davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On Friday, XX/XX/XXXX, I initiated a legitimate wire payment at Capital One to make an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The wire was initially held up, probably due to fraud concerns. Makes sense -- I don't send many wires, and I don't think the compliance person understood the difference between a legal entity name and a XXXX alias. My accounts were also labeled " Your funds are currently not available for withdrawal, please call us at XXXX  '' I called to have the wire issue resolved. They reversed the wire charge, removed the compliance hold, and told me I should wait about XXXX minutes, and then I could initiate the wire again, and it would probably go through. So I waited. 

At no point in the interim has the " Your funds are currently not available for withdrawal '' message disappeared. I can not withdraw money, transfer money between accounts at the same bank, make payments on credit cards, pay bills or childcare. I have over $ XXXX in deposits with this bank. All of my bills come out of the primary checking at this bank. And now I find that I can not transact at all. 

I have made XXXX calls in 3 days. Each Customer Service rep has verified that there are no holds on any of my accounts. Suggestions were made to wait a while, delete the app and log back in, etc. None of this helped. 

On the last call, I was escalated to a " digital issues '' XXXX who also could not find any holds on any accounts ( or joint account holders ) that would preclude me from withdrawing money, paying bills, or otherwise transacting in normal ways. He escalated to the " back office digital issues '' team, which has a turnaround time of 5 days via email. 

In the meantime, I have credit cards, a mortgage, child care, and other bills to pay, with no access to our primary bank accounts. I'm not really sure what I'm going to do.
Consumer complaint received 2024-01-23
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (ND)

On XXXX XXXX XXXX  I went shopping at JC penny. Whiles the sales girl was checking me out, she asked if I wanted to sign up for rewards and I said yes. Only to find out at the last minute that it was credit card application. My scores reduced after they deducted. I called the company to fix it the problem so that I can get my scores back and nothing was done about it.
Consumer complaint received 2023-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

I opened this claim XXXX, the claim was denied without requesting any information, just denied. I have the invoice and order receipt showing that the merchant must sent the purcharse to my address and a specific delivery date that wasnt followed. I never get the order. 
Attached goes the order receipt.
Consumer complaint received 2023-12-21
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (VA)

I just received a Change in Terms notice from Synchrony Bank for my Lowe 's credit card. They plan on charging customers a {$1.00} monthly fee to receive paper statements. How is this possibly legal?? What are elderly people or any other demographic without computer access supposed to do? I am truly shocked the CFPB allowed this type of change. 
But then again, you are the same agency that is forcing credit card banks to lower late fees. You realize you are removing the incentive customers have to pay their bill on time, right? 
So, you are good with an unnecessary paper statement fee but not ok with a legitimate late fee. Brilliant.
Consumer complaint received 2023-03-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (OH)

I have been getting charged for late payment 's which are suppose to be {$20.00} if payment is late. On time payments have accrued late charge fee 's without my knowledge. There are statements that do not add up correctly. Last payment amount should have brought my account up to date with late charges. Wells fargo states I owe an additional {$240.00} odd dollars for this current payment which was payed the beginning of this month on XX/XX/23. Waiting on XX/XX/23 statement to be accounted for on my account which I made a payment of {$260.00} on XX/XX/23 to bring my account up to date. There should not be an additional {$240.00} still owed.
Consumer complaint received 2024-06-11
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. (AL)

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 the 15 USC 1681. 

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 XXXXXXXX, 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.1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose 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 7 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 2023-02-19
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-02
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: JPMORGAN CHASE & CO. (FL)

JPMCB CARD SERVICES XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX In accordance with the Fair Credit Reporting act, the list of the accounts below has violated my federally protect consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A, 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] : No consumer reporting agency my 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.

623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( A ) Reporting information with actual knowledge of errors. 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.

Delete the accounts below
Consumer complaint received 2022-10-27
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. (PA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2024-01-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: M&T BANK CORPORATION (NY)

This bank is treating me horribly discrimaiting me I feel they dont value me or my business they recently closed my account due to inactivity I was sick and in the hospital now I went to their branch to try to open an account they refused told me Im a bad customer wont open any accounts for me I requested a personal checking and business they said no without even seeing why I dont qualify they wouldnt give me any information I was treated horribly at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2018-09-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Ad Astra Recovery Services Inc (CO)

I have tried to contact this company and showed them with court documents showing i was incarcerated during the time someone used my identity to open this account it is not mine i was in jail and to remove this due to the fact its not mine i was in jail i provided them with the court documents and they still will not remove it.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

There are accounts under my name that are a result of Identity Theft in which I have no direct engagement. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see the attached documents for these accounts I am complaining.
Consumer complaint received 2019-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

I happened to know of at least two people, XXXX XXXX Case # XXXX and XXXX XXXX Case # XXXX, whom no ID info was required. They in turn know others for whom the same applies. Your request is very suspicious and not required. The Fair Credit Reporting Act does though require that I be treated " fairly '', I assume that would include a manner consistent with other consumers. Your request is to say the least is inconsistent with past cases against you and smacks of delay tactics since by your own admission LexisNexis has not to this date " received responses '' from the credit bureaus. Please immediately remove the following public records from my file or provide me with the documentation to prove your request for my personal identifiers is warranted and consistent with other cases : US BKPT CT IN XXXX XXXX US BKPT CT IN XXXX XXXX US BKPT CT IN XXXX XXXX
Consumer complaint received 2024-04-30
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: CADENCE BANK (GA)

I applied for help in XX/XX/XXXX due to losing my job as a XXXX XX/XX/XXXX. I never missed a payment when I was employed. Once I depleted my unemployment I applied for a modification. The company denied my modification stating that I didnt live at my house. Which is incorrect I have documentation and address visage information from the post office stating when my address was changed a month after closing. The company did not uphold my pledge for help and they denied me from selling the home. Currently the mortgage is XXXX pass due and company collections calls me daily harassing me for payment. They purposely want to foreclose on my home because they are not operating in good faith.
Consumer complaint received 2024-07-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rozlin Financial Group, Inc. (TX)

I subscribed to XXXX a while back to used since they boasted that their service was for real people and that it would be easy to find many nearby people that were active. After trying to use the service, everything had to be paid to do anything and you were only able to see partial message from supposedly real people. Well after signing up to use and trying what they offered. I began to noticed that the majority of people on there were bots, catfish, scams, or just inactive. Totally different from what they had you believe. After using for a couple of weeks with no luck, I decided to cancel the service and send an email to them to cancel and delete my account. They then tried to tell me that I had to pay the remaining balance even if the service did not work as intended. And that they didn't care if the service matched up with what they were expecting people to pay. And now they are threatening me by sending me to a collections agency ( RFGI ) and threatening me with legal action for a service that never worked. They don't do anything to build their service and actually try to make their service better for customers. They only want to reel you in and charge you significant amount for a service that doesn't work like it's supposed to.
Consumer complaint received 2023-02-21
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: Experian Information Solutions Inc. ()

I have checked my credit report in that report I've found one loan of rs XXXX from XXXX  XXXX  by date XXXX account no XXXX but i have not taken any loan from the above said bank but it was appearing on my credit report as default and my score has been gone down due to this loan every XXXX was red in colour please remove that account so that my score will be in correct position thank you sir
Consumer complaint received 2024-04-20
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: EQUIFAX, INC. (TX)

XXXX, XXXX XXXX. XXXX has run my credit on XXXX without my authorization. I did not authorized XXXX, XXXX XXXX. XXXX to run my credit.
Consumer complaint received 2017-11-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In a letter from Vice President XXXX XXXX he stated that his company did not receive my certified mail. Attached is the letter from VP XXXX XXXX and the confirmation from USPS confirmation of delivery. In the letter he also stated that my phone number and email matched. In general if someone used a person 's information that information would match. I am shocked that the VP XXXX XXXX would make that statement to verify an account. The statement and the proof of delivery that I provided shows that the VP XXXX XXXX did not do a accurate investigation or that he will lie to not do a proper investigation to close a case. So I ask did VP XXXX XXXX lie in his letter to avoid not responding in the 30 days and in this case the 9 months. Did my letter get tossed in the garbage like many by VP XXXX XXXX. The law states 30 days and I 'm sure VP XXXX XXXX saw this and noticed it 's been 9 months. So I ask VP XXXX XXXX where is the certified letter, I provided supporting documents. Once again the letter VP XXXX XXXX submitted is a LIE.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft. Please delete or remove these items on my behalf.

These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2024-04-15
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. (SC)

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 XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-03
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. (TX)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX  ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$260.00} ), XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$300.00} ), XXXX XXXX XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, High Balance {$440.00} ), XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, High Balance {$340.00} ), XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX, Open Date XX/XX/XXXX, Highest Balance : {$5000.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Phoenix Recovery Group (FL)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

According to FCRA laws 15 U.S.C. 1681, there are items reported on my credit report that do not belong to me and must be removed. An FTC report has also been attached for items that does not belong to me. This is hindering me from buying a house and it is extremely frustrating.
Consumer complaint received 2024-01-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Centron Services (MT)

I have sent 2 certified letters to XXXX, XXXX and XXXX XX/XX/23 and XX/XX/23 requesting proof of my wet signature on my appointments. I know that the hospital had sent a request for payment to my insurance for at least 1 appointment that I had never seen that provider before. They are also trying to bill me for bills on my deceased daughter that was double insured. I made an appointment for XXXX at XXXX XXXX XXXX XXXX to serve me and he never showed up. This was after he contacted my HR to find out how to serve me and now he has contacted my HR again and has not reached out to me for months. I work for this hospital and know for sure that they are not even billing the patients they are just sending them to collections ( I have been told that by billers in our organization ). I have not gotten any bills from XXXX XXXX. I have been insured the whole time working for them and want proof that they are not trying to collect on something that was paid for by insurance. I have had hundreads patients complain to me about the harassment by this Credit Collection agency and XXXX XXXX not billing properly or getting paid by the patients insurance then they are asked to to be paid on top of that. i have applied 2 times for financial assistance and never received anything back from the hospital other than an email on my work email confirming the second attempt to get help. I also have not been given proof that any of these bills are not bills that my attorney has paid for from an car accident I was involved in. What they are doing to patients is discussing. XXXX XXXX XXXX XXXX thinks they can get away with harassing patients because it's Montana and patients don't know any better. I have also gotten a divorce and have no proof that what they are trying to collect on is not my ex husbands responsibility.
Consumer complaint received 2024-02-12
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC. (TX)

Received email with a 1099C ( Cancellation of Debt ) form that was filed with the IRS. I have never heard about this company, Enova International, or ever took a loan out with them. Debt is for {$1400.00} dollars. Have called them every day since I received the email with no response or have the phone calls been answered. Waiting on Sheriff 's office to file a report of Identity Debt.