davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont recognize these inquiries XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$10000.00} ; DPT EDXXXX XXXX Balance Owed : {$24000.00} ; XXXX XXXX Balance Owed : {$6300.00} ; DPT EDXXXX XXXX Balance Owed : {$2000.00} ; DPT EDXXXX XXXX Balance Owed : {$3000.00} ; DPT ED/XXXX XXXX Balance Owed : {$3000.00} ; DPT EDXXXX XXXX Balance Owed : {$1800.00} ; DPT EDXXXX XXXX Balance Owed : {$3500.00} ; DPT EDXXXX XXXX Balance Owed : {$6800.00} ; DPT EDXXXX XXXX Balance Owed : {$4900.00} ; DPT EDXXXX XXXX Balance Owed : {$3200.00} ; DPT ED/XXXX XXXX Balance Owed : {$21000.00} ; DPT ED/XXXX XXXXXXXX Balance Owed : {$4000.00} ; DPT ED/XXXX XXXX Balance Owed : {$7000.00}.
Consumer complaint received 2019-11-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gurstel Law Firm, P.C. (IA)

I found out that I had been sued by XXXX XXXX XXXX through an attorney who had researched my records online. 

I have been communicating with XXXX via email. I was laid off in XXXX and I now have a new job with a significantly decreased income. I advised them of this and proposed a new payment. I also advised of a proposed payment plan and that I had a cease and desist in place for phone calls. The debt has changed hands many times and the Gurstel Law firm began contacting me daily. I contacted Gurstel and left a voicemail on their collection department because no one is available. 

Although this debt is valid, it has been hard to work with many of the various creditors. Even though I have taken steps to communicate, the company does not seem willing to work with me. 

The debt was originally owed to XXXX and is referenced as such in the attached letter.
Consumer complaint received 2020-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 
XXXX XXXX XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX XXXX  Closed Closed on XXXX  XXXX, XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX Closed Closed on XX/XX/XXXX XXXX  Closed Closed on XX/XX/XXXX submitted the ftc violations 30 days ago
Consumer complaint received 2019-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (WI)

I looked up my credit report and there is a debt on my credit report that is not mine. I have never had any type of debt with this company and do not know why they are reporting that I owe them. I have received several phone calls from them all times of the day and the phone calls are always very threatening. I have asked that they stop contacting me and that I do not owe them any money. The phone calls have continued and the debt is on my credit report and negatively affecting my credit. 

The company is Jefferson Capital Systems Amount : XXXX JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
Consumer complaint received 2023-08-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OR)

I hope this message finds you well. I am writing to appeal the permanent limitation that was placed on my PayPal account ( email address : XXXX ). I believe that this limitation is a result of a mistake and that my account has been wrongfully restricted. I assure you that I have always complied with PayPal 's policies and have not engaged in any activities that violate your terms of service. 

I am kindly requesting PayPal to re-investigate my case thoroughly and with utmost attention. I have been a loyal PayPal user and this account has been an essential tool for both personal and business transactions. The limitation has caused significant inconvenience and disruption to my financial activities, and I sincerely hope for a fair resolution. 

I understand the importance of maintaining a secure and trustworthy platform for all users, and I support PayPal 's efforts to combat fraud and unauthorized transactions. However, I am confident that there has been an error in this specific case, and I kindly ask that you grant me the opportunity to demonstrate my compliance with all PayPal policies. 

I kindly urge PayPal to reconsider the decision and to restore my account to its full functionality if your review finds no evidence of any policy violations. I assure you that I will continue to adhere to all the rules and regulations set forth by PayPal and conduct my activities in accordance with your policies. 

I greatly appreciate your time and attention to this matter and look forward to a positive resolution. If you require any additional information or clarification, please do not hesitate to contact me at the email address provided in my account.
Consumer complaint received 2019-11-20
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: TOYOTA MOTOR CREDIT CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 XX/XX/2018 XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2019-11-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Suttell, Hammer & White, P.S (CA)

I sent the offices of Suttell & Hammer a debt verification letter in XXXX of XXXX. In my letter I requested documents that would provide proof of said debt. These documents included the following. 

Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

On XX/XX/XXXX, Suttell & Hammer replied to my letter by sending only one of the documents ; Billing Statements. 

In my letter I stated the following ; Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents Since I did not receive the adequate documents I needed to verify this debt, I did not respond. It was stated in my letter that I would not process their claim if the documents were not supplied. 

