davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-02
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. (LA)

While reviewing my credit report, I saw multiple unauthorized credit inquiries displaying that I have no recognition or knowledge of. I made numerous means of contact via writing and by phone to all companies requesting to them to investigate the unauthorized inquiries and for them to contact the 3 Credit Bureaus to have them permanently delete/remove these inaccuracies from my credit report. I was informed over the phone that they have no way of getting those unauthorized inquiries deleted and for me to make direct contact to the credit bureaus to start the disputing process. Many of these companies, initially gave an issue with verifying any of my information because they wouldnt accept the given information found on my credit report, they wanted my full/ last four digits of my Social Security Number which I refused to provide due to my rights under the FCRA laws. I contacted Experian several times by via phone and mail requesting for these unauthorized inquires to be removed from my credit report because either them or any of these companies listed were unable to provide me with any signed statements or contracts to indicate the origin of this collection debt/inquiry, to resolve this matter, since I have never had any dealings at any of these companies at the date of these unauthorized inquiries. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a " permissible purpose, '' so performing a " hard inquiry '' on my credit file ( s ) without my permission is a willful violation of the law. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Also, I will like to have a new copy of my credit report to reflect these changes/ removal of the unauthorized inquiries. Here are the unauthorized inquiries that needs to be removed/deleted from my credit report : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-12-15
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Westlake Services, LLC (IL)

My account is past 30 days due which inaccurate, my account was never past 30 days due for west lake profolio management neither XXXX credit card. I was wondering if those late payments can be deleted please because they are inaccurate. Also there is a collection for XXXX XXXX XXXX for XXXX which is inaccurate I was a victim of identity theft.
Consumer complaint received 2017-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SIERRA PACIFIC MORTGAGE (CA)

This is in response to my prior complaint against Sierra Pacific Mortgage Company wherein they indicated they had " resolved '' my issue. In fact, they have NOT resolved my issue. Since their regulatory department failed to communicate with their mortgage service provider, which is XXXX XXXX XXXX XXXX, they proceeded to undo everything that had already been resolved via my initial complaint to them. They reversed all my payments made from XXXX XXXX, 2017 going forward and took back their {$10.00} fee. They did this reducing my P & I payment on XX/XX/2017 totaling {$1500.00} to Principal and {$1000.00} to Interest by re-applying it as {$1500.00} to Principal, and as {$1000.00} as interest, in essence reducing my Principal Payment by {$10.00}. Now, keep in mind that the issue had already been RESOLVED and they proceeded to undo everything that had already been righted previously in response to my complaint to you. I wrote to them again almost four weeks ago ( ONE MONTH ) asking why they had undone everything that had been corrected, but primarily to ask them to re-apply the extra my payment as originally applied, with {$1500.00} going to Principal. I have since then paid off my balance, so they are owed XXXX DOLLARS, but I continue, one month later to await my {$10.00} which they re-took from me once they started meddling with an issue that had, as stated ALREADY BEEN RESOLVED. And the reason they became involved again, besides there not being any communication between their mortgage department, service provider and regulatory department, is also due to the fact that it takes this company AT LEAST ONE MONTH TO RESPOND TO THEIR CONSUMERS. I continue to await the {$10.00} that they took back by reducing my payment original payment from {$1500.00} to Principal down to {$1500.00} to Principal. They should have left well enough alone ; the issue had been resolved and now it remains UNRESOLVED. Thank you.
Consumer complaint received 2017-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (FL)

On XX/XX/XXXX a company made a charge against my account without my authorization. I contacted the company, XXXX within 30 minutes of this charge and spoke with them in reference to this issue. They advised this was done in error and that the charge would be reversed, and that there should be no issue with my bank, as the charge would disappear and never process. On XX/XX/XXXX, Regions bank sent me a notice that two {$36.00} overdraft fees were levied against my account due to the 12 hours that the unauthorized charge was " pending '' in their online system. At no point was my account overdrawn, and at no point did the charge from XXXX clear my account. On XX/XX/XXXX I called Regions bank in reference to the {$72.00} in charges on my account. A customer service representative advised me that she would " take care '' of the fees charged " in error '' but later stated she needed to send me to escalations. I spoke to a XXXX XXXX at that time who refused to assist me and stated that I had " agreed '' to be charged fees for pending charges, even if they were fraudulent. He refused to refund the fees or allow me to speak to a supervisor with his bank. I advised him that I would close the account and file a complaint and he told me I should do that.
Consumer complaint received 2017-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (FL)

On XXXX XXXX, 2017, I was charged {$2000.00} by a medical facility for medicine I had received but that I subsequently found out I did n't need. I returned the medicine to the medical facility and requested a refund. The medical facility took back the medicine but did not issue a refund. I then contacted my credit card company, BarclayCard and initiated a dispute against the {$2000.00}. A few weeks later I was contacted by BarclayCard and informed since I did not have a receipt showing proof that I returned the medicine they could not move forward with the dispute. I explained that the reason I was filing the dispute was because I did n't have a receipt. I was very upset and surprised to find that BarclayCard was unable to further pursue my dispute because that business did not provide me with proof that I had returned the medicine. I was shocked to find out that the burden of proof was on me to proof I had returned the medicine before BarclayCard would even contact the business. As my credit card company, and based on our relationship, I believed BarclayCard should be advocating and representing me directly in this dispute. If the Medical Center wants to respond to the dispute and state that I never returned the medicine, then let that be the case. But to take the side of the business over its customer, before allowing the business the opportunity to respond, is shocking to me. Barclaycard and I have a business relationship that will survive way beyond this one transaction with one this particular business. I expect Barclaycard to represent me in this dispute and allow the business to justify why they have not issued the credit. I can almost guarantee once the dispute is put forward the business will not contest it because that would mean that they are plainly lying. BarclayCard has now denied my dispute 3 times. They are requiring me to pay {$2000.00} for merchandise I do not have and was returned to the medical facility in new and never used or open condition. BarclayCard will not defend its customers against businesses that are unethical.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX 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 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 2017-08-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (OR)

Southwest Credit Systems keeps calling me with numerous XXXX-area code phone numbers ( my phone number also starts with XXXX-area code ), every day, multiple times a day, for weeks on end now. ( Today is XXXX/XXXX/2017. ) Each time, it 's a new number, so blocking the phone number of the day provides little-to-no reprieve.
When I 've asked why they are calling, they say " personal business, '' and refuse to give me more details until I have verified all my personal information for them.
Every time I refuse to verify my information, because I have no written notice of debt from any business entity as of present. Upon review of my bills, as well as my XXXX credit report, I have no outstanding debts. As such, Southwest Credit Systems has no reason to be calling me. I called one of the XXXX numbers back today and asked them to stop calling me, and they refused. An exceptionally rude customer service member said, " you 'll have business with us at some point. '' Since the conversation crossed the threshold of reason, I hung up.
Submitting a complaint here seems like the next logical step. Please let me know if I can help with additional information.
Consumer complaint received 2017-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (PA)

I previously had a collections account successfully removed from my report due to it being a fraudulent account. Without any notice this same account was put back on to my credit with a different collector name. The only reason I was aware that this account was resubmitted onto my report is because I check it regularly via XXXX XXXX. I disputed the account but did n't have any luck with it being removed.
Consumer complaint received 2023-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (OR)

XXXX : Called Care Credit to question {$3600.00} amount on Credit Card. They could not provide payee name. Disputed Transaction. My first knowledge of this charge made XX/XX/XXXX. 
XXXX :. No record of dispute. Advised to not make payment. Refiled dispute. The agent could not provide me with the payee information. 
XXXX : No bill received for XXXX. Received late Notice. Called Collections. Spoke to XXXX ( XXXX # XXXX ). No record of dispute! She viewed the charge. Payee listed as " XXXXXXXX XXXX XXXXXXXX ''. She filed a complaint on my behalf- transferred me to Fraud Dept . ( PHONE XXXX ). Spoke with XXXX ( XXXX # XXXX ) refiled dispute. Confirmation to be mailed within 10 days. Note : No confirmation rec 'd. Rec 'd letter approx. XXXX stating a new card would be issued. No dispute info. 
XX/XX/XXXX : rec 'd email, " still working on claim. '' XXXX Rec 'd Fraud investigation form. Faxed and mailed. 
XXXX : rec 'd letter from Synchrony Bank stating their records indicate that I may have expressed concerns on XX/XX/XXXX regarding account activity relating to purchases, etc. XXXX through XX/XX/XXXX : Made several calls to discuss inquiry. Calls always went to call center in XXXX. They could not provide any information, and they had no knowledge of this letter. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX. Stated claim was filed and investigation concluded, but no information available. Couldn't transfer me to Synchrony Customer Care. ( XXXX ) She stated she would contact them since I couldn't get through and request them to call me would call me. They did not call. 

XX/XX/XXXX Verified account balance and payment due now showing.. Called XXXX. Transferred to XXXX XXXX fraud investigations. Stated claim was denied. Letter sent on XX/XX/XXXX. I did not receive it. Checked USPS daily mail report via email. He said he would refile claim. I told him they were way past the deadline They need to reverse the charges. He refused. Said it was paid to XXXX XXXX XXXXXXXX. Could not provide any information such as name or address. 

XX/XX/XXXX Finally reach Synchrony customer service. They transferred me to Fraud XXXX. She transferred me to XXXX who said she was unable to assist me. She transferred me yo Investigation Manager. After being on the phone for 1 hour and 46 minutes, call got disconnected.
Consumer complaint received 2023-05-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit, Inc (IL)

I signed for this loan on my vehicle on XX/XX/XXXX in the amount of {$56000.00}. The final payment on the loan was made on XX/XX/XXXX. At that time, the company provided an estimate of mailing of the title within 10 business days. As of XX/XX/XXXX, I have not received the title. The company 's website now states : " If youve recently paid off your account and havent received your title yet We are currently experiencing a delay with releasing some vehicle titles. We're so sorrywe know how frustrating and stressful this is. 
It goes without saying that this issue is our top priority. We will provide updates here as we have more information. When it comes to your satisfaction, you deserve better. We're grateful for your patience. 
For immediate questions surrounding your title, view our FAQs. 
If you have an urgent matter, the best way to reach us is through the Help Center. '' I contacted the company on XX/XX/XXXX to obtain an estimate on the date I would receive this title. 

The response on XX/XX/XXXX was : " Thank you for contacting Audi Financial Services. We sincerely apologize for the delay and appreciate your patience. 

We are currently experiencing delays and are unfortunately unable to provide an accurate title processing time. We understand how frustrating this is and apologize for the inconvenience this has caused. We are working diligently to get these titles processed as efficiently as possible and are grateful for your patience. 

If we can be of further assistance, please do not hesitate to contact us through Message Center or call our Experience Management Department at XXXX. The answers to many common questions and a number of self-service resources are available 24 hours a day, 7 days a week through the online portal. '' I have not received any notification of the reason for the delay or the estimated date of resolution.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (PA)

on XXXX XXXX, 2017 my daughter wired {$2500.00} from her Wells Fargo Account to a XXXX XXXX XXXX Account for an apartment she was planning on leasing in XXXX. After learning of the wire transfer I did some investigating and it became clear that she was scammed. I had the account number for the scammers XXXX XXXX XXXX account and called and tried to stop the transfer. I was told by a XXXX XXXX XXXX rep that the transfer was in progress and Wells Fargo needed to call XXXX XXXX XXXX to stop it.. Simultaneously, while I was on the phone of XXXX XXXX XXXX, my daughter was calling Wells Fargo to advise them of the scam. Throughout my call with my daughter I continued to text her to find out how the call was progressing. She texted back and told me she explained the situation but kept getting put on hold. Approximately, half an hour after she made the call to Wells Fargo she was told that the bank was opening a case. She was given a case number but when she called the next day, Wells Fargo had no record of the case. She had to explaining the situation again and was given a new case number. Needless to say, the money was taken by the scammer Wells Fargo did n't even speak to XXXX XXXX XXXX until XX/XX/XXXX ... one day later! Wells Fargo maintains that they are not responsible for the loss. I maintain that Wells Fargo is responsible for failing to take appropriate action and contact XXXX XXXX  XXXX while the transaction was in progress.
Consumer complaint received 2017-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

My name is XXXX XXXX My DOB : XX/XX/XXXX My Social Security # : XXXX In XX/XX/XXXX I lasted my cell phone in XXXX when I moved XXXX. It appears that someone found the cell phone and used it and the charges went up. I dont know that was happening to me until, In XX/XX/XXXX I received a document from XXXX XXXX XXXX stating I owned {$1800.00} to XXXX XXXX XXXX. I disregard the letter because at the time I was recovering from XXXX XXXX. In XX/XX/XXXX I received document from the XXXX County stating I owed XXXX to XXXX XXXX. I disregarding this issued because I was trying to recovering from XXXX XXXX. In XX/XX/XXXX Chase bank see me a letter regarding that they had put a hold on my checking account ( Account # : XXXX ) at the time I have a balance of XXXX ) Again I could do anything because I was recovering from XXXX. In XX/XX/XXXX I contracted XXXX XXXX XXXX who represented XXXX XXXX to find out how much I owed, XXXX informed that I was a balance of XXXX, XXXX.and make arrangement to make payment until I finishing paying the {$3000.00}. I paid XXXX XXXX XXXX over {$2100.00}. I stop receiving statement from XXXX XXXX XXXX. However I would still send payment with a noted on it stating this if for my account. In XX/XX/XXXX I called XXXX and let them know I am not receiving statement from them, why? I was told by a representative at XXXX XXXX XXXX that payment is no longer required, because there is a claim going on. I ask them if they still have a lean on my saving account from Chase, I was told by XXXX XXXX XXXX that there is no lean/hold on my checking account. In XX/XX/XXXX, I went to a chase branch to inquired my balance in my checking account ( Account # : XXXX ) and it show I have a balance of -XXXX. I keep asking why is my account is -XXXX when they put a hold on the account it was a balance of XXXX. The representatives at chase try to investigate but can not give me an answer. According to chase my checking account does not have a lean/hold on it, but chase will not release my funds. I need help in this matter. Chase can not give me a reason why I show a negative balance and why they can not release my funds. Please help. My if you need to reach me my telephone # XXXX, my email is XXXXXXXXXXXX. XXXX XXXX.