davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$4200.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXX XXXXXXXX Balance XXXX {$1100.00} XXXX XXXX XXXXXXXX Balance : {$4200.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$230.00} XXXX XXXX XXXX XXXX : {$1100.00} XXXX XXXX XXXX XXXX : {$4200.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ProCollect, Inc. (TX)

I reviewed my credit report and noticed these fraudulent accounts were reported by these third-party companies without my authorization. I have never done any business with these companies nor have I the consumer given these companies written or verbal consent to share my nonpublic personal information with non-affiliate data-furnishing companies. these companies are not only violating 15 U.S. Code 6802 and The Family Privacy Protection Act of 1974, but it is also preventing me from obtaining credit for my personal and household needs.
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

{$2100.00} was charged to my Wells Fargo Checking account for XXXX tickets. I did not authorize nor did I allow anyone to use my account or card. 

Wells Fargo denied these charges on XXXX
Consumer complaint received 2023-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I have a Citibank XXXX XXXX card. 

My XX/XX/XXXX statement had a {$1600.00} balance, which I paid via paper check and put in the mail on XX/XX/XXXX. My bank is XXXX XXXX XXXX XXXX. 

This check was cashed twice by Citibank : XX/XX/XXXX Check # XXXX, tracer # XXXX XX/XX/XXXX Check # XXXX, tracer # XXXX Citi bank statement XX/XX/XXXX - XX/XX/XXXX showed that XXXX was paid ( XXXX twice ) and XXXX credit applied. 

I called Citi bank and requested the credit be reversed, and a REFUND be sent to me. 

Citibank reversed the credit and never sent me a check. I am still owed XXXX. 

I have called every few days for XXXX  months with no resolution. Each call lasting approximately XXXX min since XXXX. I have not been able to work while on these phone calls. 

On XX/XX/XXXX, Citibank requested proof that a refund was not sent to me. 
I sent XXXX ( accounts manager at XXXX ) a FAX which was a XXXX history of my checking account transactions ( XXXX pages - which I was told the {$24.00} would be reimbursed ). 

No response to FAX or investigation from Citibank. 

Since XXXX, Citibank has claimed the issue is under investigation. I have spoken to at least XXXX managers, multiple service call individuals, yet no resolution to date.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I reviewed my credit report and noticed these fraudulent accounts were reported by these third-party companies without my authorization. I have never done any business with these companies nor have I the consumer given these companies written or verbal consent to share my nonpublic personal information with non-affiliate data-furnishing companies. these companies are not only violating 15 U.S. Code 6802 and The Family Privacy Protection Act of 1974, but it is also preventing me from obtaining credit for my personal and household needs.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NCB Management Services Inc. (TX)

I reviewed my credit report and noticed these fraudulent accounts were reported by these third-party companies without my authorization. I have never done any business with these companies nor have I the consumer given these companies written or verbal consent to share my nonpublic personal information with non-affiliate data-furnishing companies. these companies are not only violating 15 U.S. Code 6802 and The Family Privacy Protection Act of 1974, but it is also preventing me from obtaining credit for my personal and household needs.
Consumer complaint received 2024-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CARD Corporation (MN)

Had some fradulant transactions on my Card.com premium Card and disputed it with them with police report and all information that is was fradualant. and they denied my disputed. refused to give my money back and closed my account which hurt my credit and cant open any new accounts.
Consumer complaint received 2024-02-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Absolute Resolutions Corp. (NV)

Absolute Resolutions Investment LLC has threatening to sue me for the amount of {$2200.00} that was already sent to A 3rd Party Collection Agency. According to FDCPA these actions are in Violation.
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CHARLES SCHWAB CORPORATION, THE (NV)

