davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (OH)

This is about my problem with Wells Fargo credit card. I was overcharged, i.e. was double charged for the amount that I have already paid in the last month. 

On the last statement XX/XX/23 to XX/XX/23, I am incorrectly billed {$430.00}. 
What happened was that my payment for the previous cycle was not deducted from the total Purchases Amount. Wells Fargo billed me for the Total Purchases {$450.00} minus Cash Rewards {$14.00} which amounted to {$430.00}. However they didn't deduct my payment {$170.00} which resulted in billing me XXXX  for the same amount in XXXX consecutive statements. 

The right way to do it would have been : {$450.00} ( Purchases ) - {$170.00} ( Payment ) - {$14.00} ( cash rewards ) = {$260.00} - the correct amount to be billed. However I am billed for the {$450.00} - {$14.00} = {$430.00} which is incorrect. Whatever happened to my payment? It disappeared aka not deducted from the total Purchases.

I want this overcharge to be refunded.
Consumer complaint received 2023-08-04
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capio Partners, LLC (TX)

Urgent Complaint : Cease Harassment and Remove Inaccurate Entry To the ones who love to harass me when I am taking care of my elderly mother, I am writing to formally address a highly distressing and persistent matter regarding the actions of Capio Partners. The relentless harassing phone calls, occurring at inconvenient times, have reached an intolerable level of annoyance. 

These calls, both in the early mornings and nearly at XXXX XXXX every day, have disrupted my daily life and caused substantial distress. The repeated demands for someone named XXXX XXXX, and the refusal to identify the caller, add to the aggravation. I have consistently conveyed that I am not XXXX XXXX, yet the calls persist. 

I want to assert, in no uncertain terms, that I do not owe Capio Partners any money. This assertion is grounded in the fact that I maintain appropriate medical insurance and diligently fulfill my medical bills. I have explicitly requested Capio Partners to substantiate their claims by providing the original agreements and pertinent documentation, but their response has been evasive and unhelpful. 

The culmination of this harassment, unsubstantiated claims, and unresponsiveness is adversely impacting my credit score and financial standing. This state of affairs is wholly unacceptable.

Resolution and Immediate Action Required : 1. **Cease Harassment** : I demand an immediate cessation of all harassing phone calls, ensuring that my privacy and peace are respected. 

2. **Inaccurate Entry Removal** : I request that the collection entry and delinquency attributed to me be promptly and permanently removed from all my credit reports. This erroneous entry is harming my creditworthiness and must be rectified. 

XXXX. **Cease All Communication** : I assert my rights under relevant legislation to be free from further communication from Capio Partners XXXX Any future contact will be considered a violation, and appropriate legal measures will be taken. 

I am deeply frustrated by the ordeal I have been subjected to, and I strongly urge Capio Partners to acknowledge the gravity of this situation. My intention is not to merely voice discontent but to secure tangible and necessary resolutions. 

Failure to take immediate action to address my concerns will leave me with no option but to escalate this matter further, which I genuinely hope can be avoided. 

Please ensure that this complaint is treated with the urgency and seriousness it deserves. I expect a swift resolution and your commitment to restoring my credit reports and financial well-being. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-19
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)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX Date Opened : XX/XX/XXXX XXXX : {$1600.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00}, and CXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance XXXX {$1900.00}.
Consumer complaint received 2022-12-13
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. (MD)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-10-19
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: EQUIFAX, INC. (TX)

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 U.S.C 1681. 

Account nameXXXX. Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Amount {$1900.00} : Updated : XX/XX/XXXX Account nameXXXX. XXXXXXXX XXXX XXXX XXXX  XXXX {$880.00} : Updated XX/XX/XXXX Account XXXX. Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Amount {$920.00}. Updated : XX/XX/XXXX has violated my rights my accounts. 15 USC 1681 section 602 A. Statues 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 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 Any other adverse item of information.

Other than the records of conviction of crimes which antedates the report by more than seven years. 15USC 1681s-2 ( A ) person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (NY)

I work as the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The organization owes a debt to a vendor. The debt collector, Caine & Weiner states to be representing the vendor to collect the debt in the amount of {$7200.00} and has repeately tried to contact me personally by calling and leaving a voice mail on my personal cell phone ( on XX/XX/2023 ) and sending notices to my home address ( on XX/XX/XXXX. ) My colleague emailed the debt collector from his work email on XX/XX/XXXX asking to send all communications regarding the debt to the organization 's direct phone number and business email only. Today, XX/XX/XXXX I emailed the debt collector from my work email requesting to stop contacting me personally regarding a debt owned by my employer.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my Repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm disputing have nothing to do with any transactions I've carried out or given consent for in order to obtain goods, services, or cash. Please take the following things away : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2018-04-18
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: Santander Consumer USA Holdings Inc. (MO)

