davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OH)

Fraudulent wire transfer initiated by unauthorized access at my Chase Checking Account for the amount of {$7600.00} USD in multiple wire transfers on XX/XX/2023. Sending wire transfers from my account at JP Morgan Chase NA to a XXXX XXXX in XXXX, XXXX. Unauthorized access by obtaining access to the bank checking account and initiating the illegal international wire transfers.
Consumer complaint received 2024-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital one bank closed my account on XX/XX/2024. They states they can not release the money out of the account because they can verify money thats in my account. I have called several times to try to get the to send the amount in the account. There is {$12000.00} in the account.
Consumer complaint received 2023-01-21
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (ID)

Over the lasy year I have emailed & called XXXX Mortgage multiple times in regards to my payment history reflecting on my credit report that is severily incorrect. I need immedate assistance in getting this resolved ASAP and my credit report being corrected. I have attached documents for proof of payments etc. My payments have not been 30 days late on the dates listed below, I have attached each email conformation ( as I make my payments online ) reflecting the date the payments were made. And they refuse to respond to me or the credit reporting agency 's I have also disputed these through. 

See dates below that I have documentation for : XX/XX/XXXX payment made XX/XX/XXXX XX/XX/XXXX payment made XX/XX/XXXX XX/XX/XXXX payment made XX/XX/XXXX XX/XX/XXXX payment made XX/XX/XXXX XX/XX/XXXX payment made XX/XX/XXXX XX/XX/XXXX payment made XX/XX/XXXX XX/XX/XXXX payment made XX/XX/XXXX XX/XX/XXXX payment made XX/XX/XXXX XX/XX/XXXX payment made XX/XX/XXXX XX/XX/XXXX payment made XX/XX/XXXX XX/XX/XXXX payment made XX/XX/XXXX XX/XX/XXXX payment made XX/XX/XXXX XX/XX/XXXX payment made XX/XX/XXXX If you look at other creditors on my credit report their are NO late payments only XXXX, that's a reflection on them and their processing of payments. All my payments were made before hitting 30 days.
Consumer complaint received 2024-04-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION (NH)

I checked my online banking. I noticed everything had posted - nothing was pending. There was a negative balance of - {$31.00}. I went into the branch and I spoke with XXXX. XXXX was very professional- thank you. However, I am disappointed. I gave {$31.00} CASH - to bring the account balance to XXXX. XXXX should post same day - right away. I asked XXXX to CLOSE the account. He said he was not allowed to close the account and needed to wait until the NEXT day. This seemed odd to me since cash was used - and there were NO pending transactions according to the banking app. 

I asked him to close the debit card - fine - no problem there as far as I can tell. 

Now, this XXXX  - I see at least one fee and possible fraudulent transaction. So, now, the account is negative- {$220.00} dollars! I don't understand why the banker was not able to simply close the account- since CASH was deposited and there were no pending transactions. 

I went into the bank on XX/XX/2024. It was around XXXX XXXX 
Now, XXXX, since the account was NOT closed as requested- I have a large negative balance - today is XX/XX/2024.
Consumer complaint received 2023-08-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (PA)

I respectfully urge Equifax and the major credit bureaus to promptly cease the inclusion of the specified entry in my credit report. It is my earnest request that you not only take immediate action to rectify this matter but also emphasize the importance of adhering to the laws established to safeguard American citizens from the practices of aggressive debt collectors and to ensure equitable conduct by credit reporting agencies. 

The detailed entry pertains to the following information : Creditor : XXXX XXXX Account Balance : {$12000.00} Account Status : XXXX XXXX XXXX Sent Account Number : XXXX Account Status : Closed Credit Limit : {$0.00} Highest Balance : {$27000.00} Payment Amount : {$0.00} Last Payment Date : XX/XX/XXXX Term : 76 Months Account Description : Individual Opened On : XX/XX/XXXX Closed On : XX/XX/XXXX Last Reported On : XX/XX/XXXX Days Late : XXXX : XXXX | XXXX : XXXX | XXXX : XXXX Payment Status : Collection/Chargeoff Amount Past Due : {$12000.00} Lowest Credit Rating : Not Specified Remarks : Account charged off as uncollectible debt Write-off : Classified as a loss in profits In accordance with 15 U.S.C. 1681 Section 602 A, which asserts my right to privacy, and 15 U.S.C. 1681 Section 604 A Section 2, which mandates the need for my written consent before disclosing account information, I implore your diligence in rectifying this situation promptly. Moreover, adhering to the stipulations of 15 U.S.C. 1692C, I emphasize that any communication related to debt collection must have my prior consent.

