davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Ive been with Wells Fargo for some time, but every single year I learn Wells Fargo is a repeat offender in overcharging and taking money. In 2020 they had to give me a check of over {$200.00} for their overcharging. Even now I had an issue depositing my money into my account when it went into XXXX and they offered a grave period which ended up still charging me. They rearranged my payments also in order to try and get my account deep into the negatives even though I had funds that covered my expenses. So the rearrangement ends up setting me into negatives.
Consumer complaint received 2022-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (OH)

I have made my Paypal Credit account to make several purchases to take advantage of their " XXXX months no-interest promotional financing '' offer ( which is actually " deferred interest '' that is waived if you pay off the balance before it expires ). This year, I received a partial refund from XXXX of the merchants I had made a purchase from that qualified for this promotional financing. That " credit '' was applied to a different outstanding promotional financing purchase on my account, due to the way Synchrony applies these credits by default. When I called to complain that this was not in my interest, I was told that this would be taken care of. Instead of the credit being taken off of the wrong purchase and applied to the correct purchase, the amount was " reallocated '' from promotional financing to a " standard '' balance ( which bears interest IMMEDIATELY ). This means that any payment I made would first go towards this " standard '' balance instead of my expiring promotional balances and I never knew why. Synchrony makes it IMPOSSIBLE to figure out what's going on, then they refuse to allow consumers ( or even the customer service reps that deal directly with consumers ) to directly contact anyone who actually makes adjustments to account balances, so every time I would call and complain ( XXXX or XXXX  times over the last 6 months ), I would be assured that everything would be fixed ( " within XXXX to XXXX billing cycles '' ), but things would get WORSE every time. Most recently, in an attempt to fix this situation, Synchrony " paid off '' ALL of my promotional balances, then realized they messed up and DEBITED my account for that amount, except instead of putting it back on promotional balances, it was ALL put on the REGULAR " STANDARD '' balance, which I now have to pay right away or risk paying interest on all of it. I STILL can't talk to anyone actually making the changes.
Consumer complaint received 2022-06-13
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. (TX)

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions
Consumer complaint received 2022-06-13
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. (GA)

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 that I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-11-23
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. (CT)

Please be advised this is my XXXX  WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your the credit bureaus first investigation, They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 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. 

Item is XXXX XXXX XXXX # XXXX Eastern Account System # XXXX
Consumer complaint received 2018-04-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. ()

Hi, Ive been trying to pay off my student loan at Navient for over a year. I had the loan in the US but now Ive relocated permanently to the XXXX. Ive been lied to several times and now Ive exhausted all options left with no way to make a payment. They tell me I need a US bank account or a money order. Neither of which are possible here in the XXXX. I opened a foreign currency account and transferred currency at their advice only to discover that didnt work so in the end I love money transferring currency. Ive gotten a prepaid card loaded with funds at their advice only to discover that that didnt work either, again losing money in the process. 

Im so beyond frustrated and have no solution for how to pay this loan off. Theres definitely something really wrong with this company. Its very weird. 

Please can you help me? 

Thank you
Consumer complaint received 2022-06-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

Experian is the only agency reporting thisinaccurate information. I have attempted to dispute this collections numerous of times. Experian refuses to remove this negative item after providing proof how the information in the contract was inaccurate and incomplete. I explained in specific detail, as well as circled on the contract mailed to in attempt to verify the debt the inaccuracies on the contract. The item in the contract was inaccurate and incomplete because in the Buyers Information section of the contract the company has MO as the state in which is associated with the buyers information. The section of the Buyers Information is also incomplete because the company failed to provide a Present Address or City in the Buyers Information section of the contract. I have never lived in the state of Missouri and should have no address on file connected with that state. According to the Fair Credit Act. Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.
Consumer complaint received 2021-06-09
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 (NJ)

There is this account that does not belong to me and ai want it to be remove from my credit report. 

1. Identity Theft TD BANK USA/TARGETCRED Account Number : XXXX This is not mine.
Consumer complaint received 2023-03-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Every since Select Portfolio Servicing became my mortgage Server in XXXX, It has been nothing but harassment. In the past, I have had issues with Select Portfolio Servicing, Not sending me, my end of the year statement. Select Portfolio Servicing deliberately mail out mortgage statements late. So they can charge fees. Today is XX/XX/XXXX and I have not received my mortgage statement. This is their method of operation. I have never paid my payment late. But Select Portfolio Servicing will withhold my payments to claim they were late. In the past I called and received racial slurs from customers service. This is a violation of my civil rights, it is harassment. Select Portfolio Servicing is committing criminal acts. I have a Paper trail of Deceit from Select Portfolio Servicing. They sent fraudulent documents in the mail, in which my name and initials had been copied and pasted to illegal, fraudulent documents, Even my name had been forged.
Consumer complaint received 2022-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (CO)

XXXX XXXX purchased a fraud account from Community XXXX. Date unsure. Recieved my first collection letter from XXXX early 2021. Collection call from XXXX explaining fraud. Sent a certified letter to XXXX XXXX explaining my ID theft after XXXX threatened a court case; included was a victim restitution form from the city of XXXX Colorado. I have the Receipt of the certified mail i sent to XXXX XXXX XXXX continues to call me almost every day. Im am be harrassed by their incompetence to receive and properly read a letter sent almost a year ago. Now as of this date my credit score is being impacted by their negligence.
Consumer complaint received 2018-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Beginning in 2017 I've disputed the student loans reported on my credit profiles by XXXX, I wrote them numerous letters asking them to show the original promissory note I supposedly signed. They sent me a computer printout with no signature, only saying these loans were e-filed. I wrote again disputing the validity of the loans and they wrote my back stating I could dispute but this is my loan. I continued to dispute with the same dispute as before and that is to prove these are my loans in which are duplicated on my credit reports to appear as more than one they are different on the three reports.
Consumer complaint received 2021-04-01
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. (NY)

I was extremely disappointed this morning when I checked my credit report and I saw that I have a bankruptcy showing on my credit report. This is so embarrassing, and I am so ashamed I do not think this is something that should be shared with the public. I need these accounts removed
Consumer complaint received 2018-12-08
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. (WI)

Certified Mail Number : XXXX XX/XX/XXXX, RE : CONDITIONAL ACCEPTANCE FOR VALUE FOR PROOF OF CLAIM UPON CORPORATIONS CONTRACT, FOR DETERMINATION OF MEETING OF THE MINDS, FRAUD ON THE CONTRACT, AND/OR AN UNCONSCIONABLE CONTRACT AND/OR AGREEMENT FOR COMMERCIAL DISCHARGE, FILES # XXXX AND # XXXX. 
Dear Mr. / Ms. CEO : I am in receipt of and conditionally accept for value ( honor ) your statement of report for XX/XX/XXXX, dated XX/XX/XXXX and XX/XX/XXXX. Copies of the statement of reports are enclosed. 

In response to statement of the report you provided, I am conditionally accepting your offer for the unverified items contained in the Files # XXXX and # XXXX, upon proof of claim that : 1. PROOF OF CLAIM that Respondent show under the FCRA ANY copy of the original creditors documentation on file ( a consumer contract with my signature on it ) that you verified, and that this information is mine and is correct as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

2. PROOF OF CLAIM from your department 's documentation showing method of verification as required under Section 611 ( a ) ( 7 ).

You have ten ( 10 ) days from receipt of this Conditional Acceptance to respond on a point-by-point basis, via sworn affidavit, under your full commercial liability, signing under penalty of perjury that the facts contained therein are true, correct, complete and not misleading. Mere declarations are an insufficient response. If an extension of time is needed to properly answer, please request it in writing. Failure to respond will be deemed agreement with the facts stated in the attached Affidavit and inability to prove your claim, thereby indicating your agreement to the facts stipulated herein enclosed commercial affidavit.
Consumer complaint received 2023-03-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Majority USA, LLC (NY)

I had an account open with Majority, a XXXX XXXX  operated by Majority USA , LLC and backed by XXXX XXXX. 

On XX/XX/XXXX, they sent me a message stating " After a review of your account, we have made a final determination that we are unable to continue servicing your account. As a result, your account will be closed as of XX/XX/XXXX. Please ensure that you bring your balance to {$0.00} prior to the above date, or complete the attached balance transfer form and we can transfer your remaining balance to another account. 

I sent them the balance transfer form via email to XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time I had no response. 

This is now my final effort to collect the remainder of my balance in the account. I do not know the exact amount that was left, but I think it was around $ XXXX.
Consumer complaint received 2022-06-13
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 — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2024-02-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor ) and XXXX XXXX XXXX ( Collection agency ) XXXX XXXX XXXXXXXX ( Collection agency ) Dear Bureaus, I recently pulled my credit report and noticed that you were reporting against the FCRA standards. How can I possibly owe two balances to two different companies for one account? Please explain to me how I owe this same alleged debt to two companies? It seems to me as if you are unclear yourself otherwise you wouldnt be reporting these erroneous accounts. Please delete these accounts from my credit report immediately. I would like to resolve this before I consult with an attorney to pursue legal action. 

Accounts XXXX XXXX XXXX # XXXX- DELETE XXXX XXXX XXXX XXXXXXXX DELETE
Consumer complaint received 2019-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Corp Solutions Inc. (IL)

In XX/XX/XXXX, I paid off in full an alleged debt. The originating lender was XXXX XXXX. Depending on which credit bureau you look at, XXXX XXXX reported the alleged debt as a charge off in XXXX, XXXX, and XXXX, depending on the bureau. 

XXXX XXXX sold the alleged delinquent debt account to Credit Corp Solutions. 

In XX/XX/XXXX, I paid Credit Corp Solutions for the full amount that I allegedly owed : {$16000.00}. Both XXXX XXXX and Credit Corp Solutions assured me that they would update my credit report with the 3 bureaus to indicate my account was no longer delinquent. 

XXXX XXXX did not update the entry despite my providing written proof of payment and chain of custody. Furthermore, Credit Corp Solutions refuses to update XXXX XXXX with this information or forward them the letter proving that I paid off the account in full. 

I hereby demand that the account entry either be deleted from my credit reports entirely, or at a minimum, that you accurately report that the account is no longer listed as currently delinquent. Additionally, I demand an accurate reporting of chain of custody of the account and accurate charge off dates. You cant charge off the same alleged debt 3 times.
Consumer complaint received 2018-12-08
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: CITIBANK, N.A. (WA)

Inquiry put on credit XX/XX/XXXX From citi cards cbna Also one from XX/XX/XXXX from cbna I did not authorize either of these hard pulls nor did i apply for credit or loans through this company.i have sent a letter XX/XX/XXXX to citi cards at XXXX XXXX XXXX XXXX XXXX sd XXXX.i have yet to recieve a response.
Consumer complaint received 2018-12-08
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: CITIBANK, N.A. (WA)

Cbna inquiry date XX/XX/XXXX Cbna inquiry date. XX/XX/XXXX Cbna inquiry date. XX/XX/XXXX Received these unauthorized inquiries on my account.sent a letter to the company to reslove the issue and have these taken off my credit report.i have not recieved a response and now km moving forward to have them removed from my credit file.
Consumer complaint received 2023-03-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (TN)

CCS Collections Agency trying to collect a debt already paid. XXXX XXXX XXXX XXXX XXXX  for auto insurance payment I purchased on XX/XX/2021 at auto dealer. I paid {$240.00} and I sent a email to XXXX XXXX cancelling the policy XXXX XXXX, on XX/XX/2021. I want validation of this debt. Also CCS Collections is violating my rights 15 U.S. Code 1681a ( 2 ) ( i ) - ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1681a ( D ) the consumer has a right to prohibit information contained in the consumer 's file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer ; and ( E ) the consumer may exercise the right referred to in subparagraph ( D ) by notifying a notification system established under section 1681b ( e ) of this title.

15 USC 1681a ( m ) Credit or Insurance Transaction That Is Not Initiated by the Consumer.-The term " credit or insurance transaction that is not initiated by the consumer '' does not include the use of a consumer report by a person with which the consumer has an account or insurance policy, for purposes of- ( 1 ) reviewing the account or insurance policy ; or ( 2 ) collecting the account.
Consumer complaint received 2022-06-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (NY)

I'm a tenant with a rent control, I as been here for 17 years, after my husband passed in XXXX I haven't a legal lease I always signed but they never sent the copy, on XXXX XXXX complaint to the City for the same reason they ordered to sent me a lease copy in 30 days and eliminated all the overcharged for lateness wich its not applied, according to the first lease in XXXX, they sent me the lease I signed but they never sent me the copy. I never stopped to pay my rent, until last year due to covid ERAP deposit an amount of money covering my rent for 5 month on XX/XX/XXXX ( XXXX ) supposed to be covered until XX/XX/XXXX, I started paying my rent on XX/XX/XXXX even with the increased amount that not supposed to happening until one year later ( XXXX XXXX ) I spoke with them about it to many times they became disrespectful with emails, and harassing me with late notifications certified mails and emails, I complained to the Housing again about it on XX/XX/XXXX, I have the docket number and I guess that they have the notification too.They sent me and email telling me that they will sent my debt into collection they did it and today XX/XX/XXXX I Recieved the notification from TSI, and after all this back and forward with the emails they sent me the lease 2 weeks ago ( XX/XX/XXXX ) when I signed in XX/XX/XXXX and I supposed to recieved the tenant copy 90 days later ( around XXXX or XX/XX/XXXX ) and this it's the first legal lease that I have since XXXX and they're overcharged me also I told them if they're right I'll pay what I own and for sure it's not the amount they're saying