davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Paramount GR Holdings, LLC (AZ)

House was sold and buyer was approved to assume the solar loan. Several months later the loan is still in sellers name and has not been transfered to the buyers name even after they were approved. All documentation has been sent and they have not completed the transfer yet.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MI)

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

During the course of overnight processing, Bank of America arbitrarily assigned dates to my account activity. They assigned a date of XX/XX/XXXX to debits and XX/XX/XXXX to credits. I can not emphasize this enough : Close of business XX/XX/XXXX I had a positive balance. Open of business XX/XX/XXXX I had a positive balance. They assigned dates convenient for them which resulted in fees being charged. This must be corrected.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc. (GA)

I am writing to dispute the response I received regarding my complaint, which was marked as a duplicate on XX/XX/2024. I must respectfully disagree with your assessment that my complaint was duplicate in nature. My initial communication clearly outlined specific issues and requests that have not been adequately addressed. 

First and foremost, I want to address the legality of reporting transactions that are excluded from consumer reports by law. As per 15 U.S. Code 1681a Definitions ; rules of construction, the term " consumer report '' excludes information solely concerning transactions or experiences between the consumer and the reporting entity. Therefore, transactions and experiences with your company that fall under this exclusion should not be furnished to consumer reports. 

Furthermore, under 15 U.S. Code 1666b - Timing of payments, a creditor may not treat a payment as late unless reasonable procedures are followed to ensure that required information is mailed or delivered to the consumer at least 21 days before the payment due date.
Consumer complaint received 2023-01-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

I XXXX XXXX was a victim of identity thief and therefore these collections were placed on my credit file fraudulently. Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a 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. 

The above-mentioned account was furnished without my written instructions.
Consumer complaint received 2017-07-13
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. (CA)

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX  XXXX : :XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (FL)

-I received a past due notice from Nelnet for XXXX on XX/XX/XXXX. 
-I checked my banking account and payment posted to Nelnet XX/XX/XXXX XXXX I attempted to call Nelnet and office closed for XXXX XXXX XXXX  XXXX I also tried logging on but unable to do so due two tier authentication and no IT due to office closure XXXX I emailed Nelnet on XX/XX/XXXX and got a general email back on XX/XX/XXXX. 
XXXX I reviewed Student Aid.gov and Nelnet for protocols for resolving this ; none found XXXX I contacted Ombudsman A rep name XXXX  advised that website was down and submitted Feedback. XXXX re-directed me to Nelnet XXXX On hold with Nelnet for 1 hour and 14 minutes... still waiting on telephone.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (PA)

RE : claim # XXXX I requested a refund from Chime for services not rendered. I was denied a refund within an hour. I was not given the opportunity to provide any proof to this claim. I have corresponding text message as proof as well as paperwork I was suppose to receive with other people 's name on it. These transactions were paid out through XXXX XXXX. This was XXXX of the reasons I was denied a refund. I was also told I was denied provisional credit due to me having a XXXX balance. At that particular time my balance was not at a XXXX balance. I did withdraw my funds from Chime, and stopped my direct deposits due to terrible customer service. There have been times I go to the store to make a purchase, and that transaction is denied with thousands of dollars in my account. The excuse I am given is we are having a glitch in the system ; try back later. My funds as a consumer are supposed to be protected at all times. I previously called for another refund, due to me not receiving my product. I was denied that refund as well. I have moved my business to another financial Institution. 

As a depositor with Chime my funds are covered through the FDIC up to {$250000.00} dollars. I expect Chime to do a legit investigation. 

As a consumers we are the reasons these financial Institutions stay in business. These institutions have no money or collateral. These contracts made with these corporations ; it must be XXXX parties that come together with equal collateral. These institutions use the consumers funds. We all know that for a fact. 

