davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (TX)

I tried to withdraw {$400.00} from and atm and the funds were not dispensed. The receipt that came out of the machine shows funds dispersed but I did not receive anything. Called chime and they stated that the transaction was pending and to allow it time to see if the transaction is going to settle or cancel out. The business owner also tried contacting the atm phone number and stated that the number was not working. Im now stuck with limited funds for the week and I have to pay for things on credit due to this transaction not successfully processing. This is a nightmare and I feel like Ive just lost {$400.00}.
Consumer complaint received 2022-12-12
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)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This account has several errors. The payment history and date last activity are inaccurate as the references to late payment. I was never late in paying. Under the Fair Credit Reporting Act, Im going to have to request proof of last payment and payment history. You are reporting false information and I believe the company is violating Sections 616 & 617 of the FCRA, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the item from my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please update or correct the late payment from this account. 
XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2018-06-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: JPL Recovery Solutions (CA)

On XX/XX/XXXX this company called me and then called my exhusband, and they only said, This is XXXX and they needed to ask questions about an investigation. I looked up their number online and it is JPL recovery. They did not state what company they were calling about or what money is owed. Only she needed to ask questions about an investigation. Today XX/XX/XXXX my brother that lives on northern part of this state text me saying this same XXXX left him a message saying she was researching some informing an individual that he knew .I have applied for some loans but never left my brothers name and certainly not my ex husbands name. .I called that number and I can only leave a message, nobody answers. They are harassing me and my family. They need to be put out of business.
Consumer complaint received 2023-08-08
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

7. Please remove it from my credit report. 
XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

8. Please correct/update this inaccurate information on my credit report. 
XXXX XXXX  XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

9. Please correct/update this inaccurate information on my credit report. 
XXXX XXXX  XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (FL)

There are 4 late payments showing on my credit report from Nelnet on two different loans. These loans were in forebarance and there was an issue with the forebarance continuance. The continuance of the forebarance was corrected ; Nelnet stated all late payments were to be removed. 2 years later and multiple disputes they will not remove them.
Consumer complaint received 2022-11-10
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. (PA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 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.
Consumer complaint received 2023-07-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Business & Professional Collection Service Inc (NV)

Not billed corectly to the respected insurers at the time. I contacted the collection agency requested and received the the individual providers involved. the Information I received are for bills that are years old. the wording on the bills is the same and very, very unclear on each of 5 different bills that are lumped into the one bill. Again they all repeated the exact same wording. and are not clear as to payment received by the insurers I've contacted both insurance agency 's involved and both have no record of these claims being submitted properly, again some of these go back 5+ years and are no longer valid for any coverage. 
I've notified the collector several times I'm disputing these bills and that I do not owe them any thing
Consumer complaint received 2023-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AL)

I'm a long time customer with Wellsfargo I have a personal and business account with them. My complaint is Wells Fargo has closed most of their branches and has made it difficult to access ATM 'S. Foreign ATM 'S charges fee 's I live in a low to median income area. I notice others has notice that WellsFargo has multiple banks and ATM XXXX in XXXX areas but. not minority areas. This is clearly discrimination toward minorities and income brackets. I resides in the XXXX zip code the population here is XXXX the nearest bank is 15-20 minutes away. That wasn't always the case.
Consumer complaint received 2023-09-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PLANET HOME LENDING, LLC (VA)

Planet Home Mortgage apparently bought my VA mortgage from XXXXXXXX XXXX in XXXX. They are stating they converted this loan into a conventional loan without my signature or closing. 

Attached are closing documents for ( XXXX ) Documents clearly state VA mortgage. 
Loan ID # XXXX MIC # XXXX In XXXX, I did a VA loan modification with XXXX XXXX 
Attached are the documents. 

Principal and Interest : {$1300.00} Estimated Escrow : {$330.00} Interest Rate : 3.250 % In order to solidify the loan modification, I had to make 3 consecutive payments of the new loan modification agreement, which I did. ( See checks attached ). 

I have been in contact with the VA several times and the adamantly state Planet Home nor any other mortgage company can change the status of the loan from VA to conventional on their own without consent. 

They are trying to raise my monthly payment from {$1600.00} ( agreed in loan modification ) to a conventional rate of {$2700.00}. Again the VA stated this is preposterous and can not be done.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

HERE IS MY REPORT OF IDENTITY THEFT AND FRAUD I would like everything that i have asked for be removed since i have provided the requested information, and they did not have my written permission to furnish my consumer report, and do not have the right to report this unlawful incorrect information. A written consent as of the " FCRA '' I never gave written consent to any of those accounts.
Consumer complaint received 2023-09-04
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. (PA)

My name is XXXX 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 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Good afternoon, In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late and purpose. 

Please assist! 

