davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-17
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. (FL)

I'm writing to your agency because you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items were deleted and yet you reinserted them without notifying me 5 business days after and certifying that these items were validated properly. I demand you to delete these items from my credit file or I will seek litigation.
Consumer complaint received 2024-05-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MD)

I am filing this complaint due to Midland Credit Management , IncXXXX ( MCM ) 's repeated failure to provide requested information concerning a debt they allege I owe, their refusal to respond to my disputes and inquiries, and their decision to refer the matter to XXXX, XXXX XXXX XXXX, XXXX, thereby acting in bad faith and violating my rights as a consumer. 

Details of the Complaint : Failure to Provide Information : Despite multiple written requests sent via certified mail on XX/XX/2023, and XX/XX/2023, MCM has failed to provide adequate documentation or verification of the debt, including but not limited to the original creditor 's details, contract, and how the debt amount was calculated. These requests were explicitly outlined in my correspondence, yet MCM has not complied with these basic consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). 
Ignoring Dispute Requests : MCM was notified within the legally prescribed timeframe that I disputed the validity of the debt they claim. The basis of my dispute includes discrepancies in the debt amount and lack of any original contractual agreement linking me to the alleged debt. MCM has neither acknowledged nor resolved these disputes, simply proceeding with collections without validating or verifying the debt. 
Referral to a Law Firm Without Resolution : After failing to provide the requested documentation and disregarding my dispute, MCM has escalated the situation by referring the case to XXXX XXXX XXXX XXXX XXXX, XXXX. This action has been taken without resolving the existing disputes, which I view as an attempt to intimidate and a disregard for lawful debt collection practices.
Consumer complaint received 2023-07-17
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: Experian Information Solutions Inc. (MO)

In Accordance to Fair Credit Reporting Act 1681a ( 2 ) A ( i ) Exclusions except as provided in paragraph ( 3 ) the term " consumer reports '' do not include report containing information solely as to transactions or experiences between the consumer and the person making the report According to the Fair Credit Reporting Act section 611 ( 5 ) ( A ) of the FCRA you are promptly to DELETE all information that is inaccurate incomplete or which can not be verified I have tried to resolve this matter with the company XXXX XXXX XXXX XXXX as it is negatively impacting my credit but have had no luck
Consumer complaint received 2024-05-08
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2024, I attempted to cash a check I had just received from a customer. The check was from Bank of America, and I attempted to cash it at the Bank of America XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

I came into the bank in my work uniform with my name tag on it, having just gotten out XXXX XXXX XXXX XXXX. I was sweaty and tired after a long day of work. Despite this, I was told after a lengthy wait that the check could not be verified. The check was for {$2000.00}. I asked why it couldn't be verified and was told they couldn't give me a reason. Instead, I was advised to either contact the issuer of the check or take it to my financial institution. 

I questioned how my bank could verify a Bank of America check better than Bank of America itself, but I received the same response : contact the issuer or deposit the check at my bank. This all occurred after they had marked, stamped, and written all over my check. 

I asked what policy had been violated or what issue prevented the check from being verified, but they refused to provide an answer. Instead, more employees gathered behind the glass, seemingly to intimidate me. 

I then told them that I had the customer 's phone number and offered to call her. They said they couldn't do that and repeated that there was nothing they could do. Once again, I asked what policy had been violated or what the issue was. They told me they didn't have to explain anything. I expressed my dissatisfaction, pointing out the lengthy wait and the lack of transparency in denying my request, and stated that something else was going on. They brushed it off with a dismissive " of course not, sir. '' I believe this is racism, plain and simple. Bank of America has a long history of racism and has faced multiple lawsuits. It's a real shame, as a veteran who was once forced into making an account there when I joined the service, to see this behavior. 

Additionally, the customer who issued the check is also upset about the discriminatory treatment I faced and plans to visit the branch herself to understand what happened. 

My father also experienced poor treatment at this bank, which prompted him to quickly pay off a car he financed with them due to their behavior.
Consumer complaint received 2022-11-18
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. (CA)

Your information is inaccurate. I do not recall having a bankruptcy on the date you are reporting and there is a blank field making your information incomplete as well. Your public record information is often inaccurate, which is the case in what you are allowing on my credit report. You are allowing slander on my credit report. Your butts need to be sued if you do not remove this from my credit report. Delete this immediately! 

XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/2016 Reference # : XXXX
Consumer complaint received 2023-09-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC. (FL)

For some reason today I received a debt collection call from Santander Consumer USA. This was an automatic robo call. Santander, has no reason to be contacting me. Currently, I don't have an account balance with them, and I'm not in collections. Back in 2018, I filed a case against them in XXXX. That account was closed and settled. i have attached the file. After that account was closed, there is no reason for Santander to have my contact number ( XXXX ) XXXX on their records to contact me. First of all, that is a business line, and again I have no outstanding accounts with them. I called the number back and selected the option for them to remove from their system. I don't have any accounts with anyone in collections. So, this company should not be contacting me, and they should not be attempting to collect anything from me, on a closed matter which that was settled.
Consumer complaint received 2023-07-17
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. (GA)

On XXXX XXXX I contacted XXXX XXXX XXXX to inform them that the account they were reporting to XXXX and Experian were the result of Identify Fraud & the signature on the lease agreement was not mines. I sent them a copy of my Driver 's License and Social Security card with my signature. I ask them to send me a copy of the lease agreement which did and signature is not mine, I then reach out to XXXX and Experian about the situation and they both have fail to remove the account. Please advise me of how to proceed.
Consumer complaint received 2024-01-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mercedes Benz Financial Services (CA)

I have been a victim of inaccurate reporting, and it is disheartening to see that my efforts to correct this discrepancy have not yielded the desired results. I have previously submitted dispute letters and followed the appropriate procedures outlined in the Fair Credit Reporting Act ( FCRA ). However, despite my diligent efforts, the inaccurate late payments persist on my credit report. 
MB FIN SVCS XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I would like to bring to your attention that other credit reporting agency have already taken corrective action in response to my disputes and have removed the disputed late payments from their reporting. I am left perplexed as to why your bureau has not followed suit.
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One credit card was opened by an employee while I was on social security XXXX without my authorization by XXXX XXXX. Upon termination of her employment she stopped making payments which negatively impacted my credit. I have disputed these charges multiple times claiming identity theft.
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (MN)

I have multiple accounts with US Bank ( checking, money market, credit card ) and noticed I have been charged a monthly maintenance fee over the past year and a half on my checking account even though my account meets the requirements to have the fee waived ( monthly direct deposit of XXXX XXXXXXXX, combined account balance of XXXX XXXXXXXX ). When I spoke with a representative on XX/XX/24, they confirmed that I meet the requirements and that my account is being charged in error. They were able to re-fund the fees from the past 90 days but said they can not prevent my account from continuing to be charged in error and I will continue to be charged the fee. As a customer that meets the requirements to have the fee waived, they are granting a false promise that I will not be charged and are stealing from me each month.
Consumer complaint received 2024-01-04
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Newport Intermediate Inc. (CA)

I recieved a prepaid gift card from my employer as a performance reward in XX/XX/XXXX which was loaded with XXXX USD. I attempted redeem the value of this card on XX/XX/XXXX and noticed that the card had expired on XX/XX/XXXX. I called the issuing entity, Northlane which is now owned by XXXX, on XX/XX/XXXX and requested the issuer send me a new card with a modified expiration date. The company representative informed me that due to the " terms and conditions '' of the issuer, they would not replace the card and the value on the card was forfeit. 

My understanding is that this is in violation of Federal Law, specifically the Credit Card Responsibility and Disclosure Act ( CARD Act ) Title IV Sec. 401, which mandates that prepaid cards, defined by the statute as any card that is redeemable at multiple, unaffiliated merchants or service providers, or automated teller machines ; issued in a requested amount ; purchased or loaded on a pre-paid basis ; and honored upon presentation, may not expire sooner than 5 years after issuance.
Consumer complaint received 2018-07-11
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (CA)

XXXX XXXX $ {$990.00} ( police report made, person arrested and charged ) XXXX XXXX wouldn't and didn't refund my money ... This was my whole check ... Reason. Didn't have enough evidence.. I had nothing ... This whole month. I tried repeatedly reopening dispute. To be denied ... I sent in police report ... They didn't lifted a finger to look into it ... XX/XX/XXXX ATM withdrawal {$500.00} XXXX XXXX card no money dispenced,,, XX/XX/XXXX disputed,, paperwork sent in,, them won't even give profelice credit. XX/XX/XXXX {$990.00} DISAPPEARED. I disputed didn't have XXXX.. I'm tied I live on my check ... I'm on XXXX.. XXXX XXXX XXXX  XXXX,, XXXX XXXX issues,, and XXXX survivor,, I'm in a chair,, I've contacted XXXX XXXX on all these,, to customer service it takes hours to get thru to, if you do,, and level two even harder your lucky if you do,, no number r address to these investigators. My x has made it inpossable for me to even get a regular bank account, direct XXXX is a nightmare,, and my money keeps going,, I'm crying still on twice I lost my whole check I had nothing,, but I did the questionnaire they sent me and even went and talked to vendors,, I need help,, please. XXXX XXXX {$500.00} no cash dispenced ATM withdrawal I'm presently in dispute with XXXX XXXX .. someone HELP,, IM LOST TO KNOWLEDGE OF WHAT TO DO.. WHY DOESN'T SOCIAL SECURITY, ,I KNOWING THEY ARE IN KNOWLEDGE OF PEOPLE LOSING WITH XXXX XXXX/COMERICA BANK ISN'T HELPING US,, WHY ARE THEY KEEPING THIS COMPANY,, WHO KEEPS ON TAKING FROM US?
Consumer complaint received 2024-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I deposited my check into my wifes account, and its been freeze for 3 months because they say they need proof of identity and that they just can do it by having a phone number under my name. I I have the phone number and when they call XXXX said that the computer dont recognize my number or that is not under my name, they said different reasons every time. I told them that I got everything to proof my identity, I have a XXXX bill to proof that its my phone number, and they insist that its not other way to do it that they dont want to help me because the policy but they dont explain everything. I dont understand why they dont give me other solutions when I got my ID, Social, the phone Bill and my boss authorized the checks.
Consumer complaint received 2023-07-17
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: Experian Information Solutions Inc. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 Balance : {$11000.00} ; XXXX XXXX XXXX XXXX Balance : {$41000.00} ; XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX XXXX XXXX Balance : {$790.00} ; XXXX  XXXX XXXX Balance : {$460.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$150.00} ; DEPT OF EDXXXX XXXXBalance : {$0.00} ; DEPT OF EDXXXX XXXX Balance : {$0.00} ; DEPT OF EDXXXX XXXX Balance XXXX {$0.00} ; DEPT OFEDXXXX XXXX Balance : {$0.00} ; DEPT OFEDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX Balance : {$0.00} ; DPT EDXXXX XXXXBalance : {$0.00} ; DPT ED/XXXX  XXXX Balance : {$0.00} ; DPT EDXXXX Balance : {$0.00} ; DPT EDXXXX XXXXBalance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX  Balance : {$0.00} ; DPT EDXXXX XXXXBalance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT ED/XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

Experian is reporting inaccurate information on my report. The following addresses are Non mailable XXXX XXXX XXXX XXXX mi XXXX XXXX XXXX XXXX XXXX mi XXXX
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

Equifax had a data breach and I checked to see if my information was part of that breach. And the claim form I submitted shows that my information was affected. 

Also, part XXXX of the problem is, XXXX  also had a data breach back in XXXX of this year. And my personal information was also affected in this breach.
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

I called Wells Fargo for fraud going on live time with my account. I was transferred to Fraud dept. 
The guy/woman I think named XXXX verified the claim was submitted by CS. 
Told me a new card was being resent to me as we speak and it would be 7 days. 
He told me I could go into the bank and write a check to get money and survive until the card arrived. 
I told him the criminal illegally wiped me out and I have a negative balance. A hot check was illegal. He told me nothing else could be done because the transactions were still pending. I asked why would they allow the transaction to post and give the criminal my money but make me suffer vs. stopping the transaction before posting it. No Answer. 
I asked again and he loudly spoke over me ; so I loudly spoke over him to ask my question a 3rd time. I know they can reverse a transaction because they instantaneously did for one by the criminal today. 
He told me I was rude and asked if I wanted his help. I said yes I do, but if you are not going to answer my questions then get me your manager or boss. He again yelled that I spoke over him. 
I told him I had to speak over him because he would not shut up and answer my questions. I asked to speak to his boss then told me the conversation was over and hung up. 
I called back and spoke to XXXX who read from a script and repeated stated the claim was processed and Fraud is handling it. 
The same fraud dept that hung up on me? Im supposed to trust them? How does an XXXX person with XXXXXXXX XXXX ; no means of money or gas or food/water survive while they play thumb wars for 10 days. Again, I was told the claim was processed and they are working on it. So I asked the same question ; why would the first guy tell me to go to a bank location and write a check off an account with a negative balance after someone wiped out my account down in XXXX? Does Wells Fargo want me in jail? Is this how they treat all customers who call to report fraud? They simply hang up on us instead of helping? 
So now I have to wait 10 days with XXXX money ; no food ; no gas ; no means of survival because the Fraud and customer service groups at Wells Fargo refuse to answer or help me other than tell me to wait it out. 

Wells Fargo acts like they care very little for their customers as I have seen a 36 % customer service rating. After how I was treated, I would give a 0 % rating. I am leaving this bank after being a customer for near 30 years and my account being hacked 3 times in last 10 years. They have a security problem.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am trying to access my credit file for business. My XXXX  credit report still shows a fraud alert that I have requested to have removed. XXXX XXXX XXXX XXXX XXXX is my info. Please REMOVE/DELETE the fraud alert Notes from my file so I can access my credit.
Consumer complaint received 2024-01-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (MN)

Earlier this year I had a car breakdown and me and my now ex husband did not have the money to fix it. We went to a car repair place and they recommended the easy pay service. We applied and were told we would have XXXX  months to pay it off before there was interest. Well one they only gave us 60 days no interest which is not XXXX  months and then there interest amounted to XXXX XXXX in interest everyday in less than a year the loan more then doubled. My dad eventually called them on my behalf and they agreed to only a XXXX dollars. If I wouldnt have my dad I would still be paying of this loan for god knows how long.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are reported with late payments and I never had these. The information is incorrect.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to request the removal of unauthorized credit inquiries on my TRANSUNION, XXXX, and XXXX credit reports. My latest credit report shows 18 credit inquiries that I did not authorize.