davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (MD)

On XXXX XXXX, after logging into my XXXX XXXX XXXX account, I noted a withdrawal of XXXX from my checking account. I immediately call XXXX XXXX XXXX and was informed by a XXXX XXXX XXXX representative, the withdrawal was from my PayPal account, On XX/XX/2024. I called PayPal customer service and spoke to a representative and informed him of what had occurred. The representative stated the investigation would take 10 days to complete, I asked to speak to a supervisor, The supervisor stated the transaction was made from my device. I informed her that i did not make a purchase with XXXX XXXX. The same night without investigation my claim was denied, I then contacted my bank, XXXX XXXX XXXX and informed the bank representative of what occurred, I filed the claim with the bank. and XXXX XXXX XXXX Refined the funds. I now have a negative balance with PayPal. I filed a second dispute with PayPal, and it was denied, I asked for proof of the investigation, and have not received proof. I have received emails from the collection division of PayPal requesting payment for fraudulent charges of {$410.00}. Please advise or assist me in this matter.
Consumer complaint received 2023-04-16
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. (NY)

XX/XX/2023 i have noticed fraud accounts and inquiries these accounts and inquiries must be removed now account name : XXXX XXXX account # : XXXX date open : XXXX last date active : XXXX last payment date : XXXX incomplete account is ground for removal " fair cares act ''
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Continental Finance Company, LLC (TN)

I entered a XXXX management program with XXXX XXXX XXXX. They have sent a payment to XXXX XXXX XXXX and they processed the payment. They accepted the check therefore they should have changed the payments and not charged me a late fee.
Consumer complaint received 2017-05-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Broward Adjustment Services (FL)

On  XX/XX/2017,  i received a call from a representative from  BAS Management  by the name of  XXXX   employee  ID :  XXXX  from telephone number  XXXX   XXXX   XXXX  at  XXXX  attempting to collect an alleged debt. I never received a dunning letter. I took the information, and proceeded to send them a letter requesting validation of the alleged debt. I then received a letter from them dated   XXXX     stating that i have n't made any payments on the account, therefore they will report it to the credit reporting agencies and completely ignored my validation letter. I personally contacted the alleged creditor and was informed that i do not owe the company and i have a receipt stating that i owe them {$0.00}. I sent them a letter again requesting that they validate the alleged debt again on   XXXX    .
Consumer complaint received 2023-04-16
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. (NY)

AS OF XXXX XXXX XXXX I HAVE NOTICE FRAUDELENT ACCOUNTS ON MY CREDIT REPORTS
account name : XXXX  self-reported
account XXXX XXXX  
balance:XXXX
last active date:XXXX
Consumer complaint received 2023-07-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

To Whom It XXXX Concern, I hope this letter finds you well. I am writing to file a formal complaint against Wells Fargo regarding their handling of my request to reimburse overdraft fees on my account. 

In late winter XXXX, I contacted Wells Fargo via phone to request a refund of the numerous overdraft fees charged to my account. During the call, I was informed that I could only be reimbursed a small amount under {$80.00} ( I can not recall the exact amount, but it was under {$80.00} ). This amount did not adequately address the issue, especially considering the circumstances surrounding the overdraft fees. 

Subsequently, on XX/XX/XXXX, I took further action by sending a fee appeal letter to Wells Fargo, reiterating my request for a refund and a waiver of the overdraft fees. In my letter, I highlighted the hidden clauses justifying these fees, which were concealed in extremely fine print. I expressed my surprise at such hidden fees, as I had never been aware of them. I found this practice dubious and unsettling as a loyal customer. 

I provided background information, highlighting my long-standing patronage of Wells Fargo and my consistent efforts to maintain a positive balance and responsible payment behavior. However, due to recent personal hardships and unexpected familial obligations, these fees have become an immense financial burden, making it increasingly difficult to maintain my loyalty as a customer.

Despite my sincere and compelling appeal, Wells Fargo replied, stating that they could not grant my request for a refund and waiver of the overdraft fees. This response was disheartening and left me feeling unheard and unsupported by the bank.
Consumer complaint received 2023-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have {$1200.00} in a capital one checking account, I have been trying to resolve this issue since XX/XX/2023. I called capital one again today to try to resolve the issue of getting my funds out of the account and the representative I spoke with told me that capital one is not going to do business with me. I would like to share that one of the checking accounts is negative about {$180.00}, capital one keeps calling about the account but will not let me get access to my money from the other account to satisfy this negative amount. Whenever I call I get a voice machine that tells me to leave my name and number but I do not get a response back. I do not believe that capital one is operating in good faith, as they are not giving me access to funds, and are not taking my calls but are still trying to collect. 

