davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (TN)

They removed it off in XXXX they XXXX was filed debt was discharged at XXXX balance and regst are a company that. Bought an account that was XXXX and at XXXX balance they are trying to collect a debt that I do not owe I have never or have a contract with Debit Zion holdings I have never signed a contract with them nor Have I given them any permission to access of my personal information that has been sold to them. I have also hired an attorney to have them. Stop placing inaccurate information on my credit report
Consumer complaint received 2024-01-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (IA)

ALLY auto My 2020 XXXX XXXX XXXX was involved in a total loss accident last week. My adjuster needs the payoff amount but Ally is refuse ng to send it. They say they need two weeks to get this completed. This is unacceptable as they should be able to give it to us either over the phone or fax or email. They are costing me money and will not provide a solution.
Consumer complaint received 2024-05-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I believe the account is invalid. 5/3 BANK NA needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.5/3 BANK NA XXXX.
Consumer complaint received 2024-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Omega RMS, LLC (NV)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TN)

I believe it was XX/XX/2022. I pay my car payment myself not on auto pay and went to pay it and they told me they couldn't take the payment because of the bank Taking back 3 months of payments. And they gave me 2 days to get all the balance due or they were going to repo my car. So I called the bank and of course at first no one knew how it happened and were supposed to send the lender a letter explaining what happened and that they would return the payments to keep my car. But they didn't and the second day I got a call from work work saying they are towing my car. So I get back on with the bank and then contacted the corporate office and took them a like 2 weeks to reply in a email. Meanwhile I had to fill Bankruptcy because of that and I just built my credit up from a previous bankruptcy so I'm really mad about that! Anyway a few back in forths and a month later I heard back again and they are still looking into it. So in XXXX XXXX XXXX  you this happened in XX/XX/XXXX I grt a call from corporate office telling me there is nothing they can do because someone that didn't sound anything like me and that's their words but some how had my account info and had the payments pulled back! And this is after seeing several bank accounts in my name I didn't open. Anyway they said they can't do anything but me and my lawyer feels they owe me XXXX for the balance of the car they let someone takes payments back on! I'm pretty that's the dates but I have them and the emails. I stayed banking with them because my lawyer told me too in case they compensate me for my car. Never did and never heard back from them again.
Consumer complaint received 2024-05-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (PA)

I noticed a few fraudulent charges in my account, I immediately reached out to WellsFargo regarding this issue I explained everything to the claims department representative an also offered to provide my work schedule showing I couldnt have made the fraudulent charges due to me being at work however the the claims representative told me it was ok and filed the claim for me and provided me with a provisional claim. XXXX days ago WELLSFARGO took {$1600.00} out of my account not even leaving me with enough money to pay my bills I reached out to them and the claims representative was very ignorant am told me that I made the fraudulent transactions or gave my card to someone to make the transactions I explained to them that, thats simply isnt true and asked to speak with a supervisor the representative told me no I asked if the claim could be reopened an if I could send in verifiable evidence showing that I did not make the transactions I was told no and that the claim was closed indefinitely! I will be filing additional complaints against WELLSFARGO as well as closing all accounts this was a terrifying experience. I will be adding the claim number below XXXX
Consumer complaint received 2024-06-01
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RentDebt Automated Collections, LLC (CO)

15 U.S. Code 1692c - Communication in connection with debt collection. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. This is not my debt to pay.
Consumer complaint received 2024-05-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

My PayPal account got hacked on " XX/XX/year> '' when I received notifications that my account 's primary email has been changed and multiple different email addresses have been added on my account. 

And then on the same date of " XX/XX/year> '' I received further notifications that the physical address has also changed, and multiple different physical addresses has been added onto the account. 

Furthermore, on the " XX/XX/year> '' my PayPal 's account got multiple changes in the password as well. And then, 2 unauthorized transactions were completed & processed to " XXXX XXXX ''. 

I called the support and reported these unauthorised profile changes and I was being assisted got my account changes reverted back to its original form & the transactions were also being determined unauthorised & refunded me the whole amount. 

But with these whole changes, my PayPal account got permanently restricted as there were unusual account activities found. 

As of the moment, I have no access to my funds, and I have no option to refund the {$500.00} balance to " XXXX XXXX ''. 

Is it possible if someone from higher management can process the {$500.00} to " XXXX XXXX '' as I am unable to use these funds now as this payment was for a digital work that I have to provide to my client, but since I do not have the access to these funds, my client is asking for the refund. 

