davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I received a check from my insurance company XXXX XXXX as a refund for my deductible, by law I am required to have my daughter on my auto insurance policy. XXXX XXXX issued me a check for {$1000.00} in my name and my daughters name. I submitted the signed check to Wells Fargo Bank in XXXX Ca XXXX XXXX XXXX XXXX ( XXXX ) XXXX. This check was for deposit into my account. Wells Fargo rejected the deposit, because my daughter is not on my checking account. She and I endorsed the check, so now I wait 3 to 5 business days to receive a " copy '' of that check. Why does it matter if I am making a deposit, endorsed by the both of us, that she is not on my account. I am not withdrawing money I am depositing it. Wells Fargo says she needs to be added to my account, however, with her credit rating they will not add her to my account, they tell me they will. but I have tried to add her before. I am now {$300.00} overdrawn which is why I wanted to deposit the {$1000.00} into the bank. So how much more are they going to charge me while I wait 3 to 5 business days for them to return a copy of the check. Due to a divorce my daughters credit is horrible, she can not open a checking account. She has a full time job and has had her paychecks direct deposited into my bank account for almost a year with nothing said or done about it, after all it is a deposit not a withdrawal, all of a sudden that is not allowed, so how does someone who is working and gets a pay check supposed to be able to cash a check with no account??? I understand about fraud, but the check was endorsed by both parties so why can they reject the check because she is not on the account. So here I am out of money racking up bank fees and not being able to even pay my bills. Wells Fargo is out of hand, charging outrageous fees for everything, and when I get the copy of this check and take it into the bank with my daughter to have them cash or deposit the check they will again reject this check, yet they will not add her to my account so she can deposit checks, I am XXXX years old I  receive a social security check each month, my daughter does my business for me because we are a one vehicle family and she needs the vehicle to work. We live together and I do XXXX for my grandson who is XXXX. I want this mess cleared up, as long as we both endorsed the check it should not matter who gets the deposit, this is just another way to collect fees and run my bank account dry taking all my money for the bank. Please please help me and stop Wells Fargo from taking advantage of low income people. This is ridiculous. A deposit is valid, the endorsement is valid the check is valid for deposit, should not matter who the other signer is on the check.
Consumer complaint received 2018-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (CA)

I have an American express serve account. They have freeze my ability to load funds online without prior notification and explanation. I am reloading with my own checking account and I am not doing anything against the card member agreement. It's a violation of them to do so. I hope that they can give me an explanation and recover my ability to load funds.
Consumer complaint received 2024-02-27
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: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-15
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: FC HoldCo LLC (NJ)

In XX/XX/2019 Flagship Credit Acce added inquiries on my credit report per XXXX XXXX. These inquiries were not authorized in writing by me. These inquiries were disputed and unsuccessful removed by the credit bureaus. According to the FCRA, Flagship Credit Acce has violated my rights as a consumer And Im requesting legal action to remove these inquiries.
Consumer complaint received 2020-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX XXXX refuses to fix the error on my credit reports. I tried calling XXXX XXXX on XX/XX/XXXX@ext.XXXX was unable to speak with him personally. In a previous response XXXX XXXX replied that the credit reporting was reported delinquent because XXXX did not receive a XX/XX/XXXX payment when in fact a payment was made on XX/XX/XXXX ( XXXX ). 

My monthly payments were due on the XX/XX/XXXX of each Month with a late fee being added if payments were not received by the XX/XX/XXXX of the following Month.

XX/XX/XXXX payment was made XX/XX/XXXX BEFORE it was late 30 days. These final payments were being made to PAY OFF this loan!

When I made the XX/XX/XXXX payment the loan amount due was {$450.00}, I was unable to pay that amount in its entirety therefore I paid a little more than 1/2 of that amount on XX/XX/XXXX in the amount of {$240.00} with the final payment on XX/XX/XXXX in the amount of {$210.00} XXXX reported to the 3 credit reporting agencies for the Month of XXXX ( pays as agrees ) but n XXXX 60 days past due. In XXXX eventhough they in fact received a payment of {$240.00} they reported my account 90 days past due and 90 days past due in XX/XX/XXXX eventhough XXXX received a FINAL payment of {$210.00}
Consumer complaint received 2018-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (CA)

Received a XX/XX/18 call to collect a debt not owed by me or any person at my telephone numbers ; XXXX and XXXX and XXXX  during the past 5 ( first two numbers ) and 10 years ( last #, XXXX  ). Unwanted Company/caller was Dynamic REcovery Solution, XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX and mailing address XXXX XXXX XXXX XXXX SC XXXX.

They have the wrong numbers for whomever they seek and they were simply lazy and slothful in conducting their business by failing to check their telephone lists, choosing instead to make calls and interrupt my day with their call and further time needed to attempt to have them stop calling my numbers by filing this complaint and talking with them.
Consumer complaint received 2018-10-17
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

I was really shocked when looking at my credit report and found a late payment on the following date : XX/XX/2018 I don't even know how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2021-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (AZ)

On XX/XX/2021, PNC Bank took over operations of BBVA Compass Bank On XX/XX/2021, PNC Bank told me that all operations relating to my BBVA Compass Bank Account, will become operational as before. In particular I was interested in XXXX XXXX, Look at my deposits, Look and monitor at automatic withdrawals by Mortgage company, Credit Card payments etc I went twice to the PNC Bank Branch and met once the Vice President I also submitted the Account linkage form on XX/XX/2021 However, to date, I have on online access to account, so I can not perform XXXX XXXX, Look at my deposits, Look and monitor at automatic withdrawals by Mortgage company, Credit Card payments etc I am very worried, since I do not know what my balance is, and how much and many bills can I pay Please help
Consumer complaint received 2019-03-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Altisource Portfolio Solutions, S.à r.l. (NY)

I received a letter in the mail on XX/XX/19 from a collection agency with a debt from XXXX. The product purchased was mistakenly placed on XXXX XXXX by XXXX as I did not order it that way which caused the last two payments to go unpaid due to a credit card change. 
I spoke with the collection agency, the agency put the debt in dispute as I was never contacted by XXXX to resolve said debt. I spoke with XXXX and they claimed they made calls and sent letters that were never received. I requested copies of the letters they claimed to have sent and was refused. 

The debt was paid at the time of the call to XXXX on XX/XX/19. 

Had they contacted me this would have been resolved without the use of a collection agency. 

Their use of a collection agency without attempt to contact me directly can potentially affect my credit.
Consumer complaint received 2022-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: NAVY FEDERAL CREDIT UNION (NC)

XX/XX/XXXX - Navy Federal Credit Union added a " 30 day late '' on my credit report for the month of XX/XX/XXXX for a missed payment of {$610.00}. I have never been late on ANY credit card payments for ANY company. Navy Federal Credit Union never sent me an email, hard copy statement, or a telephone call saying that I owed money on my credit card statement. 

XX/XX/XXXX - I called Navy Federal Credit Union to dispute this derogatory on my credit report. I also made a dispute with the credit bureaus. The manager at Navy Federal Credit Union who took my call told me that he would take this derogatory off my report XX/XX/XXXX - I just utilized my free annual credit report and discovered that Navy Federal Credit Union never took the derogatory off of my report.
Consumer complaint received 2021-05-06
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. (KY)

Equifax is reporting a fraudulent account called XXXX XXXX XXXX for {$130.00}, i believe my information was apart of the equifax data breach i've never done business with XXXX XXXX  XXXX, i never signed a contract or gave permission to XXXX XXXX XXXX to access my social security number or personal address.
Consumer complaint received 2018-04-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates (NY)

I had an active XXXX  XXXX account for a few years which I have always paid ; I recently went through financial hardship and could not pay the amount owed. In addition the charges seem excessive since I had to move out of the premises and did not continue to live there.
Consumer complaint received 2021-05-06
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One let us cash a fake check that someone sent to us and put the money into our account. Because the money entered our account, we thought that the check was valid. So then we sent a portion of the money received to the person who sent us the fake check as they claimed that it was for moving fees.
Consumer complaint received 2018-10-17
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. (WA)

Credit card account was closed due to lost credit card. A new account was opened and a new credit card was issued. The closed credit card account is still appearing as open with the original balance that was transferred to the new account rather than being reported as closed due to lost card with a XXXX balance. The new account is also appearing with a balance. The credit reports show 2 of the same accounts : the closed reporting as open and the new inaccurately also reporting double the amount of debt. I have filed disputes with all 3 credit bureaus and contacted the company, but it has NOT been corrected. Also this company as slow and sometimes fails to produce a credit card statement, and unpredictably reports to some bureaus and not the other, and/or the credit reporting agencies are not processing the information they receive from this company and updating timely and accurately.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you REMOVE the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-04-10
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. (AL)

The information above was never proven to meet compliance reporting standards. The information was never verified to be accurate or complete. I was sent a letter stating that XXXX XXXX verified this information to experian and I have no bankruptcy on my XXXX XXXX report to verify as accrue. Viewing Type demonstrating XXXX XXXX Bankruptcy. There are some aspects of this account that I am having trouble understanding ... because its not accurate. Can you provide more information about your process for ensuring 100 % compliance across all areas? 
Lets examine Liability showing XXXX Clearly you're not a fan of compliance standards, as I can tell from how inaccurate the data for this account and my credit report is! This isn't enough to convince me that all information for the account has been verified. Prove it! I was looking at Closing Date expressing XX/XX/. There is no question that compliance with regulatory mandates for accurate credit reporting, including those related to document verifications and proofing processes has never been more important. Can you show me where your company is following all of the rules when it comes to reporting this account? I'm looking for official documentation that will prove 100 % accuracy and compliance with credit-reporting guidelines. Physical tangible proof
Consumer complaint received 2022-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ATG Credit, LLC (CO)

