davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Comerica (CA)

On XX/XX/XXXX during a seasonal low period in my business, I was extremely cautious of my balances in our business checking account. Our payroll hit our account on XX/XX/XXXX, first thing in the morning I ran to the bank to make a deposit to cover 3 of the 14 debits as the funds were there for 11 of the debits. The unethical bank or banking practices took the debits before applying the credit in the same day. They charged me 14 x $ XXXX= {$530.00} in overdraft fees. I tried to work this out at the branch, they gave me a courtesy credit of {$190.00}, although it was appreciated, I was made aware of XXXX XXXX unethical practices, they settled a class action law suit in XX/XX/2012 but I feel they are up to their unethical practices again.
Consumer complaint received 2023-06-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

XX/XX/XXXX Issued check # XXXX from Wells Fargo Bank , N.A . to " XXXX XXXX XXXX '' in amount of {$38.00}. Mailed in USPS Box located at XXXX XXXX XXXX XXXX, TX XXXX. 
XX/XX/XXXX check # XXXX was processed. Funds withdrawn from our account, changed to {$4000.00} and payee changed to " XXXX XXXX '' XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX asked if check # XXXX was valid. 
XX/XX/XXXX We returned call & stated, " No, this check has been altered ''. 
XX/XX/XXXX Visited Wells Fargo Bank , N.A . & filed Fraud Claim with XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX came to our home, took report & issued " Case Number '' XX/XX/XXXX We contacted United States Postal Service Inspector & filled claim. 
XX/XX/XXXX Went to Wells Fargo Bank , N.A . & filled out 2nd Check Fraud Claim due to the fact employees at Wells Fargo Bank , N.A . could not find the original from XX/XX/XXXX
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRUIST FINANCIAL CORPORATION (NC)

I had a home equity loan back in 2017 that the bank showed we defaulted on and reported this to the IRS and issued a 1099 form accordingly ... ..We were never notified at the time and subsequently sold the property to whom the XXXX  was attached and the attorney handling the sale found the line of credit balance and paid the bank ( Suntrust ) the outstanding balance at the time of the sale ( {$27000.00} ) ... .we have the transfer of funds paperwork from the attorneys office as well as a letter from Suntrust saying the debt was satisfied, however we asked that a corrected 1099-c form be sent to the IRS as well as reporting the debt satisfied and accounts closed to the three credit bureaus and they refused to comply ... ..It has now developed into a huge problem with the IRS holding me and my wife liable for the XXXX which they perceive was the result of debt forgiveness ( 1099 ) they claimed back in 2017 ... ..All they have to do is submit a Corrected 1099-c form to the IRS and they have refused ... ..If the file transfer did not go thru... please alert us... we can send over all the files upon request
Consumer complaint received 2022-01-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (FL)

Date of Debt Notice : XX/XX/2022. 
XXXX disputed : {$170.00}. 
Name of Collection Agency : Credence Resource Management. 

Summary : The following agency is attempting to collect a debt I do not owe. I have indicated to the that this debt was already paid and the information the they have is incorrect. I have asked them for validation and no proof has been provided.
Consumer complaint received 2022-01-26
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. (CA)

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION ON LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND ACCOUNTS THAT DONT THAT BELONG TO ME.
Consumer complaint received 2019-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

capital one gives me my first credit card [ XXXX2019 ] I make a payment {$4000.00} on a {$300.00} limit, credit card. I didnt know anything about what could happen if you overpay your credit card. I found out. [ XXXX2019 ] I am told my account had a 9 day hold on the payment [ XXXX2019 ] I am told I would be issued a check in the amount of the remaining credit balance. 

9 days pass and still no issuance of check. 
[ XXXX2019 ] send in documents, my social, ID, etc. 

Capital one will not CLOSE my account and issue my check out, due to them RESTRICTING my account after I had asked to close it. 

Says my account cant be closed. My check can not be sent out. WHAT
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Reached out to TransUnion multiple times demanding them to remove the following items off of my consumers credit report and they failed to do so. TransUnion has broken NUMEROUS USC laws. Reached out to them via mail/certified letters with return receipts. TransUnion did not have permissible purpose to report anything to my consumers credit report. TransUnion received information from someone other than myself. Thats aggravated identity theft! TransUnion also didnt havent written consent to report anything to my consumers credit report. no consent is identity theft! It has been well over a month! Per the fair credit act, section 611 ( a ) ( 5 ). You have 30 days to investigate disputes. TransUnion must delete the dispute and unverified accounts. Failure to do so can result in {$1000.00} fine per undeleted item.
Consumer complaint received 2022-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX/XXXX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response back. I feel like I'm being taken advantage of and that I'm not being taken seriously. After doing research, Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be removed now. The inaccurate information is preventing me from getting approved for the things I need to have and causing me to pay higher than necessary interest rates. My information was also impacted by the XXXX data breach and may have got in the hands of the wrong person. I will file for litigation if I have to. Please resolve the issues with my credit report.
Consumer complaint received 2022-02-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Google Compare Credit Cards Inc. ()

I recently tried to make a purchase through a game/app via google play XXXX XXXX XX/XX/2022 ). The app/game was XXXX XXXX XXXX XXXX XXXX  ). The currency in the game store was in my region currency ( XXXX ). After clicking to purchase it took me to the play store. I tried to pay by debit card but received the message 'your payment method was declined, please select a different payment '. So I tried prompt pay. Same message, 'your payment method was declined, please select a different payment '. I then tried google credit by adding the amount to my wallet ( XXXXXXXX XXXX ). Then when I went to click to pay by google credit it said 'this product is not available in your region '. So obviously I can not purchase this product. I asked google for a refund and they refused to give me XXXX, even though It was clear from my transaction history that I was only trying to buy this product.
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On or about XX/XX/2021, consumer sent letter to Transunion followed with FTC identity theft report of inquiries on consumer 's credit report which do not belong to consumer.
Consumer complaint received 2022-02-25
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. (NC)

My XXXX XXXX bankruptcy was discharged on XX/XX/XXXX. XXXX and XXXX updated my credit file to reflect the discharge. Equifax did not so I disputed with Equifax on XXXX. Equifax reported that they verified the information as correct with a third party, XXXX. I contacted XXXX on XX/XX/XXXX and XXXX stated that they show the XXXX  XXXX disposition as discharged and their file was updated on XXXX. Since the information was incorrect still on my Equifax credit report, I disputed again with Equifax. This dispute was XX/XX/XXXX. With both of my disputes I provided the court document showing the discharge. 

On XX/XX/XXXX, I received the dispute results and again Equifax claimed they contacted XXXX to verify the data and that the information was being reported correctly. I contacted XXXX again on XX/XX/XXXX and again they stated that they show the discharge. XXXX stated to call Equifax again. 

This is unacceptable. I provided information to Equifax twice showing the discharge and the third party verifies the discharge in their records. Equifax is not meeting their requirements under the FCRA to report a consumer 's information correctly.
Consumer complaint received 2022-02-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (CA)

i received a letter from XXXX XXXX XXXX XXXX, a Debt buyer, stating that i owed XXXX to a company called XXXX XXXX  ... .. i ent a validation letter asking for more information and i never recieved a reply back, so i wrote a separate letter and still no reply i called the company and left several messages
Consumer complaint received 2022-02-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Vital Solutions, Inc. (MN)

I have received reputed calls from, XXXX, Vital Recovery Services - They state their file number for this debt is XXXX. On 5 separate occasions they have called and I have requested to receive verification of the debt and what the debt is for. They have called dozens of times, but I have only answered 5 times. They have twice given me an email address ( provided by XXXX XXXX XXXX on XXXX XXXX 2021 ) I am required to email to request this information. I have twice emailed this email address ( XXXX ) and requested the information and have not received a response back. I received another call on Wed XXXX XXXX at XXXX XXXX and asked to be removed from their call list. The agent said he would remove me from the list and I told them any further correspondence via email or postal mail was fine, however I did not want to receive any further calls until they had provided me proof the debt which they still have not done. Today ( XX/XX/XXXX @ XXXX XXXX ) I received another call from XXXX after I have requested them to stop calling. I answered and explained the situation to the agent who did not give his name and he was very defensive about why I was not removed from the list. I told him at this point I have requested proof of the debt multiple times and they have refused to provide it and have not removed me from the list as requested. I told them I will be filing a complaint with your agency.
Consumer complaint received 2022-02-14
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: MOUNTAIN AMERICA FEDERAL CREDIT UNION (UT)

