davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (KS)

My XXXX year old son son was given a prepaid Visa gift card issued by Vanilla in the amount of {$50.00} last year ( XX/XX/XXXX ) by a friend for his birthday. The card was in a sealed tamper proof holder/envelope. We just opened the card today ( XX/XX/XXXX ) and I called in to get the balance and an automated system told me the balance is {$1.00}, so almost the entire balance has been drained by Vanilla or the issuing bank in less than a year and a half. The gift card package says the only fee is a {$4.00} purchase charge the first time its used, the expiration date on the card and packaging is listed as XX/XX/XXXX, and there is no other indication that usage/account fees or charges would apply, so we had no idea this company would drain the balance before the card was ever opened, activated or used. When I attempted to call Vanilla to speak with customer service and inquire whether there had been any charges and to complain about whatever fees they have withdrawn I got an automated system and was out on hold for half an hour before I gave up. Also, I could not locate a way to email them or otherwise contact customer service on their website. When looking through the printed materials/warranties provided with the gift card, there is no fee schedule listed ( only the purchase fees are listed ). This company is withdrawing fees before cards are even activated and not clearly indicating that fact on their packaging or even in their warranty materials, and is not a available to field inquiry calls or complaints. My son has lost virtually his entire birthday gift to these predatory practices.
Consumer complaint received 2021-12-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lien Receivables LLC (CA)

According to text messages which I have XX/XX/XXXX Lien receivables LLC Contacted me about a XXXX XXXX that was towed and they are accusing me of oweing XXXX dollars. I contacted DMV in XXXX and they said ignore them because that car is not in my name and I am not a previous owner according to DMV records. I ignored them after explaining DMV said that I am not a owner please contact them with any more questions please do not contact me anymore. They called multiple times and then as of today XX/XX/XXXX they contacted me through text message again after stating please leave me alone about a debt that isnt mine, They contacted me and said they sent me a letter which I did not receive and still they threatened to mess up my driving record or registering another car and they also threatened to mess up my credit due to this debt that isnt mine again I stated for them to leave me alone and that this is harassment. Ive been called the Federal Trade Commission and they transferred me to CFPB to file my complaint.
Consumer complaint received 2022-11-12
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX  CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; Bankruptcy XXXX XXXX-Discharged Reference # : XXXX Date Filed : XX/XX/XXXX ; Bankruptcy XXXX XXXX-Discharged Reference # : XXXX Date Filed : XX/XX/XXXX ; XXXX XXXX Bankruptcy Discharged Reference # : XXXX Date Filed : XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-12-29
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: Experian Information Solutions Inc. (NV)

Experian congratulated XXXX XXXX on improving his credit. 
Effort after effort to find out -more finally lead to be advising that the score is XXXX According to expert the score was XXXX Requested whether or not the false claim ( s ) by XXXX XXXX XXXX was finally dropped was not answered. 

Just submitted medical reports that indicate : ALL MEDICAL RELATED BILLINGS MUST BE DROPPED. 

XXXX ON THE XXXX OF XXXX WAS DEMANDED BY CERTIFIED MAIL TO DROP THIS BILLINGS 1 ) NO XXXX BEFORE THE SURGERY @ XXXX XXXX ) THERE IS NO NEED FOR XXXX  THAT DOCTOR @ XXXX WAS TOLD BY XXXX XXXX ON THE XXXX DAY OF 3 VISITS THAT HE DID NOT WANT & NOW THESE TESTS PROVE IS NOT- REPEAT NOT NEEDED SAID DOCTOR BILLED MEDICARE FOR 3 UNNECESSARY VISITS THAT XXXX CHALLENGED TWICE BY CERTIFIED MAIL TO MEDICARE
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (SC)

I have had a checking account at Navy Federal. While traveling to XXXX XXXX and a few times in town in XXXX XXXX, I had fraudulent charges that used my bank debit card. On XXXX XXXX charges made with XXXX for a messed up reservation for XXXX were made and cancelled by both myself and XXXX XXXX however, the bank charged me. Also, this happened at XXXX XXXX so frequently I quit using my debit card. There had been fraud with clergy. They reported a strange name used my identity but no charges were taken and I did not get the report from a year ago. This now is happening again. XXXX XXXX XXXX  for {$38.00}. Was charged on my card from a XXXX local gas station but I did not visit that shop. It was not removed. I need forensic accounting to know the real cause of my XXXX year problem with the XXXX banks but presently just Navy Federal Credit Union is involved. My account is on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate. It is a military account with a military widows pension. Also, last year a charge card at XXXX was ran up to {$4500.00} I did not use this card. There were repeating fraudulent debits occurring between XXXX joints accounts that started the electronic crimes in my accounts. The loss is upwards sixty grand now. Can you run forensic accounting on these XXXX small charges and give me the knowledge I need to stop the electronic criminals.
Consumer complaint received 2021-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST AMERICAN FINANCIAL CORPORATION (AZ)

Hello I just wanted to have this complaint captured so that everyone is aware of how unprofessional first American title was! I had a horrid experience with an agent by the name of XXXX XXXX, she works specifically with escrow at this company. She works at the XXXX XXXX XXXX and has got to be removed from being near a phone by all means! She shouldnt be allowed to be interfacing with potential clients or existing ones. She made a significant amount of XXXX XXXX while forgetting to place herself on mute and have a colleague of hers partake in this conversation. As a person of XXXX  ethnicity it made me sick to my stomach that this company has not only failed to be diligent in acknowledging my concerns but responding that my concern has been heard and action is going to take place! I have sent numerous emails asking for someone in management to get back to me and my messages go unheard. Im doing this in hopes that someone will hear me. Someone will give me a proper response. Do not bring your business here!
Consumer complaint received 2018-02-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MO)

I do owe the following debt collectors ( XXXX XXXX, XXXX XXXX ) nor was I ever contractual obligated to them. Once a debt has been bought, paid and/ or charged off, then it's no longer a debt, it's been sold and paid for. And with any contacts once the contract been sold, the original contract becomes void.
Consumer complaint received 2021-12-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (FL)

I, a natural person was issued a false debt that was placed on my credit report. I contested this false accusation with JPMorgan Chase and they sent documents which I have uploaded alongside this complaint with false validations of said debt. This is a clear violation of my rights under Title 15 US Code Chapter 41 COMMERCE AND TRADE ( SUBCHAPTER 5 ) FAIR DEBT COLLECTIONS PRACTICES ACT. Enclosed I have attached a detailed letter of my ongoing experience with this event.
Consumer complaint received 2021-12-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (FL)

I a natural person was issued a false debt that was placed on my credit report. I contested this false accusation with JPMorgan Chase and they sent documents which I have uploaded alongside this complaint with false validations of said debt. This is a clear violation of my rights under Title 15 US Code Chapter 41 COMMERCE AND TRADE ( SUBCHAPTER 5 ) FAIR DEBT COLLECTIONS PRACTICES ACT. Enclosed I have attached a document detailing what is transpiring due to this false accusation of said debt.
Consumer complaint received 2021-12-29
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. (HI)

On XX/XX/2021, I sent a certified letter to EXPERIAN disputing the XXXX XXXX XXXX ACCOUNT # XXXX, EXPERIAN responded saying they verified this account as accurate, however on my recent report the " STATUS UPDATED '' did not change and under the " COMMENTS '' section Nothing was mentioned about my Dispute at all. So obviously no Independent Investigation was actually done by EXPERIAN. I am requesting deletion based upon the fact that EXPERIAN did not follow procedures as outlined in the FCRA.
Consumer complaint received 2021-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX I paid off two credit cards totaling {$2500.00}. Balances left @ {$0.00}. Debt to credit ratio dropped to 2 %. Transunion dropped my credit score by XXXX points. No other activity or changes posted. I assumed it was a mistake and gave them a few weeks. XX/XX/XXXX I open a support chat online and was given general info. I called Transunion and verified my identity and my report was looked at. I was given a ridiculous the excuse, " They can't make changes to my score because system does it automatically ''. I couldn't access my report or score online because I had just opened a dispute for fraudulent " XXXX XXXX '' collections by XXXX for {$1200.00} after recently disputing the same charges by another collection agency. I made myself very clear that no other changes were made to my report besides dropping my debt to credit ratio. I also explained that I was denied credit by XXXX because XXXX XXXX only utilizes Transunion for their reports. While a few days later I acquire store credit from Stores that do not use Transunion solely. I was denied credit because the phone operators did not look in to my account. This is probably because they are swamped or don't have the clearance to make corrections. Reading from a script might be okay for telemarketing but it's not acceptable when it comes down to protecting consumers from fraud and theft. I didn't expect to be denied credit and ignored while working extremely hard to repair my credit to purchase a home soon.
Consumer complaint received 2021-12-29
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. (CA)

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2021-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

Att has been trying to exhort me for money I dont owe them. I have told them that, and provided them proof that if and when an account was opened up there I wasnt living in the property, however my x-wife resided at the property after we split, and then she rented it, before we got divorced and sold it, they have been trying to collect {$390.00} or sometimes XXXX, and other amounts, from me and I called them about this and they said they would get it corrected and removed, but the harassment and assault to my credit by four different collections agencies since XXXX has not ceased and I'm tired each time I have had to spend countless hours and time and resources to have it removed from my credit report and it needs to stop. XXXX XXXX XXXX. XXXX XXXX XXXX, some other company, and now XX/XX/XXXX, I.C. System Inc. This has got to cease, this is illegal, for any all and all companies to just throw a charge on your report as many times as they want without honorable merits, I asked for my id or signatures of the contract, they never provided it, nothing but statements generated that I didnt own or make a bill for in my name.
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 (CO)

It has been a few years but between the months and year of XXXX to XXXX of 2018 I believe someone hacked my account with wells Fargo and moved money around from multiple accounts I had with wells Fargo. So I had to open several disputes with the bank because this happened on the weekend and I believe Monday was a holiday so banks were closed and I couldn't call costumer service because they called and added a verbal password so I had to physically go into a branch. In the end I was never made whole by wells fargo, I lost about {$4100.00} and only recouperated {$900.00} back.
Consumer complaint received 2023-01-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

I have been contacting and sending documentation to the XXXX credit bureaus for over a year now about my credit report and how things are not correct on all XXXX bureaus. They keep giving me the runaround and not fixing the problem which they are supposed to do by law. I am in distress and I am suffering physically because my life is getting worse. I need you to step in and enforce the law. Help me please!!!
Consumer complaint received 2015-06-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (NY)

I have a home loan with M & t bank. I 've never been late. Even now. 
Part of my loan had a requirement that I open an M & T bank account and the loan payment is pulled from there into the loan. 

For XXXX yrs I 've had an automated transaction from my XXXX XXXX account to move {$580.00} into my M & T account. The loan payment is about {$570.00}. 

I always check my digital email receipt of the wells transaction and my physical loan mailing update to make sure all is ok. 

A week ago, M & T calls me to tell me I have overdraft charges. I assumed my automatic transfer of {$580.00} from XXXX XXXX to M & T failed. But it worked and my loan was paid up to date. I asked " how do I have an overdraft then? ". Them " well you did n't pay the fee '' Me. " what fee? 

Basically, they created a {$15.00} " under {$500.00} '' fee on my account that I was required to have. They may have sent snail mail to me but I have a XXXX ratio of junk mail from them so I only read my mortgage mail. My mortgage was up to date. 

I had been paying {$2.00} more a month and they took the fee out of that. When that was all taken they gave me an overdraft of {$80.00}. They say they ca n't refund it and I owe them {$5.00}. They " changed '' aka fixed my account so I is only for transfers but they ca n't " undo '' {$80.00} fee. Working with databases and CC transactions I know that is a complete lie and it 's just a rule to screw over customers. 

I have never been late. I want my money back. 

I was paying them on time for XXXX years. They make a profit off that. They charged me a fee on an account that I was required to have ( profit on profit without extra work on their side ). They did n't properly alert me to the fee ( not thru email possibly hidden in junk snail mail offers ). They took my money and then fined me for the unpaid fee that I was n't alerted about on a required account for a profitable transaction. 

Again, I have never been late. I have never used that account for anything other than my loan transfer. 

What can I do? They said a manager would call me back after they called back and told me my request was " declined ''.
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LAKEVIEW LOAN SERVICING, LLC (GA)

Lakeview Loan Care has put a 30 day delinquency on my impeccable credit report because of their mistake and the previous loan companys ( XXXXXXXX XXXX ) mistake. 
The loan was scheduled to transfer on XX/XX/XXXX from XXXX to Lakeview however the loan did not transfer as anticipated. The delay in the transfer of the mortgage was caused due to a disconnect within the internal process at XXXX. On XX/XX/XXXX, XXXX automatically drafted {$560.00} first before Lakeview could draft the mortgage payment. The loan servicing transfer was not completed until XX/XX/XXXX and a bulk check was issued to Lakeview which included my XXXX payment. 
Lakeview is putting a delinquency on my credit for a late payment for XXXX and XXXX, when in reality the loan wasnt even transferred until XX/XX/XXXX. 
That means that I was still protected under RESPA and Lakeview has no right to put a delinquency on my account.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Card Receivables Fund Incorporated (FL)

To whom it may concern : I am also requesting a copy of my updated credit report. I have the right to contest any information on my credit report that I believe is inaccurate. So, I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports. The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and accordance with XXXX XXXX regulations or else you could face fines! AGAIN! 
Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and XXXX XXXX standards. For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you considers the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, Im requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report. These allegations appear to be false. Please provide evidence for each claim. If any of these claims are not true, please delete them immediately. I am also requesting a copy of my updated credit report. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form UNIFUND CCR LLC ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX