davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (NY)

WFBNA account # XXXX For over two years, I have been disputing XXXX to have this account removed from my credit report. I formally challenged the accuracy of the information reported by XXXX, XXXX, and XXXXprivate companies that collect and sell datadue to the inaccuracies present. I am frustrated by my repeated attempts to have this information removed, only to be ignored by the company. This situation has negatively impacted my credit, preventing me from applying for loans and lines of credit, resulting in higher interest rates and denial of credit access. I AM protected by law and XXXX IS BREAKING THE LAW 15 U.S. Code 1666b 15 U.S. Code 1681e
Consumer complaint received 2024-09-10
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (KS)

I am filing this complaint regarding a dispute I initiated with Capital One for a {$390.00} charge from XXXX XXXX on my credit card. I canceled my services with XXXX prior to this charge and provided Capital One with proof of cancellation, including a confirmation email from XXXX, but my dispute was denied, and the charge was rebilled to my account. 

Since then, I have received correspondence from XXXX stating that the charge should be canceled. However, I am now unable to reopen the dispute with Capital One to resolve this matter. I am seeking assistance in reversing the charge and refunding the {$390.00} to my account, as XXXX has acknowledged that the charge should not have occurred.
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TN)

My accounts were compromised many times and I was told my complaint could not be addressed in a previous closed complaint because I did not specify or detail activities in my original complaint against the company. I had a Wells Fargo account in the past and like I told the representative who was handling the older case I did not have access to those old accounts and could not provide specific dates and she advised I could not get access to the accounts because they only go back 7 years, but as I stated the lawsuit goes back to 2011, which is way beyond 7 years and as stated previously during my time with Wells Fargo my account was compromised numerous times and I have not been compensated for the past occurrence. Therefore, my complaint has not been fully addressed or resolved.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advantage Credit, Inc. (AZ)

IT REPORTING ACT OF 1974 P.L. 90-321 ( 82 ) STAT 146 NO AGENCY CAN PUT ANYTHING ON MY CONSUMER REPORT WITHOUT MY WRITTEN CONSENT. I WOULD LIKE EVERYTHING REMOVED WITHIN FOUR DAYS THAT I DID NOT GIVE WRITTEN CONSENT TO, AND I DID NOT GIVE XXXX XXXX NOR THE OTHER XXXX AGENCY MY WRITTEN CONSENT TO FURNISH ANYTHING ON MY CCONSUMER REPORT. NOR DID I CONSENT AS I HAVE PREVIOUSLY STATED AND NOTED I DO NOT AGREE TO ANY HIDDEN OR REVISED CONTRSCTS OR COMMERICAL AGREEMENTS ACCORDING TO UCC 1-308 WITHOUT PREJUDICE XXXX XXXX XXXX XXXX XXXX WOULD LIKE TO BE PAID {$1.00}, XXXX PER VIOLATION WITHIN SEVEN DAYS ANY DAYS AFTERWARD, I WISH TO BE PAID XXXX VIOLATION EVERDAY FOLLOWING THE XXXX DAYS. I WISH TO EXERCISE THE CONSUMER OPT-PUT LAW UNTIL I GIVE WRITTEN CONSENT TO OPT-IN AGAIN. I WOULD LIKE EVERYTHING REMOVED FROM MY CONSUMER REPORT THAT I DID NOT GIVE WRITTEN CONSENT TO FURNISH ANY INFORMATION ON MY CONSUMER REPORT. I ALSO WISH THAT ALL NEGATORY REMARKS and ALL negative consumer reporting on my consumer report. BE REMOVED, as well as OLD ADDRESSES, PHONE NUMBERS, NAMES OTHER THAN THE NAME ON ME THE CONSUMER SOCIAL SECURITY CARD. 

I AM SURE YOULL KNOW THAT REPORTING TRANSACTIONS HISTORY IS ILLEGAL. I AM HOPING WE CAN HANDLE THIS AMICABLY AND HONORABLY, IN GOOD FAITH MOVING FORWARD and yall will comply with the law. AGAIN I WANT TO EXERCISE MY RIGHT AS A CONSUMER TO THE CONSUMER OPT-OUT LAW until I revoke this in writing. I have never received a privacy notice before any information was furnished on my consumer report. 

