davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current (KY)

My debit card number was used on XXXX XXXX XXXX XXXX XXXX XXXX. I didnt receive any notifications that my card was used, a week later my card declined so I checked the app and noticed multiple transactions totaling {$1500.00}. This occurred thru XXXX XXXX XX/XX/XXXX. I immediately contacted Current about the unauthorized charges ( which uses XXXX XXXX XXXX as the issuing bank ) I received a form & filled everything out regarding the unauthorized charges. I was told the investigation could take up to 90 days. Fine, thats the law. I contacted a month later regarding a update and was told it would be expedited and I would receive a update soon fast forward to 2 months 91 days since the dispute was filed and I still have yet to hear anything. I contacted them on the 90th day and was told that it would be expedited again. I asked if they knew the law was only 90 days and was told Yes, they knew but they couldnt do anything. I just want my hard earned money back! 


Checking account # ending in : XXXX
Consumer complaint received 2022-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I've disputed these accounts multiple times and they are still illegally being furnished on my credit report. XXXX even removed an account THEN put it back on my report with absolutely no explanation.
Consumer complaint received 2020-10-31
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Asset Collections Inc (NC)

I had a very old car debt in the state of XXXX from XXXX and then i lost my job, moved away, the debt was past seven years which is the allotted time limit for debts to be removed or expired from your credit reports. They sued me in the state of XXXX without notice and i don't live in XXXX and i purchased the car in XXXX where I'm from also was living. So they are illegally garnishment my wages to my part time seasonal job, that only last 4months out of the year. They are still doing it to this day XX/XX/XXXX without any legal paperwork mailed to me or delivered.I now live in XXXX XXXX for the last 6years! The company is Asset Recovery Sulution LLC.Debt Collector
Consumer complaint received 2020-10-31
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Specialized Loan Servicing Holdings LLC (CO)

You never reported my account to the credit bureaus? Why? Also it is showing on my account that I was late 60 to 90+ days which is not supposed to be the case. On XX/XX/2020 you did approved my account for a forbearance from XX/XX/2020 to XX/XX/2020, then in XXXX you agreed to a deferral of half of my balance to the back of the loan. So per our agreement, you were never supposed to report my account late or mark it as late. I'm asking you to report my account correctly to the credit bureaus as well as in your system. Otherwise I will file a complaint with the consumer finance bureau regarding reporting me late when according to our forbearance agreement, I followed all the rules to avoid being reported as late. I need an answer asap. 

Thank you
Consumer complaint received 2020-08-31
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)

Good morning ; How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts all my student loans accounts. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX   student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.
Consumer complaint received 2020-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: WELLS FARGO & COMPANY (GA)

When I opened a Wells Fargo credit card, I was sold and accepted a product that would pay my payments in the event I became XXXX. I paid my account perfectly until I suffered a XXXX XXXXXXXX. I was unable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for approximately 1 year. I am now XXXX XXXX. As soon as I was able to handle some of my personal business again, I called the number from the program. I was told to call Wells Fargo directly because they closed that program and department after getting in trouble for adding the product to accounts without consent. I was told that I couldn't make a claim on the program or receive any benefits because I did not file before the program closed. In my program documents, I have until I am able. I attempted to file the claim as soon as I was able. After speaking with many collectors when I called and explaining the situation many times, the executive office responded and said they could do nothing to help me, even though they took my money all that time and even though the XXXX " incident '' took place while the program was still active. The account is charged off and appears on my credit. Now years later, I have received a check from Wells Fargo Remediation for {$830.00}. The check stub describes it as refund for Credit Defense service, applicable fees, interest, and lost compensation. I tried speaking with someone from the number on the stub but they couldn't help. I have again made a complaint to the executive team but the only response I get is that more time is needed. This has been going on for years. I do not care to have the money I paid for the program refunded. Rather, I want Wells Fargo to take ownership of the problem and correct it. If I were able to file my claim as described in the brochure, all of my payments would have been made by the program to Wells Fargo, my credit would show the account paid as agreed, and my credit report would not show {$3700.00} in charged off debt. I have not cashed the {$830.00} check they sent me. Please help me finally resolve this situation with Wells Fargo.
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

I attempted to remove a security freeze temporarily, and submitted all the required data INCLUDING my correct pin. 
Then they required I submit a letter with extra information. 
There is no option to speak to representative to try resolve this. 
Their requirement for me to submit a letter and other documentation is excessively onerous and time consuming especially sine I have already had my credit freeze with the two other credit reporting agencies lifted AND I have furnished Experian with ALL the data they requested. 
The only reason I had to freeze my credit was because XXXX  negligently released all of my secure data. 
I feel that Experian is now negligently failing to lift my credit freeze temporarily and should be sanctioned by your office for this.
Consumer complaint received 2017-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MD)

