davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-10
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: Medical Data Systems, Inc. (GA)

MEDICAL DATA SYSTEMS & MEDICAL DATA SYSTEMS ( 2 ) There are no contracts, no valid claims ... accounts were settled with original creditor, grave errorfalse claim and reportingI want these accounts removed and reported correctly immediately or litigation will follow. Debts can not be collected twice or reported inaccuratelythis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the accounts are being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Consumer complaint received 2018-06-16
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (IN)

Today, I applied online for a XXXX XXXX XXXX credit card. To complete the process I was required to call a toll-free number. A customer service representative reviewed my information and then asked for my social security number. I stated that I was advised never to give my social security number over the phone and I would never do so. I made three more calls and spoke to several other departments at XXXX XXXX, and got the same answer. They documented my remarks and said that they would refer them to a higher level and said my application was cancelled. I asked if the information I submitted online would be deleted and they said no. I told them I believe this is a violation of consumer rights and the practice should be stopped. No one should be required to give a social security number on the phone. And when an application is cancelled that information should be deleted from their database.
Consumer complaint received 2016-08-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

i recieved a XXXX cancellation of debt but XXXX refuses to remove the lien and says i still owe them money also XXXX loan i had was refinanced in or about 2008 but they too say i still owe them money and refuse to release a lien i have tried in vein to get this resolved but they have been nasty and have tried to bully me into paying them I found out thru a web search that both XXXX and XXXX are the same company as XXXX bought XXXX
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I was issued checks for accounts that were already settled years ago that I was not aware of from back in XXXX. I sent money orders this year XXXX  to settle the balances unaware that they have been settled already. I was issued checks from USAA in the amounts listed below in which they did not honor the checks as I submitted them for deposit even after the second attempt when USAA reissued me the same checks they put stop payment on again for deposit and still did not honor the checks. This has caused me a hardship as I was thinking I had funds that I ultimately did not have access to. I'm behind on bills as I spent money I had on other obligations thinking my deposited checks would post to my account without a problem.
Consumer complaint received 2023-05-23
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. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 

3. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 4 . The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (TN)

Convergent Outsourcing ; Please see the attached files, as the account you are trying to collect on was opened as a result of identity theft, and I would like you to immediately stop collection ( s ) on this account and remove it from all of my credit report ( s ) you placed it on otherwise more action will be taken. 


DO NOT CONTACT ME VIA PHONE, or I will have my attorney follow up.
Consumer complaint received 2018-02-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (WY)

My credit report has been perfect for over 10 years. Out of no where I got 2 collections : Opened XX/XX/XXXX ( 3 mos ) by XXXX  Amount : {$74.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX +++ Opened XX/XX/XXXX ( 4 mos ) by XXXX {$62.00} XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX I always paid on-time in-full and cancelled or stopped the service promptly. There is no reason why this should have occurred. Someone fraudulently just reported these charges or the Company did not close out my account properly.
Consumer complaint received 2017-05-26
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: Experian Information Solutions Inc. (OH)

A few months ago I applied for credit and was denied for " too many inquiries '' I have tried multiple time to dispute these inquiries and ask that they be verified because I did not apply for credit on these dates.  XXXX ,  XXXX , and Experian continue to send me letters saying they have reviewed the information and that they are factual. After the last unauthorized inquiry was placed on my credit file a fraud alert placed on my account. This should prevent any further issues. Please see that the unauthorized inquiries with the dates provided that I have listed please be removed. Per my investigation none of these companies received my written permission to obtain my credit.       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   EXPERIAN   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2017-05-26
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. (OH)

A few months ago I applied for credit and was denied for " too many inquiries '' I have tried multiple time to dispute these inquiries and ask that they be verified because I did not apply for credit on these dates.  XXXX , Transunion, and   XXXX    continue to send me letters saying they have reviewed the information and that they are factual. After the last unauthorized inquiry was placed on my credit file a fraud alert placed on my account. This should prevent any further issues. Please see that the unauthorized inquiries with the dates provided that I have listed please be removed. Per my investigation none of these companies received my written permission to obtain my credit.       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    TRANSUNION   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 2019-04-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (IN)

