davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-25
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. (NJ)

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 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 2024-05-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: FactorTrust, Inc. (FL)

XXXX/24- I was denied XXXX $ in funding due to a credit report that has been locked FOR multiple days. According to the Fair Credit Reporting Act, any practices of abuse and or neglect should be penalized, and recompensation should also be given to consumers. This is my verbal complaint stating the denial of funds that WERE NOT involving XXXX, XXXX, and XXXX.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have recently applied for an apartment and was denied for XXXX apartments because of this unlawful collection according to the 15 U.S.C 1681 this should not be on my credit because this is inaccurate information I am currently homeless and so this inaccurate information is causing me to get approved.
Consumer complaint received 2024-05-07
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: ENOVA INTERNATIONAL, INC. (VA)

ON XXXX I HAVE XXXX CREDIT INQUIRIES, AND ON XXXX I HAVE XXXX INQUIRIES THAT I DO NOT RECOGNIZE. I TOLD THEM ABOUT THE INFORMATION ON MY CREDIT REPORT SUCH AS MY ADDRESS IS NOT CORRECT SO IT IS INVALID. I ALSO REACHED OUT TO THE COMPANIES AND THEY TOLD ME THAT THEY DO NOT HAVE THE RESOURCES TO HELP ME. 

PLEASE CONTACT THE FOLLOWING COMPANIES ON MY BEHALF OR XXXX PLEASE XXXX 

- XXXX : XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ) - XXXX : XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX/NETCREDIT ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX )
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

regarding capt one accnt number XXXX. I would like to remove this account off my credit report. This is an old account that was open in or around XX/XX/XXXX and service ended around XX/XX/XXXX and last bill was XXXX. The bill was paid in full, I was in formed it will be taken off my credit report and it's still showing.
Consumer complaint received 2024-05-07
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ProCollect, Inc. (FL)

I requested validation from Procollect Inc XXXX and have not received any legal evidence from them that I owned them anything. Procollect made claims that they received all rights of interest and assignment when they purchased the account, they are automatically violating the Statute of Frauds. They are in breach of the alleged contract because they can NEVER fulfill the XXXX 's obligations from the original contract. The right of subrogation does not exist for a stranger to the transaction. XXXX XXXX XXXX, XXXX XXXXThis includes attempts to collect based on assignment, sale/purchase, or trade. Also Per IRS publication, CHARGE OFFS is income and can not be on a consumer credit report since it is considered a certificate of indebtedness. 

I have no account with them, have never signed any contract to do business with them, I am expressing my rights under the FDCPA to demand that they Cease & Desist ALL collection activity and All communication with me regarding their accusations. They have caused harm and distress because I can not obtain new credit because of their false claims. Procollect committed identity theft against me and they need to close their file immediately and remove their information from my credit report as having it on there is collection activity which violates federal law since they have failed to validate.
Consumer complaint received 2024-05-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I bought my home on or about XXXX and made regular monthly payments ontime for about 15+ and my mortgage was assigned to SPS Portfolio Servicing. 

Once my mortgage was assigned, my mortgage payments remained constant with on-time payments. 

In about XX/XX/XXXX, the mortgage company notified me that my insurance was unable to be paid because an erroneous address had appeared on my insurance binder page, the same insurance that had been in place for the duration of the loan. 

As a result of this, SPS began to charge me fees and added them to my escrow account. I argued and called on many occasions to explain that my insurance was correct and their address was in error. They ignored it and I frantically had to find an insurance coverage that matched an incorrect address. 

After being ignored and overcharged, I called again to explain that I believed I had been overcharged for no reason. As it turns out, they corrected their own error and did not refund my money. At the time I did not notice the fees had been deducted until I received an Escrow Disbursement History statement dated XX/XX/XXXX. I was charged in their statement {$410.00} for lender-placed insurance. 

My complaint today is not because I did not have insurance, it is because they simply refused to pay it and profited unjustly. 

The correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. It is the only XXXX XXXX XXXX . In XXXX XXXX GA, and I am the owner of it as it always has for the duration of the loan. 

I ask that you please investigate this matter and return this overpayment to me. 

The address of the home is XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (NC)

I bank with Wells Fargo and regularly use their Bill Pay service. The bills I pay are now taking 2 weeks or more for my payee to get their money. Each time I submit a transaction, Wells waits until the next business day to charge my account and mail the check. They promise it will be received within 5 business days. All of mine are within 100 miles. On my call with their customer service parson today, Wells confirmed the cleared date as 14 days or more from my request date. This is after the promised date, way too long, and long after they took the funds out of my account. They blame it on the USPS. Why is it so slow? Why are they entitled to take my money before the check is cleared? Thanks for investigating.
Consumer complaint received 2023-04-25
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: ALLY FINANCIAL INC. (TX)

There are accounts on my credit that are unauthorized. By law, that debt has to be verified. Ive sent dispute letters to all XXXX credit bureaus and will attach it with my complaint as well.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

This grumbling to FAIR COLLECTIONS & OUT was the after effect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it. 
As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect. I have also attached the FTC reports to support this complaint with the FTC number XXXX.
Consumer complaint received 2023-04-25
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. (NC)

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 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 2024-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NV)

Pacific Daylight Time Time zone in XXXX XXXXXXXX XXXX ( GMTXXXX  ) Sunday, XX/XX/XXXX i received a call claiming that they are wells fargo. they told me that somebody is using my account at XXXX and is spending XXXX and XXXX usd and wanted to confirm if that was me. so i said No. and they said they can cancel the transaction and theyll send me a new card since the only problem is the debit card. they asked me so many questjons and know many of my personal information including the last 4 digits of my SSN my email address my phone number ofc and the last digits of my card. they asked me to confirm my wells fargo app password so i said my password too. they wanted to confirm my address so i said my adddress and they said a wells fargo representative will be outside my house to get the debit card. they said if it has a silver bird the delivery will be free of charge. and so the " representative " arrived and she said the code ( gg702 ... iforgot the rest ) that the guy on the phone told me and got my card and cut it to half and departed. 

when i check my bank acc on the wells fargo app i saw my money is gone XXXXusd XXXX usd XXXX usd i called the wells fargo immediately after 30mins of the scam call that i got and i asked them to dispute it and change my savings and checking account. 

it is my first year living in america so i wasnt aware of this kind of scam i thought wells fargo is just that quick. 

today XX/XX/XXXX i called wells fargo again and asked for an update and they said that they wont dispute the money and that my case is already closed and wont be reopening it. the reason being is that they said it looks like i gave authorization for the transaction because the chip on the debit card can not be copied and they can only get money if the debit card is present. i told them that of course they have my debit card because some lady took it pretending to be wells fargo. it looks like they are blaiming me and will not dispute my money i already filed a police report. i cant believe that i have to go through all this just to prove my innocence. im the victim.
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (WA)

When purchasing an airline ticket from XXXX XXXX, I received a discount offer on an AAdvantage Citi credit card stating that I can receive a {$200.00} credit on the ticket purchase by applying for the credit card ( see attached ). After completing the application and receiving the account, I reached out to Citi to see how to apply charges to the new credit card offered. I was told that I can not do so because I will need the credit card number that will arrive within 10 business days. When I complained, their response was, " You will have to apply the credit to your NEXT purchase through XXXX XXXX. '' I made a second purchase via XXXX XXXX after receiving the credit card number. I charged the purchase on the AAdvantage credit card. I asked where is my {$200.00} credit. I was told that I will have to wait 2 to 3 billing cycles ( 6 to 8 weeks ) before the credit will appear. When asked if I must pay the entire ticket price before receiving the {$200.00} credit, I was told, Yes. '' So, the offer is an abject lie and after purchasing over {$1000.00} from XXXX XXXX, I STILL can not apply the {$200.00} credit.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (MN)

To : Current CEO c/o Early Warning By : Certified Mail Number : RE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX hereinafter RESPONDEAT INFERIOR, In Re : claimant : Remove Accounts Below & Any Information Bearing My Name XXXX XXXX Without Prejudice U.C.C. 1-308.4 Alleged Bank Name : XXXX XXXX  XXXX XXXX Account : XXXX Alleged Bank Name : XXXX XXXX Alleged AccountXXXX Alleged Bank Name : XXXX  XXXX Alleged Account : XXXX Alleged Bank Name : XXXX XXXX XXXX XXXX Alleged Account XXXX XXXX Dear CEO of Early Warning This is a claim and demand for PROPER CONSUMER REPORT INVESTIGATION, and offer to cease my disputes/challenges letters upon the preceding conditions : This offer of ceasing to dispute and challenge the adverse information on my consumer report is made in good faith, to remove/delete the attached complaint of improper upon the condition RESPONDEAT INFERIOR disclose their method of verification and complies with the following stipulations herein within twenty-one ( 21 ) days of receipt of this claim : 1 ) RESPONDEAT INFERIOR completes, in entirety, the attached Consumer Report Disclosure Statement and returns the same with all supporting documentary and evidentiary proofs to claimant ; and 2 ) RESPONDEAT INFERIOR, in accord with the Fair Credit Reporting Act [ 15 USC 1681 et seq. ], provides information on where and how you were able to determine my character, general reputation, personal characteristics and mode of living. Verify how you came upon such Without Prejudice U.C.C. 1-308.4/Without Recourse U.C.C. 1-103.6
Consumer complaint received 2023-12-07
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (NC)

This company keeps calling me for someone else. Ive called them once and told them the name they gave me wasnt me and then got another call from them not even an hour later after I told them to stop calling me.
Consumer complaint received 2023-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

As I have NO Contract with you, you threatened me by mail and if you precede any further I will see you in Court under CHARGES OF Mail Frauds and Threats. 
As of XX/XX/XXXX I have presented a Credit Set-Off Settlement to the " XXXX XXXX XXXX XXXX '' for the Full Billing Amount, along with an IRS XXXX in full compliance with the Commercial Banking Laws of XXXX. They have 3 days to comply. If they do not settle I will see them ; not you in Court and it will be under the attached Document and mail fraud charges. Furthermore if by any chance you place fraud on my credit reports remove asap, I am a SECURED PARTY CREDITOR that will report your company and said owner and workers to credit bureaus and sue for damages with a lien.
Consumer complaint received 2024-05-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. 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 2023-07-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Last night ( XX/XX/2023 ) I received an email from Bank of America notifying me what I was denied for opening a " Bank of America Advantage SafeBalance Banking '' account online. This will be the 3rd time in a year that someone has attempted to get a loan or open an account with Bank of America using my information fraudulently. I spent over an hour on the phone last time, ( most of which was on hold ) talking to their fraud department and verifying that I did not open or attempt to open an account. I have never, and will never have or open an account with Bank of America. This morning I also received a 2nd email apologising that I couldn't open an account online, but instructions on how to open one at a local branch.
Consumer complaint received 2023-09-26
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. (NJ)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2023-06-10
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: Experian Information Solutions Inc. (GA)

I am writing to you to express my deep concern over the fraudulent information on my consumer report. I was shocked to learn that I am a victim of identity theft, which has resulted in a negative impact on my credit history and ultimately on my financial wellbeing. This has been hurting me as I am in the process of buying home for my family and caused financial and emotional distress upon me and my family. XXXX. XXXX- XXXX
Consumer complaint received 2024-05-07
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: AMERICAN PACIFIC MORTGAGE (TX)

I'm currently in a dispute with XXXX regarding a late payment on my home loan. The loan was originally serviced by I'm currently in a dispute with XXXX regarding a late payment on my home loan. The loan was originally serviced by XXXXAMERICAN PACI , but then transferred to. During the transfer, there were errors processing my payments, even though I made them on time. I wasn't notified about the issue until the account was already 30 days late. I immediately paid the outstanding balance, but XXXXAMERICAN PACI still reported the late payment to XXXX. This is unfair as the delinquency was due to their error, not mine. I am working to get this inaccurate information removed from my credit report.
Consumer complaint received 2024-05-07
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc (NC)

I paid my XXXX  bill ( {$220.00} ) with my bank card... .Chime XXXX XXXX  card. 
Unfortunately, after I hit confirm payment on the website to pay my bill, I noticed I paid with my OLD Chime XXXX XXXX card number. 
After cancelling the Old Chime XXXX XXXX card last month ( beginning of XXXX ) and ordering a new Chime XXXX XXXX card and receiving it, I forgot to update my XXXXXXXX XXXX information. 
But I figured, as soon as I did it, that it would come back denied after pending because I used the OLD Chime XXXX XXXX card number and that old card number WAS SUPPOSED TO BE CANCELLED when I ordered my new one back in XXXX. 
Well, the transaction went through, which means my bank, Chime, DIDN'T CANCEL THE OLD CARD. 
The {$220.00} should have come back to my account and it never did. 
Because the payment went through and SHOULDN'T have, I didn't have any money to buy my g/f a birthday gift on XXXX & 3 Credit card bills. 
My bank tells me I might have to wait till the end of XXXX for a decision. 
THIS SHOULD BE THE EASIEST DECISION TO MAKE. THE ATTACHMENT IS THE PAYMENT TRANSACTION PROOF TO SPECTRUM WHERE ANYONE WHO CAN READ CAN SEE THE LAST 4 DIGITS OF THE CARD USED WAS XXXX ; WHICH IS THE LAST 4 DIGITS OF MY OLD CHIME XXXX XXXX  CARD, WHICH SHOULD HAVE BEEN CANCELLED AS SOON AS I ORDERED A NEW CHIME XXXX XXXX CARD.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (GA)

In accordance with the Fair Credit Reporting Act, This creditor has violated my rights under code 15 USC 1681 section 602 States I have the right to privacy 15 USC 1681 section 604 ( A ) section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Although I have asked for and received credit score info from all three and now from Creditwise, the score is based on inaccurate and untimely information. As time goes by, it is undermining my financial health and reputation.How do I get the agencies to report accurately and truthfully?
Consumer complaint received 2024-05-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I had a accident and couldn't afford to pay car note so they try to make me I got the car in 2019 and they said I own over XXXX I can't pay this I'm a XXXX and a veteran please help me.