davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PINNACLE RECOVERY, INC. (DE)

Good morning, My account was placed into collections by XXXX XXXX and submitted to XXXX XXXX XXXX in XXXX. 

On XX/XX/year> I spoke with a XXXX  XXXX, disputed the delinquency amount of {$380.00}, and requested a history of my statements from XXXX. XXXX agent advised me they were submitting the request. 

On XX/XX/year> I contacted XXXX a XXXX time to follow-up, I spoke with a supervisor and was informed that XXXX had not received the account statements and would need to submit an expedited request for the information. In addition to this, I discovered that XXXX had deactivated my auto debits and refuse to continue receiving monthly payments until the account is satisfied. I was advised that since I started a dispute process, XXXX would not be able to accept my XXXX payment due to the account being in collection. 

On XXXX XXXX I contacted XXXX and was informed that it would take XXXX business days for the company to receive my statement history from XXXX. 

On XX/XX/year>, I submitted a XXXX request via email to XXXX requesting someone to reach out to me. 

As of today XX/XX/XXXX, I contacted XXXX because I have not received a reply in response to my email. 

Per my conversation today with the representative assigned to my account, I was informed that they expect to receive the statements by XXXX XXXX from XXXX XXXX XXXX 

I can attach my XXXX payment confirmation letters, and a screen shot of my bank statement reflecting my XXXX XXXX payments and the corresponding letters I received via email for this account. I have highlighted XXXX bank statement that reflects a rejected payment for XX/XX/year>. I can attach XXXX corresponding notices I received from XXXX for XXXX 's transaction and the returned payment. 

I have not disputed owing for XXXX however I am disputing the collection notice provided to XXXX since the debt is much higher than what I believe I owe. This is because I have not received any other notifications from XXXX regarding any other outstanding payments prior to receiving the collection notice. 

My bank statements reflect the payments that were paid and the XXXX return. Since XXXX agents are not able to speak with me about my account I have been requesting an account history statement since XX/XX/year>. 

I have called several times and sent emails all in good faith trying to resolve this issue. Added to this, XXXX and XXXX XXXX to accept my XXXX payment while I am continuously told that you are awaiting statements to be shared between their companies. We are now at the end of XXXX and XXXX is near. I have been informed that my current bill that will not be accepted until the account is resolved will be added to the collection account. they are creating a debt hardship by not accepting my current month 's payment while waiting on internal processes. I am asking that you review the information I can provide and let me know how we can resolve this asap.
Consumer complaint received 2024-11-01
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. (SC)

I am writing to request the immediate blocking and deletion of an unauthorized inquiry listed on my credit report. I am a victim of a recent data breach, and this inquiry was made without my consent. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that this inquiry be permanently removed. 
The inquiry in question is as follows : XXXX XX/XX/scrub>XXXX XXXX XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2017-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: DISCOVER BANK (FL)

When trying to access an y credit score infor mation regarding my credit account with  XXXX  I get an error message after answering the verification questions repeatedly I even tried to access my annual credit report online and on   XXXX   website to no avail however when uploading proof of my identity in the dispute section they verified me and mailed me a report however I still can not access my score I see  two accounts  are positively reporting with them so I know I have a file but every time I try to access my   XXXX   score on   XXXX   or on  XXXX  or discovers scorecard I get locked out I need to be able to access my free   XXXX    fico score  I have similar problems with  XXXX  however  XXXX  has no problem identifying me I was able to access my report online they all have my updated mailing addresses to my  XXXX   XXXX   since w e have reported that with the credit companies and an official change of address so I do n't understand what is locking me out
Consumer complaint received 2024-10-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I saw a charge on my account statement that I did not authorize, which cause my, checking account to go into arrears. 

I contacted the 5th/3rd Fraud Department as soon as I realized the error. 

The debit in my account does not contain any identifying information that I recognize, which is why I did not contact the company. 

The bank denied my claim and charged my account and is now charging me overdraft fees,
Consumer complaint received 2024-10-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NC)

I went in to get oil change on previous car and was approached by sales person while waiting for car to be completed. As he began talking I told him I wasnt interested in a new car. Im almost through paying off car I have. He was very persistent and finally brought over his boss. He began to tell me that my warranty had ended and how much trouble it would be to keep up maintenance. That they would pay for my visit there, I wouldnt have to make a payment for 6 months and how I was over charged for previous car. They showed me cars and as I continued to listen I trusted them. They asked to run my credit which I let them. They asked me if I got another car now I would like it to be. Lower payments and less years. They only told me price range but never told me about the loan or the price of car. When it was time to close I still wasnt given price of either. I received letters from companies that decline offers sent and thats how I found out price. I went back to dealership and told him that He didnt tell me price of car or loan amount, had I known I would not have signed paper and I trusted him. The only thing he said was he was sorry. I told him that I believe they took advantage of me and I trusted him. I have my grandchildren to take care of now stress about this payment.
Consumer complaint received 2024-10-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CO)

Dear Consumer Financial Protection Bureau, I am submitting a formal complaint against Wells Fargo regarding the imposition of XXXX {$35.00} overdraft fees, totaling {$70.00}, on my account, despite my adherence to the banks communicated grace period. I believe these fees are unfair and were applied due to inconsistent and misleading policies involving time zones and transaction posting practices. 

Details of the Incident : On XX/XX/year>, I received a notification from Wells Fargo at XXXX XXXX  XXXX, informing me of a XXXX grace period to bring my account to a positive balance. The notification stated that the deadline for this grace period was XXXX XXXX  XXXX  on XX/XX/XXXX, differing from the banks general policy that aligns deposit cutoffs with my local time ( MST ). 

