davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NV)

I have asked multiple time for all notes and recorded calls to verify that I have been calling in on both account since inception of both Personal and Business accounts. I spoke to the XXXX  office at Wells Fargo numerous times as should be recorded. Every time they close the accounts without divulging the notes or crediting my account. Wells Fargo has gone as far to say okay looks like you have over {$1700.00} in overdraft fees on your business account we will refund half, I asked how they came to that decision as I have been calling since the inception of both accounts. Why would you only refund half then sent out checks on just my business account overdraft fees but not my personal account. When I spoke with them concerning my personal account nothing was done about that. Since I have not received anything of what I requested. I have filled in small claims court for both accounts. 

I had to let the personal account go negative because they kept letting funds be pulled after the account was at a XXXX balance> When I contacted them concerning this about my personal account NOTHING was done, and they ended up closing the account for to may days negative instead of returning funds as insufficient funds. Wells Fargo did not review of offer to review the account for overdraft fees nor did they get the requested notes and call verifying i have been calling in for XXXX  years asking them to stop letting money come out of my account if I'm at a XXXX balance. 

Personal XXXX Business XXXX
Consumer complaint received 2024-10-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (DC)

XXXX used by two retailers. XXXX in XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX in XXXX. The square system did not allow me to send transaction receipt to email I enter. It defaulted to a previous one which happens to be my work email. That is a violation of my privacy with my workplace. XXXX advises today that when I enter email for receipt, I auto opted into a default email. Never got such clear language when entering email. I just wanted digital receipt at the time. There should be opt in to auto email vs intrusive process to opt out of auto receipts.
Consumer complaint received 2024-10-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (AL)

I WAS REVIEWING MY CREDIT REPORT AND WAS ALARMED BY THE FRAUDULENT ACCOUNTS AND INQUIRIES REPORTING. PLEASE SEE ATTCHED DOCS. 

PLEASE HAVE THE FOLLOWING ACCOUNTS DELETE ASAP -JPMCB-XXXX  -XXXX XXXX -XXXX  XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (PA)

Citibank put a hard inquiry on my credit report from XXXX. I already have a Citibank best buy credit card which I opened in XXXX or XXXX. And I have a hard inquiry on my report from XX/XX/XXXX when I opened it. all of a sudden now they put Another inquiry on it. I want it removed immediately. I tried to get in touch with someone there to help me. Why would I get a new inquiry when I'm already an active customer. This caused my credit score to drop. And it's not right at all.
Consumer complaint received 2024-10-14
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/year> after the devastation of Hurricane Milton. I found myself needing to cash a check made out to me by XXXX XXXX XXXX. I walked into JP Morgan Chase bank which is the name of the bank on the check issued by XXXX XXXX. The teller requested two forms of ID which was presented and continue to inform me there is a {$10.00} fee to cash the check since I did not have an account there. I was unable to visit my own personal bank due to closure, I inform the teller I do not accept the fee charge and exit the bank frustrated : I feel the Greed of banks and corporation have become XXXXXXXX XXXX XXXX to the consumer. 

It's during a time in where devastation is all around the area and folks are facing hard times and JP Morgan Chase could not think of anything but their GREED and policies. 

Although I did not have an account, their customer XXXX XXXX has an account with them and chase could not honor the check because they needed my {$10.00}. How XXXX XXXX XXXXXXXX can you get? If they are the last bank on earth, I would not give them my business. Making you aware
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The list or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 1602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : it also States a consumer reporting can not furnish a account without my writing 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 crime 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 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (TX)

An hard inquiry showed up on my credit report on XX/XX/year> from Institution Information : BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX I call and spoke with XXXX different representatives, one of which their name is XXXX, ID # XXXX, and they all told me that none of my information such as SS #, DOB or name was in their system under an application or credit card. They all assured me that that company did not run any credit report for me. Then I reach out to all three credit bureaus, XXXX, XXXX XXXX XXXX and they all told me that I needed an Inquiry Deletion Letter from BARCLAYS to get it removed from my credit report. Upon reaching out to BARCLAYS to retrieve this letter the company informed me that since they did not run my credit or had my information in their system they could not provide this letter to me. I went back and forth with the credit bureaus and got nothing accomplished. They all are requesting this letter, which I can not obtain. Plus no one is giving me an explanation on how and why this is on my credit report.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (AZ)

I am writing to formally dispute inaccurate information on my consumer report. It has come to my attention that your agency is reporting information on my consumer report without my consent, thereby failing to apply maximum accuracy in accordance with your vital role in assembling and evaluating consumer credit information as stipulated in 15 U.S.C. 1681 ( a ) ( 3 ).

Furthermore, I am aware that your company policy requires you to maintain written consent from me, the consumer, authorizing you to report any account on my consumer report. Federal law under 15 U.S.C. 1681b requires that you must have either court jurisdiction or a handwritten letter from me giving you permissible purpose to report such information. Your failure to adhere to these requirements constitutes a violation of my privacy.

