davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-16
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV INC. (CA)

I am on Paid family leave for XXXX in California. I was confirmed to to be paid a total sum of {$6300.00} for XXXX weeks of paid family leave. On XX/XX/XXXX I was approved and was notified over mail that they would send me a Money Network debit card. I waited about XXXX weeks of business days. My card never arrived so I called Money Network and told them I have not received my debit card. I was then told on the phone that I already withdrew my money from my debit card. I notified the Money Network employee I havent even received my card in the mail at all. The employee then said they will send me a dispute form. I have not received any type of dispute form. Once I do get a form and send it, may take up to XXXX to XXXX business days to see if they can even return me my funds. They made XXXX withdrawals of money on my card to steal my money. I never received a card from Fiserv Money Network or a dispute form or my money back. How can someone activate a card so easily and steal the money. Shame on Fiserv Money network.
Consumer complaint received 2024-08-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc. (CA)

I have tried to gather information about this debt but the collector doesn't provide paperwork or signatures of the situation they claim against me. 

The name of the Company is : Progressive Management last reported XX/XX/year> The amount {$6200.00} I have done XXXX reports to fix this with XXXX XXXX in different months, nothing has happened. The balance seems to increase and on my credit report this shows as collection. 

I need this to be immediately removed from my Credit Report as this doesn't belong to me.
Consumer complaint received 2024-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

During or shortly after XXXX of 2004, a bank account I held jointly with my father was frozen by Bank of America. At the time, I was alarmed to find the account listed a {$0.00} balance. I was informed by the bank that the balance, {$3100.00}, was frozen, not missing. My repeated requests for a copy of the order from the bank freezing the funds have never been met. There was a guardianship action in play, but that court had no record of issuing such an order. To date, I havent been told where I could appeal the order. Almost 20 years later, the bank sent a check for the {$3100.00}. I would like to be paid interest on that money.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I am writing to bring to your attention a serious issue I am facing with Wells Fargo concerning a series of fraudulent charges made on my banking account. I have taken all necessary steps to dispute these charges but have not yet received reimbursement for the unauthorized transactions. 

I initially reached out to Wells Fargo 's customer service fraud department to address these issues, only to be informed that they are currently overwhelmed with disputes, which led to the closure of my account. This response further complicated my situation, as I am now without access to funds while dealing with the repercussions of these fraudulent activities. 

To ensure this matter is properly documented, I have also filed a police report as a victim of robbery and a data breach, which I have shared with Wells Fargo as evidence. Unfortunately, their response does not adequately address my concerns. 

Wells Fargo responded with the following statement : " Thank you for contacting us. We completed our research and are providing details to address your concerns. You did not provide new information, so our response remains unchanged. Unfortunately, your request for the bank to write letters to your creditors explaining why payments were returned can not be fulfilled. While we realize this resolution may not be what you were seeking, we hope this letter provides clarity about our position in this matter. '' This communication fails to resolve my issues or provide any real assistance in rectifying the situation. 

I kindly request that Wells Fargo undertake a thorough investigation into the fraudulent charges and issue reimbursement for the unauthorized transactions immediately. Furthermore, I urge them to take appropriate steps to correct any negative impact on my credit as a result of this incident. 

Thank you for your attention to this matter. I appreciate your assistance in ensuring that consumer rights are upheld.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I am the victim of identity theft. I have contacted this company letting them know that there is several fraudulent accounts on my credit report. I also let them know that my personal information is incorrect. I spoke the representative XXXX ID # XXXX on XX/XX/year> and she is refusing to transfer me to a supervisor and also telling me that the fraudulent information cant be blocked from my account until the investigation is complete even though I submitted my ID, FTC report, bill and social security card. She is telling me that I did not submit all the information on XX/XX/year> but I have emails and screenshots showing that the documents were submitted successfully. This company is violating my rights, and have been doing so for years. They try to stall out my disputes in hope that I will get discouraged and give up. I asked to speak to a higher tier and she left me on hold for 20 mins then a guy came on the line and told me they dont block information. She also stated I submitted information by mail on XXXX of 2024 but could not provide me any details.
Consumer complaint received 2024-05-30
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. (CA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (KY)

What I am currently experiencing all started on XX/XX/XXXX. I will give the back details so that all of this makes sense. I had checked my bank account the morning of XX/XX/XXXX to see that my bank account had been overdrawn by {$120.00} exactly. This overdraft was suppose to be coming from my health insurance on top of their ( {$110.00} ) they also took another ( {$34.00} ) for the overdraft since the money wasn't all in the account. I didn't pay it any mind and was just going to get myself back in a positive when I got paid that Friday. I continued think about how greedy it was of them to take their money and still yet charge me the {$34.00} overdraft fee on top of what they were already receiving from me. I decided to call XXXX XXXX, XXXX XXXX on that Monday to ask why they still charge me the overdraft fee after getting their money that was owed to them. It was to my surprise that they told me, " We aren't sure who that money is going to, but your premium to us is $ XXXX a month. '' The woman and I talked about these transactions and what were named on my bank statement. She even said they she didn't have any record of me paying anything to them. She contacted the business that it said on the statements and we completed a three-way call. The other lady for the business " XXXX XXXX '' also stated that she couldn't even find an account for me or find anything that says that I had ever paid anything to them. She even expressed that their business is life insurance and not medical insurance. After completing the call with both women, I was advised to get in touch with my bank to dispute these transactions. I spoke to a gentleman through the customer service line at Chase who helped me dispute these charges that went all the way into XXXX of XXXX. He had said that he had never saw things like this personally but had heard about it. I provided a document straight from the insurance company that states that my premium is $ XXXX a month. If I had not been curious of their greed then I would have never found out that all of these charges were fraudulent. It was of course to my surprise when I had check my account today, XX/XX/XXXX, to see that the dispute was being reversed and had drawn my checking account to XXXX. I filed these claims almost two months ago and now they are reversing them, leaving me in a financially hard place. 
I will attach the official letter that was given to Chase by my health insurance regarding all of the claims. I have also attached the screenshots of them reversing all of the payments and putting me into the negatives.
Consumer complaint received 2024-09-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

I initially did a CFPB complaint in XX/XX/XXXX. Prior to doing so, I have disputed the orignal creditor : XXXXXXXX XXXX  with the CRA 's and this account was removed due to identity theft. Portfolion Recovery Associates aka PRA are in direct violation of the FDCPA as this account with XXXX XXXXXXXX was not verified and removed from the CRA 's. There are no inquiries on my credit reports from XXXX XXXX 

The Consumer Financial Protection Bureau ( CFPB ) also took action in XX/XX/XXXX against Portfolio Recovery Associates for violating a XXXX CFPB order and engaging in other violations of law. 

Portfolio Recovery Associates are also in direct violation of the FRCA by furnishing information to CRAs that it knew or reasonably should have known was inaccurate, including failing to furnish accurate information with me previously disputing the credit one accounts with the CRA 's as identity theft and had these items deleted.
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Continental Finance Company, LLC (FL)

I received a credit card under the name reflex that I never applied for. I reported it through the lost and stolen line provided on the paperwork, enclosed with the credit card. I spoke with XXXX XXXX, who said the account would be closed without any damage to my credit and an investigation would be opened. He was unable to tell me how the card was issued without my consent. I am worried about my credit being hijacked. XXXX also stated that there was a known problem with the company known as Celtic Bank. People need to be aware of this.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mr. Cooper Group Inc. (TX)

I am REWRITING to complaint to NATIONSTAR/MR COOPER about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XX/XX/year>. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My account with XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 XX/XX/year> 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. 

XXXX XXXXXXXX XXXX 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 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to inform you about fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress. I have already reported this incident as identity theft and taken immediate action. It is crucial to address this matter promptly due to its negative impact on both my financial well-being and personal reputation. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. Your prompt attention to this matter is greatly appreciated.
Consumer complaint received 2023-04-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC. (MI)

Midland Credit Management sued me while I was in good standing with a settlement agreement through XXXX XXXX XXXX on the first of three accounts held. 

All three accounts are from defaulted credit card debts. They continue to report the collection balances higher but as stated they sued me on the second account they held while I was making monthly payments on the first account. They are the only collection on my credit report & have also put a lien on my Fed tax return. I just couldnt afford to pay on all three accounts simultaneously but was in good standing on the first account when they sued me.. They sued me for {$1700.00} on an original default of {$600.00} credit limit. I settled the first account they held ( synchrony bank ) and paid it off a couple months early in good faith, prior to realizing that they sued me. In total they received {$2500.00} on the first account & dont deserve a penny more due to their unethical practices. I wouldve negotiated on the other accounts if they hadnt been so impatient & wanted me to pay on all accounts simultaneously.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OR)

I am writing about the ongoing issue regarding the removal of fraudulent items from my credit report. Despite providing all necessary documentation and following the prescribed procedures for disputing inaccurate information on my credit report, the items remain unresolved, causing significant distress and impacting my financial standing. I understand that rectifying such matters can be complex, but the repeated failure to address this issue is deeply concerning. The presence of fraudulent items on my credit report not only misrepresents my financial history but also undermines my creditworthiness and ability to access financial opportunities. I urge you to help me escalate this matter internally and allocate the necessary resources to expedite the removal of these fraudulent items from my credit report. Additionally, I request a thorough review of your company 's procedures to prevent similar inaccuracies from occurring in the future. I expect regular updates on the progress made towards resolving this matter and a commitment to transparent communication throughout the process. Furthermore, I insist on compensation for the damage caused to my creditworthiness and the inconvenience and stress I have endured as a result of this ongoing issue. Please help me remove these items immediately : XXXX XXXX Balance Owed : {$2400.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$13000.00} 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 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 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 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 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 2024-07-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CO)

1. When the federal loan platforms changed, they automatically updated my income despite the previous rules that it would be on hold until XX/XX/2025 ( I was someone that was asked to recertify before the deadline was extended ). My payment never went up before the transfer but now it went from {$300.00} to {$2400.00}. Ive called several times asking for a correction and am in an administrative forbearance with no correction in site. My forbearance ends in XXXX  days with no correction. 
I have called several times and most of the people I talk to have no idea what they are talking about and just say they cant help me, and dont understand their own policies
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and XXXX the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it. Letters were mailed.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I have reviewed my credit report and there is unauthorized inquiries on my profile- I have never applied for all the inquiries I have on my file. please see below - Equifax Inquiries - XXXX XXXX XX/XX/XXXXXXXX  - XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX \ XXXX INQUIRIES - XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  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 XXXX XXXX XXXX XXXX IACCOUNT XXXX XXXX XXXX  - XXXX THIS IS NOT MINE NEVER HAD AN ACCOUNT WITH XXXX XXXX XXXX XXXX  - XXXX - NOT MINE NEVER HAD AN ACCOUNT. XXXX INQUIRIES - XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX