davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (SC)

They are claiming that I've went to the hospital on dates that are not right. Ive asked for them to send proof from the original person the debt was owed to and all they sent me was a statement of what was owed. The company has repeatedly reposted the same debt on ti my credit continously driving my score down and preventing me being able to use my credit.
Consumer complaint received 2024-03-16
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. (TX)

I requested written confirmation that the subject collections be removed, as they are direct violations of the Fair Credit Reporting Act, in that the alleged collections did NOT arise from any credit transaction, and should not be reported on any credit report. The bureaus failed to comply, and the misrepresenting collections remain on these credit reports. 
Further evidence of the collections not arising from any credit transaction includes the following : - No reported high balance.

- No reported Credit Limit.

- No contract was signed or otherwise agreed to.
Consumer complaint received 2023-12-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (WV)

From the moment I tried making my first deposit received nothing but the run around. Came through to get {$500.00} out in the drive thru had to come inside. XXXX was XXXX people deep and decided to close account and withdraw my $ XXXX. Was told they didnt have enough cash to give me, and could do a cashiers check. Been waiting for over and hour and XXXX min to get it done. Provided license and a credit card along with phone with text message verified by bank. 

Have had nothing but problems. Holds on checks. Couldnt wire funds. No assistance at banks but at XXXX XXXX. Had to go inside the bank again to get my account unlocked. Had this account less than a month. 

Banks should not be able to hold your funds. This bank at XXXX XXXX XXXX XXXX, XXXX FL said they didnt have the funds to give me. Then how are they doing business? Why would I need to wait to get my money. This bank should be shut completely down. How many people are they taking advantage of?
Consumer complaint received 2023-12-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP (TX)

Please refer all my complaints about Keybank : XXXX XX/XX/XXXX  XXXX XX/XX/XXXX  XXXX XX/XX/XXXX   XXXX XX/XX/XXXX  XXXX XX/XX/XXXX  XXXX XX/XX/XXXX  I had a checking and savings bank account with Laurel road bank. It's Keybank. I have my salary direct deposit in this account. Since XXXX XX/XX/XXXX  I am not able to access this account. Whenever i tried to login I am getting this message : This is the message I am getting Your Online Banking account is restricted. To verify your identity and gain access, please call us at XXXX or TDD/TTY XXXX that i need to call the bank. 
Laurel road bank is strictly an online bank so I can not go to some branch to do these transactions. 

Today I got this letter from Keybank stating that they had charged {$20.00} overdraft fees into my account. Any reasonable person can understand that if the customer is not having any online access how come they can address these kind of issues - overdraft fees etc... Moreover Laurel Road Keybank is strictly online bank - so i can not go to some bank branch and do this work. 

I want my {$20.00} overdraft fees to be returned back to me.
Consumer complaint received 2023-12-16
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC. (TX)

In XXXX XXXX  all of a sudden, a company, Navient reported eight student loans ( 8 ) on my XXXX credit report that does not belong to me and totaling over {$40000.00}. I have never had an account with Navient. I have student loans, but never had loans with Navient, ever. I requested copies of documentation bearing my signature and my social security number. And Navient never validated this information belong to me. I recall in XXXX  these loans were ( 4 ) loans brought up in court case and was dropped. And was told by lawyer the information was insufficient. This would be " double jeopardy ''. I am requesting that this information be deleted from my credit file with XXXX. And collection attempts with Navient be stopped immediately. I dispute the accuracy, compliance and reportability of this information on my file.
Consumer complaint received 2023-10-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zenith Financial Network Inc (TX)

Zenith Debt Collectors is engaging in harassments. i have had my current phone number since around XXXX since then i have gotten the occasional collector for the old owner but in the last few weeks Zenith has ramped this effort into almost multiple calls daily. I have explained this to them before and im still on the list somehow. i just want them to stop calling me. and its the same automated message each time so i know its them.
Consumer complaint received 2023-12-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CT)

In response to LVNV FUNDING with account # XXXX, I have recently submitted a complaint about LVNV FUNDING using my information under false pretense. 
In the company response they sent two XXXX XXXX transaction records, after a review of the XXXX XXXX transaction records I found two different addresses non of which match my GOVERNMENT ISSUED ID. I am asking LVNV FUNDING to review those two addresses and match them with my GOVERNMENT issued ID.
Consumer complaint received 2023-04-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TMX Finance LLC (GA)

Spoke with a representative twice yesterday, made a higher loan payment to keep my vehicle from being repossessed and they still repossessed my vehicle. The higher fees and taxes I would like to be reimbursed for especially after already speaking to a corporate rep who assured me that if I made the additional payment, my vehicle would no longer be at risk.
Consumer complaint received 2022-12-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MD)

On XX/XX/XXXX between XXXX XXXX and XXXX XXXX I closed, cancelled, paid in full my XXXX XXXX plan. My wife and I got married in XX/XX/XXXX and instead of having XXXX separate cell phone carriers I decided to close and cancel my service with XXXX XXXX that I had been with for over 15 years. Before I could transfer my phone and phone number to XXXX I had to cancel and close my XXXX XXXX. I called XXXX XXXX customer support while standing in the XXXX wireless store. While on the phone with the customer service associate I explained the situation and what I was going to do. The customer service associate stated we are sorry to see a loyal customer go but we understand your situation. I kindly described to the associate that I was ready and willing to pay any and all debts on my account that evening prior to cancelling my XXXX XXXX service. On a recorded line I was reassured my account was in good standing and was financial current. I expressed my concern that I did not want any surprises in the future and to please carefully review my account once more to make sure I did not owe any money on installment plans or devices. Once again on a recorded line I was assured my account was paid in full and that I owed XXXX money. I stated again on the recorded line Are you sure and yet again I was reassured about my account. I proceeded to close my account while at the XXXX wireless store. From that point I transferred all my contacts and info to XXXX. A few months later I received contact from collection agencies stating I owed {$650.00} to XXXX XXXX. XXXX XXXX had not tried to contact me or reach me at all to discuss this matter. Since then I have been in collections and it is extremely disrespectful to me as the consumer to be dealing with this issue. I have been wrongfully charged for XXXX XXXX problems and It is impacting me negatively on my credit score. Southwest Credit collection is the current collection company that has the bogus contract. 
Furthermore, I have a previous complaint on file that was submitted to CFPB on XX/XX/XXXX # XXXX to reference the previous debt collectors responses to this bogus charge which was dropped. 
XXXX XXXX needs to be held accountable for their horrible customers service and get off my back for a debt I settled with them when I closed my account
Consumer complaint received 2022-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (TX)

My complaint is with PAYPAL. Ive used PayPal for quite some time. So last year ( XXXX ) I filed my taxes for the year XXXX. I used the routing and account number on my PayPal for direct deposit. On XXXX XXXX XXXX XXXX  XXXX the IRS direct deposited my tax refund into the routing and account number issued to me by PayPal. So the XXXX comes and goes and then the XXXX and so on and so on. I spent HOURS on the phone day after day for aver a week. PayPal tells me they dont see the deposit. After I called several times a day for days I conyact the IRS. They verify the routing and account number and they are correct but the lady says this is a XXXX XXXX account number you gave me. I tell her I do not have a XXXX XXXX account. So she gives me the number to XXXX XXXX and I call XXXX XXXX and XXXX XXXX tells me that the money is there. XXXX XXXX give me a transaction ID in a trace number for XXXX XXXX to give to PayPal so they can locate the money. I call PayPal back PayPal says XXXX XXXX is not allowed to give me that information I said well they did they said they can't verify the money 's there I said they did two managers XXXX anybody activity at the highest chain and they said because they had already done three traces and didn't find the money that was all they could do. I said no the money was put in the routing and account number that you guys are assigned to me and I would like my money. Went out PayPal has revoked my account I can't even contact customer service I can't get in my PayPal account they have changed my account number to my PayPal and I still have not got no money. The refund amount is {$1100.00} just sitting there that I have no way to retrieve. I called the IRS bag they said that they did their own Trace but by law they have to give them 90 days to respond that was as of XX/XX/XXXX. So I call XXXX XXXX bank and ask XXXX XXXX can I just go to a XXXX XXXX and get my money out and they said no because this account is owned by PayPal. So now I'm stuck with no ways to get my last year 's income tax and I'm I'm frusterated and I don't know what to do.
Consumer complaint received 2018-08-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo issued a Personal Line of Credit years ago and subsequently violated federal banking laws, mortgage laws and and foreclosure laws. They have been identified as having opened accounts without customer awareness or permission, and have knowingly violated federal banking laws. 

This makes them a business that violates the AML and Patriot Act and as a result, I refuse to make any payments to them. I am in a business where such transactions are prohibited, and it is through their own fault that they are now an organization in violation of AML/Money Laundering and the USA Patriot Act. 

The account number is XXXX. 

They are claiming that an amount is owed of {$3800.00}. They have offered to accept a settlement of {$1500.00}, but that would damage my credit rating, which has already been damaged from illegal actions taken by financial institutions. That would also require me to pay taxes on the amount forgiven. 

I am seeking a total elimination of the debt PLUS an amount equal to the tax liability PLUS the damages for the damaged credit score that I have incurred from this criminal financial institution that has violated state and federal laws. 

I am seeking a full release from the {$3800.00} amount for the account PLUS {$1000.00} for tax liability PLUS {$500000.00} for damages and the higher cost of credit that I need to pay as a result of their criminal activity which forces me to either violate the AML/Patriot Act and make payments to a criminal financial institution or have a damaged credit score.
Consumer complaint received 2024-06-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX Last 4 SSN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX Subject : Dispute of Inaccurate Collection Account Information Dear XXXX XXXX XXXX XXXX I am writing to formally dispute inaccurate information that is listed on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), Section 611, I am entitled to dispute any information on my credit report that I believe to be inaccurate or incomplete. 

The specific item I am disputing is as follows : - **Account Name/Number** : XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXXType of Discrepancy** : Inaccurate Collection Account I have reviewed my credit report and have found that the above-referenced collection account is inaccurate. The details of my dispute are as follows : - [ Explain the reason for the dispute ; for example, this account does not belong to you, it was paid in full, it was never late, etc. 

In accordance with the FCRA, I request that you conduct an investigation into this matter and remove or correct the inaccurate information from my credit report. Please provide me with the results of your investigation within 30 days of receipt of this letter. 

Additionally, I request that you notify the creditor/collection agency of my dispute and ensure that they cease reporting this inaccurate information. Under the FCRA, any information reported must be accurate and verifiable. 

Please find my personal information below for your reference : - **Full Name** : XXXX XXXX - **Date of Birth** : XX/XX/XXXX - **Social Security Number** : XXXXXXXX XXXX **Address** XXXX XXXX XXXX XXXX  Thank you for your prompt attention to this matter. I expect a confirmation from you once the correction has been made. If you require any additional information, please contact me at the phone number or email address listed above. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Certegy Holdings, LLC (MN)

On XX/XX/2023 we presented a check for payment of {$5700.00} at XXXX for carpet and future installation. Certegy Payment Solutions, LC advised XXXX to deny the check. Their reason was a " XXXX XXXX '' - No prior unpaid check information ( for my accounts ) but Certegy had insufficient information on me to approve the transaction. I told the XXXX manager that that was immaterial because the check would clear long before the goods would be ordered or installed. I was compelled to return to my home in another city to get cash and return to the store before close ( or forfeit a {$500.00} rebate promotion that ended that day ). Certegy provided contact information on the cash register printout that denied my check. To contact them online or by phone, they asked me to have certain personal information available including my Social Security Number. They provided an address for mail contact which I chose. My letter was returned on XX/XX/2023 marked : Return to Sender, Attempted- Not Known, Unable to Forward. I checked the address against the information they provided to verify that it was correct. I have also contacted XXXX XXXX XXXX contact portal and a representative promised to forward the details of my complaint to the appropriate parties. I have retained copies of all the comunications.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is a problem with TransUnion, the word of all three. 
I never have problems logging into XXXX or XXXX. But TransUnion iss FOREVER a problem. I keep my password safe, yet, if I got to check like I did today, I can not log in. 

I don't know why, it just says invalid password. That is XXXX. I did not change anything. I know when I change my passwords because I date them and for these C reports I keep them together same place no one has access. 

But TransUnion seems like it is trying to extort people into paying for the paid XXXX XXXX. I NEVER has XXXX 's score, you ALWAY have to pay for the score, which I don't do but once a year, and then you have to re-set the password. Of course. Today i put in my SS number to reset like i have before but of course the inept TU did not recognize my password. Over and over and over and I got a live person on the chat, but XXXX could not figure it out either. I was on the right site. I was on the right page. This company just needs to go. It does nothing constructive just shakes people down for money. 
XXXX also makes the site confusing the URL so they can be confusing to people who probably end up paying for a membership.
Consumer complaint received 2023-12-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (NC)

My mortgage was transferred to Roundpoint one year ago. Property taxes were due on XXXX. On XX/XX/XXXX, I received a mailed notice that the taxes had not been paid and will become delinquent on XXXX. I immediately contacted Roundpoint via email per instructions from their website and included a copy of the bill. 

I received an automated response that my message had been received, but I have not received any further communication since XX/XX/XXXX ( today is XX/XX/16. ) I have reached out several additional times and have not received anything other than automated responses. 

I am concerned that action will not be taken before the taxes become delinquent in less than XXXX weeks, or that I will not have sufficient time to take any further action I need to take ( if any ) once they respond.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I looked up the Fair Credit Reporting Act and In accordance with the Fair Credit Reporting Act, The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Section 602 A XXXX XXXX XXXXXX/XX/2024 & XXXX XXXX. These Companies Violated my rights because I didn't give written access for them to obtain my credit report. 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.I would like to have these 2 XXXX XXXX HARD INQUIRES removed from my credit report immediately.
Consumer complaint received 2023-12-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (NY)

I submitted a billing dispute for a charge on my statement that was not authorized. Billing dispute was closed and I was provided only a copy of an online receipt with the last XXXX digits of my card number. No other information was provided that supported the closure of the investigation or denial of my claim. I did not authorize this charge.
Consumer complaint received 2023-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

This is the third time I am submitting a complaint. After this I will be looking into legal action for discrimination. My phone carrier is not supported by Citi bank and they are refusing to let me access my funds unless I change my phone carrier. This illegal discrimination against low income families and customers is unacceptable and I will be seeking compensation and relief for this constant harassment.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SD)

Equifax or the creditor XXXX are reporting two late payments on an account that closed 2 years prior. This is causing my loan lender to potentially deny my home purchase that was to be completed in 45 days. 

XXXX advised they havent reported since the closed date XX/XX/2022 and Equifax is advising they dont know how it happened or that it isnt on them and they wont fix the issue before my lender needs it fixed by.