I do not consent to ANY THAT INCLUDES XXXX XXXX XXXX, XXXX, XXXX, non affliliated.. I wish for this to be handled in the time frame specified in the above context of this NOTICE. 

UCC 1-308 Without Prejudice I reserve all my rights. I do not consent to any hidden or revised contracts or commercial agreements. 

I RESERVE ALL MY RIGHTS
Consumer complaint received 2024-09-09
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)

On XX/XX/XXXX, XXXX XXXX somehow managed to guess my XXXX password and add him/herself to my XXXX family XXXX Then XXXX proceeded to send XXXXXXXX XXXX XXXXXXXX gift cards back to them using money from my account. I was sent a fraud email from Wells Fargo and immediately called them and canceled my card and then changed my XXXX password, removing XXXX in the process. Not before about XXXX dollars was taken from my account. Then I filled a claim with Wells Fargo, and after a month received a letter saying that the transactions were made by my or someone with my permission, which is strange considering they sent me an email suspecting fraud in the first place. I called Wells Fargo again to ask about it, and they simply told me my claim was closed.
Consumer complaint received 2024-09-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (NY)

I AM BATTLING XXXX  XXXX XXXX AND AM UNDER XXXX XXXX XXXX XXXX XXXX XXXX. THIS COMPANY IS COMING TO MY HOUSE AND SERVING ME WITH THREATENING LAWSUIT PAPERS. I JUST RECEIVED XXXX FORMS OF COMMUNICATION FROM THEM TODAY. THIS DEBT WAS NOT THIS MUCH UNTIL THEY ADDED THEIR FEES AND INTEREST. THEY SAY THIS DEBT WAS FROM XXXX, WHEN I XXXX  XXXX XXXX. THEY ARE THREATENING TO SUE ME AND TAKE MY XXXX INCOME. I DO NOT HAVE MONEY TO PAY THIS DEBT.
Consumer complaint received 2024-09-09
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (CA)

Issue : Victoria 's Secret {$350.00} Comenity Card status not reporting to bureaus XX/XX/year>2024 - paid in full after statement closed, balance has been {$0.00} since XX/XX/year>2024 - Comenity did not report balance update of {$0.00} to any three bureau 's, called and representative could not figure out why or offer any helpful assistance Comenity has never failed to update bureau 's previously when card reported a balance. Now that the balance is {$0.00} there seems to be an issue? Photo attached of XXXX report showing last update was made XXXX.24, I've checked XXXX and XXXX as well, same problem with lack of {$0.00} balance update.
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (AE)

We used our credit card to make a purchase of 2 bottles of water from a storefront while in XXXX on XXXX at approximately XXXX local. The total purchase price should have been XXXX. We noticed when reviewing our billing statement that we had been charged XXXX ( {$450.00} ) for the transaction, and immediately started the dispute process with Citibank on XXXX. Citi provided a conditional credit of {$440.00}. 

Citibank asked us for additional statement/information on XXXX, which we returned on XXXX XXXX. They asked for a copy of the purchase receipt- which we did not have, as we were not provided one. We explained this to Citi, along with attempting to contact the merchant to either fix the problem or obtain a receipt. We have been unable to obtain a phone number for the business. 

Citi bank closed the dispute on XXXX XXXX, with a finding that the customer ( me ) was responsible for the charge, as we could not provide a purchase receipt. To our knowledge, the investigator did not make any attempt to actually contact the merchant or obtain any amplifying information about the purchase. 

I have asked Citi to re-open the investigation, as I am continuing to attempt to gain contact information for the vendor.
Consumer complaint received 2024-09-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Mercari, Inc. (FL)

Around XX/XX/XXXX, I sold 3 XXXX toys on the selling app Mercari, after shipping out the orders and receiving 5 star reviews from each buyer I went to withdraw my funds from the apps wallet ( {$310.00} ). During the attempt to withdraw, Mercari limited my account for an unspecified reason. I contacted Mercari support and they said I needed to verify my identity through the app. I completed the verification process and got confirmation but the hold still remained. I spoke to support again and they claim I never uploaded my information. I reuploaded it again for the same result. This went on and on and my funds are still on hold to this day and support still refuses to help any further. This has gone on for over 2 weeks. At this point I just would like to have my money and move on to a different platform. Thank you for any assistance you can provide
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Portfolio Recovery can not under FCRA show Late or Open on my report. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Also 15 U.S. Code 1692- Congressional findings and declaration of purpose. I want all 3 three credit report agencies to remove Portfolio Recovery for false practices, and not following the consumer laws in place to protect my information and report accurate information, so will not hurt my credit score.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (TX)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (PA)

I have been dealing with the most unscrupulous creditor who has reported XXXX different accounts on my XXXX credit bureaus, LVNV Funding LLC. The XXXX accounts reported by LVNV show that they are the " original creditor '' and accounts opened on XX/XX/XXXX and XX/XX/XXXX. Account one on XX/XX/XXXX for {$870.00} and the second on XX/XX/XXXX for {$440.00}. 
I have sent letters to all XXXX  bureaus disputing the aforementioned accounts and requested they provide me with the origination documents, payments, statements, etc. I am the victim of serious identity theft, doxxing, and fraud, all of which I have provided proof to the XXXX credit bureaus and applied a freeze to my accounts with each. LVNV has provided nothing and continues to report false and inaccurate information for well over a year. The identity theft I have been subject to caused financial disparity with all my banking, credit cards, utility accounts, social media, and the fraudulent use of my identity in opening of fraudulent accounts. I have attached all relevant information showing the identity theft and steps taken to recover from the disparagement, yet LVNV Funding continues to be part of the problem. After a year of having my case investigated by the IC3 ( FBI ) and finding the perpetrators, I have filed a civil case for Fraud, identity theft, and violations under the " Right to Reputation '' civil protection laws in XXXX.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries
Consumer complaint received 2024-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My Bank of America MasterCard was closed without warning or explanation, even though I have a XXXX balance on it and have always paid it on time, never late, and have been with Bank of America since the XXXX. Just contact my private banker XXXX XXXX at XXXX she will let you know that I am a valued BofA customer.
Consumer complaint received 2024-09-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: M&T BANK CORPORATION (GA)

So on XX/XX/year> I went thru a closing on a mortgage I don't ever recall get any rights to rescind forms .. Also I notice the original mortgage company { XXXX XXXX XXXX XXXX committed security fraud.. The company fraudulent stated they issued the loan that was used to purchased the home.. But I later found out that the mortgage company cashed in the Promissory Note that me and my co buyer sign and that's where the money came from .. Also under Title 15 USC 1602 G CREDITOR means person which means we lent the bank our credit .. Plus Title 12 USC 1431 banks can not lend money their job is to BORROW money .. { Which means my mortgage contract is fraud } So now this is our third attempt to cancel our contract which the companies keeps ignoring .. Also under Title 31 USC 5103 the promissory note or federal reserve note is to cover all debts even taxes..
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

On Wednesday XX/XX/XXXX of 2024, around XXXX XXXX/ XXXX, I attempted to make a cash deposit at a Citibank ATM XXXX XXXX XXXXXXXX XXXX XXXX and the ATM proceeded to take my cash deposit within the range of $ XXXX and it did NOT credit the cash to my account or even give me a receipt. I attempted to get the help of the employees at the bank but they refused to assist me and simply told me to call Citibank customer service. I did and i told the representative over the phone exactly what happened with the ATM deposit, all they could do is give me a case number for an investigation that will take up to 45 business days however i think that is simply unacceptable, they have cameras both on the ATM and directly above and all around me. Every time I attempt to call Citibank customer service for an update, Im transferred between a minimum of XXXX different representatives before the XXXX XXXX representative abruptly hangs up on me and Im forced to restart the call over. This is not right I am a long time Citibank customer and this is disgusting.
Consumer complaint received 2024-09-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc. (GA)

