davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-29
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (MA)

Dear Capital One, I was shocked today when I reviewed my credit report and saw a late payment reported for XXXX XXXX, showing a 30-day delay. 

I am unsure how this occurred, as I believe I made my payments on time when I received my statements. My only thoughts are that my monthly statement might not have reached me, or the payment may not have been processed promptly. Additionally, it could be related to when I opened a new deposit account, as my bank flagged suspicious activities, leading them to close and reopen the account. 

Thank you for your attention to this matter. 

Sincerely, XXXX
Consumer complaint received 2024-06-17
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. (TX)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (FL)

I am writing to formally lodge a complaint regarding the {$300.00} sign-up bonus offer that was promised to me upon opening a new Wells Fargo consumer checking account in XX/XX/XXXX. My account number is [ Your Account Number ]. 

When I opened my account in XX/XX/XXXX, I was assured by Wells Fargo representatives that I would receive a {$300.00} sign-up bonus after meeting the necessary criteria. I called Wells Fargo in XX/XX/XXXX to inquire about the timeline for receiving this bonus and was informed by a representative that I was indeed eligible for the bonus and would receive it in XX/XX/XXXX. 

On XX/XX/XXXX, I called again to check the status of the bonus, only to be told that I was ineligible because I supposedly have an existing account with Wells Fargo. The last time I held an account with Wells Fargo was in XX/XX/XXXX, well over the XXXX eligibility period outlined in your terms. 

Here are the relevant terms of the bonus offer : You are not eligible for this offer if : You are a current primary owner of a Wells Fargo consumer checking account. 
You have received a bonus for opening a Wells Fargo consumer checking account within the past XXXX XXXX. 
You are a XXXX XXXX XXXX 
Based on these terms, I should be eligible for the bonus as : I am not a current primary owner of a Wells Fargo consumer checking account ( my last account was closed in XX/XX/XXXX ). 
I have not received any bonus for opening a Wells Fargo consumer checking account within the past XXXX XXXX 
Although I am a former XXXX XXXX XXXX, my employment ended in XX/XX/XXXX, and your terms only disqualify current employees from receiving the bonus. 
I have also met the requirement of receiving a total of {$1000.00} or more in qualifying electronic deposits to my new checking account within the XXXX qualification period. 

Given that I have adhered to all the terms and conditions of the promotion, I am entitled to receive the {$300.00} sign-up bonus. I am highly disappointed with the misinformation and inconsistent communication provided by Wells Fargo XXXX, which has led to this unfortunate situation. 

I kindly request that you investigate this matter promptly and credit the {$300.00} sign-up bonus to my account. Should this issue not be resolved to my satisfaction, I will consider escalating my complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory bodies. 

I look forward to your prompt response and resolution to this matter.
Consumer complaint received 2023-02-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NY)

I am aware that according to article 9, the assignment of a defaulted Alleged debt is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692 ( e ) ( 12 ). I am not validating any alleged debt with Transworld Systems , Inc and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX XX/XX/2023, I have not received any documentary evidence such as a trilateral contract giving Transworld Systems , Inc any right to collect on this alleged debt. I have never received any documentation requesting validation from Transworld Systems , Inc. If Transworld Systems, Inc can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing this on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this alleged debt pursuant to 15 USC 1692 ( c ) ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activities of this and any alleged debt until Transworld Systems, Inc can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Transworld Systems , Inc continues its collection efforts, I will file for litigation for actual damages caused and Transworld Systems, Inc will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028a, extortion, theft by deception, securities fraud and mail fraud. Upon receipt of the documents herein this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Newport Intermediate Inc. (TX)

I've been locked out of my account since early XXXX, several emails/calls and still nobody has fixed the problem. I believe they do it intentionally as it's been going on for years. I typically let my account built up and eventually transfer it to my bank- this way there's no fees collected by them. 
Now that I can't access my account funds online I have to use the ATM which generates fees for them. 
This is the same company that wouldn't credit me losses on a lost card years ago as the person who " found '' it used it where I was and another large grocery store nearby.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (FL)

I called upgrade and tried to make a full payment and the lady refused to take my payment over the phone, I told her I couldn't log in online, she said wait XXXX hrs and try again to change the phone number for the XXXX factor authentication, so, I wait, and tried and the same old phone was still on there. I go to work then look at my score and it has a late payment other from upgrade. I called them agin XXXX times and paid the bill in full, they suddenly would take my payment over the phone, I talked to the supervisor XXXX and he assured me the late payment would be taken off the next day on XX/XX/year>, they never did it the first call. Second call was to get an e-mail stating that the account is paid off, and to ask about the late mark removal. No e-mail. Third time trying to get the e-mail, and late mark off said they sent it will send again, and contact the reporting agency to remove the negative remark,. No e-mail, no removal. I've done everything on my end they will not do what they say.
Consumer complaint received 2024-07-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I have explain to SPS millions of time that the XXXX XXXX is covered by my association. And every year, SPS charges me for XXXX XXXX cause they state they never received which is a total lie. They leave the XXXX XXXX on their for months to show that I am short on my Escrow Account when in fact I am not. On top of that when I make the monthly payments they state I am short when in reality they still have not removed the XXXX XXXX. Also later on they remove the XXXX XXXX, but they still do not refunded the account for all the late charges, or finance charges that where charged to my account. This has been happening since XXXX. SPS has also been over charging my monthly payments since XXXX till XXXX.
Consumer complaint received 2024-07-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

My mortgage company - SPS ( Select Portfolio Servicing ) performed an escrow analysis on my account and accordingly my payments were increased. Upon reviewed the analysis I realized they are not using the correct tax amount as my property taxes is significantly lower from what they are estimating. After several phone calls, SPS advised me to email a different company XXXX with the documentation showing the real tax amount. I emailed that company on XXXX/24XX/XX/year> and now we are XXXX weeks passed and I did not get any response. I tried calling again and I was told that I need to wait till XXXX. This is absolutely outrageous as my tax payment are almost {$800.00} lower PER MONTH!! why would i need to wait so long??
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CCS Financial Services, Inc. (MA)

Disputes on my account have been updated but to only be added back with the original predator and collection agency.Frauds, inaccurate reportings, double jeopardy : deleted prior, Specifically speaking XXXX. Who sold it to CCS collection services which they deem they charge-off. 
Which I disputed and had it deleted. Also any payment, balance, charge off history reflecting XXXXXXXX XXXX and or its subsidiaries. Consumer Law Violation ( S ) exist under 15USC 1681 and 1682 Transactions and Experiences are ILLEGAL to Report between the CONSUMER AND CORPORATION OR PERSON. 
Also they have violated the exceptions outlined for reasons to furnish or report data without disclosure and or consenting consent.
Consumer complaint received 2024-08-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MA)

I received my XXXXXXXX XXXX  on Chime paid my car and insurance. They closed my account and kicked me out of the app. I called and they would only say I broke the rules not tell me how or send proof. After 30 days with no money they mailed me a fraudulent refund check I put it in my new account and they wouldnt let me in either. After calling everyday they still wont do anything about this. I lost my car and insurance and now Im losing my apartment as well.. I have no idea what to do I have no way to make money
Consumer complaint received 2024-08-01
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: U.S. BANCORP (KY)

On XX/XX/2024, I applied for business loan with U.S. Bank. After application, I was notified that my application was being reviewed and there was a hard pull from USBANK on my XXXX credit report. 

In about 20 minute I received another notice again from U.S. Bank that my application was being review and then another hard pull from USBANK on my XXXX report. 

I called the bank the following day to follow up on my application and was told it was denied by an automated system and now being reviewed by a U.S. Bank personnel. I then ask why there was 2 applications when I only submitted one application. The representative advised she would have to confirm that with her manager/supervisor and reach back to me. 

She later called within the day and advised I could go ahead and dispute the hard pull. 

I visited my XXXX account and submitted a dispute for the second pull to be removed on XX/XX/2024 and labeled it as " unauthorized pull from lender ''. 

Today XX/XX/2024, XXXX completed dispute with below response " >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/2024 XXXX USBANK99 XXXX '' At this point this matter as moved from unauthorized to fraudulent. I don't see a reason why I would apply for the same product twice while the first is still currently under review. 

U.S. Bank and XXXX should not make excuses for their inadequate systems and take responsibilities for it. 

On XX/XX/2024, I had to file a complaint via the CFPB ( XXXX ) regarding an online application form that clearly stated I can input my ITIN and when I later called in, I was told they only accept SSN so I'm not surprised if there is a glitch and inconsistencies in their system that authorized another pull for a single application.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST NATIONAL BANK OF OMAHA (GA)

In accordance with the Fair Crediting Act this Creditor : FNB XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX has violated my RIGHTS. 

Under 15 U.S Code 1681 Section 602 states " I have the right to privacy '' also under 15 U.S. Code 1681 section 604a Section 2 states " a consumer reporting agency can not furnish an account without my written instructions. '' I want the XXXX XXXX XXXX CARE OF XXXX XXXX XXXX XXXX to remove every account my name, address, & social security number furnished to XXXX, XXXX, & XXXX removed
Consumer complaint received 2024-08-01
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC (MI)

I have attempted to fix my issue with Spring Oak Captial multiple times by requesting the debt be validated as it does not show up on any other reporting agencies and has already been removed for being an incorrect fraudulent debt. Spring oak was mail letters requesting debt verification and responded that they needed new information to validate even when they were provided with that new information a case was still not opened for validation. This is because this case would be impossible to validate as its already been removed. This debt is not mine and has been incorrect reported for over a year without any resolve. This account is not linked to any of my online bank accounts nor has any association with me.
Consumer complaint received 2024-08-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DriveTime (CA)

It is believed that XXXX Drivetime has used deceptive practices to give the impression that they loaned money for my vehicle. After researching their prospectus listed on the Security Exchange Commission, they state that they are only servicers of contracts. Further research on the NMLS and the Department of Finacial Protection sites, XXXX is listed as a debt collector. It only has a license to collect debt in the state of California, there is no mention of a license to lend money to consumers. I have uploaded the attached request for debt validation and am requesting that the CFO provide the information as requested within my letter within the timeframe provided.
Consumer complaint received 2024-08-01
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: Bridgecrest Acceptance Corporation (AZ)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to request validation of the debt you claim I owe. According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX statements alone do not constitute sufficient evidence of a debt. I require a proper validation of this debt. 

In accordance with 15 U.S.C. 1692c ( c ), I also demand that you cease all communication with me regarding this debt, except to provide the required validation or confirm receipt of this letter.

Furthermore, as a consumer report is a medium of communication, please remove any negative information related to this alleged debt from my consumer reports.

Failure to comply with these requests may result in further action on my part. I expect an immediate response. Please address all future correspondence to my address above.

Thank you for your immediate attention.
Consumer complaint received 2024-08-01
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (FL)

I would like to formally dispute a collection account listed on my credit reports. On XX/XX/year>, I sent a comprehensive debt validation letter directly to the collection agency, requesting verification of the debt in question. More than 30 days have passed since the submission of that request, and to date, I have not received any response or verification from the collection agency. 

According to the Fair Debt Collection Practices Act ( FDCPA ), if a debt is not verified within the stipulated 30-day period, the collection agency is required to remove the collection account from all credit reports and consumer reports in which it appears.

Therefore, I request that this collection account be immediately removed from my credit reports, including but not limited to records maintained by all credit bureaus and consumer reporting agencies. I appreciate your prompt attention to this matter and look forward to a favorable resolution as soon as possible. Attached is the letter sent. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-01
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AZ)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to request validation of the debt you claim I owe. According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX statements alone do not constitute sufficient evidence of a debt. I require a proper validation of this debt. 

In accordance with 15 U.S.C. 1692c ( c ), I also demand that you cease all communication with me regarding this debt, except to provide the required validation or confirm receipt of this letter.

Furthermore, as a consumer report is a medium of communication, please remove any negative information related to this alleged debt from my consumer reports.

Failure to comply with these requests may result in further action on my part. I expect an immediate response. Please address all future correspondence to my address above.

Thank you for your immediate attention.
Consumer complaint received 2023-10-28
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. (MT)

I opened a dispute with Experian at the beginning of XXXX because there is a XXXX account on my credit report that does not belong to me, and has been open for far longer than I've had a bank account. It's severely affecting my XXXXredit score, which is troubling, but when Experian followed through with the dispute, they said that the account is mine, so it stays. They said that the company that reported the information to Experian has certified that it is accurate. Still, it is not as I do not recognize the account.