XXXX needs to provide me under 15 USC 1602g who authorized the use and permissible purposes as the original creditor to use my information to report this negative account under my name? Otherwise the account reporting needs to be block and deleted from all credit reporting agencies immediately.
Consumer complaint received 2022-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (AL)

On XX/XX/XXXX, my XXXX XXXX account was used to purchase {$860.00} worth of items from XXXX. This purchase was fraudulent. It was made without my knowledge or consent. I was contacted by Chase by an email alert of the transaction. I immediately contacted Chase and notified them of the fraud. I changed the shipping address for the items on XXXX from one in California to my usual XXXX shipping address in Alabama. When the items arrived, I returned them to XXXX. I have proof of the return. 
The fraudulent charge first appeared on my statement from Chase dated XX/XX/XXXX. I contacted Chase when I became aware of the fraudulent charge. Their Fraud Department said they investigated the fraudulent transaction. Their response was that I am liable for the charge since my account was used to make the purchase and the purchase was shipped to my address. 
I complained to Chase by phone a second time and received the same Fraud Department response. It is true my XXXX XXXX account was used to pay for the items purchased at XXXX, and it is true they were shipped to my address. However, it is also true the charge was fraudulent I DID NOT CONSENT TO THE PURCHASE AND IT WAS MADE WITHOUT MY CONSENT. 

.
Consumer complaint received 2024-02-22
Product: Credit reporting 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. (FL)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING INQUIRIES EXPERIAN BUSINESS CRED, 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 XXXXN ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from EXPERIAN BUSINESS CRED, 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 and CREDIT TECHIN WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2022-02-12
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (FL)

I requested verification since XX/XX/2021 of this alleged debt that this company claimed I owe which they reported on my credit files. However, DISCOVER FINANCIAL SERVI failed to obtain the legal verification as required by law and did not send it to me. Furthermore, I have requested verification and validation, several times, directly through each of the Credit Reporting Repositories and each time they have reported that you electronically verified the accuracy of these alleged claims through their automated systems, yet you failed to do so for me... why is that. Therefore, it is quite obvious that you have deliberately violated my rights in more than one way which is punishable by law.
Consumer complaint received 2020-12-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc. (CO)

On XX/XX/2020 I noticed my Moneylion bank account had three unauthorized transaction 's, {$500.00}, {$200.00}, {$1000.00} totaling {$1700.00} all said paid to XXXX. I called my bank but they were closed and I could only reach XXXX through chat messages, which they said they couldn't help me since I don't have a XXXX account and advised me to call my financial institution. When speaking to Moneylion they sent me a dispute form and instructed me to fill it out then send it back when done, afterwards they had 10 days to investigate the charges. After 10 days the monies was deposited back into my account, but 12 days after Moneylion reversed the credit leaving my account negative. I tried calling multiple times asking for a supervisor to call me back, which I never received, was only told the dispute team had made the final decision and I sent an email, which I never received.
Consumer complaint received 2021-04-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MD)

I have made many attempts to dispute errors on my Experian credit dated XX/XX/2021, by way of telephone and to date Experian has block consumers from calling and speaking with a representative. 

Each time I have attempted to reach out to Experian by way of telephone I am send to a maze of options that then blocks consumers from ever reaching a representative. 

During Covid-19, consumer are suffering financially and need quick access to consumer reports and ability to dispute inaccurate information contain in credit bureaus files that is blocking consumers from receiving lines of credit. 

Experian is refusing to take telephone calls and answers consumer question forcing a timely delay in place alerts and removing negative information. 

Therefore, I am asking the CCPB to enact or enforce laws to prevent this abusive business practice of not taking consumer telephone calls and forcing consumer to go into post offices during covid to dispute information, not all consumer have online access therefore should be able to speak with a representative by telephone and dispute inaccurate information.
Consumer complaint received 2023-01-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Omega RMS, LLC (NC)

Omega RMS put me in the credit bureau for a collection of {$3400.00}. They nor anyone associated with them has never done anything for me. When I inquired it is suppose to be some wealth company. The only ones getting wealthy are them. They claimed I signed something with them. I never signed anything with them and have no idea what they are talking about. They claimed the program was available for me. I don't want their program and nothing to do with them and demand that they take my name out of the credit bureau and stop harassing me. Again I am to old and don't have money to give away for nothing. These people who ever they are never did anything for me and neither have I used any of their services.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (CA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2022-02-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (GA)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX,2022 by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXXXXXX {$4300.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.