Thank you XXXX XXXX XXXX
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (CA)

Account not mine, never done business with this company and I told them that, and now I have submitted police report and trade commission report 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-11-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dynamic Collectors, Incorporated (WA)

I have tried to get in contact with them a number er of times ... I was doing very good on paying it off then I lost my job, tried to reach out to them to left them no and received nothing. When I finally did I asked if I could get a resolution amount which I didn't receive. And then got documents that I'm getting garnished
Consumer complaint received 2023-11-05
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. (GA)

Ive been disputing the inaccurate and Incomplete information for 10 months now. Ive ask the agencies to prove proof of verification and I keep getting a generic letter stating its been verified. The order Agencies found the problem and deleted the accounts from my credit report. i need to know how trans union method of verification?
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-11-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MT)

I purchased an airline ticket for a convention I needed to be at in XXXX. There was an offer for a discount on the ticket if I applied for their credit card. I got the card and purchased the ticket, for a total charge on the card of {$2200.00}. I later lost the card that was sent to me and requested a new one. The customer service agent asked me about a balance transfer. I specifically stated that the only charge on the account was the airline ticket I had purchased, stating that should be the only charge on the account. The agent then filed a dispute, that I did not request, with the airline resulting in my ticket being cancelled, without my knowledge or consent. I was made aware of this only days before my scheduled trip when I received a notification that my credit card balance was now XXXX. I reached out to both the credit card and the airline, both of whom blamed the other party for the problem. I was forced to purchase another ticket, then change that flight, get a bit of a refund to the card from the airline and finally was rescheduled back to my original flight. The one I agreed to pay {$2200.00} for. Since then I have been trying to get this settled with the credit card company. I have paid nearly the total amount of the original {$2200.00} for my flight yet my balance is still almost {$4000.00}. For a {$2200.00} flight. I have spoken with multiple agents, over many months and it seems each time I do, my balance increases. This has been a very distressing situation. The credit card agent made the mistake and yet the credit card company is charging me three times the value of the ticket I purchased.
Consumer complaint received 2021-05-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

I had requested a Loan Modification for my mortgage loan. During the process I was informed I did not have to make a payment until the Loan Modification was completed. Unbeknown to me was that the Lender had filed a Notice of Default [ " NOD '' ] and a Notice of Sale [ " nos '' ] during the Loan Modification process. At no time did they inform me that they had field a NOD or NOS. 

There were fees they required for me to pay in advance, like for homeowner 's insurance, but they never credited me for the payment nor have they refunded the fees paid. They have been very difficult to contact and they have stonewalled me repeatedly.
Consumer complaint received 2024-04-04
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. (NC)

I am writing to follow up on my ongoing dispute regarding unauthorized inquiries on my credit report. Despite my previous communications, I am disappointed by the lack of progress and satisfactory resolution to my request. It is evident that there has been a lapse in your process, as I continue to receive same credit report including these unauthorized inquiries that I requested for their removal.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My car company was fully aware that my car was totaled. They receive both a check from the insurance. My account stated total loss as well as gap insurance that XXXX XXXX provided for me and they are the third-party sent their payment but yet they posted my payoff check as a payment two years later marked my account for being 30 days late. This caused issues with the insurance company. They have been waiting on the title for years and I'm looking at a possible lawsuit and they need to remove it immediately. They do not have the right to continue to try to make me look like I am making payments on a car was deemed a total loss by the lienholder, as well as the insurance company who paid them their money, and the title was security for the insurance company which I have not been able to provide They have been waiting on their title for years and I'm looking at a possible lawsuit and they need to remove it immediately. They do not have the right to continue to try to make me look like I am making payments on a car was deemed a total loss by the lienholder, as well as the insurance company who paid them their money, and the title was security for the insurance company which I have not been able to provide.
Consumer complaint received 2023-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (OR)

Went to the Well Wells Fargo bank today to get {$50.00} out of the bank and then and they told me that my account was closed and that I had a XXXX balance and I asked him why I have XXXX balance in my account was closed they couldn't tell me they told me you're making an appointment with the banker and come back on Monday I asked him where my {$300.00} went and they said there was a debit for {$300.00} and I said there can't be because I didn't make no debit for {$300.00} there are not believing me and anyway so I called the XXXX number tonight and they said they were going to they put a a suspected takeover account form and on my account
Consumer complaint received 2023-11-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I can receive several phone calls a day. 

The employee states, " You are not liable for this debt, and it is not on your credit report. 
Making a payment will make you liable again. Would like to make a {$39.00} payment on this debt? '' I do not know who is actually is actually calling me. It is a different phone number every occasion. I use the XXXX XXXX XXXX to report the harassing phone calls, but they continue. The caller ID states, " Portfolio Recovery, '' but I doub that name means anything at all. 

I don't ever want called several times a day on Sunday for a debt I am no longer liable for. It is offensive to my religious dignity to receive these calls while I worship God. The synagogue of XXXX loves contacting me repeatedly on Sunday and do not engage in this activity any other day of the week in such harassing way. 

My number is on the State of Florida of which I am a resident, and the Federal Do Not Call List. 

There is nothing I can do but be a victim of these harassing phone calls while I commune with God.