To Whom It May Concern, I am submitting this complaint about XXXX XXXX Account # XXXX. This depth disputed by me several times with different collection agency. This account does not belong to me. Every time I challenged collection agent name change and stick to my credit report at Experian. Also, Experian and XXXX violated federal law. They misleading and inaccurate information. In Experian credit report show this account open XXXX. And also XXXX account shows charge off account. Every time I dispute this depth, it shows that month payment miss payment. If this Account opened in XXXX and went to collections several times, how can it show XXXX and XXXX XXXX indicates none payment? If this XXXX account, utility depth, It can not show as a revolving credit card depth. In my Experian Credit report, shows as revolving depth and reflecting in my credit report as a current date and month none payment. Also, XXXX account indicated closed on my report. This is wrong and unlawful. This affects my XXXX XXXX. This does not fare me as a consumer. Also, This XXXX account disputed several times with different collection agent. They do not provide me any evidence that this account belongs to me. I do not own or have XXXX account. This depth is misleading my credit report. Also, Experian Credit agency shows misleading and inaccurate information.
Consumer complaint received 2020-08-31
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: Nelnet, Inc. (MA)

Good morning ; How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts all my student loans accounts. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX   student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.
Consumer complaint received 2017-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UMB FINANCIAL CORPORATION (CO)

In XX/XX/XXXX the following items were fraudulently charged to my credit card : XX/XX/XXXX - {$350.00} XX/XX/XXXX - {$330.00} on XX/XX/XXXX a credit for {$330.00} posted XX/XX/XXXX - {$110.00} XX/XX/XXXX - {$130.00} I pay this card per item and paid all but the fraudulent items after reporting them to the card company on XXXX/XXXX/XXXX. 

On my XXXX/XXXX/XXXX statement the fraudulent items were refunded but a late charge of {$39.00} and a purchase fc of {$28.00} showed and somehow the balance was {$84.00} over what I show due when I pay my statement per item. I contacted company and was told the fees would be reversed. 

On my XXXX/XXXX/XXXX statement they only reversed the late fee and not the finance charge. And despite paying per item the bill is now {$420.00} over what I show due. 

I take pride in paying my payments on time but am concerned about the impact due to this company not getting their billing done correctly.
Consumer complaint received 2020-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment ON XX/XX/2020 FOR 30 DAYS LATE??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2019-10-30
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: Experian Information Solutions Inc. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2020-10-31
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: CBC Companies, Inc. (CO)

I had an hard inqury on my credit report on XX/XX/2020 from Factual data. I have not given anyone permission to inquire my credit report. Concerned about fraudulent activity on my credit report
Consumer complaint received 2020-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (IL)

I opened a new relationship with Citi Bank during a promotional period in which I was promised {$1500.00} if I maintained a $ XXXX balance for 60 days. During that 60 day period, I scheduled a future mtg payment ( also w/ Citi ) for XXXX on XX/XX/XXXX. Although the payment was scheduled for XXXX, it was debited on XX/XX/XXXX w/o my authorization. As a result, my balance dropped below $ XXXX for a short period of time and I lost the {$1500.00}.

I believe the early/uauthorized debit of my account by Citi was an unfair practice under UDAAP for the following reasons : 1 ) It caused harm ( lost {$1500.00} ) 2 ) The harm was not reasonably avoidable. I reviewed the payment confirmation page again and it does not disclose the fact that the payment will be debited immediately when scheduling a future payment. 3 ) The harm is not outweighed by countervailing benefits for the consumer.
Also, worth noting that I did contact Citi immediately when the payment was debited to inform them of the error and to cancel the payment. Unfortunately, Citi was not able to reverse the payment.
Consumer complaint received 2021-08-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

Contacted XXXX  no XX/XX/2021 to validate debt with documentation No response. Sent another letter on XX/XX/2021 requesting debt be removed for failure to respond and send proof this is my debt disputed with Bureaus and provided proof item still remains on my file. This account is blocking my ability to obtain loan services
Consumer complaint received 2021-11-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Outsourcing, Inc. (FL)

I the consumer and the original creditor was sent a letter from Receivables Outsourcing , LLC regarding an alleged debt. A request of validation and cease and desist was sent in regards to this alleged debt on XX/XX/2021. Also sent on XX/XX/2021 was an affidavit of truth, invoice, exhibit A, exhibit B and exhibit C for 4 federally protected consumer right violations pursuant of 15 USC 1692b ( 2 ) and 15 USC 1692b ( 5 ) that Reivables Outsourcing, LLC infringed on me.
Consumer complaint received 2021-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (CO)

Is the following a violation of any banking regulation : We have been unable to view our personal checking account transactions since PNC bought out our bank, formerly known as BBVA. 

This has been going on for over two weeks now, with no one able to resolve the problem because they claim they are working 24/7 to resolve this issue with so many customers. Situation sounds like utter chaos. 

So we do not know whether our deposits and direct deposits are being properly credited nor do we know whether our withdrawals are being properly and correctly processed. Indeed, we don't even know if our account might have been hacked. 

Neither local branch employees nor management personnel at PNC can tell us how much longer it will take to get this resolved. Just that they are working on it. 

Please advise ASAP if this is a violation of any banking regulation. 

Thank you
Consumer complaint received 2021-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

we have submitted several request to the courthouse and to the Bureaus about a bankruptcy reporting on my credit. As per the courthouse has advised that they do not report to the bureaus. I writ two letters to the Bureaus advising that they are violating my privacy rights. I am protected by the law and have rights to my privacy. It is Illegal for the Bankruptcy to be reporting.
Consumer complaint received 2020-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

Experian, XXXX  and XXXX  : I am requesting affidavit forms to be sign and notarize by a senior executive verifying my signatures that willfully comply with authorization to furnished a credit reports, files or consumer reports on my behalf. I did not give XXXX, Experian or XXXX  ( consumer reporting agencies and bureaus ) consent to allow creditors to used a statistical tool to evaluate information associated with extending credit to me. In pursuant for a creditor after the credit report is assessed, I did not give consent for XXXX, Experian or XXXX  to create a report or file to fulfill the creditor 's actions. In pursuant of the score is calculated as a result of data processing activities performed by XXXX, Experian or XXXX, I did not give consent. In pursuant to scores are calculated on upon the request of a creditor, I did not give consent to XXXX, Experian or XXXX  to create a report or file to furnish to creditor or alike. I did not give XXXX, Experian or XXXX  the consent to create a credit history information in my credit report or file, including the inquiries, outstanding balances, number of accounts, age of accounts, etc.. to calculate a score. These credit reports or files are FRAUDUENT. Because, I did not give any written consent to disclose any of my financial transactions, medical history and any information regarding a credit score. No consumer reporting agencies or bureaus shall use any false, deceptive or misleading representation or means in connection with collecting any debt. XXXX, Experian and XXXX  falsely claim to have authorizations to create credit reports and files. XXXX, Experian and XXXX  shall refrain from acting aggressively to report negative information to a consumer 's file and report due to a fee and mutual agreement with the creditor. I will like for you to reinvestigate and send me the requested affidavit ASAP.
Consumer complaint received 2020-10-31
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. (VA)

My complaint is all three credit bureaus XXXX, XXXX, Transunion are reporting this one account XXXX XXXX  XXXX  which is a charge off. I called XXXX XXXX  XXXX  to pay off balance until they told me this account was given to collection agency back in XX/XX/XXXX they asked me why I did not pay it 2 years ago, my response to them that I became homeless and lost my employment and I moved around alot could not keep up with my mail at the time and when I did purchase PO BOX it was already too late when I received the letter that I owed a balance. So they gave me the name of the company they sold the account too, an collection agency called XXXX  XXXX, XXXX. ( XXXX ). I spoke to agent at XXXX and explained to them that XXXX XXXX  is showing a balance of {$99.00} on my credit report which they have the right to do so until they sell the account. The account was sold in XX/XX/XXXX at that time only suppose to show a balance of {$0.00} for a charge off after it is sold. The credit bureaus are showing a balance of {$99.00} which is incorrect and they are reporting this account and do not know themselves who bought this account because it does not show on the account but they decided to still report XXXX Dot account with a balance of {$99.00} charge off, however there should be no balance reporting if the account has been sold to a collection agency. there should be XXXX balance reporting. I asked XXXX XXXX  to remove the whole account due to the fact they sold it and gave incorrect balance on my credit report and I was told to call company XXXX at XXXX and pay them because they are the company that owns the account and only ones who can remove the account but XXXX is not on my credit reports so how can I dispute with the credit bureaus if XXXX XXXX  will not remove there account but a collection agency owns the account who is not on my credit report. I have paid {$99.00} directly to XXXX on XX/XX/XXXX {$91.00} & XX/XX/XXXX $ XXXX asked XXXX to remove XXXX  XXXX  account since I paid the balance now there telling me to call XXXX  XXXX  to remove it. WOW this is crazy they are playing back & forth game with me and I'm sick of it. Its causing me hardship and completely messed with my credit. I do not wish for either company to be reported on my credit report and I do not want the credit bureaus to know the name of company that bought the account. They should had done better research on account before putting it on my credit report with the correct updated information. Please help me with this situation Consumer Financial Protection Bureau.
Consumer complaint received 2020-10-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (TX)

Thank you for the information you have sent thus far and I have an additional request. 
However, I do not understand why you withhold information that is readily at your hands. Nor do I understand why you " decline to produce any further documentation '' except through subpoena per your letter dated XXXX XXXX, XXXX XXXX  XXXX. Is there harm that can come upon Chase for supplying this information or do you not have the information to be used to my benefit? I believe everyone has the right to receive information to prove their truth. I have asked for the details of the fraudulent payments made in XXXX. The fraudulent payments were payments not made or authorized by me and subsequently " bounced '' with a fictitious account number. These included payments made XX/XX/XXXX of {$7000.00}, AND THEN THE FOLLOWING DAY XX/XX/XXXX another payment of {$2000.00} and then ALLOWING another payment MORE THAN ONE MONTH LATER on XX/XX/XXXX of {$10000.00}. AND purchases that month were {$10000.00}. A child could see that this was fraud. This is why I am requesting alll details for payments. 
In addition, may I have the transcripts for all conversations you have referenced in the letter.