I bank with Schwab so I rely on brick and mortar banks to withdraw cash. On XX/XX/2023 around XXXX, I withdrew money from the XXXX XXXX drive-through ATM located at XXXX XXXX  XXXX XXXX, XXXX XXXX, NV XXXX. I selected {$250.00} to withdraw but only received {$200.00} with no receipt. I drove my car around to the front and parked. I first opened my Schwab account to confirm the amount withdrawn. It said {$250.00} ( the {$250.00} + {$3.00} ATM fee ). Then I went inside to report what happened to a human. I waited in line for XXXX minutes, then spoke to a teller and his colleague who asked me a few questions then provided me a business card. I was told ATMs are handled by a third party, so there is nothing anybody in the bank could do to help, and that I need to report it to that number. At XXXX, I went to my car and called the number on the card. I was told that I need to dispute this with my own bank as they couldn't do anything to help me since I'm not a XXXX XXXX customer. At XXXX, I called Schwab and opened a dispute claim. On Wednesday, XX/XX/XXXX, I was notified that the investigation was completed and denied. XXXX XXXX provided a paper copy of their records that the correct amount was distributed. I called Schwab at XXXX to follow-up, asking if they are able to ask for video evidence, as that would prove the full amount was not dispensed. I was told I need to talk to XXXX XXXX as Schwab will not re-open the case without additional evidence. I called XXXX XXXX at XXXX. I was told again and again that they can not help me unless I am either ( a ) a XXXX XXXX customer; or ( b ) the bank. I was told I need to talk to my own bank for any further action. I called Schwab again at XXXX and explained that XXXX XXXX is not willing to work with me since I'm not a customer, but would work with the bank. I asked if they are able to ask XXXX XXXX for the video, as I have the exact date, time, and location of the ATM withdrawal. The Schwab agent told me again that the case will not re-open without additional evidence from myself. I filed a CFPB complaint against XXXX XXXX on XX/XX/XXXX, and again on XX/XX/XXXX due to their failure in addressing my ask.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (VA)

Experian has been notified on multiple occasions that the information they are reporting regarding bankruptcy. No valid bankruptcy. Please remove this from my credit report. I have also contacted XXXX XXXX  and confirmed that they have not verified any such information with you.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-03-27
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: Mr. Cooper Group Inc. (MD)

This is a sad day in the world of finance when you realize that misleading, false, and deceptive, practices are being used by someone that you trusted to operate ethically. This used to be the exception which has now become the rule of standard operating procedures. 

Nationstar dba Mr. Cooper has been the servicer of my Loan since XXXX and for over XXXX  years. Due to numerous and continuing issues surrounding my Mortgage Loan, I reached out to Mr. Cooper to sort things out which led to a request for validation of my Loan because all data provided/reviewed thus far, the Promissory Note and Deed of Trust is still linked to XXXX XXXX ; although advised by Mr. Cooper that they own the PromissoryNote and Mortgage Loan. WHY? 

In addition, all the documents provided by Mr. Cooper ... the Promissory Note and Deed of Trust has XXXX name on them. The dates on the documents provided by Mr. Cooper date back to XXXX through XXXX. 

Mr. Cooper has not provided One single piece of evidence/documentation that I requested that will validate the Loan ( a ) The source from which/where the financing/funding was obtained ( checks/Financial Records to support or solidify the source of the loan ). The documents only refer to a Security Instrument and no name of a Lender orSource. ( b ) Mr. Cooper has not provided the Promissory Note with the Wet Ink Signature ; I don't believe they have one.

What is concerning and equally disturbing is the fact that the Deeds of Trusts forwarded to me in correspondence from Mr. Cooper XX/XX/XXXX. XXXX and XX/XX/XXXX contain Deeds of Trust that have been Altered/ manipulated via handwriting crossing out Unisource and adding XXXX XXXX XXXX XXXX XXXX XXXX as Trustee. In addition, XXXX was hand written at the top of the Deeds. Mr. Cooper forwarded a Certified copy of the Deed of Trust that has not been manipulated which I am sure has to be against the law. ( See the attached ) To add Insult to Injury, I received correspondence from Mr. Cooper dated XX/XX/XXXX advising that my Mortgage Loan has been sold to FannieMae. I reached out to XXXX by phone and it was confirmed that the loan was sold XX/XX/XXXX. The timing of the sale is indeed questionable ; my loan was sold 5 days after I filed a UCC1 Financial Statement in an effort to get answers/information that Mr. Cooper would not provide. Mr. Copper was buying time advising all along that they will provide the documentation that I requested. Mind you, my initial request for validated started XX/XX/XXXX. 

