FCRA non-compliance of inaccurate data being furnished on the consumer report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I disputed it 36 days ago and the required notice of dispute is missing. That indicates that there was not a proper investigation. Delete these account for failure to perform investigation per fcra regulations. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Ive attached my XX/XX/2022 credit report and appropriate documents to back up my complaint.
Consumer complaint received 2022-08-25
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 (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have written several letters in attempt to have a proper investigation performed on my behalf.I am suffering from XXXX and Iam in a severe financial hardships due to the failure of compliance on the behalf of the 3 credit bureaus.Several inaccurate items are still on my credit report after my investigation. 
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report and under 15 US code 1681e ( b ) and 15 US code1681i ( 5 ) these accounts are in violation of not reporting these accounts accurate.
Consumer complaint received 2022-08-25
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX I mailed a 2nd letter to Experian requesting inaccurate information be removed from my credit report. I was notified on XX/XX/XXXX that the information was received and I could view the results online. As I logged in to the view results I was advised I could NOT view results online and needed to call. I called In and was advised they could only update my address and then the new updated address is still INCORRECT! My address is XXXX XXXX XXXX XXXX, GA XXXX. I enclosed a copy of my drivers license, social security card and utility bill AGAIN and they have still refused to remove addresses that are not deliverable to me. From my understanding of the state and federal laws of reporting that no entity has the right to retain, report, transfer, sell or utilize any outdated, untrue, inaccurate, physically unverifiable, fraudulent, misreported and any not compliant information. 

I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any other addresses to be retained or reported, I am requesting Experian delete them NOW or produce proof of their legitimate authority to retain much less report inaccurate without infringing my consumer rights. 

The addresses Experian has listed are NOT DELIVERABLE TO ME and I am requesting the IMMEDIATE removal for the following addresses again : Address # 1 NO LETTERS XXXX, GA XXXX Address # 2 XXXX XXXX XXXX XXXX, Ga XXXX Address # 3 Unknown, XXXX, GA XXXX Address # 4 XXXX XXXX XXXX, XXXX, GA XXXX The removal of unverifiable and inaccurate information is a violation of federal statute!
Consumer complaint received 2022-08-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NY)

On XX/XX/2022 I received a letter from Midland Credit management regarding the account XXXX which claimed that I owed them {$11000.00} and thus far they have illegally taken XXXX The amount alone shows that interest rates in excess of the amount allowed by the SCRA and Military Lending Act have been applied. Further the denial and ostensible shrouding of the the perpetuated " law firm servicing '' is an unconscionable and illegal burden to put on a veteran of the untied states.. 

I state illegally, as all of the correspondence sent to me stated my account and seized payments had been turned over to a law firm for servicing. However the correspondence never identified said law firm, nor provided any way for my to request validation of the debt, make arrangements and make sure it is within legal collection timeframe. 

Further, as a veteran, they refused to provide me with a breakdown of the original debt and interest amounts, nor a legitimate avenue to procure the aforementioned. As shown in the attached payment statement from Midland Credit Management, This creditor has violated the SCRA, CFPB regulations and the Military Lending Act.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I have one existing credit card that shows late payments it has never been late one that was paid off and closed and it shows that it is still open by XXXX XXXX and that it was just a debt that was settled we paid it in full and I close the account because I didnt want to deal with XXXX XXXX  anymore it is still on my credit report
Consumer complaint received 2020-04-16
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: Scott Fetzer Financial Group Inc. (CA)

Unauthorized use of credit report and/or deceptive or fraudulent practices for obtaining credit report when companies indicate only a soft pull on XXXX and XXXX Credit Reports.
Consumer complaint received 2022-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

ON XX/XX/2022, A WITHDRAWAL FROM OUR ACCOUNT WAS MADE IN THE AMOUNT OF {$4000.00} AT A WELLS FARGO BANK, XXXX XXXX XXXX XXXX, XXXX, TEXAS, XXXX. WE LIVE IN FLORIDA. ALTHOUGH THIS WAS AN UNUSUAL WITHDRAWAL, NO ONE FROM THE BANK CONTACTED US. WE FOUND THE ISSUE WHILE PREPARING TO PAY BILLS AND FILED A FRAUD CLAIM. WE RECEIVED A LETTER FROM THE BANK DATED XX/XX/2022 THAT THEY WOULD NOT REIMBURSE US. THE BANK DETERMINED THAT IT WAS NOT FRAUD AND THAT I HAD TAKEN THE MONEY OUT, WITHOUT ANY CONVERSATION WITH ME. I ASKED FOR THE EVIDENCE ON A CALL TO THE BANK 'S CLAIMS ASSISTANCE CENTER-CHECK FRAUD CLAIMS DEPT ON XX/XX/2022 AND WAS TOLD BY " XXXX '' THAT IT WOULD TAKE 30 DAYS TO SEND WHAT ASSURED THEIR DECISION. THIS INFORMATION NEVER CAME. 

SHE TOLD ME AT THAT TIME THAT THEY HAD CCTV EVIDENCE AND " MY STATE ISSUED ID ''. I HAVE BEEN IN MY POSSESSION OF MY BANK CARD, STATE ID, AND WAS NEVER IN TEXAS. THE CCTV WOULD PROVE THAT IT WAS NOT ME AT THE BANK AND THE SIGNATURE COPY THAT WE GOT FROM THE BANK DOES NOT LOOK MINE. IT EVEN INCLUDES IN THE SIGNATURE MY MIDDLE NAME THAT I NEVER USE AND HAVE NOT USED AT THE BANK. WE WENT TO THE LOCAL BRANCH AFTER REPORTING THE CRIME TO OUR LOCAL POLICE AND OBTAINING A CASE NUMBER ( XXXX ) THAT INIATED A " POLICE REPORT '' ON XX/XX/2022. THE BRANCH MANAGER WOULD NOT RETURN THE MONEY AND TOLD US THAT WELLS REFUSED TO REOPEN THE CASE EVEN WITH THE KNOWLEDGE THAT WE HAD FILED A POLICE REPORT. WE ARE TOLD THAT THE CASE HAS BEEN TRANFERED TO TEXAS. ON XX/XX/XXXX, WE CLOSED OUR ACCOUNTS AT THE BANK. 

I AM FILING THIS CLAIM AGAINST WELLS FARGO IN ORDER TO HOPEFULLY GET OUR {$4000.00} REIMBURSED.
Consumer complaint received 2020-04-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

I have called Convergent outsourcing numerous of times asking for assistance to have this account disputed. I spoke to a representative the end of XXXX who advised they were going to call XXXX to dispute. I than recieve a letter on XX/XX/XXXX stating the account is valid and they couldn't remove the debt. I reached out to XXXX Collections on XX/XX/XXXX they advised the account was placed in collections in error. They advised the account was closed out and told me they were going to resolved the situation by reaching out to Convergent. I was told that Convergent outsourcing was going to send me a letter for proff of closure of the account. I called Convergent today XX/XX/XXXX to check the status and someone I spoke with said the balance was still owe. This is fraud and none if their team members are trying to assist. They are trying to make us pay for something that is not valid n I'm upset with run around they are giving. We don't owe any money and they refuse to closed the account which is negatively impacting my credit score.