davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (NC)

My previous complaint was not addressed properly. Wells Fargo has bee deleted from XXXX report however it still shows on my XXXX and XXXX reports. I previously filed a complaint # XXXX. Wells Fargo Bank responded asking for me to send them my information because they could not validate this debt by my name. I replied with this. 
You asked me to provide you with my social security number, DOB, address, phone number, account number because you cant locate my account by my first and last name. I am not at liberty to provide you with any information regarding my identity. If you are reporting this damaging information to my consumer reports, you should already have access to this. This shows me that you are reporting in error to my consumer reports which is illegal and a defamation of character. You are reporting invalid unverified alleged debt to my consumer reports which intern has hurt my credit score and hindered me with obtaining credit. I am seeking legal action against your company. Please remove this alleged debt from my consumer reports immediately. Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4.
Consumer complaint received 2023-02-11
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. (NC)

I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (TX)

Bank sent a letter dated XX/XX/2021 stating that they created a CHARGE to clear a CREDIT on the account. Amount - {$550.00} Background : Received a discount offer from XXXX XXXX if I opened a credit card account. Opened and used card ( XX/XX/2021 {$490.00} ). Received merchandise. Received bill. Opened my online banking application and discovered I had a payee with the name of the bank on the bill. Payed the bill ( XX/XX/2021 {$490.00} ) Bought more items ( XX/XX/2021 {$86.00}, and XX/XX/2021 {$55.00} ). 
Received dunning notice for first amount ( {$490.00} stating that {$75.00} minimum payment was required ) Since I had made the payment and my bank statement showed it cleared, I ignored the notice. 
Started getting phone calls and voice messages requesting a {$75.00} payment. 
On { XXXX/XXXX/XXXX  payed {$100.00} } to attempt to stop getting the phone calls. 
In frustration with the calls and increasing fees, made a payment ( XX/XX/2021 {$550.00} ) Opened banking app and discovered that the account I was paying was for another account number, XXXX XXXX XXXX not XXXX XXXX - same Bank XXXX Synchrony. I was unaware it had been set up probably years earlier. 

Called customer service ( XX/XX/2021 ). The CS rep XXXX was very helpful, and was able to transfer the {$490.00} payment to the proper account, and remove all fees. 

I received a check ( XX/XX/2021 {$550.00} ) and deposited to my bank account. 
Thought we were all square and XXXX balance. 

The XXXX XXXX account is clear and at a XXXX balance. 

I have made over 16 calls to customer service, spoken with supervisors who could see both accounts and they do not understand why the " false '' charge was created. One of the phone calls I received, the very aggressive Rep told me to return the {$550.00} check or pay that amount. I told him, I did not owe anything. 

My bank even tried to help by supplying account data showing my payments to their bank.
Consumer complaint received 2024-04-08
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY ()

I received an AMEX XXXX card to the amount of {$1500.00} USD from a client who resides in NY XXXX on XX/XX/2023. AMEX advertised this gift card as " you can shop online or at stores ''. Since then, I have had no luck trying to use this gift card online aside from a few merchants where I had to call the merchant and get them to put through the gift card manually. Anytime I tried to purchase an item online, the transaction gets declined even though I had more than enough balance on the gift card and have entered the security code and expiration date. This happens to big merchants like XXXX and smaller merchants as well. I can confirm that all these merchants accept AMEX as a payment method. Attached pdf contains just a portion of the declined charges that are on the gift card as the merchants can not process transactions due to AMEX.
Consumer complaint received 2023-02-11
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. (NC)

I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (FL)

On XXXX XXXX I recieved a letter from XXXX XXXX XXXX, ( a collection co ) stating that I owed {$29000.00} for charges on a credit card with a account ending in XXXXThey said it was on a Discover Card. I have never had a Discover Card.The open date is XX/XX/year>. The last payment was made on XX/XX/year>. The acct. was opened by XXXX XXXX XXXX with a address of XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX, XXXX XXXX. My name is XXXX XXXX but I have never been in XXXX XXXX.
Consumer complaint received 2023-02-11
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. (PA)

PLease take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-04-17
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. (MD)

According to the fair credit reporting act the following XXXX  accounts are violating my rights. 
account # XXXX account # XXXX 15 U.S.C Section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-02-07
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. (IL)

XXXX XXXX account number # XXXX XXXX XXXX account numberXXXX XXXX account number # XXXX XXXX CARD account number # XXXXXXXX XXXX XXXX account number # XXXX XXXX XXXX account number # XXXX 15 USC 1681 a ( 2 ) ( a ) ( i ) ( 2 ) ( 2 ) Exclusions. The term " consumer report '' does not include ( A ) any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2022-10-17
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. (MS)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. These items found within my credit report are not related to any transactions that I have made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character. Please give me help with this matter! 

