davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-05
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: WELLS FARGO & COMPANY (MN)

I booked a flight and purchased flight insurance. Then within a few hours I canceled the flight as my girlfriend couldn't come the dates I picked. The company that claims to supply flight insurance charged me anyway even though the policy is a full refund if tickets are canceled for any reason within 24 hours. We three way called the insurance company with myself and Wells Fargo Bank. The insurance company couldn't even find me or my information in their computer system. Within having proof of the transaction they charged my card. The bank knows this and knows the charge is fraudulent but instead of reimbursing me they let the charge stick claiming they need to let Visa services review it. I am out my money as Wells Fargo isn't honoring their fraud protection policy. They run me around instead of refunding me when they found out the charges weren't legitimate.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (PA)

Exeter finance got all the wrong last payment dates, they sold the account, they are reporting inaccurate information time and time again. Exeter finance modified this situation 6 times and its still inaccurate now its time they delete this account. I have sent numerous of letters out to this company and they still reporting inaccurate information.
Consumer complaint received 2023-06-21
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/2023 I attempted to deposit a check for {$600.00} from a scholarship I received from the XXXX XXXX XXXX XXXX XXXX into my Capital One savings account. XX/XX/2023 I tried to make a purchase using the debit card linked to my checking account, but it was declined. I opened my Capital One app to see if I had enough funds, and I did, but there was a message on both my checking and savings accounts that my funds are currently not available for withdrawal followed by a number to call. I called the number, and after waiting for over 10 minutes, tried to explain my situation to the operator. She told me that unless she could verify the transaction with the scholarship foundation, my accounts would remain closed. She attempted to contact the foundation with no success. After this, I asked what was needed to unfreeze my account, to which she replied that the only way she would be able to unfreeze it is if I was able to contact the foundation myself. I asked if in the meantime I could be mailed a check with the remaining balances in my accounts, and she asked why. I replied that I needed to have access to my money ( which was in my account before it was frozen ) and I cant access the funds while my account is frozen. She said that she would not be able to do this. The call lasted over 30 minutes between waiting for an operator and waiting for her to try to contact the foundation.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (NY)

I have sent in three dispute letters to AMEX and all three credit reporting agencies ( XXXX, XXXX, and XXXX dated XX/XX/23, XX/XX/23 and XX/XX/23. XXXX and XXXX have removed this account however XXXX alleges they verified it and will not remove it. 

This account is not my account nor am I an authorized user on this account. 
The account is reporting open ; for whom? Who is the account holder? Who is the authorized user? 
AMEX had violated my rights reporting an account that is not mine. They also did not respond to me in over 90 days which, is a FCRA violation for FCRA requires disputed item to be validated within 30 days or removed. 
Due to the delay in removing this erroneous account, it is causing me a hardship and has my credit score lower than it should be.
Consumer complaint received 2023-05-05
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: EQUIFAX, INC. (CA)

This is my third endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$780.00} U S DEPT OF ED/XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$120.00} XXXX XXXX  XXXX XXXX Balance : {$100.00} US DEPARTMENT OF EDU XXXX Balance : {$4000.00} US DEPARTMENT OF EDU XXXX Balance : {$3400.00} US DEPARTMENT OF EDU XXXX Balance : {$3700.00} US DEPARTMENT OF EDU XXXX Balance : {$2100.00} US DEPARTMENT OF EDU XXXX Balance : {$5300.00} U S DEPT OF EDXXXX XXXX Balance : {$2100.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2023-06-21
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

On XX/XX/2023, a bank check from XXXX XXXX in the amount {$15000.00} was sent by XXXX Overnight to Capital One to pay off my credit card account including interest. I HAVE DOCUMENTED RECEIPT OF THAT DELIVERY TO CAPITAL ONE at XXXX XXXX on XX/XX/XXXX in XXXX NC. The receiving employee has signed for that check. 
I began calling Capital One on XX/XX/XXXX to question why it was not yet applied to my account. They responded that they had " no record of that check '' although I sent them a copy of that signed receipt. 
They continued to charge me interest. 
After waiting 30 days, XXXX XXXX stopped payment of that check and issued a second check which WAS received and credited to my account. 
To this day, the interest has compounded and they have not acknowledged that indeed, they lost my first check at their facility, which I have proof of. 
Documentation was mailed to their dispute center and on XXXX, we received a letter stating that there was no error on the part of Capital One. Interest compounding continued.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (AL)

LexisNexis is reporting a bankruptcy on my credit report and they have put in a furnish date XXXX and XXXX XXXX which is false. 
I have attached a letter from the United States bankruptcy court XXXX XXXXXXXX XXXX XXXX  verifying and stating they dont furnish any information to over to any credit reporting agencies or provide any bankruptcy information to any credit agencies.

LexisNexis is falsely stating this information and sharing this false information with other credit agencies and yet to removed this false information from my credit report
Consumer complaint received 2024-02-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (IN)

I have been repeatedly contacted by HRRG regarding an alleged medical debt from XXXX XXXX XXXX XXXX XXXX. This particular debt was researched and resolved with both XXXX ( another medical debt collection agency ) as well as XXXX XXXX of Indiana, where it was determined that the bill falls under the No Surprises Act for medical billing. HRRG evidently took it upon themselves to acquire the collection anyway and is now calling my cell phone repeatedly, asking for personal information and using different numbers to reach me each time, as well as sending letters. There is NO DEBT to be collected and HRRG needs to stop contacting me.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

THE COMPANY DID NOT PROVIDE THE DEMANDED DOCUMENTS. I WAS ALSO SENT AN illegal FORM FROM THE SAID CREDIT AGENCY STATING THEY did not have to provide the verification documents showing that the furnishers did in fact provide and would be obligated to according to the F.C.R.A
Consumer complaint received 2023-06-21
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: HYUNDAI CAPITAL AMERICA (TX)

This is my complaint to XXXX XXXX XXXX for allowing the fraudulent account on my credit report. I filed an FTC report with the report number XXXX. As I checked my credit report this is one of fraudulent accounts reflecting on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment and violation under FCRA policy.
Consumer complaint received 2024-02-24
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (GA)

I have an auto loan with U.S Auto Sales. On XX/XX/XXXX, my car was disabled with a kill switch. I have a XXXX XXXX XXXX XXXX. I called U.S Auto Sales on XX/XX/XXXX to see if they disabled my car, and I was told they did disable my car due to me not paying my bill on time. I was confused, considering the fact that I was not late with any of my payments. I paid {$220.00} biweekly and I was always 5 days early with each payment. Because my car would not start, I had to miss work on XX/XX/XXXX as I did not have transportation to get to work and I was not able to return to work until U.S Auto Sales enabled my car again ( XX/XX/XXXX ). I was told my car would be cut back on on XX/XX/XXXX after they could not find proof that I was late on payments ( because I was not late on any payments ), but my car still did not get cut on until the next day. I am unable to access documents due to U.S Auto Sale 's website being unavailable. This act was extremely unprofessional and egregious on behalf of U.S Auto Sales. I spoke with several representatives, who did not seem to care about what I was experiencing at the moment.
Consumer complaint received 2019-06-05
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: EQUIFAX, INC. (CA)

I've never even been contacted by this people in the past. I have no idea who they are and never did any business with them ... Please delete this account and tell the company to be more careful on how they handle their reporting XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-02-24
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (LA)

XX/XX/XXXX. I launched a complaint against Nelnet for continuing to misreport the student loans that were transferred by the XXXX XXXX program as delinquent. The last updates to those accounts were from XXXX and XXXX. The last update was that they were delinquent. As per the XXXX XXXX policy program, those loans should have been reported as current and the credit reporting agencies were supposed to be asked to stop reporting the default/delinquency. Neither of those things happened. Despite the loans being listed on Nelnet 's website as either ok or in deferment. They continue to report the older loans as delinquent. I have been denied private student loans and other loans because of the number of delinquent student loans I have on file. This is unacceptable. 

How can loans that are paid/transferred be currently delinquent? How can any student loan be delinquent when I'm in school full-time and have a deferment?
Consumer complaint received 2024-02-24
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Central Portfolio Control Inc. (TX)

I was contacted by Central Portfolio Control at the phone number ( XXXX ) XXXX which when searched is the number for the XXXX XXXX XXXX XXXX XXXX to pay warrants and tickets at XXXX on XX/XX/2024. When I called the number back at XXXX on the same day, I was informed rudely that I was not correct and that was not the number. I work as a Police Officer for the XXXXXXXX XXXX XXXXXXXX and when I stated such, the operator hung up. I feel they were spoofing the number of the Municipal court in order to make whomever called feel pressure to pay them. This feels like a deceitful and dishonest practice.
Consumer complaint received 2024-02-24
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

