davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-12
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: Experian Information Solutions Inc. (AR)

I do not feel that Experian has done a proper investigation into the inaccuracy on my credit report. I disputed the collection account reporting on my report for XXXX XXXX XXXX. Experian updated the report with a statement that the account was disputed by the consumer, but I have yet to receive anything detailing how this account was verified. I do not recall owing this amount with the original creditor. Please validate as I believe you are in violation of 15 US Code 1681a ( 4 ) by reporting mis-information. Until this account is investigated and validated, please remove this immediately from my credit report.
Consumer complaint received 2023-04-06
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: CORELOGIC INC (TX)

I am writing to express my dissatisfaction with the way in which this reporting agency have been handling consumer disputes and challenges. I believe that they have been sending out form letters in response to many of these submissions, regardless of the specific information that has been provided. This is a clear violation of the law, as each dispute and challenge must be addressed individually and on its own merits. 
Furthermore, I have reason to believe that the consumer reporting agency may be delaying the processing of letters from consumers based on the assumption that help from a third party may be available. This too is illegal, as there is no legal exception to allow for such delays.

I would like to state for the record that I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. It is important to note that there is no law that requires a Power of Attorney in order to delay processing letters from a consumer urge you to take prompt and appropriate action to address the concerns raised in this complaint.
Consumer complaint received 2019-08-27
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

On XX/XX/2019, I noticed charges on my card that wasnt mine. I immediately reported at that time that i dont have possession of that card. Capital one put the credit back on my account after a 30 day investigation. After 60 days, capital one put the charges back on my account without me knowing about it. I have been denied business credit, charge interest that made my account go over its limit. There is camera footage from XXXX   XXXX that shows a person that is not me nor my wife.
Consumer complaint received 2023-04-06
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: MIDFIRST BANK (IN)

It has been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to late payments. They have not supplied this information and they must delete the alleged late payments on my credit report. Under Federal Law they had 30 days to complete the investigation and by failing to do so the item must be deleted from the report as soon as possible.
Consumer complaint received 2022-06-12
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: Experian Information Solutions Inc. (NY)

Despite providing specific information to the credit reporting agency as to the dispute, the credit bureau did not require the reporting company to verify that information. Rather, the allow the collection agencies to " verify '' a debt by simply looking at the account information and seeing the name on the account. When specific information is provided, the credit reporting agency has a duty to make sure that it actually " investigates '' that dispute, not just the name on the account.

In this case, I disputed the charges, not the account. However, the credit reporting agency only required XXXX XXXX XXXX to verify the name on the account. This does not meet the requirements of the Fair Credit Reporting Act
Consumer complaint received 2021-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

XXXX claims I opened an account with them on XX/XX/2021 for {$1000.00}. I have never opened an account and know this to be fraud. I have disputed this account and each time they claim it not fraudulently opened. First they say I have made 2 payments in XXXX and XXXX and only owe {$450.00}. I have checked my bank statements from my only bank account and have never made any payments to XXXX. XXXX refuses to provide any answers as I am not a account holder but on my credit report says that I own the account. I have never received any information via mail, email, electronic communication or phone. I have never wet signed it electronically signed any documents pertaining to this debt or account.
Consumer complaint received 2020-07-25
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. (TX)

FTC Violations Never lived at the following addresses : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX {$150000.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX  XXXX {$830.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I don't think it is right to continue to charge a monthly fee when a person makes more than the minimum monthly payment. This forces unnecessary debt. 
I have been XXXX and out of work for over a year which is why my account was overdrawn. These predatory techniques should not be allowed let alone on a situation like this. 
I've been trying to bring the balance down but charging $ 15+ a month despite any type of payment isn't right.
Consumer complaint received 2022-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX Account XXXX Credit Bureaus reporting late payments after account was closed i.e. XXXX reporting 15 90days and greater late payments from XX/XX/2021 to present day. An account can not be late after it is closed. This is a violation. Delete this account immediately.
Consumer complaint received 2018-04-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC (IL)

Transferred money to my son using XXXX XXXX XXXXXXXX XXXX   from my XXXX XXXX account for pick up at any XXXX in FL. I live in XXXX. The transfer was confirmed and available, but when he went to pick it up, XXXX would not release the funds. they required me to call Ria to clear up a compliance problem. Ria 's system showed no problem, but their customer service team ( after many calls to get a live person ) suggested I cancel that transaction and send another one. So I did. The second one also went through, but it was held in compliance. I was variously told by several staff members, the cancellation of # 2 transaction was due to a high rate of consumer fraud in XXXX, that there was an unidentified problem with my transaction, that there was some type of issue with XXXX XXXX. 

Repeated questioning of several staff members of Ria proved useless as they were not going to tell me what was wrong with me, or my transaction, or why they sold me 2 transactions into a region that was blocked from all transactions. The lack of honesty, and transparency was appalling. Eventually, after more than an hour on the phone I was able to get my money refunded, but I could not get my son the cash he NEEDED because for the entire day I was told this transfer was fine, only to realize after the fact that it had been blocked, for a reason that no one at Ria will explain.
Consumer complaint received 2021-12-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (CA)

I wish to complain about the charges brought up by XXXX XXXX XXXX ( ambulance transport service, Creditor Account Number xx-xxxxxx ) which happened 9 years ago. And on XX/XX/XXXX, I received a letter in the mail dated XX/XX/XXXX, from which WAKEFIELD & ASSOCIATES, is asking me to pay {$3000.00} in behalf of XXXX XXXX XXXX that had accrued interest of 7.00 % from the service date XX/XX/XXXX. 
When I read that letter, I contacted one of your representatives ( XXXX XXXX XXXX XXXX REPRESENTATIVE ) and he gave his name as XXXX XXXX no last name ). As I spoke to him on the phone, I informed him ( XXXX ) that the amount they XXXX XXXX XXXX XXXXXXXX ) gave me thru WAKEFIELD & ASSOCIATES are unfair. XXXX and XXXX are my insurance providers and based on the reviews I read about XXXX XXXX  XXXX, most patients ' complaints are about billing ( not billing the insurance providers ). 
I am permanently XXXX due to the hemorrhagic XXXX I acquired in the year XXXX. And I'm fully aware that before I was released by the hospital, which I was confined and rehabbed for almost 7 months, that the hospital and other services provided were cleared by XXXX and XXXX that year XXXX. So, me and my spouse know that we are clear of any financial obligations regarding my hospitalization. 
Finally, as XXXX ( WAKEFIELD & ASSOCIATES REPRESENTATIVE ) suggested, write them a letter with the reference number XXXX. I am a permanently XXXX person, my medical doctor advised me not to work because I can not handle any physical or mental stress and as of this date I'm just relying on my family 's support. And the letter that I received from WAKEFIELD & ASSOCIATES puts a lot on me, both XXXX XXXX XXXX XXXXPlease HELP ME and kindly intervene in my behalf, so this people/ collection company that represent the interst of their client company will stop any future harrasments of some sort bec. my mind and body can not tolerate such XXXX XXXX XXXX XXXX XXXXXXXXthank you.F.G
Consumer complaint received 2018-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (TX)

Today XX/XX/2018 My husband and I contacted Chase bank to negotiate a settlement of our credit card balance. We were on the phone for almost 2 hours, transferred to 4 different people and offered a 4 monthly payments of {$8700.00} starting in XXXX which we agreed to, once we requested that they sent us the paperwork to sign, they refused telling us to go visit a credit counseling agency they recommend. We told them we didnt want to talk to a credit agency many times as we had already consulted with an agency and also a debt settlement agency as well that charges fees and will tell us to not make our payments. Repeatedly we told them that we wanted to make the agreed payments and they said that they are not disagreeing but they never agreed either. After two hours on the phone, they hung up on us and nothing was acomplished. This company is a ripoff, they are ripping off the consumer and robbing us of peace of mind and the opportunity of paying off debt. Please help
Consumer complaint received 2022-06-12
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. (CA)

While attempting to refinance my home, my credit report was pulled and I realized there are multiple inquiries on my report that I do not recognize nor did I give my permission to obtain. This includes inquiries from around the time I refinanced after my mortgage company advised they would be the only one to submit a request for my report and I also see past situations where I was told my credit would only be ran ONCE and that was not the case.

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX  on XX/XX/XXXX XXXX. XXXX  XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX
Consumer complaint received 2021-12-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX. Now TransUnion XXXX bought the debt. 

XX/XX/2018 I moved out of my house that the billing is for electric. I called and told them to turn off the power and I lived 2 hours away. They said they were shutting it off. 

Next I get a bill for {$1000.00} something for something that wasnt supposed to even be on. 

I called and let them know when I got the bill that it wasnt suppose to be on bc XXXX  was told it was being turned off. This bill shouldnt be hitting me on my collections for an error on their part. I even had XXXX XXXX in a different address at that time!
Consumer complaint received 2020-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (IL)

To who 'm it may concern, Hello my name is XXXX XXXX. I was a victim of a scam/phishing scam with my U.S Bank account which severely impacted my funds! I have had near {$4500.00} stolen from me via XXXX payments made through my U.S Banking app which I never authorized. I noticed this issue when I deposited money to my account, went to pay my credit card & my card was denied due to lack of funds! At this point I had a bad feeling so I checked my account and noticed my funds were missing. Ok no problem, I've had unusual charges before with XXXX so I call in to U.S Bank & speak with a very nice lady she helps me make claims & re-assures me my money will be returned to me once they investigate. I call back after 10 days of this claim and ask whats going on with it as this is a lot of money, then im informed my case is closed and I lose? how is this a thing. NOBODY from u.s bank contacted me asking me more of the story, nobody allowed me anywhere to fax/email my police report, A screenshot of the phishing email, or anything else to help me with my dispute I have a gut feeling they simply just denied it for the sake of it. I have not had contact with any of the bankers from this bank for anything with my vase and when the guy stated on the phone my case is closed I asked him to please re-open it and give me a designated FAX # Or email address to fwd the email in which I was phished in and also to submit my police report. The gentlemen on the phone responded to those questions I asked stating the following " sorry sir we don't have anywhere you can send these documents to ''. How is this possible? my money was stolen and they aren't even putting a effort forth to help me. Not really sure what else to do no lawyer wants to handle this and U.S bank is refusing any documentation and re looking into this! Thanks claim # XXXX U.S. Bank fraud department # - XXXX attached is the email in which my info was stolen as I researched online I came to found this was the email that stole my info from scammers pretending to be the bank
Consumer complaint received 2018-03-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Meade & Associates, Inc. (OH)

I recently received a copy of my XXXX  credit report that shows a collection that should have been removed off my credit. I was advised by the collection agency representative that the address they had in there systems did not match the correct address for me, therefor I was not notified properly of the debt in question and if I paid the debt it would be removed off all 3 of my credit reports ( XXXX. XXXX, XXXX ). Attached is a copy of the XXXX  credit report where the item was deleted but as of today XXXX is still reporting this debt on my report. I am no longer reponsible for this account and it is negatively affecting my credit report, I am asking that this item be removed asap. If this account is not deleted I will be forced to contact the XXXX and seek legal counsel to file suit. Thank you
Consumer complaint received 2020-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

Bank of America has debited my checking account XXXX putting it in the negitave of course. All I get is something about fraud being investigated, just two weeks prior I reported a double charge from XXXX XXXX. I'm frozen out from my account and freaked ... every penny I have is there. Thanks for any help XXXX XXXX
Consumer complaint received 2022-08-11
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX 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 a account without my written instructions
Consumer complaint received 2020-06-05
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: Advance America, Cash Advance Centers, Inc. (CA)

Monday, XX/XX/2020 Advance America Manager contact me to schedule a payment, stating my account is 30 days late and continue to incur a late fee. 

My monthly payment is {$280.00} and due on the XXXX of the month. On XX/XX/2020, my payment of {$280.00} was returned by the bank. I contact Advance America and made payment arrangements. I made the following payments : XX/XX/2020 {$130.00} cash XX/XX/2020 {$180.00} cash XX/XX/2020 {$250.00} cash, {$47.00} Cash XX/XX/2020 {$280.00} cash - PAYMENT TO MAKE UP FOR XX/XX/2020 PAYMENT XX/XX/2020 {$280.00} auth # XXXX XX/XX/2020 {$280.00} debit TOTAL {$1400.00} In XXXX, I made two payments to bring my account current. On XX/XX/2020, I was informed that my second payment in XXXX to bring my account current was applied to the loan interest and I would need to make an additional payment to bring my account current. 

My understanding is that Advance America is not disputing I made the payments above, the dispute is that they will not apply the second payment to the XXXX payment returned by bank. 

I spoke with the Manager and an employee and both state there is nothing they can do.
Consumer complaint received 2018-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

I received 3 return packets from XXXX. I opened one ans saw they were phone return packets. 

I found XXXX 's fraud reporting phone number and tried to contact them, but only recieved automated messages. ( XX/XX/XXXX ) I went to XXXX store at XXXX XXXX, XXXX XXXX and tol ; d them of this fraudulent activity and asked to check the name as spelt on the nvelope " XXXX XXXX '', note not same as my name. They could not find anything, and said they could take any fraud discovery or fraud report information. ( Saturday XX/XX/XXXX ) So I mailed back these packets with notes on Fraud activity. 

I checked the Fraud website on XXXX, and noticed it was too complicated, and asking me to reveal lots of personal information. While in the meantime I am not able to reach any human at XXXX. 
The web reports on Fraudulent department at XXXX were also bad. 

On XX/XX/XXXX I receive a call from collections ( IC Systems : XXXX ). I told them the story and asked them to record all the actions I had taken on this and why I had not received any response from XXXX, nor did anyone try to reach me. 

The IC Sytems instead treatened me that if I dont fill up XXXX  's farudulent report on the website, I will be in trouble. 

At which IO got angry, since I recollected that his website asked for too much information. And there was no way to reach nay human and talk on this issue at XXXX. Their web reviews were also extremely bad.
Consumer complaint received 2019-09-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (WA)

I am XXXX. I am having problems with my mortgage payments. I talked with a counselor and my payments don't add up. I have tried to work with the Mortgage company. They say I am behind since XXXX but I show my bank statements showing payments to them. I did miss XXXX and XXXX but they are saying I owed over {$3000.00} as of XX/XX/XXXX. Then they returned any payments I tried making after that. I got behind last XXXX but on XX/XX/XXXX I thought I got caught up, not missing a payment until XX/XX/XXXX. I was also behind in XXXX. I have a letter explaining all the details but mainly I was behind and was told to make 3 payments and they would work something out. I had the money and then they would not accept anything but {$8400.00}, which I paid even though my statement showed {$5000.00} because I didn't want any trouble. I later wrote a letter to find out where the money went but didn't get a response. I have all documentation. I never have had any paperwork from any lawyer or any documents sent to me or pasted on my house about foreclosure. I don't understand why there is over {$200.00} discrepancy on my monthly payment, why they keep telling me I owe from XXXX and my {$8000.00} payment isn't showing on the accounting sheet they sent me. I am not sure what to send you so I tried pasting major information including important dates, my bank payments, what Mr. Cooper 's statement is showing, fax transmissions and tax information. Please contact me if I am missing more. It has been extremely difficult being on XXXX and I do not want to lose my home. Thank you.
Consumer complaint received 2020-12-12
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (OH)

I just received a ReliaCard in the mail today. I never requested this and I contacted US Bank and asked them to cancel this account. They informed me to filed a complaint and notify the proper authorities. I did not call the number on the card or use the web site provided. I actually found an article from XXXX Colorado that was explaining this fraud issue and the article provided a valid number.