I paid off my 2nd mortgage and they came up with XXXX they said interest charges and have it listed on website as no code? I don't want to talk to JP Morgan Chase because they convince me of something that's made up. Also why did I have an escrow balance didn't even know I had this and since when? I've not been late for over a year when I was late I paid all late fees.
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PNC Bank N.A. (MD)

On XX/XX/XXXX my wife tried to pay for groceries with our PNC credit card and the transaction was rejected. She spent considerable time on the phone to determine why it was denied and had no success. That XXXX  I spent at least an hour and a half trying to get some answers and in the process was transferred 5 different times. I finally got to a supervisor in customer service who informed me our card was cancelled. The reason I was told was that they tried to communicate with me by mail and got no response. Since they do not allow their mail to be forwarded our lack of response is understandable since we spend 4+months in Florida and have for the past 20 years. It was also mentioned that they tried to contact us by phone and email with no response. This is hard to believe since their fraud department has contacted us at times to verify transactions and we were called most recently. 
I requested they reinstate my card or send me a new card they said they couldn't do that. To get a new card I would have to submit a new application. We have been with PNC for at least 30 years and we pay off the balance monthly. Also they would find credit score numbers that would meet any bank requirement.

Along with the embarrassment this caused my wife as well as the additional trouble to now apply somewhere else for a new credit card this whole situation is ridiculous. We have a long history with PNC and with any effort at all they could have answered their questions and not closed the account. There is more that could be added to this story but I've gone on long enough. This is the kind of service you get when you are just a transaction. I guess 30 years isn't long enough to develop any kind of a relationship with a bank like PNC.
Consumer complaint received 2023-03-21
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. (PA)

I am a victim of identify theft. There are 3 items on my credit report from cell phone carries XXXX, XXXX and XXXX. I think it may be someone in my household and I would like a block on my social security number and from new accounts being open in my name.
Consumer complaint received 2020-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/2020 in the morning, I received an email from Wells Fargo alerting me that my Everyday Checking Account was a - {$47.00}. Early that afternoon, I went to my branch office and made a cash deposit of {$50.00} to clear up the negative balance by depositing {$50.00} in cash. Today I received another notice saying that I had a negative balance of the same {$47.00} even though I clearing up the issue the day before. Now however a {$35.00} overdraft fee was added in a very complicated way. I called the bank at XXXX this morning and spoke to a customer service rep who then explained their very complicated accounting system telling me that no matter if you have funds in your account and a purchase was deducted from your account for this purchase which reduces your available amount, if the merchant submits his payment request 3 days or a week later - if your funds are low at the time of the merchant request for payment, and you don't have enough in your account, you will be charged an overdraft fee ( if the bank decides to pay it ) regardless that the purchase amount was deducted when you made the purchase 3 days or a week ago. I believe that Wells Fargo has been scaling people with low balances. Wells Fargo has really hit me hard with fees since I have been depositing my COVID 19 unemployment checks. I tried to get the bank to waive this recent fee but to no avail. Help
Consumer complaint received 2020-09-16
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (TN)

Santander Consumer USA has a closed account reporting to the 3 major credit bureaus stating that I had a {$16000.00} balance and numerous missed payments. This is TERRIBLY inaccurate. The claim is that it was opened in 2013. This erroneous claim is tarnishing my credit worthiness.
Consumer complaint received 2019-06-12
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. (HI)

I have disputed the late payments XXXX XXXX XXXX XXXX  accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2019-06-12
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. (HI)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2019-06-12
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. (HI)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please XXXX XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX
Consumer complaint received 2023-04-09
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 (NJ)

Fraud claim has been made with Wells Fargo on XX/XX/XXXX Fraud claim number : XXXX On XX/XX/XXXX I have contacted WF in regards to 14 fraudulent transactions that I have discovered on my WF Joint Checking Account.

- 13 out of 14 fraudulent withdrawals have been reimbursed.

- The fraudulent activity on XX/XX/XXXX in the amount of {$280.00} has not been reimbursed. 

When, contacting WF I was told that this activity has been in excess of 60-days and could not be recovered from the 3rd party and there is nothing WF can do.

