davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-06-13
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Wolf River Development Company (AZ)

Crane Finance stated I took out a loan XX/XX/year>, XX/XX/year> was past due and they were taking me to collections. All via emails, would not provide a debt verification letter, email threads, signed contract/documents, or recorded phone conversations. They requested a police report for identity theft, so the could suspend the account. I never even created an account wit Crane Finance and two weeks after they state, " I am past due '' they want to take me to collections? I never received they finances or deposit electronically or via mail.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the FCRA XXXX XXXX has violated my rights. 

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.
Consumer complaint received 2024-06-13
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: WELLS FARGO & COMPANY (IL)

XXXX credit cards were attempted to open. XXXX was XXXX XXXX and other one was Wells Fargo. I called XXXX  and the credit card companies. The inquires were removed from my credit report and I locked my credit with XXXX  for now
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (NY)

Name : XXXX XXXX XXXX Consumer ID : XXXX Date of XXXX XXXX ID Type : Driver 's License ID Number : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Waning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX  XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX  XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : TXXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my XXXX XXXX XXXX report immediately! I've attached a copy of the report to this request. 
Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc. (GA)

I dispute any debt your company claimed to have on me you must stop all collection activities do not call my telephone number ( XXXX ) if you were ever given permission to call this number ( XXXX ) I am revoking that now my demands are : for you to provide a XXXX XXXX. ( This is what I need included in that audit trail. ) Original signed Contract Account File Ledger All account Documents Transactional History please be sure to provide everything the mentioned in this letter. According to fair credit reporting act section 609 ( a ) ( 1 ) ( A ). you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that you post on a credit report otherwise anyone paying for your reporting services could fax, mail, or email, in fraudulent accounts If you are unable to provide the demanded information you must immediately delete this account. If you fail to communicate to the consumer report and agencies that this debt is in disputed that would be a violation pursuant 15USC 1692E8 - false or misleading representation. The law is very clear as to the civil lability and the remedy available to me according to 15 USC 1692K. Furthermore failure to honor this request will lead me to fully intend on pursuing litigation in this matter is suing your company for actual damage sustained. Please be aware that freezing this account is not an update to my credit report. Under federal law you have 30 days to complete your re-investigation please be advised that the description of the procedure used to determine the accuracy of completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation I also attched a copy of my identytheft report Thanks for giving this letter your prompt attention.
Consumer complaint received 2024-06-13
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

Summary : We have paid our mortgage on time every single month since we purchased the house in XXXX. The mortgage was set on auto-payment from the bank. Starting in XXXX Wells Fargo had issues processing the payment on their end. The money was successfully taken from our account and the transfer showed as success from our bank, however, Wells Fargo wasn't showing the money as paid. Each month we had to call to resolve it and they assured it was taken care of. In XXXX, they incorrectly opened a foreclosure on our house. The house was sent to public auction. Wells Fargo rescinded the foreclosure and sales notice because they admitted the error was 100 % on their end and our mortgage was and has always been in good standing. Now, in XX/XX/XXXX, they incorrectly opened another foreclosure and they have assured us it is rescinded, but we have yet to receive any documentation confirming the rescission. See timeline of this year below. 

XXXX XXXX : XXXX - We received a letter from Wells Fargo stating we had been removed from the mortgage assistance review program. The mortgage was paid on time as it has been every month so we were confused. 

XX/XX/XXXX - Called Wells Fargo to ask about the letter. They said it was sent it error due to the incorrect foreclosure that occurred in XXXX and that we should disregard. Verified recent payment was processed correctly and online account in good standing. 

XX/XX/XXXX - Received a letter attached to our door from a lawyer who offered to help us on the recent foreclosure opened. No contact yet from Wells Fargo Called Wells Fargo and they said a foreclosure was incorrectly opened on our house and they were going to rescind it immediately. They were also going to send certified letters to all three credit bureaus and to us stating the foreclosure and late payments were in error. 

XX/XX/XXXX - Called Wells Fargo to ask about the foreclosure retraction and the certified letters. They said to expect it early the next week. 

We have continued to call Wells Fargo and they keep saying the letters are " on their way '' or " processing '' Harm Done : -Having XXXX incorrect foreclosures has had a severe negative impact. Currently we each saw a drop of more than XXXX points on our credit scores. In addition, we have people coming to our house looking to buy it at action or assist us with our mortgage. We receive about XXXX calls per day from load officers and lawyers offering assistance.
Consumer complaint received 2024-06-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC (AZ)

XX/XX/XXXX I was sent a letter to pay XXXX from the remaining balance of XXXX. I have an agreement with waypoint from XX/XX/XXXX that the amount of XXXX would be considered pay in full. Now XXXX XXXX XXXX is looking for {$280.00}.
Consumer complaint received 2024-06-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (OH)

XX/XX/year> there were XXXX " reversals '' for {$480.00} that cleared my bank account that showed as a XXXX transaction. XXXX declined and /or declined all of these transactions. Actually there were 9 total transactions. Four were totally declined and looked at as fraud by XXXX, XXXX went through and then returned. I placed 3 or 4 called to Huntington as I saw these charges going through and then reversing. I was assured by 3 Huntington employees that these charges would not go through. I have been given provisional credit for XXXX of these transactions, however I am being told that I must provide documentation that I never received these insurance policies that were refused.

