davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/2022 I was sent a text by Wells Fargo that said my account was put on hold and to press the link to fix it. I did not know not to press on links and it turned out to be a scam. Once I did that they has access to everything on my phone including banking information. plus after that my phone could not make or receive phone calls or texts, it was compromised. The next day, I signed into my online account only to see our savings account was hacked into and they cleaned us out of {$8000.00} and {$30.00} service charge with a online transfer to XXXX through XXXX XXXX. We filed at least XXXX fraud claims. Well Fargo denied us every claim and said that we did it or someone we gave permission to, did it which we would never do either. Now we are out of all of our savings and Wells Fargo will not honor their guaranteed online fraud disclosure, so myself, my wife and all XXXX kids are out of our savings at the total of {$8000.00}. Also on XX/XX/2022 we went to the bank, the day it happened to talk to a banker and he said it was purely fraud and that Wells Fargo already red flagged it. So we are confused why the transaction was not stopped. It was still pending and they could have stopped it from going through. We have all sorts of supporting documents in a folder we keep and can fax them to you or email them. I don't know how to attach them.
Consumer complaint received 2022-06-14
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. (NJ)

In accordance with the Fair Credit Reporting act 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 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (TX)

I settled account with XXXX XXXXs in XX/XX/2022 for {$3000.00}. I have received 2 settlement in full letters from XXXX and XXXX stating the account is closed and payment was received. One letter received in XX/XX/2022 and one in XX/XX/2022. However, the XXXX XXXX is still reporting that the {$3000.00} was applied to the balance and I still owe. It says that I have been past due since XXXX. I have contacted XXXX XXXX ( refers me to XXXX ), XXXX ( doesnt return calls or answer phone ), & XXXX XXXX XXXX ( stats that XXXX  is responsible for reporting and they have sent receipt over ) multiples times and it has not been corrected.
Consumer complaint received 2018-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (MO)

I had a credit card for approx. 2 years. I asked if they had a short term plan with a lower interest because I wasn't sure how our income was going to be over the next few months, because of retirement. The customer service rep in order to qualify for the plan, you have to be in arrears. I told her it wouldn't work, because I've never missed a payment.She gave me more information along with my account would be close, but after the end of 12 months it would automatically be opened up & they would lower the interest over the 12 months also. I asked her to confirm that it would definitely reopen at the end of 12 months. She said " Yes ''. I told her again that " but I didn't have any late charges. She decided that if I wanted to get on the plan, she would basically see if the company would still put me on the plan. She told me she could put me on it! I was excited, but still continued to question about my great credit!! She just basically put me on it anyway. At the time, there was nothing said about why she was able to put me on the plan, except for it would still be reopen in 12 months. We were recorded, which is what I wanted anyway..plus, my husband also heard everything, because I had the rep on speaker phone, and I told her that he was sitting right by me & could hear everything that was said! I called the company in XXXX to find out my exact date in XXXX that my acct would be reopened, because I still made all my payments on time! That's when I found out that my account was not going to reopen & the rep that put me on the plan had made it look as if I missed a payment. Thank the XXXX  that I have proof from my bank draft & paper work that shows & proves that I never missed a payment. I called several times, & found out they even put my account in COLLECTIONS!!!!!!!! Then, they sent me a letter stating they were raising my interest rate even more than the original interest rate & showed that my payment would be {$100.00} ... which would be approx. {$32.00} toward principal & almost {$70.00} per month of interest & on this {$100.00} would take me 8 years to pay it off. I still can't believe they did this!! This is the employee ID for this rep ( XXXX  ) No one would give me her name, or no one at the company would even discuss why this was done, but the agreed that it was the wrong thing to do with my account!! This was recorded on XX/XX/2018.
Consumer complaint received 2018-04-24
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: Amsher Collection Services, Inc. (TX)

On XX/XX/2017 the furnisher reported inaccurate information to the credit bureau, XXXX. It says the account is in collections but the account has been paid in full. The information reported is inaccurate.
Consumer complaint received 2022-06-14
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. (VA)

In accordance with the Fair Credit Act XXXX XXXX XXXX XXXX Acct # 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 an account without my written instructions.
Consumer complaint received 2018-12-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (NY)

Twenty months after paying off my loan in full, Great Lakes added {$13000.00} to my loan balance. They said the money was a fraudulent payment ( it wasn't ) so they sent it back to the bank. I never received the money back. They refuse to tell me where it was sent to past that. The money has disappeared. Now I have a large balance on my student loan, and my missing {$13000.00} is nowhere to be found.
Consumer complaint received 2018-12-12
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lipsey, Morrison, Waller & Lipsey, P.C. (TN)

This company/attorney is trying to refile a judgement that is 14 years old and was from a repossessed vehicle that was surrendered. Received a letter that was not dated. stated it would be refiled if not disputed in 30 days. Went to the XXXX County courthouse and they claimed I had to hire an attorney to file a response to the judgement and would not allow me to represent MYSELF. The judgement has already previously been removed from my credit per the statue of limitations and the FCA
Consumer complaint received 2022-07-21
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. (TX)

I previously wrote to Experian to investigate and verify a bankruptcy listed on my credit report and I received a response that the bankruptcy was verified with the bankruptcy court. 
I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. 

It is quite clear that someone from Experian lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). 

As you know, it is also a violation of the FCRA to report inaccurate or unverifiable information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following bankruptcy from my credit report :
Consumer complaint received 2018-12-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (GA)

On XX/XX/XXXX XXXX dollars and XX/XX/XXXX XXXX  dollars was deposited into my PayPal account for a old drawing I had and a gentleman purchased it well I had to wait for access to this money for 6 days due to the fact I had to follow their procedures which i did then they finally released the money for me to have access too well within 5 hours of having my money they then put an account limitation on it saying I needed to provide some more information proof of identification tracking information and etc all of this was provided same day it was asked for so for the next 4 days I talked to several people several times a day and each person telling me the same thing you have provided all the information we asked for and the limitation will be lifted well yesterday ms XXXX got all the information again plus extra proof of requirements so that it would be lifted well I receive an email stating they closed my account and I have to wait 180 days to get my money so I call and they tell me there is nothing they can do because back office made decision the buyer had tried to help telling them he is happy and received the item and to release the money there is no reason for them to hold my money especially since they didn't hold taking out their fees from the start and I had to wait for 6 days to even touch the money then only had it for 5 hours and they stopped me accessing my money. There is no fraudulent issue no issue with buyer no issues at all except with them not releasing the money what bills I did get to pay from this account while I had access to it the ones that didn't clear because they put hold on account in middle of me paying bills have been returned and now these companies have closed these accounts and I being charged XXXX dollars per returned fee. I understand they needed informations and to make sure buyer was happy and received item and they were provided every thing they asked for why let me have my money to turn around and take it back for no reason and now tell me I have to wait 180 days. Someone please help me I am so upset and confused I don't know what to do.. thanks XXXX XXXX . XXXX. XXXX
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-10-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (CA)

*Square provided false information in CFBP response to customers and I did not receive any verification information. ( Picture : XXXX ) ** Copy emails to reply to customers and insult customers. ( Picture : XXXX ) XXXX. The account is registered ( deactivated ) in XXXX, and the payment terms of XXXX are applicable. Square binds customers to its XX/XX/XXXX updated payment terms. 
XXXX. Your email customer promises to review and release within XXXX days. You broke the contract without any results. 
XXXX. The account did not trigger the XXXX items you mentioned ( no customer refunds or disputes occurred ) XXXX. The account was delayed for 2 years. You did not contact the customer to propose a solution midway and deliberately delayed the process. Instead, after complaining to " XXXX '', it will be " permanently retained '' and based on your company 's payment terms XXXX ( it does not indicate that you have this authority ) ( or trigger Article XXXX ) ) Summary : Square Company complained that the manager abused the terms, breached the contract at will, bullied consumers, and deducted customer funds at will. It is hoped that the relevant financial departments will intervene to investigate Square.
Consumer complaint received 2019-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I was in the market for a home last year. There is usually a grace period of 45 to 60 days where your credit is being pulled to compare rates and offers with multiple lenders. The point is to not have every individual hard pull affect your credit score This was not the case for me, in some reports I have about 7 to 9 hard  inquiries all within this span that should not have counted as individual checks on credit. 

I want to have these removed and the negative hit fixed from my credit report
Consumer complaint received 2019-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (PA)

FROM XXXX THRU XXXX CHASE BANK PURPOSELY ALLOWED MY CREDIT LIMIT TO BE EXCEEDED. THEY BEGAN COLLECTING FINANCE CHARGES ON THE HIGHER BALANCES. WE USE THIS CARD FOR MY BUSINESS AND THEY DECIDED TO RANDOMLY TURN OFF THE SPENDING ACCESS TO THE CARD AND NONE OF OUR VENDORS ARE BEING PAID. THIS IS A FRAUDULENT WAY TO FORCE UP BALANCES AND THEN HAVE YOU STUCK WITH A LIABILITY OVER THE ORIG LIMIT MAX AND BE STUCK WITH A MASSIVE DEBT LOAD AND NO OPTIONS TO PAY IT DOWN DUE TO THEIR UNETHICAL CREDIT CARD PRACTICES ( WE HAVE NEVER HAD ANY LATE PAYMENTS IN OVER A DECADE )
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have obtain a copy of my credit report and the information contain on the report have major inaccuracies. I am demanding that you correct them immediately on my credit file. The following accounts/ items has been reported as late payments and according to FEDERAL LAW 15 USC 1681 ( A ) ( 2 ) ( I ) ( I ) ( A ) ( I ) States that information regarding transaction is not to be included on such CONSUMER REPORT.. Therefore you are in VIOLATION OF THE FEDERAL REPORTING ACT by reporting such transactions.. 

Please update my file to current never late. Please update my file within 5 days of receipt of this Correspondence or I will be seeking monetary relief for actual damages for WILLFUL NONCOMPLIANCE Accordance to the 15 USC 1681 ( N ) OF THE FCRA I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt.nor therefore any such debt, in fact therefore exists
Consumer complaint received 2018-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Regional Management Corporation (TX)

I disputed with XXXX XXXX XXXX inquiries that were not authorized by me. I also contacted XXXX XXXX made two inquirys on XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-03-22
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: EQUIFAX, INC. (FL)

I have been the victim of identity theft and my information has been used to obtain serves several times in the past without my knowledge. These three accounts were already been addresses with years ago as identity theft but now a new company has put them on my credit they are not mine. The accounts are : 1.  XXXX XXXX Account # XXXXXXXX ( XXXX {$1000.00} ) 2. XXXX XXXX Account # XXXX ( XXXX {$970.00} ) 3. XXXX XXXX Account # XXXX ( XXXX {$970.00} )
Consumer complaint received 2019-03-22
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Regional Processing Services (FL)

Narrative : XXXX on XX/XX/2019 - A woman called out of the blue my former mobile number XXXX and threatened me with a lawsuit for check fraud/ bank fraud at the XXXX XXXX XXXX in Texas. She called from a blocked number where the code on the caller ID appeared as XXXX. She first identified herself as XXXX XXXX and left on voicemail a case file number XXXX. She threatened to track me down at my place of employment and demanded I return her call at XXXX. 

XXXX on XX/XX/XXXX, XXXX XXXX XXXX called to threaten me with lawsuit and to track me down at work. She said I would be found and a lawsuit will be filed at XXXX XXXX XXXX if I dont comply with payment left Case file # XXXX. 

