davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (NE)

Wells Fargo credit card bill due date is on the XXXX of every month. We had our bank, XXXX XXXX provides our checking/saving accounts ), remit payment on XX/XX/XXXX to arrive by XX/XX/XXXX and XX/XX/XXXX to arrive by XX/XX/XXXX. Wells Fargo claims payment not received until XX/XX/XXXX and XX/XX/XXXX respectively and charged late payment fee of {$38.00} in each instance. Call placed with Wells Fargo on XX/XX/XXXX to dispute late payment fee for XXXX as payment should have been received on time, and on XX/XX/XXXX to also dispute late payment fee for XXXX as well as an unidentified charge for " minimum interest fee ''. 

Wells Fargo refused to refund fees, and was escalated to XXXX who also refused to take this action and case was escalated to their XXXX case team XXXX XXXX # XXXX XXXX. I question when this payment was actually received, and whether delay in processing on behalf of Wells Fargo contributed to late payment. Furthermore, I find it harder to believe that it would take longer than 7 business days for delivery of payment between XXXX and Wells Fargo. I believe this is a tactic on behalf of Wells Fargo to coerce consumers to leverage their own bill pay services instead. We were frequently encouraged to use the Wells Fargo bill pay services during our interactions with their customer service teams, and advised that bill should be paid in advance of due date instead XXXX which we did subsequent to this issue occurring in XXXX XXXX. 

To date, we have leveraged bill pay services with XXXX for over 15 years and this vendor is the only one that has had issues with payments not arriving on time. We find this hard to believe, and suspect that the issue is with Wells Fargo and their poor business practices. Furthermore, I question why Wells Fargo, a very large multi-branch bank, is unable to accept ACH transfers in lieu of a mailed check for making payments. ACH transfers would ensure that there is no discrepancy between when payment is remitted and when it is received. 

This is the second time we are complaining of this practice ( XXXX was our original complaint ).
Consumer complaint received 2020-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

To Whom It May Concern, The reason for my dispute is PORTFOLIO RECOVERY ASSOC # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, PORTFOLIO RECOVERY ASSOC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) PORTFOLIO RECOVERY ASSOC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation PORTFOLIO RECOVERY ASSOC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where PORTFOLIO RECOVERY ASSOC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. PORTFOLIO RECOVERY ASSOC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IA)

XX/XX/XXXX and many dates there of I have tried to get verification from XXXX XXXX of an address they reported, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has never been my address! Its my fathers address and hes deceased! Many other reporting errors from XXXX XXXX due to XXXX on my ex husbands card XXXX XXXX was reported as a past due when the card was closed due to XXXX and the charges were never proven or removed! But since he closed his accounts with XXXX XXXX XX/XX/XXXX and opened new ones with XXXX XXXX everything remained in my name which was disputed and written off completely by XXXX XXXX for failure to provide proof! Still remains On my report as past due balance when the case was settled and closed! XXXX XXXX is impossible to deal with and handles nothing properly after yrs of complaints!
Consumer complaint received 2023-02-09
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)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 10 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/20XXXX XXXX
Consumer complaint received 2020-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (CO)

We did a pay to delete to a collections company ( Credence Resource Management ) in regards to our XXXX account. We made sure to make the agreement as we were paying the bill in full ( {$360.00} ) on XX/XX/2020. We were told we would receive a deletion letter for our mortgage lender as soon as we made the payment. It is now XX/XX/2020 and we have NOT received the deletion letter and the account has NOT been deleted from the credit report. It shows paid in full, but HASNT been deleted, as promised. We were told that it would be electronically deleted as soon as the debt was paid. We have made repeated phone calls ( at least 3 calls, every single day ) and spent hours on the phone with both XXXX and Credence Resource management and have been told every time that we would receive the deletion email within an hour or this afternoon or by the end of the day. At that point we ask to speak to a supervisor or manager to expedite the process and each time weve been hung up on. This has happened several dozen times. 
Credence Resource Management has had the most disrespectful representatives and theyve been nothing but extremely rude and unhelpful. Ive been cut off each time Ive tried to explain our situation. 
The XXXX representatives have promised to help, transferred us back and forth, put us on hold for hours at a time, and ultimately resolved nothing. 
By making the payment and the agreement being a pay to delete we assumed they would be immediately deleting the account from the credit report, which we were told they would do.
Consumer complaint received 2020-06-15
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. (SC)

Purchased my XXXX XXXX XXXX at XXXX XXXX  XXXX on my Home Equity loan in XX/XX/2014. Acct # XXXX. Through XXXX XXXX, US, Maine. A week later I rec 'd letter that the HOME Eq.at XXXX XXXX  had matured and they required payment of the car loan, {$22000.00}. in full immediately. I didn't have that much and XXXX  refused a short term loan, even though we'd never, ever been late on mortgage, credit card, etc. The XXXX XXXX XXXX manager promised a loan, but corporate refused. I paid the entire amount off by XXXX ( Last check, ck # XXXX for {$7400.00}, the last payoff, cashed XX/XX/2014. ) Now, 6.5 yrs later, Experian says XXXX claims a " WRITE OFF of {$7400.00} ) There was no " write-off ''! It's a scam to imply a bad debt for their tax advantage. Was this claimed on their taxes? And how many other victims experienced the same scam? They're ruining my credit 6.5 years later! Experian says they checked my dispute and XXXX  stands by the " WRITE-OFF '' even though they recognize it was paid. I need to know if this is a practice ... Putting down " WRITE-OFF '' to suggest they had bad debt of {$7400.00}. Their financials need investigating! Please advise. Thank you. XXXX XXXX XXXX. By the way, I did supply XXXX  with the vin number of the car, but they couldn't find it in their records. Yes, I will make this public if it isn't investigated. Please investigate this practice by XXXX Bank, USA and Experian. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, SC. XXXX.
Consumer complaint received 2023-02-28
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: Atlanticus Services Corporation (OK)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX I was denied housing on XX/XX/2023, based on an erroneous report from this company. According to the renter, I owe money to XXXX XXXXXXXX XXXX XXXX. I received most of my deposit back from this rental. I have no public records from any agency, yet this company states its information was reported by XXXX which it wasnt!
Consumer complaint received 2020-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (NY)

I have an amount owed with XXXX XXXX and tried closing the account several times before it became {$710.00}. I was told that I can not close the account until it was paid in current standing so I then proceeded to ask if I could remove services which was then told the account was not allowed to have changes until it was current. Then when the account was closed it was still being charged for pay per view movies but I don't understand how the account could even purchase movies when it's closed. I'm not going to be responsible for more than a couple hundred and I also returned the equipment.
Consumer complaint received 2020-06-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRUIST FINANCIAL CORPORATION (GA)

I have tried numerous times to get a late reporting removed from my credit on an account that was paid in full 4 years ago, XX/XX/XXXX with BB & T with a high balance of {$59000.00}. I have made numerous calls to them directly, letters, and disputes with credit agencies.
Consumer complaint received 2020-06-15
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. (WI)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2024-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GEORGIA XXXX XX/XX/year> XXXX XXXX, XXXX and XXXX PORTFOLIO RECOVERY ASSOCIATES , LLC ( PRA, LLC ) XXXX XXXX XXXX XXXX, VA XXXX XXXX Subject : Cure Letter/Notice of Non-Compliance with Prior Correspondence Re : Account Number : XXXX / Amount : {$7500.00} Dear XXXX XXXX XXXX This cure letter serves as a formal notice of your non-compliance with our prior correspondence, specifically the NOTICE OF UNDERSTANDING AND CONDITIONAL ACCEPTANCE AND A REQUEST FOR A PROOF OF CLAIM AND FULL RECORD OF ACCOUNTING AND FEE SCHEDULE, dated XX/XX/year>, filed under complaint number XXXX with the Consumer Financial Protection Bureau and was delivered to PORTFOLIO RECOVERY ASSOCIATES , LLC ( PRA, LLC ) electronically the same day, XX/XX/year>. 
In accordance with the aforementioned correspondence, you were required to provide substantiating evidence validating your ownership rights and entitlement to collect the designated debt within the designated timeframe. However, to date, you have failed to fulfill this requirement. 
Failure to cure this condition within 15 days after receiving this notice may result in all concerned parties being deemed in agreement with the claims and terms outlined in the previous correspondence. Additionally, a default judgment of permanent and irrevocable estoppel by acquiescence may be legally binding.

It has come to our attention that PORTFOLIO RECOVERY ASSOCIATES , LLC ( PRA, LLC ) acknowledged the XX/XX/year> correspondence on XX/XX/year>, indicating your failure to provide proof of claim, dispute, rebut, or contest the terms outlined therein. 
We request your immediate attention to this matter and appreciate your cooperation in adhering to the outlined procedures. 
Please be advised that my precise and correct dwelling address is provided below, and any correspondence incorrectly addressed will either be returned unopened or respectfully discarded without prejudice : Peaceful dwelling place in care of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Sincerely, XXXX XXXX, without prejudice Authorized Agent for XXXX XXXX Enclosure ( s ) : Affidavit, Documentary Evidence, Invoice No assured value. No liability. Errors & Omissions Excepted. All Rights Reserved.