I am more upset by the fact that there is a lack of training and accountability by Huntington. They allowed {$620.00} in payments to return to the vendors that I transferred money to cover. However they made the decision to pay the {$480.00} payments instead and did not give me second notification that these were even going to pay out. 

I was not charged Overdraft Fees, however the handling of these transactions and that lack of training is totally unacceptable. And I am being asked to prove what they have already documented by phone recordings and reversals.
Consumer complaint received 2024-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank has a history of placing burdensome deposit holds on my account every time I deposit a check and they never give me an explanation. I have been using the same account with them for over 10 years. Every time I deposit a paycheck to my Chase Bank account, they place a hold on it sometimes for as long as 12 days or more. Even when its a check written from a major bank that operates locally from a remitter who has paid me many times before, they place a hold on it without giving me an explanation or making any part of the funds available. 

Most recently I deposited a check for {$8100.00} written from a Chase Bank account and they still placed a hold on it even though I deposited it in person at a Chase Bank. Even after verifying the funds and calling the remitter to have him verify that the check was valid, Chase Bank still refuses to release any of the funds and when I ask why they tell me that information is confidential.
Consumer complaint received 2024-06-13
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Velocity Portfolio Group (CA)

I called to have all the old accounts removed and they wouldn't do it plus, they wanted me to pay for all of them again I want all of them off my credit report now I want all the old accounts off my XXXX credit report now!!!! 
This is XXXX XXXXXXXXXXXX XXXX my credit scores!!! 
XXXX XXXX XXXX XXXXXXXX XXXX, this is XXXX XXXX what you people let the credit card companies get away with!!! 
Thanks Take care
Consumer complaint received 2024-06-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Consumer Financial Protection Bureau, I am writing to report a disturbing experience I had with a Capital One ATM located inside a Capital One branch. I attempted to deposit {$500.00} into my account at the ATM. Unfortunately, the machine malfunctioned and ate my money, leaving me with no record of the deposit or any refund. 
Here is what happened : I inserted my debit card into the ATM and selected the deposit option. I then entered the amount I wanted to deposit, which was {$500.00}, and confirmed the transaction. The machine appeared to complete the transaction normally, but instead of dispensing the cash, it simply displayed an error message and returned my debit card. 
When I checked my account balance online later that day, I discovered that the deposit had not been processed. I immediately contacted Capital One customer service and reported the issue. After speaking with multiple representatives, they were unable to locate the deposit or refund my money. 
I was shocked and frustrated by this experience. As a consumer, I expect that financial institutions will take reasonable measures to protect my funds and prevent losses due to technical errors. In this case, it appears that the ATM malfunctioned and swallowed my money without any warning or recourse. 
I am requesting that you investigate this incident and take appropriate action to ensure that Capital One takes steps to prevent similar incidents in the future. I would also appreciate any guidance or assistance you can provide in resolving this issue. 
Please let me know if you require any additional information or documentation from me. I have attached a copy of my receipt and a summary of my interactions with Capital One customer service. 
Thank you for your time and attention to this matter.
Consumer complaint received 2024-01-13
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: EQUIFAX, INC. (IL)

unauthorized inquiries on my credit report XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX
Consumer complaint received 2024-06-13
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation (TN)

I paid the payment of {$60.00} in XXXX and attempted to make XXXX other payments in XXXX, the bank rejected it and I made another payment in XXXX. They closed my account for " not making the extra {$6.00} payment '' and instead of contacting me about the XXXX payment issue they closed the account. I have attempted to reach out to them for help. I only had the card from XXXX. I believe they offered me the credit card just to receive a monthly payment of {$130.00} Minimum Payment. I exhausted all of my options to communicate the issue and they are unprofessional. 

DEBIT CARD PAYMENT XX/XX/year> - {$30.00} WEB PAYMENT RECEIVED XX/XX/year> - {$100.00} WEB PYMT - REVERSAL XX/XX/year> {$100.00} WEB PAYMENT RECEIVED XX/XX/year> - {$60.00} WEB PYMT - REVERSAL XX/XX/year> {$60.00} AUTO PAYMENT DEDUCTION XX/XX/year> - {$39.00} AUTO DEBIT INCENTIVE PAYM XXXX XXXX, 2024 - {$5.00} AUTO PAYMENT DEDUCTION XXXX XXXX, 2024 - {$46.00} WEB PAYMENT RECEIVED XX/XX/year> -
Consumer complaint received 2024-06-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P. (MD)

I receive calls from this company while I am at work. It started as just calls to my personal phone number, however now they are calling my work phone number. I told them to call me after XXXX in order to speak with me, however they continue to call during the business day.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AL)

Inaccuracies, inaccurate reporting by the company XXXX. This is fraudulent doing on behalf of these two companies. 

XX/XX/year> Reference number : XXXX - XXXX - XXXX Source - XXXX Company XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, SC XXXX
Consumer complaint received 2024-06-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Tesla, Inc. (OH)

I used my credit card to place a XXXX deposit for a cybertruck. I no longer want and trying to get a refund. I requested a refund on their website and it states error. From what I can tell this is a problem many are facing. Called XXXX and they transferred me to sales and they have no people to answer the calls or to leave voicemail.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to formally register a complaint regarding the fraudulent items on my account. I have made several attempts to resolve this matter through your customer service department without success. 

Since then, I have contacted your customer service department and have spoken with various representatives. However, despite my efforts, the fraudulent charges have not been removed from my account. 

I have attached copies of the following documents to support my complaint : Copies of my statements highlighting the fraudulent charges. 
Any correspondence I had with your customer service department, including reference numbers. 
Any other relevant documentation, such as police reports or dispute forms, if applicable. 
I understand that resolving cases of fraud can be a complex process, but I request that you take immediate action to investigate and rectify these unauthorized charges. I insist on a prompt and thorough investigation into this matter, and I expect the fraudulent items to be removed from my account as soon as possible. 

Additionally, I kindly request that you provide me with a written confirmation of the resolution and the actions taken to address this issue. 

I trust that you will treat this matter with the urgency and seriousness it deserves and take immediate steps to rectify this situation. I am asking for your assistance to remove these fraud items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-17
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. (NJ)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (OH)

Back on XX/XX/XXXX, there was fraudulent activity occurring with my checking account. I had to get a new checking account and new debit card. When my bank account and card changes were complete, I immediately updated all sites where my information was maintained, including Discover. 

I made the changes to my account with my financial institution on XX/XX/XXXX ( checking account + new debit card ) and my old account closed on XX/XX/XXXX. 

I made a payment to Discover for {$470.00} on XX/XX/XXXX. Keep in mind, my new account number was already updated. 

On XX/XX/XXXX Discover 's site says " RETURNED XXXX XXXX  '' along with " RETURNED XXXX XXXX '' for {$30.00}. 

Once I noticed that the returned payment and fee was applied to my Discover account, I contacted them immediately. I had PLENTY of funds in the bank to pay. They told me that the reason it rejected was because the system application they use takes XXXX billing cycle to acknowledge new payment updates. 

Discover refunded me the {$30.00} " return '' fee, however, the charges on my Discover account that I initially paid ( for the {$470.00} ) hit past due TWICE in the months of XXXX and XXXX according to XXXX! My XXXX XXXX dropped XXXX points in XXXX month alone. Now, I don't know how many of those points actually pertain to this matter but I am certain they make up for more than half of the XXXX. I just spoke with a credit bureau and they said they can not determine individual points on a more granular level. 

Regardless, I have attempted to have this resolved MULTIPLE times over the phone with Discover and everyone refuses. I am not sure why. I called them yesterday on XX/XX/XXXX and told them that if they didn't validate for me this last time that I was going to report them. Again, to no avail, we got to a point where they were unwilling to share information ... MY INFORMATION, WITH ME! 

For purposes of this matter, I am disputing the credit reporting from Discover and request that they validate the derogatory information that was sent to the credit bureaus and have it reversed.
Consumer complaint received 2024-06-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (NC)

Comenity CapitaXXXX XXXX Dispute entered via 3 credit bureaus-XXXX. FTC report filed. 

Comenity CB/ UltaXXXX Dispute entered via 3 credit bureausXXXX. FTC report filed. 

XXXX XXXXDispute entered via 3 credit bureausXXXX. FTC report filed. 
. 
XXXX XXXX XXXX- XXXXAccout delete for inaccurate reporting. Then placed back on credit report twice with different dates and amounts. Dispute entered via 3 credit bureaus-04/2022.FTC report filed. 

XXXXDispute entered via 3 credit bureausXXXXFTC report filed. 

XXXXDispute entered via 3 credit bureaus-XXXX report filed. 

XXXX XXXX XXXXXXXXDispute entered via 3 credit bureausXXXXFTC report filed. 

XXXX XXXX XXXXDispute entered via 3 credit bureausXXXX. FTC report filed. 
XXXX XXXX XXXX -- Dispute entered via 3 credit bureaus-XXXX. FTC report filed. 
XXXX XXXX XXXX -- Dispute entered via 3 credit bureaus-XXXX. FTC report filed.