davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (WI)

My husband used Wells Fargos XXXX application on Friday XX/XX/2018 to transfer {$1300.00} to my checking account. It said that there was an error and funds could not be transferred, but {$1300.00} disappeared out of his account. He called immediately and was told that they would open a claim for him, but that the issue should be resolved within an hour. 

It took over 24 hours for the {$1300.00} to show up as a pending transfer in his account, but there was still no notice on my account and the money was still missing. He called again on Monday XX/XX/2018 and was told that they could open another claim and that they would expedite the money into my account the following day as the status of this transfer in his account now showed that the funds had been transferred. 

I called on Tuesday XX/XX/2018 as the {$1300.00} had yet to show up on my account. The first person told me it would take 14 business days for my husband to receive the money back to his account. The second person I spoke to was part of the online customer service team and told me it could take up to 10 business days for my claim to be resolved. I asked to speak to a Supervisor ( XXXX XXXX ) who told me there was nothing they could do and I could file a complaint. She was extremely rude. I informed her that a check I wrote for rent would most likely bounce and that I was late in paying 3 bills because of this issue and she said there was nothing she could do about it because they didnt know when the issue would be resolved and if I was upset, I could file a complaint. 

Lastly, I was transferred to the complaint department. I was told that XXXX was an executive and she had the authority to tell me that the money would arrive in my account by the next day. She also said she would request that Wells Fargo look into covering late fees and bounced check fees. I asked her why they were not able to put the money into my account because it is a documentation glitch and our money should still be physically available to us and she said she wished the same thing as she was also dealing with this personally. I told her I felt that Wells Fargo has essentially robbed us as they were withholding our money. 

And now, we wait again after another conversation with Wells Fargo and prior empty promises to see if we recover our {$1300.00} tomorrow. We will be closing our accounts and banking elsewhere as soon as this is resolved.
Consumer complaint received 2022-07-09
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

XXXX XXXX XXXX account, 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 a account without my written instructions
Consumer complaint received 2018-09-04
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. (WI)

Experian refuses to correct bad and incorrect information on my credit report. XXXX XXXX XXXX  have been paid. They remain on my report as open collections. 
XXXX XXXX  is not my responsibility. This is my ex-wife 's responsibility. This was part of our divorce decree. The fact that she is regularly delinquent is not my legal responsibility. I can not recall ever even having to have spoken with XXXX. This detrimental information should not be on my record.
Consumer complaint received 2022-07-09
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland Credit sent all of my information via overnight mail to a lady in XXXX XXXX. The information that was sent contained all of my private information including my social security number. I learned of this because the person who received all of my information called me in XXXX to let me know about the incident. I just reviewed that voicemail today and learned that all my information was sent to her. I don't know who else has my information as they already sent it to one random person without my consent. They did not contact the address to find me and confirmed I lived there. They just sent my information with everything that an identity thief would need to ruin someone's financial future. I want to see if this is something that is common or not because I feel like my financial privacy has been violated without consent.
Consumer complaint received 2023-03-27
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

I am writing to you on behalf of myself, regarding the unauthorized disclosure of my personal information to unaffiliated third parties without my knowledge or consent. It has come to my attention that your institution, Infiniti Financial Services LLC, has reported my information to third parties without providing me with the required disclosures, as mandated by Federal Law.

As per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, financial institutions such as yours are required by law to give customers three disclosures, including an opt-out notice. Upon careful review of all documents provided by your institution to me, I have found that none of these documents contained any of the required disclosures under 15 USC 6802 ( b ).

Accordingly, I am hereby requesting that you provide me with all the above-required disclosures as per Federal Law.
Consumer complaint received 2023-03-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items that have been found on my credit report. I have identified several issues with the information that has been reported and I am requesting your assistance in correcting these errors. 

Firstly, there are several unauthorized inquiries on my credit report. These inquiries from XXXX XXXX and XXXX XXXX were not authorized by me and I suspect they may be fraudulent. I am requesting that these inquiries be removed from my credit report immediately.

Additionally, there are several inquiries that I do not recall authorizing. These inquiries from XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX  are unfamiliar to me and I request that they be removed from my credit report. 

Furthermore, there are several accounts on my credit report that have questionable information associated with them. The account with XXXX XXXX XXXX with the account number XXXX and XXXX, as well as the account with XXXX XXXX XXXX with the account number XXXX, all have questionable names and numbers. I am requesting that either the information be clarified or the accounts be deleted from my credit report. 

In addition, the account with XXXX XXXX with the account number XXXX has a payment history despite being listed as a charge off. This is inaccurate information and I am requesting that this account be removed from my credit report. 

Lastly, the account with XXXX with the account number XXXX and the account with XXXX XXXXXXXX with the account number XXXX both have incorrect information associated with them. I do not recall ever being late with my payments and I request that this inaccurate information be removed from my credit report immediately. 

I appreciate your attention to this matter and I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ideal Collection Services, Inc. (FL)

I paid to terminate my lease in XXXX XXXX apartments in XX/XX/2015. My utilities and rent were prorated and paid for as well. Upon correctly terminating my lease, I had my apartment inspected, prior to leaving, and was able to get my deposit back. I am now being charged {$1900.00} for " damages ''. I have spoken with two different angents at the Ideal Collection service, and both of their claims differ as to why {$1900.00} worth of damages accrued. Also, the property listed my reason for moving out was because I owned a pet. I never had a pet and moved out on my own accord. Adding on, I did not live in this unit for two years and should not be charged for a 2 year carpet replacement. Overall, I do not understand how I am being charged for damages when the property personally paid me my security deposit upon after walking through and verifying that my apartment was in good condition. I have been trying contact the XXXX XXXX XXXX XXXX XXXX ( XXXX  ), the real estate company that XXXX XXXX was under, but have been unsuccessful because XXXX XXXX no longer exists and XXXX has false contact information. Because of the various mistakes, I have already disputed this charge. I have also done my research on this leasing agency and have found reports of falsified claim of charges and wrongfully sending charges to collections with others that have leased with them.
Consumer complaint received 2018-09-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RMS-Recovery Management Services, Inc. (GA)

To whom it may concern, On XX/XX/XXXX a company out of XXXX Illinois reported a collection/chargoff notice on my credit report for the amount of {$19000.00}, with a listed account number ending in XXXX. This debt is listed as originating in XXXX, 11 years ago. This is not a valid debt as I have never been responsible for this debt or its repayment. This is an attempt to sabotage my credit in order to intimidate me to pay back a debt that I have never signed for and am not responsible for. Please help me remove this fraudulent attempt to smear my credit. I am happy to answer any questions you may have and I appreciate any assistance you can provide me. 
This collection company is unable to provide any signed documentation that proves I am responsible for this debt as I never signed any type of agreement associated with it. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2018-08-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

I have 2 portfolio recovery collections accounts that were XXXX XXXX  accounts that I had removed months ago after disputing them Because they were not my accounts and recently they were added back to my credit and Ive talked to portfolio recovery and let them know that they were not my accounts.

One account is in the amount of {$550.00} XXXX XXXX The second XXXX XXXX is {$370.00} Its also a XXXX XXXX XXXX   account in the amount of {$1700.00} in which Ive been disputing for years and a XXXX   department store account in the amount of {$380.00}.

These accounts were opened by someone else using my info around the same times.
Consumer complaint received 2023-03-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC (TX)

Below is a continuation of the initial complaint first submitted and closed. 

The reason surrounding the hazard insurance discrepancy was at no fault of my own. Village Capitol had confusions at the refinance. This caused them to have an oversight and not pay the borrower assigned hazard insurance. As a result, they placed Forced Placed their insurance. This was during the peak of XXXX which heavily impacted my family resulting in a XXXX XXXX  and XXXX XXXX  I needed my mortgage company to perform as expected and they did not. Their inability to properly service my account lead to undue financial stress and frustrations. I now suffer an increased hazard insurance premium and the delayed analysis caused extreme payment shock. The reason relayed as to why they did not analyze my account does not excuse them from properly servicing the loan and being noncompliant with the RESPA guideline. I am not happy with the path of resolution given. Sine they will not spread my shortage over the 60 month term requested. I do not find it to much to as that they spread the shortage over 36 months. Doing so will keep me out of delinquency in a time when inflations are at an historical high.
Consumer complaint received 2018-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I filed a complaint in XXXX of 2017 for multiple items that appeared on my credit report as a result of identity theft. Equifax responded with items that were to be removed as a result of the investigation. XXXX XXXX  was included as an item to be removed however it still appears on my credit report. Below I have copied and pasted the response form Equifax with the results from the original complaint. 

Equifax reviewed the complaint, its records and initiated a reinvestigation. Equifax did not receive any additional communications from the consumer during the review of the complaint. Equifax will mail the results of the reinvestigation within 30 days. Please be advised XXXX. XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX and XXXX XXXX was deleted for the credit the file in case number XXXX. XXXX   XXXX.has been verified as reported with the following Name, Social Security Number, Date of birth and address. Equifax has sent you a complimentary copy of your credit file. Written confirmation was mailed on XX/XX/17.
Consumer complaint received 2023-03-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc. (WI)

On XX/XX/XXXX, I received a notification from Google Pay that the payment for one of my subscriptions was declined. Google Pay is set up with my bank account 's debit card. I have two accounts with the same bank and have another debit card as a back up payment. Both accounts had sufficient money to pay for the subscription. When I checked my Google Pay account, it said that my payment profile had been suspended since they were unable to verify the information. I did not receive any requests from them prior to this to verify my information and avoid the profile to be suspended. They have a process to submit information to confirm my information and I have followed the process accordingly. I submitted what they needed but did not get a response. I submitted another one and received a follow up to confirm information. They never got back to me on that one. A week later, I replied to the email requesting status of my request with no response. Today, I submitted my third request to have this resolved. I have already three subscriptions pending for payment with one at the brink of being cancelled because I have no other way to pay for the subscriptions and they won't even let me update my payment options because of the entire profile being suspended.
Consumer complaint received 2022-07-25
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violates my rights. 
XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX has violated my rights. 
XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States that 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 a account without my written instructions.

15.U.S.C 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may any consumer report containing any of the following items of information. Any others adverse item of information, other than records of convictions of crimes which antedates the report by more of the seven years.

15.U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-08
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. (FL)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. The following items are listed below : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$9000.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1300.00}
Consumer complaint received 2018-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

I have been a loyal American Express card member for many years, and reach out to you in regards to the current XXXX offer to save 10 % up to {$100.00}. 


This offer was saved to many of my cards. 

I spent {$1000.00} on multiple cards, and received the {$100.00} statement credit on each card. 


I subsequently spent {$1000.00} on more of my cards and again received the {$100.00} statement credit for each card. 

There was a technical glitch with a few of my business green cards, where the system didn't recognize the charges hence the credits didnt post I had numerous conversation 's withthe American Express online Technical Department, namely XXXX and XXXX, and a case was opened with the Amex offers team to rectify the error. 



I received a response confirming that " all '' the cards were in fact eligible for the credit, and If said credits didnt post within 90 days they would manually process the credits. 



Attached is the email received on XX/XX/XXXX asserting the offer is limited to {$100.00} total per card member, and anything above that will be charged back. 



If American Express considers each card a separate product membership as it pertains to annual fees, it must also consider each card as a separate entity eligible for the offer In question. The fact that all the cards were initially credited, clearly indicated you concur with the above noted contention. 



The charge backs are dubious and we request they be reversed, anything less that would not fall under the umbrella of fair and honest business practice.
Consumer complaint received 2022-03-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CT)

I sent a payment to a coworker. 

This payment was returned and both of our accounts were frozen. 

They asked us for our ID Cards. We both sent in our Driver 's Licenses. 

Then my account was closed, with {$2000.00} in it. And I was told I had to wait 180 days for the money to be returned to me. 

I read their Terms of service and the transaction to my coworker in no way violated their terms of service. 

I reached out to them again for an explanation and am not being given an answer as to what rule I violated. I feel like their algorithms are running wild and canceling accounts with no human oversight, as if a human were to look into this I don't believe my account would be canceled. 

I need access to my money, it is alot of money to me, and is creating undo stress and hardships for me.
Consumer complaint received 2022-07-08
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. (FL)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc. (NY)

I have a workers compensation case that I haven't had to pay any medical bills for in the last year except I keep getting harassed by XXXX XXXX XXXX and emergency for bills I have tried to resolve from the very beginning XX/XX/XXXX is when i used their services. They have sent the bill to several creditors to collect on their behalf. the most recent letter dated XX/XX/XXXX which i have 30 days to resolve. since, I have called them in the past to give my claim number and my representative 's contact info, yet the continue to harass me. my human resources rep at my work has tried to contact the debt collector they will not speak to her, they also insist that the insurance company call THEM to verify the validity of my claim, without looking into it. today ( XX/XX/XXXX ), when I call trying to resolve it, they ask for all my personal info, but wont use it to resolve the issue. They person I spoke to from the agency even told me they'd hang up, even though they're harassing ME for over a year now. they say they have tried to contact XXXX XXXX ( my rep at XXXX -- the insurance company handling my bills ) she says she has not evidence they ever did.