davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-19
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: M&T BANK CORPORATION (NJ)

I opened this savings account back in XXXX as a way to save some extra money after opening a car dealership business. I started by writing checks from the business account and was depositing them into my M & T Bank savings account. Back in XXXX the checks were flagged as fraudulent, and I was asked to provide documentation proving I was the owner of the business. I did. After I did, back in XXXX they said everything should be fine. My last deposit, I believe, was maybe in XXXX because of this. Since then, I have gone to the branch to close the account to get the money in XXXX and at first was given a hard time because of the fraudulent issue in XXXX. It took months for them to say they'd give me a check for {$32000.00} but not the rest ( XXXX ) because of the fraudulent issue. I was told I would receive a call to get information as to how to get the XXXX. I never did. More months passed because I was not able to get into the branches due to my schedule. Finally, in XXXX, I was able to speak to someone at a XXXX in New York and they told me it was rectified and I would just need to wait weeks for them to send me a form to change my address on file. I never received a call or email, as they said I would. This was in XXXX, I believe. I kept calling to follow up at the branch in New York, and finally they told me the account was closed, but I hadn't received the funds, or the call to change my address. They said just keep waiting. I went back in to complain and they told me all they can see is that the account is closed and there are no funds. I called customer service and they told me to go to a branch to solve this. I thought there was nothing I could do. Please help.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

My name is XXXX XXXX and ( XXXX : XXXX ) | was never late on the accounts XXXX & XXXX. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payment from my credit report per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, creditors are required to notify consumers in writing of any late payments that will be reported to credit bureaus at least 21 days before the report is made. I did not receive such a notification from CreditStrong.

Given this, I request that you investigate this matter and remove the incorrect late payment from my credit report. Enclosed is an email that proves I requested this information, supporting my dispute.
Consumer complaint received 2024-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo, Im very disappointed in the service I have received from this company! You have Defrauded and taken advantage of the elderly and I have been a loyal member and in good standing with this company for years!

I am contacting you regarding an ongoing issue with my Wells Fargo account that I have been attempting to resolve. My name is XXXX XXXX, and I have been a dedicated customer for over 40 years. Recently, I encountered a problem that made me feel unappreciated due to an unresolved matter and a lack of empathy. On XX/XX/year>, I wrote a check for {$37.00} to my phone bill company, but they claimed it was late. I sent another check for {$76.00} to cover the missed payments, but they said they never received it. I then made a payment over the phone to avoid service interruption. Subsequently, I discovered {$3400.00} was removed from my account due to a personal check that I did not authorize. Despite my inquiries, the bank refused to provide details and escalated the matter to their fraud department. Upon their return to me, they determined it was not a case of fraud. I made a request to the bank for the check that had been written, and they sent me the checks written in XXXX and XXXX. The check in question was made out to XXXX XXXX XXXX for {$3400.00} with the check number XXXX dated XX/XX/year>, which struck me as odd since I had already used that check number to pay other bills. Additionally, the amount was alarming, as I never spend over {$200.00} on any purchases and do not write personal checks to anyone. I would like this matter to be further investigated, as a significant amount of money was taken without my knowledge, and I have not received any explanation as to why this was allowed to happen. I have documentation of the checks sent by Wells Fargo, as well as the letter I received in the mail regarding my late phone bill payment, which should not have occurred. As a fraud department, you are supposed investigate throughly! you can clearly see the checks look altered and the writing is different! I did not write this check you can clearly tell. Also, you have the means to see who this person is! Please can you help me? 
Please contact me at your earliest convenience to discuss how to resolve this matter. Thank you. 
Cell Phone : XXXX
Consumer complaint received 2024-06-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (MI)

I have already paid of one of my loans back in XXXX and suddenly on XX/XX/XXXX this loan is again posted of {$7000.00} on my account. I have called customer service and they have stated " this may have been a technical difficulty as it seems you have finished this loan payment ''. I am very disappointed with Edfinancial because this is the second time I am experiencing technical difficulties with my loan repayment. My first time was setting up auto payments back in XX/XX/XXXX. I have made a complaint back then and then everything was resolved. I have been very diligent about repaying my loans and have gone above and beyond for repayments. Edfinancial is scamming me to make me pay more. This is very unethical and can be taken to the court of law. I have all evidence that I have paid my loan. This needs to be fixed and my repayment amount needs to be accurate before serious consequences start arising. 

