davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERIS BANCORP (GA)

On XX/XX/2023 {$490.00} and {$490.00} was debited from my account in XXXX, Al at a XXXX gas station for diesel. I do not live nor was I any where around this area. I disputed it with my bank Ameris Bank. At that time the charges were reversed. On XX/XX/2023 Ameris Bank put the charges back on me stating that it was me. I promptly explain to them again that I was no where near that area. They are refusing to return my funds. If they look at my transactions they will see that I do not travel near that area I am a local truck driver and I only work near my home.
Consumer complaint received 2022-03-22
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. (TX)

Ive notified XXXX and Transunion multiple times in regards to a collection from creditor Capstone and the fact I dont own the debt and the company engages in violations of fair credit reporting practices. 

Ive now sued XXXX XXXX XXXX and submitted another dispute to XXXX to remove XXXX citing pending litigation against them. As a XXXX citizen it is my right to a fair trial. I will not have this inaccurate fee on my credit knowing its false. 

XXXX and Transunion needs to delete it while under legal review.
Consumer complaint received 2022-07-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

XXXX on my house was complete on XX/XX/XXXX, title company sent me checks to pay off credit cards, I got them on the XXXX of XXXX, sent them out on the XXXX of XXXX, XXXX XXXX I got phone call/text and email stating I missed a payment on my Sams Club Credit Card XXXX 
I call the customer service to ask about the {$2400.00} payment sent to the address they gave me, said they never got it. I call the title company and they tell me that the check had been cancelled for some reason and cut the new check, I got it on the XXXX of XXXX, sent it to Sams Club XXXX XXXX XXXX XXXX XXXX, Ga XXXX on the XXXX of XXXX XXXX priority with tracking number XXXX XXXX XXXX XXXX XXXX XXXX It shows it was delivered at XXXX on the XXXX of XXXX. it had my full name, address and last XXXX of the account number on it, still can't find it, please send a copy of the check and please put the full account number on it so we can try to find it, they say that they did not receive the fax, faxed again on the XXXX of XXXX, title company said it has not been processed yet and in all of this they hit me for missed payments and late fees, account balance was {$2300.00} when I sent the check for {$2400.00}, now with late fees and what ever else they charged me with, the balance is over the {$2400.00} I already sent it, they said to sent in another payment to get it caught while they look. This card is from Synchrony bank, along with my Care Credit card, they cashed the one for care credit, but it was not enough to pay it off and it had less info on the check then the one to Sams Club. 
Now if you go to their XXXX XXXX page, all the comments are negative and everyone is asking how can they do business like this and stay in business. Dispute was filed for the missing payment and was not suppose to late fee and what not, but guess what, it happened.
Consumer complaint received 2019-11-04
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Porsche Financial Services, Inc. (CA)

Since starting my lease with Porsche Financial and creating a payment portal through their website, i have suffered monthly with trying to make payments with little to no success. The website has majors issues either always having a " down for maintenance error or the site continuously refreshes itself not allowing to accomplish anything. I am a XXXX  and traveling every week to different countries and online payments are the most convenient means of managing my bills. Each month ive tried to make a payment there is a site issue and when trying to contact via phone the number provided from their own site does not work either. I've had to call other the dealership in order to speak to someone who could only somewhat be of assistance. This has now resulted in a late payment that is now effecting my credit.
Consumer complaint received 2019-11-04
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.Q. DATA INTERNATIONAL, INC. (TN)

I was first contacted by the collections company sometime in XXXX. I told the representative XXXX I had no knowledge of this and will need to do more research. She stated she understood and gave information on what to do if I needed to contact her. I repeatedly contacted the company she insisted debt was from. However, no one at the company had any knowledge of this. I filed a formal dispute and asked to not be contacted until the dispute is resolved. I havent been notified of the disputes and since then I have been harassed by this collections company. They call all throughout the day and night and speak very impolite when I do answer. Im tired of this company harrassing me and would not only like for the dispute to be resolved but also for the company to not contact me.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Hello, my name is XXXX XXXX and I am filing this letter because I am a victim of identity theft and have not made the changes on this date XXXX. There are FRAUDULENT ACCOUNTS AND INQUIRIES ON MY ACCOUNT AND I NEED THEM DELETED IMMEDIATELY. I have made my identity theft report to the federal trade commission, CFPB, and XXXX All of the following accounts listed under are fraudulent and going against my CONSUMER RIGHTS BY VIOLATING MY PRIVACY TO MULTIPLE COLLECTION COMPANIES. PLEASE DELETE THIS MISLEADING INFORMATION ASAP!
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/year>, I noticed my bank account was charged 29 times for products/services I did not personally authorize. I do not know or understand how my debit card was physically accessed overseas ( I was charged international fees 29 times ) as I was working and living in Arizona the entire time. My debit card never left my possession and I did not authorize anyone with use of my debit card. There was an initial purchase of {$52.00} from this company before I was charged {$150.00} x 29. 

When I first filed the claim, I was given temporary return of the funds stolen. On XX/XX/year>, I noticed the bank retracted the funds without notifying me. I then filed a second claim requesting that they investigate this matter further. 

Today, XX/XX/year>, I received an email message from Wells Fargo stating they were not at fault, and I was responsible for the purchases made on XX/XX/year>. 

My bank, Wells Fargo, insists that the charges are not fraudulent and declined my two filed claims. I do not accept this result as I did not make those charges of {$4700.00} ( which includes the international fees ). My bank did not offer resources to resolve this matter. My bank also refuses to acknowledge that they failed to catch these abnormal charges on my account. In the past they have suspended my account on charges until I called and confirmed purchases with them, but those purchases were online and within the United States. 

My bank also failed to notify me of these unusual activities and did not contact me to confirm these outrageous charges, especially overseas. 

The third party that charged me fraudulently is in XXXX XXXX, XXXX XXXX XXXX in XXXX, XXXX, as listed on my statement. I have never visited or purchased anything with this company. 

I feel that Wells Fargo failed at protecting their customers and did not treat this matter fairly.
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX  ) XXXX Balance : {$220.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$790.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$430.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$160.00} XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX XXXXXXXX XXXX : {$30.00} ; XXXX XXXX XXXXXXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX  Balance : {$170.00} XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$970.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 opened 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 ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX 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 2021-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX processed a fraudulent charge in the amount of {$55.00}. This amount was properly disputed with Capital One which initially credited the account and then despite the fact that the charge was fraudulent, Capital One wrongly re-billed the amount of {$55.00}. 

Also, despite Capital One promising to waive the {$39.00} annual fee, on XX/XX/XXXX, CAPITAL ONE processed a charge for a MEMBER FEE in the amount of {$39.00}.
Consumer complaint received 2022-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Charged XXXXXXXX XXXX for XXXX on XXXX card. My cousin paid for her half of the cruise on an XXXX card. Cruise postponed until XXXX due covid. Then in XXXX of XXXX XXXX cancelled cruise altogether and sent me copy of ledger page showing refund made to cousin 's XXXX card and my XXXX card on XX/XX/XXXX. My cousin received refund on her XXXX card ; XXXX said they never received my refund. Follow up with XXXX impossible as they went bankrupt. I feel confident XXXX got my refund and lost it, as my XXXX card number had changed in XXXX. I have explained situation to dispute department but all they send me are form letters saying it is untimely since the original charge was in XXXX. When situation wasn't resolved I sent certified letter to XXXX of XXXX and received a reply saying it should be taken up with Bank of America. I sent certified letter to President. of Bank of America which was signed for on XX/XX/XXXX but I never received a reply. Amount involved is $ XXXX
Consumer complaint received 2022-07-07
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: Harris & Harris, Ltd. (IL)

15 USC 1681b ( 2 ) In accordance with the written instructions of the Consumer to whom it relates 15 USC 1681A Respect for the Consumers Right to Privacy 15 USC 1681O Civil liability for negligent noncompliance 15 USC 1692C Communication in connection with debt collection 15 USC 1692D ( 2 ) Harassment or abuse 15 USC 1692E ( 2 ) ( A ) Fale or misleading representations Please help this company has violated all of my Consumers Rights and Continue to do so.
Consumer complaint received 2022-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NV)

On XX/XX/XXXX I received a mattress from XXXX that was bed bug infested. Order XXXX I set up a return and have the receipt from the ups driver with the tracking number. After waiting the amount of time XXXX told me to wait to see my credit, I called and have been calling since for XXXX years now! I was always told it was revived and the credit is either being processed or has processed and it takes time ti hit my credit card, which is my XXXX store credit card thats held through Synchrony bank. Finally in XXXX of XXXX after filling out claims directly with the credit card company i got my credit, but not even for the interest fees. But the total {$520.00} charged. The bank issued me a new credit card and I thought this was over. Then XXXX charged the same amount to my new card in XXXX of XXXX and I filed a fraud dispute with the bank at that time. They assured me theyd issue a credit and to wait the proper amount of time, and so far nothing has been done! I call every few months and each time they ask for the tracking number and my account of what and when and why I returned this item and still almost XXXX years now? Nothings being done! I stopped using this credit card and left the amount due to me as a balance and when they call Me to say XXXX late - I explain o have a XXXX balance and they actually owe me money for the finance chargers and late fees theyre applying for almost XXXX years.
Consumer complaint received 2017-11-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I am getting repeated phone calls from portfolio recovery from several different numbers all hours of day and night. XX/XX/XXXXXXXX again at XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX. They do not identify themselves when they call, they will not state the company they are calling from without an argument and are telling me that they want to collect on my XXXX XXXX XXXX. I have a XXXX XXXX XXXX XXXX in good standing and tell them I do not owe XXXX XXXX any money they claim its an old debt. I tell them that I do not owe and they get beligerent so I get beligerent back.
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit reporting act XXXX Account XXXX XXXX, XXXX ACCOUNT XXXX, XXXX ACCOUNT XXXXXXXX XXXX XXXX ACCOUNT XXXX, XXXX XXXX ACCOUNT 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2017-12-28
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. (OH)

On or around XX/XX/XXXX17 I noticed a account from XXXX XXXX XXXX # XXXX, # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, I do not recognize this account as being mines. I have no contract information or any paperwork for my review. I believe these accounts are in error please delete.FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY please follow up in writing the This is the second time I have filed a complaint over this issue.
Consumer complaint received 2017-11-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC (OH)

I noticed that a collection account was added to one credit report and it was not mine as a result of identity theft. I have been a victim of identity theft. It was soon there after deleted from that one then added to a different report. This account does not belong to me.
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the fair credit reporting act XXXX Account XXXX XXXX, XXXX  ACCOUNT XXXX, XXXX ACCOUNT XXXX, XXXX XXXX ACCOUNT XXXX, XXXX XXXX ACCOUNT 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-07-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (IL)

Midland Credit Management XXXX XXXX XXXX Ive asked each company to stop calling this is harassment and I would I like any debt it say I owe cleared however each company shows written off on my report and they are still trying to collect extra money from me after they have already reported the amounts as a lost to the IRS this is tax fraud
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have been unable to remove the fraud alert on my TransUnion credit report file XXXX. I have attempted to call and go to fraud.transunion.com. please remove the fraud alert
Consumer complaint received 2022-03-22
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. (CA)

On XX/XX/2022 I was looking for a buy a Car so I stop at a dealership name XXXX XXXX at XXXX XXXX XXXX XXXX, CA XXXX to check a car a really like. Before I decided to get a car I went to my credit union and got a pre approved loan from them. I went to the dealership and told the sales guy that I had a pre approved loan and this is the car I want. so we sat down I showed him my pre approved letter and told him I DO NOT WANT MY CREDIT TO BE SHOP AROUND BECAUSE I HAVE LOAN WITH MY CREDIT UNION. He said okay. while I am waiting at lobby I get a notification on my credit say that someone was trying to pull my credit. I called the sales guy asked him why were they pulling my credit he said in California By law they have to do that to confirm my identity. Me not knowing the law fully proceeded with the purchase of the car. the next day I Looked at my credit and I had several inquiries on my credit. it really upsetting to see this because this people completely done something against my authorization and permission. Completely dishonest. here are the inquiries that were run by them that are on my credit without my permission. 

Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX OH XXXX XXXX, OH XXXX ( XXXX ) XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Date XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2022-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2022-07-07
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. (LA)

" The Heroes Act ensures that consumers are held harmless and do not suffer further damage by having late payments ruin their consumer credit report and reduce their credit score, which in turn limits their ability to to get affordable credit or even a job. '' ( Per Heroes Act ) I was affected by the XXXX XXXX which caused me to have late payments. 
According to the Heroes Act ( Section 110401 ), - suspends negative consumer credit reporting during the Covid-19 Pandemic plus an additional 120 days. 
- Prevents credit scores from being ruined during the Covid 19 Pandemic including late payments reporting on consumer credit file and report. 

I also sent a dispute letter for late payments that I was affected by during XXXX XXXX by certified mail. The delivery tracking number for Equifax is XXXX with XXXX and was delivered on XX/XX/2022. 

I also sent a dispute letter for late payments that I was affected by during XXXX XXXX by certified mail. The delivery tracking number for XXXX is XXXX with XXXX and was delivered on XX/XX/2022.
Consumer complaint received 2020-02-08
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. (NY)

Equifax did not do what they say they would do. After submitting a dispute challenge letter to ( Equifax ). The company finally responded. ( Please see attachment for further details ). 

XXXX XXXX XXXX XXXX : Account # XXXX This account can not be completely validated or verified by Equifax. A violation of FCRA.