davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (FL)

Scam XX/XX/year> I had to call XXXX due to text for XXXX {$3100.00} card cancelled they attached my new card to XXXX XXXX XX/XX/year> a call from Wells Fargo phn # stating fraud dept stated someone was using XXXX XXXX  XXXX a XXXX XXXX XXXX XXXX XXXX. Said not me ( XXXX  ) they are trying again. XXXX asked am I primary on apple. I said idk XXXX said no worry we fix it. XXXX asked for passwd for XXXX XXXX I gave it. They are telling me what to do put myself/prim. Now I primary on app/pay. They say stopped a XXXX trying XXXX come thru. r u getting text I say no. they state alerts must b turned off. i asked how to fix.they asked for password. Gave & verified last activity in act. Stated alerts off and will be fixed. XXXX calls from wfb to sharescreen to fix alert XXXX c info not mine not me nameAmount in checking not right.XXXX  XXXX to fake person. To c alert No alert came Did this XXXX Hung up on called # back speak to fraud was told Wells Fargo was impersonated and I was scammed. 

Police report # XXXX spoke with police and this is being submitted to fbi. 

How many people have to be scammed by an impersonation of Wells Fargo for anything to happen. Doing internet search theres so many complaints against them. 

I turn to you to keep them in line. I did not authorize anything from my account. I keep getting denied. I called Wells Fargo with in minutes as soon as I realized I was being scammed. I need your help to get my money back. This isnt right.
Consumer complaint received 2023-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery Associates has violated the FCRA In response to your letter dated XX/XX/2023, regarding the XXXX XXXX XXXX credit card account ending in XXXX. 

I have reviewed your letter and the documentation you have provided. I understand that they purchased this account from XXXX XXXX  and that they believe I owe a balance of {$590.00}. 

However, I do not believe that I owe this debt. I have never opened a XXXX XXXX XXXX credit card account, and I have never used a XXXX XXXX XXXX credit card. I have no record of any transactions or payments made on this account. 

I believe that this debt has been erroneously assigned to me. 

I have reviewed the documentation they have provided, and I do not believe that it proves that I owe this debt. They have not provided any records to show that XXXX XXXX XXXX credit card account was opened in my name, and they do not show that I ever used the account or that I ever agreed to pay for it. They also have not provided proof that I signed any agreements with them for this debt for them to purchase it or for me to pay them. 

I have also reviewed the Fair Credit Reporting Act ( FCRA ), and I believe that they have not complied with the FCRA in their handling of this matter. The FCRA requires them to investigate all disputes regarding debts that they report to credit reporting agencies. They must also provide me with a copy of the debt validation letter that they send to the credit reporting agencies. 

You have not provided me with a copy of the debt validation letter that they sent to the credit reporting agencies. They have also not investigated my dispute promptly, if at all. 

I believe that their failure to comply with the FCRA has caused me harm. My credit score has been damaged, and I have been harassed by their collectors and denied access to housing and a better life for my family.
Consumer complaint received 2023-05-08
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. (SC)

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (CA)

1 ) Chrysler Capital -fails to update accurate and updated information on reports that is linked to my name. This is a violation and my reason is below : a ) Under 15 U.S. Code 1681b Permissible purposes of consumer reports. I have never given written consent for any reporting on my consumer reports, and am invoking this law to address this issue. Consent is absent and this constitutes as fraud. Also, Inaccurate reported late payments and billing errors. This account is in violation.

b ) Under 15 US Code 1605 ( a ) - If a finance charge was included which is the sum of all payments, there should be no late payments on this account.

c ) 15 USC 1692 ( g ) - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to. Erroneous account Direct Violation of d ) 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS. This account must be deleted immediately. 
e ) 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only. Under 15 USC 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt this account is in violation.

Additionally, recently we have an agreement that I am now at a XXXX balance and the payments were placed on the back of the loan. This further validates the payment history has been incorrect and continues to be incorrect as I am not 24 payments late. All the above are all VIOLATIONS and this account needs to be removed immediately.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-06
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. There are items in my file that are erroneous and suspicious. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$3100.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX Balance : {$5300.00} XXXX XXXX  XXXX Balance : {$1400.00} XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (PA)

They sent me an email after the transaction that I cant seem to find. Venmo said they have to hold the funds for XXXX for loss prevention reasons but all I did was send XXXX to a friend! My father sent me XXXX that day ( opened the Venmo account same day! ) I sent XXXX to my bank account and kept XXXX in my Venmo wallet ( which I cant do anything with either ) then I sent the remaining XXXX to my friend who really needed it.. They said it was suspicious activity and froze both our accounts leaving him without XXXX dollars to use! What a great company.
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

We have a Bank of America CC account that has been closed and are making monthly, automatic payments. In XXXX of 2023 their system did not properly withdraw a payment of {$210.00} from our account on XXXX different occasions but we were never notified. Upon getting our statement we noticed this issue and made a double-payment in XXXX to become current but by that point their system had registered us as '30 days late ' and reported this to the credit bureaus. The error seems to be with their system but they refuse to admit this, correct the problem, or provide us with any information proving otherwise- they have effectively stonewalled us and told us that their company has a policy of 'not issuing credit corrections ' even when they have made a mistake. This has severely hurt our credit and needs to be adjusted. In the attachment you can see us attempting to make payments and additional payments made once were were notified of their bank error. To be clear we went multiple months without receiving a statement which made identifying this error early impossible. 