I called Edfiancial on XX/XX/XXXX and have uploaded bank account statements as well as letter of completion of Loan this day as well.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SANTANDER HOLDINGS USA, INC. (TN)

Per the FCRA, as a federally protected consumer, I am now OPTING OUT of any and all authorization I may have given you, whether WRITTEN, UNWRITTEN, VERBAL, or NON-VERBAL, as per federal privacy laws. THE PRIVACY ACT OF 1974 mandates criminal liability for willful and knowing violations, and it enforces the accuracy and fairness of credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY under these regulations. 

It is the policy of Congress that each financial institution must respect the privacy of its customers and protect the security and confidentiality of their non-public information. These institutions have an OBLIGATION with respect to the disclosure of personal information. The enforcement of these regulations is carried out by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons under their jurisdiction.
Consumer complaint received 2024-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (NY)

I went to pay my personal bill for my business account {$400.00} and they did not tell me the business account was closed so they have put a block on my personal account and it has been numerous days and I can not access any of of my money and they refuse to close my account to give me my money back and no one is updating on me why they lift the block I Verified my identity and went to the branches and explained the entire situation to them and they refused to release my money
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/year>, I called to pay off my account referenced above for {$860.00} so that I can received a XXXX-balance letter from Capital One. 
The representative at the Charged Off department instructed me to settled for {$700.00} and stated that I will be emailed a Paid-Full letter stating a XXXX balance. 
The letter received from Capital One did not state Settled in Full nor XXXX balance. Attached hereto are the letters stating unacceptability by XXXX and XXXX. 
My repeated calls and requests to Capital One to provide a letter stating a XXXX balance and Paid in Full have been ignored. Capital One unwillingness to change course of action is jeopardizing my ability to purchase a home. 
Capital One, XXXX and XXXX have violated Section 5 of the FTC ACT. As so stated, Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ), prohibits unfair or deceptive acts or practices in or affecting commerce.

Misrepresentations or omission of material fact constitute deceptive acts or practices prohibited by Section 5 ( a ) of the FTC Act. 
I am requesting Capital One to immediately resolve this misguidance by sending requested letter that state SETTLE IN FULL with XXXX Balance.
Consumer complaint received 2024-08-23
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)

There are items on my credit report that have resulted from fraud to which I never benefitted from. My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have reported them to the federal trade commission but they are not removed from my report it is adding unnecessary stress in my life.
Consumer complaint received 2024-07-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HYUNDAI CAPITAL AMERICA (CT)

XXXX withdrew {$570.00} from my XXXX Checking Account. I have never owned a Hyundai or bought any vehicle from a Hyundai Dealership. When I explained that to them, they said without an account number we cant help you. I tried giving them my checking account number so they could look it up and see what account it's linked to and they said, sorry, we can't look that up. I have a feeling though they'd be more than happy to take it over the phone though to make a payment.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United PanAm Financial Corp. (MA)

I am writing to express my deep concern and frustration regarding an error with my credit card report. All three major credit bureaus have incorrectly reported a significant issue on my credit card account, which has drastically hurt my credit scores. This mistake has caused me emotional distress, as I have always been diligent about managing my finances. I am worried about the impact this error is having on my ability to secure loans and other financial opportunities. I kindly request your immediate assistance in correcting this error to restore my credit score and bring peace of mind back into my life.
Consumer complaint received 2024-07-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Duvera Billing Services, LLC (AZ)

I was recently notified by the XXXX that my identity had been stolen and used on multiple occasions since XX/XX/XXXX. The thief first began working at XXXX restaurant under my identity. He worked there for over a year before quitting and relocating to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX again under my identity. 
During the time he had my identity, several attempts were made to open credit cards in my name. As of today, XX/XX/XXXX, the thief was fired from his place of employment due to fraud allegations. I spoke directly with them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX who confirmed these actions. 
The theft of myidentity has caused significant problems. My healthcare and nutrition assistance were canceled, which has been especially difficult for me as Ihave a XXXX baby. Additionally, thefraudulent credit card applications have directly impacted my credit score with multiple hard inquiries. 
Here are the fraudulent inquiries that have affected my credit report : XXXX. XXXX XXXX NA** - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX - XXXX Date : XX/XX/XXXX. XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX Duvera Billing services Reported : XXXX. XXXX, XXXX XXXX XXXX XX/XX/XXXX Thank vou for vour attention to this matter.
Consumer complaint received 2024-07-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (MD)

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 that I have the right to privacy. 15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681 c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (SC)

I tried to fix this situation but the company sent back documents that has nothing to do with my claim. I am now sending a pre arb demand letter because my next step will be arbitration.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NH)

I am writing to formally dispute certain personal information that is inaccurately reported in my credit report. I have recently obtained a copy of my credit report from your agency and have identified discrepancies that require immediate attention. The inaccurate information is negatively affecting my credit profile and financial well-being. Please see the attached documents.
Consumer complaint received 2023-05-13
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. (GA)

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent items on my credit report and have yet to receive anything back in over 45 days for these accounts that are clearly fraudulent accounts. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. These credit bureaus are not abiding by the law and taking advantage of consumers and this has caused me to not be able to purchase a home for me and my family along with higher Interest rates. The most recent certified letter I sent was XX/XX/2023. 

XXXX  Account # XXXX & # XXXX has violated my rights. 


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 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXXXXXX XXXX XXXX  I spoke to a customer service rep named XXXX at Chase Business Card Inc regarding an issue on my business card with them that had an approximate balance of $ XXXX due to the real estate market being slow and generating income/commissions to pay the bill. I have always maintained a current balance, but I then went 60 days past due but was told don't go to 90 days past due. I asked for alternatives to help me. She told me to call back of XX/XX/XXXX and speak to a supervisor which I did and his name was XXXX and he told me about the resetting program but I would need to make a payments of {$1800.00} for XXXX, XXXX and XXXX and then I would be caught up and XXXX I would start from the beginning again and be current, as I was unable to come up with that type of money immediately. I said lets give it shot and do it and I will make my first payment on XX/XX/XXXX and continue to move forward with the program. All of a sudden on XX/XX/XXXX I get an email about my credit and then on XX/XX/XXXX they moved by business card to my personal credit and knocked my score down XXXX points. I called up again trying to get the supervisor XXXX to check the phone conversation about the program I agreed upon and he didnt return a call until 2 days later saying that I didn't go on the resetting program. I could not get him on the phone and spoke to various other agents saying that this was their interpretation of call at that time, how did i come up with those amounts to set up the program, I had nothing to lose. Chase would not do anything for me not even their credit monitoring system to remove this business card from my personal side but now it has destroyed my credit stopping me from refinancing my house or get a car. I have all my accounts and cards with them for over 25 years. I then had to recall again go on the same resetting program where I have been current now for the last 4 months but now my credit is ruined. This was not my error but the error and incompetence of the reps from Chase not knowing their own business but their negligence on handling this matter. If it was done correctly from the on start this would have not been an issue and credit service department will not remove my business card off my personal credit, if they did my credit would now be XXXX not XXXX
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc. (IL)

My account with KICK OFF LENDING was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

KICK OFF LENDING Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Greetings, Thank you for your timely response to my debt validation letter regarding for account ending in XXXX. I accept your dishonor and return it for back for value. Under FDCPA 15 USC 1692g All debts must be validated through a signed oath, affirmation or affidavit under penalty of perjury. You have failed to do the above and you have no claim aganist me. As stated in the previous letter Capital One alleged claim will not be considered if any portion of this Debt Collector Disclosure Statement is not completed and timely returned with all required documents.

You have failed to do none of the above and your claim is null and void ab intio. I do not owe any debt to Capital One. If you can prove this I kindly request that you provide an affidavit sworn under penalty of perjury from an authorized agent or party with first hand knowledge of this. I also demand that you provide evidence that I made payments on this account, and I used the account to purchase goods and serivces via an affidavit sworn under penalty of perjury from an authorized agent or party with first hand knowledge of this. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX - A copy of a consumer contract is not evidence of a debt.