davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-19
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. (NC)

n accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under15 USC 1681. I have sent them several letters concerning this matter and to no avail, they have yet to respond I have also uploaded the documents that I have sent to them and still nothing. I have sent an updated dispute on XX/XX/2022 which they have responded to that they have gotten. 

1. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.

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

15 U.S.C 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. These accounts that were furnished have violated my consumer rights and I want them to delete from my account.

15 U.S.C 168c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information or 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.

Delete these accounts immediately!
Consumer complaint received 2022-04-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Klarna AB (CO)

XX/XX/XXXX {$25.00} Late fee charge from Klarna for a missed payment Since XX/XX/XXXX an automatic payment was set up through my back and as of XX/XX/XXXX, I was notified by a letter I missed my XXXX payment. 

When checking my online account portal account my automatic payment account had been removed. 

XXXX has no direct phone number so I was forced to use a " chat '' function to dispute the charge. 

The rep said, " In this case, Klarna does not cover late fees on your bank since your payment is set for manual payments. '' I had to point out 6 times during my entire interaction that I had automatic payments set up since XXXX and that in XXXX they deleted the automatic payment. 

Finally I was told they escalated the issue and they would respond in the chat, but I would need to download their app. 

There was no option for a phone call or email.
Consumer complaint received 2022-04-19
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. (NV)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  has violated my rights : 15 U.S.C. 1681 Section 602 A. States I have the right to Privacy.

15 U.S.C. 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

I was promised the late payments on this account would be removed from credit report by a representative of this company. This company has violated my rights and have not honored their promised as agreed upon.
Consumer complaint received 2022-04-19
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. (CO)

I have submitted four investigation requests to Experian starting in XXXX of 2021. ( please see attached letters ) all 4 letters were mailed certified with confirmation that they were received. 
Ex

perian has violated FCRA for multiple reasons on this account.

1 ) They have yet to respond to me in over 5 months- however they put comments on the credit report stating account in dispute now resolved. - NO INVESTIGATION was done!

2 ) In the comments they report : unpaid balance reported as a loss- however in account status it shows PAID- which it was paid in full!! ANOTHER VIOLATION 3 ) the two year history is continuing to show " CO '' well over two years old- ANOTHER VIOLATION- which this is not only inaccurate but outdated.

Ive attached all supporting documents including letters as well as credit report.
Consumer complaint received 2015-03-25
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: WELLS FARGO & COMPANY (SC)

in XXXX of 2010 we purchased a car. in sc you have 45 days before payment is due. however they started in XXXX for XXXX payment even though we put down payment taxes title etc, at the time of purchase we were unaware of any problems and with my spouse having XXXX English from another country there was a time 1 yr later we had gone through a hardship and needed to break payments up. we were told to do so online and put wrong account # down by XXXX number. that " wrong '' account was active and excepted the payments all in full. it took us 2 months to be caught up. while out of town the car was repo. we came home 5 days after car had already been soled in atl ry. our bank tried to let them know with payment history that the funds were accepted on there end and confirmation was sent back to us. however they used the XXXX payment for reason to pick up car. the car was a 745 bmw 4 yrs old and. in perfect condition we owed XXXX left after a XXXX loan. and sold for XXXX at action in atl, within 5 days. our credit is terrible due to wells fargo stating we still owe XXXX with fees and interest. help please.
Consumer complaint received 2022-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

I received a push notification the evening of XXXX that my atm card was used at an atm location on XXXX XXXX XXXX in XXXX XXXX. I was not in XXXX XXXX that day, and my card was in my possession. My card was not stolen, no one other than myself has a card or permission to use it. I am also the only person with the PIN number. I automatically called the bank to inform them of the fraud that was committed, and was told I had to wait until the transaction was no longer pending before I could put in a dispute. On Saturday morning the date of XXXX, I put in the dispute by phone, and once again reiterated that the card was not stolen, was in my possession and that I had not made the transaction. I was told it could take up to 45 days to resolve the dispute. The dispute was denied on Monday morning, the XXXX of XXXX, and I was not given any explanation. I was told I had to wait up to 10 days to receive an e-mail explanation. I received the mail this morning, which is XX/XX/XXXX. The e-mail is quite suspicious, as it does not indicate the name of the business/bank atm where my supposed card was used, the address of the merchant, or the name of the person sending the document, or even the date of the document. I am extremely upset about this entire thing, as I am out XXXX that I did not authorize, and am strongly feeling that this was I side job at chime bank. Please advise on what I can do at this point.
Consumer complaint received 2023-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

XXXX : lost/reported stolen debit card and transactions occurring while I was working. I informed to USAA AND did an online police report. 
XXXX : Debit card was supposedly delivered and I didnt receive but it was being used and not by myself. Filed a claim XXXX : received deposits including from employment only to be told XX/XX/23 that my account is being closed and theyre terminating our almost 18 year relationship. Froze my money and left my children and I stranded in another state with no money or means of paying for ANYTHING. I was told by two different representatives my only options is to ask family/friends to western union funds for me to use. Also it will take up to 60 days before I MIGHT receive a paper check with my funds that were in there as of XX/XX/23. My bills didnt get paid and Im in another state with no gas food or money with one child that is handicapped. Cant believe after being a client for so long they can just treat me like Im nobody and terminate and take my money without any reason and leave me in this situation and not care.

I informed id show proof I was working during the time of use ( s ) and I even had MORE money in my account than what was taken and still they took every XXXX.
Consumer complaint received 2023-10-20
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (TX)

Company was notified before funding car that it was not working. Dealership would not take the car back on first day. Credit acceptance still funded the car regardless of not working. Company sold the car after repo from 30 days late. Never showed proof of sale minus balance. Charges accrued after sale each month and kept open after repo. No closed account or charge off. Reporting incorrect and fraud activity.
Consumer complaint received 2016-12-14
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (MI)

Wells Fargo is still sending me letters saying my account with them is still open, even after agreeing to close it when they heard from your agency in XXXX. Their current letter, dated XXXX XXXX, 2016, says they need a social security number to close it, which I will not send. Their representative assured us weeks ago that this was taken care of. We did not open a line of credit with them, nor have we ever had any sort of account with them whatsoever.
Consumer complaint received 2022-04-19
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. (NC)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under15 USC 1681. I have sent them several letters concerning this matter and to no avail they have yet to respond I have also uploaded the documents that I have sent to them and still nothing. I have sent an updated dispute on XX/XX/2022 which they have responded to that they have gotten. 

1. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
2. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.

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

15 U.S.C 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

These accounts that were furnished have violated my consumer rights and I want them to delete from my account.

15 U.S.C 168c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information or 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.

Delete these accounts immediately!
Consumer complaint received 2022-04-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CA)

Due to the COVID-19 pandemic, my pay was reduced for one year. Due to this, I filed for a forebearance through my mortgage company. They allowed to put a pause on payments. My pay was restored and I have been making full regular payments now. The payments that I am making are showing as late ( I think they are applying my current payments to the forebearance period ) and it is greatly affecting my credit score and refinancing. Nobody has reached out to me to fix this and when I try to obtain answers they say they are very behind. I want to reflect my payment history as current.
Consumer complaint received 2022-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (SC)

Back in XXXX I added a stop payment on my account. The amount should have been for {$350.00}. The payment came out of my account the next month. I called to see why the stop payment did not work. The person that put the stop payment put it in for the wrong amount. It was put in for {$380.00}. This is what cause the payment to come through anyway. Due to this payment being taken out of my account anyway, I had other transactions that came through that made my account negative and I was charged {$100.00} in overdraft fees and I had a negative balance that I couldn't get any money for gas, food, or anything else that i needed. This was a bank error and I shouldn't have to suffer from this. I asked the bank to credit these charges and also to send this payment back unpaid. I need that money back in my account as soon as posssible. Yes, TD Bank as given me some courtesy credits in the past due to NSF and Overdraft fees. I am struggling financially and still having a hard time due to having COVID and losing one of my jobs. I do not have any money to give back to the bank. I know that bank charges fees but I am doing my best working as an educator to pay my bills.
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NV)

During XXXX, I was attending XXXX school at least half time. Navient, the servicer of several loans, failed to contact me and inform me that my student loans were not in deferment. It was not until XXXX that I was made aware that Navient was demanding payment. I spoke with a representative from Navient, and they steered me into a forbearance, and gave me additional ACCOMMODATIONS to address what they were claiming as a delinquency. Navient also initiated Income Based Prepayment, and wrote me a letter of Good Standing. However, even though I brought the a account " current, Navient continued to report that my accounts were 90 days delinquent, which damaged my credit score and my ability to secure an auto loan.

The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, Pub. L. No. 116-136 ( XXXX. XXXX, XXXX ), at section 4021, amends the Fair Credit Reporting Act ( FCRA ). A new subparagraph ( F ) is added to 15 U.S.C. 1681s-2 ( a ) ( 1 ), which provides, in part that " If a delinquent consumer manages to catch up during the accommodation period, the creditor or other furnisher must then report the consumer as current. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( bb ). '' However, as noted above, Navient continues to report my accounts as 90 days delinquent. Navient is violating the FCRA, and/or other laws.
Consumer complaint received 2019-07-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (CA)

Commenity Bank repeatedly calls me from different numbers for a XXXX XXXX. I have told them I am not XXXX XXXX, I do not know a XXXX XXXX, and to please stop calling me. They just keep calling daily even after I block their numbers they've called from. They just use new ones.
Consumer complaint received 2019-06-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Attempted to dispute a duplicate collection account on credit report. Online dispute does not list this as an option on their site so tried account closed. Report stated all information was correct. Attempted to call to verify results, unable to talk to a person. No menu options lead to dispute or customer service representative. When you don't select an option it hangs up on you. Was able to reach XXXX and XXXX to resolve problem. Not able to reach anyone at Experian to correct this.
Consumer complaint received 2021-08-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc (FL)

On Monday, XX/XX/2021 I initiated a bank transfer from my checking account at XXXX XXXX  to my account with Paypal. While the Paypal website indicates it takes XXXX to XXXX business days to complete a transfer, I find this unacceptable. 

All banks today are capable of completing a wire transfer within a few minutes and an ACH payment in XXXX hours. After initiating the transfer at approximately XXXX AM on XX/XX/2021, I was alerted at XXXX AM on Tuesday, XX/XX/2021 that the funds had been withdrawn from my XXXX  checking account. 

Later on XX/XX/2021 I contacted Paypal to find out when the funds would be available in my Paypal account. They only stated XXXX - 5 days. The Paypal website indicated funds would be available by XXXX PM on XX/XX/2021. 

On XX/XX/2021 I contacted Paypal again. I explained that I was concerned that the funds had left my XXXX XXXX  checking account at XXXX AM on Tuesday, XX/XX/2021 and that the funds are not available or pending in my Paypal account. I asked if they could tell me where my funds were and they were not able to do so. I then inquired if it was possible to have the transaction reversed, and again they told me I was not able to do that. 

I contacted XXXX XXXX  and asked if they would be able to cancel the transfer. Since the funds had already been withdrawn from my account, they could not cancel the transfer from XXXX XXXX. 

I am concerned that Paypal is holding funds unnecessarily and for prolonged amounts of time in order to profit from these funds being held on the inrta-day money market or by other means using my funds to their benefit and to my detriment. Further, because Paypal is unable or unwilling to offer a reasonable explanation as to why it takes so much longer for them to comlete a transaction compared with other banks and online financial services companies, I feel they should be held liable to show proof as to why the transfer process takes the amount of time they state it does. They have the ability to instantly transfer funds between banks and other payment services, so why does this type of transfer require up to XXXX business days? I can transfer funds around the world many times in 5 days through multiple institutions and currencies.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Inaccurate Information on Credit Report Dear TransUnion, I am writing to dispute multiple items on my credit report. I have attached a copy of the report and highlighted the items in question. Pursuant to the Fair Credit Reporting Act ( FCRA ), I request you review these items and correct or remove any inaccuracies. 
For each of the accounts listed below, I point out the following inconsistencies according to Metro 2 Codes and reference 15 U.S.C 1681 : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - **Metro 2 Code** : Account Status ( XXXX XXXX ) - **Inconsistency** : My report shows 5 late payments. 
- **15 U.S.C 1681** : I request validation of these late payments. 
2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - **Metro 2 Code** XXXX Account Status ( XXXX XXXX ) - **Inconsistency** : My report shows 4 late payments.

- **15 U.S.C 1681** : I request validation of these late payments. 
3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - **Metro 2 Code** XXXX Account Status ( XXXX  XXXX ) - **Inconsistency** : My report shows 2 late payments. 
- **15 U.S.C 1681** : I request validation of these late payments. 
4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX - **Metro 2 Code** XXXX Account Status ( XXXX  XXXX ) - **Inconsistency** : My report shows 3 late payments. 
- **15 U.S.C 1681** : I request validation of these late payments. 
5. **OFFICE OF THE ATTY GEN - XXXX XXXX  - **Metro 2 Code** : Account Status ( XXXX  XXXX ) - **Inconsistency** : My report shows 9 late payments.

- **15 U.S.C 1681** : I request validation of these late payments.

6. XXXX XXXX XXXX XXXX XXXX XXXX - **Metro 2 Code** XXXX Account Status ( XXXX  XXXX ) and Amount Past Due ( XXXX  XXXX ) - **Inconsistency** : My report shows 3 late payments and a past due amount of {$15.00}.

- **15 U.S.C 1681** : I request validation of these late payments and the past due amount. 
For each of the above accounts : - I request validation of the late payments reported according to Metro 2 guidelines.

- Additionally, for accounts with outstanding balances, I ask for a detailed validation of the debt, including a breakdown of the balance, any interest or fees added, and a copy of the original agreement. 
As mandated by the FCRA, I expect this investigation to be completed within 30 days. If the investigation isnt finished within this timeframe, or if the disputed information is unverifiable, I request these items be removed from my credit report. 
I look forward to your prompt response and resolution of these issues. Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-04-19
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. (PA)

Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX / {$14000.00} / XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX $ XXXX XX/XX/XXXXXXXX XXXX XXXX $ XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$750.00} / XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX $ XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.