davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-19
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Selene Holdings LLC (NV)

Fraudulent company attempting to claim illegal rights to property. 
SELENE FINANCE LP has reported to XXXX by illegal reaging and flagged account as Loan Modification on XXXX XXXX, XXXX.by reporting personal credit report debt resolved in bankruptcy.in XXXX. Refuse to respond to multiple XXXX, XXXX  or validation as required by lending laws. Harassing neighbors at personal resident and illegal entry personal property. Failing to obey U.S fair credit laws with illegal credit reporting, aggressive & illegal business practices.
Consumer complaint received 2021-11-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (OR)

XX/XX/XXXX XXXX tried to withdraw {$800.00} from my account, Wells Fargo declined the payment for insufficient funds. Many attempts were made to withdraw these funds. 
After many more attempts were made, an associate for the Wells Fargo decided to let me know I am a divorced woman and I was given a last chance checking account, which means My account has many limits which has been on the account since opening in XXXX. 
The amount for any withdrawals can not exceed {$500.00}. 
On XX/XX/XXXX Wells Fargo charged {$35.00}. for overdraft fee which Wells Fargo forced to happen, plus refusing to pay because over limits on the account! 
With this last chance checking account Wells Fargo holds all transactions until their system makes a decision wether to pay said transaction. This causes my account to back up with so many transactions I can not make out what Wells Fargo is doing, they seem to have a lag time on last chance accounts. 

I have proven to myself I AM A DIVORCED WOMAN AND I CAN TAKE CARE OF my credit score, my recent vehicle purchase and two new credit cards all with absolutely No help from Wells Fargo!

Wells Fargo refused to allow a one time limit increase on my debit to allow the down payment to go through, that was when I was told, since I am a divorced woman, I was given an account with very limited access! 
Now my new vehicle I just purchased is in danger of being repossessed because Wells Fargo has decided to discriminate against a divorced woman. I have four direct deposits going into my Wells Fargo account and that has been set that way since opening the account.
Consumer complaint received 2021-11-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (WA)

I purchased a money order to send to my friends In XXXX XXXX Arizona on XX/XX/20. They never got it. i contacted the company 3 times and never got a responce. I have copys of the docs I sent them. it was XXXX. It has cost me not only the money but my friends as well. they don't believe the money was ever sent. This has been over a year now and I am on XXXX disablity and only get XXXX a month so I have no extra money to send them. I hope you can help me.
Consumer complaint received 2021-11-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc. (CA)

I am XXXX XXXX I am submitting this complaint myself there is no third party involved. 
I XXXX XXXX, Consumer, Natural person, and original Creditor enter a Consumer Credit transaction with Santander on XX/XX/ and a Finance charge was involved pursuant to 15 USC 1605 A Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. Santander also made me buy Insurance on the side instead of providing me with insurance everything is suppose to be included in the finance charge there aren't suppose to be any cash given or taken in a consumer credit Transaction an Santander took cash an charge me on a monthly Baisc til the Vehicle was paid in full I'm Enforcing my Rights for all payments back via mail Pursuant to 15 usc 1692 H If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions. Santander has used abusive, deceptive, and unfair debt collection practices on me making me pay deceptive debts ive been harmed in this matter emotional distress
Consumer complaint received 2021-04-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (FL)

ENHANCED RECOVERY CO L # XXXX I'm unaware of this account debt and did not have the opportunity to dispute. Please provide validation of debt, method of verification and Assignment of debt for this account. If notification was provided, please provide with CERTIFED MAIL RECEIPT.
Consumer complaint received 2022-12-16
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. (FL)

There are multiple fraudulent inquiries on my credit report. I have reached out to these credit bureaus and companies multiple times in regard to the fraudulent inquiries and they're still reporting on my credit report. 
I'm reaching out regarding these inquiries and for assistance to remove these inquiries from my credit report immediately.
Consumer complaint received 2021-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital one is using inaccurate out dated information. To perform credit inquiries, on their customers. And future customers that are seeking credit increases/lending. Capital one has been using outdated credit scores to make lending decisions on customers. I spoke with an XXXX supervisor that went over my credit score and my actual XXXX score was a 100 points higher than what capital one was using to score credit worthiness. They are pulling XXXX scores from several months prior to the date you actually make the request for credit. And making false biased lending decisions for customers. Then advertising to use a XXXX  scoring model, on their website which they dont actually use to make actual lending decisions. They have continually denied me credit increases and Im a over 4 year on time paying customer, based on false inaccurate information.
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (GA)