However, there were 7 activities prior to XXXX XXXX date that have been recovered with exact same fraudulent signature, but yet the activity on XXXX XXXX paused a problem. 

I would like WF to reimburse {$280.00} that has not been reimbursed to me. I suspect a possible flaw in their security protocols may have allowed a fraudulent party access to my banking checking account. 

Here are the fraudulent charges : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$210.00} XXXX REIMBURSED XX/XX/XXXXXXXX XXXX XXXX XXXX Payment XXXX XXXX XXXX XXXX {$61.00} XXXX REIMBURSED XX/XX/XXXXXXXX XXXX XXXX MOBILE PMT XXXX XXXX XXXX XXXX XXXX {$310.00} - REIMBURSED XX/XX/XXXX XXXX XXXX MOBILE PMT XXXX XXXX XXXX XXXX XXXX  {$200.00} - REIMBURSED XX/XX/XXXX XXXX XXXX XXXX Payment XXXX XXXX XXXX XXXX {$97.00} XXXX REIMBURSED XX/XX/XXXX XXXX XXXX XXXX Payment XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Payment XXXX XXXX XXXX XXXX {$280.00} XXXX NOT REIMBURSED XX/XX/XXXX XXXX XXXX XXXX Payment XXXX XXXX XXXX XXXX {$200.00} XXXX REIMBURSED XX/XX/XXXX XXXX XXXX MOBILE PMT XXXX XXXX XXXX XXXX XXXX {$180.00} - REIMBURSED XX/XX/XXXX XXXX XXXX XXXX Payment XXXX XXXX XXXX XXXX {$200.00} XXXX REIMBURSED XX/XX/XXXXXXXX XXXX XXXX XXXX Payment XXXX XXXX XXXX XXXX {$250.00} XXXX REIMBURSED XX/XX/XXXX XXXX XXXX XXXX Payment XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Payment XXXX XXXX XXXX XXXX {$280.00} XXXX REIMBURSED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$300.00} XXXX XXXX
Consumer complaint received 2023-03-02
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 — Problem with personal statement of dispute
Company: ENOVA INTERNATIONAL, INC. (FL)

XXXX cfpb closed report immediately as SOP AND JUST mailed a letter. This standard operating procedure of do nothing is a Hallmark of what is in my opinion a corrupt organization, fraudulent and a lie. The facts confirm this opinion time after time. I wrote to edify those who actually believe this is a organization with integrity and character when by fact they have proven over hundreds of complaints to be a sham. They know this as truth but frankly don't give a XXXX! Above us all.
Consumer complaint received 2020-09-15
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. (OH)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On or about XX/XX/2023, I made a purchase from XXXX XXXX in the amount of {$590.00} to be split into three payments of {$190.00} each onto my bank debit card. XXXX XXXX explained that I was purchasing a marketing system and I was thrilled about my purchase until XX/XX/XXXX when I was contacted by phone and text by one of his staff members, XXXX because he said that what I purchased would not guarantee my success. At that point, I felt as though I been scammed and was very discouraged and then I received a phone call from another member from his team and his name was XXXX XXXX. I explained to him that I did not want to continue with the program due to XXXX 's comments and I shared with him that I was extremely disappointed. XXXX said that XXXX made a mistake but I obviously did not believe him and I never utilized anything of the web information that was emailed to me because I felt as though I had been scammed and I told XXXX that I wanted to cancel and he kept telling me that he was going to send me some special package that I never received and I told him that I just wanted to cancel and he never responded after that again. XXXX XXXX charged my debit card twice in the amount of {$190.00} on XX/XX/XXXX and again on XX/XX/XXXX and Bank of America only provided provisional credit for the first charge because they are saying that this a fraudulent claim and doesn't fall under Regulation E. I spoke with them to file the original claim for both charges on XX/XX/2023 and they told me that there wasn't a specific time frame that they were required to follow for the claim process. I asked them what government entity regulated the bank regarding the handling of these types of claims and they said that they did not know and was not very helpful at all. They said that I was not entitled to a provisional credit for the second debit for the charge on XX/XX/XXXX because it didnt fall under Regulation E. I have been a bank customer for over 28 years and they have always treated so very poorly and I am going to take my business elsewhere very soon because I am tired of this treatment.