davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
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. (TX)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX CAP XXXX XXXX
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-19
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (NH)

I have an Amazon XXXX account, and make purchases regularly. Somehow, apparently in XX/XX/year> I was induced to sign up for a credit card with Synchrony Bank, when I made a purchase I was apparently asked if I wanted to use a store credit card, and thinking it referred to my regular XXXX  account I said yes, and that became my default payment method. I never received a paper statement, but began receiving emails and phone messages saying my payment was overdue. It said Synchrony Bank, which I didn't recognize as a bank I had ever dealt with. When I would try to call, the recorded voice would ask for my Social Security number which I did not want to give out, thinking it was a scam. Finally I spoke to a real person and told them to send me a statement so I could confirm the purchases were legitimate, and to close the account. It took a while for them to send me the statement. When I confirmed the purchases were legitimate, I paid the bill which by that time included a large interest charge. Thinking I would never hear from them again I threw the statement away. This was sometime in XXXX. Just recently, I started receiving more emails telling me there was an overdue payment due. I called yesterday and finally reached a human, after declining to give my Social Security number, and not being able to give my account number because, again, I have not received either a paper or an email statement. The person told me the payment was late so I now owe another interest charge and late fee. I told him this was fraudulent, that it was a bait and switch, that I never intended to sign up for the card to begin with, and that I was not going to pay the bill
Consumer complaint received 2024-07-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Momnt Technologies, Inc. (AZ)

On XXXX of XXXX, I agreed to an XXXX month, no interest loan for $ XXXX with XXXX XXXX for my bathroom remodel, aka XXXX XXXX XXXX XXXX with the rep who came to my house. I could have paid the amount in full at that time but because I have an outstanding credit score, about XXXX, I wanted to make the payments to keep or even increase my score. So I divided the XXXX by XXXX and came up with a monthly of {$550.00} with {$550.00} for the XXXX month. I then set it up on auto pay with XXXX My then fiance was present in all of these discussion. So about XXXX XXXX months ago, I noticed my balance was more. So I called XXXX and asked whats going on. I was then advised that my financing was being financed by XXXX XXXX  whose information like address or tel no was not known by the rep. She then told me that I was on a XXXX yr loan with a 5.99 % interest rate. I dont have the reps no anymore so I contacted the other office person I spoke with about my loan. She told me she no longer works for the company and all my files were with XXXX XXXX Called the latter and I believe I spoke with a XXXX who confirmed that I had the loan with the interest. I paid this loan on time. I am disputing the finance charges.
Consumer complaint received 2024-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

A check was written through XXXX XX/XX/year> and was not received by client. 
I tried to stop payment only 10 days after check was issued- unable to. 
When called the customer service number- they claimed it was cashed. 

I then asked for copy of this check -- - they refused to send it. 
I then asked for stop payment again -- and the funds to be replaced. 
WELLS FARGO BANK REFUSED TO REPLACE MY FUNDS- AND TOLD ME THEY CLOSED THE CASE. 

I finally obtained this check 2 months later -- it has never been endorsed -- it is blank on the back. 

THE CHECK WAS NEVER ENDORSED THE CHECK WAS NEVER CASHED THE CHECK WAS CLEARED ANYWAY BY WELLS FARGO BANK THE FUNDS $ XXXX NEED TO REPLACED AND THIS BANK SHOULD BE REPRIMANDED. 


MY NEXT CALL IS TO INSPECTOR GENERAL
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (IL)

Dear NAVY FEDERAL CREDIT UNION, I, XXXX XXXX, have written this letter to dispute a LATE PAYMENT that is falsely added to my closed NAVY FEDERAL CR UNION account ( Account NUmber : XXXX ) on my credit report. My card was closed by the Creditor as of XX/XX/year> leaving this account non functional. I physically went a NAVY FEDERAL CR UNION branch in XXXX, IL in XX/XX/year> and cleared any outstanding balances on the account down to a XXXX balance. 

As of XX/XX/year>, I received Credit alert with a 30 day past due notification for this NAVY FEDERAL Account. ON XX/XX/year> upon investigation in the branch this {$11.00} charge occured as a result of a interest and was placed on my account after I paid it off and did a final settlement in XXXX. The balance of {$11.00} has been paid off during my visit to the branch on XX/XX/year>. NAVY FEDERAL CREDIT UNION FAILED to send me a notification/statement of this {$11.00} charge on my closed Account ( ( Pursuant of 15 USC $ 1637b ). NAVY FEDERAL failed to provide written communication on this {$11.00} charge on my account ( Pursuant of 15 USC $ 1666b ). NAVY FEDERAL CREDIT UNION has revoked my online account access in XXXX, therefore I am unable to login to my profile. 