I kindly request your full cooperation in addressing this matter with a sense of urgency, while ensuring strict adherence to the pertinent consumer protection laws. Your commitment to rectifying this issue and upholding the principles of fair and lawful conduct is greatly appreciated.
Consumer complaint received 2022-10-17
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My only identifying information is as follows : My address : XXXX XXXX XXXX XXXX, SC XXXX My name to : XXXX XXXX My social security number is : XXXX My correct date of birth is : XXXX As proof of my identity, I have included copies of my drivers license and a utility bill. I have also included a copy of my credit report with the information I am requesting to be verified and deleted. 

Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX
Consumer complaint received 2023-06-27
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-22
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (NY)

In XX/XX/XXXX, we signed the paperwork with XXXX XXXX, XXXX Design Consultant @ XXXX XXXX, for window replacement/installation project in our summer house in XXXX, NY. I opened a Home Depot credit card as part of the deal and began repaying the deposit for this project ( XX/XX/XXXX - {$500.00} ; XXXX - {$200.00} ; XX/XX/XXXX - {$200.00} ; {$900.00} all together ). In XXXX, we got our windows measured by another XXXX XXXX employee. In XXXX, we scheduled the date for installation - XX/XX/XXXX, Saturday. We were very specific about a Saturday appointment as we live in XXXX and can only come every other Saturday. For the past XXXX weeks ( before XX/XX/XXXX ), we would get reminders a few times a week- via text messages, e-mails, and voice mails- about the upcoming installation date asking us to be in the house between XXXX and XXXX a.m. and reminding us about the importance of removing everything XXXX feet away from the windows. As law abiding and loyal customers, we came Friday night ( XX/XX/XXXX ) to follow the instructions. At XXXX (!!! ) a.m., we got a phone call from XXXX XXXX ( XXXX ) who told us that they had to cancel an appointment since they didn't have installation crew... He failed to answer when I asked him if he had found out about that issue at XXXX a.m. on Saturday. We were upset to the point my husband had to take his XXXX XXXX XXXX medication and pain relief pills. It was so unacceptable and unprofessional on the XXXX XXXX! 
We explained to XXXX XXXX that we are not available in XXXX- the whole point of that project was to get the windows replaced before winter. I tried to reach someone at Customer Service to get help. It was not easy as it was Saturday. I spoke to XXXX ( XXXX XXXX at XXXX, ext. XXXX ) who assured that XXXX XXXX ( XXXX XXXX ; ext. XXXX ) would give me a call the first thing on Monday, XX/XX/XXXX. Today is Monday XX/XX/XXXX ; no one has contacted me. I had to call these people myself : XXXX did not pick the phone and did not return my message ; XXXX again promised someone would contact me. 
Now, I am trying to close the XXXX XXXX card and get my money back ( {$900.00} ). Credit Card XXXX explained it is not up to them. XXXX XXXX Customer Service explained it is not up to them. Who is it up to??? We are so disappointed with the way they speak and treat us when we try to explain the issue. 
Please assist us to cancel the deal, close the credit card, and get the money back. Thank you.
Consumer complaint received 2023-06-27
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. (VA)

I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.
Consumer complaint received 2023-03-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I sent a dispute into equifax about a fraudulent XXXX XXXX account. They told me my ftc affidavit was not acceptable and put the account under disoute instead if blocking the account in 4 days as required under fcra, further experian sent a block referral to gave equidax blick the account. Under u.s.c 1681 c-2 uf another credit reporting agency receives a block referral the account must be blocked equifax is clearly violating federal law.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

This is in reference to the Wells Fargo settlement. Im submitting for overdraft fees that were charged erroneously during XXXX? Cant remember when I closed my account. Please let me know what I need to do.
Consumer complaint received 2021-11-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation (NC)

According to the provisions under the FCRA and FDCPA, I demand that this item be deleted from all the XXXX CREDIT BUREAUS as soon as possible. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must DELETE any erroneous reports of this past debt as mine from the credit bureau.
Consumer complaint received 2024-04-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NY)

Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX A collection was place on my credit report from the above company without my knowledge, the opening date reported is XX/XX/2019 in the amount of {$370.00}. The account is being reported as opened and is being updated. I am unaware of having any agreement with the above company, I also was not made aware of this debt. If in fact you believe that I received proper notification of this debt please provide me the certified mail signed by myself and also the method of validation. Furthermore, the statue of limitation to collect this debt has expired in the state of New York.
Consumer complaint received 2022-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (AL)

On XX/XX/2023, Lexus Nexis did not due an proper investigation and that I want these fraudulent insurance claims off my report this reporting company is a joke and needs to hire more Americans
Consumer complaint received 2024-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (TX)

Nelnet 's website does not work. I have tried multiple times to get my statements as their numbers do not match us with what I expect. I have relentlessly been called and threatened and then they realized they screwed up, sent an email about administrative forbearance with no context and no numbers to support their claims and I am no longer past due but I think my account balance is wrong and I can not get the statements from their website to verify this information. 

