davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (FL)

I cant get into my account due to issues with Ally 's accounts and servers. Apparently they have been merging systems for several months. I will provide documentation once the system grants me access. In XXXX there was an issue with a valid transaction were they cancelled the payment. I paid the vendor with a second separate transaction to insure they were compensated for work completed. The amount was refunded to my checking and I was under the impression the issue was resolved. In XXXX they took the amount out of my account without correspondence or communication. When I tried to call and resolve the issue I was given the runaround. During this experience I endured several calls and transfers to different departments and found out that the bank was attempting to merge several systems and was having problems. When I asked to speak to a member of management I was deflected and told that they would put in the request but that notes were on the account. Fast forward to today, they representatives on the call said that I had to be referred to the fraud department even though there wasnt a disputed charge on my account or incidents of fraud. When on the phone I answered several questions and then the system hung up on me three times. When I informed the representative they couldnt do anything about it but would note the account. I also requested a member of management call me back about this ASAP. As a XXXX XXXX  veteran I dont have an excess of funds for the bank to arbitrarily take from my account. I know in the state of Florida there are statues and laws on the books that make this action illegal and criminal. What can you do to help me with this organization? 

The initial transaction occured on XX/XX/year> IN XXXX XXXX XXXX , NV , USA XX/XX/year> Prov Credit for Dispute XXXX - XXXX Second payment XX/XX/year> IN XXXX XXXX XXXX XXXX XXXX , NV, US {$650.00} The bank transaction occured XX/XX/year> Withdrawal for {$650.00} Last return of the funds on XX/XX/year> My card was frozen on XX/XX/year> I am being harrassed by my financial insititution and prevented from accessing my funds. No amount of communication or calls have resolved this issue. Please help
Consumer complaint received 2024-08-15
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: WELLS FARGO & COMPANY (MI)

Between the dates of XXXX XXXX XXXX I do believe the company Wells Fargo banking institution , has without my consent, incorrectly charged an surprised amount of overdraft fees, along with other illegal activities.
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (SC)

This debt collector has done inexcusable practices of the FDCPA which it prohibits. They have furnished this account that we did not agree on and didn't sign a agreement on. A legal contract is a contract signed by two parties and I did not participate in any of it. They did not follow the proper 5 step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations, and they have violated my rights and abused my privileges. Please remove this account from my credit report.
Consumer complaint received 2024-08-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO. (TX)

JPMorgan Chase & Co.has been reporting my personal and private transactional information to third party credit reporting companies without my express written consent, in violation of the FCRA, FDCPA, GLBA and my right to privacy.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

I checked my credit on XXXX XXXX and found an opened line of credit that was not one that I applied for or received monies from the LOC. The report showed that Citizens Pay Line of credit opened a line of credit on XX/XX/year> for {$4300.00} ( highest balance ). Two payments were made for {$72.00} each in XXXX and XXXX. The account was closed on XX/XX/year>. I filed a dispute with the XXXX credit agency and they responded that the information was deemed correct. I know it is not correct because I never opened that line of credit nor did I receive any monies from this transaction. I am now concerned that my house may be in jeopardy. 
I have also had recent issues with one of my XXXX XXXX accounts where charges were found that I did not make. XXXX XXXX closed the card and reissued me another card. I also found issues today with my XXXX XXXX account where charges were made that I did not make. I am starting to have real concerns about identity theft.
Consumer complaint received 2024-08-16
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (AL)

Company sent a letter with no other information to verify. The information contained in the letter was inaccurate. Previous dispute removed item and it kept reappearing. Rental claims should have court order. Then Hunter company kept changing the dates on the original account extending the time to be on credit report.
Consumer complaint received 2024-08-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (DE)

Im being billed for an XXXX XXXX XXXX at XXXX XXXX  in Delaware. There was no good faith estimate given at the time of visit. Based off the visit XXXX XXXX XXXX should be billed. No XXXX  was given. If they want me to pay the bill I need an itemized list of the care that was given. XXXX get an attorney if necessary. 

Being that I was XXXX XXXX  patient I should of received a good faith estimate of what the cost would be. The price of the bill is over {$400.00} more than what is listed on their website for XXXX XXXX XXXX This should fall under the No Suprise act. This also caused my credit score to decrease over XXXX points. This should be removed from all XXXX major credit bureaus.
Consumer complaint received 2024-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (NC)

I had utility accounts fraudulently opened in my name. 

I took the appropriate actions to prove fraud : Police and FTC reports. 

Sent them to all utility companies involved and all collections agencies involved on XXXX XXXX. 

Of the 5 fraudulent accounts all of them have been totally resolved with the utility companies.