XXXX XXXX  UNIVERSITY IS TRYING TO COLLECT MONEY, FOR A CLASS, WHICH I NEVER ATTENDED. I MERELY INTRODUCED MYSELF, TO THE CLASS. THIS IS ALL OF THE ACTIVITY, I HAD TAKEN, IN THE CLASS. I NEVER COMPLETED AN ASSIGNMENT AND WAS WITHDRAWN, FROM THE COURSE. I SHOULD NOT OWE ANY AMOUNT OF MONEY, FOR THE CLASS.
Consumer complaint received 2021-10-27
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TN)

XXXX {$450.00} LVNV Funding LLC Through XXXX  XXXX, I have opened an account through  XXXX  XXXX a day before in my life. Let alone there is another one on XX/XX/21 for {$210.00} and I have never even applied through them. I tried to explain my identity has been stolen, but I need this taken care of because it is ruining my credit badly. Never owned anything through XXXX.
Consumer complaint received 2021-10-27
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: EQUIFAX, INC. (FL)

My information was breached by more then one breach equifax data, XXXX XXXX, & found on XXXX web since i found UNAUTHORIZED ACCOUNTS & INQUIRIES that need to be DELETED
Consumer complaint received 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

XX/XX/2021 I sent a letter to XXXX, to validate a debt that was placed on my credit report. I did not receive any response back. In XX/XX/2021, I sent them a follow up letter stating that the alleged debt was expired and to remove this off my report. Still no response. In XX/XX/2021 I sent Experian a letter to validate this debt and I still have received no response. Its been over 180 days of non communication from either party and it needs to be removed off my report
Consumer complaint received 2018-04-26
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 (PA)

I initially called Kohl 's credit customer service in XX/XX/XXXX and was advised a XXXX   was issued on my account and that the debt owed was forgiven. 

I called for 2 months weekly trying to get a copy of the XXXX sent to my proper address. Weekly, I was told it was mailed. Never received. 

At the beginning of XX/XX/XXXX, I finally received it and the CS representative admitted those were requests and it took a long time to actually be mailed. 

The information on it is incorrect. Balance and account number are not mine. 

After multiple calls, speaking with unknowledgeable representatives, they told me I would receive a fax stating the error and that my account was issued a XXXX   forgiven debt notice with my name, balance, and account number. Never received. A rude supervisor told me I wasn't being patient enough a week after it was promised within 24 hours. Never received. 

Today, taxes are past due. A corrected form was never received. Who knows if it was issued. I want a corrected XXXX sent to me with TRACKING to verify its location. 

It's quite scary that Kohl 's maintains such poor records and practices and constantly blames it on another department or their partnership with Capital One, now placing me at risk of tax audit. 

The balance continues to be reported on my credit reports and verified incorrectly by Kohl's/Cap One. A forgiven debt would mean {$0.00} balance, however, your documentation does not even match the account. 

Under the FCRA, Kohl 's is required to conduct an investigation on this account if I request it and provide the original loan application with my signature, original executed notes, history of payments, and any other documentation they may have verifying the legitimacy and accuracy of their incorrect verification and reporting of the account as stated above.
Consumer complaint received 2021-10-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NY)

Account is not valid. No balance owed. After 7 years, XXXX/IC Systems continues to report account in the amount of {$1200.00} on credit report in violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2021-10-27
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
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: EQUIFAX, INC. (WI)

I have tried to resolve this issue with the credit report Bureau but they haven't resolved so I was forced to reach out to a higher power They are violating my privacy rights and can't funish my credit report without my written approval please help me remove these fraulent hard inquiries on my credit report credit bureau are following the Fair credit report act please help me resolve and remove these hard inquiries XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX  XXXX XXXX XXXX  XX/XX/XXXX ) XXXX XXXX ( XXXX )
Consumer complaint received 2016-01-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (AL)

I attempted to acquired XXXX as my TV and internet service provided for my apartment at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AL XXXX. My apartment complex is an XXXX XXXX XXXX connected community and thus can not have XXXX XXXX. I was sent the equipment and then was told that I could not receive service. I returned the equipment via XXXX as requested. The account was closed with a zero balance two-three days later, because it was within the 30 day money back guarantee. XXXX decided to sent a debt collection agency, AFNI, INC. to collect {$41.00}. This is wrong because I can not be charge for a service I have never had. The service was never even activated, because the address was not serviceable. I have attempted to contact AFNI, Inc. but no one will answer the phone.