They don't have the resources to handle these loans nor the resources to run a stable website at all. Starting to think Nelnet is a scam to harvest government money.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AL)

I opened an account with Wells Fargo and then I went to XXXX. While in XXXX money was withdrawn from my account and it was overdrawn without my knowledge. Wells Fargo did not help or try to get my account back in good standing. My account was closed while I was in XXXX in XXXX.
Consumer complaint received 2023-08-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmerAssist A/R Solutions, Inc. (TX)

Company : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX, XXXX, XXXX, XXXX Debt Collection Company : AmerAssist A/R Solutions , Inc XXXX XXXX XXXX XXXX / XXXX, OH XXXX, ( XXXX ) XXXX, XXXX Terrible billing experience. I have been coming here for years and enjoy the skill and quality of the dentists however the past 8 months have been a billing nightmare. 

Events in order. 

XXXX. I get quoted to XXXX  and XXXX XXXX XXXX with an XXXX. With XXXX XXXX, cost is $ XXXX out of pocket for visits 1 thru 5. 

XXXX. I come for my visit 3 and get asked if $ XXXX is ok. I say yes if it's in line with the old quote. They say they can't pull up the old quote because of a system change. I attend my appointment assuming, there's the word, that they will honor it in good faith. After the service I receive a new quote for $ XXXX out of pocket for visits 3 thru 5. I find the old quote and realize the discrepancy. 

XXXX to XXXX. Several follow up phone calls and emails on my part and I get told that the previous visit was all out-of-pocket because I was maxed out on insurance which they failed to tell me that day. I get told tough luck. Another month passes and I get told they'll provide a refund for $ XXXX out of the $ XXXX I paid that day. Ok. 

XXXX. I get a bill for {$850.00} with the info that insurance didn't pay up and it's on me. Two more phone calls and emails trying to find out what's going on and no response. 

XXXX. My XXXX  XXXX falls out, I am trying to get service and resolve the {$850.00}. I am told that the bill has been sent to collections despite no one following up with me and there's nothing they can do now but I can call my insurance and collections? 

Not providing billing information at the time of service, wasting my time, confusion, no follow ups, and now collections? Offensive.
Consumer complaint received 2023-01-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (AZ)

I made a payment to my card on XX/XX/XXXX. I got a notice that the company reported me 30 days past due. When I checked my account online it showed the payment made on XX/XX/XXXX and on the same day showed a returned payment. Only one payment was made and it is impossible for it to be returned the same day. This would indicate that the company has not submitted the payment for processing. I called my bank and they indicated that the payment had not been submitted or returned. 

I tried to call the card company and their phone system disconnected each time. I called 8 times on XX/XX/XXXX to dispute with the company and no matter what choice I made the call would disconnect. I also tried to contact them through their chat function and also received no response. This company is fraudulently reporting incorrect information without the ability to reach anyone.
Consumer complaint received 2022-04-18
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. (MO)

In Accordance with the Fair Credit reporting act these accounts have violated my rights : ( 15usc.1681 section 604a section2 ) & 15USC 1681 602a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX *15USC 1681 section 602a states i have the right to privacy & 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-01-21
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: FIFTH THIRD FINANCIAL CORPORATION (VA)

I filed a credit card dispute for suspected fraud payments with the Fifth Third Bank on XX/XX/2022. The dispute case number is XXXX. On XX/XX/XXXX and XX/XX/XXXX, I received 2 letters from the Fifth Third Bank that the dispute has been resolved in my favor and the credit has been applied to my account. Please see attached letters. 

I didn't make credit card payments from XXXX to XXXX as the charges were in dispute and the dispute was resolved in my favor. 

However, the Fifth Third Bank has sent my account to the collection agency for late payment and it has significantly impacted my credit history. I am getting harassed every day by phone calls from collection agency. I have spoken several times to the customer care representatives of Fifth Third Bank and have met Bank Managers and Regional Managers, and all representatives have tried to resolve the issue by filling internal complaints. A Bank Manager informed me that it seems to be a technical error that although the charges have been cleared but the balance is still outstanding. 

The collections proceedings should stop as the charges were in dispute and the now the dispute has been resolved in my favor. The Fifth Third Bank should be penalized for harassment.
Consumer complaint received 2022-04-18
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. (MO)

In Accordance with the Fair Credit reporting act these accounts have violated my rights : ( 15usc.1681 section 604a section2 ) & 15USC 1681 602a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX *15USC 1681 section 602a states i have the right to privacy & 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I spoke with a representative and explained to them that I have 2 unauthorized inquiries I'm unaware of and I never applied for credit from this company. They told me to call the company and dispute it. I told them why would I call a company I'm unaware of and give them my information. So the representative told me to call the FTC and file a report.