One collection agency Transworld AKA TSI is refusing to delete the action against me on one account. This debt collector has hung up on my multiple times since I have received physical mail from XXXX XXXX notifying them to cease all collections actions against me.
Consumer complaint received 2024-10-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (IL)

XXXX  They say i owe them electricity bill I do not owe anything and never used them My ex husband used them and not me I was in school in XXXX and i have a lease and license to prove it i never subscribed for any electric bill in Connecticut while in school I have no idea about the bill and i was charged incorrectly.
Consumer complaint received 2024-08-16
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: AMERICAN EXPRESS COMPANY (NC)

I received a letter ( attached ) from AMEX verifying that my account ending in XXXX which corresponds to credit reporting AMEX account ID number XXXX was closed by me in XX/XX/XXXX. I had an ongoing internal dispute with AMEX about this account because when I closed the account I also paid the balance in full and asked the agent at the time to include the delay with processing so there would be no lingering balance. Well a lingering balance of about XXXX cents remained on the account so I then paid that too in XXXX. Then you kept applying inaccurate late payments and fees starting in XX/XX/XXXX which actually makes no sense. I closed the account in XX/XX/XXXX paid balance in full. For the next two months you report paid as agreed in XX/XX/XXXX and XX/XX/XXXX and then all of the sudden in XX/XX/XXXX you started reporting my account again as late even though account was closed and there was no activity on the account and showed paid in full for XX/XX/XXXX and XX/XX/XXXX. So, I opened yet another internal dispute saying this was wrong and to please XXXX  the balance of the late payments and fees starting in XX/XX/XXXX based on the above information. My internal disputes got no where. So, finally I filed a CFPB dispute in XX/XX/XXXX and my account balance was XXXX  but you keep reporting late payments and fees erroneously starting in XX/XX/XXXX. I mean if one simply looks at it logically it makes no sense. The account was closed in XX/XX/XXXX and paid in full. I even attempted to pay a lingering XXXX cents of interest in XX/XX/XXXX. The account was reported as paid as agreed in XX/XX/XXXX and XX/XX/XXXX and then all of the sudden you start reporting late payments and fees although there was no new activity on the account. Please fix this!
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc. (AL)

After careful review inaccurate reporting accounts address is incorrect I have my identification included information not matching across all three bureaus XXXX XXXX reporting bankruptcy dept of aide duplicated accounts and amounts incorrect status invalid records not authorized by me loans opened without consent Furthermore, the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 ( BAPCPA ) requires that creditors provide a debtor with a notice of their right to dispute the debt within 30 days of receiving the notice of the bankruptcy filing. I never received such a notice from your company, which is a clear violation of the BAPCPA and USC code 11 U.S.C. 342.

As per the Fair Debt Collection Practices Act ( FDCPA ), a creditor is prohibited from making false or misleading representations to a consumer. In my case, your company has misrepresented the amount of debt owed and has initiated bankruptcy proceedings without providing proper documentation to support your claim. This violates the FDCPA and USC codes 15 U.S.C. 1692 et seq. and 11 U.S.C. 101 et seq.
Consumer complaint received 2024-08-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: WELLS FARGO & COMPANY (AZ)

My mortgage was held by wells Fargo during XXXX. I was apart of the shady practices, red lining, interest rate tricksetc. I never received any information about being included in the recent class action lawsuits with over XXXX XXXX XXXX settlements for the more than XXXX XXXX customers. Now supposedly theyve purged my file.
Consumer complaint received 2024-08-14
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: SANTANDER HOLDINGS USA, INC. (GA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (TX)

Hunter warfield has added a debt collection debt in my credit report when that information does not match my social security number this is probably due to mismatch name or DOB, But I have never sign a lease contract with hunter or XXXX XXXX
Consumer complaint received 2021-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2021, I attempted to make a ATM cash deposit at the branch located at XXXX XXXX XXXX, XXXX XXXX NY in the total amount of {$900.00}. I inserted XXXX ( {$20.00} ) bills, the ATM machine rejected the deposit and only return XXXX bills ( {$580.00} ). I am missing XXXX ( {$20.00} ) bills which equates to {$320.00}. I called customer service while still in the branch and provided all the pertinent info ( ATM ID # and location ). The customer representative XXXX created a claim ( ID # XXXX ). I was informed that a technician will be onsite by XXXX to open up the machine and perform an investigation by counting all the funds to determine the discrepancy. I called the following day on XX/XX/XXXX, and were advised that the claim is still pending and it can take XXXX hours for a conclusion. I called the following day on XX/XX/XXXX and was informed that it can take up to 45 days but would have some information within 10 business days. I express my concern with my financial situation and that the money is needed for food for my children. The representative submitted a hardship request for a credit to be applied until a resolution is officially made. I called again on XX/XX/XXXX, and was informed that the hardship request was only documented on the claim and will be taken into consideration for approval. The hardship approval request takes approximately 10 days. I requested to speak to a manager, no one was available so the representative requested my phone number and advised that I should receive a call by end of business day. Today is XX/XX/2021 and I have not receive a phone call and my claim is still pending. My children are still without the funds needed to put food in the refrigerator. Please help. Thank you
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TD BANK US HOLDING COMPANY (CA)

I contacted XXXX regarding the recent Hard Credit Inquires that were placed on my account from the following Institutions : - XXXX XXXX XXXX XXXXXX/XX/year> - TD AUTO FINANCE / XX/XX/year> - XXXX 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/year> I need this inquires removed from my credit report since they are fraudulent and unauthorized.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I submitted a dispute to a credit for XXXX XXXX XXXX XXXX XXXX to update the debt to reflect ZERO balance or paid in full/closed as of XX/XX/XXXX. I submitted documentation to support the update request. I have contacted Experian numerous times, specifically, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After several attempts to get this account updated correctly, my Experian dashboard is updating the account balance as open/never late and displaying a balance of {$9200.00}. Again, the balance should reflect {$0.00} paid/never late. Each time I contacted Experian, I specifically requested for this account to be updated since I provided supporting documentation that the account is paid in full and closed. Again, this is a lack of attention to detail on behalf of Experian. The supporting documentation was submitted at the time the original dispute was filed. Experian should check their files for supporting documents, prior to updating the accounts, which would have played a critical role in a much quicker and accurate update. It Experian contacted the creditor XXXX XXXX XXXX XXXX XXXX, they would have confirmed that the information supporting document is sufficient for accurately updating the account. Each time I request the information to be updated correctly, it requires a new dispute which causes further delay.
Consumer complaint received 2024-08-18
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: OneMain Finance Corporation (VA)

On XX/XX/XXXX, I filed a formal complaint with OneMain Financial Group, LLC regarding XXXX unauthorized credit inquiries that appeared on my credit report. These inquiries, dated XX/XX/XXXX, and XX/XX/XXXX, were made without my knowledge or consent. Concerned about these unexplained entries, I requested proof of authorization and questioned the accuracy of the entity names listed on my report. 
In my complaint, I highlighted the critical importance of safeguarding personal information and ensuring compliance with the Fair Credit Reporting Act ( FCRA ). Given the seriousness of the issue, I escalated my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation. 
By sharing my experience, I hope to raise awareness and assist others who may face similar challenges with unauthorized credit inquiries and issues related to credit reporting agencies. 
It is essential to understand that the name of a company must exactly match the name of the registrant as specified in its legal documents, such as articles of organization, articles of incorporation, certificates of formation, or charters. If the company name on a credit report or legal document does not precisely match the registered name, it may not be legally recognized as the same entity. This distinction is crucial because it can differentiate between a legally recognized organization and a nonexistent one, potentially invalidating contracts, disrupting the enforceability of agreements, and complicating legal proceedings. Ensuring the correct legal name is used, especially on consumer credit reports, is not just a formalityit is a fundamental legal requirement that protects the integrity of financial transactions and upholds consumer rights.
Consumer complaint received 2024-08-17
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (GA)

XX/XX/17 XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX ). XXXX is declined and flagged for fraud. Have to wait 7 days for a mail to verify. 

XXXXXXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX ). XXXX activated via phone with agent. Tried to use the card with apple pay, but it was declined. XXXX is declined and flagged for fraud. Have to wait for a call on a different number to verify. 

Tried to use it again, but it was declined and flagged for fraud. Have to wait for a call on the number in the account to verify. 

Tried to use it again, but it was declined and flagged for fraud. Have to wait 7 days for a mail to verify. 

XXXX Citi made a mistake on my name. The original card was using XXXX XXXX XXXX instead of XXXX XXXX XXXX.
Consumer complaint received 2024-08-15
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I was given a {$400.00} American Express Gift Card.

According to the back of the card it is usable at " U.S. Merchants that accept American Express Gift Cards. '' To date I have tried to use the card and two restaurants that accept American Express and the card didn't work at either. 

I tried also to use the card at XXXX and the card did not work. 

I tried to load the card for use in my XXXX XXXX XXXXXXXX but it did not work there either. 

Merchants stated the card could not be used since it lacks a chip for their chip reader. 

Another merchant told me the card could not be because it lacks a three-digit CVC code XXXX 

American Express has stated ( on the card back and by phone ) that the card can not be redeemed for cash or otherwise refunded. 

So far I have spent a great deal of time trying to use this card and have failed at each attempt. I have validated that there's {$400.00} on the card but have been totally unable to make purchases with the card.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX