davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (AL)

My payment was due on XXXX. It had been mailed a week in advance. On XXXX Wells Fargo emailed me and said a payment had not been received as of the due date. I assumed my payment was lost in the mail, so I immediately did a bank transfer. The next day the Wells Fargo web site shows my original payment had been credited on XXXX, the day before the email had been sent. My second payment was credited the day it was sent on XXXX. Now Wells Fargo is telling me it will be returned in 11 business days. 1 ) Why was the email ever sent on the fifth if payment was received and credited on the 4th? I am not their only customer, so how many others did what I did? 2 ) Why does it take 11 business days for Wells Fargo to return an erroneously solicited second payment when it takes me less than two minutes? This is ridiculous. The program could easily and simply check to see if a payment has been made just before an email is sent, not the day before, and Wells Fargo can certainly schedule a just refund as quickly as I can. Wells Fargo still has not learned anything about customer value.
Consumer complaint received 2022-11-19
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. (TX)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2018-02-13
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. (MI)

XX/XX/XXXX - Received an alert from TransUnion via XXXX that XXXX XXXX XXXX XXXX had requested credit inquiry. 

XX/XX/XXXX - I contacted XXXX XXXX XXXX and informed them this was not me.
Consumer complaint received 2024-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

3rd Attempt : This account XXXX XXXX XXXXOriginal creditor : XXXX XXXX  Account Number XXXX Original balance {$5500.00} was removed from my XXXX and XXXX Credit Report. TransUnion has refused and fail to remove this account from my Credit Report after I have provided proof of ID Theft and the other credit bureau removing this collection account from my credit report. All three credit bureaues ( XXXX, XXXX, & TransUnion ) should be reporting the same information. This is not 100 % accuracy and against the law to report inaccurate information on a consumer 's credit report. The actions of TransUnion, XXXX XXXX, and XXXX XXXX XXXX are in violation of consumer protection laws, specifically the Fair Debt Collection Practices Act, 15 U.S.C. 1692, et seq. and FCRA 605B ( 15 U.S.C. 1681c-2 ). I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
Consumer complaint received 2020-08-29
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: Experian Information Solutions Inc. (NY)

I asked for an investigation into incorrect accounts reporting on my credit file nearly 70 days ago. I sent a complaint stating the amount of time passed with no response as being highly unprofessional. The bureau replied stating that i was not me and that i had hired a credit repair agency on my behalf. that as far from the proof. I dont need anyones help to know what is mine and what isn't. These accounts are incorrect and need to be deleted immediately as per FCRA.
Consumer complaint received 2020-08-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

I contacted this company on XX/XX/XXXX at XXXX because I received a call on XX/XX/XXXX through voicemail from a women named XXXX XXXX from a company by the name of XXXX XXXX XXXX that it was an attempt to collect a debt. I called on XX/XX/XXXX and gave them some pin number XXXX left on my voicemail. I was told that I had a debt of XXXX and something and they were collecting on behalf of citizens bank. I never received a letter in the mail verifying any information that I have a debt with company. Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent. I would like verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment.
Consumer complaint received 2020-08-30
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: EQUIFAX, INC. (GA)

I reserved a car on XX/XX/XXXX at XXXX to be picked up on XX/XX/XXXX I paid nothing and only gave them my drivers license .Never signed anything or gave them my SS # I picked up the car on XX/XX/XXXX at which time I was given a receipt for the amount put on my credit card.I was then shown a tablet and asked to initial XXXX : insurance and dogs. I was NEVER at any time given the entire lease agreement nor again did I give any XXXX my SS # After I had signed I was emailed the statement but had to search for the terms and agreement, again this was not discussed or shown at the time of pickup. 
I was notified by credit monitoring that XXXX pulled a credit report on XX/XX/XXXX ( when I reserved the car ) and again on XXXX when I picked up the car. 
Again I never gave them my ss # nor was I given or did I sign or read the lease provisions at any time while at the location.. 
I want XXXX of those requests taken off my credit report as they had no right to pull a credit report prior to me actually signing for that car. 
That makes XXXX dings to my credit report
Consumer complaint received 2021-09-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (AL)

I received my annual escrow account disclosure statement XXXX XX/XX/2021. The statement reported that I had a surplus of {$470.00}. It stated that they would be sending me a check for the surplus. I never received a check and it is still showing in my escrow. On XXXX I contacted them via phone and received a callback. When I asked them about the statement and the check, she said that since it was so long ago that she would have to check to see if they would still be sending me a check and that she would send an email to that department. When I told her the surplus was still showing in my account she stated that she would still have to send the email. I asked how I was supposed to know what the answer was and she just stated that she would keep an eye on my account. 

