davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (NY)

I am writing to file a formal complaint regarding a collection accountS labeled XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX  that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Consumer complaint received 2023-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (WI)

Someone when to a atm machine and withdraw money out of my account why I was at work XXXX  times every XXXX minutes for a total of XXXX dollars and I been trying to get it back from chime but they keep denied it saying no error I even send them the police report and still denied it
Consumer complaint received 2023-09-12
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: EQUIFAX, INC. (MI)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. I am trying to purchase my dream home and realized I have damages on my report. Total defamation to my character. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2024-06-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Carter-Young, Inc. (GA)

A company name Carter-Young, XXXX {$500.00}. I would like this company to show the.. Original contact with my original signature, original payments with this creditor and what ties do I have to this company. I don't know who they are .I would like them to show me a debt validation. If not I would like them to remove this from my credit report .... Have not supplied proof order doctrine of toppel by XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I presume at no proof of the alleged bt nor therefore any ch dept in fact therefore exist
Consumer complaint received 2024-02-20
Product: Mortgage — FHA mortgage
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: WELLS FARGO & COMPANY (GA)

I received a call this morning. The call ( per my approval ) was recorded and will show that I was advised Wells Fargo will not revisit this matter. If I have concerns or questions, they must be taken up with the new loan Servicer. This is just proof to me than Wells Fargo offloaded this loan and refuse to answer any of my concerns such as how my XXXX XXXX backed loan was transferred to the new servicer as a XXXX LOAN. They did not tell me how this loan, solely held in my deceased husbands name did not get a new account number when I took it over. They did not answer why additional loan documents allegedly signed by me several weeks after XX/XX/XXXX were scanned in with the package of documents I did sign, intermingled as if it were all a part of the original package. These additional documents were not signed by me, or signed with a notary public present, yet added to the package. They still have not answered why a REMEDIATION Check was sent to The XXXX XXXX in XXXX in regards to this loan for {$1600.00} and no explanation ever given as to why. No mediation opportunity was ever offered. Not addressed at all. 

This needs to be revisited as there are inconsistencies with their response and lack there of. Please review the recording as I felt threatened when told more than once, they will not revisit my legitimate concerns and if I have any more questions, contact the new Servicer. What legitimate and ethical business practice is this? The Originated, Modified and had this loan on their books for almost 20 years. 

They know there is trouble with their loan documents regarding this situation and are hoping I give up fighting for my rights. They must address every inconsistency and concern.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc. (CA)

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed below. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 

Items in question Current Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$12000.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00} I.C. SYSTEM, XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$160.00}
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/year> a fraudulent charge of {$2400.00} was made under my name with XXXX XXXX. I have reported this to XXXX and XXXX an investigation has been conducted and confirmed that I did not purchase this with XXXX. 
I have send confirmations to Amex but there not responding.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc. (CA)

I do not have a cotract with Ic System Inc. and they have posted a collection on my credit report that is inacurate.I.C. SYSTEM, INC Original creditor : XXXX XXXX XXXX XXXX XXXX details 0 % paid off Balance {$2200.00} Balance updated XX/XX/XXXX Original balance {$2200.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$2200.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Payment summary XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - C PAYMENT HISTORY LEGEND Comments Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Your statement - Contact info Name I.C. SYSTEM, INC Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2024-02-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (FL)

I called today and asked if they have received the verification letters from Delta and XXXX, confirming that I did not make the purchases for XXXX XXXX for $ XXXX have sent Amex proof but they are not telling me if they received the documents.
Consumer complaint received 2024-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (PA)

In XXXX of this year my wife and I were almost {$3000.00} paid ahead on our car loan, we wanted to stop the payments so we could use the money for other things. The manager at PNC said he can do that. On XX/XX/XXXX we started receiving late notices from all of our debtors, nothing was being paid, so I called PNC to find out what was going on, a woman by the name of XXXX XXXX called me and told me the manager had frozen all of our accounts payable by mistake and that they were going to fix this. Now I'm 2 months behind on everything and they have done nothing! They took a mortgage payment out in XXXX of this year and it was never submitted for payment and was not credited back to our account. There third party contractor that handles these payments called me, his name was XXXX, he said the payments would resume within 24 to 48 hours and that never happened. We are in the process of changing banks because we are the only ones trying to fix this. PNC had offered no help figuring this out and I requested an audit of the account starting in XXXX and have never heard back from them. I had 2 utility companies show up at my house to shut gas and electric off because of non payment. PNC has done nothing to help figure this out. I'm on a fixed income and disabled so this is a big problem for me and my wife.
Consumer complaint received 2024-02-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY (FL)

I applied and was accepted for a XXXX XXXX, frustratingly the companies app offers no way to sign up for automatic payments. 

XXXX systems failed to notify me of a past due balance on my account. I received XXXX emails or text messages related to a late payment. The direct mail that was sent on XX/XX/year> and XX/XX/year> was labeled on behalf of Wells Fargo, not from XXXX. At this point I did not know of the association between the XXXX brands, up until that point it seems XXXX went out of its way in all marketing to not associate directly with Wells Fargo in any way. 

Furthermore the XXXX app was the primary way I made all payments, this app does not allow for auto-pay in any way ( reference XXXX ). Text message notifications regarding fraud on the account went to my wife instead of to me, my wife has no connection to the account ( reference XXXX ). 