XX/XX/XXXX & XX/XX/2019 family friend XXXX XXXX in XXXX, Ky received calls from XXXX XXXX threatening him with jail time and that XXXX XXXX would be sent to his home and implement himin a case against me. Calls were also left on his voicemail. 

XXXX XXXX XXXX  on XX/XX/XXXX, XXXX Debt payment demand letter received via incoming email : XXXX from Regional Processing Services , LLC . Address XXXX XXXX XXXX XXXX, California XXXX Tel : XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX but identities herself on voicemail as XXXX XXXX XXXX XXXX about settlement document sent on XX/XX/XXXX demanding {$1300.00} paid by XX/XX/XXXX. She left phone number XXXX EX XXXX. She called from XXXX. 

Regional Processiong Services, LLC also identified itself over phone as XXXX XXXX XXXX XXXX XXXX. Has refused to validate company contact information such as address and email address, and did not provide a website. XXXX XXXX does not appear on my credit reports. XXXX XXXX has refused to provide original debt verification letter and document verification show right to pursue debt. Refused to provide verifiable information about how my contact information was obtaind. XXXX XXXX failed to notify me that I have the right a verify debt. How to disput debt. Refused to state actual amount owed and proof. XXXX XXXX didnt notify me that I have the right to have the debt sent back to the original creditor for debt verification.
Consumer complaint received 2020-11-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Southern Auto Finance Co (TX)

I had the IRS assess my account by sending SAFCO a1099a and 1099c. I completed a 1099a and 1099c IRS forms to cancel the debt. After SAFCO received them I contacted them and asked if they received them. I was told they were not in my file. I sent them a copy that I had when I submitted them to the IRS who mailed them the copies. I sent them a letter with the forms and negotiable instrument stating that according to UCC law dealing with legal tender that the debt had been settled. They responded back saying that that the negotiable instrument I sent was not an accepted form of payment. I sent another letter stating that it was according to UCC 3-603. They need to settle and satisfy the debt or there will be a Notice of Claim and Intent to Sue. 

They end up sending me papers that I signed, and their CFO knows that pertaining to the UCC law that I am right after I did my research. I addressed all my letters to XXXX XXXX XXXX, XXXX SAFCO Corporate Headquarters, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. As an American, all debts are obligations of the United States U.S. Constitution Article VI because according to HJR 192 the United States ( which is a corporation ) is insolvent. The credit of the American people is used as collateral for U.S. debt. They were told to send me the papers saying the lien is released, contract paid-in-full, and title to the car. They decided that they are going to ignore the law.

I send a letter about GAAP ( General Accepting Accounting Principles ) questions that they are supposed to respond to along with an affidavit to XXXX XXXX XXXX, CFO which was completely ignored. I also sent the 1099oid and 8281 to IRS for the account. I have a copy of a letter from President Trump on Pre-Paid Non-Obligatory Commercial Debt Obligation Arrangement with the United States in relation to 12 U.S. Code Sec. 95a. All of this and they still want to continue to extort money from me knowing that what I have submitted to them is lawful. What good are laws if you are not going to obey and follow them? 

However, I am completing an administrative process in this commercial transaction to have this account settled and satisfied. After I complete the administrative process if they do not comply, they will be in default and then that is when I will take legal action. According to U.S. Constitution Article 1, Section 2, Clause 3 American Indians are tax-exempt.

I do hope that your investigation will bring about some type of result to address my issue.
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Law Office of Michael J. Scott, PC (TX)

I settled account with XXXX XXXX in XX/XX/2022 for {$3000.00}. I have received 2 settlement in full letters from Scott and Associates stating the account is closed and payment was received. One letter received in XX/XX/2022 and one in XX/XX/2022. However, the XXXX XXXX is still reporting that the {$3000.00} was applied to the balance and I still owe. It says that I have been past due since XXXX. I have contacted XXXX XXXX ( refers me to XXXX ), XXXX ( doesnt return calls or answer phone ), & Scott & Associates ( stats that XXXX is responsible for reporting and they have sent receipt over ) multiples times and it has not been corrected.