XXXX XXXX XXXX XXXX was opened fraudulently sold to a collection agency which removed the debt but XXXX XXXX XXXX XXXX still has it on my credit as bad debt. barclay bank deleware was open without my knowledge and is included in my police report as well as XXXX/ XXXX  XXXX  which was open under identity theft.
Consumer complaint received 2024-04-02
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Consumer Portfolio Services, Inc. (CA)

consumer portfolio services {$14000.00} company sued the other party on the contract i.e. XXXX XXXX in civil court in XXXX california in which they received a defult judgement. also company removed me from said lawsuit. company also sold the debt to a third party with my information without verbal or written consent. 

violation of the privacy act of 1974 No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).
Consumer complaint received 2021-11-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION (CA)

XX/XX/21 XXXX XXXX  purchased ticket from smartfare {$140.00}. 
XX/XX/21 XXXX XXXX  -charged pending for {$300.00}. 
I was sent an email with no purchase price just a confirmation. It says if there was a problem I needed to call them. 
XX/XX/21 XXXX - called XXXX customer service to report the problem. He said there is no nothing he could do. I asked for a supervisor. I was told a supervisor XXXX would call me back. 
XXXX I called again. Nothing happened. 
XX/XX/21 I called navyfederal credit union to file a dispute on the charges. The bank gave me a temporary credit for the amount. It was going to be investigated. 
I provided documents and confirmation with no information from the airline I was given. 
XX/XX/21 - the credit of XXXX was taken back.i called navy federal credit union again spoke agent who in turned called visa.Visa told her for me to provide a detail report of all that took place. They would see about returning the funds. 
XX/XX/21 I called NFCU again to check on the status. I was then told to give more information. I did give the information requested on the phone as we talked. They told me they couldn't get a response from the merchant about the charge. So they denied my case again. I was told to put in a claim again. It would take longer. I did. 

XX/XX/21 - Called NFCU to check status was told that it is not fraud. It was error on the merchant part. I just want to file complaint to have my funds return to me.
Consumer complaint received 2021-11-12
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)

This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached my FTC report that was sent on XX/XX/2021 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!
Consumer complaint received 2021-11-12
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. (NY)

I am a victim of identity theft. the following inquirues are unknow and not authorized by me XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-11-12
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: AMERICAN EXPRESS COMPANY (PA)

I am a consumer XXXX XXXX XXXX with Power Of Attorney over my Sole proprietorship dba XXXX XXXX XXXX I give American Express full consent to respond to this complaint I filed a dispute against American Express they failed to send documentary evidence pursuant to federal law that I asked for instead they have sent me basic statements of each month from open to close they are missing Account Ledgers showing where this money and credit started and came from. documentary evidence pursuant to federal law includes all public and private correspondence, documents, papers, books of account, account ledgers, financial and corporate. 

As stated in my C & D/Billing error notice " Notice, it is a fact, affiant is aware, American Express as the creditor may not collect any disputed amount, I the consumer and affiant, does not need to pay, the creditor can not restrict, accelerate payment or close an account and or make or threaten any adverse reporting to any person about the consumers credit standing without resolving the billing error. Such actions by American Express will forfeit its rights to collect the disputed amount as described in 15 U.S. Code 1666 ( e ) and hold the creditor liable under 15 U.S. Code 1693m for American Express for the actual damage caused to I, the affiant, as well as held to criminal liability pursuant to 15 U.S. Code 1693n for failing to provide required documentary evidence as requested to clarify and resolve the previously addressed billing error.
Consumer complaint received 2021-11-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Komyatte & Casbon, P.C. (IL)

Komyatte & Casbon P.C. has issued a debt to me without verification. This agency was issued a dispute and given explanation that debt was not applicable. Komyatte & Casbon P.C. without verification of debt sent derogatory marks to all credit bureaus that resulted in me receiving negative credit reports and disqualification of loans.
Consumer complaint received 2021-10-30
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. (TX)

I filed a dispute on XX/XX/2021 with the following credit bureaus stating that the following items attached to this message did not belong to me and has inaccurately been placed on my account. I requested for them to please remove the items, however, no response. 
The credit companies are not complying with their on company policies within a timely manner.
Consumer complaint received 2024-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (CA)

At BMO online services I deposited my Work check the check was approved. I had an email saying it was approved. It would take two days business days for the funds to be available. They are now saying that they are putting a 10 day hold due to making sure the check will go through Mind you this is been my normal payroll for a while. Only difference is I used to get direct deposited but because of fraudulent activity on my account we had to change the checking account number so I had to also change my direct deposit but this is always been my bank since Ive been working for over 10 years, I feel its an unnecessary amount of days for a local check that I couldve walked into. The check is a XXXX XXXX check from my employer and the check is only for {$1800.00} I feel that Im just being taken advantage of.
Consumer complaint received 2024-04-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: A&D Mortgage LLC (GA)

