davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In XX/XX/2021 I was notified by text message of my debit card being utilized in a XXXX. The first and only alert I received I checked my online banking to discover 14 total transactions had been approved without my authorization. I reached out to my bank letting them know I didnt approve those transactions. I then was issued a new debit card and credit for the fraudulent transactions. I then received follow up saying my claim was denied, I put in a new request for follow up. I then am told that my request was denied again due to transactions being in places I frequent. I asked for further remark and received none. Now my account is closed due to me not getting the fraudulent charges removed from my account.
Consumer complaint received 2023-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (NC)

I mailed a check on XX/XX/XXXX for {$3200.00} from DC to my sister in XXXX Washington, and gave my daughter a check for {$3200.00} on XX/XX/XXXX, intending to close out the checking account for my mother 's trust ( she died in XX/XX/2021 ), which had a balance of {$6400.00}. On XX/XX/XXXX, received email from Wells that account was overdrawn by {$1000.00}, and discovered that check mailed to my sister had been altered to {$4200.00}, and payee had been changed to XXXX XXXX. Immediately called Wells and reported fraud. They would not email me affidavit to complete, which I only received by US mail on XX/XX/XXXX. Completed affidavit, had it notarized and returned certified mail XX/XX/XXXX, and it was received by XXXX XX/XX/XXXX. After numerous call to their fraud department, finally got call from investigator today, XX/XX/XXXX, who said I have to wait until they recover funds from bank which accepted fraudulent check in order for them to credit my account the {$4200.00} They agree it was fraud -- the handwriting in the altered amount and the name were clearly different than the rest of the check, and I should not have to wait for them to get their funds, as they accepted a fraudulent check. I did nothing wrong. When I mailed it, the check was inside a paper addressed to my sister and not remotely visible.
Consumer complaint received 2017-03-31
Product: Bank account or service — (CD) Certificate of deposit
Issue: Making/receiving payments, sending money — 
Company: POPULAR BANK (IL)

I have already issued a complaint # XXXX against Banco Popular but apparently I did n't make my complain clear. You will note on the highlighted sentences from Banco Popular 's response that they said my interest is compounded daily. But they pay the SAME interest of {$120.00} plus some cents monthly. Is that COMPOUNDED INTEREST? I have called numerous times to no avail. People say they 'll check into the issue and call me back, but I do n't hear from them. When I suggested they then return my money I was told the charge to do so would be {$1000.00}. Although a return of my money would be my first preference I suggested since they are paying no compounded interest they could send me what interest already has accrued and then monthly ach the interest since they are not compounding it.
Consumer complaint received 2024-02-28
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: Experian Information Solutions Inc. (TX)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am formally filing a complaint against XXXX and Experian regarding their failure to appropriately investigate disputes related to XXXX  accounts on my credit reports. Despite repeated attempts to rectify inaccuracies on my credit reports, both credit bureaus have neglected to conduct thorough investigations, and the discrepancies remain unresolved. Attached to this complaint are copies of my XXXX XXXX reports, highlighting the inaccuracies specifically related to XXXX accounts. These discrepancies are causing significant harm to my creditworthiness and financial well-being. I have made diligent efforts to bring these issues to the attention of XXXX and Experian through the proper dispute resolution channels, but the responses received thus far have been inadequate and lack the necessary investigation.
Consumer complaint received 2023-05-13
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX XXXX files a claim with unemployment and i recieved one check from bank of america i filed claims after claims and the bank has not paid but 4 claims of mine then i have not recieved anything from them i called bank of america for over three years going back and forth with the bank i have filled police 5 reports i have sent 2 letters and copys of my id because the bank had no id for me so they did not know what i looked like the money was taken out of a bank i never ever used i wrote bank of america a letter and explained that to the bank well the other day i called up bank of america and asked to talk to claims i talked to a XXXX from texas he asked for me to give him the claims numbers i had i told him i have over 30 claims so he said to give him 5 at a time and i did that well after the second claim number he asked me to repeat the second claim number again i did he told me that was not my claim number it had belong to someone else it came up under some one elses name i told him how was that when i got the claim numbers from a person that worked at bank of america he said he was not sure but that it was not mine thats all he knows well a few days passed and i called up bank of america and there was a recording and it said that i could not talk to no one about claims until after XX/XX/XXXX that they where doing maintenance on the computer so we can call after XX/XX/XXXX after XXXXXXXX XXXX so i did and thats when they had told me that all my claims where paid and that they where marked off that someone signed them off but they where never paid so im asking you to please help me because they took all my unemployment
Consumer complaint received 2023-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

I am XXXX veteran exempt from property taxes. I have submitted necessary paperwork to SPS for decrease mortgage since property taxes do not apply. However, SPS has not done this since my submission in XX/XX/2023. I have made several attempts to contact SOS for assistance to resolve this issue and nothing has been done. I can not contact to escrow department and neither can persons at XXXX. 
I have always been told the process will take XXXX days but this has been an issue since XX/XX/2023.
Consumer complaint received 2023-01-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Hi- I submitted a XXXX complaint to XXXX and Transunion about XXXX XXXX charge off, account # XXXX, that is not mine that has been on my credit report over 30 days ago now and it's still being reported, also their investigation is still either ongoing or not even started as I received no response from them at all. 

Please also note a few months ago XXXX validated that the account was NOT mine and REMOVED it off of my XXXX credit report. I'm not sure why XXXX and Transunion are not being compliant or co-operative. Nonetheless I warned them about a 30 day demand to comply in the same letter mailed out to them since XX/XX/2022.
Consumer complaint received 2017-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (VA)

On  XXXX / XXXX /  XXXX   I requested to wire money from my  Citi checking account to my   XXXX   XXXX   account. On    XXXX  I received a message to call  Citi to confirm the wire. Citi refused to wire out the mo ney, even though beneficiary is myself. They do not want me to get my money.
Consumer complaint received 2016-06-24
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Global Recovery Group (KY)

Contacted my husband and my parents threatening to present me with legal documents and arrest. 

I told them I had no knowledge of the account and they were unwilling to provide me anything other than the amount. Would n't give me an address or name of company.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

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 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 2021-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX send a letter to all Three Major Credit Bureaus to inform that due to COVID i had a no payment requirement from XXXX through XXXX. Payments should be changed from late payments - XXXX shows 30 days late, XXXX through XXXX shows 60 days late. THis should be changed to on Time or NA so that it does not impact my score. I have been negatively impacted and it is affecting my ability to obtain credit for a home. XXXX XXXX send notification to XXXX, Transunion and XXXX so that it can be updated. Please remove this inaccurate information from my credit report immediately. 
This account was handled incorrectly with XXXX XXXX causing me to pay more than what i had to pay every month. XXXX XXXX agreed to remove the late payments and update as positive. Please update the late payments from XXXX through XXXX.
Consumer complaint received 2023-02-12
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. (NC)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 : XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 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 : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse items of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries. 
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
Consumer complaint received 2017-04-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BQ & Associates, P.C., L.L.O. (KS)

in the state of Nebraska, XXXX county XX/XX/XXXX, I was sued by Brumbaugh a & quandahl for a debt for a creditor XXXX ( which was sued for illegal debt collection practices ), which they represented. the file number at their office is XXXX. I was unable to pay the debt until XX/XX/XXXX. I contacted their office and they said that they do not have anything to do with this account and told me to send the court in Nebraska the money owed and since they are not associated with this account, they would have to return the negotiable item ( s ) I sent them, which were checks for XXXX and XXXX the full balance XXXX, according to the XXXX county clerk office. I sent the court the checks as instructed and the XXXX county court verified they received them. however I never received the original checks I sent them or anyother form of reimbursement. I received a notice from the firm dated XX/XX/XXXX stating they now wish to settle this amount after they were supposed to send me my original checks back. I contacted their office in XX/XX/XXXX to ask where were the funds that I sent them to resolved this matter and they stated that they returned them to me, but I never received anything. Since I did not trust them, I stopped payment on the check on XX/XX/XXXX. i do not owe this amount anymore and their tactics should constitute a an illegal practice violation
Consumer complaint received 2023-05-13
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)

There is an inaccurate account ( " XXXX XXXX XXXX XXXX '' ) listed on my credit report and the information being reported does not belong to me. The Fair Credit Reporting Act states that only 100 % accurate information should be reported to my credit file. 

On XX/XX/XXXX, I purchased a credit monitoring service with XXXX and received detailed information on this account. According to the XXXX XXXX credit report, " XXXX XXXX XXXX XXXX '' has been inaccurately reporting a vehicle lease on my credit report since XXXX. I have never purchased or leased a vehicle through XXXX before. 

In XX/XX/XXXX, I settled this account because it was hurting my credit score very badly. At the time, I did not notice this inaccuracy until I just recently purchased the XXXX credit monitoring service on XX/XX/XXXX. I filed a dispute with Experian last year, however, this " vehicle lease '' information was and still is not obtainable through Experian.com directly, it only shows on XXXX. 

I contacted XXXX and obtained the Lease Agreement for this account. On page 3 of the Lease Agreement, it shows that this account is not a vehicle lease. Under the " definitions '' section on page 3, the description for this lease purchase is " XXXX XXXX XXXXXXXX XXXX XXXX '' Platform '' and also states on that same page " XXXXXXXX XXXX XXXX  '' was the name of the company who sold the property. As result of this documented inaccuracy on my credit report that allegedly violates my consumer rights, please remove this account from my credit file indefinitely. 

According to the Fair Credit Reporting Act, the law that governs the treatment of inaccurate or unverifiable information explicitly states : " In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : XXXX promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and XXXX promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2015-06-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Link Revenue Resources, LLC (IA)

First, this debt has been paid directly to the original creditor so this debt is invalid. Second, this company called me and my spouse using the number of an auto parts store in Minnesota. When answering, the lady was very rude, obscene and threatening.
Consumer complaint received 2023-05-13
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. (FL)

They are Illegally Violating my rights by reporting a Bankruptcy that they have yet to provide how they verified. This is causing harm to my report and hindering me from providing my child with the best life.
Consumer complaint received 2017-04-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY (IA)

According to Wells Fargo, the amount of student loan interest I paid in XX/XX/XXXX was {$110.00}. I thought this amount was low, so I went back through my statements for XX/XX/XXXX and added up the interest paid. I came up with {$650.00}, and that does n't included payments made in XX/XX/XXXX, as Wells Fargo did not issue a statement until XX/XX/XXXX. I contacted Wells Fargo on XX/XX/XXXX regarding the discrepancy in interest paid. They stated the matter would be resolved in the next 24 to 48 hours and I would receive a phone call. That time has passed and I have not received a phone call and after logging into my account with them, the interest paid for XX/XX/XXXX is still reported as {$110.00}. Out of curiosity, I reviewed my statements for XX/XX/XXXX and manually calculated the interest paid. According to Wells Fargo the amount was {$230.00}. I calculated the amount to be {$810.00}. I ca n't help but wonder if my payments have been misapplied. Interest is income to the bank, but what they 're reporting to the government is far lower than what they 're collecting. I was a student at the XXXX, XXXX XXXX, Iowa, when I incurred this debt with Wells Fargo for the XX/XX/XXXX-XX/XX/XXXX school year.
Consumer complaint received 2017-01-22
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Auto Masters, LLC (TN)

I purchased an auto mobile from Auto Masters in XXXX. My down payment was XXXX dollars. I only had the car for two weeks before they repossessed it. They kept my down payment and I never was late on one car payment because one was never due. They then put a repo on my credit report that is now showing paid but there 's a judgement on my credit report for XXXX dollars. I want it removed. It was the auto masters off XXXX XXXX in XXXX XXXX : XXXX XXXX XXXX, XXXX, TN XXXX Hours : Closed today Phone : ( XXXX ) XXXX My name is XXXX XXXX XXXX and my DOB is XXXX/XXXX/XXXX and my social is XXXX
Consumer complaint received 2015-05-11
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (FL)

I purchased a brand new XXXX, side by side, refrigerator in XX/XX/2015. The ice maker quit producing ice in the month of XXXX, but because of the cold weather, we were unaware of this fact. The following month the refrigerator was not cooling properly and we notified XXXX directly. They ( XXXX ) sent a repair tech out to our home XXXX different times and he replaced the ice maker. BestBuy Consumer Credit company was contacted and a dispute was initiated. They have denied the dispute because I did not purchase an additional warranty through BestBuy
Consumer complaint received 2015-08-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: COLLECTIONS UNLIMITED OF TEXAS INC (TX)

Agent called my workplace. Agent was patronizing and arrogant. I explained the only thing they needed to know is that I could not make a payment and Agent stated I needed to take care of this debt. I told the agent not to call me at my workplace anymore. She stated they could send letters and call me at my workplace. I again stated I did not want them to call my workplace again. She was rude aggressive. Call took place Wednesday XXXX/XXXX/2015 around XXXX XXXX.