To whom it may concern, Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me In your response, you have failed to provide such information within 30 business days. According to the FDCPA and HIPAA Collection Laws the requested information above is not a matter of your discretion to provide, you MUST comply with my request. In failing to do so you are in violation of my rights. I am demanding a cease of the following account ( s ) 1. Delete account from credit report 2. I request copy of Purchase Agreement if cant be provided delete from credit report y law 142 Please send confirmation once complete. Best Regards,
Consumer complaint received 2024-09-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (HI)

I have contacted Nelnet and the department of education on several occasions, regarding the discharge letter that I received I'm XXXX of 2022. I am a part of a group discharge for XXXX XXXX as they were found guilty of defrauding their students. I was told that 100 % of my loan would be forgiven and that no further action was required on my part. I also uploaded a copy of my email from the department of education to Nelnet. It has been 2 years since receiving said letter and my loan balance remains. All I want is any information or update regarding this manner and I've been left in the dark.
Consumer complaint received 2024-09-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (NJ)

OK ... XXXX XXXX Bank is selling my personal, private and federal information to multiple companies to make them try to collect a amount I do not own them. HOW IS THIS POSSIBLE??? First they sold all my information to XXXX XXXX XXXX and now to LVNV Funding LLC and for the same amount of {$1200.00} .... BY THIS I WILL FILE A FORMAL LAWSUIT AGAINST XXXX XXXXXXXX XXXX AND ALSO AGAINST XXXX REPORT AGENCY FOR ALLOW THIS COMPANY TO REPORT ON MY CREDIT REPORT WITH OUT THE PROPER DOCUMENTATION
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (NY)

They [ Nelnet ] charged me prior to XX/XX/year> for my student loans. The Federal Goverment didnt require payment until XXXX of 2022. This caused a delinquent score on my credit report, even though Ive never missed a single payment on any credit card or loan, resulting in denials to my credit increase on my cards and denial of housing in my current job, XXXX Researcher with a XXXX degree and a XXXX
Consumer complaint received 2024-09-08
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P. (FL)

Call made to the company XX/XX/2024 regarding the issue using the case number provided and agent from company refuse to relay any information. There was no paper served to me regarding a case to meet in court or contacted regard is on case, my employee sent me an email and might possible loss my job.
Consumer complaint received 2024-09-08
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: RAS LaVrar, LLC (GA)

I was served with a civil action from RAS LaVrar , LLC in regard to a debt I owe XXXX. I responded in a prompt and timely manner on XX/XX/year>. I attempted to send a letter to them on XX/XX/year> as well. That letter was returned to me as saying the address was not valid, yet it was listed on all of the legal paperwork as their office in the state of Georgia, where I reside. I kept calling the courthouse because I received nothing in regard to the hearing. I finally was able to get in touch with RAS LaVrar to which they told me I missed my court hearing which was scheduled for XXXX XXXX, and if I was not informed, it was the fault of the courts. I went down to the courthouse and the clerk informed me that they didn't file anything, there was no court hearing set and they had no additional information to give me. I called back RAS LeVrar while I was at the clerk 's office and the representative woman on the phone was very evasive, and wouldn't give me any information as to the supposed court hearing. After multiple attempts, she confirmed that I missed this supposed court hearing. The court clerk, upon hearing that confirmed that there was no court date ever established, and no documents were ever subsequently filed. I asked if they wanted to speak with the clerk as I was at the courthouse and they said they were unable to do so. They say all of these calls are recorded so there will be a record of each of these interactions. I will be reporting their office to the Georgia XXXX XXXX as well as the Georgia Attorney Generals Consumer Protection Division.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Southwest Credit Systems, L.P. (NC)

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. 15 U.S.C 1681 section 602 A States i have the right to privacy. 15 U.S.C 1681 section Southwest credit sys XXXX XXXX XXXX has violated my rights604 A section 2 : it also states a consumer reporting agency can not furnish an 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 conviction of crimes which antedates the report by more than seven years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate