davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] Debt Collection name : [ XXXX XXXX XXXX XXXX Debt Collection address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX Subject : Dispute of Debt and Request for Deletion from Consumer Report Dear Sir/Madam, I am writing to dispute the validity of a debt that has recently appeared on my consumer report, as well as to assert my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my consumer report, I was surprised to find an entry regarding a debt that I have no knowledge of. I have not received any prior notification or communication regarding this alleged debt, nor did I have the opportunity to dispute it before it appeared on my consumer report. 

I want to emphasize that if you believe that proper notification was indeed provided to me, I kindly request that you furnish me with the CERTIFIED mail receipt that includes my signature, demonstrating that I received notification of this debt at least XXXX days prior to its appearance on my consumer report. As a consumer, I am aware of my rights under the FDCPA and FCRA, which include the right to be notified of any debt collection activity and the right to dispute any inaccuracies on my consumer report. 

If you are unable to provide a certified copy of my signature confirming receipt of proper notification within the specified timeframe, I demand the immediate deletion of this collection/charged off account from my consumer report. Failure to comply with this request will prompt me to take further action to rectify this matter. 

I expect a prompt response to this dispute and request within 30 days, as stipulated by the FCRA. Please provide all correspondence in writing to the address listed above. 
Also I attached XXXX registration of states the company can collect alleged debt. 

Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2021-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CO)

I applied online for a Chase Freedom XXXX Credit Card on XX/XX/XXXX, 2021.. The reason I applied was the advertised feature of 5 % cash back on supermarket purchases and {$200.00} bonus reward if {$500.00} was charged within the first three months. I was instantly approved. A week later I received the card in the mail which also included various brochures including a Guide to Benefits. That Guide did not mention either the 5 % cash back on supermarket purchases or the {$200.00} bonus. I assumed that Chase sent me the wrong card. I phoned Chase customer service and was told by the person answering the call that I received the correct card but Chase doesn't put in writing the terms of its promotional offer. I couldn't believe it so I asked to speak with a supervisor. The supervisor who would only give me his first name, XXXX in Missouri, did say that if a cardholder specially requested the terms of the offer, Chase would disclose them in writing which would take 10-14 business days. Also only when I asked, he told me that the operative date for determining the three month period was the date Chase approved my card even though I didn't have a card to use for part of that three month period. 

I believe that the practices described above are outrageous and that Chase should be sanctioned. In addition Chase should be required to disclose all terms of its reward program including promotional terms in the package included with the card delivery and that any time limited offer such as the three month period to accumulate bonus rewards should begin on the date the card is activated, not the date Chase approved the card.
Consumer complaint received 2020-04-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (PA)

I had made a purchase right before COVID-19 shutdown, I was not satisfied with the item I bought. Due to the COVID I couldn't make a store return. I tried, time and time again to contact billing department, macys customer service, and returns department by phone, just to be hung up by the system every single time. There's no LIVE person to speak with, the system keeps hanging up the phone and if I don't make payments, my credit will go to XXXX! WHY SHOULD I CONTINUE TO PAY FOR SOMETHING I DON'T WANT AND CAN NOT RETURN??? There's no help online either! 

THIS IS PURE XXXX!
Consumer complaint received 2017-09-19
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: EQUIFAX, INC. (NV)

First ... ..I am at an ABSOLUTE LOSS AS TO WHY EQUIFAX HAS BEGAN PLACING MY FULL SSN ON THEIR REPORT ... ... .This is something VERY NEW ... .and AMIDST ALL their " PROBLEMS '' You would think they would not do that ... ... so MY FIRST COMPLAINT is ... ... STOP PRINTing my entire SSN!!!!!! Next is I received in the mail that they have verified a fraud account as accurate ... ... .that 's great ... ... not only does Equifax continue to show XXXX XXXX as valid although it is not ... ..Equifax now reports an imaginary account that they wrote as a " charge off '' ... ..amazingly has given itself! How is this account open????? Closed? Charged off????? It 's not mine!!!!! Is this how they plan on treating all the people they allowed their data to be breached???? .Because of course Equifax is aware that ANY ONE can simply " access info ''. A computer can not verify who you are. So Equifax ... ..send me your DOCUMENTS!!!!!!!!!!!!!! You are telling me this make believe account is " verified '' ... not because of a papertrail, but because my name was placed into a computer program.Is this how Equifax plans on handling their recent breach ... ..All names and birthdates of victims will be deemed " verified '' on a bunch of fraud accounts Equifax helped to create ... .... Real nice of you to have consumers holding the bag ... ... for your lack of security.!!!!!!
Consumer complaint received 2020-12-08
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: WELLS FARGO & COMPANY (NC)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2020-10-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

i have sent multiple disputes to the credit reporting agencies regarding accounts on my credit report that are incorrect. ive been sending letters since XXXX to the bureaus and have only received a response once from XXXX  in XXXX. we are now at the end of XXXX and i have not received any letters in the mail letting me know the status of the disputes and the accounts are still reporting on my credit report.
Consumer complaint received 2021-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (FL)

I am writing this formal complaint as I have asked FedLoan Servicing to review my case to include past payments made under the income based repayment plan. I made several payments listed in the attachment to my lender from XXXX XXXX. None of my payments are being counted toward my loan forgiveness even though I had the same employer under which 4 payments with the lender XXXX XXXX are being counted toward my forgiveness. After XXXX XXXX, my loans were sent to FedLoan Servicing. I submitted the payments from XXXX for review 4 times and though I was making payments under the income based repayment at my qualifying institution, they refuse to count them. They specifically asked me to show proof of the payments by downloading the payments from the website at XXXX and submitting them to FedLoan Servicing. I have done this several times. I would like to submit a complaint of dishonestly and fraudulent claims by FedLoan Servicing.
Consumer complaint received 2021-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am banking with Capital one bank for about 5 years. I have checking as well as savings account with them. On XXXX XXXX a person to person money transfer was made from my account of {$600.00} to a person named XXXX XXXX by XXXX money transfer company. This transaction was not intiated or authorized by me.I called the Bank 's fraud hotline and made a complaint about it. They blocked my account for all transactions until they investigated about the problem Theyclaim that this transaction was authorized from my mobile phone and my password was used. I told them that my password is secured and my phone has been in my possession all the time during this period and I have a password on my phone also so no body else can open my phone. 
The bank is holding {$600.00} from my account and not crediting this money to me. It is bank 's responsibility to keep my account secure so they are liable for this money. I do not know the person to whom the money was transferred and I have never used XXXX company for money transfer in my life.Please help me solve this problem as soon as possible. My checking account no is XXXX from which the money was transferred by fraud.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NY)

My father XXXX XXXX passed away on XX/XX/2022 from a long term illness. Upon his death, I was reviewing his accounts on Wells Fargo, and made them aware of a fraudulent transaction on his account date XX/XX/2022 when he was incapacitated for a XXXX purchase at XXXX. I asked in person at XXXX XXXX XXXX for them to investigate and received claim # XXXX and given the number XXXX to check on the details on XX/XX/XXXX. I have called on several occasions and they have told me I have no access to receive this information. This is despite me presenting all the probate information from the state of Georgia courts.
Consumer complaint received 2021-04-05
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. (FL)

Good evening Someone use My Person Information With out my Authorization for the Amount of XXXX Which I took the Initiative to Pay. I do Have the Receipt that this fraudulent Accounts was Paid in Full. 
This Account Should not be on my credit.
Consumer complaint received 2020-05-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC. (FL)

XXXX Opened this Closed Account without my permission.!!! See attatched XXXX 1099-C IRS CANCELLATION DEBT MC ending XXXX XX/XX/XXXX XXXX. THIS ACCOUNT WAS USED TO OPEN OTHER ACCOUNTS I DID NOT AUTHORIZE. XXXX XXXX XXXX XX/XX/XXXX *UNAUTHORIZED BY ME and XXXX end XXXX XXXX *UNAUTHORIZED BY ME THIS ACCOUNT IS ID THEFT FTC # XXXX XX/XX/XXXX.
Consumer complaint received 2024-03-18
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (TN)

This complaint is in response to an initial CFPB complaint XXXX regarding sold accounts being continuously reported by COMENITY BANK XXXX COMENITY BANK stated that they have verified that they are lawfully and accurately reporting the accounts that they have sold to XXXX XXXX XXXX XXXX on my credit reports and refused to remove the accounts. I believe this is both false and damaging to my credit report and reputation. According to the Fair Credit Reporting Act ( FCRA ) the information must be accurate and up to date. The FCRA emphasizes fairness and accuracy of credit reporting under section 605 of the Fair Credit Reporting Act ( FCRA ). It is not fair nor is it accurate to report an account when the account no longer belongs to you. This would make the reporting of the account inaccurate and abusive. A violation of 15 USC 1692s-2 ( a ) ( 1 ) ( a ). This a clear tactic to keep me from challenging the debt with the debt collector during the debt validation process because you are still reporting the account on my credit report. This behavior is deceitful and there are in fact penalties for such behavior. This is a violation of the Fair Credit Reporting Act and a violation of the Fair Debt Collection Practices Act. Lastly, I did not receive a letter from you in the mail responding to my previous attempt to dispute. Please provide the certified tracking number and receipt with my name and or signature on it as proof of such communication. My dispute letters were delivered XX/XX/2024. It has been over a month, and the initial complaint through the CFPB per the complaint number referenced was our first time communicating. I did not receive any disclosure, updates, results, or any response whatsoever regarding the investigation you allegedly performed when I mailed off letter to dispute the accounts on XX/XX/2024. Here is the certified tracking number showing proof that I did dispute the accounts : # XXXX XXXX XXXX XXXX XXXX XXXX and # XXXX XXXX XXXX XXXX XXXX XXXX. Please provide me the information of how you verified these accounts and that you are reporting this account accurately in accordance with the Fair Credit Reporting Act. Creditors typically remove accounts they have sold to collections otherwise it would be out of compliance for inaccurate reporting. Reporting false information deliberately is also an act of fraud 18 USC 1001.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

This CFPB complaint is filed pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) to request that you, Experian, block information appearing on my credit report that is the result of identity theft and fraud. 
Details of Fraudulent Activity : The fraudulent information includes : A personal credit card account opened at XXXX XXXX XXXX XXXX on XXXX XXXX, 2020 under account number XXXX I have attached a copy of my credit report maintained by you which shows the aforementioned fraudulent items. 
Identity Theft Verification : I have filed an Identity Theft Report with the Federal Trade Commission ( FTC ) with Case Number XXXX A copy of the report is attached as proof of identity theft. 
Demand for Relief : I request that you, Experian, block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving this complaint, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). 
Contact Information : Please send all written confirmation regarding this CFPB complaint to my email address : XXXX XXXX
Consumer complaint received 2017-09-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stellar Recovery, Inc. (KS)

Hello, I received a notification from XXXX XXXX that new info was added to my credit reports. I looked at the info and a company named Stellar Recovery IncXXXX had placed an collection for an alleged debt of {$300.00}. This was on XXXX XXXX XXXX. I had not received a XXXX XXXX, phone contact or any other form of contact from this company. I had no opportunity to dispute or validate this alleged debt before being placed on my reports which caused an significant decrease in my credit scores.
Consumer complaint received 2020-12-08
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)

I had an account with XXXX XXXX. I was a victim of racial discrimintation from this compnay. I lost my car. The company is reporting false information that I made payments in 2014 XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not make payments on these months. I asked for documentation as it pertains to these payments and never received any response. Also, they took more seven years to charge off my account after being more than 180 days delinquent in 2014. I would like for this to be noted that these people are harassing me. Also, that the account is being handled by an outside agency where they are still attempting to get money out of me.
Consumer complaint received 2020-05-31
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. (NJ)

Hello, My name is XXXX XXXX, i have been trying to resolve problems in my credit report over a year. I found out that all the addresses and employments information in my report were incorrect and need to be removed. These problems need to be solved as soon as possible because it's gradually affect our family 's situation. Our family life have turned up side down since the COVID-19 start the fire in US. There are no income to stay at home and keep distances from people. Here are the addresses and employments information. 
**** ... .***** _EMPLOYMENT INFO *XXXX XXXX XXXXL XXXX XXXX XXXX XXXX, XXXX XXXX ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-10-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MN)

During the pandemic in XXXX and XXXX I missed some payments. When I went into repayment, my balance increased and my mortgage is now {$20000.00} more than I originally ally borrowed and ~ {$50000.00} more than my principle. I dont understand why I owe more than I borrowed. I e tried unsuccessfully to get answer and paperwork explaining what happened. Wells Fargo has failed to provide a written explanation.
Consumer complaint received 2016-10-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

I have a personal checking account with First National Bank of PA. Their corporate office is located in XXXX , PA. 

Three weeks ago I wrote to them telling them to close out my checking account and put my line of credit on a billing cycle as I was moving and it was difficult to bank with them. By example when you call their customer service number, you are put on hold for 10 minutes at a time, each of the 5 times that I have called. When I call their XXXX XXXX branch in XXXX, PA., it rings busy all the time. 

When I mailed them the letter 3 weeks ago, I monitored my account and it was never closed out and I never got the mailed monthly billing for my line of credit. 

On Friday XX/XX/2016 I went to their branch in XXXX XXXX on XXXX XXXX. Stood around for 15 minutes and was turned away when the branch manager told me she had to go pick up her " kid '' and a teller would help me. The teller took my name and contact information and said that the girl that just left would call me on Saturday. Since my account was currenltly housed at the XXXX XXXX location, she said that the manager would also call me. Saturday came and went. Monday they were closed. On Tuesday, I called the XXXX XXXX branch and it was like I was talking to the man on the moon. Finally, they told me I had to call XXXX, the branch manager at the XXXX XXXX store. I called that number 14 times in a half hour period and it was busy. 

On XX/XX/XXXX try, I got a teller who listened, took notes and was going to have the assistant branch manager call me. The branch manager was out. 4 hours later no return call. 

Here is the crux of my complaint. The bank did not close out the account and put me on direct billing. There was about {$75.00} in the unclosed account, and the automatic payment overdrafted my account by {$4.00}. Then in 5 successive 3 day periods, I was charged {$12.00} per 3 day period for an overdraft that the bank created. I got no emails, letters or anything. When I talked to the branch I asked them to close out the account and refund the overdrafts. I also wrote a check for {$1000.00} and applied it against my line of credit. So far the bank has gone dark, not returned my calls and is probably charging an overdraft fee every 3 days. Coincidently, if the bank would have closed the account, I would n't have overdrawn the account and would have made a payment within the grace period of the loan. 

This bank has no moral compass and they seem to delight in XXXX the customer at every opportunity. This is n't the first time I have had to deal with their egregious management style.
Consumer complaint received 2020-05-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

We have been back and forth since XXXX with your reps in reference to our mortgage payoff and escrow reimbursement. We had requested a Forbearance due to Covid-19 during this time we decided to payoff the mortgage and requested a payoff and forbearance until the checks could be cut to payoff the mortgage. On XX/XX/XXXX called and confirmed the payoff as {$99000.00} we had XXXX   XXXX  cut checks for {$75000.00}, {$15000.00}, {$4000.00} and XXXX totaling {$99000.00} plus the {$160.00} escrow. Since we owed nothing but mortgage and had included the extra funds due to a bank error. Our refund should have been closer to {$1000.00}. On XX/XX/XXXX we found that my account which had the last check had been locked for fraud. So they forced us to pay {$5400.00} claiming that was what we owed. It turns out they received our payments on XX/XX/XXXX via XXXX XXXX  and never applied the payment to anything but what was holding for forbearance.I am not sure how they continue to get away with such creative accounting but it is fraud all day long. The last complaint we filed a rep called us from Wells Fargo and yelled at me in front of my husband because that was out 3rd complaint. I have health issues and can not take them calling and yelling at me again. They DO NOT LOOK AT THE ACCOUNTING they recently foreclosed on us and wiped us out financially to keep our home.I have excel sheets that prove what we should have paid and what we have been charged. They will not fix the situation and continued until the last payment to rip us off. Something needs to be done.They claim is banking practices but I spoke with XXXX XXXX  and what we have been told these are not proper practices the lying about contacting us alone is illegal. The list of what has happened since they took over our mortgage no one should have to go through!