davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-03
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: WELLS FARGO & COMPANY (NY)

I just received the most disappointing response of all to date from Wells Fargo Representation as they've made no attempt to explain they're newly redefined modification terms hat was offered to me back in XX/XX/2010. Little do they know that I had given the modification to legal experts for review and they themselves found no fixed rate offer, but somehow Wells Fargo after a month of reviewing their own Modification determined that it was a fixed rate modification offer after all ... So sad to think that the modification I was looking for from Wells was offered nine years ago, that is if you are to believe whats being conveyed today because you wouldn't know it by reading the then proposed modification? Any legal action resulting in a court hearing would definitely rule in my favor, which is probably why Wells Fargo 's latest response is the most cryptic and deflective of all, and yes thank you for all the past miss-information and inconsistencies as they will serve me well. I know Wells Fargo 's culpability all to well and as far as this platform for resolve Wells has hired all actors playing the part of support and resolve specialists, but all they do is look for ways to slither way unscathed and check their box.
Consumer complaint received 2017-11-21
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: DISCOVER BANK (WA)

Based on the statements enclosed fraudulent transactions were posted in the amount {$7400.00} from XX/XX/XXXX through XX/XX/XXXX. According to the statements the majority of the transactions are consistent with common fraud. {$2500.00} are large online purchases or card not present transactions. The other main purchases are large amounts with XXXX XXXX XXXX ( {$1500.00} ), XXXX ( {$790.00} ), and XXXX XXXX ( {$250.00} ). In addition several gasoline transactions took place on days when I was at work ( XXXX XXXX XXXX, XXXX. ) This is undeniable fraud because I have only commuted to work by bus or bicycle for 13 years. Additional purchases were made online during weekends. The fraud is flagrant. All the transactions were perpetrated in the course of 67 days. The amount spent was more two months of my take home pay. I believe the reason that Discover will not release the original application was because they also verified the application with a cell phone number. This is also impossible because I did not have a Cell phone until XX/XX/XXXX.
Consumer complaint received 2017-10-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NC)

On XXXX XXXX I purchased a vehicle from XXXX XXXX XXXX, in XXXX XXXX At that time I agreed to purchase an extended warranty and GAP INSURANCE. After a couple of days, I called the dealership and told them I did n't want it. I was told I would have to wait for it to go through the system before it could be canceled. I also wrote a letter and mailed it to BOTH the dealership and the insurance company to let them know formally that I wanted it canceled. I never got a response from either. I went back to the dealership on XXXX XXXX, I talked to the finance man, he said it would be taken care of and to keep a check on my vehicle statements to see the price drop so I would know when it had been done. It still is on my loan, but the insurance company says they have no record of a policy on me, I contacted my finance company XXXX XXXX XXXX, they told me to contact the dealership, as did the insurance company. The problem is and has been that the dealership wo n't return my calls or answer my attempts to contact them. They are over an hour away from my home and I ca n't run up there every day trying to resolve issues with them. I work an hour from home, which puts me 2 hours away from them and I ca n't be taking off of work to deal with them.It took them 2 months to even get me a tag for my car, which actually expired before they got me one, and even then I had to drive up there to get it after I had been promised they would deliver it to me. The Gap is {$790.00}, the extended warranty is {$2400.00}
Consumer complaint received 2019-07-05
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Specialized Loan Servicing Holdings LLC (DC)

Mr. XXXX XXXX, CEO Specialized Loan Servicing XXXX XXXX XXXX. 
XXXX XXXX, CO. XXXX XX/XX/2019 Dear Mr. XXXX : An SLS employee who took my phone payment, inadvertently entered the wrong amount. Instead of her entering my regular monthly payment of {$2800.00}, which I made clear to her that I wanted to pay, she entered the amount of {$2000.00}. I made my payment on Friday XX/XX/XXXX, but did not learn of the mistake until I checked my bank record on Monday XX/XX/XXXX. I saw where SLS made an error and I immediately called to make sure I had my payment in before it was over 30 days late and reported to the credit agencies. To my dismay, I was informed by another SLS employee that the amount that was short ( the {$800.00} mistake made by the SLS employee on Friday ) would be reported over 30 days past due. 

I can not afford to have my credit score impacted by this error made by SLS. My wife and I are involved in a number of financial negotiations right now and need our credit scores left intact.

My hope is that SLS find a way to address the issue and not have your employee mistake ruin my credit score, especially at this time. Can you assure me that you will rectify this error expeditiously? 

Please keep me informed on your course of action. 

Sincerely, cc XXXX XXXX, SLS Customer Care Manager ; XXXX XXXX
Consumer complaint received 2022-05-21
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (PA)

I disputed a credit card charge on my account over a month ago. They have told me more than three times now that this would have been taken care of by this point in time. The charge is for XXXX XXXX and XXXX XXXX for {$190.00} on XX/XX/XXXX. I called my credit card company ( Chase ) about this dispute four days later, after I had already tried reaching out to the merchant to resolve the issue. It is now XX/XX/XXXX and they keep telling me it is being taken care of. This should have been finished three times over.
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX Wells Fargo Bank charged off my account due to the negative balance status. I have been XXXX and experiencing hardships since XX/XX/XXXX due to the Covid-19 pandemic. 

On XX/XX/XXXX Wells Fargo Bank submitted information to XXXX XXXX and XXXX XXXX claiming that my account was closed due to Account Abuse. I never abused my Wells Fargo Bank account - I was experiencing long term XXXX, XXXX and a total loss of my income as a result. I filed a claims related to a {$400.00} charge that appeared on my account. I followed Wells Fargo policies and procedures for filing a claim and they refused to investigate it as they stated their policies did not allow them to investigate claims related to peer to peer financial transactions. 

On XX/XX/XXXX, I attempted to open two checking accounts - XXXX Bank, and XXXX Bank and was denied a checking account based on the information reported by Wells Fargo Bank to XXXX XXXX and XXXX XXXX. 

Wells Fargo Bank 's errors has caused adverse actions to be taken against me ; I was denied two checking account opportunities and the opportunity to establish a new relationship with another financial institution. Wells Fargo Banks ' actions also caused me extreme public humiliation and embarrassment as I was turned down by these banks and had to suffer during and after conversation. 

Finally, I believe Wells Fargo Bank 's actions toward me are malicious, deliberate, and well defined against XXXX American consumers who seek to pursue justice in a court of law. Wells Fargo 's action against me violated my rights under the Fair Credit and Reporting Act because they willfully and intentionally reported erroneous information that has caused other financial institutions to make adverse decisions against me. This matter has prevented me from moving forward with securing a checking account with a major bank.
Consumer complaint received 2023-01-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc ()

Hi, i already sick help with paypal regarding with my account but they are not listening to me about my appeal the money was just available already then suddenly they have permanently limited my account i feel sad because my account was already old and my customers already memorize my email address they keep sending me their payment because my business is more about coaching hosting websites and and customers avail plan subscription depends on subscription based on our website i already provided the website through paypal they accepted and i understand that they already know my business i don't have actual products it's more off virtual transactions online which already established with my colleagues international i am seeking your help to reach out through people to grant my request lifting of permanently limited i really need to continue my transaction businesses and because this is just the only source of my income i understand the paypal responsibility is to keep our account safe from the unknown transactions i made sure when it comes dispute i attended right away just to maintain the good record of my account because it's already old and stablish. Thank you.
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

On XX/XX/XXXX I entered into a settlement agreement with XXXX XXXX XXXXXXXX regarding Account # XXXX for a balance they claimed I owed them. This settlement agreement resolved all claims against me and any claims I had against XXXX XXXX XXXXXXXX. 

On XX/XX/XXXX XXXX XXXX XXXXXXXX submitted information to XXXX XXXX  and Chex Systems claiming that my account was closed due to Checking Account Fraud. They also reported that the account as of XX/XX/XXXX was unpaid. 

On XX/XX/XXXX, I attempted to open two checking accounts - XXXX XXXX, and XXXX Bank and was denied a checking account based on the information reported by XXXX XXXX XXXXXXXX to XXXX XXXX and Chex Systems. 

XXXX XXXX XXXXXXXX is no longer acting in good faith or under the terms and conditions of the Settlement Agreement we finalized on XX/XX/XXXX. 

XXXX XXXX XXXXXXXX 's errors has caused me adverse actions ; I was denied two checking account opportunities and the opportunity to establish a new relationship with another financial institution. XXXX XXXX XXXXXXXX 's actions also caused me extreme public humiliation and embarrassment as I was turned down by these banks and had to suffer during and after conversation. 

XXXX XXXX XXXXXXXX never provided me the opportunity to engage their claims that my account was considered checking account fraud. I never committed checking account fraud. I used the account for personal purchases. 

Finally, I believe XXXX XXXX XXXXXXXX 's actions toward me are malicious, deliberate, and well defined against XXXX XXXX  consumers who seek to pursue justice in a court of law and their actions violates my rights under the Fair Credit Reporting Act
Consumer complaint received 2019-09-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

At the end of XXXX, the place where I'll been worked, close theirs doors after bankruptcy. I'll been looking desperate for a job with any sauced.I explained to the hospital my situation, they never told me that the hospital have a program for low or none people income qualification to pay off or portion of deb.Not to long ago I heard from someone else. It's sad that some people don't do their job in a proper way. 
XX/XX/XXXX, deb {$430.00}. 
XX/XX/XXXX, deb {$840.00}. 
I ask for Deletes To old Institution don't give me any help or orientation to help me with this debs.
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC (GA)

On XX/XX/XXXX I entered into a settlement agreement with XXXX XXXX  XXXX regarding Account # XXXX for a balance they claimed I owed them. This settlement agreement resolved all claims against me and any claims I had against XXXX XXXX XXXXXXXX. 

On XX/XX/XXXX XXXX XXXX XXXXXXXX submitted information to Early Warning and XXXX XXXX claiming that my account was closed due to Checking Account Fraud. They also reported that the account as of XX/XX/XXXX was unpaid. 

On XX/XX/XXXX, I attempted to open XXXX checking accounts - XXXX XXXX, and XXXX Bank and was denied a checking account based on the information reported by XXXX XXXX XXXXXXXX to Early Warning and XXXX XXXX. 

XXXX XXXX XXXXXXXX is no longer acting in good faith or under the terms and conditions of the Settlement Agreement we finalized on XX/XX/XXXX. 

XXXX XXXX XXXXXXXX 's errors has caused me adverse actions ; I was denied XXXX checking account opportunities and the opportunity to establish a new relationship with another financial institution. XXXX XXXX XXXXXXXX 's actions also caused me extreme public humiliation and embarrassment as I was turned down by these banks and had to suffer during and after conversation. 

XXXX XXXX XXXXXXXX never provided me the opportunity to engage their claims that my account was considered checking account fraud. I never committed checking account fraud. I used the account for personal purchases. 

Finally, I believe XXXX XXXX  XXXX 's actions toward me are malicious, deliberate, and well defined against XXXX American consumers who seek to pursue justice in a court of law and their actions violates my rights under the Fair Credit Reporting Act
Consumer complaint received 2019-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST ADVANTAGE CORPORATION (TX)

I got a my background report from First Advantage XXXX XXXX XXXX for XXXX XXXX XXXX XXXX, I never lived in XXXX XXXX XXXX XXXX XXXX, then I've been at XXXX XXXX XXXX XXXX, since XXXX, no breaks. It says I've been there XXXX then there's no XXXX, it skips to XXXX. I am still living here. 

In Texas Department of XXXX XXXX XXXX XXXX, TX there's a case under XXXX, Date case XX/XX/XXXX, Defendant : XXXX XXXX XXXX, XXXX : XXXX, Charge : Drive while intoxicated with Child Passenger, Charge Case : Felony, Disposition : Convicted, Disposition Date : XX/XX/XXXX, Sentence : Fine XXXX ; Costs XXXX ; Confinement 18 Months ; Probation 4 years. 
That is not me! My middle name is not XXXX! Its XXXX.
Consumer complaint received 2022-05-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (PA)

i keep receiving letters from RESURGENT CAPITAL SERVICES about a debt that was paid off in XXXX from XXXX of which i paid off this has been paid off because I made a settlement with the first collection agency in XXXX I sent RESURGENT documents to prove this and each time I call them they would say the documents are insufficient and don't prove that it was paid off it keeps saying it is owed by LVNV FUNDING LLC. i sent all the paid off letters and when the payments where coming out of my checking account .also the persons who took payments out, I even sent them conversations we had concerning this matter this account needs to be fixed, this goes back to XXXX
Consumer complaint received 2022-05-21
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. (MO)

In accordance with the Fair Credit Reporting act 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 a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-21
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. (TX)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (IL)

Ive been contacted by Jefferson Capital System. Ive also explained and also disputed it on my credit report that the account was fraudulent and I had no knowledge of it and asked it be removed It was still not removed and I was also told that it wouldnt be. Im asking that this be removed from my credit report please
Consumer complaint received 2022-05-21
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. (AZ)

XXXXXXXX XXXX XXXX  - XX/XX/2022 - {$4700.00} - Account status Closed XXXX  XXXX - XX/XX/2022 - {$9000.00} - Account status Closed XXXX - XXXX XXXX  - XX/XX/2022 - {$5800.00} - Account status Closed XXXX - XXXX XXXX  - XX/XX/2022 - {$790.00} - Account status Closed XXXX - XXXX XXXX  - XX/XX/2022 - {$780.00} - Account status Closed In accordance with the Fair Crediting Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (TX)

Chime, XXXXXXXX XXXX closed my account after I reported my card as lost. They are holding my funds hostage and will not release them to me. Theyre the only bank I use and I have no ways to make a living or pay my bills. I cant get in touch with anyone because it just keeps saying they closed my account and cant help me.
Consumer complaint received 2022-05-21
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 XXXX XXXXXXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX  Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX have violated my rights . 

-15 U.S.C 1681 section 602 A. States that I have a right to privacy.

- 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written permission.
Consumer complaint received 2022-05-21
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX have XXXX XXXX XXXX XXXX 

-15 U.S.C 1681 section 602 A. States that I have a right to privacy. 
- 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written permission.
Consumer complaint received 2022-05-21
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. (CA)

In accordance with the fair credit Reporting Act XXXX XXXX  Account # beginning in XXXX and ending in # XXXX has violated my rights. 1 5 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Self Financial Inc. (NV)

I saw an advertise on XXXX about lending. I fill up the form i put all my information i didnt know it was scam. And now when i check my score on XXXX XXXX theres a personal loan that i didnt do it was XXXX . The company they use for is Self Financial Inc .