Mr. Cooper was determined not to provide validation.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: First Technology Federal Credit Union (FL)

FIRST TECHNOLOGY FCU. 
Is a federal bank. Where they are blaming me for to pay a debt that is not mine nor belong to me as I was a victim of fraud back in XXXX. 

They sold the debt to 2 collections company. XXXX & XXXX XXXX XXXX. Which they close and settle the debt. {$0.00} balance. I have letters to prove. Account settle with fraud identity theft XX/XX/XXXX. 

FIRST TECHNOLOGY FCU. Has re-open a close account which was settle closed {$0.00}. XX/XX/XXXX. In order to collect interest on account. AFTER four years being closed on XX/XX/XXXX. The closed account has appear again randomly open {$8800.00}. Under my credit bureaus affecting my score lowering to XXXX points and my credit card company XXXX deducted me {$10000.00}. Dollars of credit line due to this ilegal incident from FIRST TECHNOLOGY FCU. 

I have contacted them they said is my fault and I have to pay that money to them. A lost stolen funds and identity theft done to me back in XXXX. I have police report and a supposedly consulting company which stolen my information NEVER received service defrauding and opening several accounts under my name including a chase account which I have never had. I demand help this is a burden with my credit score and credit lines. I was a victim of fraud and identity theft, the debt was settle and close with the two credit collections companies mentioned above and FCU have been doing unlawful matter keeping re-opening closed accounts close case which has been closed 4 years ago XX/XX/XXXX FCU is not relying in consumer regulations. 

Please, need help into removing this from my credit report.
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (MN)

Comenity Capital Bank offers a 6 month promotional pricing plan for XXXX tickets. The plan offers XXXX months of no interest charges if paid within XXXX months. Comenity starts the promotional pricing period from the date of purchase, not the date of billing. The end effect is that my XXXX month promotional period is not actually XXXX months. 

Purchase Date : XX/XX/XXXX Billing Due Date : XX/XX/XXXX Promotional End Date : XX/XX/XXXX " IF YOU DO NOT PAY YOUR XXXX MNTH WAIVED INT, PMT REQUIRE PLAN BALANCE OF {$2000.00} BY XX/XX/XXXX ANY REMAINING BALANCE WILL BE ASSESSED INTEREST AT THE STANDARD PURCHASE XXXX. '' Under standard billing, I would not be charged interest on my XX/XX/XXXX purchase unless I failed to make my XX/XX/XXXX payment in full. If I make XXXX equal payments of the XX/XX/XXXX charge, starting with my first bill ( XX/XX/XXXX ) then I will have a shortfall when my promotion expires on XX/XX/XXXX. The 6 month promotional period should not end until my billing due date of XX/XX/XXXX. I would like an explanation from Comenity to clarify why their statement is suggesting I have less than 6 months to pay off the balance on the promotional rate.
Consumer complaint received 2023-10-04
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: CREDIT CONCEPTS, INC. (WA)

Credit concepts is ripping off subprime consumers. I purchased the vehicle at XXXX  XXXX, put down XXXX  XXXX and made monthly payments of {$300.00} for XXXX years then they garnished my wages of XXXX  XXXX biweekly and how do i still owe more than the original loan amount? They are still reporting it to my credit report. So where did all the money I paid into this loan go? 

It is now XXXX and they are still chasing me but have charged me {$7900.00} in interest alone and showing I still owe {$10000.00} in principal balance. XXXX XXXX and XXXX XXXX discriminated against me called me XXXX slurs over the phone. XXXX XXXX just hung up on me when I was explaining how his representative was being XXXX to me. This is a lemon vehicle that i voluntary turned in they sold for {$100.00} from XXXX. They have violated consumer laws by not even telling me where the vehicle was auctioned off at. Because I would have definitely bought it back for {$100.00} especially if they are charging me {$17000.00} today. The interest rate is excessive they have no explanation why they are charging me. XXXX XXXX and XXXX XXXX made XXXX slurs against XXXX people directing to me. Credit concepts made illegal corrections tk my balance because what I have does not reflect what they have. I have emails from different reps providing me with different amounts owed. XXXX year they said you owe {$10000.00} and now I owe {$17000.00}. This is scam and they are ripping off subprime lenders! {$17000.00} is the price of a brand new vehicle! So basically I am paying {$17000.00} for a XXXX XXXX XXXX. They are not even worth {$17000.00} today. This is the same company that did fraud and was stealing from customers and got sued! They have history of violating consumers rights and excessive charges. Accounting department needs to get audited. This is discrimination.
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: ATLANTIC UNION BANKSHARES CORPORATION (VA)

XX/XX/XXXX, I contacted Atlantic Union Bank via live chat, for documentation purposes, and asked for a letter explaining each overdraft fee in the last six months, with attention to fees that accrued overnight, in which no further purchases were charged to the account. I was told by their employee XXXX, that no such letter can be provided. 

In the last six months I have been charged {$1000.00} in overdraft fees. Over the last 12 months that total has been over $ XXXX. I was previously part of a class action lawsuit that has since been settled, but my concern continues as I believe they are wrongfully charging overdraft fees blindly, even during Covid. 

Their phone app is critically behind on account updates, which is another cause of over spending on behalf of the customer. Other bank account balances are updated within minutes. The account balances on this app are delayed and can lag up to 48 hours plus. At this rate, by the time you are aware of your actual balance, you are behind, and it becomes nearly impossible to catch up. 

I have documentation of the conversation with the representative from XXXX XXXX which I can provide upon request. I am providing the overdraft amounts from the last six months below : XX/XX/XXXX- {$110.00} XX/XX/XXXX- {$110.00} XX/XX/XXXX- {$38.00} XX/XX/XXXX- {$220.00} XX/XX/XXXX- {$190.00} XX/XX/XXXX- {$340.00}
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-26
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (TX)

I am filing this complaint because my Victoria 's Secret store card was closed. When I called to inquire about the reason for the closure, the representative informed me that it was closed due to inactivity. I asked if she could reopen my account, to which she responded that she would not be able to do so without pulling my credit again. Therefore, according to CFR Part 1026.11 ( 2 ) ( B ) states : " Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance, or balance transfer ) and if the account has no outstanding balance. '' This implies that they should not have closed my account due to inactivity. Additionally, by informing me of the closure, they are still selling my security, which was generated when I filled out the application, as applications can be transferred to third parties. This process securitizes the application, allowing them to sell it on both primary and secondary markets. 
12 CFR Part 1002.2 Definitions 12 CFR Part 1002.2 ( A ) Account - means an extension of credit. When employed in relation to an account, the word use refers only to open-end credit. 12 CFR Part 1002.2 ( F ) Application - means an oral or written request for an extension of credit that is made in accordance with procedures used by a creditor for the type of credit requested. The term application does not include the use of an account or line of credit to obtain an amount of credit that is within a previously established credit limit. A completed application means an application in connection with which a creditor has received all the information that the creditor regularly obtains and considers in evaluating applications for the amount and type of credit requested ( including, but not limited to, credit reports, any additional information requested from the applicant, and any approvals or reports by governmental agencies or other persons that are necessary to guarantee, insure, or provide security for the credit or collateral ). The creditor shall exercise reasonable diligence in obtaining such information.