davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-05
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

An inquiry from Capital One has appeared on my Credit Report once again and I haven't applied for credit with them in years. 

XX/XX/2023 I was notified and called XXXX and was told to contact the FTC to file my complaint. 

Thank you
Consumer complaint received 2023-07-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: North Georgia Regional Collection Agency, Inc. (GA)

I had XXXX XXXX in XXXX of XXXX that were 100 % covered by the provider due to financial hardship. I never received any bills on these procedures. I moved in XX/XX/XXXX. In XXXX of XXXX, I was called by North Georgia Regional Collections Agency , Inc. saying that I owed on a debt that had been passed to their agency. It was my first time hearing about an unpaid debt from XXXX XXXX. I asked to be sent documentation on the matter. 

I never got that letter. I was called again in XXXX of XXXX by them, and explained I did not get the letter. They mailed it again. I received the letter XXXX of XXXX. There is no itemization of the bill, and nothing documenting my rights as a consumer. I have attempted to call the creditor, and I can not reach them, as all of the numbers listed lead to disconnected numbers. They have not included a professional license number in their communication, and there is no information on disputing/appealing. 

They list the creditor as North Georgia XXXX XXXX, XX/XX/XXXX - {$250.00}. 

This is the first time that I've supposedly had debt sent to a collections agency. I checked my credit reports to see if it was on there, and it is not.
Consumer complaint received 2024-02-13
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

I demand the removal of this late payment from my account as it does not accurately represent my payment history. I have diligently made timely payments, and it's unfair to be penalized with this erroneous entry. Please update my account promptly.
Consumer complaint received 2022-10-10
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)

I really dont know how it really got to this point Im get upset anyone would do this ever. Personally all I know is someone has been using my personal information opening up account under my name for about Im guessing 2 years now.. I just turned XXXX XXXX XXXX, graduated last year and when I recently learned ab it I had seen someone had been using my information and all. Someone opened up XXXX XXXX XXXX, XXXX, and a XXXX  XXXX. A collection debt also is on my credit report which I have no idea what that even is or how it got there as well with 4 inquiries with accounts I am not even familiar with ( XXXX ) XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.
Consumer complaint received 2023-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Vengroff Williams, Inc (IN)

On XX/XX/2023 I realized I was a victim of Identity Theft, after I received a XXXX XXXX credit card and a bill from XXXX for two new XXXX both of which I did not apply for. 
I had completed all steps to get those items handled, filed a police report, filed a FTC Report, froze my credit, etc. 
On XX/XX/2023 I received a letter in the mail from the debt collector Vengroff Williams who was trying to collect {$760.00} for a XXXX transaction. After contacting the debt collector I found out the transaction was completed at XXXX XXXX, which is located at XXXX XXXX XXXX XXXX, XXXX, Indiana XXXX. The XXXX employee informed me that in addition to my name on the contract for the XXXX rental two additional names had been added to the contract. Unfortunately XXXX would not provide me with the two additional contacts listed on the rental. The contract number is XXXX. The XXXX had been picked up from XXXX XXXX on Thursday XX/XX/2023 at XXXX XXXX and had been dropped back off on XX/XX/2023 at XXXX XXXX. The pickup date was prior to when I first filed my initial report. The original cost for the XXXX rental had been {$210.00}. 
The original police report has been updated and both Vengroff Williams and XXXX have been contacted and appropriate steps are being taken to get this resolved.
Consumer complaint received 2021-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2021 I submitted a claim to Wells Fargo Bank. After XXXX gave me a refund for a cancellation that I canceled well within the time limit. But the the next morning they took the money again it was {$650.00}. I contacted XXXX about the problem didn't get any assistance. At that time I summited a claim with Wells Fargo Bank. They temporarily adjusted my account for {$650.00} But now 3 months later on around XX/XX/XXXX the bank reversed my claim and I kept contacting the bank spoke with several bankers they said there was nothing that could be done because the claim was closed. I then called XXXX and asked for a refund again didn't get any answers. I then called the Bank again and asked to speak to a supervisor supposedly the bank connected me with a supervisor. The lady whom I spoke with started reading to me the information XXXX sent in and said it wasn't readable and said it looked fraudulent. So she claimed she was going to open a new claim but when I called to check on the claim the bankers said there was never a new claim opened. I also called XXXX back and informed them I spoke with a bank supervisor and the supervisor said the form they sent in their defense looked fraudulent and wasn't readable and I told them I would get the federal government involved if I had to. At that point they agreed to refund my money in the amount of {$650.00} which they said they will on XXXX XXXX  because the XXXX host is having financial difficulties. Now Wells Fargo keeps giving me overdraft fees for a mistake they made. I also have the screenshots in my phone where XXXX agrees to refuse my money. I have reason to believe someone in the claims department at Wells Fargo Bank is working with someone at XXXX to steal money from customers accounts
Consumer complaint received 2024-03-28
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (MD)

XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Cell : XXXX Subject : Complaint Against I.Q. Data International , Inc. and XXXX XXXX XXXX ( XXXX  ) Dear Sir/Madam, I am writing to file a formal complaint against I.Q. Data International , Inc. and XXXX XXXX Apartments ( MD ) regarding their attempts to collect a debt from me that is unjustified and based on inaccurate information. 

I recently received a notification letter from I.Q. Data International , Inc. on behalf of the creditor XXXX XXXX XXXX ( XXXX  ), stating that I owe a debt of {$1100.00}, including interest due of {$67.00}. This debt allegedly stems from my tenure at the aforementioned apartment complex. 

However, I must clarify that I disputed the amount charged by XXXX XXXX XXXX last year after my move out. I personally met with the Manager at the complex located at XXXX XXXX XXXX, XXXX XXXX, where I resided. During our meeting, the Manager acknowledged the discrepancy and agreed to lower the amount owed. He assured me that he would send a mail confirming the adjusted amount, but unfortunately, I never received any such correspondence. 

Despite the Manager 's acknowledgment of the issue and promise of resolution, XXXX. XXXX XXXX XXXX XXXX is now pursuing aggressive debt collection actions against me, including reporting my account to credit agencies. This is completely unjustified, and I feel that I am being unfairly targeted for a debt that has not been properly addressed by the creditor. 

I am deeply concerned about the potential negative impact this unjust debt collection could have on my credit score and financial well-being. Therefore, I am seeking your assistance in stopping this abusive situation and preventing any further threats of interest rate escalation. 

I request that you intervene in this matter and ensure that XXXX XXXX XXXX  provides me with a reasonable and accurate assessment of the debt owed, as previously agreed upon by their XXXX. Additionally, I urge you to take appropriate action against XXXX. XXXX XXXX XXXX XXXX for their aggressive and unjust debt collection practices. 

Thank you for your attention to this matter. I look forward to your prompt resolution and assistance in rectifying this situation. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-06-13
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. (CO)

XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX partial account number XXXX. ( Please see pages 8 and 9 of the attached credit report. ) I called XXXX XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

i reviewed my consumer reports and noticed that i had nine late payments on an account that i was never late for. The consumer agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. i have never been late on payments for the accounts that i have included a screenshot insude the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided, i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached.
Consumer complaint received 2022-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (NY)

Comenity Bank credit card, On XX/XX/XXXX, an on time payment of XXXX was made and MY Error paid again on XX/XX/XXXX ... .Tried to have my card credited for XXXX but my calls and e-mails were ignored. 
. 
On XX/XX/11 Comenity charged my card XXXX again They're XXXX, so now there were XXXX charges that would need to be reversed!.. 
I spoke to a XXXX 's supervisor ( Comenity ) is linked with XXXX 's, who told me they were having many problems with them, and XXXX XXXX would soon be replacing them and I would soon receive a XXXX XXXXXXXX credit card, replacing Comenity bank 's, credit card.. 
I was given a XXXX XXXX phone number to try to resolve this problem This was accomplished. I have received the XXXX credits due me. 

To my surprise Comenity has once again included this XXXX in my balance! 
I have returned the current statement backing out this XXXX a late charge of XXXX and XXXX, XXXX interest charges for a total of XXXX I sent their recent statement indicating my balance was XXXX. 
I will not be using this card in the future, and await the XXXX XXXX replacement card... 
No further charges to this credit card will be made.
Consumer complaint received 2022-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX, In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I reported fraudulent charges from my debit card to Wells Fargo on XX/XX/2023. A week later I receive a letter in the mail stating that the charges were made by me or someone I know so they are reversing the preliminary credit to my account which was just under {$100.00}. While this amount is not huge, I still believe Wells Fargo is not upholding its duty of XXXX fraud liability. I did not make these charges nor did anyone else that I know. My card was in my possession and a hacker somehow was able to obtain the information from it. This is terrible business practices and they will lose a long time customer over this unless fixed.
Consumer complaint received 2022-10-10
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have an Bank of American Pre-paid Card with the Sponsor being California EDD which paid me my unemployment funds and Covid pandemic funds in XXXX and early XXXX. In late XX/XX/XXXX my Bank of America Pre-paid debt card was frozen with a balance of {$860.00} in that account from my California EDD funds. It has been frozen for over a year now. I have talked with Bank of America 10-12 times with both front line personnel and managers the answer is always the same : We can not help you, you have to call your sponsor California EDD to request the account be unfrozen. I have contacted EDD 8-10 times over the last year, my ID verification has been clear twice with them and they have nothing on hold or anything in my records to prevent an account from being unfrozen. EDD has requested my account with Bank of America to be released least 6 times. Bank of America has my money which belongs to me and is rightfully mine but will not release the funds. HELP!!! Nobody can get to anyone who has the ability to release my account. Is BofA or EDD just going to steal my funds? It is now starting year number 2 -- - What do I do??
Consumer complaint received 2021-04-14
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. (FL)

TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXXXXXX. XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : 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 Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 



XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2019-06-13
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: Experian Information Solutions Inc. (NY)

The following accounts have been disputed on these dates : XXXX, XXXX for late pays after account closed, comments/remarks incorrect, never got a response for XXXX, XXXX , Experian 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 XXXXXXXX
Consumer complaint received 2022-02-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/2022 a XXXX  transfer for {$84.00} was made to a closed account. I contacted Wells Fargo and the transfer was cancelled and I was to receive reimbursement of the {$84.00}. On XX/XX/2022 I contacted Wells Fargo once again to inquire into the cancelled XXXX  transaction and to report the {$84.00} had not been deposited to my account. Today, XX/XX/2022, I am on hold concerning the same cancelled XXXX  transaction. Not only have I been transferred XXXX  times to claims, claims has transferred me back to the online banking que every time where I then wait for a prolonged period in order to speak with someone. I have yet to receive any information regarding the cancellation or be reimbursed the {$84.00}.
Consumer complaint received 2021-04-14
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

In XX/XX/2020, I received an invitation from Citi to open a money market account. It stated that if I was to open this account, and deposit {$50000.00}, I would be eligible for a {$700.00} bonus offer. After receiving this offer, I applied and opened the account. I never received any sort of confirmation that this account was opened successfully. 

I then called and spoke with various customer service representatives who all confirmed my eligibility for this promotion. To make a long story short, after I made my deposit, I received a notice stating that I wasn't eligible since I had an account with them in the past. 

I have tried multiple times to resolve this issue with Citi, even escalating it to their " executive division ''. Their last correspondence to me states that they " reviewed my telephone interaction with the agents and confirm that they confirmed eligibility '', however, they are still standing with their decision not to honor the bonus. I believe this to be a complete bait and switch. 

I have attached my last letter to them ( dated XX/XX/XXXX ) and their response to me XXXX dated XX/XX/XXXX )
Consumer complaint received 2022-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CA)

I have a Mortgage with US Bank. I use there online payment system to make my mortgage payment. I Like to have serval months of mortgage payments paid in advance. so I pay in advance in case something happens and i cant make the payment. 
In the past this was not an issue with the bank, but NOW it is for some reason I have had st spend several hours on phone correcting this issue with them and they have still not resolved the issue. When i make an EXTRA payment on my mortgage it does not show that i made an extra payment after the payment has processed like it use to in the past. So when I call they tell me that the payment was put to 100 % of my principle. Which it should not have been. This makes it very difficult for me to keep track of the actual principle and interest on my account. It also effects my taxes because in my payment I pay my taxes to the bank and then they pay it to the Tax collector when it is due. This has also caused issues when they pay my taxes in the past which has made me pay penalties that the bank should have incurred, not me. If they cant do their job that is not my fault especially when i have no control when the money gets sent out. It also could potentially make me late in my payment if I did not know this, not to mention is against the law. I would ask that this gets resolved with this bank because by doing this they are creating false Financial Accounting which I would assume helps the bank get more money for loans which is Against the law. This is not to mention that it makes it very easy for them to ACCIDENTLY continue to make this mistake and it makes it harder to keep track of my actual payments that are made and my Principle, Tax and Balance of my mortgage. Please address this problem with this US BANK
Consumer complaint received 2023-07-05
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am writing to dispute the following information in my file. I recently received a copy of my XXXX credit report. The credit report showed credit inquiries that I don't recall authorizing. With the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge this questionable information. I understand thatyou shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
The FCRA states that the only permissible purpose for pulling someone's credit is for : Firm Offer of Credit Insurance Employment Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX CAPITAL ONE AUTO FINANCE ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX CREDIT ONE BANK ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove these inquiries from my credit report immediately.