UNKNOWN ACCOUNTS : 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 2024-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

We requested a payoff reduction for the reason that the payoff that was provided included " purchase money '' that was lost in the short sale. The payoff that was provided included {$480000.00} which was the downpayment for purchase of the home. Under California law the " purchase money '' lost in the short sale can not be collected from the borrower ( myself ). 
Please see the attached documents which include my request for loan reduction ( based on the short sale ). Also see the attached response from the Select Portfolio Servicing regarding my request. Which does not comply with California 's short sale and anti-deficiency statutes. California short sale law pertains to all " purchase money '' even if there are XXXX separate Deed of Trust. See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, relying on XXXX XXXX section 1642, held that two separate XXXX XXXX  on separate properties are purchase money trusts. 
This was, under California law, a XXXX transaction. See XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, which states that several contracts relating to the same matters between the same parties and made as part of XXXX transaction are to be taken together. 

Select Portfolio response dated XX/XX/XXXX, states " When you refinanced the XXXX home you agreed to pay this debt when you signed the enclosed Adjustable Rate Note and XXXX XXXX XXXX By taking money from this refinance to purchase another home does not extinguish that debt and therefore we find no merit to your claim. '' See attached letter.
Consumer complaint received 2024-04-08
Product: Credit 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: CITIBANK, N.A. (CA)

I am a XXXX year- old widow of a world -XXXX XXXX XXXXXXXX I paid a veterinarian {$10000.00} for XXXX XXXX treatments for my dog in early XXXX. I was told if the treatments did not work I would be advised. When the treatments concluded, my dog started experiencing severe pain. The XXXX charged me another approximately {$6700.00} claiming the dog was suffering XXXX and other ailments requiring the removal of his right eye. They refused to do a XXXX scan to determine the status of the XXXX until I demanded it and refused to pay more unless they did so. The XXXX showed that the XXXX had not worked and the XXXX had spread to his XXXX. I had him euthanized that same day. I refused to pay some {$3000.00} in bogus charges for XXXX, etc following the XXXX. I disputed the charge with Citibank giving them the details of the scam. Citibank refused to accept my dispute and continues to bill me for the {$3000.00} plus interest. My credit has been affected. Although I filed a dispute letter with XXXX they apparently are not sending my letter with the credit report. I was recently denied a credit card by XXXX XXXX XXXXXXXX based on this information. 
I demand that the {$3000.00} plus interest and penalties be canceled. I paid the XXXX for the XXXX XXXX, XXXX and other charges that seemed reasonable in the amount of approximately {$3700.00} post XXXX.
Consumer complaint received 2023-02-11
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: PlusFour, Inc (NV)

Based on new regulations for medical bills under {$500.00}, I have one company in particular which even after dispute credit reporting still continues on several medical bills below {$500.00}. The credit XXXX XXXX XXXX, XXXX XXXX and XXXX are not removing them. 

Plusfour inc. Is the company that Ive seen that has not removed the credit reporting for medical bills under {$500.00}
Consumer complaint received 2019-11-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (FL)

My vehicle has been repossessed even tough all payments were submitted consistently on time. I made my payments from my bank account in Wells Fargo via on line payments. I even went directly to my branch to set up this new account to make sure the process is properly set up. But these payments didn't arrive or arrived late to XXXX XXXX. Something that I wasn't aware off until too late because the money was always taken from my account. 
I have been trying to resolve this issue for the last 3 months however, no resolution have been received or follow up of the multiple claims placed with costumer service with both institutions. 
Proof of payments were sent multiples occasions directly from my bank via fax, and no resolution yet. 
Be informed that my vehicle is an important part of my work and for the last three months have been very difficult for me since I have to rely in others just to be able to work. 
During multiples communication between Wells Fargo and your XXXX XXXX, has been very clear that it was a mistake from Wells Fargo therefore my payments were never allocated under my account. 
My vehicle was already place on auction for sale, and I was informed that promptly I will be receiving collections letters. 
This gross negligence is also damaging my credit. I need a prompt resolution and an immediate explanation.
Consumer complaint received 2023-02-11
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: CCS Financial Services, Inc. (WA)

An XXXX XXXX account was opened last year XXXX my name. I called XXXX  immediately after Ive got the bill and they said they would fix it. I asked them to please fix it because Im buying a house. It was put onto my credit report. I called XXXX  again they said they credited the account and would remove from my credit report. But they havent. Please remove immediately. I am not responsible for this
Consumer complaint received 2024-02-09
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NY)

I applied for a Discover It credit card on XX/XX/XXXX this week, which got approved instantly. Today ( XX/XX/XXXX ), however, before even receiving the card, I received requests to sign the IRS Consent Form 4506-C, then subsequently asked to fill out the enhanced notary form ( https : //card.discover.comXXXX  ). The notary form required me to include my bank statements for the past 3 months. However, I am a XXXX who has just arrived in the United States three weeks ago. I opened a bank account with another bank shortly after arriving, but I definitely do not have 3 months ' worth of bank statements. I tried to call Customer Protection Services, but they replied that since I can't complete this form with less than 3 months of bank statements, my account would be closed after XX/XX/XXXX.
Consumer complaint received 2024-02-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NY)

On XX/XX/XXXX or XXXX I was notified of an attempted charge on my card by instacart. I DENIED this charge and informed them it was NOT ME. 

XX/XX/XXXX - I was then fraudulently charged for {$100.00} from " instacart '' after informing my bank it was not an authorized charge. I have not had this service in over two years and I did not approve this charge. My bank completely ignored this fact. 

I called chime to file a dispute. Several days later, after no response, I called again, and they had no record of my dispute. I filed the dispute a SECOND TIME. Still after a week passed with no response. I reached out a third time, only to be told my claim was denied with no further details, and there had been XXXX contact with me regarding this. I was told that I could appeal by submitting documentation. I had already submitted all relevant documentation. I also contacted instacart, and had a very similar experience. No call back, information about my case was lost. I have called them several times with no response regarding this. I am desperate to have this resolved. Bottom line : I was charges for an annual subscription for an account that isn't mine after already warning my bank about the charges the first time it was attempted.
Consumer complaint received 2024-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Remove the fraudulent accounts from my credit file within the required timeframe, as mandated by FCRA. This is a final warning : If the listed accounts are not blocked or removed, legal action will be taken, and my attorney is ready to ensure accountability for your noncompliance. DEPT OF EDUCATION/XXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXXXXXX XXXX XXXX Open : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2022-06-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

After reviewing my credit report, I noticed GENESIS CREDIT MANAGEMENT at, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, WA XXXX, PHONE # ( XXXX ) XXXX, Has a collection account on my credit report in the amount of XXXX XXXX The collection has been reported as a past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature on it. 

In accordance with the fair credit reporting act : GENESIS CREDIT MANAGEMENT, 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 2022-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (VA)

I called Mohela on XX/XX/XXXX to request a refund of payments made during the payment pause. During that call, I was told the refund would take up to 30 days. 
I checked XXXX and saw that some were being processed faster so I called on XX/XX/XXXX to confirm they still had my request. They said now the wait time is 4-6 weeks. 

I called on XX/XX/XXXX, and now was told that the wait time is 90 days. When I asked what Mohela intends to do, I was told there is no plan to ensure that the money is returned to me before the applications close on XX/XX/XXXX. This impacts my ability to request debt relief as my account is paid off. I need to show a balance in order to qualify for debt forgiveness. 
Additionally, the hold times are exponential. It tells you 1 minute, and takes upwards of an hour. 

Based on this and other complaints Ive read, its apparent that Mohela intends to run out the clock on refunds preventing borrowers from obtaining student loan forgiveness. 
See cease and desist from XXXX and XXXX. It should be noted at the time of repayment, I was living in CA as my husband was XXXX  at XXXX XXXX.