davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-30
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I looked at the credit report and found that this company has tried to retrieve my information without any permissible purpose. 

I am challenging them for COMPLIANCE on the Metro-2 submission process as well as the FCRA
Consumer complaint received 2018-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

On XX/XX/18 I checked my account online to find 2 unauthorized charges. I contacted them immediately both charges were pending.. they paid XXXX 2 charges {$190.00} {$240.00}. XXXX is slow to get back to me..
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OK)

On XX/XX/XXXX I mailed certified documents to update my credit report with Experian and I recived Notification on XX/XX/XXXX those documents were recieved & signed for by XXXX XXXX at XXXX in XXXX , Texas . The documents reflect there are 2 accounts ive settled XX/XX/XXXX. I have recorded & saved each call to Experian, XXXX, & XXXX XXXX. Ive also attacthed the multiple calls made as well as the date the documents were signed for. On XX/XX/XXXX XXXX i called and spoke with a representative to check status of the documents being recieved I was advised not yet & to check back. On XX/XX/XXXX XXXX I called again and spoke with a representative and was advised no documents were recieved yet & to check back I then requested a supervisor or another representative and I eas transferred to a survey & hung up on. I called back on The same day at XXXX and was advised to allow time for documents to be recieved. I called on XX/XX/XXXX XXXX I was again advised no documents have been recieved. I called again on XX/XX/XXXX XXXX and I was advised once again there are no documents recieved yet. I called on XX/XX/XXXX & I was advised no documents have been recieved so I requested another representative I was again transferred to a survey & hung up on so I called back on XX/XX/XXXX XXXX to get the same information. I called once again today XX/XX/XXXX XXXX i was told there are no documents I requested a supervisor the representative hung up on me. And here we are at this point almost 30 days later no documents recieved and Experian representatives hanging up on my while Experian continues to report innaccurate information. In 12 more days experian will be in Violation of the FCRA guidlines of putting my account in dispute status & getting my credit profile updated correctly which I will then be forced to file suit rightfully so.
Consumer complaint received 2018-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (VA)

Lease company saysXX/XX/XXXX payment 30 days past due, which is incorrect. Tried contact company several times but did not resolve. Tried disputing thru XXXX XXXX  but did not resolve. Have proof that payment was made on time. This 30 day negative remark have ruin my excellent payment history causing my score to tumble 37 points As you can see on the statement their was a problem on their system that cause a reversal on XX/XX/17, then payment was accepted that cause this problem
Consumer complaint received 2020-09-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (GA)

We were having trouble paying the mortgage before this last time and was kind of forced to sign a contract that doubled the monthly payment and add a balloon payment if we fell behind again. When Covid hit we were behind one month. I called to let Selene Finance know what was going on. I was told to just keep making the payment with the late fees included until we could catch up. So we did that for the next six months until my wife lost her job because of Covid. I called Selene Finance to ask for help they said we would be fine as long we didn't get behind two months and if we did we could just make the double payment and foreclosure wound not start. I lost my job next but my wife started a new job. I called and asked if we could do a modification after I heard that some changes had been made because of Covid. I was told that they were not a bank and that my loan was owned by investors and they only offered certain packages. One being a forbearance plan that would again double my payment. At this point, I started to research Selene and talking to just one person, when she would call me back. I started to ask who the investors were and I never got an answer. Shortly after this on XX/XX/20 I was told that they were going to send me an application for loss mitigation. I started work again and I was not able to communicate with Selene because of my hours but my wife was in contact. She filled out all the paperwork and sent everything in the last thing I heard from the lady was we needed to fill out a couple more things. We never could get back in touch with the lady we were working with. but my wife said she spoke with someone who said they have a special forbearance that came up. It would suspend payments until XX/XX/20 then we would have to pay for six months. It was the same plan and the modification was never spoken of by them again. We were sent another contract to sign and send back. But we have reached out to you first.
Consumer complaint received 2021-03-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

