davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NJ)

I WENT TO WELLSFARGO IN XXXX NJ TO MAKE A LARGE DEPOSIT IN DRIVETHRU ATM ON XX/XX/XXXX THE ATM JAMMED SOME OF THE CASH, IT DID NOT RETURN THE JAM CASH ONLY PARTS OF MY DEPOSIT WAS ACKNOWLEDGED, I RETURNED HOME AND IMMEDIATELY CALLED WELLSFARGO THEY GAVE ME A TEMP CREDIT FOR XXXX $ ON XX/XX/XXXX I THOUGHT I WAS GOOD WELL YESTERDAY THEY TOOK THE XXXX $ OUT MY CHECKING ACCOUNT SAID THE DRIVETHRU ATM IN XXXX WAS NEVER JAMMED I KNOW THEY HAVE CAMERAS AND THATS A XXXX XXXX  I HAVE BEEN BANKING WITH THEM FOR OVER 20 yrs I WAS TOLD ON PHONE TODAY MY CASE IS CLOSED LOOK AT THE CAMERAS IT WAS A JAM AND WHOMEVER DIDNT ACKNOWLEDGED THIS IS XXXX I WANT MY MONEY BACK I DID NOT XXXX HOW CAN WELLSFARGO EVEN HAVE THE NERVE TO TELL ME A JAM NEVER HAPPENED
Consumer complaint received 2021-02-13
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: Southwest Credit Systems, L.P. (CA)

There was a recent debt added from Southwest Credit System originally XXXX XXXX in the amount of {$550.00} to my credit that does not belong to me, so I filed a dispute with XXXX. I received a response stating the invest was complete and there was no change. I know that if there was an actual investigation they would have found out that, that account didnt belong to me. I looked up the company and it is XXXX  cable, they are saying I had cable opened XX/XX/2020.
Consumer complaint received 2021-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX Account Number : XXXX Name on account : XXXX XXXX I have a XXXX XXXX  credit card. On XX/XX/XXXX, I paid the balance left over from {$6800.00} high balance to {$00.00}. No matter the payment amount, XXXX XXXX XXXX has not updated the balance on any of the 3 major credit bureaus files. On XX/XX/XXXX, the balance on this credit card was {$6800.00}. XXXX are the following payments I have made since, totaling {$7000.00}, yet, XXXX XXXX XXXX sometime known as myecp.com has not updated my credit report, indicating a reduced balance of {$00.00} since XX/XX/XXXX. This has seriously hampered my ability to acquire credit without securing it with my own money. In addition, it has dropped my credit score over 70 points in XXXX  40 points in Transunion and 33 points in XXXX. What is being reported to all 3 credit bureaus is that the credit card is maxed out at {$6800.00}, even today, XX/XX/XXXX, with no reflected any payments. Below are the payments that I have made. In my credit card file at XXXX, it's reflecting the {$00.00} balance but XXXX XXXX still has not updated either of my 3 credit reports. XXXX, Transunion and XXXX  all show that there is a balance of at least {$6800.00} as of today. 

XXXX XXXX Payment - Thank You - {$1900.00} XXXX XXXX Payment - Thank You - {$4600.00} XXXX XXXX Payment - Thank You - {$190.00} XXXX XXXX Payment - Thank You - {$190.00} Total Payments made since XX/XX/XXXX is {$7000.00} Immediately, Please have XXXX XXXX, XXXX correct this and XXXX out the balance reflected in all 3 of my credit reports.
Consumer complaint received 2021-02-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

To whom this my concern, My name is XXXX XXXX XXXX, or XXXX XXXX. I was told that I may have get my money back from this banks. But these are the banks that I am have problems with. XXXX XXXX XXXX XXXX, XXXX, XXXX Bank, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Bank of American, XXXX XXXX I have been moving and I have some lost of my memory or I was adviced to stop looking for my account. I have more banks but can you help me look for them. They close the account without me knowledging it. Or third party of it. Or just get my credit and go into the account me knowing.
Consumer complaint received 2023-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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.
Consumer complaint received 2021-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I contacted the bureaus several times to correct this identity theft /IDENTIFY THEFT REPORT ATTACHED Fraud credit accounts XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Fraud inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MO)

On XX/XX/2023 I received a text message from Chime At XXXX, saying.. ( Did you try to use your Chime card for XXXX {$.00} at XXXX XXXX XXXX XXXX Reply yes or no ). I immediately replied no, checked my account and saw a withdrawal at XXXX for XXXX ,, I immediately called them and spoke to a representative in which she told me that the transaction at XXXX XXXX for XXXX $ had been blocked, but the transaction for XXXX was pending and that there was nothing that she could do at this time for that transaction because it was still pending. That I would have to wait until the Transaction was completed before i could dispute it. I checked my account all weekend and finally on Tuesday XXXX XXXX XXXX it had completed the transaction of {$400.00}. I immediately called Chime to dispute the transaction. 
They opened a dispute of a case # XXXX and at XXXX they had contacted me via email that the dispute had been closed due to no error occurred. I called them again immediately @ XXXX to dispute their decision and had the case reopened. With a case # XXXX. I then received another email & XXXX stating the dispute had been closed again due to no error occurred. I then called Chime again XXXX at XXXX to dispute their decision again. They reopened the case again and again emailed me @ XXXX stating they were closing the case and I was denied my refund of {$400.00} due to no error occurred. Now I am reaching out to you all pleading for my refund of {$400.00}. I am a XXXX mother and I know my account was hacked/compromised and so does Chime especially since they were the ones who contacted me first to Make me aware of that moneys being taken out of my account.
Consumer complaint received 2022-01-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (NV)

Dear Credit Collections In regards to the two accounts - XXXX and XXXX, it has been brought to my attention that you claim that I owe {$100.00} to XXXX and {$330.00} to XXXX. While I accept no responsibility for ownership of this debt, Im willing to compromise and offer a full payment settlement amount in exchange for your agreement to the following : Your agreement to the full and complete deletion of any past-due references pertaining to this account from all credit bureaus to which you report. 
Your agreement that this payment constitutes a paid in full account, and not a paid collection or settled account. 
Your agreement that you will not attempt to sell or reassign the rights to this account to another third-party debt collection agency after payment has been received. 

While Im well aware that your purpose is to collect debts that you have obtained from original creditors, I am also aware that you are under no obligation to report any of these accounts to the credit bureaus.

That being said, your full cooperation in deleting this account in exchange for payment is appreciated.

When I receive signed documentation from your authorized representative on company letterhead stating that you agree to the terms above, I agree to pay {$430.00} via certified funds either over the phone via debit/credit or e-check, cashiers check or money order. If money order or cashiers check is chosen as the option, the payment will be sent to you via priority mail as soon as I receive the signed agreement.

Please be aware, that this is not a renewed promise to pay. I make no claim of responsibility for this debt, and I make no statement that I believe that this debt is valid or owed by me.

In the event that you do not agree with the resolution terms I have offered above, I will move forward with my rights to request a full and complete verification and validation of this debt. 

I am also requesting that you comply with Section 809 of the Fair Debt Collection Practices Act and send me verification and validation as well all documentation proving that I owe this debt ; and a copy of your license to practice debt collection in my state. Additionally, I am also requesting that you send a copy of this letter to the original creditor notifying them that I dispute this debt so that they can not report it as delinquent on my credit report. Likewise, if you have reported this debt to any credit bureau, I request that you also report to them that I dispute owing the debt. 

I look forward to a timely resolution of this matter. 

Regards, XXXX XXXX
Consumer complaint received 2023-02-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONS DIRECT MORTGAGE, LLC (FL)

I have been working with nations direct mortgage for the past XXXX  months. I have had the worst experience. I was advised that I was approved for a modification. And then there was no follow up from anyone, including many managers. When I finally was able to get with someone they stated that I would have to start the modification process all over because their agent submitted the wrong application. This company has no interest in helping clients experiencing any type of hardships, all they care about is collecting XXXX to process your payments. Someone needs to review their procedures and ensure they are following the guidelines properly for FHA loans. They have had XXXX complaints reported to the XXXX XXXX XXXX
Consumer complaint received 2021-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

I was affected by Covid 19 pandemic. My XXXX was temporarily closed to follow the City of XXXX XXXX and State of California Covid 19 ordinances. I am facing with financial hardship due to income depending on unemployment benefit. I have asked the CitiBank management to give me time to make payments but CitiBank company ignored and closed my accounts without my acknowledgement. I will get my ppp loan soon, I plan to reopen the business next month. I would like to looking for help in the attached letter.
Consumer complaint received 2021-02-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (IL)

I sent a 2 separate letters of requesting validation to : Account Resolution Services, XXXX. XXXX XXXX, XXXX, FL. ( XXXX ) XXXX about 3 collections debts showing up on my credit report. 