**Another issue is that this company canceled my escrow for my homeowners insurance. I asked her why and she stated that they could do that if they wanted to. I asked her to please send me something showing that they could do that and she stated that I would have to submit something in writing to them in order to receive something in writing from them. I made a previous complaint on this company regarding their failure to pay my taxes and insurance. I believe they canceled my escrow due to this.
Consumer complaint received 2021-06-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc. (FL)

I am writing to you as a last resort to resolve this issue and upon the advice of the clerk of the court in XXXX, Florida prior to filing a writ. I have attempted several times to have this removed from all 3 credit reporting agencies to avail. OnXXXX, XXXX XXXX representing a company known as Amerassist contacted me via email requesting that I pay his company {$1500.00}. I advised XXXX that I do not know what he is referring to and requested verification. I received on XX/XX/21 a copy of a contract from XXXX highlighting a company XXXX, XXXX that I had previously done business. I immediately advised XXXX XXXX that his request for payment has been denied on grounds he was unable to produce any documentation that indicated a contract between myself and Amerassist. XXXX XXXX continued to send harassing emails to me on a repeat basis ignoring my notice to cease and deceit. Additionally, XXXX XXXX has entered a hard inquiry on my credit report without the required permission and in violation of the FCRA. It is my belief that this was conducted as a retaliatory act and with the direct intent of lowing my credit score even further.
Consumer complaint received 2021-06-25
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: MUFG AMERICAS HOLDINGS CORPORATION (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2022-11-18
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: AMERICAN EXPRESS COMPANY (CA)

Applied for the American Express Platinum credit card over the phone in XXXX. The agent told me that I was qualified for a XXXX membership rewards points if I spend {$6000.00} within 6 months. Couple days later, I chatted online to make sure the offer sticks with the card ( see attachments ) and the answer that I was told was yes. 

Two months later, I was told the welcome offer was rejected. After the {$690.00} annual fee was paid as well as {$6000.00} spend requirement was met. Between XXXX and XXXX, I have been waiting for a resolution from Amex and the compensation that was offered was {$50.00} statement credit and they said no further escalation that could be done. Ridiculous.
Consumer complaint received 2021-06-25
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: JPMORGAN CHASE & CO. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (SC)

I am filing a report against Santander consumer due to account is on my report after it was agreed to be removed on XX/XX/2018. 

I have sent a letter and spoken with several representatives, requesting for them to remove and which they agreed. 

However its still showing and reporting negative on my credit report.
Consumer complaint received 2018-03-09
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: TrueAccord Corp. (MD)

On XX/XX/XXXX, I submitted an online dispute at XXXX  regarding the account XXXX XXXX. My dispute was on the basis that as of XX/XX/XXXX, the account balance of {$840.00} was paid in full. I included my emailed receipt confirming this payment. On XX/XX/XXXX, I received an email from XXXX stating that the dispute has been updated. Upon review of the account, it now reports, " Account charged off. {$840.00} written off. '' Considering that the account was paid in full, the status should reflect that it was " paid collection. '' I contacted XXXX customer service on that date and was told that XXXX XXXX is denying receiving payment. I was also told that when disputes are initiated, the authenticity of the supporting documents are expected to be verified by the original creditor, thus they have the final say. This is ridiculous! Regardless of what XXXX XXXX is stating, I submitted proof that the account has been paid in full, therefore my credit report should be updated to reflect " paid collection. '' XXXX is neglecting this proof.
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

There was a recurring fraud charge on my account around XX/XX/XXXX. The charges went on for a few months. After being investigated Capitol One deemed the charges as fraud. They sent a letter saying that all the charges were removed. However, they continued to send me bills thereafter. Confused, because the account should've had a XXXX dollar balance after the fraud charges were removed, I decided to call. We found out that the additional charges were late fees that were due to the fraud charges that were reversed. Therefore, the late fees correlating to them should have been removed as well. 

After disputing it with Capitol One directly I still had no results though they agreed that the charges were from the late fees of the fraudulent charges. I disputed it via XXXX XXXX after getting no results from Capitol One directly. That dispute was also rejected. I have disputed the late fees on the account from XX/XX/XXXX to this day, XX/XX/XXXX. 

I spoke with a representative about 2 weeks ago that assured me that the problem would be handled in the next 5 days as she was escalating the issue. I explained that at this point it has dragged my credit down for months now. It is not currently charged off and I still have no answer and a, now, damaged credit score that is preventing me from buying assets. Please help! I have spoken to about 10 different representatives and I still have no answer or help!
Consumer complaint received 2018-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Unisa, Inc (MA)

I had a direct student loan that was being serviced by XXXX. While under XXXX, I had zero issues. However, that company underwent a buyout and in the process of doing so sold some of their loans to UNISAINC. UNISAINC makes almost no effort to indicate that payments are due - the only notification from them that either I or my girlfriend ( who also has loans serviced by them ) are letters in the mail that often arrive on the date of or after the payment due date informing us that we owe money. Since both of us are proactive, this isn't a huge problem for us personally but could be one for other borrowers. Our main problem is in how difficult UNISAINC makes payments. Every. Single. Time. I go to make a payment online, their website is having issues. Sometimes it will log you out for clicking the wrong link. It is frustratingly slow. They make it difficult to access the payment page. Most frustratingly, there are entire *weeks* where you can not access their website. I understand that the CPFB is better able to serve with specific information - however, there are no specific dates or actions that stand out in particular. This is a repeated problem since UNISAINC has become our servicer. Unfortunately, payment by mail is not an option due to the aforementioned inability ( or unwillingness ) of UNISAINC to contact us in a timely manner. Unfortunately, payments over the phone are not an option as well since their phone lines close after work hours. Additionally, when I have made payments in the past, they have taken longer than their stated processing time to apply the payments. This has caused financial injury to me as I have overpaid as a result of their negligence. 

It seems obvious to me that UNISAINC is willingly engaging in practices designed to make it more difficult for borrowers to repay their debts. 

Attached is a collection of receipts from UNISAINC and a screencap taken as I tried to log in to my account and pay on XX/XX/2018
Consumer complaint received 2018-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Credit and Collection Service, Inc. (OR)

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Capital Credit & Collection Service , Inc .

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Re : Acct # XXXXXX To Whom It May Concern : This letter is in response to your recent claim regarding Acct # XXXXXX, which you claim I owe {$870.00}.

Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested.

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute validation.

I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX SSN : XXXX Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Consumer complaint received 2018-03-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NJ)

I wired {$10000.00} from my bank to Coinbase on XX/XX/XXXX, which was supposed to appear in my XXXX  account immediately. Since then, I've called many times, each time they're telling me that a specialist will get back to me. I've also emailed many times to which nobody has replied. I've messaged them all over social media to no avail. It's now XX/XX/XXXX and I still have not been contacted by anybody, not even to say that my case will be looked at eventually. Please help me, that's all the money I have.
Consumer complaint received 2020-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc. (CA)

I am reaching out to you because I have tried multiple times before to solve this issue with XX/XX/XXXXXXXX XXXX. Before the pandemic started I had a membership with them, then they closed because of COVID but they kept charging me so I called them to let them know the issue and to cancel my membership. They refused to cancel it over the phone and I was told I had to come in person to do it. Keep in mind, they are closed because of COVID, everyone was supposed to be in quarantine and they really asked me to come in person. Anyway, I did actually visit them 3 times and every time, nobody was available to cancel it. So I decided to call AGAIN and try to cancel it AGAIN while they were still charging my card. Oh, and lets not forget the time when they charged me {$420.00} by mistake and couldnt refund it back to my card so I had to dispute the transaction with my bank. Anyway, this time I told them that they needed to cancel my membership and I did everything in my power to do so but they were not helping at all and were being very difficult. It seemed to me like they did not want to do it so they could keep charging me. So apparently I finally got a hold of someone who said they had already cancelled it and that I shouldnt be charged anymore. BUT, the next month they charged me double the amount of my membership. So I called and their response was that it was an annual fee for equipment maintenance. At this point Im very frustrated already. I thought my membership had been cancelled I said, so I found out that it had not been cancelled and I was still getting charged. So, i asked again to please cancel it and refund me my money, they said they couldnt do it. So I went to my bank and disputed the charge AGAIN and called them back and CLEARLY told them they need to cancel the membership this time for real. And apparently it seems like to this day they have not done so because I received a letter from First Credit Services saying I owe {$300.00} past-due obligation. Really?? I need to speak to someone about this please because this is fraud. I dont know what else to do at this point. I have tried everything I could and this has gone way too far. I have proof of an email I sent to the manager back in XX/XX/XXXX asking them to stop charging my card and to cancel the membership.