We had previously published a complaint containing this, BofA did send me an email with a contact but this person has not responded to many emails or calls and it is clear that they do not take credit reporting errors seriously.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2022-07-08
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: BARCLAYS BANK DELAWARE (MD)

XX/XX/XXXX RE : FRAUDULENT CREDIT CHARGES : BARCLAY BANK OF DELWEAR CHOICE PRIVILEGES VISA SIGNATURE ; XXXX XXXX XXXX This notice/letter of compliant regarding Barclay Bank of XXXX  De XXXX XXXX 
To reinvestigate credit charges of {$460.00} including late fees and interest. 

To date, I have sent certified letters ( dated ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to Barclays Bank hasnt replied to the specific information request regarding unauthorized charges. 
In this reinvestigation, Im requesting the vendors/bank to provide viable document evidence bearing my signature reflects the date, amount, and services provide. Also requesting the names, email- address of individuals you contacted so that I may follow up on any/all data provide must be verifiable information reported accurately. 

In the interim this item should be noted on my credit reports ( XXXX, XXXX, XXXX ) as in-dispute until disputed actions can be solved. 

This issue has been in Non-Compliant with both Federal and State regulations and codes. 
Fair Credit Reporting Act a. 611 ( a ) [ 15 USC 1681i ] ( a ) b. 612 [ 15USC 1681j ] c. 604 d. 623 ( a-3 ) Fair Debt Collection Practices Act 1. 807 ( 8 ) Thank you, in advance for the prompt attention to very important matter. Look forward to having this discrepancy resolved soon. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

XXXX : XXXX XXXX : XXXX I received a letter dated XX/XX/2022 from XXXX XXXX XXXX XXXX XXXX XXXX  informing me that enclosed is a check for me to deposit in the amount of {$1600.00} and to deposit this as soon as possible. An additional check of {$45000.00} was enclosed to payoff the creditor ( XXXX ). 

My husband, XXXX XXXX, reminder me that I needed to deposit the check as soon as possible. I grab the checks along with the letter to make a deposit. I entered the Chase XXXX XXXX XXXX. I was very physically and mentally exhausted for two to three weeks with Chase Mortgage representatives to refinance the XXXX timeshare to receive a lower interest rate ( this process was time sensitive ). 

Since I was tired I asked the teller to read the letter before I made a deposit because I had two checks and wanted to ensure I was depositing correctly. She looked at the letter and said ok, you want to make a deposit. This checking deposit was made on XX/XX/2022. 

When I was home, I indicated to my husband that I deposited the checks and he told me that I was suppose to mail the larger check to XXXX. Then, I call XXXX XXXX ( Chase, Mortgage from NY ) explaining what I did. She said she would contact the Title company to resolve the issue. A couple of days had past and I never heard from her. At the same time, I tried calling XXXX XXXX and left voices messages to let me know on how I was to proceed. I never received a response from her either. 

On XX/XX/2022, when I was trying to make a deposit, I discovered that my account was restricted and to call a number for more information. I called that number and was told that I needed to contact XXXX to dispute the check. 

I called XXXX local branch office on how to proceed ; however, the receptionist indicated that their office does not have access to their record and she can call a third party. I then gave her all my contact information along with the XXXX XXXX. Within a few minutes, I received an email from XXXX, XXXX XXXX, Senior Supervisor, XXXX XXXX. 

Im a great grandfathered Chase member and extremely disappointed that I hadnt received notification by mail or email from Chase stating that my account was restricted and how to resolved the issue. 

At this time, I have notified Chase with the event number XXXX and that XXXX is assisting me in the dispute.
Consumer complaint received 2024-04-09
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

I have been banking with Webster Bank for years and using their Paper Check Bill Payment service. 

It used to be that when I order a Paper Check to be sent to a payee by a certain date, the debit of such payment funds from my account would not occur until the payee deposits or cashes my check. 

But now Webster Bank has implemented a new policy, without prior disclosure, of debiting my account upon the specified delivery date rather than when the check is actually cashed, as previously. 

Is this new approach legal? A paper check should not be debited until cashed by payee -- that's the way paper checks work. 

Is Webster Bank attempting to surreptitiously earn money on the Float?
Consumer complaint received 2020-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Synovus Bank (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2023-02-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (RI)

Dear CREDIT ACCEPTANCE CO  : XXXX ; In accordance with the fair credit reporting this account has violated my rights. 15 USC 1681 section 602 states I have the right of privacy. 15 USC 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. 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 correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2022-09-01
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: NAVY FEDERAL CREDIT UNION (NV)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : NAVY FEDERAL CR UNION XXXX ...... Date Opened XX/XX/2017 XXXX {$1900.00}
Consumer complaint received 2022-10-20
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. (GA)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that I did'nt pay and was marked late because this clearly a billing error. 

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). 

Damaging my character and Ive tried numerous of times to get the matters escalated and resolved with them directly. 
Im XXXX and XXXX after dealing with inaccurate information on my credit reports. This is defamation of my character and detrimental to my health. Transactions known as late payments are illegal and are to be excluded from a consumer credit report. This inaccurate late payment ( s ) violate the Fair Credit Reporting Act and I demand you to remove it from my credit report. 
Your corporations have caused me to be judged and lose out on opportunities which created actual damages to my life. I demand you to correct this to paid as agreed or risk being under litigation in federal court
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (FL)

Did a rental application no application fee is at the cost of XXXX no such thing I no longer wanted to go with this unit so I didnt go further I didnt sign no lease anything of that nature I have email in communication and receipt sent that I had a balance of XXXX and few month down the line I received a collection as if they sold my profile to collection and I owe nothing at all its been deleted off my XXXX and XXXX and now is affecting only my XXXX and collection never hit on my XXXX to begin with