davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-15
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Card Receivables Fund Incorporated (PA)

I was contacted by a debt collection law firm XXXX XXXX XXXXthat I was being sued for a debt. I have never received any noticeof a letter to dispute, just a court date. I attained counsel and was represented on my behalf by counsel. The disposition was judgement for defendant, me.There was not enough and or wrong information to verify debt. I once again been contacted by the law firm stating " you are in default because you failed to enter a written appearance or by attorney the court with your defense. unless you act in 10 days from date of this notice a judgement may be entered against you. '' this letter was received XXXX/XXXX/15, judgement was entered on XXXX/XXXX/15. also letter on XXXX/XXXX/15 from law firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX asking office of XXXX to docket civil action. (? ) XXXX XXXX XXXX and XXXX XXXX XXXX have a long history of making bogus claims against individuals claiming they owe a debt and that they intend to collect by any needs necessary. There is numerous documentation about this law firm and XXXX XXXX to that claim.
Consumer complaint received 2021-06-15
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Since XX/XX/XXXX I have been disputing a DISMISSED bankruptcy that is reporting on my credit report. The bureaus have never once responded out to any of my disputes or advised me if the account was verified which it legally can not be since the bankruptcy court can't verify it! I not only disputed on XX/XX/XXXX but also on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and again today on XX/XX/XXXX. I have also file 2 complaints with you about them not responding and I STILL have nothing!
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX {$550.00} XXXX XXXX {$1300.00}
Consumer complaint received 2021-04-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (TX)

.I have sent over certified letter asking XXXX to verify this debt they refuse to send me anything regarding this matter or debt. I have sent numerous letters to XXXX to let them know that they did not verify this debt, they are misrepresenting verifying this debt because I have not been able to locate anyone. XXXX are stating that they verfied but that is not accurate. Under the FCRA they are suppose to validate this debt which they refuse to tell me how they have verified this debt.
Consumer complaint received 2021-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (WA)

I signed up for a CitiBank checking and savings account via a direct link from their website for a promotion that provided {$400.00} for depositing {$15000.00} across checking+savings and leaving this deposited for two months. I deposited the required funding on XX/XX/XXXX, {$5000.00} to checking and {$10000.00} to savings, for a total of {$15000.00}. These funds were left alone for over two months. 

Prior to relocating any funds, I called CitiBank customer service to confirm that I had met the promotional requirements of the sign-up bonus. CitiBank customer service confirmed on XX/XX/XXXX that I had met the promotional requirements on XX/XX/XXXX by leaving {$15000.00} deposited for 2 months and would receive my promotional deposit soon. The customer service agent confirmed that withdrawing below {$15000.00} would not affect my {$400.00} bonus, although I would have an account fee if I withdrew below {$10000.00} due to account type. After confirming this with CitiBank customer service, I used funds to make purchases, but still left an excess of the required {$10000.00} to avoid account maintenance fees. 

Today on XX/XX/XXXX, I called to check on my promotional deposit, as it has been over two months. I spoke with 3 different representatives, waiting on hold for over an hour, and got three different answers. One representative from CitiBank now claims that I opened the " wrong '' account, and that this promotional bonus never applied to my account, despite the fact that I applied directly through the CitiBank website, and I had previously confirmed with CitiBank representatives that my account qualified. The CitiBank representative refused to correct the issue, escalate to superior, or file an internal memo. 

I would like to receive the {$400.00} promotional signup bonus as per the terms of the initial agreement that was completed on XX/XX/XXXX and that was confirmed by CitiBank on XX/XX/XXXX.
Consumer complaint received 2019-07-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Avant Credit Corporation (TX)

Hello, I received an email stating that my account was paid and everything was updated accordingly. I logged into the Avant system to see if it was accurate and to check my options for a new loan if I ever needed it but I wasn't given the option.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Transunion is reporting a last payment XX/XX/2021 and XXXX XXXX is reporting XXXX/XXXX/2021 therefore inaccurate information on credit report. Enclosed please find a copy in highlighting yellow. Driver license and rental agreement enclosed
Consumer complaint received 2020-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (NJ)

Over {$12000.00} has been withdrawn from my checking account from a merchant that did not have my authorization or permission to charge my account. There is no contract in place and the merchant has been withdrawing about {$120.00} a month from my checking account for the past 10 years. I never noticed because there is no signed contract in place and I was unaware money has been withdrawn from my account. I disputed the charges with PNC bank who opened a dispute with the merchant. The merchant never responded to PNC bank, however PNC notified me that despite receiving no feedback from the merchant, they closed the dispute in favor of the merchant and it is my responsibility to recover my money. The reason PNC gave me they ruled in favor of the merchant was due to internal bank policy. The merchant never responded to the dispute charges. I am a consumer and pay bank fees to PNC bank. I have a right to expect my account and money to be secure. PNC told me anyone who has my routing.account number can go into my account and withdraw money without my permission. PNC does not consider this type of activity fraud and does not want anything to do with it. I am a consumer, pay bank fees and expect PNC to keep my money secure. I am filing this complaint because PNC refuses to do anything to get my money back. These were unauthorized charges and there is no contract or proof of any purchases I made from the merchant. There is no contract or proof of purchase because I never signed a contract for the money that has been taken out of my bank account. Does the consumer have any frights these days? Can banks just walk over average middle class Americans and not be responsible to keep our accounts secure? Please help.
Consumer complaint received 2020-02-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: DISCOVER BANK (CA)

XX/XX/2020, received an email with the subject line. we detected a new account opening. 

Goes on to say, View Details We monitor your XXXX  credit report every day and have detected that a new credit account was opened in your name. 

No such account has opened. following their link led me to a paid service. I could not find the new account on any other credit reporting website. 

I just felt that it was unfair that they could lie to me and tell me that my identity has been stolen in an attempt to sell me something.
Consumer complaint received 2020-02-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (KY)

Discover Bank sent me a letter dated XX/XX/20 indicating they had received my dispute and was investigating and would inform me of their findings subsequent to investigation. They informed me they had informed XXXX XXXX of dispute. 

XXXX XXXX informed me they were told on XX/XX/20 that disputed account was correct. Dispute was closed. 

I have no idea if the investigation is closed ; I have not been notified of their findings if it is. Hoping CFPB will contact Discover to see if investigation is closed. Have asked Discover but receive no response.
Consumer complaint received 2020-02-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (IL)

Severe misallocation of XXXX payments for as long as I can see in the payment history from the servicer 's website. I ONLY noticed this with my most recent excess payment of {$1500.00} on XX/XX/2020, in which the amount was not applied as intended ( i.e., 100 % towards the loan with the highest interest rate ). To provide context, I'm paid ahead by several months AND I have a recurring automatic payment on the XXXX of the month to ensure that I'm ahead of any due payments, so any ADDITIONAL payments should be applied as I see fit ( which I specifically note in the custom allocation of my payment during the processing of said payment ) ; however, the loan servicer, Great Lakes Educational Loan Services, either intentionally or erroneously spread my excess payments out across several loans that have lower interest rates, which just makes my total payment across the life of all my student loans significantly higher. This is unlawful and is almost identical to the XXXX  misallocation of payment lawsuit. I have contacted the loan servicer multiple times about this, and I have yet to see a resolution.
Consumer complaint received 2020-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

Credence Resource Management purchased a debt from XXXX XXXX another debt collector that had previously been disputed with XXXX  and removed from my credit. It was placed on my credit again under Credence Resources Management. I do not owe XXXX XXXX or Credence Resource Management money nor do I have a contract with them to pay. Per the FCRA this entry must be deleted from my credit immediatly as it violates my rights under the FCRA.
Consumer complaint received 2021-04-17
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. (GA)

XXXX XXXX is a charged off account from XXXX. The company continues to report a past due balance. XXXX and XXXX continue to post 90 day lates each month from the company. In addition, the close date is only shown on Transunion and not XXXX or XXXX. The date of last activity is listed as XX/XX/XXXX on XXXX and XX/XX/XXXX is shown on Transunion. XXXX  doesnt show anything. XXXX and XXXX do not show a high balance but Transunion does. 

My FCRA rights are being violated and the account needs to be immediately removed. This account has been reinvestigated multiple times and is not being corrected which violates my FCRA rights in section 611- more specially how to handle inaccuracies and unverifiable information. It is clear that each reporting agency hasnt done this with previous investigations. 

My attorney will file a lawsuit in XXXX XXXX, GA because this is harming my changes of obtaining a mortgage. 

Remove this account as enough time has been provided to give accurate information.
Consumer complaint received 2020-02-20
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (VA)

On XX/XX/2020 I contacted Schrony Bank regarding Lowes 's credit card to dispute 30 days late being reported on my credit file. The online representative typed she could not do anything and I told her that I would be contacting the CFPB and she told me that she would note the account. I did not pay the account 30 days past due.
Consumer complaint received 2020-02-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

XXXX XXXX  hits me with Overdraft fees, eventhough I have sufficient funds in my account. 
They show a transfer a funds from my Savings to cover pending transactions. But then money is in my checking. XXXX is fraudulently hitting me me with Overdraft fees
Consumer complaint received 2020-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: LEXISNEXIS (CA)

The following payments were never recieved. I am the policy holder and owner. 


Claim # XXXX {$2000.00} Claim # XXXX {$3400.00} Claim # XXXX {$14000.00} Compensation Damages should be awarded.
Consumer complaint received 2020-02-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

Santander Bank acknowledged wrongdoings on the accounting of my mortgage account due to recent complaint made in XX/XX/2019. They agreed that it was an error and their accounting of fees and I would not be subject to paying any additional amounts. However, they have billed me and demanded that I pay late fees totaling {$130.00}. Their on line payment option would not only tendered payments without accounting for this additional expense. I am not sure why they continue to defraud and deceive me but they assured me in writing and by telephone that I didnt owe any additional charges and to redeem only the monthly mortgage payment amount. I modified this loan to avoid foreclosure back in XX/XX/2019 and completed this process to include notarizing new loan terms and have attempted to comply either contract terms despite them delaying the process and filing the new contract with my local clerks office and accepting tendered payments. Please help me!!!!
Consumer complaint received 2021-04-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. Auto Credit Corporation (VA)

I am writing concerning my wife and I auto loan with US Auto Credit. Since XX/XX/XXXX, my wife and I have been with this company and financed two auto loans with them. One of the vehicles was paid off early in XX/XX/XXXX timeframe which they gouge us for extra money. Which they pretty much charged us full interest as if it was not paid in full two years early. Secondly, since we have been with this company all our payments have been made on time and no missed payments. The issue that my wife and I have is they constantly harass us over a car payment every single month. With excellent payment history as being reported by our three credit bureaus report. Why are they harassing us monthly over payments? 

Furthermore, on XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX they called my contact number of XXXX. I told the person that I spoke to who asked XXXX questions to verify my identity of XXXX XXXX XXXX XXXX that you get your payment every month and stop calling or harassing. Which I also asked what my total balance is. They said it is {$1500.00} I told them when the final payment is made. I will harass or call them every day until I get my title to the vehicle. So, they can see how ridiculous it is to do something like this. Lastly, I have provided proof of payment made on XX/XX/XXXX for {$300.00} along with a receipt acknowledging the payment. On XX/XX/XXXX at XXXX they sent an email listed as XXXX XXXX payment is due. 


Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing incorrect information on my credit reports since XX/XX/2020. I have been disputing continuously with all three bureaus on multiple occasions. I still have not received a response from them most of the time, this is unacceptable! XXXX, TransUnion and XXXX  need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.
Consumer complaint received 2021-02-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (AZ)

I've contacted them on their website multiple times in the past month. I do not owe any debt except for my mortgage. They need to stop calling me. They have been calling the past 6 or months ; it's ridiculous. 

XXXX XXXX XXXX Harris and Harris of XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX, Illinois XXXX
Consumer complaint received 2020-02-20
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: Experian Information Solutions Inc. (CA)

Incorrect account in collections. Date Experian was notified : XX/XX/XXXX. Date Experian allegedly validated debt XX/XX/XXXX. Submitted re investigation request XX/XX/XXXX. Experian claims valid debt XX/XX/XXXX. On XX/XX/XXXX I investigated the matter myself by speaking with the company in which I had the supposed debt with. Company unable to validate debt. Experian violates the provisions under the FDCPA and FCRA.
Consumer complaint received 2022-12-15
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

I purchased an item from this girl named XXXX XXXX XXXX maiden name XXXX XXXX XXXX on XX/XX/2021 for a total of {$210.00} on a XXXX group. She said she would send out the item soon and gave me this tracking number XXXX XXXX XXXX XXXX XXXX After a few days of the tracking not updating, I messaged her and she said she'll drop it off soon. After more days passed, I contacted XXXX and they said she never dropped off her package. I messaged her again asking for a receipt that she dropped it off and she said she'll get back to me and then stopped replying to me and ignored my messages. 

Because I paid with XXXX Friends and Family through a checking account, both XXXX and my bank Wells Fargo won't refund me the money. Wells Fargo said to get in contact with her for the item but she's not responding to my messages and still hasn't sent the item.
Consumer complaint received 2020-02-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: WELLS FARGO & COMPANY (PA)

I purchased the down payment of my XXXX XXXX XXXX phone with my Wellsfargo Platinum Debit card to start my wireless plan with XXXX ( 1XX/XX/20 ). Unfortunately, on the 27th day of use ( XX/XX/20 ) the screen cracked. I went to go two physical XXXX stores to see if I can have it replaced since they informed me that I had 30 days to replace the phone if there was anything wrong with it but they would not accept it. Then, I called XXXX to see if the phone comes with a manufacturer warranty but they voided my warranty by claiming that my cracked screen was an " accidental cause. '' So instead they referred me to one of their partners to fix the phone at a " discounted price. '' The discount isn't much of a difference. It is only about a $ 4- {$5.00} dollar difference. Then I checked the terms and conditionals online for a Visa Platinum debit card since that is supposedly what my card is and what is advertised on the Wells Fargo website including on the front of my card. According to Visa, a platinum debit card has purchase protection and my phone would apply. So I contacted Visa and they checked card number. VIsa informed me that my card does not come with purchase protection. They even checked years prior to see if it is something that Wellsfargo cards used to have but had it previously removed without informing their customers. It never had purchase protection, although the card and website advertises as a platinum debit. Then, I had Visa check another Visa that I have with a different bank and that one does have purchase protection. Then I called Wells Fargo to explain my issue with their false advertisement. They didn't really know what to do so they put in a ticket to investigate and contact XXXX to see if they can give me my money back. However, I only have until XX/XX/20 to fix this issue so that I can replace my phone. I don't trust this product anymore since it cracked so easily with just one drop.