davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I deposited a check from my boyfriend for {$9500.00} to pay for my dogs veterinary bills, which was VERY important. The next day they put a Hold on the check because they said the check had been altered which was completely false. I stayed on the phone for over an hour telling them they could call my boyfriend, call his bank, that the check was absolutely NOT fraudulent or had not been altered, but all they would say was : FIRST : they were completely refusing to release the hold. Then, when I would not take no for answer, they kept transferring me to finally a HORRIBLE worker by the name of XXXX who explained all this stuff I had to do. I was going to do it until she said I had to get a NOTARIZED LETTER. My boyfriend was right there telling them to release the hold! ( They said they couldnt find his number this had to be false because I know his bank had it ). This caused me to have a full blown XXXX XXXX at my treatment, having to spend over an hour trying to sort it out to no avail, and now I will be late on payment for my very sick dogs veterinary bills, which has brought an infinite amount of stress on me. My check will still remain on hold for XX/XX/23, and my boyfriend has not stopped payment and written another for fear they will do this again.
Consumer complaint received 2019-02-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (GA)

I initially complained about Synchrony Bank in early XX/XX/XXXX. See attachment letter XX/XX/XXXX. I've remained in good standing. Since the have reneged on the terms in the letter of XX/XX/XXXX and manipulated my account making it so I'd be subjecting to paying more than the XXXX month on some bogus fees from when I requested a waiver of a late fee whixh they granted as a result XXXX weekend receiving/processing issue obviously. 
So they been charging me fees as a result thi issue where asking for a payment of about XXXX higher than ever before. Also in retaliation they ran my credit WITHOUT MY PERMISSION and lowered my avail credit from bout XXXX to XXXX impacting my credit score cause now my balance is higher to a ratio. I am trying to pay the card off because I dont want to do business with a scandalous company and they also penalized me for this. I just want to be DONE WITH THEM HOW IS THIS KIND OF PRACTICE LEGAL! THEY SOUND XXXX OWED ARE THEY ILLEGAL ALIENS!!?? Please investigate, again. I'm on ss XXXX and tired this stressful XXXX!!!! 

I also have an issue when I called bout thie issue on XX/XX/XXXX XXXX the rep was arguing with me like wth PLEAS PULL THE RECORDING ESA WAS OUT OR ORDER!! THIS NEEDS BE ADDRESSED ARGUING WITH CONSUMERS LIKE THAT NOT LISTENING TO THEIR COMPLAINT KEPT CUTTING ME OFF!!
Consumer complaint received 2021-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MD)

On XX/XX/2021 XXXX located at XXXX XXXX XXXX , XXXX XXXX, PA XXXX, who is a A third party debt collection agency REMOVED the collections account ( Acct # XXXX ) on my XXXX, XXXX  and XXXX  report after I disputed via certified mail and asked for debt validation. I asked them to send the agreement they alleged have with the original creditor that duly authorizes them to collect on behalf of my alleged debt. I asked them to send the agreement reflecting my signature that confirms my acceptance of the obligation. and I asked them to send the complete payment history on the account. They DID NONE of these things. -WHICH IS WHY IT WAS DELETED ONCE ALREADY. ( documents are attached to this complaint ) The response was removed because they COULD not validate my debt nor could they provide proper documentation that supported their allegations. I got a notification that my credit score dropped 4 points due to a new collection account. Well, XXXX/XXXX  decided to report this account AGAIN. This has caused so much damage to my credit report after I properly went about disputing the information and they failed to provided proper information in return. Lets not forget that they have been in violation of many of my consumer rights that are backed by laws and continue to do so, by " choosing '' to furnish inaccurate collection account information on my consumer report that I did not give permission to report pursuant to 15 usc 1681 ( b ) ( a ) ( 2 ). They may not know but I am well aware that a consumer as the right to privacy and can ELECT to have his/ her name, address, and any other information excluded from a consumer report : 15 usc 1681 ( c ) ( 1b ) ( iii ).

Secondly, I do not know this company. I have never done any business with this company. This company does not have a contract with my signature and have simply been in violation of my consumer rights pursuant to FDCPA, and 15 usc 1692 ( a ), 15 usc 1681 ( a ) ( 1 ).
Consumer complaint received 2021-08-01
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. (FL)

I and XXXX XXXX  have sent numerous letters to Transunion showing that the account that they allegedly claim that I had with XXXX  XXXX XXXX was been reported inaccurately. We have asked them to delete XXXX  XXXX XXXX from my credit report and they have failed to do so as the information been reported on my credit report as it pertains to XXXX  XXXX XXXX is inaccurate. I then exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( III ) and I requested there method of verification and they have failed to provide me with this. The law states that the credit bureau should ensure that the consumer gets a copy of the method of verification within 15 days after they got the request for it. According to the United States postal service Transunion got my request on XX/XX/2021. It has been more than 15 days and Transunion has not responded. It is illegal for a questionable item to be on my credit report and I asked the credit bureau for proof that this is reporting accurately on my credit report and they have failed, cant or wont provide this proof and this is a case of severe injustice for me. CFPB I am asking you to instruct Transunion to delete XXXX  XXXX XXXX from my TRANSUNION CREDIT REPORT IMMEDIATELY. I am going to attach with this complaint a copy of the notarized letter that I sent to Transunion and a copy of the certified receipt from the United States Postal Service. If they fail to delete it from my credit report then I will report Transunion to the XXXX XXXX XXXX, file a complaint against them with my state Attorney General and also take legal action as necessary to get the matter fixed.
Consumer complaint received 2018-03-02
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: U.S. BANCORP (MN)

On XX/XX/2018 I walked into the U.S. Bank branch office at XXXX XXXX XXXX XXXX, XXXX, MN XXXX in order to cash a payroll check drawn off of U.S. Bank. As I was in the process of cashing the check at a teller 's window, I was asked for my SSN and informed that U.S. Bank 's policies regarding noncustomer check cashing had recently been updated to follow " the law ''. While doing research into the legalities of this policy, I found " Section 3-501 ( b ) ( 2 ) of the  Uniform Commercial Code '' which speaks about " reasonable identification ''. Thumb prints, driver 's licenses, passports are all reasonable identification. A SSN is NOT and there is no law saying that they have to ask for them. 

Having done some research and making some phone calls, I called the aforementioned branch of U.S. Bank to speak to the manager. He specifically informed me that they use noncustomer SSNs to TRACK THOSE PEOPLE. That's right. They are tracking you with your SSN if you give it to them. I believe this to be a massive breach of privacy and refuse to do business with them for as long as they maintain this policy. To be clear, they outright REFUSE to accept a REAL ID driver 's license or United States passport as identification specifically so they can track you and your money.
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

i refinanced my home on XX/XX/XXXX with XXXX XXXX XXXX ( XXXX ) in the amount of XXXX dollars. XXXX did not payoff and satisfy the XXXX XXXX as stipulated in the Promissory note recorded by XXXX on XX/XX/XXXX. XXXX has been falsely reporting to the 3 primary credit reporting agencies ( XXXX, XXXX, and Equifax. ) XXXX has been claiming I have 2 loans with their bank since day one and I am presently indebted to XXXX in the amount totaling XXXX dollars. XXXX has been reporting my mortgage loan erroneously by variously titling my single transaction as a Real Estate- Jr. Lien/ Non Purchase Money loan while simultaneously retiling the same transaction as Installment Account Open, On XX/XX/XXXX XXXX and their attorneys XXXX XXXX XXXX XXXX , XXXX XXXX XXXX refused to pay XXXX the outstanding balance and proceeded to demand XXXX to " charge it off to me and release the satisfaction statement to XXXX. XXXX has exaggerated my indebtedness and has caused irreparable harm to my credit worthiness. I disputed with the 3 primary credit bureaus? ( XXXX, XXXX, and Equifax ) I also asked XXXX to correct errors and they failed to do so.
Consumer complaint received 2023-02-21
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: EQUIFAX, INC. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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
Consumer complaint received 2021-08-01
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: RUSHMORE LOAN MANAGEMENT SERVICES LLC (WA)

XXXX  is reporting a loan that was paid off with Rushmore LMS as a foreclosure. I have disputed the remark in my credit report 3 times both with XXXX and with the lender and they continue to fault each other for the mistake. In the three occasions, XXXX  has removed the foreclosure remark only to reappear few days later. I have revisited with the lender each time and they continue to say that they are reporting the account correctly. Looks like I am trap in a vicious circle where the end result is that I get stuck with a " foreclosure remark '' that never occurred. On the opposite, the loan is paid off and I already received the deed of the property free of any liens.
Consumer complaint received 2021-08-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

They put my funds on hold and told me there was no reason it should be on hold after sending documentation & that it would be removed in 3-5 business days its been 2 months this is absolutely wrong then to have no explanation and still have my funds on hold I will never use capital one again after this & I will make sure I let people know what had happened to me. This should be against the law I will get a lawyer next if I have to
Consumer complaint received 2021-08-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Accounts & Advisers, Inc. (IA)

This collection agency is reporting my medical information without a HIPAA Authorization, which is a violation of my rights under the HIPAA LAW. If this matter isnt fixed immediately, Im ready and willing to seek litigation to clear this matter up for good.
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (WA)

XXXX did not keep their word. I was a co signer on my daughters student loan and was told after two years with her having a favorable payment history that I could be removed. It was a lie and I tried serveral times. To make a long story short she went through a period of hardship and I worked with XXXX to assist her in catching up. She got to a point that she paid if off because XXXX continued to harrass and lie. When she paid it off I was told that it would not reflect on my credit report. I am just finding out that this was a lie as well. I want the adverse reporting REMOVED! Your attention regarding this matter would be greatly appreciated. Respectfully, XXXX XXXX
Consumer complaint received 2022-01-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (OH)

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. Company also has no permission to report anything using my info pursuant to 15 USC 1681 4.
Consumer complaint received 2021-08-02
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: EQUIFAX, INC. (PA)

Richcard Saint-Albord XXXX XXXX XXXX XXXX PA XXXX 15 U.S code 1681b - permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates I, XXXX XXXX, never gave you any written consent to include any of this information to my consumer report. 

XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX As a consumer by law these inquiries on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state pursuant to 15 USC 1681n, also Ive already involved and sent this letter to the CFPB, attorneys general office and the better business bureau and Federal Trade commission.

PLEASE MAIL ME AN UPDATED CREDIT REPORT SHOWING THE REMOVAL OF THESE INQUIRIES
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-08-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (MD)

On XX/XX/2021, I received an email that my email has been used to open a Chime checking account. Although the email is mine, the account is under my husbands name. I have never heard of this bank and never have opened an account with them. I tried using password recovery with both the last 4 of my ssn and my husbands ssn and neither worked. The checking account is clearly made with someone elses stolen SSN. I tried emailing Chime customer service but they refuse to close the account without me sending them photos of my full Drivers License and Social Security card. I refused to do that stating that since I am not a customer with them, I dont feel comfortable handing over such personal information. They should be checking whether the social security numbers being used to open accounts with them match the names being used. They are clearly not doing this and encouraging identity thieves to use their institution. I have sent a total of 22 emails within the last 4 days trying to resolve this and each time a different customer service person responds, asks for more personal info and then I never hear from them again after I refuse to hand over that information. I need help to close this account and this bank should be fined for not doing any due diligence when new accounts are being opened.
Consumer complaint received 2021-07-29
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: EQUIFAX, INC. (LA)

I asked for XXXX XXXX associates to verify alleged debt and didnt they didnt verify the alleged debt. But still are reporting on my credit report. This is continuing collection activity which is a direct Violation fdpca and needs to be removed. It also violated 15 U.S.C.A 1692 and 623.
Consumer complaint received 2019-12-16
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-03-19
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: EQUIFAX, INC. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-02
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

In response to SPSs responses of XXXX and XX/XX/XXXX, they continue to state, You also raised several claims regarding fraud. We have reviewed your claims and found no merit to your allegations. SPS is confident that the servicing of the loan by SPS has been compliant with all applicable state and federal regulations. I continue to make these allegations and further reiterate SPSs complete incompetence in responding to legitimate questions regarding their fraudulent activities which go unanswered. On XX/XX/XXXX, I wrote, Also, BPOs are riddled with errors, e.g., the property has no well, one BPO has repairs needed, others do not, property is not the property described in any of the alleged notes and several state XXXX acres and others state XXXX acres. BPOs are completely fabricated and erroneous. And thirdly, persons conducting inspections are trespassing on private property by their own admission. Although they state they leave pamphlets at the door, not one has been discovered. Cease and desist any and all inspections/BPOs immediately. These concerns were never addressed in SPSs response of XX/XX/XXXX. 

On XX/XX/XXXX, I wrote, On XX/XX/XXXX, the Estate of XXXX XXXX XXXX received correspondence from SPS stating, " ... This letter is to notify you that the ownership of your mortgage loan has changed. The terms of your mortgage loan have not changed ... '' " ... The ownership of your mortgage loan has been transferred to XXXX XXXX XXXX effective XX/XX/XXXX. XXXX XXXX XXXX does not make mortgage loans but instead purchases, or is otherwise assigned, mortgage loans from lenders and other entities ... '' If that is the case, then why is there a XXXX XXXX  Mortgage Assignment ( XXXX ), holders of XXXX XXXX XXXX, dated XX/XX/XXXX filed with the XXXX XXXX, NY land records. This assignment is fraudulent and needs to be removed from County records, along with a Corporate Assignment of Mortgage, dated XX/XX/XXXX. SPS has not responded to this fraudulent activity and the Mortgage Assignment remains on record ( see attached ).
Consumer complaint received 2020-01-15
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. (GA)

XXXX  XXXX # XXXX is reporting lates to my account that I should not owe. My XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX lates on this account were not my fault, I made my payment online and was told the payment went through, I did not find out until later that the payment returned. I was never notified of the returned payment, this late was not my fault and it needs to be removed.
Consumer complaint received 2019-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NC)

I signed for a " Chase Offer '' that stated I would receive " 10 % back on your XXXX XXXX purchase with a {$21.00} back maximum! '' After seeing this offer, I made a online purchase of {$210.00} for three pairs of shoes from XXXX assuming I would receive {$21.00} back, as per the offer I accepted. A pending charge of {$210.00} appeared on my account on XX/XX/19. On XX/XX/19 a pending credit appeared and on XX/XX/19 and XX/XX/19 three individual charges from XXXX totaling {$210.00} were posted to my account. 

XXXX a single credit of {$8.00} was posted to my account. This was 10 % of one of the three individual charges. On XX/XX/19 I sent a secure message to Chase with images of ( 1 ) the offer ( 2 ) the single order I placed with XXXX XXXX, ( 3 ) my account activity showing the original charge and credit. I requested the remainder of the offer to be credited to my account. On XX/XX/19 I received a reply from Chase stating " I reviewed your account and the information sent. I understand that you purchase the item together totaling the {$210.00} but it look like the merchant was not able to send all the item at one time. The offer is valid one time offer and applies to the first purchase posted. '' I followed this up with a telephone call but the agent indicated he couldnt help me and nor could XXXX XXXX as they wouldnt be aware of this offer. If XXXX XXXX had not split the charge I would have received the full 10 % back ( up to {$21.00} ). 

I am asking for your assistance in encouraging Chase to honor the offer they made and I accepted. It was not in my control how XXXX XXXX decided to ship and create this charge.