davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-26
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. (MD)

We had phone service since XXXX and were never late with a payment. Around XX/XX/XXXX our service stopped working. We called XXXX and told them we didn't have service but instead of fixing service we want to cancel. The next month we received a bill for service we did not have. We called again and were unable to get the issue resolved. The following month another bill arrived for service we did not have. After several months we finally got the point across but XXXX insisted we pay for all the back months for service we reported as non-operational. We said no, explained why so the bill ( {$110.00} ) went to a collection agency. When the agency called we agreed to pay for 1 month sent a check and the matter was closed. Experian only had XXXX and XXXX on our credit report so it looks like we got servc ie and NEVER paid a single bill. We had phone service since XXXX, paid every bill ON TIME until the dispute. Experian only showed our XXXX account XXXX - XXXX when we had the dispute.
Consumer complaint received 2021-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (VA)

I had an Aspire credit card and when I went to pay the bill I noticed they were charging me a fee of {$39.00} to renew my card on top of the {$8.00} per month service charge. 

When I called them I informed that their fee was to high and I would not be renewing my account with them and I asked them to remove the fee. This is before the renewal date and before my bill was do. 

They informed me they would not remove the fee and I was just out of luck.
Consumer complaint received 2022-03-26
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. (NC)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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 2021-12-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

Got scammed into a crypto fraud scheme. There were a total of XXXX transfers. Starting XX/XX/XXXX XXXX there four {$1000.00} dollar transfers out of our checking account by debit to XXXX XXXX On XX/XX/XXXX there was {$10000.00} withdraw by debit. The rest of these were by domestic wire transfer. XXXX {$29000.00} each. XXXX {$55000.00}, XX/XX/XXXX {$71000.00} and XX/XX/XXXX {$20000.00}. when this was taking place I was getting threatened with money laundering charges. XXXX sent me an affidavit showing money I would receive. When it was paid i was told it would cost another $ XXXX. even though I knew something wasn't right, I knew then I messed up. they threw out names like XXXX XXXX, head of the XXXX and XXXX XXXX XXXX, head of the FBI. We were scared. threats like that and toward my family. I didn't know what else to do. XXXX XXXX was the primary contact. XXXX XXXX was involved as well. I thought they were all legit. I cleaned out my savings and retirement. Please help us. Thank you
Consumer complaint received 2023-10-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

I opened a Secure Bank account with Chase in XXXX I graduated to a Total Checking and my account was closed with no explanation. Ive tried to reopen a new account and have been told that I can no longer bank with Chase with no reason given.
Consumer complaint received 2021-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I keep getting calls from someone saying that my Visa card or XXXX card issued by bank of america was used to purchase {$880.00} worth of stuff on XXXX. 

They mention any financial company. In this particular call they mentioned bank of america and XXXX. When I called them on their scam they hung up on me and then texted from a different number. In the text they mentioned Visa. 

Numbers usually comes from : XXXX XXXX XXXX Date : Thursday, XX/XX/2021 Call time : XXXX Text time : XXXX I think they are trying to get me to give up private information in order to steal my identity. They keep calling.
Consumer complaint received 2021-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (NJ)

I opened XXXX XXXX XXXX XXXX Credit card account ( XXXX XXXX XXXX XXXX ) in XX/XX/XXXX with a promise of 18 month interest free account. I had an opening credit balance of {$9700.00} with a purchase. 

XX/XX/XXXX - {$38.00} late fee XX/XX/XXXX - {$38.00} late fee XX/XX/XXXX - {$1.00} Minimum interest charge I can only see 12 months of history due limited website functionality there is another {$28.00} as dispute charge. 

I have called their customer service, firstly they can not access my information from their side, as they can see only 6 months of account history, secondly since they can not see these charges they can not help me, gets frustrated and disconnects the phone. I have paid all my payments every month, despite of this Wells fargo has accumulated the late fees charge as {$100.00}. This is poor processing and backend issues on the banking and payments side which I can not do anything about. Despite complaining, this is going to deaf ears and I have no forum where I can report this misappropriation of system issues to consumer. This is very unprofessional of Wells Fargo.
Consumer complaint received 2023-10-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I looked at my credit report and saw this company claiming that I owe them a debt. I contacted through their website, requesting documentation that said I agreed to pay them anything, and proof of them being the Original Creditor. Over 60 days have passed and I have not been contacted by anyone nor have I received any Document that I requested. I also asked that they removed their information from my credit report immediately. Also they have incorrect information about my home address. 

LVNV FUNDING LLC Reported on my credit report that I owed them XXXX XXXX Balance updated XXXX XXXX XXXX 
Contact info Name : LVNV FUNDING LLC XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (IN)

my previous mortgage servicer ( XXXX XXXX ) sold our loans to SPS ( Select Portfolio Servicing ) starting XX/XX/XXXX ( EHIBIT A ) on XX/XX/XXXX I forward SPS my information to start auto withdrawing my payments come XX/XX/XXXX. So around mid XX/XX/XXXX I noticed no withdraw from SPS had take place. So I called SPS and a representative informed me that my mortgage was PAID IN FULL. I verified my information with the representative and she confirmed it and said yes PAID IN FULL. I waited and called back a few weeks later and that representative said the same thing PAID IN FULL and that I would be getting my escrow of XXXX in the mail and all the necessary paperwork showing paid off. I received the escrow check, a statement showing that my informaiton was paid off, my county tax provided sent me my tax statement showing that I would be paying my own taxes, my insurance provider sent me my notice saying that the insurance would be transferred in my name and I would assume payments in full. So then on XX/XX/XXXX I received a notice stating something about a payment reversal ( EXHIBIT B-1 ), then XX/XX/XXXX they sent another statement stating A NOTICE OF DEFAULT that I was gravely behind and delinquent in my mortgage payments ( EXHIBIT C1 ), the the SAME DAY XX/XX/XXXX they sent a statement saying that you are in FORECLOSURE due to being gravely in default on your mortgage payments and I am that my case is being sent to a forclosure attorney. After receiving ALL ( 3 ) notices the same day on XX/XX/XXXX I called SPS and the person on the other end said that my case has been referred to a forclosure attorney. I am TOTALLY APPAULLED on how SPS is trying to QUICKLY cover up their error and not even try to call apologize and work with me but try to take my home from me. This can ; t be acceptable and ethical or legal behavior in the United States because of an error of their that they are trying to fille unethical paper work to assume my home from under me without trying to correct the error or eating up the cost of their error. I need something to take place IMMEDIATELY because this company should not be able to do this, there have to be something done about this before they are allowed to go any further with this unethical behavior.
Consumer complaint received 2021-12-09
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Company responded by stating amount owed, but has not provided information stating it belongs to me. Anyone can send a bill stating you owe such amount. No proof or signature was shown stating this account was opened by me. 

On XX/XX/2017 XXXX XXXX  has reported on my account, collection agency PORTFOLIO RECOVERY added a derogatory remark on my credit report.This account was not opened by me. Upon, further research, this account was transferred/sold and I was not provided with any documentation of proof that I am responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, PORTFOLIO RECOVERY violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2021-04-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

Disputed and send police report and FTC complaint to the following companies they refuse to remove the invalid information I have filed an identity theft report on : Fair Collections and Outsourcing {$5400.00}
Consumer complaint received 2021-12-09
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. (MD)

in XXXX of XXXX i disputed a bankruptcy that experian is reporting to my credit report which is inaccurate they responded with a letter of a credit report and all of my addresses they claimed i lived at .I then sent another letter in XX/XX/XXXX telling them i didn't want a credit report i wanted the verification method of how this account was verified and validated i sent them a certified letter that by law has to be responded back to within 15 days they sent again the same info stated this info was validated and is was verified through the credit grantor and or three party agencies. Over the last year or so i have determined this information is also incorrect, on XX/XX/XXXX i sent them another certified letter stating this is my last time before i take legal action regarding info that is not correct on my credit report. they blocked the information to be seen on online and gave me the answer as if they will not reveal how it was verified and they will no longer be addressing this case. the credit grantor or public record list MD court located at XXXX XXXX XXXX XXXX in XXXX MD. after going to them directly they have sent a letter to me by law that they do not verified or associate with credit bureaus and that this information is not accurate. i also contacted third party agency that collect consumer reports such as XXXX XXXX XXXX XXXX XXXX  non of which has any info regarding info that is related to me over the last year,. 
according to the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). The credit bureau must give you the method of verification information within 15 days of your request. which they have broken the law over the last 3 years after i have sent them proof that the method that claim they use was not true as i went to them directly. i have sent them copies of such. i keep getting conflicted stories about the verification and its validation Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable re investigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. they told me that it will not re investigate as it has been verified my next step is to sue. this information is making me pay thousand of more interest every year and rendering me from buying a home. This information needs to be deleted within 30 days if it can not be verified with a creditable source.
Consumer complaint received 2024-05-30
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (SD)

I received XXXX {$100.00} prepaid gift cards that my uncle purchased in XXXX, Michigan for me and my daughters ( his grand nieces ). I believe we received them for their birthdays last year ( XX/XX/XXXX ) or possibly the year before. They have been sitting around unused, but I decided to try to add them to a XXXX account so that we could use up the funds. I attempted today ( XX/XX/XXXX ), to register the XXXX cards, however the website on the back of the cards ( XXXX ) gives errors when I enter the card information. They have a link " Card not working? '' which leads to a different form to enter more information about the cards, as well as my contact information. I attempted to do this, but an error appears when submitting, stating to call the number on the back of the card ( XXXX ). I then called the number, which asked me to enter the XXXX digit card number and the XXXX digit security code, which then said " sorry, we can not verify '' and repeating asking for the same information. There is no other contact information on the website and the phone number did not seem to have any other way to talk to a person instead of the robot. The cards have an expiration date of XX/XX/XXXX, and state that there's no inactivity fees and that funds do not expire until the expiration date, so I'm somewhat upset that {$300.00} seems to be stuck in limbo as I can not access the giftcards.
Consumer complaint received 2023-08-11
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. (NY)

I filed an identity theft report at the beginning of the summer and received NO relief from this submission. I am not satisfied with this process. It is mentioned that my complaint should be resolved in 4 days. I want these items completely erased from my profile. There was no authorization on my behalf to use or distribute this information, let alone these entries are inaccurate.
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hi, this is XXXX XXXX, XXXX # XXXX. I sent you a letter on XX/XX/2021 and I was told that I was supposed to get an answer from you but to this date, over 30 days have passed, but I still havent heard back from you. Someone told me to go to this website to follow up attaching the copy of the very same letter I sent you. I heard that it is a violation to ignore a dispute letter so I hope you wont delay this matter any further. I need this inaccurate and misleading information cleared off. I am fully aware of what I have on my report and what I should not have and the information I listed on my report are all mistakes, My information was also affected by the XXXX data breach so please investigate this matter immediately!
Consumer complaint received 2022-12-06
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: EQUIFAX, INC. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

All three credit bureaus and XXXX XXXX are reporting the balance at least {$1000.00} HIGHER than what is showed, PLUS it being OVER the limit. 

So far, XXXX and Equifax have maliciously and fraudulently ignoted my attempt to correct it. 

This is effecting BOTH XXXX XXXX and XXXX XXXX credit reports and scores. This is exceptionally bad due to the fact that we are immediately attempting to purchase a house. PLEASE urgently force them to fix this massive problem.
Consumer complaint received 2021-12-09
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: TD BANK US HOLDING COMPANY (NY)

On my credit report is shows i tried to open a credit card with the store names XXXX on XXXX XXXX 2021. I did not open any credit cards with any store. I would like it remove from My credit report
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am XXXX XXXX and I'm submitting this complaint myself and there is NO THIRD PARTY INVOLVED. 

I, XXXX XXXX, consumer and natural person, submitted a dispute to EQUIFAX and they stated that they've " verified '' that the items I disputed are being " reported correctly ''. They have NOT provided me a copy of ANY original documentation that they have on file that is required under Section 609 & 611 ( a ) ( 1 ) ( A ) - ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " ... promptly DELETE all information which CAN NOT be verified. ''
Consumer complaint received 2022-03-26
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. (NC)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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 2021-12-09
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Lending Club Corp (CA)

I tried to open a high yield savings account advertising .60 % interest. Confirmed via phone call that account could be used for a partnership. Filled out forms and provided ACH transfer details to fund account with {$100.00} which was transferred from my bank account to LendingClub Bank. After the {$100.00} was received by LendingClub Bank they informed me that partnerships could not use a high yield account and that instead they had opened a basic savings account paying .01 % intertest. I requested they close the account and return the {$100.00}. They closed the account but have refused to refund my deposit.
Consumer complaint received 2021-04-16
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. (NY)

XXXX XXXX XXXX has filed federal lawsuits on behalf of several consumers who have been unable to correct credit reporting entries that were either erroneous or the result of identity theft. 
The accounts listed below were open due to Fraud and you company has been doing improper investigation on the consumer behalf. 

Please understand as well that under the FCRA any " furnisher of information '' must put the account rating on hold while the debt, is being investigated and remove all negative remarks added to my credit report. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you by me. 

I expect to receive proof requested above, within 10 days from the date of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company, business or bank for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may seek damages from you if warranted. 

These include : Not notifying me of investigation status not, Not correcting Fraudulent info, and reporting fraudulent information on credit reports. 
REMOVE ALL ACCOUNTS LISTED BELOW IMMEDIATELY. 

XXXX XXXX XXXXXXXX XXXXClosed Closed on XXXX XXXX, XXXX XXXXClosed Closed on XX/XX/XXXX XXXX XXXX XXXXClosed Closed on XX/XX/XXXX XXXX XXXX XXXXClosed Closed on XX/XX/XXXX XXXXClosed Closed on XX/XX/XXXX XXXX
Consumer complaint received 2023-06-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

In XXXX  my sister opened a XXXX XXXX XXXX  credit card with my social security number and now they are trying to garnish my wages. On the court docket it has her old address. I never lived there. Its a total of {$840.00}. I reported fraud on XXXX  XXXX & that I never lived at that address.