davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NM)

From XXXX to XXXX, I was entangled in a phishing scam. The scammers obtained access to my savings account, and I lost a total of {$48000.00}. I reported the incident to reportfraud.ftc.cov. to my local police department, to all the credit bureaus ( XXXX, etc. ) to my state attorney general 's office, and to the FBI Internet Crime Complaint Center. I contacted the Wells Fargo Fraud Claims Department on Sunday, XX/XX/XXXX and filed a report. I was told the report could take up to ten days to complete. I called Wells Fargo on Thursday, XX/XX/XXXX to submit additional information. Later that week, I received a letter from the Online Fraud Claims department. They refunded me a total of {$2200.00}. They claimed the reminder could not be recovered, because either there were not enough funds in the account, or the account had been closed. I do not understand why a paycheck for {$3000.00} was not refunded, because I didn't see where that was related to the withdrawals. I also thought I would receive reimbursement for {$4000.00} paid on my debit card, because of Wells Fargo having a " XXXX liability '' policy on debit card losses. The fine print on the Wells Fargo home page did not discuss scams in any form, so I called Wells Fargo on Thursday, XX/XX/XXXX to clarify, and was told money lost through scams was not covered by the " XXXX liability '' policy. I think it is false advertising to say that a company has a " XXXX liability '' policy if there are exceptions to the policy. In this article published in XX/XX/2023, a Wells Fargo representative stated that " When we learn of fraudulent activity, we take action and work to ensure there's no harm to the consumer. '' https : XXXX I don't think that statement is consistent in my situation, since clearly I have suffered significant harm.
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BMO Bank, N.A. (FL)

I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard Inquiry Name Here Delete this unconfirmed inquiry lacking certifia evidence unless physically certified verified proct is demonstrated per U.S CODE 15 U.S.C. 
1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes.
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (FL)

I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard Inquiry Name Here Delete this unconfirmed inquiry lacking certifia evidence unless physically certified verified proct is demonstrated per U.S CODE 15 U.S.C. 
1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes.
Consumer complaint received 2023-10-15
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. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 2023-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (FL)

As of the statement on my Amex Blue Cash Preferred ending on XX/XX/2023, there was a statement balance of - {$28.00}. As of XX/XX/2023, American Express has failed to refund me my money. This is theft.
Consumer complaint received 2023-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

What is happening that a family member got all my information from my house and from my XXXX XXXX years ago she opened accounts on different branches that's the way she link to my account I reported to the police more the once but still not solve the problem she make transaction and withdrawals in my account even if I move to another bank she will do the same thing over and over I'm tired of this situation at first I talked to her about it and she totally denied and continues doing it.
Consumer complaint received 2018-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Transunion sent this letter dated XXXX XX/XX/2018 in response to the attached document by me stating THIS IS NOT A DISPUTE. I requested Transunion to provide, BY CERTIFIED MAIL, signed XXXX XX/XX/2018 the individuals contacted from XXXX XXXX   and the information that XXXX XXXX  is providing Transunion enabling Transunion to continue to verify this inaccurate credit card charge off on my credit report. This proves Transunion doesnt read the information provided on this portal. Transunion collects and submit through XXXX. This document was mailed two months ago to Transunion. No reply from Transunion no requested documents only unrequested reinvestigations. TRANSUNION IF YOU READ THESE COMPLAINTS PLEASE RESPOND TO THE ATTACHMENT SENT TO YOU OVER TWO MONTHS AGO and send the requested information.
Consumer complaint received 2023-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (MA)

I was recently robbed of my phone which led to multiple unauthorized charges on many of our accounts. I use this XXXX credit card to pay my rent and due to all my accounts being locked, I was trying to use the XXXX card. I wanted to make a minimum payment that would allow me to stay current on my account. I used a separate checking account that would allow me to pay my balance on the card. I used the credit card 's automated system to connect my checking account to my credit card. I reported the fraud on my XXXX card and I asked for a replacement card and made my minimum payment. I am unsure of what happened next and the next time I called the credit card company, they said my account had been closed and offered no explanation. The letter I received provided no further explanation. I can't see the balance on my account or anything like that. I am attaching a police report that provides the timeline of these events.
Consumer complaint received 2023-10-15
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I filed a dispute against Walmart for a large purchase because it was delivered to my neighbors house. They rejected this and claimed I violated their return policy and can no longer make online purchases. However, even though trying to reason with them and explain the situation, they didnt fix it. And they prevented me and other relatives who live with me from ordering online through their services. This is unfair, especially since Ive been a customer with them for more than 6 years and I have a card I can only use with them.
Consumer complaint received 2023-07-07
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: Resurgent Capital Services L.P. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are accounts, dates, and amounts that I do not recognize, nor am I responsible for, nor have I received any money or goods from the creation of these unknown accounts. I AM A VICTIM OF IDENTITY THEFT!!!
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OR)

All debts are not mine, negative reports and delinquency is proving to have adverse effects on acquiring financing. These people, delete these erroneous findings please for heaven sake. I deserve a better quality of life and for this to happen these fake ridiculous accounts should be looked into so they can be removed at once!
Consumer complaint received 2023-10-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NE)

In XXXX I consolidated my federal loan per new guidelines for PSLF ( public service loan forgiveness ). My main account was with Nelnet. A partial balance was then transferred to XXXX XXXX and then later the entire consolidation to XXXX. I have been trying to request refund on payments I made since XX/XX/XXXX under the CARES ACT. I have contacted all servicers- Nelnet, XXXX XXXX and XXXX. All servicers have stated they can not refund payments made before the consolidation since it was under a different servicer. I have continued to have the same response and have asked to get this escalated or file a complaint and no action has been taken. 
The payments I made from XXXX all end up going to the Department of Education which does not matter the servicer, therefore those amounts ( which are thousands of dollars ) should be refunded as during the Covid pandemic it was later decided that you could ask for refunds on payments made during this timeframe. Because now my loans are considered a new consolidation ( which was recommended I do to qualify for PSLF ) no servicer wants to handle my claim.
Consumer complaint received 2023-10-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc. (CA)

Every month the balances goes up by a small dollar amount which lowers my credit score! it is fraudulent and should be deleted from my account for fraudulent activity. Maliciously and harmfully raising a past due collection amount to continue to inflict personal harm against me.
Consumer complaint received 2020-04-08
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Group, Inc. (MN) (IL)

The payday loan debt was sold to RMG Systems, XXXX, XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX,. RMG fraudulently reported to XXXX  credit reporting agency that the debt was for a revolving credit account and had the account added to my credit file. The debt was for a payday loan. I contacted RMG and was told they can not remove the information. I would like to know what can be done to a business that fraudulently labels accounts to have them added to consumer credit reports.
Consumer complaint received 2018-05-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (GA)

On XX/XX/XXXX - My XXXX XXXX XXXX that was financed by Santander Consumer was repossessed by XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX - I contacted Santander and located XXXX XXXX XXXX XXXX who I paid {$65.00} to receive my belongings from the vehicle and turned in the third row seat for the XXXX that was located in my garage with the key. ( Encl 5 ) I received a notice from Santander with Sent Via Certified Mail located typed on the document dated XX/XX/XXXX of the intent to Sell Property ( Encl 4 ) I received an Explanatio of Calculation of Surplus or Deficiency dated XX/XX/XXXX from Santander Consumer ( Encl 7 ) On XX/XX/XXXX, I sent via Certified Mail # XXXX, a letter to Santander Consumer, that was received on XX/XX/XXXX ( Encl 1 ). A letter was also sent to XXXX XXXX XXXX via certified mail on XX/XX/XXXX, that was received on XX/XX/XXXX, ( Encl 2 ) requesting that they provide to me a copy of the Certified receipt for the " Right to Recover '' that was sent to me. 

The response from Santander dated XX/XX/XXXX, was received, however, a copy of the certified receipt was not attached. They only provided copies of the documents aforementioned as Encls 4 and 7. ( Encl 3 ) The responses received from XXXX XXXX XXXX are dated XX/XX/XXXX, which states that they were unable to substantiate the allegations in my dispute and if I had additional information or documentation please mail to them. ( Encl 6 ) An additional letter dated XX/XX/XXXX with 81 sheets of paper attached which includes all of the documents from the processing of the loan for the XXXX XXXX. The only pertinent documents in the paperwork are the aforementioned Encls 4 and 7. ( Encl 8 ) Santander Consumer failed to send me a certified copy or statutory overnight delivery per Georgia Code Title 10, Chapter 1, Article 2, XXXX Disposition of motor vehicle repossessed after default ; right to recover deficiency. I send a letter to Santander and the Collection Agency XXXX XXXX XXXX requesting this documentation, but neither were able to provide proper documents. Santander Consumer did create a letter with 'SENT VIA CERTIFIED MAIL '' in bold letters under the inside address, but this does not rise to level of documentation required by the Georgia Code mentioned above. The requirement is clearly set forth that the lender must send a certified " Right to Recover '' notice within 10 days of repossession. I asked for a copy of the signed and dated Notice of Assignment from Santander Consumer which they not their agent was able to provide.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-10-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (CA)

Sometime in late XX/XX/2023, I received letters from Aidvantage telling me my autopay would still work and that my new monthly payment would be {$420.00}. The issue I had was that my minimum payment was {$320.00}. 

On XX/XX/2023 I waited on hold for an hour before reaching a customer service rep. I told him the situation and he told me there was nothing he could do on his end and the best bet would be to cancel the auto pay, and redo it and hope that would fix the amount paid to the amount owed without the overpay. I asked him specifically if there was enough time between XX/XX/2023 and XX/XX/2023 the day my first loan was due. He assured me it would be fine. So I cancelled the autopay, and resubmitted the autopay ( Emails attached showing this was done ). 

Today on XX/XX/2023 I log in to see that I've missed a payment, that my autopay did nothing, and now when I try to autopay it has the amount due as {$420.00} not XXXX.
Consumer complaint received 2022-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My credit score has dropped over 200 points because my credit card utilization rate is 79 %. My I've serviced all of my debt without missing any payments and my score does not reflect this fact. I also have no derogatory marks. I can't refinance my credit card debt with a lower rate personal loan because of my current credit score.
Consumer complaint received 2023-10-15
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. (OH)

Date of First Delinquency : XX/XX/2019 I did not open or authorize this account, nor do I have any knowledge of the transactions associated with it. This fraudulent account is negatively affecting my credit score and my financial well-being. In accordance with 15 USC 1681i, I am requesting that you conduct a thorough investigation into this matter and take the following actions : 1. Verify the accuracy of the account information. 2. Determine the origin of this fraudulent account, including how it was opened and by whom. 3. Remove this fraudulent account from my credit report as it is not a legitimate account associated with me. I am including with this letter copies of documents that support my identity, such as a driver 's license or passport, as well as any other evidence that I believe is relevant to this dispute. Please note that I have also filed a report of identity theft with my local law enforcement agency, a copy of which is enclosed for your reference. Sincerely, XXXX XXXX
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OR)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2023-10-15
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. (VA)

I legally asked Transunion Credit Bureau to refrain from allowing exploitation & internal employee obstruction of my personal credit report access for 3months I asked the Speciality handling department to handle an investigation into why the screen stalls when attempting access to submit Disputes online. It is my personal right to correct and request deletion of items that aren't mine & they keep ignoring my emails & callas like I won't put them on the news pur contact the Government regarding sabotage of my personal financial security. They have no ADA Compliance for phone & Relay support & I have asked for Directors & media staff to seek out a resolution before XXXX. Now they saying they can delete my account & create a new one but that isn't the solution for the issue. The resistance to reactivate my access leave my account alone from XXXX XXXX XXXX always trying to block & keep celebrities from their own profile access. This is Compliance fraud & I don't want my Dispute done XXXX XXXX XXXX representatives who are XXXX XXXX  relatable & never want to transfer to executives in XXXX XXXX XXXX.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

Hello I was told by Trans Union the accounts and Fraudulent inquiries can not be removed from my credit file. I been fighting this matter quite awhile now and no resolution so I took this next step to get this matter resolved. Thank you XXXX XXXX
Consumer complaint received 2023-10-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Levy & Associates, LLC (OH)

I did research and found inaccuracies on my credit report In Accordance with Fair Credit Reporting act XXXX XXXX XXXX and Levy & Associates both have violated my rights. 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 which neither of them did.
Consumer complaint received 2023-10-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

I don't have an account # XXXX with XXXX XXXX. If so, what's the phone number? This company has an address in XXXX and telling me to send payment in Michigan? This company is a scam. Company not even a registered entity for debt collections. CREDENCE RESOURCE MANAGEMENT , LLC XXXX XXXX XXXX XXXX, MI XXXX other address is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX