davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (FL)

Ongoing since 2016 numerous collection agencies due to the hospital not providing the proper billing information to the physicians. I am a service connected veteran And have medicaire thru my social security XXXX my medical bills should be billed to the XXXX Va XXXX and then to XXXX and they will all be paid, however instead of doing that they send it to collection agencies who are rude and harass me and leave fraudulent charges on my credit report.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

hello, i became aware of a settlement by Wells Fargo Bank to customers who had accounts from XXXX XXXX XXXXXXXX i found the information through this article : XXXX XXXX XXXX 

i reached out to the bank, however, the representative wasn't aware of the settlement. she also asked me what fees i might need refunded. i don't have records of fees for that XXXX year period, and i would like to verify that the bank does not owe me any monies either through erroneous fees or as compensation as part of the settlement. 

the article instructed me to this website, saying that you could follow up with the bank on my behalf. 

thank you.
Consumer complaint received 2019-02-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Simon's Agency, Inc. (NY)

Briefly describe your complaint : On XX/XX/XXXX/19 I had noticed there was {$27.00} from my XXXX account from XXXX XXXX XXXX XXXX. I then contacted them at XXXX. I asked to speak with a manager regarding a transaction that was debited from my bank account without my authorization. The person transferred to a Mrs. XXXX and statred to give her my information on what happen. I then stated that I changed my account back in XXXX and then in XXXX I called to cancel all my payments. I asked to speak to the person that I tooked to but she stated she no longer worked there.Then she  started to talk over me and I asked if she was a manager and she stated SHE WAS NOT. So then I asked to speak to a legal manager and what was his or her name. She then stated it was XXXX and then she transferred my call. HOWEVER SHE NEVER DISCLOSED THE MINI MERANDA. 
I then spoke to XXXX XXXX and I stated to him why I was calling. He then verified who I was but he had my wrong address on the account and stated the MINI MERANDA. I advised him that Mrs. XXXX stated she was a manager and she never disclosed the mini meranda. We then went over my account and I again asked for the person I spoke to last year and he also stated that she no longer was working there. He then stated that his company tried to debit my account 3 times -XXXX, XXXX, and XXXX but there were no funds in the account and also he stated THAT THEY DID NOT DEBIT IT IN XXXX BUT THEN ON XX/XX/XXXX/2019 .AND HE ALSO STATED THAT NOT ONCE DID ANYONE CALL ME TO VERIFY ANY OF THOSE TRANSACTION TO BE APPLIED. I THEN ADVSIED HIM THAT YOUR COMPANY SHOULD HAVE PLACED THE ACCOUNT IN NSF STATUS THE FIRST TIME AND I SHOULD HAVE BEEN NOTIFIED THE FIRST TIME WHEN THERE WAS NO FUNDS TO COVER THAT ACCOUNT BECAUSE I CANCELLED THE PAYMENTS. HE STATED HE WOULD REVERSE THE CHARGES. HOW EVER I ADVISED HIM THAT I WOULD BE FILING A COMPLAINT FOR EACH VIOLATION OF THE FDCPA THAT HIS COMPANY VIOLATED INCLUDING CONSIDER MY ACCOUT PAID IN FULL AND TO REMOVE THIS FROM THE CREDIT REPORTING AGENCIES.
Consumer complaint received 2024-04-09
Product: Credit 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: JPMORGAN CHASE & CO. (NJ)

On the evening of XX/XX/2024, I misplaced my credit card. The following day, on XX/XX/2024, I noticed it was missing. I immediately went on my Chase Bank mobile app to close the card and noticed a fraudulent charge of {$1300.00} that occurred at the XXXX XXXX in XXXX XXXX in XXXX, XXXX I immediately called Chase to dispute the charge, get my card cancelled, and received a new one. My old cards number ends in XXXX. 

The next day, on XX/XX/2024, I saw a charge from XXXX for {$2.00}. The XXXX is the subway in XXXX XXXX XXXX. I hadnt used the subway recently so I thought even my new card was compromised so again, I immediately contacted Chase. The Representative asked me if I have used the subway recently. I replied that I did about a month previously. The Representative advised me that it was probably just a delay on XXXX  charge and not fraudulent. Therefore, I believed the Representative, let it go, and continued to monitor my account carefully. 

However, Chases investigation concluded a couple weeks ago. They deemed that I am responsible for the XXXX XXXX charge in the amount of {$1300.00} and that it wasnt fraudulent even though it was! One Representative stated that it is due to the XXXX charge being after the XXXX XXXX charge so their theory is that my card wasnt stolen. This is not the case. It was stolen. If this company had kept notes accurately, they would see my conversation on XX/XX/XXXX that I had with a Representative about the XXXX charge. 

I was advised to file a police report so I did. I sent it to Chase. However, they are still charging me yet again and this needs to stop. I dont know what more I can do. This has been so tiresome and frustrating. 

Chase Representatives on the phone do not take accurate notes on their customers complaints and situations. If the people and departments just communicated with one another properly, it would alleviate a lot of stress and frustration. In addition, when you call Chase, its just a game of being passed around from department to department and yet, you still dont get the right person to talk to.
Consumer complaint received 2022-01-04
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OR)

Portfolio Recovery was calling my phone number several times a day, every single day for months and the messages left on my voicemail were for a person that does not have this number. I do not have any details about the debt because it isn't my debt. XX/XX/XXXX I sent an email and mailed a letter to Portfolio Recovery requesting they stop calling my number for the debt of another person. I received a reply from Portfolio Recovery by email apologizing and saying the phone calls will stop. The phone calls stopped until tonight, I have received another phone call from Portfolio Recovery on XX/XX/XXXX.
Consumer complaint received 2019-02-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: BBVA FINANCIAL CORPORATION (TX)

In XXXX of XXXX I got a personal loan from BBVA Compass bank and the first payment was due on XX/XX/XXXX so i set up online with my bank XXXX Bank to pay it online, in setting up the online information, I mistakenly put my checking account number at BBVA Compass Bank as my loan number so when I submitted the payment on XX/XX/XXXX for {$470.00} for the loan I received a letter from BBVA collections saying they did not get the payment so i need to send them proof of payment. I went ahead and made another payment to avoid being late which was later reversed by them after telling me they have received the funds on a call from XXXX bank in my presence with a banker. Since XX/XX/XXXX I have sent them five proof of payments and even printed a statement showing the funds taken out of my XXXX account with my pre and post balances. I was even talking to a local Banker of XXXX by name XXXX XXXX in the XXXX Texas branch, even went there four times and as of last Tuesday XX/XX/XXXX BBVA said they did not get the money and have been harassing me with phone calls at work and odd times at home but I have continued to pay them ontime and they have been putting fees on the payments. I need help please in resolving this issue.
Consumer complaint received 2021-12-14
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. (IL)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-04
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: Bread Financial Holdings, Inc. (FL)

These accounts don't belong to me. Please remove them from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX  This is not mine.

2. Identity Theft N/A Account Number : XXXX  This is not mine.

3. Identity Theft N/A Account Number : XXXX  This is not mine.

4. Identity Theft CB/VICSCRT Account Number : XXXX  This is not mine.

5. Identity Theft COMENITYCAPITAL/XXXX Account Number : XXXX  This is not mine.

6. Identity Theft XXXX XXXX  Account Number : XXXX  This is not mine.

7. Identity Theft XXXX XXXX Account Number : XXXX  This is not mine.
Consumer complaint received 2019-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Hawaii Mortgage Experts (HI)

Who : Branch Manager for Hawaii Mortgage Experts What : Branch Manager ran a hard credit inquiry on my husbands and I credit report. My husband received a message from the branch manager on new lower VA rate for mortgage home loans and would we like to take advantage of the opportunity. My husband didn't respond to his message till later and replied " no ''. 2 days later we check our credit report and noticed a hard credit inquiry was processed with out mine or my husbands permission. We contacted the branch manager and asked why did he run a credit check without our consent and his response was " we want to save our clients money ''. He then asked what the problem was running the credit check? 
When : XX/XX/2019 Where : The inquiry was under XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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.

DEPT OF ED # XXXX XXXX ; XXXXXX/XX/XXXX XXXX These accounts have violated my rights. 

15 U.S.C. 1681 section 602 ( a ) ( 4 ) states the consumer has the right to privacy.

15 U.S.C. 1681b section 604 ( a ) ( 2 ) states : a consumer reporting agency can not furnish an 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 of 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 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'll attach a letter from XXXX XXXX  that I got in the mail. I noticed an inquiry on my credit report that I did not recognize. I'm writing this report to you so that your report can hopefully get that inquiry off my report, because it'll be there for 10 yrs and it hurts my credit. I called XXXX because someone tried to open up an international credit card in my name. They had all my info but they had the wrong phone number. The credit didn't get approved, but still it's the fact they tried.
Consumer complaint received 2023-01-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (WA)

Back in 2011, we were struggling to make mortgage payments on our home in XXXX, ID due to the bad economy & my husband losing his job. We tried numerous times to get help to no avail. We had 2 separate offers for a short sale, & they refused. Instead, they foreclosed on us. It took almost decade for us to get back to where we could purchase another home because of this.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AR)

My address is inaccurate. I only live at one address have live there years and I only have one name I use. There is no other name. My job is incorrect as well. 

All my personal information needs to be corrected and updated on a 3 bureaus. Experian, XXXX, and XXXX.
Consumer complaint received 2024-04-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK (FL)

Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
DISCOVERBANK I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it.
Consumer complaint received 2019-12-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Business and Consumer Solutions. (MD)

I was notified by XXXX XXXX, XXXX on XX/XX/2019, regarding an alleged debt. In which I responded in writing within 30 days requesting the following information : The amount of the alleged debt. 
The full name and mailing address of the original creditor for this alleged debt. 
Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment. 
Documentation showing you are licensed to collect debts in Maryland. 

XXXX XXXX, XXXX never responded to my written request and continued to seek payment in XX/XX/2019. At that time I called XXXX and spoke with XXXX XXXX who confirmed that my letter was received and documented in their system. Moving forward to present day XXXX has sold the debt to FBCS , Inc who is now trying to collect on the same debt.
Consumer complaint received 2023-01-22
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. (IN)

In accordance with the Fair Credit Report act XXXX, account # XXXX, account # 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 166b A Creditor May not treat a payment on an credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-05-27
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. (AZ)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2019-12-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: State Collection Service, Inc. (CA)

I received a letter on XX/XX/2019 from State Collection Services, stating that they were collecting on a debt that I allegedly owe in the amount of {$750.00}. 

I sent them a request for verification on XX/XX/2019 ( copy attached ). 

In return, I was mailed a letter that provided no additional information ( copy attached ) and only gave the name of the provider ( XXXX XXXX XXXX ) which I already had. 

I am not aware of any past due accounts with that provider, and would like State Collection Services to verify whether or not this debt is valid, and belongs to me, as is prescribed by law. Without verification, I can not, and will not hand over money to a company Ive never heard of. 

In addition, I was called at least once per day seemingly more than once per day on some days. They even used a phone number in my local area code once a tactic called spoofing used by scammers. This was quite frustrating and bordered on, if not qualified as, harassment. Finally, when I told them that I prefer written correspondence, and the calls stopped for some time.
Consumer complaint received 2021-12-14
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: Experian Information Solutions Inc. (LA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NC)

I have a XXXX XXXX credit card being reported by Experian, XXXX and XXXX. 

In accordance with the Fair Credit Reporting act, the listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. : States : I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states : a consumer reporting agency can not furnish an 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. 

I did not report this credit dispute with XXXX XXXX to any reporting agency and I have never consented to the use of my private information for reporting purposes. I have attempted on numerous occasions to pay this card of via negotiable instrument, to which XXXX XXXX has accepted but not updated the account as Paid In Full.
Consumer complaint received 2019-12-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC (TX)

Collection statement received in reference to Hospital Bill from 2 years ago. Contact without identifying the company they are  calling from. Threats to credit for not cooperating. Id like medical records to verify I had these procedures completed and that this is my debt.
Consumer complaint received 2023-01-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (FL)

In XXXX, 2021 over XXXX on transactions were transferred, in ONE day, to a person I had yelled only a handful of times. I brought this attention to Wells Fargo the next day due to it was Sunday & XXXX was closed. ( this occurred on XXXX XXXX, I will never forget because I check my balance online daily, at the minimum & I went into panic mode ). They referred me to the fraud department who investigated and finally sent a letter in the bank 's favor, the transactions where legitimate. I contested the decision & was working with a woman named XXXX. I explained repeatedly I did not authorize these transactions ; XXXX in 24 hours and is well over the amount you can XXXX  to a person incrementally or at once. Wells Fargo closed my case after escalating ad high as I possibly could, including contacting headquarters. I'm out XXXX and basically had zero recourse.
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NC)

My XXXX XXXX  credit card XXXX  XXXX XXXX was deleted from my report XX/XX/2022 ending XXXX without my authorization, my bank has submitted countless forms and sent emails regarding my account because it is still reproting but not showing on my report.
Consumer complaint received 2021-06-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (MS)

i notice a collection on my credit report on last month from PHOENIX FINANCIAL SERVICES about an alleged debt of XXXX that i do not owe and the repeated, harassing calls from them on XX/XX/2021, so i sent them a letter on XX/XX/2021 requesting documentation concerning the inaccurate item they are reporting on my credit in a timely manner. i do not know these people nor have dealt with them in my life.