On XX/XX/XXXX my roommate notified me that a man attempting to serve me a lawsuit had come to our home in XXXX XXXX. I was not at home to accept the lawsuit. I assumed, rightfully, that Suttell & Hammer were the ones behind the suit. I contacted their office on Tuesday, XX/XX/XXXX and was told by an account manager that " What they sent was what I was getting '' when asked why they did not provide the documents that i requested, he responded " You can use all the legal jargon you want, but what you got from us is what you are getting. '' He then transferred me to a voicemail. I emailed the attorney who had sent me the reply letter on XX/XX/XXXX, XXXX XXXX XXXX. I informed her that the verification was not complete and asked why the documents were not sent. I then called back and spoke to another associate who then informed me " Because of your email, the service of the suit has been cancelled '' My complaint is unfair debt collection practices as well as using intimidation tactics to influence the actions of an alleged debtor. Filing a lawsuit with full knowledge that the debt verification process was pending and incomplete as well as refusing to provide documents that would verify the debt, is, in my opinion harmful to me.
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

I have a XXXX XXXX Credit Card ( Synchrony XXXX ) that ends in XXXX. I am writing you today requesting support in resolving XXXX issues and concerns. 
The first concern and issue is that I have not been issued a refund ( {$240.00} ) to my credit card. A refund from XXXX ( XXXX # XXXX ) was issued on XX/XX/23 and cleared on XX/XX/23. When I contacted the XXXX XXXX number, the customer service operator advised me that a refund had not been processed and that I would need to contact XXXX for further assistance. I contacted XXXX, and they supplied me with some supporting documents and information that support my claim that I did return some items and that I was owed a refund. XXXX went above and beyond and supplied me with screenshots showing how the transaction was refunded. 
My second concern and issue is that I was charged twice for only XXXX item I purchased. I was charged {$77.00} XXXX for order # XXXX. When I first called XXXX, the customer service operator advised me that the sales associate at XXXX billed me twice by mistake and that I needed to contact them for a refund. I advised the operator that the information they provided me was false because I did not go into a storefront ; I placed this order myself on a website, and the invoice reflects only XXXX item purchased. 
I contacted XXXX again for support, and they confirmed that they only billed me for XXXX item on XXXX order that was charged to my XXXX XXXX Credit card, {$77.00}.
Consumer complaint received 2023-08-01
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Harpeth Financial Services, LLC (MN)

XXXX Advance Financial. First I admit I have a debt. Second They take cards used to make one time payments that have never been in there app and load into there auto collection system and attempt to empty bank account attached to it. They HAVE stolen funds from accounts not attached to the loan.
Consumer complaint received 2019-11-19
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: Experian Information Solutions Inc. (CA)

On XXXX XXXX, 2019 my credit report shows inquiries from XXXX XXXX, and XXXX XXXX XXXX XXXX. I have no knowledge of these inquiries and would like for you to remove them from credit profile in a timely fashion.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2023-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I made a cash deposit at a ATM on XX/XX/XXXX around XXXX to XXXX XXXX at the Capital One Branch located at XXXX XXXXXXXX XXXX XXXXXXXX XXXX NY XXXX in ATM # XXXX and while the ATM was counting the money it ran into a error and shut down for about XXXX minutes, the ATM did not apply my money to my account. because the bank is not open until XXXX I called customer service and I opened a case, the person who opened the case entered the wrong address and also the wrong ATM id, causing a delay into my investigation and ultimately a denial of the claim, because of human error at customer service, now Capital One is giving me a difficult time with the re-investigation. I understand that the ATM might be third party owned, but why cant they review the cameras at the Branch in the mean time to try to speed up the process or have it expedited because the customer care person entered the wrong address and ATM #. now they want me to wait another 10 business days
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America fraudulently opened a Savings account in my name, then charged my credit card for direct deposit / check cash advances which get deducted from my credit card to this fake Savings account that I never opened. 

XXXX. I have been maintaining a XXXX balance on my Bank of America credit card XXXX. On XX/XX/2023 I received a letter of a passed due payment of {$3300.00} XXXX. Since I could not locate the card right away because I have not been using the card I decided to just pay {$300.00} on the card and also get the card canceled and asked that Bank of America me a complete statement for this credit card XXXX. That's when I came to find out that a different account named " XXXX XXXX Banking '' type account has been opened without my knowledge XXXX. Come to find out that even the {$300.00} i just paid is actually showing up on this " XXXX XXXX Banking '' as deposit but not to my credit card XXXX. Bank of America has been routinely depositing money from my credit card to this " XXXX XXXX Banking '' that I never opened XXXX. I have been on the phone with Bank of America for hours and hours and all they did was to opened a fraud case which they just closed and claimed that there was no fraud and insisted that I owe them the said amount
Consumer complaint received 2023-08-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