Calls may be recorded
Consumer complaint received 2023-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IN)

Today, XX/XX/2023, I deposited a check for less than {$100.00} into my account. I then received an email that they are holding the check for 10 days, without explanation. My husband also deposited a check today into this account that was less than {$100.00} and it was immediately available. This is the second time in the last few months that my check deposit has been held. The last time, it was strictly due to my being transgender and them not liking that I had a legal name change. I believe that once again, this is the case with todays hold. Getting a remedy to this issue the first time was difficult and took several days and several communications. Today, I spoke with them via phone only to be told theres nothing that they can do. Im sick and tired of being discriminated against by Chase bank for being transgender.
Consumer complaint received 2020-08-04
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. (MO)

I submitted an FTC Identity Theft report XX/XX/20 to Transunion ti inform them of fraudulent accounts in my name from XXXX XXXX XXXX & XXXX XXXX XXXX. They still appear on my Transunion credit report.
Consumer complaint received 2020-06-15
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. (GA)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with identity XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-25
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 have reached out to XXXX Equifax and XXXX and have disputed items with them informing them that it was identity theft. They did not send me any information informing me that anything was accurate and things remain on my consumer report. They refuse to delete it. According to 15 US Code 1681 I did not give permissible purpose or for any of the following to be reported on my report. I have the right to privacy. I have not signed anything giving anyone the ok to publish my information on my credit report. This needs to be deleted at once. 
XXXX XXXX XXXX who claims they do not report to the credit bureaus. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX child support and XXXX XXXX  child support these items need to be removed at once
Consumer complaint received 2024-04-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc (PA)

On XX/XX/year>, the Loan Account XXXX with a balance of {$1000.00} was added to a third party Debt Consolidation Company called XXXX XXXX XXXX I initiated this transfer of the debt due to Affirm 's lack of communication and lack of payment options. Affirm is not communicating appropriately about this outstanding debt. Affirm will no longer be able to obtain this debt from me, but from XXXX XXXX XXXX as they act as Power of Attorney over the account. I had to make this decision because Affirm never contacted me about the debt and when I initiate contact now, they have no options for me to make payments on the debt, nor does their Collections Agency. If the third party Debt Consolidation Company is able to establish contact negotiations over this debt, then a payment or payments can be made to complete the payoff. It is highly suggestable to Affirm that they take this seriously because I made many attempts to pay towards this after they charged the loan off, but they are making it difficult for me to make payments. The purpose of this complaint is to allow this to be in the database for other consumers to see how Affirm operates so they can potentially make a better decision when taking out loans, as Affirm should not have charged off this debt. Affirm claims they sent me emails letting me know that the Debt would be charged off prior to this occurring, however, I have no record of emails from them stating such.
Consumer complaint received 2022-12-31
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. (GA)

Good evening. someone has used my identity to try and open some account that i am not aware of. 
TRANSUNION 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 XXXXXX/XX/XXXX `
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (VA)

I noticed that an interest charge of {$90.00} was applied to my Chase Credit Card account on XX/XX/XXXX. I was surprised by this charge, as my auto-pay settings had been established to pay the statement balance in full. However, without my knowledge or consent, the auto-pay settings were modified to pay only the minimum balance, leading to the accumulation of interest charges. When I found the charge on XX/XX/XXXX, I contacted Chase customer service to investigate the issue and seek a resolution. Unfortunately, despite my efforts to clarify the situation and emphasize that the auto-pay settings were changed without my authorization, the representative I spoke with was unable to provide a satisfactory explanation. Furthermore, they stated that they were unable to reverse the interest charges.
Consumer complaint received 2020-08-04
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (GA)

Notice To Intent Equifax, a global data, analytics, and technology company, who play an essential role in the economy by helping companies in diverse industries such as automotive, communications, utilities, financial services, XXXX, XXXX, insurance, mortgage, professional services, retail, XXXX XXXXnd government agencies, make critical decisions with greater confidence. Equifax who also collects personal information from XXXX XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) is a provider of bankruptcy information to Equifax. In my case, my Bankruptcy was obtained unethically because, I was an Uninformed Consumer during this Transaction and you have defamed my character and has affected my Livelihood. You stated that you obtained my bankruptcy from XXXX XXXX however, XXXX XXXX has removed the bankruptcy due to FCRA Laws not being followed. Please see Supporting Documents.