I have recently obtained a copy of my credit bureau XXXX  credit report. It showed an inquiry by your company that I did not authorize. This inquiry was sent to you by XXXX XXXX XXXX on XX/XX/2017. I have obtained a copy of the Credit Application from the dealership signed by me ( attached below ) and this application does not authorize you by me for your financial institution to run my credit report at anytime.
Consumer complaint received 2023-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Our Bank of America business credit card, with the number XXXX, offers rewards. I am writing to request a correction regarding a check that was issued to me. On XX/XX/XXXX, I received a check in the amount of {$5600.00}. The check number is XXXX. However, the Pay to name on the check was incorrect. 

To rectify the situation, I contacted Bank of America on XX/XX/XXXX, through the number XXXX. I requested a change to the Pay to name and asked for a new check to be issued. Bank of America acknowledged my request and provided me with a case number, XXXX, in a letter dated XX/XX/XXXX. 

Unfortunately, despite the passage of two months, I have not yet received the new check. As a result, in XX/XX/XXXX, I sent a letter along with a copy of the check to XXXX XXXX XXXX, XXXX XXXX, TX  XXXX. On XX/XX/XXXX, I received a response from Bank of America, including a new case number, XXXX. In their letter, they assured me that the new check would be mailed to me within 7-10 business days. 

Regrettably, even after one month had elapsed, I still had not received the replacement check. Frustrated by the ongoing delay, I called Bank of America on XX/XX/XXXX. They reassured me that they would address the matter promptly. However, it was not until XX/XX/XXXX, that I received another letter from Bank of America, which assigned a new case number, XXXX. 

Despite my continued efforts to resolve this issue, including contacting Bank of America once again on XX/XX/XXXX, I have yet to receive the corrected check. Their response was to provide me with a new ticket number, XXXX, and instruct me to call back in 5-7 business days. 

Throughout the period from XX/XX/XXXX to XX/XX/XXXX, I have been assigned a total of four case numbers by Bank of America. However, it is disheartening that they have failed to resolve the problem thus far. I am exhausted from this ongoing ordeal and have lost faith in their ability to rectify the situation.
Consumer complaint received 2022-10-19
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. (GA)

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. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 : It also states that 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report 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 that person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

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 items ( A ). It is not permissible to fail to validate these reporting items 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 correct : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  # XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-01-05
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Hello my name is XXXX XXXX after I closed on my home XX/XX/2022 the title company sent my Insurance agency a check of {$2400.00} that was stolen and cashed at Bank of America and now the Insurance agency is threatening to cancel my homeowners insurance the bank is XXXX XXXX who Is Handling the fraud case And they are taking too long, that money need to be deposited back into my escrow account for my Homeowners insurance Before I get canceled Here are our list of the parties involved. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX person in charge at XXXX XXXX XXXX XXXX XXXX Cell XXXX
Consumer complaint received 2022-12-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (FL)

XXXX Online Information Servies ( XXXX XXXX XXXX are stating that I owe them {$750.00} with account # XXXX for a person that lives in TX XXXX I have lived for the last 25 years in Florida.
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-01-12
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. (CA)

I am having difficulties with buying a house and applying for new credit cards. I paid the missed payments XXXX XXXXXXXX ( Opened XXXX. XXXX, XXXX ) and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting to remove this missed payments from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2023-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Reporting an error in accounting that deducted {$610.00} from my Bank of America checking account ending in XXXX that was supposed to be credit applied to my BankAmericard XXXX XXXX card ending in XXXX. 

This is in regards to CFPB complaint ID - XXXX XXXX XXXX is the name of the complaint specialist that handled this request.
Consumer complaint received 2023-03-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (FL)

I sent a letter out on XX/XX/XXXX to XXXX, XXXX, and XXXX. Here is my tracking number : XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 


According to the law XXXX5 U.S. Code 1681 - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency 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 delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
Consumer complaint received 2022-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

n 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lendmark Financial Services (TX)

I got my loan in XXXX XXXX Texas. It got transferred to XXXX tho. When I was offered to refinance. I couldn't because my income from my loan was not what I submitted. I had never seen them before showing I made so much more than I really did. XXXX tons them I got paid cash. And now I'm stuck in this loan and if something comes up. I can't ever refinance if because the XXXX XXXX branch Lendmark financial made fake income verification for me just to book a loan. In fact I know quite a see people who are in the same boat as me. We all got our loans in XXXX XXXX Texas too. Told us so much lies to get it on top of fraud. Now we all screwed.