davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (OH)

Back in May I filed a claim on 2 charges that were UNAUTHORIZED. The claim number for that was with a rogue vendor called The XXXX ( XXXX XXXX XXXXXXXX ) and the Ref # for that claim is Ref # XXXX. I stated in the claim that I was not able to call the company & could only email them. I contacted the company The Handbook on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX to demand that my account be deleted and canceled and that they issue me a refund for the charges. Emails remained unopened until another charge was made and funds were stolen. I could not get into my account and so was not aware that my trial period had run over. I only used the account to get one or two addresses for my business. XXXX is negligent because in investigating this they only went to the vendor ( The XXXX ) and took their version of the story at face value without asking me for more information or evidence. As of XX/XX/XXXX ( 3 months after the claim ) they decided to reverse my provisional credits ( XXXX credits were reversed of XXXX totalling {$190.00}. I never even had a chance to submit my evidence before they closed it. In an already difficult time financially, they have further crippled me financially and now my account is at XXXX. Most of that is from their excessive overdraft fees ( totalling at least {$210.00} in overdraft fees at the time of this complaint. XXXX has already benefitted off of 6 overdraft fees in the last 30 days of my financial struggle ( {$210.00} ) as a result of their unfair & incomplete investigation. To disincentivize Wells Fargo from treating their customers poorly and abusing their overdraft charges in a time of financial hardship & inflation, I'm asking for a credit of {$1000.00} into my checking account ending in XXXX. This is to cover my two provisional credits, the enormous stress and frustration, inability to pay my phone bill because of these overdraft charges and to prevent further or escalated complaints. Pursuant to XXXX - Overdraft XXXX XXXX of XXXX XXXX XXXX XXXXXXXX Wells Fargo is XXXX XXXX the worst offenders of overdraft fees, and bears no loyalty to their consumer who they borrow and profit off of every day as they charge interest for the loans they make with our own check deposits.
Consumer complaint received 2023-12-29
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. (VA)

Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report. 
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 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 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I fully paid off several credit card accounts on XX/XX/2023, most of which are reflecting correctly except one for {$7300.00}. I inquired with the credit card company about the amount they reported and they told me they reported a XXXX balance due on XX/XX/2023. 

I disputed the amount Experian is reporting is incorrect and provided them with my bank statement, the same one I've attached for you, as proof and Experian told me, " The dispute for the account was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. '' Yet it still shows the balance due is {$7300.00}. 

I can't get through to them by phone ; their autobot keeps telling me they can only transfer to an agent under certain circumstances and won't transfer me.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (GA)

According to Congress Federal Law Fair Credit Report Act 15 USC 1681 A-N Definition Exclusions of Contract and Civil Liability for Willful Noncompliance erase and discharge the line of credit and transactions/experiences that show late payments, payment history, utilization, mixture of credit, length of credit history, new credit. These shall be excluded on consumer reports. 

You will also need to show original agreement with signed wet ink signature. Since you can not furnish this information, please discharge/delete this negatively impacting report item. Please discharge and delete from all credit bureaus. 

Should you not delete and discharge immediately, I will pursue civil litigation and sue for defamation, denial of credit opportunities, and denial of career opportunities.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. I need the following inaccurate information to be updated or deleted.XXXX XXXX XXXXXXXX Balance : {$26.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : {$37.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2024-01-03
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: Experian Information Solutions Inc. (CA)

XXXX rep types in wrong account number on XX/XX/XXXX when payment made on phone. 
XX/XX/XXXX rep took payment by phone after I thoroughly explained history of payment being rejected, per " my bank ' nothing posted or rejected on my checking acct. 
XX/XX/XXXX same process as XX/XX/XXXX. XXXX rep assured me payment processed. XXXX made XX/XX/XXXX posted XX/XX/XXXX for XXXX payment. 
XX/XX/XXXX received letter " XXXX payment late ''. Called XXXX XX/XX/29 to inquire as to why? Since my bank showed payment went through. Per XXXX that payment posted to XXXX payment which was rejected. After much deliberation with rep, he took the time to look at account. XXXX rep was able to find the problem, the rep on XX/XX/XXXX had typed in incorrectly the checking account number. This was XXXX rep failure to listen to customer and the facts. I feel I did due diligence in communicating with XXXX, however they did not take time out to ascertain why payment being " rejected '' even after me reprising of what my bank had advised
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX opened a fraudulent account in my name with my social security number without validating my address or calling me. Someone fraudulently purchased a motorcycle in the other side of the country, and despite furnishing a police report, XXXX XXXX XXXX has done nothing to help.
Consumer complaint received 2022-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I have been sending countless letters appealing to Experian to verify the disputed items and remove them if unable to prove that the Items are mine. Experian is failing to block or remove the accounts from my report. I filed a report on the FTC website, I specified how the identity theft took place, and that I did not benefit from or receive goods or services from the alleged accounts. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-13
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: Upstart Holdings, Inc. (TN)

I made a payment on XX/XX/XXXX, the last day of my 30 days to not be late with XXXX payment and on XX/XX/XXXX requested a foreberance request. I was approved on an unknown date and notified via email on the XXXX of XXXX. The last date showing my payment was past due was on the XXXX when I accepted my request. From that date on, my account has shown not only am I not past due, but that my account doesnt have payment due until XX/XX/XXXX and that the company would not be reporting my payments as past due. I have two 30 day late payments on my credit report and have file multiple credit disputes to correct this. The last late notice that the company has was XX/XX/XXXX well within my grace period for XXXX payment. If I had known my payment was past due I wouldve paid it. If I had known my last payment was late, I wouldve been able to renew my lease and not send in a 60 day notice, assuming Id be able to lease somewhere else. Ive requested documentation and not received any response. No response to any emails other than your information is received and the last conversation disconnected on me after I brought up the involvement of my attorney.
Consumer complaint received 2024-08-05
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (MA)

I have XXXX credit cards with Chase Bank. They offer a pay over time plan for larger transactions. Different payback periods are offered with a monthly transaction fee. Both the monthly payment and fee are disclosed up front. The information states there is no prepayment fee. Recently, I had as many as XXXX plans. I contacted customer service to find out how to pay one of them off and was told there was no way to do that. They said if I send the specific amount to pay off that one plan, the amount would just be applied to the outstanding amount and the transaction fees would continue! The only way to avoid fees would be to pay of the entire balance. This is not disclosed anywhere that I could find. It also defeats the purpose of having a pay over time plan. It is also misleading to say there is no prepayment penalty since there is no way to pay off individual plans.
Consumer complaint received 2024-08-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: M&T BANK CORPORATION (MD)

M & T Bank is holding me responsible for {$330000.00} which was fraud on my home equity line of credit and investigated by the police and found this to be fraud and the bank was to write off this and they refuse to do so. They have ruined my credit to the point that I can not by a loaf of bread on credit. Before this fraud, I had a credit score of over XXXX and now I am down to XXXX. I have been in communication with DOZENS of people only to still have the problem. They have a lien against my house.. I am XXXX XXXX XXXX and live now on a social security check only. The fraud man took all my savings. All of this stuff started in XX/XX/XXXX and continued until XX/XX/XXXX. I have the case number from the police. I just do not know where to turn in this matter. This matter has caused me to be on XXXX XXXX from my doctor, and I need HELP PLEASE.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

Immediately delete these accounts because I asked for sufficient evidence from each company and the 15-day window has passed. Due to improper communication, I demand that these accounts be deleted right away, or I will file a lawsuit since my rights as a consumer have been infringed. I am appalled by your lack of assistance to consumers, and I urge you to reconsider. Please solve this case to my satisfaction or I will take additional action to obtain the results I require. My credit is very important to me, my rights are being infringed, and I am in a deep XXXX as a result of this circumstance.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
NAME : XXXX LAST NAME : XXXX XXXX XXXX : XXXX SECURITY FREEZE
Consumer complaint received 2024-08-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Arbor Professional Solutions, Inc. (MI)

I received a letter from XXXX XXXX XXXX on XX/XX/XXXX to let me know that since XX/XX/XXXX, I owe {$1000.00} to the account I have with the XXXX XXXX XXXX XXXX XXXX. My main complaint is that not only did they neglect to inform me what that charge is for, but since I never received a letter, or email, or any form of communication before this letter, I don't understand how I can be late to make a payment for something I was never informed of.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TN)

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.
Consumer complaint received 2024-08-04
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc (IN)

I have been paying on the line of credit for over a year. It seems my payments doesnt mean anything. I was unaware that if I make payments lets say XXXX only XXXX bucks goes toward the loan its self. As you may know the economy prices are super high that its getting unaffordable for me. Every time I get paid, I am making a payment towards this and nothing is happening. This is a scam and I should have did my research before hand. No ine explained that this was the cost begin getting this loan
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Dear Sir/Madam, I am writing to formally dispute inaccurate personal information on my credit report, as provided for under the Fair Credit Reporting Act ( FCRA ). The inaccurate information is causing me considerable inconvenience and potential harm, and I request its immediate correction or deletion. 

