davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

I have contacted Wakefield & Associates in XXXX and XXXX of XXXX. This company placed an invalid debt on my credit report reflecting the year XXXX. I explained to a representative at Wakefield on XX/XX/XXXX, that I do not owe any amount to XXXX XXXX XXXX as of XX/XX/XXXX. After speaking with a representative from XXXX XXXX XXXX, they sent an email to me with in a protected message, along with a statement showing a XXXX balance. I also filed a dispute through XXXX. Wakefield & Associates refuses to remove this invalid debt. The money is not owed which has been verified by XXXX XXXX XXXX. At this time, I am being harassed by Wakefield & Associates. After I filed my dispute with XXXX and uploaded the documentation, I was notified by XXXX that Wakefield & Associates provided a verification letter that the account is accurate. The verification by Wakefield is blatantly false. When I have called Wakefield, the representatives are inappropriate on the phone by saying to me, " it's not my problem your problem. '' This statement is evidence that Wakefield has no intentions of removing this account and the invalid debt out of their office. I believe the company is also engaging in deceptive business practices by scamming Medicare and Medicaid beneficiaries, in which I have both benefits for my healthcare needs. Please assist me with this matter and inform Wakefield & Associates of the invalid debt, and inaccurate and unfair debt reporting to credit bureaus.
Consumer complaint received 2022-03-20
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AR)

I have been disputing these same accounts for XXXX years. I can look at the credit report and see the errors and incorrect information. I will upload all the exhibits here. This company stated that the accounts in question has been verified. I don't believe the accounts were ever verified because if it was they would have seen all of the errors and inaccurate information, the same way I did. This is defamation of character and willful neglect. The damages and stress this company has caused is completely unfair.
Consumer complaint received 2022-03-20
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY (MS)

Target closed my account on XX/XX/XXXX. I mailed 2 letters demanding they validate the alleged debt they present to the CRAs. They denied me my federal right. They removed the tradeline from the CRAs on or about XX/XX/XXXX. They violated 15 USC 1692e by falsely and deceptively, misleading the credit reporting agencies, through reports that I owed on an alleged debt.
Consumer complaint received 2022-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (UT)

On XX/XX/XXXX Chase Bank printed and sent a letter to me, threatening to close my account because of a negative balance. I sent a message to Chase Bank on XX/XX/XXXX regarding those account errors, things I am aware of, and changes I'd like to be made. They addressed a small portion of my letter on XX/XX/XXXX, but disregarded the rest of my letter which was very important. They chose to ignore my request as the consumer, and incur more damages as the days go on, as I don't have my desired results. I exercised my right of rescission pursuant to 15 USC 1635 to increase the credit limit for my open end credit plan. Chase Bank and employee 's have broken Federal Law and they are to be held liable. Pursuant to 15 USC 1640 ( a ) ( 1 ) and 15 USC 1640 ( a ) ( i ) they are liable for any actual damages, and double the finance charge of this consumer credit transaction. I would like Chase Bank to send over my file ( 15 USC 1681a ( g ) ) and/or any and all documentary evidence ( 15 USC 44 ) you have on this account, including the finance charge/sum of all charges 15 USC 1605 ( a ), public, private, verified and unverified, through paper mail.
Consumer complaint received 2019-08-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (IL)

Flagstar Bank XXXX XXXX XXXX XXXX XXXX Michigan XXXX took over our FHA Loan. We were sent a 30 day notice that our mortgage increased to about {$700.00} above what we had been paying since our purchase in 2015.
Consumer complaint received 2024-06-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio (CA)

I checked my credit report and a collection reported, I contacted Vance and Huffman and advised them that they where required by law to send me written correspondence after 5 days of initial contact before the collect on debt, giving me chance to dispute it.They refused to provide information.Whe just kept talking over each other.
Consumer complaint received 2022-10-27
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Transunion had completed nothing to correct my Credit Report and eliminate the Fraudulent Information totally from my Credit File. I have been sending uncountable letters appealing to Transunion to confirm the disputed items and take out them if unable to show that the Items are mine. I have been a victim of Identity Theft and the accounts I am disputing do not narrate to any business that I have made or approved. Neither did I obtain any ownership of goods, money, services, nor profits from the Theft of my Identity. I have read that Transunion is guaranteed to fulfill the FCRA regulation section 605b but regardless of all my labors to notify Transunion about the theft of my Individuality and that the items were never mine, Transunion never feel a concern nor paid any care to my Disputes. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, XXXX, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) I need the following items removed now! 


XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/20XXXX XXXX XXXX Inquiry Date XX/XX/20XXXX XXXX
Consumer complaint received 2022-03-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

XX/XX/21 - Received a call from Wells Fargo Bank ( WFB ) The telephone number that showed up on the telephone was the same number that is on the back of the WFB Visa/Debit Card . Caller said someone had gotten into our checking account and was transferring money via XXXX. They said that we were to access account from our computer and follow certain instructions they were giving. including changing our password. Once that was done, " XXXX '' money transfers began. Three immediate transfers of {$700.00}, {$1000.00} and {$1800.00}. When the transfers started, we called WFB from a different phone and explained what was happening. The transfers stopped and our account was closed. 

We then spent at least two ( 2 ) hours on the phone with WFB talking with different individuals ( fraud department? ). We were ultimately instructed to file a claim with the WFB Fraud division, which we did. We had many ( at least 20 ) following discussions with WFB on the phone and in our local Branch. Ultimately WFB denied our claim and refused to tell us where and/or to whom the money was transferred. Instead, WFB told us that in order to find out where and to whom the money was transferred, we would have to file a claim with the local Police and/or the FBI. We tried calling XXXX for more information, but they would not discuss the matter and instead directed us to have any and all conversations with WFB, We ultimately were directed to the " Executive Division '' of the WFB Fraud Department ; and after about a month of discussions, we got nowhere except receipt of another letter of rejection.

We understand that WFB owns XXXX ; and, we further presume that a WFB employee may have been making this fraudulent transfer. We have been regularly banking with WFB for more than 60 years, and would like to get back our stolen {$3500.00}.
Consumer complaint received 2022-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: KEYCORP (NY)

KEY BANK IS REPORTING THAT THIS ACCOUNT HAS CHECKING ACCOUNT FRAUD WITH NO PROOF IN XXXX XXXX XXXX. 

FINANCIAL INSTITUTION : KEY BANK ABA NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MN)

I went to a dealership was told credit would be pulled once and it was pulled 3 times. 
There is also an Inquiry form XXXX XXXX  that isnt recognized. thanks
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (TX)

It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.
Consumer complaint received 2017-08-17
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)

Over the past 4 months I have made several disputes with Trans Union regarding an fraudulent account being reported on my Trans Union Credit report. In my written and online request I asked that Transunion please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX XXXX XXXX XXXX for {$3200.00} .Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have gotten anything from Transunion proving the account is mine. There is no possible way that this account belongs to me.PLEASE HELP
Consumer complaint received 2022-03-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (KS)

I notified FedLoan Servicing at the beginning of the administrative forbearance NOT to apply the forbearance to any of my loans. They ignored my request and applied it anyway. I was on an IBR plan with low payments and working towards the 20 year forgiveness mark. I requested several times that the administrative forbearance be removed from all of my loans. They eventually removed it from one of the loans, but not the other two. I made several more requests until they finally removed the administrative forbearance from the other two loans. This failure to do as requested has damaged my progress on the IBR plan and forgiveness date by nearly a year. I began making the requests in XX/XX/XXXX ; FedLoan Servicing did not honor my multiple requests until XX/XX/XXXX.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 2023-04-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (PA)

XX/XX/2023 I disputed this with XXXX  requesting certain documents after 30 days waiting for the documents requested and under 15 US code 1692G they failed to provide me the documents I requested, but simply validated the information without providing me proper documentation
Consumer complaint received 2019-08-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (CA)

I made payments over the phone that BMW attempted to debit from the wrong checking account. I have called and spoken with phone reps who told me even though they made a typo that it is my responsibility to make my payment. I made my payment and they made an error.
Consumer complaint received 2022-03-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates (MS)

Debt appeared on my credit report on XX/XX/2022, in the amount of {$1400.00} and I was not notified to dispute NOR do I have any knowledge of this debt.
Consumer complaint received 2022-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

XXXX XXXX, 2022 - A deposit was made to our Fifth Third checking account after XXXX and amount was debited the amount from an account with another bank that evening. At the deposit was made, we were not provided any notice from Fifth Third that the funds would be made available for 10 business days. Being a small business, we have limited funds and Fifth Third place us in bind by sitting on our funds for nearly two weeks. The only response they provided was that it is their policy, which was not disclosed at the time the deposit was made. Account disclosures were requested but not provided. 

XXXX XXXX, 2022 - An attempt was made to wire money to our Fifth Third checking account from an account with XXXX XXXX XXXX All of the information provided by XXXX XXXX XXXX indicated that the wire was remitted and rejected by Fifth Third. Since these funds needed 1-2 days to clear back to the XXXX XXXX XXXXXXXX account and Fifth Third was holding the XXXX XXXX deposit, our small business was forced to suspend payroll and delay vendor payments. Fifth Third indicated it had no record of the wire being rejected. We made three attempts to get clarity from Fifth Third and provided no information. 

XXXX XXXX, 2022 - We made another deposit to our Fifth Third checking account in order to pay employees and vendors. Once again, Fifth Third would not release the funds for 10 business days despite immediately debiting the other account that very same day. Unfortunately, we found this was more efficient than transitioning banks. 

XXXX XXXX, 2022 - In response to a phone call from the Fifth Third complaint department, an email was sent to this representative detailing the matters above and additional issues that arose including excessive service charges with no details on the basis of these amounts and no response from our relationship manager. 

XX/XX/2022- Fifth Third had not provided any response and another email was sent in an attempt to garner some update. As it stands, these experiences have consumed numerous hours, resulted in employees having to make arrangement to delay bill payments, cost us various fees and been an emotional burden. Through this all, Fifth Third has done nothing to rectify these matters.
Consumer complaint received 2022-03-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jon Barry and Associates, Inc. (MS)

Erroneous Debts Reported : Paragon Revenue Group {$280.00} Reported XX/XX/2022 Paragon Revenue Group {$960.00} Reported XX/XX/2022 Paragon Revenue Group {$670.00} Reported XX/XX/2022 Paragon Revenue Group {$600.00} Reported XX/XX/2022 Paragon Revenue Group {$640.00} Reported XX/XX/2022 Paragon Revenue Group {$920.00} Reported XX/XX/2022 XXXX
Consumer complaint received 2019-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

On XX/XX/XXXX I received a letter stating I was to receive a refund if my escrow account of {$2400.00}. I have always made my payment within the month due. If you pay your payment on a weekend, 5/3 Bank does not recognize it until their next business day, so the date you actually make your payment is NOT correct! Fraudulent! They state on invoices I am behind on my payment which I am NOT and therefore refuse to give me my escrow refund of {$2400.00}! 
I want my money immediately. Their customer service is like talking to a brick wall. No help at all. They state per my statement I owe {$6300.00} and I only owe My XXXX payment of {$2700.00}!
Consumer complaint received 2022-08-30
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. (MN)

I went to a dealership was told credit would be pulled once and it was pulled 3 times. 
There is also an Inquiry form XXXX XXXX  that isnt recognized. thanks
Consumer complaint received 2023-06-14
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: EQUIFAX, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-20
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: CLGF Holdco 1, LLC (NV)

Called my credit card in stolen during after a home invasion/burglary and grand theft auto that happened to me on the XXXX of XXXX its on record but the card was used on the XXXX, and XXXX for approximately {$230.00} the fraud department favored it wasnt fraud Ive offered them the police report the number to the detectives that were in charge of the case they still ignored me and the fact that the card was reported stolen on the XXXX of XXXX approximately 2.5 hours after the home invasion they keep ignoring that fact. There reason is the purchases were done on the same day as the home invasion happened. Ok I can agree with that but that doesnt mean that I did those charges nor did I authorize someone to. The fact that it took me 2.5 hours after the robbery to call the card in stolen which was due to the shock I experienced, answering police questions and locating my vehicle that was stolen thru gps should be taken into consideration that it took me the 2.5 hours to call it in stolen and Irregardless it was fraud
Consumer complaint received 2022-03-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (MO)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME '' COMENITY CAPITAL # XXXX OPENED : XX/XX/19 XXXX. XXXX XXXX # XXXX OPENED:XXXX XXXX. XXXX
Consumer complaint received 2022-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (WA)

Over the past month, Equifax has locked me out of my account 5+ times. This has been a huge discrepancy in me being able to access my report and view my score. Every time this occurs, there appears a screen that prompts me to have to CALL into Equifax, which takes another 30 minutes out of my day. This has been a huge inconvenience to my day, my ability to operate in commerce and the reasonable means of accessing my report.
Consumer complaint received 2019-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CO)

Credit Collection Services was asked to validate the said debt in the amount of {$330.00} which they are currently reporting on my credit report. Each time they sent me papers that only is a statement of account. They have yet to send me any actual proof with my signature on it tying my to the debt. Under the New UCC Laws and, because of the previous XXXX XXXX Scheme debt collectors must provide original contract of debt. In which this company has not and fail to do so. I've asked them for the past two years and they continue to report this information. My next step is court. They had had over 45 days to comply this information needs to be removed immediately along with the constant hard credit inquiry pulls they have been making on my credit report.
Consumer complaint received 2022-08-30
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. (PA)

XXXX accordance with the Fair Credit Reporting Act XXXX XXXX : XXXX violated my rights. 

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

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court or competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt