davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc. (NC)

Our subscription expired with the XXXX XXXX. They continued to deliver the newspaper. After a few weeks they called us asking if we wanted to renew. When we told them we did not want to renew, they asked about paying for the papers they continued to deliver after our subscription has expired - at a ridiculously high rate. When my wife told them to 'send us a bill ' they said they couldn't do that - you could only pay for them over the phone. Since we did not authorize delivery after our subscription had expired, and I felt they were trying to rob me with a ridiculously high rate I never agreed to - I said we would not be paying for them at all. I believe this falls under the Federal Trade Commission 's 'Unordered Merchandise ' statute. 

Today we received a phone call from A.R.M. at XXXX. They claimed to be a debt collector, and said we owed the XXXX XXXX {$68.00}. I told the girl I would be filing this complaint and to never call us again. Thank you for all you do for the citizens of North Carolina!
Consumer complaint received 2020-01-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: FactorTrust, Inc. (NM)

In XX/XX/2019 I submitted a complaint against XXXX XXXX. Unsolicited contacts that I had repeatedly requested not to be contacted by email and physical mail then over the phone. I received a reply : Company 's Response Ms. XXXX, We are in receipt of your consumer complaint against XXXX filed with the Consumer Financial Protection Bureau. We take all complaints seriously and, as such, investigated this matter. Per your request, we have removed your name from any future offers or mailings that we may make ... .Sincerely, XXXX XXXX I am now in receipt of another unsolicited offer dated XX/XX/2019.
Consumer complaint received 2019-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/XXXX {$10.00} XXXX/Bill XX/XX/XXXX {$1300.00} XXXX XX/XX/XXXX {$200.00} XXXX XX/XX/XXXX {$83.00} XXXX XX/XX/XXXX {$5.00} cash advance fee XX/XX/XXXX {$6.00} cash advance fee I called on XX/XX/XXXX later afternoon when I logged in my account found out those translations, I was sick at home in CA, the translations made in NJ.

Capital one bank send back four translation credit for {$200.00}, {$83.00}, {$1300.00}, {$10.00} on XX/XX/XXXX.

But on XX/XX/XXXX, capital one bank billed back on my account for {$200.00}, {$83.00}, {$1300.00}, {$6.00}, {$5.00}, also interest for {$0.00} I called, they say its no way someone can copy my card with the chip, the card was present when purchasing, Im responsible for the translations. But I really didnt do it.
Consumer complaint received 2022-10-05
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 4. Validate account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. Validate account XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (DE)

Hi : Good afternoon. My name is XXXX XXXX and I am writing in reference to an issue of a returned check on my Wellsfargo account. I have been a customer of Wellsfargo since 1998. 

I wrote a check to " XXXX XXXX '' for {$55.00} and this check was presented twice to Wellsfargo and on both occasions, the check was returned to the merchant without any negative balance ( - {$55.00} ) showing on my account. Prior to this, I was notified by Wellsfargo about a new policy that gives customers XXXX hours to deposit funds in their account before checks are returned to the merchant. This new policy from Wellsfargo is a great idea but I just discovered in my instance today, that this policy is dependent on whether they feel like paying the check or not. 

I just called the Wellsfargo customer service number and this is what I was told. I initially I spoke to XXXX, and then had this escalated to XXXX XXXX. Her reasoning did not make sense since this to me is a clear case of " bait and switch ''. I was then referred to XXXX XXXX at the Executive office and I decided to write to you. The assigned complaint # XXXX was given to me by XXXX. The case # XXXX was assigned to me by XXXX at the executive office. I now have to drive to XXXX XXXX and take care of this in addition to paying for their returned check fee and the embarrasment of this issue. 


Why would a bank institute such a great policy but then decide on a whim when they will follow through on this new policy. It's either they practice this policy or don't do it. I can be reached via email at XXXX. 


Sincerely, XXXX XXXX
Consumer complaint received 2020-01-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Omni Financial Corp. (FL)

I have submitted substantial documentation to Setf/Wofc to remove a fraudulent charge off of my credit report including an FTC identity report and a Police Report. The company found valid fraud and the charge was removed from all three credit bureaus. XXXX  has recently blocked the company from reporting to the credit bureaus due to the account resulting in identity theft. Now, I received a letter from Setf/Wofc in an attempt to collect the debt after being a victim of idenity theft which was already proven and taken off my credit report.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

I think it was about XXXX thru XXXX. I had a checking account and a savings account. I'm a vet and was getting a XXXX check from the government, most would go to my checking and I would have a certain amount go to my savings. I started noticing that my numbers were not adding up right. I moved some money from savings to checking a few times because of some family issues. I noticed that they started charging for moving my money and it was very high amounts. Once I had to get some medications and I knew it was going to take about everything I had in my checking account, so I moved XXXX from savings to checking so I wouldn't get an overdraft fee. The next morning I checked my account and they had charged me over XXXX dollars just for that one transaction, it kept happening over and over. I lost over a XXXX dollars before I could get my account closed down. I was never reimbursed for the ungodly amounts they were charging me for simple transactions.
Consumer complaint received 2020-01-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America, in my account o transferred XXXX $ from company account XXXX XXXX XXXX XXXX to XXXX bank XXXX XXXX the amount received only XXXX XXXX the bank did transfer it to another currency causing huge loss ( almost 3 % ) of the whole amount.
Consumer complaint received 2020-01-02
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. (NY)

To whom it may concern : After receiving a request from chase united card to refer a friend with a promise to receive XXXX miles, I was denied the offer. 

I contacted chase multiple times and was told that the miles will be posted to my account within 6 to 8 weeks. After the allowed time expired, I received a letter dated XX/XX/XXXX ( please see attached ) stating : We appreciate you referring ... to become a new Chase Cardmember ... ... once you have followed the link to refer a friend, you will receive the referral bonus eight weeks..if the link was not followed to refer a friend the point will not be honored. Please know that the original application for the new member was completed in XX/XX/XXXX using the link given. During the months of XX/XX/XXXX and XX/XX/XXXX I was told to wait six to eight weeks. Then in the month of XX/XX/XXXX I received the letter in question. 

According to chase representatives the application was not submitted through the link in XX/XX/XXXX, and the miles will not be honored as per the offer. However, we submitted the application through the link in XX/XX/XXXX. I was never told I didnt qualify rather that I needed to wait 6 to 8 weeks. Their letter clearly acknowledged that I referred someone to become a new card member. Part of the offer stated the new cardmember needed to spend {$3000.00} within 3 months prior to my receiving the miles for the referral. Hence why I understood the time allowed. However, they are not honoring the offer, and I am requesting the XXXX miles I am entitled to. 

Thank you in advance for your attention to this matter if any further information is needed please Freel free to contact me at XXXX. 

Respectfully submitted, XXXX XXXX
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am writing to formally address the ongoing issue of fraudulent items persisting despite several attempts to remove them. As a valued customer of Credit Bureaus, I expect transparency, integrity, and swift resolution when faced with such matters. 

I discovered fraudulent items on my account, which were promptly reported to your company. Despite multiple attempts to rectify the situation, the fraudulent items persist, indicating a systemic failure in your security measures or negligence in addressing these concerns. 

These fraudulent activities have caused significant inconvenience, stress, and financial harm. Moreover, the repeated occurrence of such incidents reflects poorly on your company 's commitment to customer protection and satisfaction. 

I demand immediate action to : Thoroughly investigate the root cause of these fraudulent activities. 
Implement robust security measures to prevent future occurrences. 
Provide full restitution for any financial losses incurred as a result of these fraudulent items. 
Offer compensation for the inconvenience and emotional distress caused by this ordeal. 
Failure to address these concerns in a timely and satisfactory manner may compel me to explore further legal actions to protect my rights and interests as a consumer. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX Balance : {$64.00} XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX Balance : {$64.00} XXXX XXXXXXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$3100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX Balance : {$64.00} XXXX XXXX XXXX Balance : {$23000.00} XXXX XX/XX/XXXX.
Consumer complaint received 2022-10-05
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 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 2020-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX # XXXX is reporting an debt to my account that is in violation of my rights. This debt is paid off a while ago by XXXX and is still reporting a balance to my credit report. I have attached proof that this account is paid off. I need this entire account removed off of my credit, it is paid and is in violation of my rights for a paid debt.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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
Consumer complaint received 2023-01-20
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. (CA)

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. 

XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX  XXXX - Account # XXXXXXXX XXXX XXXX  XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  - Account # XXXXXXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account ending in # XXXX XXXX XXXX Account ending in # XXXX XXXX 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 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 by 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 the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX # XXXX is reporting an debt to my account that is in violation of my rights. This debt is paid off a while ago by XXXX and is still reporting a balance to my credit report. I have attached proof that this account is paid off. I need this entire account removed off of my credit, it is paid and is in violation of my rights for a paid debt.
Consumer complaint received 2023-01-14
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: BARCLAYS BANK DELAWARE (MN)

Back in XXXX my wallet was lost/stolen along with my cell phone. I was able to recover my cell phone, however wallet was never recovered. I contacted all of the credit cards that were missing once I realized my wallet was lost/stolen. I had several XXXX in charges across a couple of my credit cards which were resolved promptly and received my money back. Barclay 's ( Old Navy ) credit card has sided with the merchant stating the transactions were valid and authorized which the were not. There were 3 transactions that were charged on my account between XXXX XXXX XXXX and were all done at XXXX XXXX . I have contact Barclay 's on several occasions and everytime I called they added more items to a list of items needing to be provided to them. I filed a police report, gave a written statement and also provided a letter Barclay 's sent back on XX/XX/22 stating my case was resolved in my favor. I was later told this was sent in error. Barclay 's fraud team has been extremely unhelpful and does not have clarity in their process and now are requiring me to pay over {$2000.00} of unauthorized charges.
Consumer complaint received 2020-01-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: GreenSky, LLC (MI)

We received a bill for {$14000.00} from " GreenSky '' on XX/XX/2019, with an interest rate over 25 %. However, we have never agreed to any loan from Greensky, we have never signed any financing paperwork or approved anything related to a " GreenSky '' account or loan whatsoever. We've never seen any loan information ( other than a bill, after the fact ). The account was fraudulently opened and fraudulently charged against, apparently by a contractor who did terrible work and never finished the job. I believe this as " XXXX XXXX '' ( the contractor ) is the only charge against the account. They apparently took our information and took out a loan without our knowledge or consent. 

We immediately called the company, " Greensky '', that day, and submitted a Dispute in writing per the directions on the bill. They told us they need to investigate and that they would get back to us. Someone then told us via telephone that we are responsible for the loan. We asked for proof, documentation, signatures, anything at all they have that would establish this loan is legitimate ( which we know it is NOT ) and they simply refused. They acknowledged that they did not have any type of loan agreement in their possession. They have not responded to any of our written inquiries or disputes ; we emailed their dispute department on XX/XX/2019 and XX/XX/2019, and sent a certified letter on XX/XX/2019 ( which they did receive ). They have refused our requests for additional information, or documentation supporting their belief that we are somehow responsible for this loan. 

When we call the " representative '' they assigned us, the call goes immediately to voicemail. When we call the XXXX number, we get re-routed to that same voicemail. They are refusing to speak with us or answer our correspondence, and continue to send us bills for this amount.
Consumer complaint received 2021-06-03
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. (TX)

I have contacted all 3 bureaus- XXXX  , Equifax , XXXX  to have incorrect reporting information on my credit be investigated & removed. I have sent several letters dating as far back as XX/XX/2021. I recently spoke with rep for Equifax and was advised the address they have online is incorrect for me to submit my dispute letters and that they never received them and I should resend. Fine, this time I sent certified mail XX/XX/2021 my now 2nd letter to them to request a signature from someone, they signed for it and received it. Today, XX/XX/2021 I called back to Equifax and they are singing the same tune, lying that they have not received it when Cleary they signed for it. 

Same for XXXX, called them today XX/XX/2021 they claim to not have received my 2nd attempt to investigate and remove unauthorized incorrect information from my report. 

Called XXXX same, they are telling me they can't sat if they have or have not receive my dispute and I should call back another time. 

These bureaus have been giving me the run around since XX/XX/2021 and I have had it up to here with them!
Consumer complaint received 2021-06-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I am writing because I been having the same problem with these 3 collection companies and I been telling Equifax and XXXX  that those were fradulant accounts not opened up by me and for those companies to produce documents with my signature on it or who did they speak to, to verify these claims and till this date I have not received anything from them. This is harming my credit and needs to be deleted and updated. I never got into a contract with those companies bullying me for money, I never signed any paperwork with them and they need to remove those fraudulent reports off of my credit report.
Consumer complaint received 2020-06-10
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: CarMax, Inc. (LA)

I reached out to Carmax since XX/XX/2020 about my reduced hours during Covid 19. I was granted 2 extensions however I received negative credit marking with late. I discuss with Carmax about the Cares Act section 4201 and Carmax refused to remove negative markings.
Consumer complaint received 2023-01-14
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. (VA)

In accordance to the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. After reviewing my report on XX/XX/XXXX, I have found multiple inaccuracies and violations. The Credit bureaus stated my account for XXXX XXXX Acct # XXXX was properly investigated but how it that possible if there are multiple inaccuracies on my report? I have listed them : 1. Date Opened- inaccurate 2. High Credit- inaccurate 3. Credit Limit- inaccurate 4. Payment Status inaccurate 5. Last reported inaccurate 6. Date of last activity- inaccurate 7. Date of Last Payment- inaccurate Two-year payment history shows Transunion and XXXX shows no history XXXX 30 day past due and XX/XX/XXXX shows 60 days past due for XXXX. This is grounds for removal! My rights have also been violated under 15 U.S.C. 1681 Section 602 A which state that have the right to privacy. 15 U.S.C. 1681Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without written instruction. I never gave written instruction! This one account on my credit report has 11 violations.