davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-19
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (CA)

Hello. 
Around XXXX I was paid by XXXX by my employer and was at home and asleep in bed when that money from my job was loaded to my direct deposit card. As I awoken at XXXX. I turned to call my partner from my cell phone shortly after we hung up I went to check my phone around XXXX to discover at the same time my card was hacked around XXXX to about XXXX three illegal transactions were made one was for XXXX the next was for XXXX XXXX all from a XXXX in XXXX. Mind you I am about 10 to 12 miles from XXXX XXXX XXXX. And its would truly be impossible for me to be in two places.. my gf helped me look up the bank it happened at around XXXX she called in my behalf to see if she can possibly find out if the camera at the at it happened at caught the person but they refused to tell her anything if course. But at the same time at XXXX I went to my employer and had to pick up my proof of XXXX check stub to prove this account was my account that got hacked.. I was told they needed my pin but knew this happened to me before from a security guard company that also had eazy to hack pay roll cards cus I was hacked from an entirely different state 3 years back and the money was return months later. But in this issue it happened so fast I wasn't able to freeze it because it happened as I was looking to make an in home bill payment and didn't even process it because there was only XXXX left in my payroll card account. I called the US Bank focus card customer service hotline to start the dispute but they are lagging to send me any documents to prove this information as fact the are doing the investigation but how is it that me and my XXXX  XXXX figure this out faster then my payroll card company I was XXXX. I gave no one my card info or my bank pin to use this so my only fear is that this person whom ever they maybe has been either using an old cell phone that was stolen month back which did have info but not my pin but how idk I am aborting this issue because my phone was stolen at a job site then I have a new phone and secure all info with protective codes. So for this hack to happen at an early morning time where I can prove I was home the whole time makes no sense by the end of the day I am left feeling robbed pushed aside and insulted over this action of fraud an false identity and illegal transaction of thift.. 

This happen at XXXX XXXX .early.friday morning XX/XX/2022. I was home. Please help me
Consumer complaint received 2022-03-19
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: Resurgent Capital Services L.P. (PA)

Dear XXXX, Fraudulent accounts are being listed and I believe these to be violating my personal report and I want them removed. i don't know who LVNV FUNDING LLC is but they don't even have a license to collect in my state so I'm confused as to why the are being listed on my stuff
Consumer complaint received 2022-03-19
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. (PA)

Dear Equifax, Fraudulent accounts are being listed and I believe these to be violating my personal report and I want them removed. i don't know who XXXX XXXX XXXX is but they don't even have a license to collect in my state so I'm confused as to why the are being listed on my stuff
Consumer complaint received 2022-03-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings (AL)

All my collection accounts show account open. Per FCRA, a collection account can not report a collection as open account. I want all collections removed. This is a violation of the FCRA. All these accounts have errors. I want these accounts removed. Not closed as other accounts I disputed. I want these accounts removed. All three Credit bureaus are allowing these accounts to be in violation. Im tired of being defrauded. I want to sue all these collection companies. Please help me!!
Consumer complaint received 2022-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (TX)

I have been trying to contact for payment and settlement of balance for a reported tradeline by Wells Fargo Home XXXX since the start of XXXX. I have issued a formal debt validation letter, to which I have seen no reply. I submitted multiple disputes to the Credit Reporting Bureaus, including XXXX, XXXX, and XXXX, all of which respond with the same boiler plate terminology " THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. '' To meet this criteria, I understand there is minimal burden of XXXX XXXX XXXX compliance standards, whereby Wells Fargo effectively utilized an auto-dispatch response without addressing the merits of my concerns. As recently as today, XXXX, I called them again and asked to remit payment to closet this account. I was told that they could not help me. They would not provide me with a phone number to the office for Debt Settlements and Collection. When I asked if they had an address to mail another letter, the customer service representative advised they did not have this information. I asked if I could have a copy of the phone call we just had in transcript or audio format, and they responded with " No, I'm sorry we can not help you ''. I am being denied my right to validate the debt. I am being the right to remit payment against the debt. I am being denied my right to seek origin of the debt. The debt itself is fraudulent in nature and dates back to XXXX of XXXX. I can not address anymore due to state Statute of Limitations and Wells Fargo had no interest in pursuing the company that defrauded me in XXXX - Storm Tight Windows. I provided strict evidence of all elements within this tradeline to justify, at minimum, a response to my dispute with some opportunity to seek reimbursement. I am being ignored while Wells Fargo continues to tarnish my credit with recurring monthly " Charge-Off '' derogatory status updates over and over again. As a professional, global banking institution, this is not an above board practice and undermines the reputation of Wells Fargo and their consumer practices. This Wells Fargo Home XXXX tradeline ( 1 ) was never used ; ( 2 ) is now 7 years and 2 months old since date of approval and inception when I was a first time homebuyer in XXXX ; ( 3 ) is currently reporting derogatory as recently as XX/XX/XXXX as a " Charge-off '', and has been each preceding month against my quantifiable, aggregate number of derogatory accounts ; ( 4 ) has never taken interest in resolving my original claim of fraudulent activity against Storm Tight Windows, with whom their recovery efforts should rightfully be sought ; and ( 5 ) has demonstrated an utter negligent degree of consumer interest, one of such an extent it is my belief this particular institution should be investigated and considered for debarment from direct consumer retail credit card issuance and banking altogether.
Consumer complaint received 2022-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

THIS UNATHORIZED PUBLIC RECORD IS VIOLATING MY FEDERAL CONSUMER RIGHTS. ITS DISTURBING TO SEE THAT THE CREDIT REPORTING AGENCIES ARE REPORTING SUCH INFORMATION WHICH IS CAUSING ME TO NOT MOVE FORWARD WITH PURCHASING A HOME. THIS IS A DEFORMATION TOWARDS MY CHARACTER AND CREDIT WORTHINESS. I TAKE PRIDE IN MY PUBLIC INFORMATION PLEASE ADVISE AND REMOVE IMMEDIATELY.
Consumer complaint received 2022-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (WA)

I received a letter from Freedom Mortgage around XX/XX/XXXX. The first letter was a letter for non payment of XX/XX/XXXX payment. Also a letter for returned mail from my proper mailing address. 

I contacted Freedom Mortgage On XXXX and they told me that I did not make my XXXX payment and told me to call back Monday. 
I called Monday XXXX and the representative told me they were not responsible for fixing the problem as the loan servicing had been sold. 

I contacted my original mortgage processor who got me in contact with XXXX old supervisor. 
He told me that they probably would not fix the problem.

I have paid all of my payments on time. The online payment application was always glitching for approximately the first six months of payments. I paid a total of {$3000.00} for XXXX which included the main monthly payment. Somehow the total was applied only to the principal with nothing applied to the main payment. 

I want this corrected to show the payment that I made, the interest paid recalculated, and I would like the {$1900.00} in late fees refunded to me. I have the payment history and will attach it. 

Thank You, XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2019-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo refuses to answer a phone call or they put me on hold or transfer me or hang up on me in regards to my open case I got a letter from the attorney general and the office of the commercials and it says that I was supposed to be doing a settlement or having a settlement with Wells Fargo just to call simple as that but not so I called in there give me the runaround they will not respond to me so XXXXis my  number thanks
Consumer complaint received 2022-03-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc. (NC)

Dispute department at money lion I filed XX/XX/2021 XXXX $ unauthorized charge I provided invoice showing paid in cash. The Merchant has never replied. by law merchant has 20days to respond money lion and XXXX has 45 day policy it has been over 100 days without a response you would think my bank would have customer care s priority I assure you they do not I've never experienced the withhold time frame an almost skimming like actions taking your funds an the inability to correct their systems error
Consumer complaint received 2019-08-08
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: Experian Information Solutions Inc. (FL)

In XX/XX/2012, I call the company ( XXXX XXXX XXXX  ) to pay off the account. They told me the account was sent to the collection company. I've tried to pay this account for the past 7 years with so many collection companies. It's been over 7years it needs to be removed from my credit report.
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AVANTE (FL)

I canceled my insurance with XXXX insurance in a timely manner so I will not be charged. I went with another company. Which is XXXX. I attached documents showing that I had insurance with XXXX. I shouldnt have a debt in collections with XXXX  insurance. By law a driver can only have one form of car insurance.
Consumer complaint received 2022-03-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (CO)

I was on online searching for a puppy, when I came upon XXXX XXXX XXXX i sent them {$800.00} through XXXX  through money transfer for a puppy. i never received a puppy. he was supposed to ship the puppy the next day. the next day i received an email from a fake shipping company telling me i needed to purchase an electronic crate for {$1200.00} or they would not be able to ship the puppy and I will get it refunded back once the puppy arrives. there contract said all shipping would be handled by them so i forwarded the email to them. he claimed he knew nothing about this and pleaded with me to pay the cost of the crate which i refused. So he said will pay {$600.00} and if I could do the {$900.00} I did and next the shipping people said XXXX would not allow them to fly out without a permit. I declined and said this was a scam and I wanted my money back and he said he was lost money also and that if I could pay for the permit which was {$1800.00} that I would not have to pay for anything else. I immediately contacted my bank and filed a dispute. They told me that my claim was denied due to I authorize the charge and there was nothing for them to do. I am still trying to fight this and get my money back. So far no luck.
Consumer complaint received 2022-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

I applied for a Chase credit card after receiving a message in the mobile app that I ha

d already been approved. However, after submitting my details, I was not approved, and have been led to believe my application is still conditional on some variable, which is directly contradictory to the notion of pre-approval. We have received your request for a Chase credit card. We'll let you know our decision by U.S. mail. This could take up
to 30 days.
Consumer complaint received 2019-08-08
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. (FL)

In XX/XX/2012, I call the company ( XXXX XXXX XXXX ) to pay off the account. They told me the account was sent to the collection company. I've tried to pay this account for the past 7 years with so many collection companies. It's been over 7years it needs to be removed from my credit report.
Consumer complaint received 2019-08-08
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: EQUIFAX, INC. (FL)

In XX/XX/2012, I call the company ( First Premier Bank ) to pay off the account. They told me the account was sent to the collection company. I've tried to pay this account for the past 7 years with so many collection companies. It's been over 7years it needs to be removed from my credit report.
Consumer complaint received 2022-03-19
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. (CA)

I am attempting to file a dispute with Equifax, however the Equifax online portal will not accept supporting document uploads and messages that their service is down. I attempted to call Equifax during the published business hours on the Equifax website. The answering message confirms the operating hours that are published the Equifax website but says the office is closed and to call back during the days/hours in which I am currently calling. The instructions then suggest to mail the following to Equifax to initiate a dispute : SSN, picture of drivers license, all addresses with in the last five years, along with the request. I would never send all of this information in regular mail, however this seems to be the only way to initiate a dispute with Equifax at this time.
Consumer complaint received 2019-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

My Shop Your Way Mastercard issued by Citi cards has had its credit limit declined twice in 4 months adversely affecting my credit, despite me not having any late payments with the company and paying more than triple the minimum payment due. Every time I make headway in paying down my balance ( which is only {$3500.00} now ) my credit limit is decreased to only hundreds of dollars of what I owe. 

As a result, in both instances, my credit score has been impacted and taken a hit, affecting my ability to refinance my house or make other purchases. 

The first time my credit was decreased was on XX/XX/2019 from {$5000.00} to {$4600.00}. At that time I owed {$4500.00}. The last time was XX/XX/2019, where my credit was decreased to {$3700.00}. After the XXXX instance, I called and was told that if I made payments for 6 months, I could get my credit increased again. This last time, I was told there was nothing they could do. 

The credit was decreased because of a charge off I that was reported and that I am disputing with one credit agency in particular. The credit card issuer in that instance is working with me to fix the situation. However, the person I spoke to at Citi said there was nothing they could do. 

I am considering retaining an attorney because of the damages caused by this situation. I'm sure I'm not the only one.
Consumer complaint received 2022-10-27
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 cannot furnish a account without my written instructions

15 U.S.C 1681c. (a)(5) Section States: no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 (A)(1) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX has violated my rights privacy 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

My Wells Fargo account was hacked on XX/XX/2022 and two fraudulent wire transfers removed {$22000.00} dollars from two seperate accounts. 
1. {$13000.00} from a XXXXXXXX XXXX  account ending in XXXX XXXX. {$9000.00} from a XXXX XXXX XXXX account ending in XXXX Both accounts have since been closed. I filed a fraud claim with the Wells Fargo Fraud Department on the XXXX of XXXX concerning this matter. Today I received Two resolution of fraud letters stating that on XX/XX/XXXX I authorized a wire transfer for {$13000.00} and {$9000.00} for the benefit of XXXX XXXX. As the money will not be returned from the receiving bank, we are not able to reimburse you. 
At this time we consider your inquiry closed. 
I at no time ever approved a wire transfer from either account on the XX/XX/2022 or any other date.
Consumer complaint received 2022-03-19
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: EQUIFAX, INC. (RI)

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX I have never apply for this account and it shows up as a hard inquirie I want this remove.
Consumer complaint received 2022-03-19
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: Experian Information Solutions Inc. (RI)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX ( XXXX ) XXXX I have never apply for this account and it shows up as a hard inquirie I want this remove.