davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-10
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc (AL)

Ask for 70 % reduction did not wo n't to negotiate.I am on a fix income trying to improve my credit it ab out six years old .So I have it removed my credit file.If paid they said they would not removed my credit report.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (NV)

Around the end of XXXX, I applied for an American Express delta gold card online. I was approved and upon approval, they gave me a digital card which the numbers were diff where as the digital version didnt have your delta sky miles number on it. So two months later after getting the physical card, I said lrts Use it. and they go declined so after I apply online then applied delta skymiles number called XXXX to put it on my card which they did.after all that, some XXXX XXXX transfers me to no XXXX XXXX or XXXX XXXX from XXXX. So after three min Id usually say to XXXX him off I said but I go can you repeat what you just said to long story short XXXX boy goes theres a question to verification of who I am. And this after temp card skymiles physical card no one called me no one wrote me a letter and god forbid I use constitution as something I go thats not legal. The affordable care act mandates ins companies to give a consumer thirty day notice if they will terminate their twelve month contract. Sure changed contract law so in a court of law my application comined with XXXX ending me physical card = contract. So now I hold to the physical card went to noteary got XXXX motorized proof I am who ya approved card for so XXXX goes XXXX XXXX cancels my card and never told me why. Thats legal have you ever heard of the intelligence identification protection act? When XXXX ever go approved actually cancel w/I bankruptcy being the deal breaker. I didnt charge XXXX dollar who needs tell me my acct terminated?
Consumer complaint received 2023-03-02
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. (CT)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CT XXXX ; XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$820.00} ; ( Original creditor ) XXXX Date opened : XX/XX/XXXX Balance : {$28.00} ; ( Original creditor ) XXXX Date opened : XX/XX/XXXX Balance : {$40.00} ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; AR XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX.
Consumer complaint received 2018-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have contacted all three agencies via phone and certified mail in regards to an account credit first. This account was paid and now it is reporting derogatory on my credit file .... i have requested any and all information on how this was added, verified etc and NO COMPLIANCE ... this account is INACCURATE and per FCRA any inaccurate information MUST BE DELETED FROM FILE ....
Consumer complaint received 2018-01-02
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. (CA)

I have tried correcting information with two separate companies XXXX and Transunion. 

Transunion corrected one of my errors but left the other in tact. Since then I have tried making contact with them multiple times, but every time their systems are " down '' and they ca n't process my request. These error need to be fixed but this company shows no interest in upholding their legal responsibility in this matter. 

As for XXXX, their systems have refused to verify my identity. The free credit report they provide does not contain information that they require to file a dispute. I have tried multiple avenues of filing a dispute only to run into an unnecessary roadblock along the way. I believe XXXX is not upholding it 's legal responsibility to consumers by making their system impossible to navigate.
Consumer complaint received 2018-03-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Federal Credit Control, Inc. (OH)

First Federal Credit Control is attempting to collect three past due amounts in duplicate. They have submitted duplicate entries to XXXX and XXXX, showing I owe twice as much as I currently have been making payments on. They first reported the amounts on XX/XX/XXXX and then repeated the amounts as separate entries on XX/XX/XXXX. First Federal Credit Control needs to correct their mistake on both XXXX XXXX and XXXX.
Consumer complaint received 2018-03-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Continental Services Group, Inc. d/b/a ConServe (NY)

On XX/XX/2017, a representative from ConServe, located at XXXX XXXX XXXX XXXX XXXX, XXXX, ny XXXX contacted me and threatened to report my collection account to the credit bureaus if I did not resolve the account by XX/XX/2017. I had been working with an attorney to resolve the debt and referred the representative to speak to him so we could reach a settlement. A settlement was reached before the date the representative had set on the phone, yet conserve has still been reporting my account to the credit bureaus. Initially a monthly payment agreement for the account was agreed upon, but the account has since been paid in full. Conserve negotiated this agreement in bad faith and has collected the full amount, and reporting the information to the credit bureaus serves no purpose other than to damage my credit.
Consumer complaint received 2023-05-19
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. (NJ)

Hello, Im trying to dispute this beacuse I already contacted the collection agency and the credit bureau -Experian previously on couple occasions with this letter : XX/XX/2023 To : Experian, XXXX XXXX XXXX, XXXX XXXX TX XXXX Dear Experian, I requested a debt validation for account number XXXX, XXXX XXXX XXXX  for amount of {$570.00} This is what I received from debt collector. ( Please see included paperwork ). List of diagnosis codes for medical procedures but NO HIPPA RELASE FORM. Without a copy of signed HIPPA release form how did they have access to my medical records. Clearly with this my HIPPA rights were violated by this collector because of information they sent to me, and this collection needs to be removed. I never signed contract with this debt collector. 
I also called them over the phone and they initiated re investigations on dates : XX/XX/ However their reply was always : Verified!
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 — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 


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 2023-01-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (ID)

Money was taken wrongfully out of my account putting it overdraft I dispute the problem money put back in then taken out of account again putting it even more overdraft I had to close my account leaving it with the overdraft I lost my home leaving me homeless and still pretty much homeless
Consumer complaint received 2017-05-10
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. (NJ)

I reached out to Experian and  XXXX   XXXX  to get the information on my credit report updated and accurate. I asked for them to please send me verification of the debts I am contesting according to the Fair Credit Reporting Act, Sectio n 609 ( a ) ( 1 ) ( A ), yo ur company is required by federal law to verify - through the physical verification of the original signed certified consumer contract. I received letters back that they had verified them but I did not get any documents with signatures or proof in regards to these debts.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, 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. (GA)

All inquiries from XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not factual and do not belong to me.
Consumer complaint received 2023-01-06
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: EQUIFAX, INC. (LA)

I am a victim of Identity Theft and there is inaccurate unknown, employment, accounts and addresses that are not mine. These companies are also still reporting information on these closed charged off accounts. Please remove immediately.
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo was incorrectly charging my account, upon requesting funds to be reimbursed I was denied, I then attempted to close out my account, they would not pay me the balance I had in my checking account due. They closed my account and kept my money.
Consumer complaint received 2018-10-08
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MD)

It has come to my attention that as a result of a dispute with XXXX and XXXX my credit report has been smeared. On XX/XX/2018 I notified the banks that I dispute all charges related to credit cards issued by the aforementioned banks. 

I explained that the accounts were not opened by me and my personal information was compromised. I never had possession of these cards and I never authorized anyone to open or use these accounts. 

The aforementioned banks gave no consideration to my statements and facts described in multiple letters dated from XX/XX/2018 to the present and rejected my claims. 

I continue to dispute all charges of these accounts. I request the immediate restoration of my credit report to reflect my excellent history of accountability and responsibility in all my financial transactions either it is credit cards, auto loan or rent payments.
Consumer complaint received 2016-09-23
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (TX)

I had applied for a home mortgage at wells Fargo bank and got a appraisal thru them to start the process, half way thru the home mortgage loan it was declined. my next move was to look for a new mortgage broker and lender so i did find XXXX. My new home mortgage loan is about 95 % complete and the only thing holding us back from closing on the property is an appraisal transfer from wells Fargo. my lender, mortgage broker and i have requested to wells Fargo to transfer the appraisal but they have refused this request. My issue is wells Fargo not providing the appraisal transfer to my new lender as requested which i feel very disappointed of this, since i cant close on the house which there 's a possibility i can lose the house. I dont know my legal right for this type of situation but i feel like wells fargo has not meet the needs of the customer and would like to exercise my rights.
Consumer complaint received 2016-10-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION (CA)

Regarding Navy Federal Credit Union XXXX and Savings account number XXXX and denied me access to my Veterans Administration XXXX check last XXXX XXXX, 2016. Moreover, NFCU took it upon themselves to pay loans owed to them and have move funds from my savings to checking to cover distribute to at their discretion without my consent. And have charged me multiple insufficient funds fees for loans that were carried by NFCU and others knowing that no funds were available as a result of their unauthorized distribution of my funds. I have been charged XXXX in insufficient funds fees collected by NFCU as a result of them withholding my funds.
Consumer complaint received 2016-04-14
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (GA)

I recently made XXXX minor debit card purchases which brought the balance in my checking account to a negative status. At the time that I checked the account online there were no fees assessed, so I withdrew the necessary funds from my savings account to bring the checking account to a positive status. 

Two days after I made the transfer, they still applied the {$35.00} fee to each purchase - bringing the total in fees to {$140.00}. After discovering the fees, I then called the bank about it. At that point they reduced the fees to {$26.00} for each transaction, which they referred to as a partial reversal. 

My issue with the matter is that If I made a transfer ( from an account with the same institution ) which brought the status of the account to a positive status - BEFORE they assessed the overdraft fees - why should I have to pay any fees? 

Any help in clarifying this matter for me would be greatly appreciated.
Consumer complaint received 2017-03-15
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ad Astra Recovery Services Inc (TX)

They are saying that i owe this debt, that they say i owe them. I have send " General Affidavits '' to them as well, and asked them to send me my signature baring that i owe them, they can not provide proof of contract stating that i owe them.I am seeking out a lawyer on this situation. Its has ruined my credit, all because of them not validating what i have requested for them to send me.
Consumer complaint received 2018-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (NJ)

On the afternoon of Wednesday XXXX XXXX. I entered the PNC Bank located on XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. I was investigating a ( NSF ) fee of {$36.00} that had been placed on my account on XXXX XXXX. 
The fee had been placed on my account after a {$1000.00} check had " bounced '' and all the money was returned to my account. I spoke with a female representative within the XXXX branch # in her office about how I should resume to pay the bill in which the Check was intended. She then picked up the phone and called " back of house '' to see if they could waive the ( NSF ) fee. They began to tell her that there was nothing they could do about the bounced check and she would have to contact her manager to request a refund. She asked me if it was my first ( NSF ) fee & it had been. The {$36.00} request was denied. I then proceeded to tell her that PNC had been nothing but trouble lately and I would like to close my checking account IMMEDIATELY! Without any hesitation she said " okay, I 'll close it personally TOMORROW ( XXXX ). I 'll write you a withdrawal slip NOW and I 'll close it first thing TOMORROW ( XXXX ). 
She wrote the withdraw slips for {$1100.00}. I signed them & walked out of the PNC XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX with my money, a {$0.00} card balance and trust in the bank representative. 
On the afternoon of XXXX XXXX. XXXX XXXX XXXX I get an email. My account is - {$36.00}! How? Apparently the ORIGINAL " bounced '' check # XXXX from XXXX XXXX that was returned to me, was put thru AGAIN on XXXX XXXX. Now, I have NEVER heard of a bounced check having the ability to be pushed thru the system multiple times. Nor did the PNC agents warn me of that. Now I have TWO -  {$36.00} ( NSF ) Fees on my account TWO bounced checks and ONE bill that still has n't been paid. Now I 'm entirely irritated that this bank representative had ZERO understanding of her own job and that she 's allowed to manipulate customers into paying more fees. She should have known the check # XXXX had the ability to be sent thru again in just a few short days, allowing me to keep my money within the account to successfully complete the payment. She NEVER explained why she was waiting 24hrs to close my account. She also neglected to notify me that my account was overdrawn or that the check had been attempted once more apon the " attempt '' of closing my account XXXX XXXX.
Consumer complaint received 2024-03-27
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: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Re : Dispute of Account Information - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am writing to formally dispute the information on my credit report regarding my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to the information provided in my credit report, it appears that there is inaccurate reporting concerning the status of this account. 

On XX/XX/XXXX, I received correspondence from XXXX XXXX XXXX, the Vice President for XXXX XXXX at XXXX XXXX XXXX, regarding the resolution of issues surrounding my ownership and privileges associated with my account. The letter confirmed that an agreement had been reached, resulting in the forfeiture of all rights and privileges concerning my ownership, and the repossession of points associated with my account. Additionally, the letter stated that XXXX XXXX XXXX had closed the case related to my account. 

Given this settlement and closure of the matter, it is evident that the information currently reflected on my credit report does not accurately represent the status of my XXXX XXXX XXXX account. Therefore, I am formally requesting that Equifax conduct a thorough investigation into this matter and correct the inaccurate reporting on my credit file accordingly. 

I kindly request that Equifax : Review all information related to my XXXX XXXX XXXX account ( Account Number : XXXX ) to verify the accuracy of the reported status. 

Update my credit report to reflect the settled status of my account, as confirmed by the letter from XXXX XXXX XXXX, Vice President for XXXX XXXX at XXXX XXXX XXXX. 

Provide me with a written confirmation once the investigation is completed and the necessary corrections have been made to my credit report. 

Enclosed with this letter are copies of the correspondence from XXXX XXXX XXXX, as well as any additional documentation that may support my dispute. 

I appreciate your attention to this matter and prompt resolution. Please do not hesitate to contact me if any further information is required. 

Sincerely, XXXX XXXX XXXX : Copy of letter from XXXX XXXX XXXX, Vice President for XXXX XXXX at XXXX XXXX XXXX Any additional supporting documentation
Consumer complaint received 2017-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (OH)

XXXX   XXXX   duplicate charge on account. called to dispute told it would be credited back to account. Monday   XXXX   XXXX   no credit in account. Called again and given a credit of  XX/XX/XXXX  Woke up Wed   XXXX   XXXX   the credit for   XXXX    vanished without a trace, there was no record it ever went in or came out at all, and I received a letter dated    XXXX   XXXX     stating that the credit had been given and " If we decide the charges were correct, we 'll let you know before we reverse the credit. '' Chase bank did not let me know before they reversed the credit and bounced  XX/XX/XXXX  checks I wrote to the state   XX/XX/XXXX   which could have caused me criminal charges for passing bad c hecks.