davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Atlanticus Services Corporation (IL)

I had bankruptcy in XXXX. I applied for Fortiva credit card in XXXX, The card line is XXXX. I wanted to repair my credit, First they were charging mi late fees because my payment was not going through. They were telling me my XX/XX/XXXX account was not stored properly. They could've let me know right away but they did not. It took few months. I wrote to the CEO of the company on XXXX and the issue got resolved. Now my minimum payment went up around XXXX a month on XXXX credit limit. The credit card is charging 31 % a year plus {$12.00} monthly fee. XXXX X 12 months is another XXXX a year. In conclusion they charging 45 % a year. How we suppose to get out of debt and build our credit if we are facing fraudulent companies like this one. The manager helping me was XXXX # XXXX XXXX very rude and unprofessional. Every time I called I get a person that is hard to understand with no understanding and compassion. Please see the statement attached. I talked to 3 people on chat, one person on the phone and one manager XXXX. No one could explain why I was charged XXXX on this statement, And why my payment is being higher each month.
Consumer complaint received 2019-10-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (NY)

Got a loan with PNC bank. 
https : //www.pnc.com/ They delayed payment of my loan after close by over 20 days. The bank stated they legally have 5 days to deposit funds. Below is a copy of my checking account with zero funds after the 6th day of closing. They insisted on cutting a check to my credit card but were unable to properly cut a check that large and mail it to the correct address. The check amount was XXXX {$20000.00} and the first check was cancelled from the corporate the second check sent to the branch was lost in the mail. Finally after 20 days they the branch cut me a check. I incurred additional fees and interest from my credit card during this time since the original check was cancelled in addition I incurred interest from the bank on the funds they didnt deliver. 
I was dealing with the branch manager, corporate office and the loan officer. Most of the parties involved stopped returning my emails as if the problem would go away on its own. I sent over 30 emails to various employees and made over 20 calls to the same people. 

My loan officer XXXX did was impossible to reach XXXX XXXX XXXX NMLS # XXXX Loan Processing Analyst Fulfillment, XXXX XXXX XXXX XXXX XXXX XXXX PNC Bank XXXX XXXX XXXX XXXX XXXX, PA XXXX ( p ) XXXX ( f ) XXXX XXXX They eslcalted my case to XXXX XXXX who simply stopped returning my calls after the 2nd check was lost in the mail XXXX XXXX XXXX XXXX, XXXX Client Relations PNC Bank XXXX : XXXX Fax : XXXX XXXX I was dealing with this branch who refused to provide the XXXX name after i stated i would file a complaint. 
Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX, NY XXXX
Consumer complaint received 2019-10-09
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XX/XX/XXXXbreach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XX/XX/XXXX breach as well.
Consumer complaint received 2019-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

My name is XXXX XXXX XXXX, DOB XXXX SS XXXX I've became aware of the following addresses being on my credit report. The addresses listed are inaccurate and I would like for them to be removed:XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. I have a few issues with account that have been Paid in full with the Origianl Creditors still showing up on my credit report. please remove/delete the following items 1.XXXX XXXX XXXX XXXX XXXX  # XXXX  2.XXXX XXXX XXXX XXXX XXXX # XXXX 3.XXXX XXXX XXXX # XXXX 4.XXXX XXXX # XXXX 5.XXXX  # XXXX  6.XXXX XXXX XXXX XXXX  # XXXX  Not sure how these Paid account got listed when most of them are still in court. They are not accurate please delete them.This is the 3rd time I have requested documentation for them under 623 FCRA.
Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2016-01-20
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (TX)

On XXXX XXXX, 2016 I wrote a check to Wells Fargo Mortgage for {$3600.00} to pay off my mortgage. This was the payoff amount I was quoted by both their online site and a bank officer at their branch. The payoff amount I was led to believe included all interest due and processing fees. The bank has since come back told me that I have interest due and a processing fee of {$18.00} due. After talking with Wells Fargo they have agreed to waive the interest charge, but not the processing fee of {$18.00}. I have paid the bank in full and should owe no more money.
Consumer complaint received 2019-10-09
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. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2023-08-19
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: EQUIFAX, INC. (TX)

In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Equifax to reinvestigate these accounts : XXXX, XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly 15 U.S.C 1681 section 602 A. states that I have a right to privacy. 

15 U.S.C 1681 section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my writing 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.

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 

This credit situation is deterring me from purchasing a home for my family.
Consumer complaint received 2015-12-20
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo Bank took an authorized payment for an auto loan that I have with them. I paid {$190.00} because that 's what I could pay, but Wells Fargo Auto loan department took {$380.00} off my account without my permission. I want my money back please. The money was to be used to pay for Daycare so that I can go to work.
Consumer complaint received 2024-04-08
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: American Collections Enterprise, Inc. (VA)

The lady on the phone or XXXX XXXX, yells and screams, uses demeaning and threatening language. 

Here is her info : PAYACEI COLETIONS Compliance XXXX, XXXX XXXX, Monday thru Friday between XXXX and XXXX, at XXXX or XXXX ext XXXX, for further assistance. 

XXXX XXXX XXXX XXXX Department XXXX American Collections Enterprise , Inc . 

> She promised to a settlement amount then withdrew offer, after she could not provide me the agreement in writing, when I insisted, she went ballistic and talked down to me, was not willing to negotiate, and could not would not promise how long the collection would be removed, said it was not up to her but with reporting bureaus. She would not stop screaming even after I asked her to lower her voice and pass me to a supervisor, she insisted she's the boss and will not transfer me to anyone and to not waste her time. I've tried to resolve the situation three times over the phone and by email to no avail. At this time I ask for a complete removal of my debt collection amount of {$1500.00} from my credit report by this company due to their abusive collection practices and inability to treat people with respect and the dignity every human being deserves. 

XXXX XXXX XXXX
Consumer complaint received 2023-08-21
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: EQUIFAX, INC. (MI)

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2019-10-09
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2024-04-08
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: RevNow LLC (IN)

original creditor is XXXX XXXX, they sold the account to Rev Now Collections after I refused to pay them a ridiculous amount of interest ( I have paid the original balance and then some! ). Rev Now is calling people that are or have been in the connected with me in the past and is stating that I listed them as a reference and a point of contact ( XXXX  ). They just called my brother who is retired FBI and left him a message saying they were trying to contact him because I listed him as a reference. I would NEVER ever give anyone his number due to the nature of his job. I just sent an email demanding that they cease and desist calling me or anyone else. This is definitely unethical business practices and if they were a real debt collector trying to collect a real debt, they would be using professional tactics to recoup money owed. The calls today came from an " XXXX '' at XXXX
Consumer complaint received 2019-04-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (GA)

A debt validation request was sent to them directly XXXX of XXXX and again on XX/XX/XXXX and they failed to respond. I also disputed it with all 3 bureaus and it still remains. I have never done business with XXXX XXXX or attended their school.
Consumer complaint received 2018-06-16
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (PA)

They told and sent us a statement saying we didn't have mortgage payments for 2 months then they were trying to Default on our home. I am now current on my loan and still being harassed. They are angry that through my chapter XXXX filling we were able to get rid of our second mortgage and ha tried all kinds of tricks to take our home even sending a statement say we had no mortgage payments for 2 months. And even telling me the same thing on the phone. All there phone calls are recorded so it would be very easy to provide. I also have the statement. Since we finished our bankruptcy 42 months payments successfully and have been discharged they have been trying to trick us and harassing us to no end my wife has XXXX and this is to much I am current on my loan can you help me please
Consumer complaint received 2016-01-28
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY (CA)

I have a Wells Fargo Bank Credit card and have been in Active Duty XXXX since XXXX XXXX, 2015. I told WFB this, but was told it did n't matter, that they would only be able to " waive '' XXXX interest charge. So far, since XXXX of 2015, they have, and are attempting to collect interest in the amount of over {$300.00} ( at 18 % ) and fees also over {$300.00}. I was told that WFB can not " go back '' as far as XXXX 2015 to resolve this.
Consumer complaint received 2024-04-05
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc. (IA)

I had a past due ( Collections ) account with XXXX. On my credit report is says XXXX. I went to pay the bill. Had to pay Diversified Adjustment Service, XXXX 's outside collection agency. 