I have been in communication since late 2023 to inform them I endured an unexpected medical event / health issues resulting in financial duress. I have requested information or assistance with modifying the loan but have not received information back. I requested audit of the account because I made payments that were not applied to my account. As of the date of this complaint I am still awaiting a response back from the company. I have submitted correspondence to the company to no avail.
Consumer complaint received 2023-07-25
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 (NY)

on XX/XX/2023 letters were mailed to capital one and all XXXX credit company to validate my credit report under 15 U.S.C. SEC 1681i ( a ) XXXX, XXXX, XXXX XXXX are still reporting false information this account was charged off.05/18/2018 but still showing last date reported XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023. 
Also XXXX XXXX never responded to none of my 30 days letter to Validate Account
Consumer complaint received 2022-05-19
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. (AZ)

I XXXX XXXX sent a cease and desist to Experian via USPS certified mail # XXXX which was delivered on XX/XX/2022. In my cease and desist I demanded that they remove numerous information and accounts that were unverified from my Experian credit report. Experian responded via dispute results # XXXX and # XXXX in which they stated that the information in my cease and desist was verified. I requested a full description of the methods and procedures used in their reinvestigation pursuant to 15 USC 1681i ( 6 ) ( B ) ( iii ), my request was sent via USPS certified mail # XXXX and was delivered on XX/XX/2022. Pursuant to 15 USC 1681i ( 7 ) ( A ) a consumer reporting agency shall provide to a consumer a description of the methods and procedures of reinvestigation upon request by the consumer no later than 15days from receiving a request for description from the consumer. It has now been XXXXdays since my request for description was received by Experian, and I have not recieve a detailed description of the methods and procedures used to verify the information on my Experian credit report. Experian has also continue to defame my character publicly by continuing to report the information and accounts in my cease and desist.
Consumer complaint received 2021-11-12
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. (MD)

I originally had 3 fraudulent derogatory marks on my XXXX credit report and 2 fraudulent derogatory marks on my TransUnion report from the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. My insurance provider covers my visits to the XXXX XXXX of XXXX and I have never gone to XXXX XXXX XXXX XXXX. I disputed the mark from XXXX XXXX XXXX in XXXX with XXXX and it was briefly removed but then put back into my report after some time. I have been disputing the XXXX XXXX marks with both XXXX and TransUnion from XX/XX/XXXX until XX/XX/XXXX with no success. Every time the marks where removed from my credit report, they have been inputed back in for the same number of marks and amount by TransUnion or for double the amount and have increased the original 3 derogatory marks to a total of 7 derogatory marks by XXXX. I have spent a lot of time and effort trying to dispute these fraudulent marks for several years online and over the phone, each time the marks would be removed and then added back in some time later. The most recent action I took was in XX/XX/XXXX, but the marks were recently added back in by both XXXX and TransUnion.
Consumer complaint received 2021-11-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MI)

approx XXXX of 2018 chase bank closed my business checking account, with no explanation, freezing my access and withholding both my money and statements, necessary for taxes, with no explanation by phone or in person. 

I was directed to go to a branch for my local deposit, which had no answers either. A simple transaction, where I opened a savings account on chase bank 's online banking platform, funded with existing funds from my business checking account, somehow was the root cause of this, yet no explanation was offered. 

When calling by phone to try to investigate this matter, one of the representatives mentioned that someone else contacted chase and was given information regarding my account, at which point I made it clear that I had never authorized access to anyone else, nor did anyone else have the login credentials, and was met with rude responses in the face of an obvious security issue. 

All my business transactions are fully documented, with invoices and paper trails, yet chase refuses to provide an explanation for why they froze me out of access to my money and statements, and continues to refuse to provide even basic checking services for my business.
Consumer complaint received 2021-11-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (VA)

In XX/XX/XXXX, Navy Federal took {$2000.00} from my checking account to pay off my credit card balance I had with them at the time with no permission. They took it upon themselves to pay themselves without my consent.
Consumer complaint received 2021-11-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have been violated by XXXX XXXX XXXX  on XX/XX/2021. This is the second time I am filing a complaint about the same issue. I am a victim of identity theft and did not give permission to anyone for assumed access to my information. Transunion is now negligent in failing to comply with the U.S. Codes of Law.

I know my rights and am protected under the following laws by the United States Court of Law : 15 U.S. Code 1681n 15 U.S. Code 1681o Please have this inquiry removed from my credit report.
Consumer complaint received 2023-10-03
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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