davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST UNITED BANK AND TRUST COMPANY (TX)

First of all I would like to address a few issues here. Previously there was a dispute submitted for fraudulent charges on this First United Bank Checking for a XXXX Later I worked with that merchant after XXXX it to obtain the funds back from the fraudulent charges. First United Bank closed the dispute and told me no error occurred. When truly an error did occur. Secondly there was other fraudulent charges which required a dispute for a XXXX XXXX XXXX, XXXX XXXX. These were properly disputed as fraudulent transactions. At that time I worked for First United Bank. There motto is spending life wisely. I was fired from the company for filing these disputes. There were two other disputes filed which I cancelled. Which I showed proof I cancelled. This was done through online banking. They then proceed to advise me thats against their business policy to file disputes on transactions not valid on a checking account and terminated me. The following day I emailed in to make sure the disputes were cancelled. First United bank then proceeds to cancel ALL disputes including the fraudulent charges which then made my account have a negative balance of over {$6200.00} and then expected me to pay that back. When I wrote back in to ask why this was charged this way I was told they cancelled all disputes ( including the fraud ) and that I owed that back. Then they charged off my account. No where in their policy does it say you can not file a dispute on your own checking account as an employee. I do not feel I was fairly terminated. I do not feel I owe {$6200.00} either. The bank does a lot of shady things, they grant access full access to their it department to employee accounts / payroll and even lending. They discriminate against people who are victims of Identity theft and mismanage accounts.
Consumer complaint received 2022-04-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KLS Financial Services, Inc (NC)

Dispute Alleged medical debt with KLS financial prior. They sent me a fast med form which break my hippa rights. I had insurance so they should have been covered anyway. This alleged debt was from XXXX. They had a collection on my XXXX since XX/XX/XXXX. They update it every mth as unpaid but it was an old collection and it states disputed. Since it was and old collection I left it however as of XX/XX/XXXX KLS have re aged the collection to say the date assigned was XX/XX/XXXX. This makes it appear as new collection thus hurting my credit and unfair. I have disputed it with XXXX but KLS are using unfair practices.
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (TX)

I HAVE NUMBER OF TIMES ASK SHELLPOINT MORTGAGE TO CORRECT MY MONTHLY PAYMENTS TO THE CORRECT AMOUNT. {$1300.00} IT IS NOT {$1600.00} SHELLPOINT MORTGAGE ACCT XXXX ALL 3 CREDIT AGENCY MUST BE CORRECT.
Consumer complaint received 2022-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

I had XXXXXXXX XXXX prior to Wellsfargo and always received my paycheck 2 days early because of direct deposits. Since opening and using Wellsfargo my direct deposits no longer come in 2 days early and the bank also lied to me that nothing was sent. My employer, XXXX always transmit direct deposits every other Wednesday in the morning and clear in accounts by no later than XXXX. I also received confirmation of the transmission. Yet Wellsfargo keeps lying to me and saying nothing was sent. I truly believe they are holding my direct deposit as a means of gaining interest on the money and I am filing this formal complaint against WELLSFARGO BANK
Consumer complaint received 2022-04-21
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. (TX)

In accordance with the Fair Credit Reporting Act the following have violated my rights : XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX account XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-21
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: JPMORGAN CHASE & CO. (WI)

In violation of the Consumer Financial Protection Act, Chase did not affirmatively tell every customer about its hardship policy and offer any opportunity to put collection on hold for those impacted by the pandemic. In violation of the Fair Debt Collections Practices Act, Chase used the predatory debt collecting practices to email and send threatening calls and emails during the pandemic. Additionally, in violation of the Fair Credit Reporting Act, my XXXX XXXX XXXX XXXX reports different to all three bureaus ( XXXX, XXXX, XXXX ). My local branch of JP Morgan Chase Bank ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI ( XXXX ) XXXX ) was routinely and unexpectedly closed several times from XXXX, 2020 - XXXX, 2020. 

I have asked Chase Bank to honor their commitment to customer satisfaction and remove the late payments on my credit bureau files under the CARES Act. Rather than being interested in ANY type of customer correspondence or offering any type of compassion, they simply reply with a detailed timeline of the most financially devastating time in my life.
Consumer complaint received 2022-04-21
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: Global Credit Union (CA)

On XXXX XXXX was the day I became aware of being a victim of identity theft. On XXXX XXXX is when a certain individuals decided to take out a home loan with my social security number, which is stated in XXXX XXXX In addition, there's also a car loan under my SSN. However, I don't even own a car or house, for the past XXXX years lived in a XXXX XXXXXXXX XXXX Therefore, please block these ongoing loans from my credit reports pursuant to section 605B of the Fair Credit Report Act.
Consumer complaint received 2022-04-21
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. (AL)

Thank you for allowing me to file this complaint against the credit bureaus. I have decided to take this step before I involve the courts to assert my rights. First thing I noticed is the " credit reporting agencies '' impersonating a " bureau ''. In reality they are not at all a bureau and have no association to the government. The took it upon themselves to report information about me and speak for me without my written/signed consent under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer. This is deceitful and I am due what is rightly mine. After reviewing my report I see the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX that should not be there and I want deleted. The addresses listed XXXX XXXX XXXX XXXX AL XXXX and XXXX XXXX XXXX XXXX, AL XXXX are not associated to me and I do not give permission for it to be shown on my report.
Consumer complaint received 2023-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (RI)

I have called Nelnet 's customer services number multiple times with the latest attempt occurring XX/XX/2023 at XXXXXXXX XXXX. After being told I would be waiting XXXX minutes on the phone before I was put on the phone with customer service I had to wait 3 times that amount totaling to 1 hour and 3 minutes. After waiting this period, the music playing on Nelnet 's side of the phone call stopped and beeping was then heard, signifying that the call was dropped. This was my third attempt to get access to my student loan account that was taken over by Nelnet. I am just trying to pay my student loan off and as this problem persists and I continue to not have access to my account, interest continues to accrue.
Consumer complaint received 2023-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-04-21
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. (GA)

In accordance with the fair credit reporting act, XXXXXXXX XXXX XXXX, account number XXXX, has violated my rights.

15 U.S.C 1681 section 602 A, states I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2, also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 
As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i.

Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.

Summary of Accounts being challenged in list form : XXXX Account XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

XXXX Account Number : XXXX I need to see all bank transactions that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payment XXXX  XXXX Account XXXX Please remove it from my credit report. 

US DEPT ED Account XXXX This is not mine. 

XXXX - Account XXXX Please investigate and delete it from my credit report. 

XXXX XXXX - Account XXXX My parent has the same name as me.
Consumer complaint received 2022-09-28
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. (SC)

whom it may Concern, I recently received a copy of my credit report and found that you illegally reporting inaccurate, noncompliant, and false information about me. The Following alleged account is listed as a collection with a PAST DUE BALANCE, Account Name : XXXX XXXX Account # XXXX PAST DUE BALANCE OF {$6200.00} ( inaccurate please delete )
Consumer complaint received 2022-10-14
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. (NC)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX FI XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2022-04-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SN SERVICING CORPORATION (NV)

More than 2 months now into a mortgage refinance process and one of the problems that I'm told is VOM. Verification of mortgage payments. There is no reporting on payments made to existing mortgage company since XX/XX/XXXX. New mortgage company trying to close refinance has received owners payments proof including statements with payment history from existing mortgage company but underwriter has to fulfill VOM which does not show any reporting. 
Existing company, took 3 consecutive monthly payments coming out of forbearance and does not want to accept a modification or accept a balloon payment to bring loan current. Also, today XX/XX/XXXX making more monthly payments and never miss one since XX/XX/XXXX current mortgage company offered us a loan modification trial period without any commitment of what the loan will look like at the end of trial period. More, current mortgage company charging us a late fee monthly on the whole amount accumulated during forbearance, asking to pay in full the whole amount $ XXXX to bring loan current. Please help
Consumer complaint received 2015-06-25
Product: Credit card — 
Issue: Other — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (WA)

HSBC Bank Nevada did not provide a copy of an alleged contract ( Terms and Conditions ) upon request, despite listing an alleged debt based upon said alleged contract on at least XXXX credit bureau reports. I do not concede the validity of the debt, but would like to see the alleged contract so I can respond appropriately.
Consumer complaint received 2016-08-11
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (MI)

My name is XXXX XXXX. I have been a loyal customer of American Express from a long time. Recently I came across with an incident. I tried hard but nobody in the organization would listen or reply in writing. 
I got a refereed E-Mail ( American Express ) to apply for a XXXX XXXX Credit Card.I have pasted the referral process and the bonus as outlined in the next paragraph. 

As a reminder, here is how the referral process works : Each friend will receive an email, with a special offer for the Card you referred. Your friend may not receive this email if they have previously " opted out '' of receiving email marketing communication from American Express. 




Your friend must apply for the Card through the link in the email and be approved in order for you to earn your Referral Bonus. 




Please allow XXXX8 weeks for your Referral Bonus to post to your account after each referred friend is approved for the Card. 




Due to the confidential nature of the credit approval process, you will not be notified whether we approve or decline any application ( s ) from individual ( s ) you refer. 




The Card you refer must be active in order for you to receive your Referral Bonus. 




If your friend is not approved for or already has the Card you referred, no bonus will be awarded. 

Welcome bonus Earn 60,000 Bonus Miles with the XXXX Credit Card and XXXX Qualification Miles XXXX after spending {$2000.00} in purchases on your new Card in your first 3 months, and a {$100.00} Statement Credit after you make a XXXX purchase on your new Card within your first 3 months. 
Special Offer Expires on XXXX I applied for the Card and got the Card. I also met all the requirements. Now American Express refused to honour their part and did not give the required bonus. I had another American Express. In the E-Mail I DID NOT FIND ANYWHERE IT SAYS THAT I CAN NOT HAVE ANOTHER AMERICAN EXPRESS CARD OR I AM NOT ELIGIBLE FOR BONUS IF I HAVE AN AMERICAN EXPRESS CARD.IF IT IS HIDDEN SOMEWHERE THAN AMERICAN EXPRESS IN NOT TRANSPARENT. 
Also the employees at the customer service are rude and unprofessional They will not investigate the issue and reply. They just say it is a XXXX issue.If it is a XXXX issue than it is clear.I hope your fine organization will investigate and implement changes if required. Thanks.
Consumer complaint received 2022-04-21
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX  XXXX XXXX, XXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2015-06-30
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ENCORE CAPITAL GROUP INC. (LA)

It is a known fact that Asset Acceptance dba Midland Credit Management employees robo-signed affidavits claiming personal knowledge that consumers owed debts, despite having no such knowledge of the facts asserted. Court documents have shown Asset Acceptance dba Midland Credit Management employees signed between XXXX and XXXX computer-generated affidavits per day for use in debt-collection actions, without personal knowledge of the accounts, in violation of the FDCPA. 

To date, Asset Acceptance dba Midland Credit Management has a proven poor track record in regards to its collection tactics which have resulted in large fines from the United States Government and as well as from individual states. 

As of this year Asset Acceptance dba Midland Credit Management has had to pay close to XXXX XXXX dollars in fines and penalties due to their unlawful business practices, falsified data on debt information court documents and lawsuit court actions which violates Consumer Rights. 

Asset Acceptance dba Midland Credit Management illegal unlawful business practices, falsified data on debt information and lawsuit court actions have caused thousands upon thousands of consumer 's credit files to be tainted with negative remarks to include myself which resulted in a Judgment against me that included falsified identification documentation in the court documents. In XXXX 2015, I contacted Asset Acceptance dba Midland Credit Management in writing requesting a settlement of the debt and as of XXXX XXXX, 2015, there has been no response and Asset Acceptance dba Midland Credit Management has gone silent, not responding to faxed information as per their request at ( XXXX ) XXXX, Attention : XXXX. 

I am requesting assistance with pushing for removal of Asset Acceptance dba Midland Credit Management on my credit file to include any court judgment against me as they contained falsified identification documentation in the documents submitted to the court from my file so that I can restore my credit and good name. 

I thank you for your time and I look forward to your response regarding my request to have the falsified court judgment submitted by Asset Acceptance dba Midland Credit Management removed from my credit file.