I asked them to please provide the following or remove the debts from by credit report : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

They have not provided by with the information I requested and have not removed the collections from my credit report. 
They have just re-sent the same letter demanding I pay. They say in the letter that they have verified the the debt, but they don't give me the name or address of the so called original creditor.
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2021-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Exeter Finance, LLC. (MS)

Exeter finance lender money for car sum of approximately {$21000.00} XX/XX/2012 with agreement of 72 month payment plan upon completion of 72 payment plan a sum of approximately {$12000.00} was still owed on vehicle therefore vehicle was forfeited to finance agency
Consumer complaint received 2021-02-13
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions (GA)

As I have not heard back from you in over 60 days, regarding my demand for proof, since my notice of my dispute and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 


In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2 ) What is your authorization of law for your collection of information? 
3 ) What is your authorization of law for your collection of this alleged debt?

4 ) Please evidence your authorization to do business or operate in the state.

5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 

You have 15 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed.

Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. 

Failure to respond within 15 days of this letter will begin my small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-02-13
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (CA)

On XX/XX/XXXX my wife and I applied for a FHA XXXX refinance. This process normally takes no more than 60 days however we have still not been able to close due to Freedom Mortgage 's negligence in providing accurate closing documents. Freedom Mortgage has sent a closing agent out 3 times. The first time was in XXXX, XXXX, and with the last time as early as yesterday XX/XX/XXXX. 

The error in question is the failure to have the accurate balance reflected on the subordination agreement and note. We have reached out to several managers as well as the CEO and other executives of Freedom Mortgage and not one executive officer has responded to our concerns. Beginning to think there is XXXX discrimination when you look at the processing time of this simple loan XXXX no credit / no appraisal ) for XXXX borrowers versus XXXX American borrowers.
Consumer complaint received 2020-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

Jefferson Capital System continues to report false information on my credit report. They are not the original creditor and I reserve all my rights under UCC 1-308 without recourse, I have no contract with Jefferson Capital System, my middle initial is XXXX and they are using XXXX. in a name that sounds like my own. I believe I'm a victim of identity theft by their company and would like this situation resolved before I seek filing charges. Under 609 of the FCRA I have rights that are being abridged. They can not swear under oath that I owe a debt.
Consumer complaint received 2022-01-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I am writing this letter in because I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program, and I saw a debt from XXXX XXXX for CAPITAL ONE BANK USA N A in the amount of {$600.00}. Since I do not believe I owe this debt, I am requesting that you comply with Section 809 of the Fair Debt Collection Practices Act and send me verification and validation as well all documentation proving that I owe this debt ; and ( 4 ) A copy of your license to practice debt collection in my state. I am also requesting that you send a copy of this letter to the original creditor notifying them that I dispute this debt so that they can not report it as delinquent on my credit report. Likewise, if you have reported this debt to any credit bureau, I request that you also report to them that I dispute owing the debt. Please notify me when you have done so. If you need to contact me in the future, I insist that you do so by mail. I am not allowed to receive personal telephone calls at my place of employment. I also prefer that you not phone me at home regarding this debt. All future contact should be by mail. Thank you.
Consumer complaint received 2021-02-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp. (IL)

I was a victim of identity theft and I advised the company of this and sent a copy of my federal trade commission identity theft report and FTC Notice to Furnisher on XX/XX/2020 via email and fax. The company has not responded and continues to report this inaccurate information and refuses to delete it or accurately report it as identity theft and fails to report the correct dates.
Consumer complaint received 2021-02-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST NATIONAL BANK OF OMAHA (IL)

I was a victim of identity theft and I advised the company of this and sent a copy of my federal trade commission identity theft report and FTC Notice to Furnisher on XX/XX/2020 via email and fax. The company has not responded and continues to report this inaccurate information and refuses to delete it or accurately report it as identity theft and fails to report the correct dates.
Consumer complaint received 2021-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC (WA)

ok here goes each time some one applies for a loan, or any type of thing you get you credit score lowed.. so does that person get there score back no .... so why does some one have to have a lower score ... and have to wait 2 years to get it back. and why does it take so long to just talk or put in paper work to get it back .Q : have you every asked for help in any way ... so now be honest have you ... going for a loan is like asking for help so each time you do your credit score goes down on my turn down letter it says Number of recent inquiries ... funny when i ask for help i get a ding that ding is there for 2 years so i am going to sue this place and the company and the credit places, why is it that a persons credit goes down and why does a person have to Waite so long to get it back agene if you need help and can not get help i Quess you are out of luck ... right the company told me i have 38 ... 38 serious delinquency 's funny i have a son with my same name am i getting his to.. i know he uses my name dob, and all my things funny very funny