Additionally, as a financial institution, you are obligated to uphold maximum privacy of my nonpublic personal information pursuant to 15 U.S.C. 6801 ( a ), which states that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
Moreover, I demand that your agency immediately cease and desist all illegal activities and all mediums of communication related to the collection of this alleged debt. Your persistent attempts to contact me at inconvenient times have caused significant disruption and damages, affecting my business hours of operation. I am fully aware that a medium of communication also includes my consumer report, and I demand the deletion of the account reported on my consumer report. 
I demand that your agency promptly investigate this matter and remove the inaccurate information from my consumer report. Please provide me with a written response detailing the actions you have taken to rectify this situation within 30 days of receipt of this letter. 
Failure to comply with these demands will leave me no choice but to pursue all available legal remedies to protect my rights and seek compensation for the damages caused by your actions.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

My account with ( XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX 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 ( MONTHS REPORTING LATE ) 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 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 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I watched my credit report recently and there are fraudulent inquirys on my report XXXX  XXXX XX/XX/2024 XXXX XXXX XXXXXX/XX/202XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2024 These inquiries are to be removed as this is fraud I did not authorize these.
Consumer complaint received 2024-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (SC)

I bought a computer from XXXX through my Paypal credit card by going on the website and chatting with the Representative. I was having to return the original computer because the trade in was not processed properly. The Representative created the cart for me but the price was wrong. It was some XXXX higher then it should have been. The Representative assured me that the difference would be refunded to me when the trade-in went through. I hesitated, and asked him to double check. He assured me that the difference would be refunded. The difference was never refunded. I called XXXX and they said it was because I didn't create the order under my account. When I pointed out that the XXXX XXXX created the order, they said they could file an appeal. I said that was never the agreement. I was lied to in order to create a sale. And paypal has not followed up. They're " investigating '', even though the transaction was in XXXX. They need to give me an answer and I need the refund I was promised by XXXX. They just charged me XXXX XXXX more then they promised. And paypal has done nothing but maintain silence.
Consumer complaint received 2024-10-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (TX)

Sherman Financial and LVNV Funding have misrepresented the true ownership of the account, engaging in deceptive practices. Under Texas Finance Code 392.202, I request that LVNV Funding, LLC investigate and validate this debt, notify the credit bureaus of my dispute, and cease collection activities, removing the tradelines associated with the account ( XXXX, XXXX, XXXX ). 

Additionally, LVNV Funding and Resurgent Capital Services, though operating as the same business, mislead consumers by reporting the debt under LVNVs name while all communications and payments are directed through Resurgent. LVNV Funding does not take payments, respond to XXXX disputes, or address CFPB complaints. This violates Texas Finance Code 392.304, which prohibits the use of false, misleading, or deceptive practices in debt collection. 

I also believe that Sherman Financial Group is the true owner of the account, raising concerns about the accuracy and legality of LVNVs reporting and collection activities. Furthermore, LVNV or Resurgent may have executives or shareholders who are not legally allowed to collect debts, compounding potential violations of state and federal laws.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (CA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

I have contacted Wells Fargo repeatedly to request removal of this account. However, each time I reach out, they provide inconsistent information, altering the dates of the alleged delinquency. It appears they lack accurate records and are fabricating dates arbitrarily This account was on schedule to be removed this year in XXXX. You all pushed back the date every year
Consumer complaint received 2024-10-13
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (IL)

VALIDATION AND CEASE AND DESIST Re : Dear Sr : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation. 
the ___ __________________________
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to dispute and request removal of the late payment reported on my credit report for the XXXX XXXX XXXX account. This letter serves as formal notice under the Fair Credit Reporting Act ( FCRA ) and New York State laws. 


Facts : 1. The reported late payment is inaccurate and unsubstantiated.

Violations : 1. FCRA 1681e ( b ) - inaccurate information reported.

2. 12 CFR 1022.41 - furnishing inaccurate information. 
3. New York State General Business Law 380-a - false or misleading information.

Removal Request : Pursuant to FCRA 1681i ( a ) and New York State General Business Law 380-b, I request : 1. Immediate removal of the disputed late payment.

2. Confirmation of removal in writing.
Consumer complaint received 2024-10-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (VA)

On XX/XX/year> the XXXX XXXX borrowers sent the Department of Education the XXXXXXXX XXXX white paper, XXXX Lies : How XXXX XXXX XXXX and XXXX XXXX XXXX Defrauded a Generation of Students and the Federal Government that detailed copious evidence collected by XXXX borrowers themselves. The evidence comes from lawsuits, settlements, congressional testimony, and federal investigations. Furthermore, our letter to the Secretary of Education cosigned by nine organizations including the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and 1,035 XXXX students, faculty and staff collectively recommends the broad cancellation of all XXXXXXXX XXXX loans. 

I am filing a complaint for the Department of Education to take notice that the borrowers deserve to be made whole from a governmental system of oversight that has failed them. 

I was dependent on the loans for both tuition and living expenses. Due to being on a XXXX XXXX at the time of the closure and XXXXXXXX XXXX  parent company stealing our loans, I found myself without a job or income. This led to being able to be unable to afford gas, food, dog food, and rent. I subsequently had to max out my credit cards and take on more personal debt. Due to that lack of income, I ended up not being able to pay my monthly minimums and had a substantial drop in my credit score, which I am still suffering 5 years later from this drop in credit score. 

This is in addition to XXXX having : Lied about graduation rates, job placement rates, and potential salaries upon graduation ; Lied about available grants, scholarships, and financial aid ; Enrolled students regardless of their qualifications and ability ; Failed to properly inform students about loan options available and the differences between federal and private student loans; Misled students about the actual total costs of education ; Misled students about accreditation and the transferability of credits.