Not only did XXXXWells Fargo fail to notify me properly of past due payment, they violated FCC regulations on permission text notifications, as well as failed consumers with no way to setup auto-pay in the XXXX app. 

Due to these issues by Wells Fargo, I was not given proper notice of late payments on my account, and the late payment remark on my account should be removed immediately.
Consumer complaint received 2024-02-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (CA)

I have used Wise for the last 8 years as I spend my time in the US and XXXX. My banks have never changed. Transfers would take literal seconds to happen, and my transfer amounts are typically $ XXXX {$200.00} USD, with one transfer a month being over {$1000.00} to pay for a mortgage I have in XXXX . 

Starting XX/XX/2024 my transfers started taking up to 5 business days to be sent. I immediately reached out to ask why the change, and also if there were issues with the company and if was it in jeopardy. I had bills to pay that week so I was very stressed by this development. I was assigned case # XXXX. 

Their first response : " It usually takes up to 4 working days for your money to reach us. Youll see the debit in your bank account within 2-3 working days of making the transfer. 
Since it can take some time for the money to reach us, make sure you have enough money in your account while you wait for the debit. '' My response : " This did not used to be the case. And it's been taking longer than 4 days. Why did this change? This is not sustainable for me. There have been 0 issues for at least 3 years, and my account hasn't been the issue in as much time. '' Their response : " I just checked your transfer # XXXX can confirm this was set up 3 days ago and the system shows me that the payment will be resumed within 30 minutes after Friday, XX/XX/2024. Transfers sometimes are instant but also sometimes us or our banking partners need to do routine checks and in this case transfers can take more time. So far Wise has no intention of closing, it continues to work normally as of today, if there is any news like that, we will let you know. '' This is not a suitable response to me at all. The transfers continue to take around 4 days and it is screwing up my livelihood. This is not an issue of my account being insufficient so I just want to know why this is going on.
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (NC)

Discover Bank : Account No. is XXXX ( {$7600.00} ) has violated my rights. And this card was open with stolen information & needs to be removed. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-02-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NM)

On XX/XX/XXXX I deposited money to my checking account around XXXX pm and ten minutes after a unauthorized transaction occurred and took XXXX from my account I do not know the merchant that took my money I have never Heard of it or ever had previous encounters with the company that goes by XXXX XXXX  I have called them no answer I also saw another person got the same amount taken from the company. So I filed a dispute with my bank to try and get my money back they did an investigation and said they saw no errors occurred. And told me to send in proof to help the investigation so I did so and they still said no errors occurred and did not help me get my money back. I ordered a new card and blocked the merchant. I tried logging into my account and it said my account was closed I did not close my account I had no knowledge of it closing.it was closed on Friday XX/XX/XXXX XXXX I was not able to login to my account. My Bank did not help me with the unauthorized transaction, they closed my account without my permission they did not help me in anyway a bank should they made it seem like I was lieing and that I made the transaction which I did not I had to send in proof to help the investigation for my dispute. I don't think I should of had to do that I did not have previous transactions with the merchant and they stated that I did on the investigation they said that I did on my bank statements I have no previous transactions with the merchant that took my money I requested the information they found on the investigation and they did not send it to me.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

I am submitting a complaint against SchoolsFirst Federal Credit Union regarding their failure to respond to my disputes. I have mailed dispute letters to SchoolsFirst Federal Credit Union on three separate occasions : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Despite the passage of time, I have not received any response from them regarding the inaccuracies I have disputed. 

As per my understanding of the Fair Credit Reporting Act ( FCRA ), furnishers like SchoolsFirst Federal Credit Union have 30 days from the date they receive a consumer 's dispute to conduct an investigation and provide the results back to the consumer. However, in my case, SchoolsFirst Federal Credit Union has failed to adhere to this timeline and has not communicated with me regarding the outcome of their investigation into the disputed items. 

I am including copies of my dispute letters sent to SchoolsFirst Federal Credit Union to demonstrate the attempts I have made to resolve the errors on my credit report. Despite my efforts, the credit union has not responded or taken appropriate action.
Consumer complaint received 2023-09-19
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX
Consumer complaint received 2024-07-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (CA)

This account represent a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (GA)

In relation to a previous complaint, Amex responded " Its important to note that we made several attempts to contact you prior to closing your account, because we needed to complete additional identity verification for your account. '' I found this concerning as I had no record of any correspondence at all from the company prior to my account closure. 

I've attempted to speak with support multiple times, including XX/XX/year> and XXXX on this issue, and previously had a ticket open with their support, which was closed without resolution or notice to me. 

Each time, Amex has insisted that they attempted to contact me, but failed to provide any information on the supposed attempts. Most recently, I was told they do have the information and can confirm that there were attempts, but that there system did not allow them to share the information with me. 

I find all of this extremely concerning, as I maintain an account with AmEx and may need to be contacted in the future. It seems that either A : American Express is attempting to contact someone other than me related to my account, or B : American Express Provided false information on my previous complaint and is unwilling to admit the mistake.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: The Law Offices of Mitchell D. Bluhm & Associates (GA)

I am unaware of this account by the name MBA Law Law offices of MBA. Please validate this information with the creditors and provide me with any documentation associated with these accounts. I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful records of your actions.