I have a collection of {$420.00} from XXXX XXXX XXXX. This is fraudulent activity. The collection is for a XXXX XXXX XXXX. My middle name is XXXX, not XXXX. There is also an address listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. I have never been to this place let alone resided at the property. I spoke with a debt collection and explained the issue at hand. They are not willing to assist me and asked where my police report is. I have never been a victim of fraud, so I did not know what steps to take. I plan to file a police report this week in response to the fraudulent activity on my account. I have a lease agreement showing that I lived at XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) from XXXX XXXX XX/XX/2023. I have never lived or been to an XXXX XXXX XXXX. This is a case of identify theft, and no one seems to want to work with me to resolve this issue. I have filed a police report with the XXXX XXXX.
Consumer complaint received 2024-02-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (CA)

I got a collection letter from Phoenix Financial Services addressed to XXXX XXXX at my address, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. That collection letter claims that XXXX XXXX owes {$1900.00} on behalf of patient named XXXX XXXX to XXXX XXXX XXXX. They said that the original Account number is XXXX. Neither XXXX XXXX nor XXXX XXXX have ever lived here. I've owned this house since XXXX  and I bought it from XXXX XXXX. I sent an email explaining this to Phoenix Financial and XXXXXXXX XXXX and XXXX XXXX XXXX, all listed as creditors for this same bill and I told them to remove my address from all their systems or risk legal action. I know that this stuff can show up on my credit report based on my address and I don't want that. I also complained that no reasonable person would ignore a collection letter and demanded that they pay damages to me. They can not and should not send out collection letters to unverified addresses. I suspect that XXXX made this error by transposing my address somehow. And I will be watching my credit reports for violations of the Fair Credit Reporting Act. But this complaint is to nip this in the bud and order all these creditors to stop, Cease and Desist.
Consumer complaint received 2024-02-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Block, Inc. (FL)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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. 


Account Name : DPT EDXXXX Account Number : XXXX and list of Inquiries. 

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 a 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 2023-08-05
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of america refuses to refund Me the money that was taken out of my account when covid hit I have been going back and forth with them for over 1 year I never received a card or a check I was out of state my old roommate stole my identity and bank of america will not help me I have sent them all my paper work and it's a joke now inwas denied for unemployment and disability with out them even Investigate in this situation
Consumer complaint received 2024-02-23
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Prince Parker & Associates (FL)

I signed a cell phone plan with XXXX lines and the values that were in the agreement were not those in the contract. I called several times. I went to the store several times and nothing. I can not afford to pay for an amount in which I was extremely ignored, disrespected, and mistreated by the attendant. all the time I wanted to pay the right amount and the company didn't even try to change the amount by saying pay and then we changed it. act # : XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-03
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cascade Capital, LLC (FL)

I Received A Letter From Cascade Capital LLC, Dated XX/XX/XXXX ... .Stating My Account Has Been Assigned To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... .Stating I Had 30 Days In Order To Dispute This Debt Or It Would Be Deemed Valid ... .After Checking My Credit Report On XX/XX/XXXXThey Had Added This Account To My Credit Report. I Have Never Had An Account With This Collection Agecies Listed ... The Account They Are Noted Was Last Reported In XX/XX/XXXXAnd They Never Gave Any Information As To Them Being The Rightful Owners Of This Debt Or Entering Into A Signed Contract With Me In The Payment Of Said Debit.
Consumer complaint received 2024-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION (NY)

My account was opened XX/XX/24 using promotion code XXXX  whereby I was supposed to receive XXXX  for direct deposit. After opening my account M & T claimed they couldn't verify my identity despite have multiple other accounts with them. So I went to the branch to present my identification and was advised my account was cleared. However, shortly thereafter a hold was placed on my account and direct deposits were rejected. So I called and was told the hold was cleared but then my initial funding deposit was sent back and the representative was supposed to research it but never got back as to why. I then sent multiple messages requesting a bank letter that my account was open and in good standing since my direct deposit would not issue it again since it was rejected the last time. Then on XX/XX/24 I got a note that my account was closed. No reason was given and this entire process has been a nightmare of customer service failures.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) requires that if a credit reporting agency ( CRA ) reinserts previously deleted information on your credit report based on information provided by a furnisher of the information ( such as a creditor ), they must notify you promptly, within five business days, of the reinsertion. The notice was never sent or the documents I have not been notified. Or the documents have not been sent on Name address and phone number of the Furnisher who provided the information.