To meet the deadline, I deposited funds at XXXXXXXX XXXX XXXX  on XX/XX/XXXX, which is equivalent to XXXXXXXX XXXX XXXX successfully bringing my account to a positive balance. However, despite this, XXXX overdraft fees were charged at XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX. 

Key Points of the Complaint : XXXX. Inconsistent Time Zone Usage : Wells Fargos standard policXXXX aligns deposit cutoffs with my local time ( XXXX ), yet the grace period deadline was communicated in XXXX. This discrepancy led to confusion, as I reasonably assumed the grace period would follow the same XXXX cutoff typically applied to deposits. 


XXXX. Acknowledgment of Positive Balance : During a conversation with a second-level supervisor, they confirmed, Your transaction was posted at XXXXXXXX XXXX  XXXX, verifying that my account was in positive standing before the overdraft fees were applied. 


XXXX. Contradictory Posting Policy : The same supervisor also stated that Wells Fargo posts overdrafts at XXXXXXXX XXXX indicating that even if I had met the grace period deadline, the policys application would have resulted in an overdraft fee, creating an unfair system where meeting the deadline still incurs penalties. 

Also XXXX things should be noted : XXXX ) At the time of deposit the deposit was fully posted and AFTER the overdrafts were added to the account the deposit shifted statuses and became " XXXX '' thus showing Wells Fargo munuplated the order of charges to benefit them and not the consumer. XXXX ) XXXX or XXXX, the second-level supervisor was rude and sarcastic and needs immediate customer service training.
Consumer complaint received 2024-11-01
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. (NY)

I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every XXXX of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX XXXX XXXX Balanced {$5500.00} XXXX XXXX XXXX XXXX Balanced {$32000.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2023-08-10
Product: Credit reporting, credit repair services, 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. (FL)

I sent a letter to XXXX, Transunion, and XXXX on XX/XX/2023. Its been well over 30 days, I still havent received anything back. 
According to 15 USC 1681i ( a ) ( 1 ) A ) XXXX, Transunion, and XXXX have 30 days to respond to my dispute. 
This a violation of my rights.
Consumer complaint received 2017-05-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of Fort Walton Beach, Inc (MS)

I requested to validate the alleged debt on  XX/XX/2017    via registered mail. The letter requested a breakdown of fees including collection costs and medical charges, a copy of my signature with the provider of the service to release my medical information, a copy of my signature with the provider of the service accepting the responsibility of the costs associated with the services provided, and to cease any credit reporting until the debt has been validated by me.  Collection Bureau of Ft. Walton Beach received the registered letter o n  XX/XX/2017   . I received the attached documentation on   XXXX   XXXX   XXXX     as verification of debt, however, the documentation does not include a copy of my signature with the provider of the service to release my medical information nor a copy of my signature with the provider of the service accepting the responsibility of the costs associated with the services provided. Therefore,  Collection Bureau of Ft. Walton Beach ha s not verified the alleged debt and is illegally reporting an invalid debt.     I previously filed a complaint on  X/X/2017    that closed on  X/XX/2017    with the explanation from the company as follows : " I am unable to access any accounts under the name and address I have been provided. If you can provide me with an account number. If you have had any other addresses I can try that also. If you received a response from my office to your original validation request i would have the account # on it. '' " I can not locate with the name and address given. If we have already validated the debt then an account # would have been included on that validation. '' In the attached documentation my maiden name,  XXXX   XXXX , and current address clearly appears on the documentation that was sent to me as verification. Please refer to the attached documentation, it is clear that the response from your office to validate the debt does not have an account number on it. Luckily, I have my credit report on hand. The account details and numbers are as follows : Acct # :  XXXX  in the amount of {$510.00} Acct # :  XXXX  in the amount of {$350.00} Acct # :  XXXX  in the amount of {$25.00} Acct # :  XXXX  in the amount of {$180.00} *Please Note : Acct # :  XXXX  in the amount of {$180.00} has been deleted, however, I would like to verify that the account does not return and report illegally.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XXXX XXXX I sent a {$18000.00} bank wire transfer from my account at Wells Fargo to XXXXXXXX XXXX XXXX XXXXXXXX. I was informed after I sent the wire that the funds were not received by the person I sent it to and that there was the possibility of fraud. 
Shortly after learning about the above, I disputed the wire transfer with Wells Fargo Bank. They created a claim # XXXX. After investigating, they denied my claim and said I had to file a police report in XXXX and have a complete investigation in order for my funds to be returned. 
I did as they asked, and a complete and thorough investigation was completed on XX/XX/year> which confirmed the person I sent the funds to never received them as a result of fraud committed by XXXXXXXX XXXX. 
I contacted Wells Fargo upon learning the results of the investigation and demanded the return of my funds, yet they have denied it once again.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX Balance : {$1600.00} XXXX  XXXX Balance : {$750.00} XXXX XXXXXXXX XXXX Balance : {$1200.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$400.00} XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXXXXXX Balance : {$400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$440.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX OF XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXXXXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXXXXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : XXXX 
XXXX XXXX Balance : {$1100.00} -Charge off XXXX XXXX Balance : {$10000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-22
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX XXXX XXXX Balanced {$5500.00} XXXX XXXX XXXX XXXX Balanced {$32000.00} 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 XXXXXX/XX/XXXX