They told me to go into a location, I went into a capital one location in XXXX, I was turned away, they are not assisting with getting my funds. I have already contacted a lawyer regarding this matter. 
I was told the accounts would be closed and there is no frame to the conclusion of the cases being reviewed- as to when I would get my funds. 

spoke with XXXX on XX/XX/2023 who told me there is no conclusion to this case.
Consumer complaint received 2024-04-26
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: COLUMBIA BANKING SYSTEM, INC. (OR)

I sold XXXXXXXX XXXX at Umpqua bank XXXX Oregon on XXXX XXXX and was only given XXXX XXXX dollars. The correct exchange rate would equal approximately {$6100.00}, this was on XX/XX/2024. I can provide a receipt from the bank if needed showing all information.
Consumer complaint received 2023-07-25
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: SANTANDER HOLDINGS USA, INC. (GA)

Reporting company used your report improperly : Santander Consumer USA In accordance with 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 a account without my written instruction. 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX violated the cardmember agreement by refusing to allow me to make payments on my account. I am currently engaged with XXXX in arbitration over the matter. Despite this, XXXX has reported my account as delinquent.
Consumer complaint received 2021-04-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2023-07-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (FL)

I am a XXXX XXXX  whose home was destroyed in Hurricane Ian & my XXXX  is a XXXX. 14 days after the hurricane, our mortgage was bought out or transferred to M & T Bank. Ever since then, we have had nothing but issues with this mortgage company. Every time you call their loss draft dept, you get a different answer. Some of their agents are not trained right. 
It's been almost a year since hurricane Ian & we have completed extensive repairs to our home so we can move back in. Our home is approx 90 % done right now, however M & T Bank claims it's only 50 % done ( per their inspector ). Because of their inspectors report, they will not release any more insurance money to us. However, their inspectors have only done " remote '' inspections & have never been to our home. 
Last week I requested an in-person inspection be done and M & T bank cancelled my inspection request. Now they claim they need another " scope of work '' from my insurance co XXXX XXXX XXXX XXXX XXXX ) which went out of business in the state of FL. So now I have forced placed insurance thru M & T Bank but their agents don't seem to know that. One customer service agent tried calling my old insurance company, even after I told her I had forced placed insurance thru M & T Bank. 

M & T Bank seems to make every excuse so they can keep the insurance money as long as they can. I'm sure they " make money '' off of it.
Consumer complaint received 2023-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have repeatedly sent Transunion proof that these accounts are fraudulent and should not be reported on my consumer report. Transunion has continued to violate my consumer rights. I have sent in the proper documentation required and Transunion has failed to delete the accounts. Transunion is willfully failing to comply with federal law.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (KY)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-08-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Weltman, Weinberg & Reis Co., L.P.A. (KY)

I was contacted by a collection attorney claiming that I took out a loan with a company ( XXXX XXXX ). I did not initiate this loan. I have not seen any documents with my signature or proof that I accepted the loan. Now the collection attorney is trying to garnish my wages to pay for this loan.
Consumer complaint received 2023-08-13
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. (NY)

Experian Report Number XXXX Personal Information Listed are 10 addresses where as I only reside at one address. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX As I am aware of there should be only 1 address on my file. This has been causing mix ups with the Federal Postal Service regarding me receiving my mail. There are 3 Duplicates and multiple addresses which I do not reside. There are 10 addresses on file when there should be only 1 address. 

Also, I have asked them to investigate the following account regarding pertaining to me which I have no knowledge of. The following account are listed below. 

XXXX XXXX XXXX XXXX Account Number XXXX Date opened XX/XX/XXXX XXXX XXXX Account Number XXXX Date OpenedXX/XX/XXXX  XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXX Date Opened XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XXXX XXXX XXXX Account Number XXXX Date Opened XXXX XXXX XXXX XXXX  Account Number XXXX Date Opened XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Theses are unverifiable, Inaccurate and incomplete information., I am requesting them to delete these items from my credit file due to the above information regarding not doing an accurate investigation.
Consumer complaint received 2023-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

All 3 credit bureaus have been notified that they are reporting XXXX card payment on my credit report from XX/XX/XXXX as late. I have called and sent letters to XXXX to rectify the situation because I have never paid them late every month I have made a payment I have payment scheduled to show Ive contacted all three bureaus. No one has fixed this they have sent Correction over to the company. The company keeps sending it back as its valid. Finally I spoke to someone in XXXX. They said they sent a letter out XX/XX/XXXX acknowledging what I said is accurate, and that they are fixing it. Theyre telling me I should wait 90 days theres no reason for me to wait 90 days when this has been reporting eight months now and incorrectly and ruining my credit. The problem is still shows on my credit reporting all three agencies as a late payment over 30 days. Consumer law 15 USC 1681 permissible purpose, states that it is a violation to report anything these bureaus want on my report without my written consent. I do not give the consent I want this removed, and Marked paid as agreed for all months for all 3 credit bureaus.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

Hi there on XX/XX/2023 I was a victim of fraud on my personal banking and info I did all the measures required after the fact including contacting my credit bureaus to stick Fraud Alerts on my reports incase someone tried to pull my credit! 

So today XX/XX/XXXX I get an alert stating there was an inquiry on my XXXX XXXX via trans union for some XXXX financials! I IMMEDIATELY called the bureaus to deal with this matter - XXXX was not connected to it so I called transunion! I went through 6 different customer service reps who didnt take this seriously at all!!! The one actually laughed! 

They all told me it is what it is and I could go online fill out paper work and thats it! 

SO WHY DO WE HAVE CUSTOMER SERVICE AND WHY ISNT FRAUD TAKEN SERIOUSLY! So what now I wait months on feedback when someones is having fun trying to get loans, is this a XXXX XXXX  This is my personal Info someone has taken its extremely violating and TRANS UNION needs to deal with it in an URGENCY not fill out form will take a look at it when we can LIKE XXXX this should be taken care of immediately!! Ive never been so disgusted by customer service reps in my life! This isnt a joke or a laughing matter! Its my INFO AND someone is applying for thing nailing my credit and score!
Consumer complaint received 2017-05-02
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. (OH)

I sent a copy of an FTC affidavit of identity theft and a police report to all  XXXX  bureaus. By law they must block the information from my credit reports. To date, Transunion complied but  XXXX  has only deleted on account not blocked the information they were required to and I can not tell on  XXXX  if it has been blocked or not.
Consumer complaint received 2023-08-13
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Subject : Dispute and Request for Investigation of Inaccurate Collection Account Reporting - Account Number : XXXX To Whom It May Concerns, I am writing to formally dispute and request an investigation into the inaccurate reporting of a collection account from XXXX XXXX, bearing the account number XXXX. I have observed a significant discrepancy in the reported dates of last activity for this account across the three major credit reporting agencies : TransUnion, XXXX, and XXXX. The conflicting dates are as follows : TransUnion : Reported last activity date - XX/XX/XXXX XXXX : Reported last activity date XXXX XXXX XXXX  : Reported last activity date - XXXX  These inconsistent dates have raised serious concerns about the accuracy of the information being reported on my credit reports. In accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), I am exercising my right to ensure that the information presented accurately reflects my credit history and financial standing. 

I kindly request a thorough investigation into the collection account associated with the account number XXXX, specifically focusing on the reported dates of last activity. I am eager to understand how such varying dates were obtained and computed. The information reported by the credit bureaus significantly impacts my creditworthiness and overall financial well-being, and it is imperative that it is consistent and reliable. 

Enclosed with this letter, you will find copies of relevant documentation that provide substantial evidence supporting my claim of inaccurate reporting. I believe that a comprehensive examination of these materials will confirm the existence of discrepancies that require immediate resolution. 

I respectfully request that you conduct the investigation within the mandated 30-day period as stipulated by the FCRA. Furthermore, I kindly ask that you communicate the results of the investigation to me in writing. Should the investigation affirm the presence of inaccurate reporting, I expect the erroneous information to be promptly rectified or expunged from my credit reports, as per the provisions of the law. 

I am deeply committed to maintaining precise credit information and appreciate your assistance in upholding the integrity of my credit reports. Please do not hesitate to reach out to me via email or phone if you require any additional information or clarification regarding this dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-11-16
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. (AL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file is listed on my credit report. 
XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-10-27
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. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00}
Consumer complaint received 2023-06-02
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. (GA)

I am XXXX XXXX XXXX, XXXX XXXX/XXXX/XXXX, social XXXX. My current address is XXXX XXXX XXXX XXXX XXXX IL XXXX My previous address is XXXX XXXX XXXX XXXX GA XXXX My current phone number is XXXX XXXX XXXX Below is incorrect info on my credit report. I have already contacted this credit bureau concerning this. Per FCRA I am requesting my reports to be corrected. The following information is incorrect and needs to be deleted. 

Inquiry : XXXX XXXX XX/XX/23 ( identity theft report and police report submitted months ago ) Addresses : 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 Account : XXXX {$1200.00} charge off ( identity theft report and police report submitted months ago )
Consumer complaint received 2023-08-12
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. (GA)

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

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 : also states a consumer reporting agency can not furnish a account without my written instructions.