Creditor : NAVY FEDE
Consumer complaint received 2024-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please assist me in regards to some negative items that are showing on my report, i already provided the 3 documents the last time you asked me to provide together with the dispute letters and the specific accounts that I wanted to be removed from my report.
Consumer complaint received 2019-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (NJ)

I accepted an offer for an Aspire Credit card in XX/XX/XXXX. Card account was opened. My first statement dated XX/XX/XXXX had the following fee assessed. 

Trans Date Post Date Description of Transaction or Credit Amount XX/XX/XXXX XX/XX/XXXX ANNUAL FEE {$120.00} This annual fee is exorbitant and was not clearly communicated to me when I opened the account. I communicated to the lender asking them to refund or close the account. They have refused to do so.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (TN)

Hard inquiry that I do not agree that was made by me. This hard inquiry was on XX/XX/year> I have no idea how this happened Ive never applied for credit with this company. Wells Fargo Card Serv ( Bank ) I do not own an account nor applied for an account with this company. This is a theft of identity.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I filed a few disputes with XXXX confirmation # XXXX # XXXX # XXXX about me victim of identity theft and I was effected by XXXX data breach and XXXX XXXX XXXX  data breach. XXXX is refusing to remove these inquiries that I didn't authorize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX. Someone used my information without my authorization for I am victim of identity theft see attached
Consumer complaint received 2024-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (NY)

In XX/XX/year>, I wrote out a check through my mobile app for my landlord in the amount of {$440.00} dollars. I received a call from my landlord a few days later that he could not cash the check due to the check being a duplicate check to the prior check. I sent out another {$440.00} again through my mobile app, and Chime took the money out of my account but never put the money back into my account. After a few calls and disputing it with Chime, I received my money refund in late XX/XX/year>. Meanwhile, I wrote another check on XX/XX/year>, to my landlord once again and I had received a call from my landlord saying the check was altered, only something that could be done by Chime chime is now confusing the my refund for the XXXX check that i recieved in late XXXX for me refund that was suppose to be giving back to me and as of yet i have not recieved it and its XX/XX/XXXX XXXX
Consumer complaint received 2024-07-25
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: ENCORE CAPITAL GROUP INC. (CA)

I have viewed a copy of my consumer report and when reviewing a copy of it I noticed that the consumer reporting agency as well as the so called " creditor '' have unlawfully furnished my information without my consent. It is very clear that within the FCRA in pursuant to 15 USC 1681B they must have my written consent or court jurisdiction to furnish any of this information on my behalf, I do not consent to them furnishing anything on my behalf, with that being said i am cease and desisting all illegal activity In pursuant to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 
As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other mediums. 
Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ) Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 
If you do not cease communication a lawsuit will be commenced against you. Thank you for your cooperation
Consumer complaint received 2024-09-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC. (MO)

I WOKE UP THIS MORNING CHECKED MY CREDIR REPORT AND NOTICED THAT THIS ACCOUNT IM REPORTING TO BE BLOCKED AND DELETED IS STILL SHOWING ON MY REPORT AND AFFECTING MY CREDIBILITY.
Consumer complaint received 2024-07-24
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: EQUIFAX, INC. (IL)

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 2024-07-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I attempted to wire money from my XXXX checking account to a beneficiary at Bank of America. The beneficiary name did not match the account because of a mistake. Bank of America took a {$45.00} fee I never agreed to without any communication to me before sending a reverse wire. So I was returned {$45.00} less than I attempted to send out.
Consumer complaint received 2024-07-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (MO)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Conn's, Inc. (SC)

Someone did fraudulent activity in my name with this loan. I had no knowledge of this account. I reported Identity Theft to all credit bureaus, and I don't know any other actions to take with this situation since I did an Identity theft report. I ask for this to be removed from my credit report because I have no knowledge of this account.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (FL)

Beginning XXXX 2024 I contacted company after payments fell behind due to XXXX illness. I called them to begin payment the account. They added fees and late charges of {$5300.00} and the agreement was for {$87.00} autopay out of my checking account. About XXXX  months ago my credit score dropped. 
I tried pulling a free report to find out what caused the drop and was not able to tell. Then my credit card company sent me an update regarding a change in my score and the company reporting it. It was company I signed documents and made autopay arrangements with. I has a XXXX and XXXX transplant due to bills falling behind. I have been working on my credit for a year to get it back up to XXXX 's and now without any disregard for laws. The company ruined my credit score. When I called they gave no reason but yes we reported it late. I told them that is against the FCRA of fair reporting practices. They didn't seem to care. I want my credit restored!!! I an livid ....
Consumer complaint received 2019-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MIDCOUNTRY FINANCIAL CORP (MO)

