davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

I filed a dispute of transactions that were NOT approved by me or done by me or any authorized user of mine which is only me. The Wells Fargo claim number is : XXXX totaling {$12000.00} which was denied. I appealed and it was denied again. This is my HARDWORKING money that I need back. Wells Fargo claims in the appeal denial that it was authorized by me or someone authorized to use my account. This is 100 % false. I never in fact did any of these transactions. Im not sure what else to do to hopefully get my money back so this is my last resort. I will also be changing banks from now on if this does not get resolved with them.
Consumer complaint received 2024-05-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Elevate Recoveries, LLC (GA)

This debit collection is not in my NAME there for it does not belong to me they are reporting this on my credit report as if im the one reliable for this debit when I am not they need to remove this from my credit report be it does not belong to me
Consumer complaint received 2023-11-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (UT)

I contacted ECSI Heartland to pay the remainder of a XXXX Loan from XXXX XXXX XXXX. They refuse to let me pay my bill. They said that I can not pay it off until XX/XX/2024, in the meanwhile I will be accruing interest and late fees.
Consumer complaint received 2023-05-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Diversified Adjustment Service, Inc. (CA)

In accordance with The Fair Credit Reporting Act DIVERSIFIED ADJUSTMENT Account number XXXX has violated my rights.15 U.S.C 1681 section 602A states that 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.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Mortgage Research Center, LLC (SC)

XXXX XX/XX/XXXX, XX/XX/XXXX I don't know what this is. 
XXXX XX/XX/XXXX I have a XXXX XXXX credit card and never applied for hotel and travel card. 
XXXX I have a XXXX credit card and never applied for hotel and travel. 
XXXX XXXX I did apply and was approved but never acted on the loan. 
XXXX I never applied for a dual card
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY (CO)

The American Express account that shows on my credit report is my mothers account and she has removed me as a user several times. I uploaded a chat session that shows there are no cards in my name and verified that I am not a user but they refuse to remove the account from my report. I have tried 4 separate times and they just keep updating to the current date and not removing it. My mother XXXX XXXX has asked for documentation that I am not on the account or a user of the account and they stated they can not provide documentation other than the chat attached as he is not a user or on the account to remove so there is nothing to provide.
Consumer complaint received 2023-11-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Onity Group Inc. (NY)

Like many I am experiencing severe difficulty with my mortgage, right now I can afford my monthly payments as I have XXXX family members who are living with me that will enable me to meet my obligations. I realize that all I need is fir the past due to be put in the end and ask fir a fresh start. PHH has been decent with me in the past but now they are not communicating with me or really trying to help. The relationship manager dies not even contact me, as I feel that someone is trying to steal my home and leave me homeless. PHH received alot of funds during covid and thats great but they have a XXXX XXXX XXXX citizen to help and I am begging u to help me keep my home
Consumer complaint received 2024-02-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio recovery associates has threatened to sue me and arrest me. Portfolio recovery associates has harassed me and my friends and family. I am not even sure about what debt they are collecting because I am not aware of the debt they are trying to collect.
Consumer complaint received 2018-10-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Firstsource Business Process Services, LLC (GA)

I DONT HAVE AN ACCOUNT NUMBER FOR THIS DISPUTE BECAUSE OF THE ARROGANCE AND CORRUPTION OF XXXX XXXX XXXX XXXX XXXX NEVER SAW ME AND THEY NEVER NOTIFIED ME OF BILLING AND HAD THE NERVE TO REPORT THIS TO A XXXX CREDIT COLLECTOR WITHOUT MT KNOWLEDGE OF EVEN A BILL LET ALONE A COLLECTION. I checked into XXXX XXXX Hospital ( XXXX, Georgia- XXXX County - corrupt Government Hospital minoritys preferred - XXXX XXXX over XXXX & this Hospital Administration is corrupt ) Emergency room and the wait was hours so I left. I never saw a nurse nor hospital employee to take vitals - nothing. These people ( this Government funded Hospital ) billed me without my knowledge ... never a mail notification sent to my home address, not a phone call - nothing. Then these nefarious Hospital administrators reported this to a credit reporting Agency without my knowledge. This is unacceptable and who do these wanton unlawful non-law abiding XXXX XXXX Hospital Arrogant Administrators think they are ... I mean  really??!!?? No notification to me personally at all? THIS IS CRIMINAL AND I WANT TO FILE A LEGAL DISPUTE FOR HARDSHIP AND DAMAGES. This is not the 1st time this has happened. Years ago I beat up by a thug and rushed to XXXX Hospital in a ambulance and was in traction. I have them my insurance via my employer XXXX XXXX XXXX in 2009 and these XXXX XXXX Hospital Government Administrators under the Obama Administration did the same thing.. this time for {$9800.00} - reporting to a credit agency unlawfully as I had medical insurance and was covered and they did not notify me of billing, any balances, nothing! These nefarious employees filed a credit collections against me and requested the Trump Administration to drain this XXXX XXXX Hospital swamp! Take this off my report please by informing them of this dispute with you and want to sue them legally if not resolved immediately!
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: States Recovery Systems, Inc. (CA)

