davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

Hello this is XXXX XXXX contacting about a fraud claim that the bank of Wells Fargo has taken no corrective action on or the necessary steps to investigate and remove the debt from my account. I gave them all the information for their investigation and also was the first to notify them about the fraudulent activity. They would have never known to freeze the account if not for me and it was clearly not authorized as the only checks I deposit are my business direct deposits. It has been an ongoing battle with them and I heard the consumer gov finance organization is who I should go to trust when banks arent addressing this stuff properly Ive been very stressed about this whole odreal. Thank you so much and I appreciate it if you guys got back to me my email is XXXX XXXX
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: E-Backgroundchecks.com, Inc. (UT)

I sent an email to XXXX asking to execute my rights under the FCRA and Utah Privacy law to understand what data they have on me. Their process was to email me back from noreply@hireright.com asking me to submit photo copies of my license and passport as well as give them my entire SSN. I understand validating who I am by asking for information and maybe a bill or statement that shows my current address, but they want me to give them the most sensitive information on me in order to see if they have information on me? Their process is deceptive and unacceptable. This puts consumers at additional risk.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 

Last XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Consumer complaint received 2022-04-13
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: Maximus Federal Services, Inc. (FL)

FRCA Violation student loans DEPT OF ED/AIDVANTAGE DEPT OF ED/AIDVANTAGE DEPT OF ED/AIDVANTAGE DEPT OF ED/AIDVANTAGE FRCA Violation collection XXXX  XXXX  FRCA Violation inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX
Consumer complaint received 2022-04-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (IL)

I applied for loan in the amount of {$250.00} through affirm company on XX/XX/22. I purchased 3 items from XXXX  online to be delivered to store XXXX XXXX  XXXX XXXX XXXX Illinois XXXX XXXX I was notified by email to pick up items on XX/XX/22 upon arriving to store I was told 2 items were not delivered because XXXX XXXX  delivered 2 items to wrong address. I stated since they failed to deliver I wanted a refund. XXXX submitted refund. I submit all documents to affirm company in a timely manner about the problem with footlocker. On XX/XX/22 they stated I still owe {$250.00} even if I didnt receive items. The virtual card owned by affirm that was used was ending in # XXXX but on the XXXX  receipt the virtual card owned by affirm was ending in # XXXX. Loan ID XXXX
Consumer complaint received 2023-08-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Creditors Bureau Associates (TN)

I had a doctors visit on XXXX XXXX with XXXX XXXXXXXX XXXX at the XXXX XXXX. I was billed {$130.00} for the visit. My health plan Explanation of benefits shows a diss allowed amount of {$20.00}. My ( patient health plan member responsibility ) was {$110.00}. The bill was sent to collections. Creditors Bureau Associates sent a collections letter. I had a phone conversation and emailed XXXX XXXX on XX/XX/XXXX at CBA that my E.O.B. Says that I only owed {$110.00}. I emailed XXXX XXXX the E.O.B. as she requested. My attorney advised me not to pay it until after the settlement. XX/XX/XXXX I made the full payment of {$110.00} to the collection company CBA above. They continue to this charge on my credit report, and Ive disputed it several times with this company. My doctors office called me today XX/XX/XXXX and said I cant be seen until I pay the collection company Creditors Bureau Associates {$20.00} that I dont owe them. I called the collection company today XX/XX/XXXX @ XXXXXXXX XXXX. and I spoke to XXXX XXXX. XXXX asked me why do I think I dont have to pay the {$20.00}. I told XXXX because I dont owe {$20.00}. Why havent you proved the validity of the debt. XXXX asked me why did I send in a copy of my Explanation of Benefits. I said because its proof that I dont owe you {$20.00}. XXXX said he could no longer talk to me because I disputed the debt. He even read to me the {$110.00} was paid. No I can NOT see the doctor with a PIN code from this collection agency saying the debt has been satisfied. I DONT OWE THE DEBT. XXXX was rude, and refused to correct the issue. Just an arrogant I cant help you. I dont have anything else to say to you, XXXX XXXX.
Consumer complaint received 2021-08-26
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. (GA)

On XXXX I noticed I had a few negative accounts reporting to my consumer credit report that I did not recognize so I called XXXX, Experian, and XXXX to have them removed. They all informed me that I needed to file a FTC report and mail it to them. I decided I should send dispute letters instead to validate the debt in hopes it would be deleted with no issues. Unfortunately that was harder than expected, all 3 credit reporting agencies did not remove these items from my validation letter efforts. Discouraged I called all 3 agencies again to see what I could do, thy instructed me to again file FTC ID Theft reports. So between XXXX I filed FTC ID Theft reports for the accounts I did not recognize ; FTC Report Number XXXX XXXX XXXX, FTC Report Number XXXX XXXX, FTC Report Number XXXX XXXX, FTC Report Number XXXX XXXX, FTC Report Number XXXX XXXX, FTC Report Number XXXX XXXX, FTC Report Number XXXX XXXX. I called all Credit Reporting Agencies again after filing and they instructed me to mail the report to them, I emphasized that I did not feel comfortable mailing sensitive information especially with my information already being compromised yet they said nothing could be done over the phone.
Consumer complaint received 2019-07-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (NJ)

Santander bank says there is a ten day grace period on auto loan payments but there charging me interest for every day I was late before the ten day grace period which was not stated anywhere clear in there contracts I called twice and they say this is a simple interest contract and will not refund the amount which the say is XXXX per day on top of the 22 percent they charge on the loan
Consumer complaint received 2022-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

An Alaska XXXX/Bank of America credit card was opened in my name. I received texts from BofA asking if I authorized a purchase but I thought it was a phishing ploy. I received a call from BofA asking me to pay on my account, which was the first awareness that a card was opened with my credentialsSSN, Address, Phone, etc. 
I explained to BofA that the account was not opened by me. They closed the acct and told me to freeze my credit with the three reporting agencies, which I have donenot easily, Ill add. quivax couldnt get my address correct when I had just put it into their system. The confirmation letter of my account freeze came up with another address for me. 

Wha bothers me is the fact that the reporting companies want people to pay a monthly fee for reporting information. It seems like a conflict of interest to me.
Consumer complaint received 2022-04-13
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (TX)

U.s. bank reversed all or most of my charges to companies i made payments to. My car was repossed and other services were shut off including my cell service. At this point its in the thousands of dollars they are supposed to refund me. My car has been now sold at auction by the finance company. Im out of my car and all the payments i made for it over these years because of the mistakes. Not to mention all services being shut off on me. U.s. bank gov. Unemployment benefits over XXXX dollars
Consumer complaint received 2019-07-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc (NC)

I sent a validation letter to Bullcity financial solutions on XX/XX/XXXX to get validation and verification of this debt reporting on my credit report. I have no known knowledge of this company and realize this is a third party collection agency. The original creditor XXXX XXXX has violated my rights under HIPAA. I requested for documentation with my signature saying i agreed to pay this debt and i have not received validation that I requested.
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I checked my credit report and I have a negative 28points meaning 28 points subtracted from my XXXX credit score for Capital One it reads a remark is added to your account from Capital One.I called Capital One I was told everything was fine on there end. I called XXXX  XXXX thats the only one reporting this so far XXXX they said it came from Capital One. I have a XXXX balance and never been late on this account opened about 2 years ago. Im trying to buy a house and this information is not correct.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

The accounts are still inaccurate on my report which needs immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : Late Open XXXX  Account Number : XXXX Late Closed XXXX XXXX Account Number : XXXX Charge Off XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Collection XXXX Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-04-13
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. (NY)

In accordance with the Fair Credit Reporting act XXXX 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 2022-04-13
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: CITIBANK, N.A. (NV)

On XX/XX/2021 I purchased furniture from XXXX XXXX with one item a chair being a special order. I was told my order would take 4 to 6 weeks. On XX/XX/XXXX I received an update telling me that my order was delayed and it would be another XXXX weeks. On XX/XX/XXXX I received another update stating it was still going to be another XXXX  weeks. On XX/XX/XXXX I received yet another update telling me it would be XXXX  more weeks. Finally on XX/XX/XXXX after no additional calls or updates since XXXX, I emailed XXXX requesting they cancel my order and refund me my money. They told me that my order was in and I would be contacted. It was not in and I was not contacted. I was told later by the warehouse manager that the chair did not arrive until late XXXX. I filed a dispute with CitiBank in XXXX and today learned that my dispute was denied. I have NO product. Have since sold the house in XXXX that the furniture was going in. 

I did nothing wrong in this transaction. I paid in advance in good faith that a product would be delivered in the 4 to 6 weeks that I was told. After much patience and over 20 weeks of waiting I canceled my order. I should not be penalized and forced to pay for something that I no longer want, need or ever recieved.
Consumer complaint received 2022-04-13
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. (NY)

Hello gd afternoon I am contacting you because I have tired to tell trans Union and XXXX that the information on my credit file is incorrect and is fraud they have yet to remove items I been trying for over 1 year XX/XX/2021 someone tired to use my name 5 times all in one day I never gave no one authorization to use my name or personal information can someone please help me
Consumer complaint received 2022-04-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My phone was compromised and it led for scammers to transfer funds out of my account into another account. After providing a police report, notes from XXXX stating YES my account was compromised and speaking with over 4 dozen representatives Bank of America refuse to refund my XXXX that was token from account. After 42 days still nothing.
Consumer complaint received 2022-04-13
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)

U.S.C. 1681b section 2 - XXXX XXXXXXXX Bankruptcy # XXXX, XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, has violated my rights -15 U.S.C. 1681 section 602A States i have the right to privacy. 15 U.S.C. section 604A section 2. it states a consumer reporting agency can not furnish a account without my written instructions- 15 U.S.C. 1692c without the prior consent of the consumer giving directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2022-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Neon Newco Corporation (CA)

On XX/XX/2022 a fraudulent charge appeared on my account. I received no notification or any warning from the bank and there were multiple charges on my account. It wasn't until my card was declined at the store and I checked my account on XX/XX/2022, where I found, that charges on my card where made by someone else. They were made outside my state of residence and in some cases made in the same day in separate states. I contacted my bank ( skylight one ) and they said it was under investigation since XX/XX/2022. They told me it would take 8-10 business days to resolve this issue. I have not received any information about the status of my claim nor had I received a replacement card. I called again today XX/XX/2022 and was told it is still under investigation and that that the funds have not been returned to the account. I had not been assigned a new card nor would they give me any contact information who I could speak to about this matter, if anything they were evasive and unhelpful. I finally demanded a new card and they said one would be delivered within three business days. I have access to no fund and have had to barrow money just to get gas to go to work since this incident occurred.
Consumer complaint received 2019-07-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (DE)

On XX/XX/2019 a collection came up on my XXXX and XXXX XXXX XXXX. It lowered my FICO score by 25-30 Points. The collection agency is Midwest Recovery Systems, LLC. I received no letters or phone calls prior to this even though my phone number has not changed in 13 years. I filed a complaint to both credit bureau agencies and contacted Midwest Recovery by phone and tried by mail. I received no satisfactory answer via phone and their address was no valid as I tracked the letter via tracking and it bounced from city to city in Missouri about 4-5 times before someone accepted it. 

Bottom line this is not my debt as I stated in the letter and disputes. The following is the " address '' of Midwest Recovery '' MIDWEST RECOVERY SYS, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, MO XXXX XXXX. Phone ( XXXX ) XXXX. This debt originator is XXXX XXXX XXXX Internet, llp whoever that is. 

This debt was removed from both XXXX & XXXX but today checking my FICO I find that it is once again on my XXXX credit report. Nothing to date has been received from Midwest Recovery Systems, LLC even though I asked for documentation.
Consumer complaint received 2022-04-13
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL (AZ)

On XX/XX/22 I was unable to log into my Synchrony online account. A message reporting " We are unable to complete your request. Contact us at XXXX '' was displayed. I contacted Synchrony at that number and was told there was no hold on my account and that a ticket would be opened with tech support to fix the problem and to try again in 48 hours. I attempted to log on again after two or three days with the same error. I called support on XX/XX/22 and was told it could take up to 5 working days ( it had now been five working days ). I attempted again after a few more days with no success. Called support again on XX/XX/22, now 10 working days, and requested to speak to a manager who could take action to get this resolved. Was told I would be called back by the end of day. No call occurred. Called again on XX/XX/22, now 23 days without access to my account and asked to speak to a manager again. Was told they had contacted him by text and he was in a meeting but would definitely call back that day. No call back. Made my final support call on XX/XX/22, now 28 days without access to my account. Informed them not to bother with the fake manager call back promise and if the problem was not resolved by end of business day I would file a complaint with the CFPB. Of course it is still not fixed. This is the worst customer support I have ever experienced from any business. They have call log records of this entire exchange. Please make someone there accountable to take action and fix this problem so I can access my account. They have no right to be licensed as an online bank if they can not provide online access any better than this.
Consumer complaint received 2022-04-13
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. (FL)

Account : XXXX  XXXX XXXX Account # XXXX They are are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.S. CODE 1681e ( b ) - Compliance procedures maximum possible accuracy.
Consumer complaint received 2022-10-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I MADE AN UNINFORMED DECISION ON XX/XX/XXXX AND XX/XX/XXXX WHEN I ENTERED INTO A CONSUMER CREDIT TRANSACTION WITH CAPITAL ONE WHERE I EXTENDED CREDIT TO CAPITAL ONE FOR THE FOLLOWING ACCOUNT # XXXX AND ACCOUNT # XXXX. 

THERE WAS NO EVIDENCE OF INDEBTEDNESS. THE ONLY EVIDENCE OF INDEBTEDNESS WAS THE AGREEMENT. BUT BECAUSE OF THE UNINFORMED DECISION THAT AGREEMENT IS NULL AND VOID BECAUSE I DID NOT UNDERSTAND AND KNOW WHAT WAS IN THE AGREEMENT. THE AGREEMENT WAS NOT CLEAR AND CONSPICUOUS AND I WAS UNAWARE OF WHAT I WAS AGREEING TO. 

VIOLATION OF THE FOLLOWING LAWS : 15 USC 1602 ( p ) 15 USC 1602 ( k ) 15 USC 1601 ( a )
Consumer complaint received 2022-04-13
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. (FL)

Account : XXXX  XXXX XXXX Account # XXXX They are are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.S. CODE 1681e ( b ) - Compliance procedures maximum possible accuracy.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

This is what happens when fraudulent company 's business are allowed to operate, THERE STILL ONCE AGAIN WORKING ON THE ISSUE, LIE LIE LIE LIE LIE LIE LIE LIE LIE, nothing but a stall tactic