I am following up with the FDIC as well with this complaint.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (WA)

I began to receive notifications by email that there was activity on my account that was unusual. I had had Wells Fargo as a bank for over several years at this point, and had trust in the bank to protect and insure my account and funds with fraud protection and security. Suddenly, I noticed large amounts of money being transferred through to XXXX to the names of people I had no relation to or knowledge of. It all added up to about {$6000.00}. I immediately contacted Wells Fargo about my compromised account and the fraudulent charges. Wells Fargo promised to investigate the fraud and they gave me a provisional credit for the amounts I disputed. Over the next few months, I used my account as normal and spent the credited funds while Wells Fargo investigated. A few months later, I got a notification that they had completed their investigation, and they found me liable for these charges, despite my claim of being a victim of identity theft. I honestly had full trust that Wells Fargo would cover the fraud on my account, and was shocked by their resolution. Their solution was to reverse the provisional credit {$6000.00}. These funds were immediately reversed, causing my account to become overdraft and in the negative, and because I had had several transactions in between those dates of receiving the credit, and having the credit reverse, they then charged me several overdraft fees which plunged my account even further into the negative and ultimately caused it to close. Ever since this situation, it has been difficult to recover financially. It caused me to have a hard time to open a new checking account. Ive had to use banking apps like XXXX or XXXX or XXXX. Wells Fargo went against all protections they had agreed to give me, their own T & Cs and policies for fraudulent activity, and ultimately did not fulfill their end of the banking agreement which was supposed to prevent and protect my account and funds.
Consumer complaint received 2023-01-22
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. (FL)

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. 
XXXX PA XXXX date opened XXXX XXXX this paid in full and sold to another company. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX and mortgage fraud and identity fraud. XXXXXXXX XXXX  taking XXXX  out on my name without my content which is identity thief, XXXX fraud and mortgage fraud.
Consumer complaint received 2021-12-14
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phoenix Financial Services LLC (VA)

Phoenix Financial Services contacted me in earlyXX/XX/XXXXregarding an emergency physician bill from XXXX ( I think ). I disputed the bill and asked them to send information regarding this account. Information was sent to me and I had questions about the supposed debt. I was contacted again in XX/XX/XXXX and I made it clear that I had questions about the information that was sent to me and would need time to review and requested no more calls until I had an opportunity to do so. Even though I made this request, I continued to receive collection calls from Phoenix Financial Services ; somewhere around XX/XX/XXXX I received three collection calls in one day! I made it clear to the agent that I considered it harassment that I continued to receive calls regarding this account after I requested an opportunity to review their documents and told them I would call back. My credit score has been negatively impacted by Phoenix Financial Services from their reporting of this supposed debt as a collection account on my credit report. They reported an origination date of XX/XX/2021 even though I requested an opportunity to review the information in advance of that.
Consumer complaint received 2019-12-18
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: Experian Information Solutions Inc. (FL)

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 
As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves.
Consumer complaint received 2020-03-02
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. (FL)

This account has been obtained by someone else who stole my identity and now I am paying the price for it. My credit is being hindered by the fraudulent account due to the fact that I am XXXX  XXXX and the bank will not extend the needed loan amounts for me to take on projects of my caliber that I am accustomed to. I ask for your help in the removal of this fraudulent XXXX XXXX  XXXX XXXX account.
Consumer complaint received 2020-03-02
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)

This account has been obtained by someone else who stole my identity and now I am paying the price for it. My credit is being hindered by the fraudulent account due to the fact that I am XXXX XXXX and the bank will not extend the needed loan amounts for me to take on projects of my caliber that I am accustomed to. I ask for your help in the removal of this fraudulent XXXX XXXX  XXXX XXXX account.
Consumer complaint received 2023-01-22
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: EQUIFAX, INC. (FL)

XXXX XXXX  XXXX XXXX XXXX XXXX. 
XXXX PA XXXX date opened XXXX XXXX this paid in full and sold to another company. 

XXXXXXXX XXXX  HAS XXXX XXXX XXXX and mortgage fraud and identity fraud. XXXX XXXX  taking XXXX  out on my name without my content which is identity thief, XXXX fraud and mortgage fraud.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AL)

I had problems for years with being constantly charged fees for funds I had applied to my account. The app or online with state XXXX thing and you bring your account current just to be told will our time is different or the app is not at the timing of what is shown on our end
Consumer complaint received 2021-11-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Money was sent via XXXX using my capital one bank account without my consent by another individual, amounting in XXXX dollars, I reported this to my bank and denied my claim and will not get my money back which a representative at XXXX stated my bank can do, and has to do because it's XXXX 's policy, but my has to be the one to reclaim the money because it was done through the capital one mobile.
Consumer complaint received 2019-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transactions that I have made or authorized. It is the result of identity theft. And I have filed a police report with my local police department to have this issue investigated
Consumer complaint received 2024-01-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

According to XXXX XXXX I owe almost XXXX $ on a XXXX XXXX  card from XXXX XXXX. They said the date was from XXXX  and i XXXX XXXX XXXX XXXXXXXX from XXXX  Then XXXX  XXXX  changed the date to XXXX. When i left America in XXXXXXXX- i had paid off all my bills. Everytime i call XXXX, XXXX XXXX, or XXXX XXXX  no one can give me any facts on what this XXXX $ is from. I am afraid it is fraud and it is on my credit and i can not get an apartment.
Consumer complaint received 2019-12-18
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. (TX)

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transactions that I have made or authorized. It is the result of identity theft. And I have filed a police report with my local police department to have this issue investigated
Consumer complaint received 2019-12-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (IN)

On XX/XX/2019, I received a phone call from XXXX with a caller ID indicating XXXX XXXX from XXXX XXXX, CA. I answered the call and went through two transfers with the phone cutting in and out. I then was told the call was from XXXX XXXX and they were calling about a Debt with PayPal credit. I asked the reps name and was told it was XXXX XXXX. XXXX has an XXXX accent and was hard to understand. She indicated that today shes calling about a debt they purchased from PayPal and you owe us today. Ive never received any form of communication from the company prior - she indicated that a letter had been sent to my home address on XX/XX/XXXX. I told her again Id never received this letter and asked if she could please resend it. Each time I attempted to ask her a question about this, she cut me off and said you need to pay this today or Im turning it to court. She then said, you made a payment on XX/XX/2019. Again, I asked her to send the letter as required by the FDCPA - she then started to get irate and ramble. She began to say, youre refusing to pay today ... I again told her to send me the info first. I told her not to call me until I get the letter. This same number has called my husband on his cell - hes not even on the credit card. This is the first time I received this call. I want documentation from XXXX XXXX.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

Being charged over draft fee due to bank error ... wells fargo bank deposited funds in my account on there error. 3 months later a withdrawel transaction was conducted without authorization or proper notification causing over draft fees. Also had issues with bank in the past with other over draft fees.
Consumer complaint received 2021-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (NV)

I cancelled my credit card 5 months ago because they charged me and annual fee. There was a balance of approximately XXXX XXXX when I got my next statement after closing the account not for the interest but each month they have been charging a XXXX maintenance fee! Im about to make my last payment to them they have XXXX  me out of {$60.00} for closing that account all of my crudits cards are paid off and none others have ever charged annual or maintenance fees! The c/c company is Fortiva there phone number is XXXX XXXX XXXX and correspondence address XXXX  XXXX XXXX XXXX GA XXXX
Consumer complaint received 2022-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: COMMERCE BANK (NC)

Commerce Bancshares, XXXX  XXXX They make it extremely difficult to transfer money out of your account, for example when I need to pay rent. 

With many external transfers they put your transaction on hold. To stop the hold you have to call them and they take forever to answer the phone. 

Their online platform is clunky and doesnt work half the time. 

You can not transfer money via mobile. 

Their daily transfer limits are so low, that I cant pay a mont rent with a single transaction. 

They often block transaction for the dumbest reasons.
Consumer complaint received 2019-12-18
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: EQUIFAX, INC. (GA)

My next step is to file a lawsuit against Equifax for reporting inaccurate information on my credit fie. This is my 7th attempt to get this inaccurate information removed from my credit file. The XXXX XXXX information that Equifax is reporting does not belong to me. I have been trying to get this matter resolved for the past 6 months. Now I will have to take legal action against Equifax for this inaccurate reporting. Equifax has 15 days to remove this inaccurate XXXX XXXX information from my credit file.