I called Experian and spoke to XXXX on the XXXX team who was very rude. He didn't want to file my dispute with the agency even though I explained to him multiple times that I tried to contact the agency reporting and there was no resolution. He asked me to " harras '' the agency to remove these fraudulent inquires.
Consumer complaint received 2022-04-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc (CA)

Actually this is a very serious error by Paypal. I was a part of a group of ministers that had a markeXXXX XXXX XXXX We used Paypal for the small amount we received. In 2019 I received a 1099 - tax document in my personal name. I immediately reported it to Paypal. The Paypal account belonged to XXXX XXXX XXXX XXXX. They apologized but I was not aware they had sent it to the IRS in my name. I began getting threatening letters, allegations of me not filing the taxes and demanding money from me. I contacted Paypal and they provided a copy corrected tax document which was corrected and sent to me. I submitted it to IRS. IRS has continued to aggressively threated me, pursued me and demanded payment. They claim that Paypal never submitted a corrected copy. I have writin Pay Pal over and over on the phone. They promised they would resolve things with Paypal. Paypal never responded to me or the IRS. I write the CEO and General Counsel twice and sent the mail by certified mail. Paypal still ignores me. 

PLEASE HELP ME GET PAYPAL TO UNDERSTAND THE SERIOUSNESS OF THIS MATTER. I AM SICK AND UNDER DOCTORS CARE, THEY HAVE CAUSED ME ALOT OF FEAR AND STRESS - XXXXXXXX HAS BEEN AN OPTION BECAUE I CAN NOT EVEN FATHOM BEING PURSUDED BY THE IRS. ALTHOUGH I DO NOT HAVE ANYTHING IT IS NOT ACCEPTABLE I AM SUFFERING DUE OT PAYPALS NEGLIGENCE AND NOT TAKING CARE OF THEIR ERROR WITH IRS. 

HELP ME! 

XXXX XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX PLEASE SEE DOCUMENTATION - PAYPAL IGNORES ME!
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I'm deeply troubled by the presence of this late payment on my account, as I've consistently made on-time payments. It's causing me significant distress, and I urgently request that you rectify this error by removing it from my account.
Consumer complaint received 2018-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Contacted XXXX concerning account that has been charged off in the amount of {$8600.00} from {$10000.00}. The amount is incorrect on my credit report showing {$4000.00} which is incorrect. XXXX also posting monthly that {$50.00} is past due when no arrangements were made on this account. I realize the my son defaulted on the loan however, I was trying to understand why the charge off amount continues to increase every month. I asked for information on how they are posting on credit reports {$50.00} is due and is past due. I was put on hold repeatedly advising that they were checking on this issue but never returned to the phone and left me on hold for 25 minutes.
Consumer complaint received 2021-09-14
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. (GA)

I have been disputing an ongoing issue with Equifax, XXXX, and XXXX that has been going on for well over a year. Equifax, XXXX, and XXXX are reporting a bankruptcy on my credit report that is clearly unverified. I have disputed the egregious information as well as sent documentation supporting my claim as to why the information should be deleted from my credit report. I have also filed previous Consumer Financial Protection Bureau reports and Equifax, XXXX, and XXXX continue to report the information as accurate and verified. At this point, it is evident that either a proper investigation is not being performed or they are being willfully negligent. Equifax, XXXX, and XXXX are in violation of F.C.R.A. 611 ( 15 U.S.C. 1681l ) and I am requesting that the information referenced in this complaint be deleted immediately from my consumer credit report.
Consumer complaint received 2018-07-11
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (MI)

1. We were promised 18 months interest-free, same as cash payments. But, if we fail to make a payment, then the accrued interest ( a whopping 29 % ) would need to be paid.

2. However, from the first month 's statement, it is clear that it is only 17 months. That is, even we if we paid the 18th payment on time per their statement, we would still accrue full interest. 
3. Besides, they never acknowledge a payment by an email.