So I would appreciate if you can refund this amount back to " XXXX XXXX ''
Consumer complaint received 2023-07-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: MARINER FINANCE, LLC (GA)

During the end of covis 19 pandemis.Struggling to maintain, out of work and credit score dropping.Recived a unsolicited laon check in the mail for XXXX from Marieiener FinanaceXXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXXAlthough the origianl instrcution about the loan process were reported.Once the loan was deposit I never heard another word either written of by electronic for over a year.Almost a year to the date I recive a summons by the local Sheriff to a [ ppear in court for non payment of a loan..Along with every document that should have been recived prior to the first loan payment.there is no excuse for non payment other than my finanaical inability to pay, due to chronic unemployment.
Consumer complaint received 2024-05-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (NV)

XXXX a Bonus Offer from Chase Bank indicating XXXX Bonus upon opening Checking Acct and making a one time Direct Deposit ( no specified XXXX ) ; XXXX Bonus upon opening Savings Acct with $ XXXX Deposit and maintaining $ XXXX Balance for at least 90 days ; receive an addtl XXXX for fulfilling above criteria simutaneously and within 90 days. Both accts were opened XXXX simultaneously. $ XXXX Deposit was made to Savings acct and $ XXXX Balance was maintained for 90+ days, after which Savings acct recd XXXX Bonus from promo offer. 
Direct Deposit was made in the amount of XXXX on XXXX, but no XXXX Bonus was ever honored, nor was addtl XXXX Bonus. Contacted Chase Customer Support, but no resolution. Chase Support has only sent ticket to 'escalation team ' and various other 'tier teams ' none of which have explained why Bonuses were not honored. Also spoke in person with Local Branch Mgr and Asst Mgr, but was told they couldn't get anything resolved due to Support Ticket issues. Pls take steps to resolve this issue. Thank You.
Consumer complaint received 2024-05-30
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 (NY)

I attempt to use the remaining balance of this card on XXXX ( using {$1.00} less than the face value of the card ). And the transaction is declined. I then tried again with various other amounts less than the full face value. Many people have reported having this problem starting this past year.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-05-30
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

I sold my home to another veteran via a VA assumption. My loan was with PENNYMAC. We closed the sell of the home and assumption on XX/XX/year>. The problem is that since PENNYMAC hasnt uploaded the assumption package to the VA, my VA entitlement is still tied up on the loan. I am unable to close on my new home because of this administrative debacle at the hands of pennymac. 

I have reached out to the VA and PENNYMAC more than a dozen time spanning the last two weeks. 

PennyMac claims that this process takes 45 days ; we are close to 60 days with no end in sight. 

I have escalated this issue to pennymac via email and phone and have been promised resolution, to not even receive a call back. 


Pennymacs inability to follow VA guidelines could render my family homeless.
Consumer complaint received 2024-07-30
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-01
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. (NY)

I recently reviewed again my XXXX, XXXX and TransUnion credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-05-29
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (FL)

In XXXX of XXXX I moved to a new home after my divorce. Ordered Internet and TV services from XXXX XXXX XXXX. I had a cellphone service with them and was satisfied with this company for the last XXXX years. They suggested to bring my mobile service bill under a XXXX bill ; all services in one convenient bill. Over the months I saw that I was billed twice ; one on mobile bill and the same on my XXXX bill. I went to a physical location and they said they corrected the issue. Unfortunately, the problem persisted. I made phone calls and the problem did not get corrected. Now we are in XXXX of XXXX, and the problem is still not fixed. I called XXXX XXXX XXXX customer service and was connected to a representative named XXXX, from their call center in the XXXX. 
After explaining the situation he said he had corrected the problem and because of my longtime history with XXXX XXXX XXXX he offered me a XXXX for free to compensated for all I had gone through the last 6 months. The only thing I had to do was pay for the shipping, {$32.00}. 
When I received the phone and opened the package I saw that the phone was free if I activated the line associated with this phone. Heavily upset I went to the store and wanted to return the phone. They declined! I called XXXX XXXX XXXX resolutions and gave them all the information and they told me they would follow-up on this issue. 
I never activated the phone, its actually still in in original packaging and being so upset with the misleading and deplorable service I received I closed all my account with them. 
Then a few months after that the collection appeared. I contacted the agencies and explained exactly what I am telling you here. The issue disappeared from my credit report. Now all of a sudden this company IC Systems reported it again as a new charge as of XX/XX/XXXX and reported it again this month. I really would like to resolve this issue but I can not accept the charge of {$620.00} because, it was never disclosed, secondly, I never activated the phone and tried on numerous occasions to return it. 
XXXX XXXX XXXX has misled, provided poor customer service and has been unwilling to fairly resolve the issue at hand. I gave them the opportunity to review the recording of the exchange between myself and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please assist me in resolving this issue. This is from XXXX and not XXXX. This should already be XXXX XXXX XXXX and not 1 year and 10 months. I am asking you to help me resolve this in fair matter. Thank you for your time.
Consumer complaint received 2023-03-06
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC. (NC)

I applied for a FHA loan with Guaranteed Rate, everything was going smoothly. Due diligence was scheduled to end on XX/XX/XXXX, suddenly on the XXXX Guaranteed Rate said that I would need a co-signer to be able to get the loan. I started shopping for other companies that would be able to close the deal. XXXX XXXX took a look at everything and said that they will definitely be able to work with me. I called Guaranteed Rate at XXXX XXXX on XX/XX/XXXX and asked them to transfer the file over as I can't find a cosigner. Around noon XXXX of Guaranteed 's employees emailed XXXX saying that they would need something in writing from me to authorize the transfer, I immediately responded around XXXX stating as such. I called Guaranteed  to make sure that everything was being handled, and was told that XXXX was working on transferring everything over, this was around XXXX XXXX. At the end of the day XXXX 's underwriter pulled the file and was going to begin working on it, this is when it was discovered that someone at Guaranteed had filed in the FHA portal that I was denied due to lack of income and funds. This is false information, I have the cash on hand needed for closing, and work a full time job that makes more than enough to cover the mortage, utilities, and cost of living. At no point did any employee of Guaranteed Rate say that I was denied until magically receiving an email dated XX/XX/XXXX. This is obviously in retaliation of my pulling the file from them and going with another company.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I Formally request the immediate removal of all negative items from my credit report under the Uniform Commercial Code ( UCC-11 ) declaration. No valid debt is in my name, and any negative entries are incorrect and unjustified.

I demand that your agency : Conduct a thorough investigation into all negative items listed on my credit report.

Verify the validity of these entries by UCC-11. 
Remove any negative items that can not be substantiated as legitimate debts. 
I expect a prompt response and resolution to this matter. Please confirm receipt of this letter and provide written confirmation once the negative items have been removed. 

Thank you for your immediate attention to this urgent matter.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I am writing to formally express my concern regarding the disputed accounts on my credit report. Despite multiple attempts to address the inaccuracies in these accounts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and significantly hindering my ability to lead a normal life. 

The negative effects of these inaccuracies have caused immense hardships, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. 

It is imperative that the necessary steps are taken to update and rectify my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file, thereby regaining control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-07-19
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: EQUIFAX, INC. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 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 ( Original creditor : XXXX ) XXXX Balance : {$3400.00}.
Consumer complaint received 2024-05-31
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp. (GA)

I have repeatedly spoke with XXXX, their customer service, analysts, XXXX offices and above all whom I can talk to and I received no resolution. I returned the equipment that was presented thar they required. This service and their charges were outrageous!! My information has been passed from collection departments to True Accord.
Consumer complaint received 2024-06-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST HORIZON BANK (OR)

I've had this credit card for over 35 years and it's been sold around a lot. The current interest rate I have ( grandfathered in ) is 14 %, which makes it attractive for me to keep and for the company that owns it not attractive. 

When it was most recently purchased by 1st Horizon Bank, I asked how to make online payments. I was told to open a checking account with the bank which is based in TN. I did not wish to do so, so have been using the pay-by-phone feature, which frankly seems rather XXXX century, but whatever. 

Now, more recently they have updated their payment terms / system and when I call in I receive a 'we can not make a payment on this account, please wait while we transfer you ' and then the call hangs up. Additionally, I think if you choose to pay over the phone with a representative, they charge a fee, which - no way. 

so am I left to only pay via paper check and mail? 

I get the sense that this company wants me and my 14 % interest rate card to take my business elsewhere. I, on the other hand, would like to continue to use this card to my benefit. But I do need to find a way of making payments somehow. And not have the. phone system randomly hang up on me or refuse to take my money. 

when I called a 4th time just now, it said today is not a day where customer services reps are available. Great. Fun.