davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-09
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. (TX)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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
Consumer complaint received 2024-01-09
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/XXXX I called to see if my payment was received. Comenity bank advised they didnt receive the payment. When I found this out I then paid off my account with the representative on the phone. The representative advised me to place a stop payment since the payment was lost. I received a bill in the mail for {$30.00} in XXXX. I called Comenity customer service on XX/XX/XXXX I spoke to supervisor XXXX. She advised me that a check was received on XX/XX/XXXX and was attempted to be cashed the same check Comenity advised me to place a stop payment on. I asked if they can waive the fee since it was their customer service that advised me to place a stop payment and my account was paid in full and on time for the duration of my account. She said she will not be able to waive the fee. This doesnt seem fair to me as a customer and I dont appreciate that I have to pay for their faults.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (CA)

Location XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XX/XX/2023 This information is incorrect and should not be on my credit report. I am asking for it to be removed immediately, as it is incorrect and a violation of the FCRA fair credit act. I have not done business with this company, nor have I any open or closed accounts with them.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

Inaccurate information on my consumer report after being a victim of identity theft. I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ), addresses, ssn #, phone numbers, bank accounts, inquiries, emails on my credit report The following accounts on my report are inaccurate and was opened fraudulently without my Consent or Knowledge. I would like for you to remove all this misinformation from my credit profile.
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: CITIBANK, N.A. (VA)

On a recent trip to XXXX with my family, on checking my credit card transactions, I saw a {$610.00} ( XX/XX/XXXX ) charge on my account. I wanted to reach out to the bank and report it, but since it was still processing I could not dispute it. I put an alert to notify me when the transaction posts after which I ended up filing a claim on XX/XX/XXXX. After a few days, the bank requested that I provide details about the transaction and I explained the other charges on my card. A few days later when I logged back into my account, the dispute said it was resolved and that the Customer was responsible for the charge. I tried calling the dispute center to understand what was going on. The executive I spoke to said she will reopen the claim. Not hearing anything from them and no status change made me call them again to find out about the card. On XX/XX/XXXX when I called the fraud center of Citibank, they said the card has a chip and there is no way to clone it. Since the transaction was done using a chip they said either me or someone whom I gave the card to may have done the transaction. The only time I remember the card being with someone else was with a gas station clerk and the other being my card/wallet left in the car accidentally and the car parked by valet. I asked the Citibank staff to provide me any details about the transaction and they said the name of the merchant that I saw on my card is all that they have. I am unsure what their investigation led to that makes me responsible for this charge. There were other valid charges done around the time and I only had concerns with this one charge. I feel that the bank is not providing me with sufficient info. I said I am happy to cooperate with the investigation and would be willing to provide any details they needed. I can also testify this on oath and am happy to face the consequences if I am at fault.
Consumer complaint received 2024-01-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MD)

I deposited a check from Md prepaid XXXX that was made out to my daughter. When I called prepaid plan to have a check distributed for her freshman semester they said that since I had moved I could wait the 30 days for them to update my address or mail the check in my daughters name right away. When it was received, she signed it and I then deposited it into my Citizens Access online account in XX/XX/XXXX. They cashed the check 11 days later. 
It wasn't until XXXX that I realized that the check had a stop payment which wouldn't be cleared until XXXX of XXXX. I also wasn't able to transfer funds out of the account. When I called citizens they said that it was because the check was made out to XXXX and that I would need to add her as a joint account owner, then it would be unfrozen and I wouldn't be able to use the account but could them close it. 
It was a XXXX who I spoke with who was supposed to call me back XXXX days later to see if there was anything else that I could do. I never received a call back but when I called again there was a message that the XXXX had put in saying there was nothing else to do but add her as a joint account holder. 
I attempted to do this on XX/XX/XXXX but got a message that I couldn't. I called access on XX/XX/XXXX and was told that it could be a false positive, something about her social? XXXX affiliated with the treasury department. I called again on XX/XX/XXXX and was told that I needed to have my daughter call. She did but they said they couldn't do anything because she has no credit!?! Why would an XXXX XXXX XXXX need credit or anyone to be a joint savings account holder. I called again on XX/XX/XXXX and was told that the XXXX gave me incorrect information and that they'd look into the situation. XXXX XXXX is person told me that I might have to call MD prepaid to have them request the check back. 
I called access again today XX/XX/XXXX to be told that this is being looked into to. I called MD prepaid prior to this and was told that they can't request the check back since it was deposited XX/XX/XXXX and cashed 11 days later. I am anxiously awaiting a resolution to this as the bank has unfairly frozen my account and I fear they will steal my money! I haven't hired a lawyer yet but if this isn't resolved in XXXX days, that will be my next step. I hope you can help as this is absurd. Thank you.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NPAS, Inc. (FL)

I visited the hospital in XXXXXXXX XXXX  in XXXX. The XXXX  paid this bill. I got another call today, XX/XX/24, from NPAS XXXX at XXXX. This call was a robocall with an XXXX  voice on the other end.
Consumer complaint received 2018-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BB&T CORPORATION (FL)

My available funds said I could transfer {$87.00}, so I did & my balance was XXXX after that. 2 days later, I have a {$36.00} overdraft fee and was told that I didn't have {$87.00} to transfer, that I only had {$80.00} so I overdrafted. Why would it let me transfer money that they say I didnt have? This is the second time this has happened, the first time they charged me 2 bounce fees. I am owed {$100.00} for fraudulent fees. I have gone as high up as the corporate office and they refuse to do anything. BB & T XXXX XXXX, XXXX, FL.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advanced Resolution Services Inc. (AZ)

Advance Resolution Services Furthermore, as you can see from the information above, your agency is not reporting accurate information. 
According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 
You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( 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 instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; 1 Permissible purpose {$1000.00} 2 Defamation of character {$1000.00} 3 Damaged reputation {$1000.00} 4 Damaged credit worthiness {$1000.00} 5 Damaged mode of living {$1000.00} 6 Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems.
Consumer complaint received 2024-01-08
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Metro Collection Service Inc. (CO)

I have had the company already file for a garnishment in XX/XX/2023. Taking {$920.00} that was 80 % of my wages leaving the remaining balance of {$1000.00} starting balance was XXXX after the interest the beginning balance from the property is XXXX we the company and the owner fixed the percentages they stopped collecting the money via garnishment now there is a new court files same company different resident address different complex to file a new garnishment now the new garnishment is for {$2100.00} they told me that there will be an 18.4 % interest every day witch is not right I have called for three years to clear this balance and the employees are the XXXX rude people I ever had to deal with the man told me I was pathetic and needed to look in the mirror he was going to take all my money they keep adding money to the collection t
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Eagle Financial Services, Inc. (OH)

I orginally filed a complaint with XXXX XXXX XXXX that has been resolved and close but they have not comply with the resolution complaint number XXXX submitted on XX/XX/2018 resolution XX/XX/2018. XXXX XXXX XXXX failed to delete information off credit report as of XX/XX/2018 viewing recent credit report information still remain.
Consumer complaint received 2024-05-15
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Healthcare Finance Direct LLC. (LA)

I signed a contract with XXXX XXXX XXXX on XX/XX/year>. Payments were to be managed through Healthcare Finance Direct. The payment plan was to include the aligners themselves, which I received, but also online services and consultations that are no longer available to me. The company completely ceased operations in the middle of my treatment plan and offered no means of communication or any kind of resolution. My treatment plan was set to end in late XXXX of this year. I did not complete my treatment plan at the time the company ceased operations, and thus did not receive the services paid for. Healthcare Finance Direct claims that I need to continue making payments for these services even though the contract that was signed was broken by the company when they discontinued their services.
Consumer complaint received 2024-05-15
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: HYUNDAI CAPITAL AMERICA (GA)

As per our agreement, I will be making a payment of the amount owed and settling the outstanding balance on this account. In return, HYUNDAI FINANCE agrees to remove all negative information related to this account from my credit report with all three major credit bureaus ( XXXX, XXXX, and XXXX ) within 30 days of receiving the payment.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: HYUNDAI CAPITAL AMERICA (CA)

Location HYUNDAI MOTOR FINANCE CO XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XX/XX/2023 This information is incorrect and should not be on my credit report. I am asking for it to be removed immediately, as it is incorrect and a violation of the FCRA fair credit act. I have not done business with this company, nor have I any open or closed accounts with them.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (NC)

There is information on my consumer report that is absolutely incorrect, and I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. The information listed below is being reported on my consumer reports after several communications with the original creditor and after the party from which this debt was purchased. This third-party debt collector, LVNV Funding LLC has no permission to document information related to any transaction by me as the consumer :
Consumer complaint received 2024-05-15
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc. (CA)

On XX/XX/XXXX, I purchased {$50.00} Google XXXX gift card from XXXX. 
On XX/XX/XXXX, I tried to redeem the Google XXXX gift card on Google XXXX but keep getting Couldn't redeem this code. This code can only be used in United States. See Gift Card terms of service. 
On XX/XX/XXXX. Try to contact Google support but couldn't help. 

XXXX  Order # : XXXX Google XXXX  Redeem Code : XXXX XXXX XXXX XXXX Google XXXX  Serial number : XXXX
Consumer complaint received 2024-01-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

I closed two of my PayPal accounts last year. I closed the first account, which was a normal PayPal balance account, in XXXX XXXX XXXX I closed the second account, which was a PayPal business account, in XXXX of XXXX. I expected to be able to either access my final statement online through the PayPal website, or to be sent a paper statement through the mail. After I had closed my accounts, I could no longer access the website, which was fine. However, I never received a final mailed statement for either of these accounts. I attempted to contact PayPal on XX/XX/XXXX to see if I could have them either mail or email my final statements for these accounts. The representative XXXX XXXX XXXX from PayPal stated that I could no longer access these statements as my accounts had been closed. XXXX also stated that no one at PayPal could access my past statements as when I closed my account it was " good as deleted in our system. '' I am unsure why PayPal as being told this, as generally financial institutions are supposed to keep records for 5-7 years for tax purposes? I could be mistaken but it seems odd that PayPal would wipe someone's financial history because they've closed their account. I would like my last statements from these two accounts as there was no way for me to access them prior to my account closing, as PayPal doesn't generate statements until the following month.
Consumer complaint received 2024-05-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (FL)

My mortgage payment increased more than {$300.00} a month in XX/XX/year>. I have tried to contact MR COOPER for an explanation of this to no avail. Their phone tree actively frustrates connection to a live agent.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (NY)

I have a good credit score and a good history and every time i try to apply for a card they deny me and they even say they dont know why is that cuz i have everything in good standing
Consumer complaint received 2024-01-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westlake Services, LLC (TX)

I opened an account with Westlake portfolio on behalf of byte and was advised to put my payments on auto pay to avoid being late. I did this and was charged twice without my permission for two payments in the amount of {$79.00} XX/XX/XXXX and on XX/XX/XXXX and again on XX/XX/XXXX and XX/XX/XXXX. 
Per my contract I am setup for monthly payments. 
I called every single day from XX/XX/XXXX - XX/XX/XXXX in regard to resolving this mishap that took place on behalf of Westlake Portfolio. I have spoken to over 25 agents ; some have told me that the two payments were sent back to me on a debit card however that was XXXX  weeks ago, and I still have not received it. I disputed the charge through my bank and now I am getting threatening messages that My credit will be affected and i am XXXX days past due and this is NOT true. I have called and requested that a supervisor contact me to get a resolution and have yet been contacted or the agent will hang up on me. I am demanding that someone reach out to me. Figure out how to correct this account going forward and I will resume payments. If my credit is in anyway compromised I will follow up with legal action.
Consumer complaint received 2024-01-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (MA)

This company is trying to collect a debt that was NOT validated upon request by Citibank. 
Citibank then sold the " uncollectable '' debt to this collector. By virtue of laws and statutes, the failed validation by Citibank carries for the debt itself, and is DOES NOT become collectable because is was sold or purchased by a third party debt collector. The debt is still uncollectable, may not be reported, and is no longer subject to litigation by Federal laws. This company has been noticed and given XXXX hours to remove any and all derogatory information from reported trade lines. failure to do so will lead to litigation by myself, the claimant, against the collector and Citibank. 

Under the guidelines and Federal laws supporting validation of debts, and the companies failure to meet the standards, I demand the derogatory information be removed with prejudice.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (GA)

A check was issued by our insurance company ( XXXX ) to us ( XXXX and XXXX XXXX XXXX and a Contract company ( XXXX XXXX XXXX ) on XX/XX/XXXX. The contract company deposited the check on XX/XX/XXXX without our signatures and without doing any work. The check was deposited electronically. The check amount was for {$29000.00}. We were unaware that a check was issued until XX/XX/XXXX after complaining that no work had been done by the contractor. XXXX obtained a copy of the cashed check in XX/XX/XXXX. The check showed a deposit stamp and a signature of a member of XXXXXXXX XXXX 
On XX/XX/XXXX we went to Truist Bank to have the check funds revered and sent back to XXXX and to file a fraud compliant. The Bank representative seemed to not know the procedure so she called corporate for help. The person at corporate also did not know the policy and procedure and how to assist us. To date the issue remains unresolved
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (UT)

Purchased a vehicle from carhop. The vehicle never ran broke down the day I purchased I have been paying they keep telling me Im late for on the vehicle, but I have been paying now they seem to not be answering the phone and will not help me