THERE IS NO OPTION FOR " MORTGAGE TRANSFERS ''. XXXX XXXX  ( owners : XXXX  ) IS acquiring my mortgage from WELLS FARGO BANK! 
Serious problem? XXXX XXXX  committed fraud using MY information back in XXXX to try to create a " fake mortgage loan ''. It tripped up an ID Theft from the OPM ( Office of Personnel Management ), so I had to extend my ID Theft & Fraud protection. I reported this incident to the XXXX XXXX Sheriff 's Office. The Economic Crimes Division forwarded the report over because there were multiple victims. XXXX XXXX  was FINED. The Federal Judge ordered 'NO CONTACT ' with its victims. SEE THE PROBLEM? I had to breach the " NO CONTACT ORDER '' to contact XXXX XXXX and their response was basically " OOPS ''. I have touched bases with Wells Fargo Home Mortgage and Wells Fargo Bank to get them to stop the process of my mortgage to a Company that had COMMITTED FRAUD! They are implying " WE CAN'T ''. Yes they can, and bad enough, how many victims are going into the very system that committed FRAUDULENT LOANS? I know I can not be the only person! 
In addition, XXXX  XXXX XXXX ( since XXXX ) can not have any relations with me due to their corruption and money laundering ( I believe it was ) - PERMANENT NO CONTACT. XXXX XXXX XXXX  XXXX XXXX  can not have any relationship with me because they made multiple fraudulent reports and handled the case badly even though they had terminated 4 of their Fraud Team Members. The order was given- NO CONTACT. There are several others Banking and Mortgage System which are defunct today due to Federal Arrest and Jail, so I do not need to list those defunct companies. WHAT PROTECTION DOES A CLIENT WITH A MORTGAGE HAVE WITH A " NO CONTACT '' ORDER BY THE FEDERAL JUDGE? TO A JUDICIAL SYSTEM - BOTH OF US - XXXX XXXX  AND MYSELF WOULD HAVE TO GO TO FEDERAL PRISON FOR UP TO 20 YEARS when I am a victim. 
YES, I am fully aware mortgages gets tossed around to and fro for years. My original Loan Provider was XXXX XXXX, Wells Fargo acquired the mortgage since XXXX. THIS IS HOW LONG I'VE BEEN AN OUTSTANDING CLIENT WITH WELLS FARGO. 
So what the ( XXXX XXXX XXXX ) XXXX AM I SUPPOSED TO DO? I am not going to jail because of the ability of tossing Mortgages around. Bad enough I only have a few years left on my mortgage and the PRIMARY reason why Wells Fargo was doing this so they can " cater '' to the minorities, and believe it or not- I am a minority?
Consumer complaint received 2019-11-20
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX VIA XXXX XXXX XXXX Date : XXXX I did not authorize this car dealership to run my report. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. If you have no proof I would like it removed immediately.
Consumer complaint received 2019-11-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

We are the victim of identity theft, on XX/XX/2019 opened a claim for unauthorized transactions posted to our checking a/c. XX/XX/2019 Bank of America has issued partial credit ( ACH transactions ), acknowledged the fraud, but holding us responsible for some activity ( XXXX and Billpay transactions ), and requesting information from me that is impossible for us to provide. We have co-operated to the best of our ability, and they have not been reasonable in the requested for cell phone text message records from the wireless provider and a written statement from the wireless provider letter head confirming that the phone number that is on the account never received a text from XXXX on those dates of unauthorized transactions then they reconsider to reopen the claim. We reached to wireless provider to get history of text messages to the second phone number on a/c but they denied to provide information as text message are legal matter, we need to get a court subpoena and my attorney have to reach wireless company legal department requesting for the details. We do not have an attorney yet. 
Below are the XXXX and Billpayment which we are not authorized from our account : XX/XX/2019 XXXX Transfer Conf # XXXX ; XXXX  XXXX XXXX XXXX - {$1000.00} XX/XX/2019 XXXX Transfer Conf # XXXX ; XXXX  XXXX XXXX XXXX XXXX {$300.00} XX/XX/2019 XXXX Transfer Conf # XXXX ; XXXX  XXXX XXXX XXXX - {$1000.00} XX/XX/2019 XXXX Transfer Conf XXXX XXXX ; XXXX   XXXX XXXX XXXX - {$1000.00} Billpay transactions XX/XX/19 BANK OF   AMERICA CREDIT CARD Bill Payment - {$400.00} XX/XX/19 Bank of America   Credit Card Bill Payment - {$380.00} XX/XX/19 XXXX XXXX Bill Payment - {$900.00} We also tried to contact XXXX  XXXX  XXXX XXXX  to find out about these XXXX transactions, they are not responding. We opened a claim with XXXX  team for FRAUD INVESTIGATION and, RESOLUTION SERVICES  on our identity theft.