davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (CA)

Fidelity Investment Credit card was issued a refund in my name by XXXX in the amount of {$370.00} on XX/XX/2018. The monies were electronically transferred bearing Transaction Reference Number XXXX and Vendor Reference Number XXXX. The card to which this refund was applied was an XXXX card ending in XXXX. This card and account was acquired by Fidelity. 

The dispute case number provided to me XXXX. Please understand XXXX ( the vendor ) has accepted fault and refunded the monies without any issues. Fidelity has not posted the refund to my account. 

This refund should have hit my account without intervention. Unfortunately, the said amount is missing and can not be traced. The reference number that Fidelity issues electronically and vendor reference should be enough data to create a trace and locate credit issued by the vendor. XXXX ( the vendor ) are unable reprocess the refund due to the fact that the electronic refund was successfully acknowledged by Fidelity on XX/XX/18.
Consumer complaint received 2018-06-15
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 (NC)

Elderly woman 's bank account was frozen by Wells Fargo branch in XXXX, NC. Reason given was for non payment to the NC DEPT OF REVENUE in which she was supposed to pay XXXX dollars a month to satisfy a debt owed. I Called the bank and asked what could be done to have the account unfrozen so that the woman could could pay her bills. The representative told me that if she authorized a payment of {$190.00} to the entity owed the money that she then would be able to have access to her account in order to take care of her business. After paying XXXX dollars the bank said that it could take up to 24 hours for the release to occur. That date was Friday, XX/XX/XXXX. On Monday XX/XX/XXXX she went to the bank to withdraw money in order to pay her bills and only XXXX dollars was left in her account out of XXXX dollars. Now this woman has to face eviction and utilities shut off. After further investigation of the matter, it turns out that it was not The Dept of Revenue, but instead a car rental company that said that she owed money for a car rental. The bank charged her XXXX dollars and then gave her money away without her knowledge or authorization. She is now fighting a losing battle with the bank in recovering her money. Could you or someone help this poor woman?
Consumer complaint received 2018-06-27
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: Experian Information Solutions Inc. (FL)

I ask you to do an investigation to the Experian credit company, I have been disputing the erroneous information that they are publicly exposing in a credit report for more than a year, and previously you asked them to demonstrate the reason for this information and they have not presented any legal document that supports this erroneous information. 
I have not authorized this company to disseminate, expose, publish or give my information to anyone, there is no legal document that I have signed between them and myself, so I do not see why they can disseminate my personal wrong information where my record, reputation, and prestige are damaged, where there is a law that can manipulate personal information for profit to increase sales and credit interests for the economic benefit of others, this is unjustifiable, abusive and illegal, so I demand that this dispute for account information from XX/XX/XXXX-XX/XX/XXXX Child Support, I've never had a delay or ever stop paying there is no reason to have it in collection and delinquency. 
XXXX has never presented me with any document or proof, the name of the judge, court, address, and telephone number of each person contacted regarding this alleged account. Have an information inaccurate or incomplete items in a credit history have serious consequences. They do not value the repercussion that brings a disinformation that destroys the prestige of a person, they do not give me work or monetary loans for this error that they are discarding.
Consumer complaint received 2018-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX Office of the Attorney General put a levy on my checking account on XX/XX/18 without any notice, I called and spoke to them and they verified that it was done by mistake and sent a release by fax to Bank of America. This has left me with XXXX money for food or gas for 2 days now and they are saying it can take an additional 5 days. Bank of America and Child support did not offer any help, they simply did not care that this can hold my funds and my incoming direct deposit. On top of the Levy I am getting charged a legal fee of {$120.00} and {$44.00} by bank of america, adding additional insult to my situation, I want these fees refunded immediately and the levy removed. I am also a military veteran and single father of XXXX small kids, ages XXXX and XXXX. Since I am not getting help from Bank of America and the error caused by child support I am contacting media to help me feed my children for the next couple of days that my bank account is overdrawn by {$850.00} dollars. I am also a decorated XXXX XXXX who was XXXX overseas. I plan to sit down with the news media and explained how Bank of America doesnt care about the military and would be ok leaving me and my children without any money. This has caused emotional stress on me and my children.
Consumer complaint received 2018-06-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (NC)

I settled my debt with XXXX XXXX a while back. The debt was resolved. Now, a collection agency name XXXX/Resurgent Capital is reporting this debt on my credit report and trying to collect monies from me. I have told them that I have already settled the debt with XXXX XXXX, but they don't seem to care. They seem to want me to pay it twice.
Consumer complaint received 2017-12-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (NY)

I purchased a XXXX netspend card in XX/XX/XXXX.. I have n't needed to use it and also have n't received any alerts or statements. Today, XX/XX/XXXX, I logged into the online portal and my balance is gone ... months of " maintenance fees '' that I never agreed to and was never informed of either. 

This is not fair business practice!
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (CA)

I am writing in dispute to the payment history reported from XX/XX/2017 through XX/XX/2017. During XX/XX/2017, XX/XX/2017, and XX/XX/2017. I paid as agreed per a Trial Payment Plan ( TPP ), a partial payment agreement, which was supposed to be reported to the Credit Reporting Agencies ( i.e. XXXX XXXX, and XXXX ). According to the recent credit reports I have received and my communication with each agency by phone, this information was not disclosed by LoanCare. Instead, due to the partial payments, my payment history reflects 60+ and 90+ days late during the aforementioned period. 
I have a copy of the TPP that I signed and that was approved by Loancare, with highlighted statements. On page 2, bullet 7, it states Please note that except for your monthly mortgage payment amount during the TPP, the terms of your existing note and all mortgage requirements remain in effect and unchanged during the TPP. On page 2, the 3rd bold section under Additional Trial Payment Plan Information and Legal Notices state, Your current loan documents remain in effect ; however, you may make the Trial Payment Period Payment instead of the payment required under your loan documents. ( I also have monthly statements from XX/XX/2017 showing the dates these payments were received. ) Despite the acceptance and fulfillment of this TPP, and despite reassurance from 3 different LoanCare representatives each month that I personally made the TPP payments by phone, I have incurred 60+ and 90+ late payment marks on my credit report with LoanCare. The TPP document clearly states that I may make these partial payments ; the TPP payment agreement is the exception, but all other mortgage requirements remain in effect.
Consumer complaint received 2022-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (OR)

XXXX and Equifax has always had my name correct at one point XXXX did also until 2 years ago they start reporting my name incorrectly and no amount of proof of my identity is satisfactory to XXXX I just want my rights to stop being ran across I would like to get and keep a good job but with XXXX reporting my name incorrect makes companies think I am a fraud
Consumer complaint received 2018-06-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (IL)

On XX/XX/XXXX, I purchased a XXXX XXXX from XXXX XXXX XXXX in XXXX, Illinois, for the total amount of {$2200.00} purchased through XXXX XXXX XXXX XXXX, Phone # XXXX. I was told by XXXX  that I would have 18 months to pay this off interest free. After 18 months, I would begin to pay interest on the amount unpaid. I agreed to this. I paid {$77.00} per month for 18 months and on XX/XX/XXXX, I received a statement where XXXX XXXX XXXX XXXX added an interest charge of {$340.00} for the 18 months previously. I called Wells Fargo on XX/XX/XXXX and disputed the charge. I talked to XXXX from the Executive Office at XXXX XXXX XXXX XXXX   and was given the name of the Executive that would be helping me find a resolution to this charge. His name is XXXX XXXX I was given a Case # XXXX. On XX/XX/XXXX, I called Wells Fargo to check the status of my case. I talked to XXXX. He stated that he would be sending an email out to XXXX. Still no response. On XX/XX/XXXX, I called Wells Fargo again and spoke to XXXX. XXXX   states that they can not help me because I agreed to the terms. My argument was, that I did not agree to pay on interest that was deferred for 18 months, and that I had agreed to pay the interest after the 18 months.

I feel that I was incorrectly informed regarding how the interest rate worked and can not agree with their resolution of writing off the interest and paying the remaining balance of {$1100.00}. I could not afford the XXXX XXXX then and I can not afford to pay the balance in full. That is why I agreed to pay in monthly installments.

Anything that you can do to help me financially would be appreciated.

Thank you for your time.
Consumer complaint received 2023-10-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Zions Debt Holdings (NY)

Zion Debt Holdings opened debt collection against me on XX/XX/XXXX for an account that is closed in XX/XX/XXXX and in good standing at the time of close. I saw an update to my credit report XX/XX/XXXX. 

XXXX did not contact me through any means before reporting to credit agencies. As of XX/XX/XXXX, I have yet to receive any detailed information related to the debt. 

XXXX has improperly reported a debt to a credit reporting company without meeting their obligations under the FDCPA.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Oaks Capital, LLC (TX)

I have not supplied proof under the doctrine of estoppel by silence. XXXX v. XXXX  ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

My personal information has been stolen and sold to consumer reporting agencies therefore I am a victim of identity theft. 
I have tried disputing such claims however nothing has been done. This is effecting my reputation and everyday living. 
Pursuant to 15 USC 1681a ( d ), 15 USC 1602 ( L )
Consumer complaint received 2018-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

It is very apparent that either nobody bother to reads the full statement, or you guys are absolutely illiterate and can't comprehend what I have written.. PLEASE READ THE STATEMENT IN ITS ENTIRETY, AND BEFORE JUMPING TO CONCLUSIONS, YOU'LL NEED TO DO YOUR DUE DILIGENCE AND RESEARCH THE CALL AND HONOR THE STATEMENT, BECAUSE YOU DO SPEAK ON RECORDED LINES. 

I called and spoke an agent on or around XX/XX/XXXX, or somewhere within that time frame, and the agent advised me on the phone that once I got my balance really close to 50 % of the credit limit, that capital one would go ahead and turn my card back on. I called back on XX/XX/2017 to confirm this and was given the run around, after I advised them that if the call was recorded, which they claim they are, that it was stated on a recorded line, and they made a promise that must be honored. I do not want to wait 6 - 10 weeks for someone to just go and listen to a call to confirm what the agent said on the phone, which I think is highly unfair.
Consumer complaint received 2018-08-10
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: DCN Holdings Inc. (AZ)

On XX/XX/18, XXXX XXXX, a claims agent with XXXX sent a letter to the owner of the company I work for demanding I pay a debt that I have not validated. He disclosed the balance and gave me 7 days to pay a debt or they would send me to collections or refer my case for commencement of litigation in court an that they would advise their client to pursue legal action against me ( see attached email ). I called them and advised them that they can not send this type of information to my employer. " XXXX '' never gave me his title or last name, told me they can and that they have not violated FCRA. They claim I gave them my email. I assure you I did no such thing. My email is similar to the owner 's email and I have gone to great efforts to avoid my emails going to him or his to me, my email does not involve my last name. XXXX took a chance that the email they used was mine ( based on first and last name and the company 's standard ending ) but instead sent this threatening Information to the owner of the company that I work for. I fear they will continue this practice and ask that they properly learn that this practice is a FCRA violation and that I am compensated for the embarrassment suffered due to their actions. They had my correct address, why did they not mail me the letter. The email was a direct attempt to cause me embarrassment or employment loss. 

XXXX XXXX XXXX Contact Information XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Direct XXXX Fax - XXXX ( See Attachment )
Consumer complaint received 2018-06-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To Whom It May Concern : I have request Transunion and XXXX by phone / fax and letters to up date my personal information.

The Creditor XXXX never sent Validation of Debt ( {$130.00}, {$440.00}, {$3100.00} I request this information since XX/XX/2018 With no response XXXX   deleted all all information which shows me that XXXX and TransUnion failed me as a Customer. TransUnion and XXXX has a balance on my Credit from XXXX XXXX that show a Balance of {$880.00} witch is paid in full. Therefore I was denied Credit.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

My consumer report shows identity theft-linked accounts I never authorized. I recently informed you of this and now demand these accounts be blocked and removed immediately. These false entries are causing me serious distress and misrepresent my credit. I'll take legal action if not fixed quickly. These fraudulent items have prevented key financial goals like buying a home and supporting my family.
Consumer complaint received 2018-06-27
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: PRESTIGE FINANCIAL SERVICES INC (IL)

My first dispute Letter was Sent XX/XX/XXXX.

My second dispute letter was sent XX/XX/XXXX.

My third dispute letter was sent was sent XX/XX/XXXX XXXX continues to report unverified accounts and have not provided this consumer with a copy of the original creditors documentation or Contract bearing my signature.

XXXX has not provided this consumer with the information of who Verified these accounts by virtue of proper documentation containing my signature concerning a debt that is owed.

XXXX is now in violation of the FCRA and noncomplient.
Consumer complaint received 2017-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (CO)

I called Paypal Credit in XXXX after I got my statement that said my account was closed. They are presently pretending that they do not have that call at all. 

I spoke to XXXX and XXXX who is a supervisor. 

I asked for a way to pay this via a settlement and time to pay. I was told that they couldnt do it because the account was only 132 days past due as it XXXX XXXX, XXXX even though it was closed.They call it past due because I did not pay ALL of the balance owed. I was making small consistent payments each month. 

I have NOT had any other correspondences from Paypal Credit since that last statement in XXXX, I think. Neither by phone, email or snail mail. 
They told me back then I could pay on that same day I called them in XXXX and pay 70 % of the balance, and I said to them if I could pay you that much I would not be asking for a plan. 
Now I am able to pay them some money, and I see that I have no option to pay I call them. I am told its charged off. Why didnt I have any correspondence from you? They claim that Itold them to call after XXXX XXXX. I am XXXX and If I did say call me after XXXX, they must have converted the time to central which would have been my XXXX and their XXXX. So to make it look like I was I bad, they put down XXXX. I never said they couldnt write or email. I still get email from them offering me a credit card. As recent as this week. 
XXXX to whom I spoke this morning, told me he would give me the number to the collection agency that they sent it to after I told him I did not get anything from anyone to say I have a charged off account. 
Why would I call a collection agency who had not contacted me? And why would I do that knowing that Paypal Credit has not contacted me in anyway to tell me my account was charged off and that they were sending it to a particular company to collect?
I would like to pay my balance with Paypal Credit. And I would like to have the opportunity to pay using a plan because I asked for it before hand was told it was too soon and immediately after they charged it off and sent it away it seemed.
Consumer complaint received 2022-12-30
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: Experian Information Solutions Inc. (CA)

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yetI have items passed on that should be taken out or blocked. Per FCRA segment XXXX you are expected toeliminate any records recorded on an ID THEFT REPORT XXXX XXXXXXXX. I've proactively remembered thisreport from a past letter and I am including it once more. I've educated my lawyer regarding my aims and theyare eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$320.00}
Consumer complaint received 2018-05-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (KY)

I paid for concert tickets via the XXXX app and was scammed. I never received my tickets and attempted to cancel my transaction through XXXX as well as through my bank, XXXX, but both have claimed they are unable to do anything at all. XXXX will not let me dispute the charge. XXXX claimed they could not stop the transaction even though I called immediately after making the transaction and before it has been posted. I also called XXXXXXXX XXXX, the bank which the scammer claimed he has an account with, in order to report someone using an account for fraudulent activity. I was told by XXXX that there is no avenue through which to report something like that. I have also submitted a police report through the Internet Crime Complaint Center.