davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-01
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: Experian Information Solutions Inc. (FL)

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XX/XX/2024
Consumer complaint received 2024-01-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC (DC)

Due to a mail mix up. I was late ( first time ) on paying DC property taxes. When I attempted to pay I discovered my mortgage company had paid {$5000.00} on XX/XX/XXXX, XXXX contacted Rocket Mortgage and said my loan specifically does not have an escrow account and I plan to pay my quarterly taxes as I had in the past and they said they would continue to charge me monthly. My previous monthly mortgage was {$1400.00}. My current mortgage payment plus escrow is {$3000.00}. This does not make sense as my annual property taxes are {$8900.00} yet my monthly escrow amount is {$1500.00} which equals {$18000.00} annually. I simply want to pay my property taxes as my loan dictates directly to District of Columbia and not be overcharged in this way. Note : I have never been delinquent in paying my mortgage and have excellent credit. This is an unfair business practice.
Consumer complaint received 2024-01-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NV)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against National Credit Systems , Inc. for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 
This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until National Credit Systems , Inc., can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and National Credit Systems , Inc., continues its collection efforts, I will file for litigation for actual damages caused and National Credit Systems , Inc. shall be liable for violations of TILA, FCRA, XXXX, XXXX, the XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX FTC XXXX and XXXX Act. 
Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2024-01-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

XX/XX/2024 I deposited a check for {$12000.00} into my checking account in order to pay off a car loan we had with USAA. 

XX/XX/2024 I checked my account to ensure check had posted and confirmed I had {$18000.00} in my checking account ( {$12000.00} from check deposit and {$6300.00} of my own money ). I used {$12000.00} to pay off an auto loan from USAA that I owed on thereby paying off loan in full. 

XX/XX/2024 I checked my account only to discover that I was over drawn by {$6200.00}. I called USAA and they stated the check I deposited to pay of the loan despite the fact that it had posted to my account had actually bounced and instead of contacting me they withdrew all my money in my checking account leaving with a negative balance of - {$6200.00}. I never authorized USAA to withdraw money from my account and would never have paid off a loan with money I didnt have. 
Spoke with USAA representatives multiple times over the next week and could never get an explanation as to why they withdrew money without my authorization. This is still not resolved and I still carry a negative balance. USAA has been absolutely terrible to deal with and provides no support at all.
Consumer complaint received 2024-07-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAINE & WEINER COMPANY, INC. (KY)

Caine and weiner is reporting negative information to my credit without authorization, without validation or verification of debt. Without consent ( there had been no new contract drawn up ). Information and break down of the money saying I owed and what is it for. A record of all book keeping information related to this account including GAAP RECORDS. I am requesting documentary evidence on this entire account including before my personal information was sold. Caine & Weiner is participating in fraud by using my name and likeness without consent. It is a federal crime to use extortion to compel someone to behave in a certain manner. I.e negative credit reporting in hopes of a payment.
Consumer complaint received 2024-07-01
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: Experian Information Solutions Inc. (CA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-01
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. (PA)

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my XXXX dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after XXXX written requests is also evidence of their willful disregard of Federal Law.
Consumer complaint received 2024-01-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NE)

I have XXXX credit cards with Bank of America that I made payment arrangements wuth on XX/XX/XXXX One card was {$66.00} payment and the other was {$140.00}. I opted not to do autopay on these cards. The scheduled due date for payments was set for the XXXX of each month. I called on XX/XX/XXXX and made my payments early. One paymeny of {$400.00} and other {$140.00} by debit. On XX/XX/XXXX there was an unauthorized autopayment of {$140.00} and {$66.00} from my XXXX XXXX XXXX XXXX XXXX ( XXXX ) checking account. I had the representative shut off the unauthorized autopay. I called B of A on XX/XX/XXXX and spoke with a representative that processed a refund of {$140.00} and {$66.00} back to my XXXX account. I spoke to another representative about refunding the NSF fees caused by the unauthorized autopayments. The rep stated that once the refunds are applied to my checking account that my bank will refund the {$66.00} in total NSF fees to my account. When I spoke with the XXXX bank manager, he stated that the refund of the NSF fees is the responsibility of the financial institution that committed the error. I am requesting a refund for the total of {$66.00} to be applied back to my XXXX checking account
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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 XXXXXX/XX/year>
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NE)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-01-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: WELLS FARGO & COMPANY (WI)

On XXXX XXXX I receive a Letter from Wells Fargo Customer Care ( Please see attach files ) Informing me that I was enrolled in the Identity Theft Protection - Affinion - Product. Enrollment began on XX/XX/XXXX and ended XX/XX/XXXX. 
I was told at that time ( XXXX ) that due to my age ( XXXX ) it was not valuable to me. So I was not able to enroll, Little did I know that either Wells Fargo, or XXXX XXXX Had enroll me with out me knowing, and with out me Authorizing It. Age should not have been an Issue when it was being offer to younger person, I had an Excellent Credit Rating, and still have it to date. 

XXXX days later I receive another Letter from Wells Fargo Customer Care ( Please see attach files ) Informing me that I was enrolled in the Identity Theft Protection - Affinion - Product. 
Enrollment began on XX/XX/XXXX and ended XX/XX/XXXX. I did not at that time add this to my Credit Card due to It's cost. 

Both the Letters gave a phone Number on them to call If I had any Question, and Yes I called them, and was not Please with what I was told, on what the Compensation would be for this. Like every one else I did not Like being told I was to Old to add that Product to my card in XXXX, and as of to date I still do not like it.
Consumer complaint received 2024-01-09
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: REGIONS FINANCIAL CORPORATION (KY)

My name is XXXX XXXX I here to complain against Comdata cardholder so here is the reason am filling a complaint against Comdata am a Comdata cardholder payroll so I claimed a dispute twice first they never listen it was early XXXX and second time it was the end of XXXX which I claimed a dispute transaction so then XXXX XXXX I have received an email from Comdata dispute team said they starting investigation which was late to and today Monday XX/XX/XXXX i tried to follow any updates and met bad update decision denied so it was clear for me the dispute team they never tried investigation and i didn't get help and the transaction made by XXXX XXXX with me knowing so it was unauthorized transactions it was a lot of money i need help to get my money thanks.
Consumer complaint received 2024-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I OPENED A MERCHANT DISPUTE WITH MY BANK WELLS FARGO UNDER THE CLAIM ID XXXX, FOR MERCHANDIZE NOT RECEIVED. 
I RECEIVED THE DOCUMENTATION FROM THE BANK REQUESTING TO SING AND FILL IT. 
I SEND IT TO THEM BY EMAIL ON XX/XX/XXXX  WITH ALL THE INFORMATION REQUESTED. 
A COUPLE OF WEEKS AGO THE PROVITIONAL CREDIT GIVEN WAS REVERSED AND I GET A NOTIFICATION FROM THE BANK THAT THE CLAIM WAS CLOSED AND DENIED BECAUSE I NEVER SENT THE INFORMATION REQUESTED. 
ATTACHED GOES AGAIN THE INFORMATION REQUESTED THAT WAS SENT TO THE BANK IN THE DATE GIVEN. NOW MY ACCOUNT IS OVERDRAWN AND COULD BE CLOSED DUE THE BANK ISSUE PLEASE PROCEED WITH THE MERCHAND DISPUTE THANKS
Consumer complaint received 2024-01-08
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: GOLDMAN SACHS BANK USA (CA)

i have been having this dispute going on for months now and its about the company called the real real, i had made a purchase of {$1900.00} on the app the real real. it had came to the day that i was notified about the arrival of my package was through my cellphone, but i came to realization that i have in fact not received anything to my household, i had argued for a week with the merchants support chat about my package, to them in chat confirming and granting a refund process to me due to my missing package on XX/XX/XXXX at exactly XXXX. then they never actually sent me a single penny since them saying that in the support chat, in that case i took this up with the credit card apple chat on XXXX XXXX  to dispute the charge from the real real since they never sent me the package i paid for or the refund they granted me. then barely today XX/XX/XXXX the apple credit company did in fact not grant the refund my dispute. so i reopened the dispute XXXX XXXX XXXX with apple credit and filing it up with you guys.
Consumer complaint received 2024-01-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

My wife and I are holders of a MerrillXXXX XXXX credit card administered by Bank of America . We are listed as XXXX XXXX because we spend more than $ XXXX per year using this card. This entitles us to XXXX XXXX up to {$200.00} per year for incidental travel expenses including airline baggage fees. ( See EXHIBIT A : MERRILL XXXX XXXX CREDIT CARD BENEFITS AND REWARDS GUIDE ) ( SEE EXHIBIT B and EXHIBIT C : Website references to the XXXX XXXX ) On XX/XX/XXXX using our credit card, we paid XXXX XXXX XXXX fees each in the amount of {$30.00} totalling {$120.00}. ( SEE EXHIBIT D : Our credit card statement showing the XXXX {$30.00} charges ) Previously during 2023 we had received a credit of {$120.00} for payment of other baggage fees. Therefore, based upon the {$200.00} annual credit limit, we are still entitled to a reimbursement of {$80.00} which we have not received to date. Despite repeated phone calls to various customer service departments within Merrill Lynch and Bank of America, we have still not received our {$80.00} reimbursement. We have been repeatedly directed to different departments each of which continued to direct us elsewhere. We even had one representative say the travel credit program has been discontinued in XXXX even though no notice was ever given and the benefit still appears on the cards website. We went through similar difficulties with the earlier {$120.00} credit mentioned above, necessitating a complaint with your bureau ( Case # XXXX ) which resulted in a payment of {$120.00} to us. We believe that this situation is either fraudulent or is a gross mismanagement of a benefit publicly offered to the Banks MerrillXXXX XXXX XXXX cardholders. We are requesting a correction of this situation and receipt of our {$80.00} credit.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 601 states I have the right to privacy. 15 us 1681 section 604 a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B, a creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (GA)

XXXX Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. 
In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

or, ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ), unless any consumer credit contract made in connection with such purchase money loan contains the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

There has been improper use of my credit and there are multiple charged off accounts certificates of indebtedness which are now income and need to be paid as agreed I need this done in each of my credit reports with XXXX XXXX XXXX and XXXX
Consumer complaint received 2023-09-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

In XXXX of 2018 I finance a Toyota XXXX for 60 months with Toyota financial credit. 
My credit rate was 19.75 % interest rate. 
During the duration of the loan. I got behind on 10 payments.

Toyota moved 10 payments to the end of my contract. My payments were {$330.00}. 

For each payment, over the 60 month contract that they moved to the end of the contract. I was charged an additional {$420.00} on top of the {$330.00}. Over the phone they said interest would occur on the money that I moved to the end of the contract but they did not tell me that the amount would come to {$4200.00}. That I would need to pay at the end of contract. After I paid the {$330.00} per month. I felt the company was Decepticon in using the term interest would be added. Not knowing that each payment I defer to the end of the contract with cost me an additional {$420.00}. Per payment defer to the end of the contract.
Consumer complaint received 2024-01-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (MA)

I had my account restricted for more than 1 month. I am allowed to receive to but not transfer any money. They said that the verification team needed to verify my informations but also claimed than all the informations they have from me are correct and it was just a bug from the system. My account is still on hold and nothing have been done since. I am calling regularly but it seems that no one is paying attention to the problem and I still dont have access to my money on the account. I cant even close my account as I would need to be verified for that.