**Accurate Personal Information : ** - **Name : XXXX XXXX XXXX XXXX XXXXDate of Birth : XXXX - **Social Security Number : XXXX - **Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX This is the only correct and accurate information that should be reflected in my credit report. 

**Disputed Information : ** The personal information currently reflected in my credit report, which differs from the accurate information provided above, is incorrect. I demand the immediate deletion of any inaccurate or outdated information, and the rectification of my credit report to solely reflect the accurate personal information as listed. 

**Legal Basis : ** Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq., consumer reporting agencies are required to maintain accurate and complete information. Specifically, Section 611 of the FCRA provides consumers with the right to dispute inaccurate information, and obligates credit reporting agencies to investigate and correct such inaccuracies in a timely manner.
Consumer complaint received 2024-04-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lloyd & McDaniel, PLC (GA)

Im being sued by Lloyd & McDaniel PLC for a debt that is no longer owed. They didnt fully validate debt according to my requests in validation letter all they sent me where statements. The amount stated is incorrect Ive also submitted documentation showing my credit report showing debt correct amount and that it was charged off and canceled by original creditor which means it was written off and no longer needs to be paid. I believe they have falsely pursued this debt whether knowingly or unknowingly which further shows they didnt fact check the debt and also why they didnt provide the information requested that was needed to validate debt.
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

My complaint is with Capital One. 
On XXXX XXXX I attempted to make my first payment of XXXX dollars. On XX/XX/XXXX I received my yearly vacation check from my job, and I attempted to make a payment of {$1100.00} to pay off my card. On XX/XX/XXXX I was notified that my payment of {$25.00} was returned due to insufficient funds. I verified that I did indeed have sufficient funds in my account, I had {$5000.00} dollars in my account. This was in the evening after my bank was closed so I couldnt contact them. The next day, XX/XX/XXXX, Im notified that my payment of {$1100.00} was returned also due to insufficient funds. Again, this is not true because I had and still have plenty of funds in my account. I contacted my bank and they had no record of any transaction attempt from Capital One. I verified that the routing and account numbers were correct. I contacted Capital One and they updated my account and routing number to make sure there wasnt an entry mistake on their end. I made a payment of {$1900.00} at that time. Today, XX/XX/XXXX, I am notified that my payment was again returned due to insufficient funds and that my account has been closed! Again, I had and still have plenty of funds in my account. Theyve known Ive contacted and have tried to rectify this problem, so for them to close my account like this is abhorrent. I called my bank, they checked everything and there was no attempt for transaction from capital one, and no indication of a stop due to fraud. My bank, XXXX Bank XXXX XXXX, said that the issue is on Capital Ones end. I contacted Capitol One again and was sent to a couple different departments. None could figure out the issue. They finally let me make a payment with my debit card which went through fine with no issues at all. They did say that they cant guarantee they will allow me to use debit in the future. They also wouldnt let me dispute the closing of my account. I am very unhappy and displeased with Capital One and how they have handled this reoccurring problem, that is apparently on their end. They didnt seem to do much to figure out what the problem was and didnt work with me very well. I even offered to call my bank and merge the calls into a XXXX call so that they can speak directly to my bank. Im not sure if anything can be done about this at this time, but I would like this complaint filed and heard by Capital One, and also for any future people that may go with that company. I have attached a photo showing that my payment actually shows in my account now that they let me use my debit card.
Consumer complaint received 2024-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (TX)

My ex-husband filed for bankruptcy on XX/XX/year>, and our divorce was final on XX/XX/year>. I am not included in the bankruptcy and did not file with my spouse, but the debt of {$460.00} from XXXX was included in my Ex-husband 's bankruptcy ( XXXX XXXX XXXX ). 

This debt does not belong to me and will need to be removed from my credit report as soon as possible. I learned that it was in the collection by my XXXX membership, not the collection company.
Consumer complaint received 2024-08-03
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TX)

Itemized chart of how the total amount ( XXXX ) was added up and how that number was calculated and where in the lease that was stated. I have done this multiple times via letter to verify the debt and through experian as well. I was never informed this was placed on my credit originally as well.