davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (NJ)

I took out 4 Trust Account before Wellsfargo took over from XXXX. I'm missing one. Your office needs to find it. I took one out for XXXX XXXX (Found); XXXX XXXX (Found); XXXX XXXX  (Found) and XXXX XXXX (Missing). I am very disappointed with Wellsfargo Bookkeeping that causes them to loose this account. None of the children (young adults) cannot close out or should have access without my permission or me being present. The last time XXXX Account was accessed was in XXXX XXXX, South Carolina at the XXXX XXXX They need to get their record and the information. If I have to dig, I am going to charge for my time. I have called about this account numerous time. My last time visiting a facility was last week in XXXX XXXX I have filed several complaints with the department of Banking and Insurance and the Consumer Finance Protection Bureau (CFPB) regarding this account.?
Consumer complaint received 2024-05-11
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: FORD MOTOR CREDIT CO. (CA)

Have leased XXXX vehicles through Ford Credit. Flawless payment history until the end of each lease when trading vehicle in for new lease. Both times vehicle was turned in, there were issues with the bank and dealership and payments reported as late. Have tried resolving these issues on multiple occasions.

Ford Credit customer services just says to dispute them on credit report. I have disputed them and no change. They stated there was a charge off of {$300.00}? Its always at the end of the lease with no other issues during. Ford Credit is the only negative remarks on my credit report during my entire life. I have had multiple other vehicles financed and have never missed a payment. Will not be renewing this current lease with Ford and will never by a Ford vehicle again. While looking into this, I found multiple other people suffering from the same issue with Ford Credit. It seems to be a common issue, and I caution anyone to lease a vehicle from Ford.
Consumer complaint received 2021-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA (CA)

A {$3900.00} purchase was made online on XX/XX/XXXX XXXX from my apple credit card. The package was broken when I received the product so I returned All the merchandise back to the seller on XX/XX/XXXX at XXXX : XXXX and received a receipt that showing the merchandises have been returned and a refund $ {$3900.00} was issued back to my apple credit card. 


In XXXX, the credit card billing statement still charged {$3900.00}. I contacted with apple credit card customer service stating that the merchandise was returned to the seller and I have the receipt for the refund sent back to the apple credit card. Then I sent pictures of the receipt which shows the products was returned and refund was issued back to the card to the customer service specialist though email on XX/XX/XXXX and online chat on XX/XX/XXXX. I have contacted the business where the purchase was made from many times and they state that they have issued the refund back to the card. 

After that, the apple credit card continue to charge me for that {$3900.00} merchandise which has been returned. I have contacted apple credit card many times to dispute that charge but every time they close the dispute and send me the bill to ask me pay {$3900.00} for the Merchandise which I don't have. Today I called the customer service of apple card again and they hang up the phone.
Consumer complaint received 2021-04-12
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: STERLING JEWELERS, INC. (MO)

I have repeatedly time after time have contact kay jewelers stating that I did not own this account and never had account with them. After investigating the account the creditor found that the account did not belong to me. After applying for credit I seen that the account is still being reported to my credit report with derogatory marks. I requesting to get this account removed from my report permanently.
Consumer complaint received 2018-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MA)

Citibank charged {$39.00} over-the-limit fee on my Citi Professional Card. The Credit Card Accountability Responsibility and Disclosure Act of 2009, card issuers can not charge this fee unless cardholders opt in to allow the issuer to approve transactions that push them over their credit limit. I had never opted in to allow Citi to approve transactions over my credit limit. I called Citi and they said it was part of the conditions in the terms and they have the permission. I then asked to opt out and asked them to decline any future transactions if there is no sufficient credit available. They said they do not have that option.
Consumer complaint received 2021-11-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (MO)

on XX/XX/2020, I paid a 'settlement ' amount with Amsher collection company for appoximately half of what XXXX said I owed them ( which is a whole other conversation entirely ). I am now, a year later, getting phone calls that this payment was 'declined due to insufficient funds ', which is a complete lie since I always keep several thousand dollars in my checking account. I had a confirmation number from them for the online transaction confirming that this had been paid. If this payment were 'declined ', they should have notified me immediately, not wait a year or longer to come after me and state that i still owe this debt.
Consumer complaint received 2021-08-17
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: LEXISNEXIS (MS)

I notified LexisNexis that they illegally obtained and furnished data to XXXX  in regards to a bankruptcy. This information is inaccurate and false and needs to be removed immediately!!!! 
I spoke with Agent XXXX about this matter and she acknowledged on a recorded line that the bankruptcy information was inaccurate and needed to be removed! She supplied me with case number XXXX to follow up with my dispute and removal of the falsely reported information. The bankruptcy courts do not report to credit reporting agencies and have provided information via an online statement that says that they are not a data furnisher!!! This is a clear violation of 15 usc 1692e!!!! This also violates 15 usc 1692d and 15 usc 1692g!!!! LexisNexis is civilly liable to pay XXXX per violation according to 15 usc 1692k!
Consumer complaint received 2020-01-23
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. (MA)

There is a total of 12 perkins student loans on my credit report, 6 of the student loans being reported as DEPT OF ED/XXXX with a partial account number of XXXX were transferred and closed, and the other 6 that are being reported as DEPT OF ED/XXXX/XXXX are the same as the first 6 student loans, they were just renamed and paid in full. These student loans are Perkins student loans and they have a XXXX balance, in the year 1965 a law called The Higher Education Act was put in to action to help low income students. This federal law called the higher education act, allows me as a borrower of money from the department of education to get all of these student loans deleted from my credit report once they were paid in full. These are not private loans, these are federal loans, and since these loans are Perkins student loans, by this federal law, all of these must be deleted from my credit report. I want all of 3 of the major credit bureaus, ( XXXX ), XXXX  ), ( TRANSUNION ), to delete all of these 12 student loans and obey the Higher Education Act Law.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Reached out to company in regards to Equifax in regards to fraudulent account on report. Supplied documentation and opened dispute backed in XX/XX/2022. 
Account came back " verified '' without proof & verification of debt that i requested. 
Equifax failed to remove accounts which is a violation of my consumer rights. 

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence
Consumer complaint received 2024-05-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Bitstamp USA, Inc. (ID)

I opened an account on Bitstamp in XXXX and submitted my drivers license and a selfie, as requested by Bitstamp in order to transact and withdraw or transfer assets. Bitstamp has become unresponsive to my requests for attention to the matter, and has now XXXX trading and deposit/withdrawal functionality. i have requested several times that Bitstamp allow me to close my account, and transfer assets elsewhere, given their unresponsiveness. Further, the disabling of trading has subjected my account to enormous market risk. And i am facing hardship by not being able to withdraw my own funds. Finally, on more than one occasion, I have offered to provide additional identification information, but Bitstamp remains unresponsive. I am concerned that Bitstamp may be engaging in fraudulent activity, given their actions pertaining to my account, and lack of response.
Consumer complaint received 2019-09-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Gerald E Moore & Associates, PC (OH)

Trying to settle. When I called in XX/XX/XXXX attorney said the amount is {$1000.00}, I called again in two days ago now the attorney is saying {$1200.00}. Is it suppose to change amount on a monthly basis? 
I need to settle ASAP to obtain me an apartment. 

Thank you
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: PREFERRED CREDIT INC (AL)

I have requested multiple times that this company provide proof of my authorization to inquire on my credit.

I do not recall applying for credit with Preferred Credit Inc. I did not authorize anyone employed by PCI to make an inquiry and view my credit report. They have violated the Fair Credit Reporting Act Section 1681b ( c ). They are not legally entitled to make the inquiry.

From the FCRA 616 : Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2022-04-29
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022, I sent a letter regarding inaccurate personal information and negative accounts on my credit report. To this day over 60 days later I have not received a response yet. I sent letters to all XXXX bureaus, I am being wrongfully accused of these delinquent, charged off accounts. This represents myself as an irresponsible individual. I'm being taken advantage of and being ignored of my disputes, which is costing me my life. No apartment is willing to accept my application, no mortgage lender will provide me home loans. I am XXXX!!! 


Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. 


In accordance with the Fair Credit Reporting act. XXXX, TransUnion, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy. These addresses do not belong on my credit report nor do these negative, delinquent, charge-off accounts.
Consumer complaint received 2018-02-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ROCKFORD MERCANTILE AGENCY, INC. (IL)

I was contacted from a debt collector ( XXXX XXXX XXXX ) back in XXXX of XXXX regarding a number of outstanding medical bills. I asked for verification of the charges with statements from the providers. One of them was sent and I paid via phone with a debit card to the collection agency. The other ( XXXX XXXX XXXX ) has not been able to produce a statement for verification of the charges. 

These charges are back from XX/XX/XXXX of XXXX and I do not recall ever seeing any requests for payment from them or the collections agency until I was contacted back in XXXX or XXXX. I requested statements and have yet to receive anything on this. This debt has been reported as delinquent on my credit report, but I have just recently become aware of this.
Consumer complaint received 2021-01-28
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I have told portfolio recovery that i don't owe them anything as I never opened an account with them and to stop calling my phone. They said I will be sued for the unpaid debt whih is illegal.
Consumer complaint received 2021-03-05
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. (NV)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX  ( Original Creditor : XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX AT XXXX XXXX APTS ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2022-01-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MEI AUTO FINANCE INC (TX)

I keep receiving calls from representatives from an MEI Auto Finance XXXX asking me to forward a message to someone. 

I am not an employee of theirs and have no intent to forward ANY communications. I do have nor have ever held any business relationship with MEI Auto Finance. I have demanded repeatedly that they cease and desist calling my phone number. Their calls are a nuisance and harassment. 

My number is registered on the Do Not Call list and this is not a debt owed by me.
Consumer complaint received 2021-04-12
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. (GA)

COMPANY : Equifax ACTION XXXX complainant ) : 3 notarized, written requests sent via certified USPS service to have 3 erroneously reported accounts investigated and accordingly removed or have proper proof provided of their legitimacy in accordance to FCRA guidelines. 

DATES : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ACTION ( respondent ) : 2 investigations conducted resulting in 1 of 3 accounts in question being removed. No validation of remaining account legitimacy provided. 

DATES : XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2022-01-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tate and Kirlin Assoc (GA)

On XX/XX/2022, I received a notice from Tate & Kirlin Associates , Inc. stating that they are trying to collect a debt for their client XXXX XXXX, XXXX a collection company that attempted to collect a fraudulent debt from Me last year and was removed from my Credit Reports for being a Non-valid collections account, The notice states that I owe {$590.00} and that they are willing to settle for {$170.00} for an account that was started fraudulently and I feel has stemmed from Identity Theft.
Consumer complaint received 2021-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (GA)

My brother, aunt, and I inherited my late mother 's home in XXXX. The home had a mortgage on it, which we paid off in XX/XX/XXXX pursuant to a loan payoff quote received from PHH Mortgage Services. Unfortunately, PHH Mortgage Services did not take into account our regular loan payment for that month when providing the payoff quote and, thus, the company received an overpayment when we paid off the loan. PHH Mortgage Services mailed a check for the overpayment in the name of the estate despite being told multiple times, including in XX/XX/XXXX, that our family does not have an estate bank account. 

Following our payoff of the loan, we were informed about the overpayment and told by multiple PHH Mortgage representatives that the mortgage company would issue a check in the amount of the overpayment and would include as the payees the property owners, my brother, aunt, and me, since there was no estate bank account. However, the company sent a check in the name of the estate in spite of their prior claims. When receiving the erroneous check, I contacted the company and was requested to once again send copies of the deed and probate paper. Upon sending those documents, I was informed that the check would be re-issued in our names. I followed up several times after this conversation and a new check was not re-issued until XX/XX/XXXX, and was once again issued with the estate as the payee. 

I have tried resolving this issue with the mortgage company since paying off the loan in XX/XX/XXXX, including speaking with a representative today, XX/XX/XXXX, to no avail. My fear is that the mortgage company will wait for the erroneous check to expire and fail to pay my family the overpayment it received on the account. As I have explained over and over, if their accounts payable team has difficulty understanding how to include multiple payees on a check, then they can simply refund the overpayment to the bank account from which we paid them. 

We are a working class family from extremely humble means so every cent matters to us. We feel it is unfair that PHH Mortgage Services could get away with stealing our money as a result of their own error in not providing an accurate payoff quote. 

We would sincerely appreciate any assistance the CFPB may provide.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KY)

When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

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 2024-02-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to formally dispute several fraudulent accounts that have appeared on my credit report. It has come to my attention that these erroneous entries are tarnishing my creditworthiness and standing, posing a grave injustice to my financial integrity. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

A debt validation letter had been sent via certified mail, alongside a cease and desist order. I was never given a copy of my right to resend letter either, granting me the right or not. I would like to enforce my right to resend this contract, and for my title to my car be returned to me. I would also like to file for damages because my credit report is reporting inaccurate/invalided information as well. Please help! My consumer rights are being ignored, and violated.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (AL)

Company is still reporting something on my credit to rental companies that was deleted from my public records and was closed in court. I would like to sue after being denied twice after informing them of this problem is still reporting they deny it is keeping me from being approved but it clearly is the reason Im the adverse action letter.