I dont fully have access to my credit report so no dates are available for me to give Ive been declined to access my accounts. I cant proof my identity to get a job I am a United States born citizen an I am asked for proof of my citizenship for everything. I cant establish credit with anyone nor can I open any bank account or rent an apartment or house under my name. I got creditors lying on my report The last and only time I was able to access my report reopening accounts I try to dispute things and nothing gets done I receive voicemail daily from companies claiming I have a severe issue with my supposedly financial aid loans I never had. I am wrongly been fired with no explanation from every job I previously had. My tax information supposedly was burned in a fire at the XXXX of the XXXX in XXXX Missouri so when I received my end of the year tax report it was missing information or it was made up information that wasnt accurate because I was highly charged for it. I never received all of my tax return for XX/XX/2018. I have cell phone companies such as XXXX XXXX XXXX and XXXX I had business accounts open with them and I didnt. XXXX XXXX XXXX authorizes equipments and services on my account without my consent and billed me for it and when I asked to have it removed or exclamation they cut my services off but continued to bill me for services for months so now I owe them XXXX dollars. XXXX changed my personal wireless account into a business account without consent and when I sent my phone back to them that I was making payments on they still claim I owe them for it plus months of services I didnt have. XXXX also invades my privacy on a daily basis they tagged my IP address an follows me. Ive seen illegal immigrants receiving loans getting credit cards getting bank accounts receiving high tax returns getting into rental properties getting high paying jobs with little or no schooling an Im as a citizen of this country is restricted to do anything.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (LA)

On XX/XX/2024, I sent a letter to XXXX XXXX XXXX XXXX regarding a significant error on my credit report. Upon reviewing my credit report, I discovered an account erroneously linked to my credit profile. This error likely occurred because my parent and I share the same name, leading to a mix-up in your records. This inaccurate account reporting has caused me undue stress and could potentially impact my financial future. 

I requested XXXX - XXXXXXXX XXXX to : Review the information reported under my name carefully. 
Remove or correct any inaccuracies discovered, especially those resulting from the name similarity with my parent. 
Provide written confirmation of the investigation results and notify me once the inaccurate information has been removed from my credit files. 
Despite my request, I have not received a resolution or confirmation of the necessary corrections from XXXXXXXX XXXX XXXX XXXX.
Consumer complaint received 2024-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX I wrote a check ( # XXXX ) for {$11000.00} to a company I did business with. This company was XXXX of my regular vendors that Ive done business with for many years. On XX/XX/XXXX Wells Fargo bank paid the check. XXXX  years later, XX/XX/XXXX ..I open my Wells Fargo app and find the exact same check ( # XXXX ) from XX/XX/XXXX has been paid AGAIN. I immediately called the bank to have them put stop payment and return this check, since it appears to be an obvious either mistake or fraud on the part of the bank. In return I was told that the check was already paid and they can no longer return it. It didnt sound convincing especially because they give you a different story when you make a deposit and they put a hold on it. Also, he said since this was a Saturday all the other departments were closed and there wasnt anything that he was able to do for me. He asked me to call back on Monday and they would take care of reversing it the check since it was obvious it was some sort of mistake on their end. He told me to give them the reference number of our conversation and theyll be able to help me resolve this issue. Since then, I have called atleast XXXX times and spent an hour and a half each time, getting bumped around from XXXX department to the next and no-one can give me an answer to why a check that was written XXXX  years ago and processed was once again processed even though it was only valid for 90 days from the original date it was written. They declined my claim XXXX  claiming that I authorized this check. Which obviously I did not authorize it XXXX years after it had been paid on XX/XX/XXXX. My check clearly states that its not valid after 90 days and the federal law states it is 180 days and its been almost XXXX  years. ( The date on the check was the same as on the first as it was exactly the same check. There was nothing nothing altered or changed since the check was written almost XXXX  years ago. It was the exact same check that was redeposited and paid again from XXXX years ago. The bank wont tell me where the money went from my account. That account ( recipient ) to whom the original check was written XXXX  years ago has since closed his account and his company in XXXX. I have been to my local branch XXXX times to address the situation with the manager of the branch. She has spent an hours at a time trying to get answers, and she got nowhere with the representatives. Today she spent another hour with them again and they said they reached their final decision and are denying the claim. She is just as confused and shocked as I am. I decided to file a police report. I am going to include the front and the back of the check that was processed twice times XXXX years apart. Also, the correspondence I have with the bank and a copy of the police report.
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.