4. They will not allow automatic payments.

5. All the above is a clear sign of deceptive practices intended to rip off the customer.

6. Details ( please read along with attached statement ) : a. 1st payment due is on XX/XX/XXXX. 
b. 2nd payment due is on XX/XX/XXXX. 
c. ... ... 
d. 17th payment due is on XX/XX/XXXX e. 18th payment due is on XX/XX/XXXX ( this will disqualify the consumer from promotion ).
Consumer complaint received 2023-01-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

Hi, I have banked with Wells Fargo for over 30 years for business and personal and my business accounts continue to get hit with substantial fraud, and we are well over several hundreds of thousands of dollars and it might be over half a XXXX. I have been working with the bank since XXXX and I am getting no where. They initially debited back my account for some, but then stopped. We have closed the accounts and reopened new ones and it continues. In this process I have seen some serious internal control issues with Wells Fargo, including allowing the EXACT same ACH that was flagged as fraud approved and taken out of my account that was on the previously closed accounts. 

Their controls are so poor that they also allowed an ACH transaction that was fraudulent that was above my daily ACH limit by a large amount, so it should have never gone through based on the daily limit! 

I am going to lose my business any day now because of it as we dont have the cashflow and working capital to cover the fraud until its credited back.
Consumer complaint received 2021-03-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UHG, LLC (OH)

On XX/XX/21, I received notice, via USPS, that XXXX XXXX XXXX alleges I owe their client, UGH I LLC, " XXXX, and XXXX ( {$XXXX} ) '', dated, XX/XX/21, for a " XXXX Credit Card '', with no original creditor cited. I immediately responded, via certified USPS Mail, return receipt, # XXXX, to dispute the debt in full and request validation within thirty-days ( 30 days ). A duplicate request was also sent to UGH I LLC, via, certified-USPS-Mail, return receipt, # XXXX. And a second validation notice was also sent to XXXX XXXX XXXX, on XX/XX/21, via USPS-Priority-Mail, although they had received prior notice, and the 30 day period had already begun with both parties. As the request with XXXX XXXX XXXX, was signed for on XX/XX/21, by Mr. " XXXX XXXX '', and the request with UGH I LLC, was signed for on XX/XX/21, by " UGH ''. Please see the attached letters, titled, " XXXX '', and " XXXX '', including return receipts, with signatures. After not receiving any response from either party, cease and desist notices were mailed to both parties on XX/XX/21. However, on XX/XX/21, I did receive what seems to be an inadequate attempt to validate this alleged debt from XXXX. However, it was post marked, XXXX, XXXX, and dated, XX/XX/21, well after the thirty-day ( 30 day ) period to investigate under the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ) expired. Please see the attached envelope, and letter, titled " XXXX ''.
Consumer complaint received 2018-07-12
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. (IN)

An account with XXXX XXXX XXXX from XX/XX/XXXX in the amount on {$380.00} that was due to fall off ( or already has ) was illegally re-aged in XX/XX/XXXX. I sent a dispute to Equifax and they closed the investigation without any information on why it was not deleted. I re-submitted the claim and still not information and being unresponsive. 

It has already been removed from XXXX.
Consumer complaint received 2018-03-30
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: LEXISNEXIS (NM)

Lexis Nexis Consumer Center XXXX. XXXX XXXX XXXX, GA XXXX I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished Lexis Nexis inquires regarding all personal information. 

This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.
Consumer complaint received 2021-09-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/21 and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable. I XXXX XXXX, have created and submitted this dispute solely and only for me. Do not respond stating otherwise. Thanks.
Consumer complaint received 2018-03-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

Could not pay the loan due to losing job and loss of child support. They have used a third party debt collector to contact my family threatening to serve me with an arrest warrant in the next 30 minutes. They call my phone spoofing my dad 's number so I will pick up and threatening she will be at my house in 15 minutes with an arrest warrant to go to jail. My kids are scared as am I.
Consumer complaint received 2018-03-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2018 my mother received a phone call ( which went to voicemail ) from XXXX for me regarding important legal paperwork that I needed to sign. My husband, XXXX XXXX, called them back on my behalf. He was transferred to someone who said their name was " XXXX. '' XXXX implied that a lawsuit had been filed against her regarding a credit card debt from Chase Bank that is more than 10 years old. He said we could go before the judge to dispute it. Originally, he said that he worked for a company called XXXX or something like that. He said the suit was filed by " XXXX XXXX XXXX. '' XXXX said that they tried to serve my wife papers at an address that she no longer lives at. They did have our current address, so why they didn't try that too is beyond me. 

My husband told XXXX that this debt was over 10 years old and well past the statute of limitations for collections ( which is five years here in Florida ). XXXX said that his company would send us some paperwork in the mail. When asked him for the contact information of the company he was calling on behalf of, he would not give it to us. He repeatedly asked for this, but XXXX refused and hung up. 

My husband called back and asked a woman who answered what company this was that he was called. She said " XXXX XXXX XXXX. '' He asked her to please spell that. She just repeated the name. He asked her over 10 times to please spell the name of the company, which she finally did. She would not give out any other contact information about the company. She then transferred him back to " XXXX. '' Keep in mind that XXXX said he worked for some other company that was hired by XXXX XXXX XXXX. XXXX refused to provide any further contact information and hung up. 

My husband called back again, but to a different number provided in the voicemail, XXXX, It went to the same place as the other number. He asked the man who answered for the address of XXXX XXXX XXXX, which he refused to do. Eventually, the man said that the company had " three offices '' and " which one do you want? '' My husband asked to know where the offices where so he could get the information on the proper one. The man refused and hung up. 

Everything this company is doing is illegal. EVERYTHING. We don't want a response from them, we want them shut down. If they were calling us from outside of Florida, they are most likely committing federal crimes.
Consumer complaint received 2021-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXXXXXX XXXX XXXXXXXX and XXXX both let me know that Experion business was reporting the wrong address for my business. They told me in order for them to correct their reporting error. I would have to purchase their business credit report for {$40.00} then put in writing a request that it's incorrect. I should not have to spend my money to buy a product from them in order for them to correct their error. That is very unethical. 
My correct address for is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

I made 2 withdrawals from a Santander. Bank ATM in XXXX MA XXXX store ( has their logo on it and is verified as theirs ) on XX/XX/ Tuesday. I withdrew {$400.00} and {$60.00}. This indeed came out of my checking account with this bank Santander. {$260.00} of that amount was fine. {$200.00} of that money was deemed counterfeit by XXXX XXXX XXXX on XXXX XXXX XXXX XXXX MA XXXX on XX/XX/XXXX. I am now out {$200.00} because that money that was disbursed by this bank 's ATM vendor ( their vendor so their issue to assist me ) was taken out of my account but is not valid money. This is not my fault and is not fair as I never filed this claim prior to all my years banking so I am not trying to scam or get money that isn't mine. To get this rectified, I called Santander Bank customer service ( 2 hours of working with them ) on XX/XX/XXXX. They opened claim XXXX. I called back on XX/XX/XXXX to check status. Find out it is denied. Have this escalated with customer service rep XXXX this day, he expedites and escalates to his manager XXXX in claims who is working with manager of Investigations team. New claim number is XXXX. Call back to check status XX/XX/XXXX. Find out denied again. Work with XXXX in claims again XX/XX/XXXX under claim XXXX for this same issue. I advised if they can not assist me, I will be moving all my accounts to a local credit union ( my checkings account, my credit card that I paid off with Santander, my husband 's account ). I am a good person with a good record. I am a hardworking tax paying citizen. I always want to do what is right and I never have tried to harm or scam anyone in my life. My past will show this, my bank records show this. I am not asking for anything back that is unreasonable. I just want the money that was counterfeit because it was taken out of my account.