I paid the past due bill in full on XX/XX/2024. Diversified Adjustment Service waived their collection fee of {$47.00}. XXXX is still saying I owe the money. I have made calls to both XXXX & Diversified Adjustment Service. XX/XX/2024 I spoke with a representative that said they would send it back to XXXX as fully paid, fee waived & it should update by XX/XX/2024. I called again today & was told it would take up to 60 days from today to show as paid & fee waived. So that would be 90 days. Neither XXXX nor diversified adjustment service will give me a receipt for payment that says XXXX is paid. just a generic receipt that I paid an amount but not to what company. 

I tried to call XXXX again & all they do is transfer me to diversified adjustment service which tells me it will take up to 60 days
Consumer complaint received 2023-08-19
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: EQUIFAX, INC. (CA)

I submitted a letter to the Equifax Credit Bureau last XXXX XXXX XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-19
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: EQUIFAX, INC. (TX)

This is my NUMEROUS endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-07-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (AL)

I need your help in getting these incorrect address information and unauthorized inquiries removed from my credit file. Please remover addresses : XXXX XXXX XXXX ( the number is incorrect ) and XXXX, XXXX, Al. This information is a result of identity theft.
Consumer complaint received 2019-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I used the Capital One mobile application to find an ATM near my house on XX/XX/2019. 
The app pointed me to an ATM at the XXXX at XXXX XXXX XXXX, XXXX, VA. 
But when I used the ATM, I was charged {$3.00} in fees by the ATM and then another {$2.00} by Capital One - for an ATM that the Capital One app. directed me to. 
I've spoken with customer service and was told that because my account is " not a XX/XX/XXXX account '' I am liable for the fees. This particular account was originally an account with XXXX XXXX but was ported over to Capital One as part of the merger. 
Looking at my account, it just says " Total Control Checking.  '' The only discernible difference between this and my other XX/XX/XXXX account is when I open my account online and click on account details, this account has a red icon at the top of the pop-up page and my other account ( that was originally an XXXX account, but is apparently now a XXXX account ) has a red " XXXX '' where the icon is displayed. Nothing in the name of the account indicates this. 
I spoke with Capital One customer service on XX/XX/2019. They agreed to refund the {$3.00} fee charged by the ATM host, but not the {$2.00} fee actually imposed by Capital One. 
If they are charging others similar fees every day, they're likely making thousands of dollars over this discrepancy. There should be a disclaimer in the mobile app. that indicates you may be subject to fees at " XXXX ATMs '' based on the type of account and indicate whether or not you account is a XXXX account. 
I can provide documentation is necessary.
Consumer complaint received 2019-10-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MI)

I payed navient {$2000.00} ( in 2014 ) to make a one time payment to pay off my {$1500.00} student loan. They refused to process it this way, despite there being a letter included that stipulated that the funds were to be applied to the principal. They instead directed it to pay off only {$50.00} per month which only payed the interest. I now owe over {$1800.00} on this loan, and am seeking a lawyer to sue for predatory lending practices. I want to know why my rights to pay off this loan were violated. I have repeatedly requested my ledure, information on why they refused to process my payment as requested, and why I was not allowed to pay more than {$50.00} per month. They always say they'll send me the information, then I never hear from them again, each time I call they do this to me. I am XXXX, and dealing with XXXX XXXX, I do not have time to play games, they have taken my almost perfect credit score, and trashed it. I can not imagine that any of this is even legal.