This account was erroneously placed in a 3rd party collection. The debt originated with XXXX XXXX XXXX for {$1200.00} ( I will attach the original invoice ). I am attaching proof this account was paid in full to the original creditor on the date on the XXXX receipt which was XX/XX/2023. This account was paid IN FULL before it was ever sent to collections to States Recovery System. I have written the creditor twice and they responded that the debt is " verified '' and owed by me ( I am also attaching ) and the amount they claim I owed originally on my credit report 7 months ago, matches what I paid to XXXX XXXX XXXX/what is on my XXXX receipt ( who I purchased the money orders from ). After writing States Recovery and disputing for months with the three credit bureaus XXXX, XXXX and XXXX, the account was removed from XXXX due to its inaccuracy. The amount owed under this account has changed from {$1800.00} to now {$650.00}. This amount was inflated from the alleged start with States Recovery System. How has the amount owed even decreased from {$1800.00} 6 months ago to {$650.00} now when XXXX activity has been made under this account with this creditor. This error proves the company to be fraudulent and in violation of the Fair Credit Reporting Act.
Consumer complaint received 2020-07-28
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. (AR)

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts.
Consumer complaint received 2018-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

I received a check from a XXXX XXXX company. On XX/XX/18 I went to Wells Fargo at XXXX to deposit a check for the amount {$1500.00}. I received a text message notification from Wells Fargo at XXXX stating As of XX/XX/18 XXXX Eastern Time your available balance for account was {$1500.00}. I completed my XXXX XXXX on XX/XX/XXXX for {$1200.00} XXXX gift card. On XX/XX/XXXX I receive an alert at XXXX from Wells Fargo that states As of XX/XX/18 XXXX Eastern Time , your account is - {$1200.00}. I then go to the back after work to discover the check I deposited two days ago was returned. So I contacted the bank that the check came from told me the account for the check was fraudulent. My issue with Wells Fargo are their controls for depositing checks. How can a check clear the bank a day later to be return two days later. Are there not control measures that are used to communicate with other financial institutions to confirm the money is available in order to prevent a return check if there were no monies offered for same day use of check deposits made? I went to the back to get a copy of the check and the teller said I would have to speak to a banker but the bankers were completely swamped so I called the customer service line. The representative on the told me due to me depositing the check I am liable for the loss. The representative said my only option was to file a police report which I did on XX/XX/XXXX. The officer assigned to my case contacted me on XX/XX/XXXX to get my statement and asked for me to send all documentation I had from the scam. I did so and tried to get XXXX to release the location, date, time and product purchased in order to give the information to the police but was denied due to laws. XXXX suspended the gift card and which had a remainder of {$10.00} on it. I have not heard from the police officer I filed my report with since XX/XX/XXXX. The entire experience could have been eliminated if Wells Fargo would have use proper control measures to ensure the check was legitimate instead of waiting two days to figure out the check was fraudulent.
Consumer complaint received 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted a complaint last XX/XX/ and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are multiple fraudulent inquiries on my credit report. I have reached out to these credit bureaus and companies multiple times in regard to the fraudulent inquiries and they're still reporting on my creit report. 
I'm reaching out regarding these inquiries and for assistance to remove these inquiries from my credit report immediately.
Consumer complaint received 2023-12-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Apothaker & Associates, PC (NJ)

APOTHAKER, SCIAN OBTAINED A JUDGEMENT FOR XXXX CREDIT CARDS, i have been paying agreed amount for about 6 years and i noticed that they added a XXXX $ fee for every payment made. i still owe about XXXX total on debt, they never informed me from the beginning there would be a fee added. i pay XXXX $ per acct a month
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I had a capital one credit card open last year when I was under age and I never knew about it. This year ( XX/XX/2024 ) I have dispute it off my credit report and it have been investigated as accurate but it still affecting my credit and I did not open this account
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 60 days and I haven't received any investigation results. 

Also i reached out to the creditor and they made me aware that they have inform the credit reporting agencies with instructions to adjust their records for my credit history, to remove the negative credit information reported on the report
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I had a credit card that I applied for from capital one & they told me it wasnt going to be a hard pull so i continued with the application & a few seconds later I got a notification from all 3 credit bureaus about a hard pull
Consumer complaint received 2022-12-21
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. (IL)

I sent a letter on XX/XX/22 to XXXX and Equifax to remove inaccurate accounts that are UNKNOWN to me. I came across this law today and according to the XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX and Equifax are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NJ)

I submitted a claim on XX/XX/ and XXXX  for over {$16000.00} in unauthorized transactions that were payable to " XXXX XXXX XXXX '' over a 6 month period prior to noticing this. 

I do not have any accounts with XXXX XXXX XXXX or any other online casino. In fact, I am " self excluded '' from participating in any gambling activities in the State of New Jersey. 

These funds were clearly a case of fraud, however Wells Fargo decided to deny my claim. 

I had a similar earlier claim for " XXXX XXXX '' which was APPROVED and the funds were returned to me. 

I'm not sure why Wells Fargo has denied this claim. To date, despite multiple requests, Wells Fargo has failed to contact me and give me the evidence as to why they believe I made the transactions. 

I have resubmitted the claim multiple times, tried for a smaller amount, spoke to a branch manager, discussed this with at least 5-6 agents from Wells Fargo , wrote a letter to the entire executive team at Wells Fargo . To date, I have not received any resolution to this matter other than " your claim is denied '' without any reasoning behind it. 

Wells Fargo states that their " accounts are fully protected against fraudulent transactions ''. This is not accurate, as I have not recovered this money. I have submitted the evidence that I am self excluded from online gaming activity. I have confirmed with the XXXX XXXX XXXX that I have never used their services. 

I am at a loss as to what I can do next.
Consumer complaint received 2023-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (AZ)

My XXXX XXXX card was automatically transferred to Wells Fargo on XX/XX/2023. I activated it that day. I went on line to set up the account for payment on line that same day and I was unable to do so. I called their XXXX number for assistance and was told they needed more information and I needed to go a branch to try and set up the account on line. I then called their customer service number who then transferred me XXXX and spoke with XXXX who told me I needed to have a mobile phone in order to open the account on line. I told her I did not have a mobile phone and that the site stated in the on line application that the mobile phone was only recommended. She told me that it was required. I said I thought that would be discriminatory against elderly and poor people. She forwarded me to their XXXX XXXX and I spoke with XXXX and I told him to just cancel the card. He recommended that I wait until my payment by phone was processed. The next day I received a message from XXXX XXXX from XXXX XXXX offices. I left 3 messages for her and did not receive a call back. On XX/XX/XXXX I received a letter from XXXX that my phone payment had been credited to the account. I then called and closed my account. Told them the reason for closing the account was that the requirement to have a mobile phone in order to open the on line account was discriminatory and that no other financial institution that I deal with requires that. No one talked to has been able to explain their policy. I still believe that the requirement to have a mobile phone is discriminatory.
Consumer complaint received 2023-05-10
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: SYNCHRONY FINANCIAL (IA)

I sent a certified letter to them on XX/XX/23, and asked them to stop reporting my innacurate information to the 3 credit bureaus without my permission. They are reporting late payments as well.
Consumer complaint received 2023-07-05
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery filed a lawsuit against me in the amount of XXXX without notice or even responding to my letters requesting validation of the debt and name of the creditor it brought the debt from. I notified them by certified mail on XX/XX/2023 and sgain XX/XX/2023. No answer to my request and the law suit is set for trial XX/XX/3023. I never received notice of the law suit except letters from attorneys offering their service to defend. The case XXXX for the suit in XXXX XXXX XXXX XXXX is XXXX. They are seeking a judgement in the amount of XXXX plus court cost sites I not willing to pay. Pay who?
Consumer complaint received 2024-02-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Keynote Consulting, Inc. (IL)

Constant calls for debt collection. Unable to file for financial assistance. I was unemployed. Debt is now in collections for the amount of {$1300.00} as of XX/XX/2023. Less than a year old
Consumer complaint received 2024-05-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc. (TX)

I don't recall having a contractual relationship with this collection company XXXX XXXX XXXX XXXX XXXX. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-05-06
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: EQUIFAX, INC. (AZ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX Balance : XXXX