davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (AZ)

I entered into a consumer credit transaction with Wellsfargo bank on XX/XX/XXXX. I extended credit through my social security card, my credit card. XXXX XXXX XXXX XXXX XXXX, XXXX. was attained by wellsfargo to collect a debt that is not mine. They have also violated several other of my consumer rights which I have noted in my affidavit. They are claiming I owe an alleged debt of XXXX in a positive amount. A letter was sent to me on XX/XX/XXXX claiming I owed an alleged debt and also threat of legal action if I didnt respond. XXXX XXXX XXXX XXXX XXXX, XXXX. Then filed legal action against me on XX/XX/XXXX. I responded with the following attached affidavit and sent it to them on XX/XX/XXXX. Usps XXXX and hand delivered with signature acceptance. I am demanding the debt collectors cease communication on this alleged debt that is not mine. And also stop all legal action against me for it is unlawful.
Consumer complaint received 2017-12-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: AMERICAN EXPRESS COMPANY (CA)

I sent a credit card transfer payment to XXXX XXXX XXXX for {$360.00}. It was for their return book program, where if a store can not sell the book this is a one year insurance that they can with my book XXXX XXXX XXXX XXXX XXXX. 
I called there sales representive and got one person saying the book money failed to go through and another saying it will take days to go through. All this was verbal. I need something in writing saying my payment was excepted and the service is happening.I am complaining because I am getting mixed signals verbally. I need assurance my money transfer and service is effective. 
Was the money taken from the American Express Account by XXXX XXXX? I would like to know : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Toll-Free Phone Number XXXX Fax Number XXXX XXXX XXXX XXXXt XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was approved for a loan by XXXX for XX/XX/XXXX for {$4700.00}. During this time, I've made timely payments. I have not been late but have been marked as late by the timing of the due payments installments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The account has been paid in full by XX/XX/XXXX but has 3 late payments. I've tried several attempts to have XXXX correct the payments as well as dispute the erroneous information with the 3 credit bureaus. XXXX has not made any attempts to correct this and " validated '' the late payments although they were made on time.
Consumer complaint received 2017-12-12
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC (TX)

I have attempted to obtain information from XXXX XXXX, XXXX several times. I have attached the multiple correspondences to this company and have yet to receive a response from them. The only communication received is when I entered a complaint with CFPB previously and in return this company failed to supply what was requested. 

I am requesting : A copy of the notification letter indicating the accounts above were purchased by XXXX XXXX as well as the effective date of the XXXX XXXX assumed ownership Copies of all statements and communication related to the listed accounts from XXXX XXXX Copies of documentation that supports the reported payment activity being reported to the credit bureaus A copy of the Notice of Default/Right of Redemption to include the outstanding balance, fees and the deadline to redeem the loan. 
A copy of the Notice to Sale A copy of the Post Sale Notice to include the accounting
Consumer complaint received 2020-12-10
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. (MD)

THIS ACCOUNT IS FRAUD AND COMPANY WILL NOT SEND ME A COPY OF THE ORIGINAL CONTRACT WITH MY SIGNATURE, WHICH THEY ARE REQUIRED TO DO BY LAW. SECONDLY THE CREDIT BUREAU HAVE NOT SENT ME A DECISION SINCE THE ORIGINAL FILING OF XX/XX/2020 WHICH AS OF TODAY HAVE BEEN 60 DAYS ..PLEASE ENFORCE THE REMOVAL OF THESE ITEMS OFF MY CREDIT REPORT PLEASE. IM ALSO FORWARDING A COPY OF A POLICE REPORT
Consumer complaint received 2020-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge 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: AMERICAN EXPRESS COMPANY (CA)

My problem isn't listed in the questions prior. A customer paid for a landscaping service with her credit card through my online accounting software XXXX. Weeks after the install she did a chargeback and her American Express was able to go into my account and steal my money without notice. This was not her money but rather another client 's money. Her money had been withdrawn from this account when she paid her bill. This account is held by XXXX  and holds the money briefly between the time the credit card pays and the money hits my checking account. This is the innerworking of my online accounting. I don't have direct access to XXXX. 
Since the money disappearing from my account I have had little recourse. I sent documents through XXXX   showing her garden installed, her texts saying she was happy etc. But I have had no response and I have no recourse. How can American Express go directly into my bank account and steal my money? I'm a single mom of XXXX, struggling like everyone else during COVID and this has been devastating. I've also had to stop taking credit cards because I have no idea how to protect myself. I have reached out to the client repeatedly. Please help!! 
XXXX XXXX
Consumer complaint received 2021-04-09
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. (TX)

This debt collector recently started tactics to get paid debt that was taken care of from my insurance. I work for the facility I went and I used the hospital I was in network. This doctor I later found out Emergency room doctors are not in network, which this is not my fault. As when you feel very sick, is the last thing you will check if all providers are in network, Per my insurance XXXX employees get discounts with insurance if you go to their facilities, and so I did. This doctor refused a discount, or other means. Now 3 years later is attempting to collect a debt, that was in negotiations with my insurance carrier, that they paid for and I am getting harassed and now decided to go against my credit. I am very upset was this is not correct. My means have not changed, We are not working as result form the pandemic. This is wrong, I want to be protected from companies that claim credits after several years, specially when the amount they want to collect is way above of the service provided and rendered.
Consumer complaint received 2020-08-31
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. (TX)

The collection account below is not mines. 

1. XXXX XXXX XXXX Last reported XX/XX/2020 {$270.00} Open balance 06 XXXX  Original creditor
Consumer complaint received 2020-12-10
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: Certegy Holdings, LLC (FL)

On XX/XX/XXXX, I attempted to cash a check at XXXX store, but it was denied and I was given a print out advising to call Certegy for more information. On XX/XX/XXXX, I called Certegy and requested a Consumer File Disclosure Report. Upon receiving the report, I observed on XX/XX/XXXX, check # XXXX for {$350.00} written to XXXX Stores was never paid, reporting source is XXXX XXXX XXXX XXXX with contact information ( XXXX ) XXXX. On XX/XX/XXXX, I called XXXX XXXX XXXX XXXX and spoke to Representative, XXXX XXXX, which advised their company no longer holds that debt, and that I should notify XXXX Stores customer service ( XXXX ) XXXX. At that time, I notified Certegy Payment Solutions at ( XXXX ) XXXX to enter a dispute for nonpayment of check # XXXX for {$350.00} at XXXX Stores. On XX/XX/XXXX, I spoke to a representative at XXXX Stores customer service which advised check # XXXX for {$350.00} is, currently, an outstanding debt and that i need to make contact with XXXX XXXX XXXX to make a payment. On XX/XX/XXXX, I made contact with XXXX XXXX XXXX, spoke to Representative XXXX XXXX, and made a credit card payment of {$400.00} with a processing fee, included, confirmation # XXXX. In addition, knowing in my gut that I had already paid this debt, I notified my financial institution on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX Representative, XXXX, advised check # XXXX for {$350.00} was paid on XX/XX/XXXX via draft check from XXXX XXXX XXXX  XXXX XXXX Texas. On XX/XX/XXXX, I called XXXX XXXX XXXX and spoke to Accounting Representative, XXXX XXXX, to advise him of this information and he advised me to email Accounting Supervisor, XXXX XXXX at XXXX with the proof of payment. On XX/XX/XXXX, I emailed XXXX XXXX the portion of my XXXX bank statement that represents the payment of {$350.00} on XX/XX/XXXX and a copy of the canceled draft check from XXXX XXXX XXXX  XXXX XXXX Texas. On XX/XX/XXXX, Mr. XXXX, advised via email that a refund is being sent to me by mail. 
Please take the time to investigate this matter. This is an attempt to erase a paid debt. I am looking forward to hearing from you. 
Thank you, In advance.
Consumer complaint received 2020-12-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NJ)

I was noticed on XX/XX/XXXX about a debt with Comenity Bank. I answer my phone on my way to work. When the person told about my debt, I told her I don't have any account with Comenity bank. She asked me if I have a Victoria 's Secret credit card. I said yes, and she explained that card is managed by Comenity Bank. I told her I didn't buy anything recently at VS, so I immediately though it was a fraud because she asked me to pay a minimum by phone. I told her I will call them back when I was at my office. After I entered the VS card website I noticed my last transaction was on XXXX. I had to pay on XX/XX/XXXX {$110.00} and I paid it on XX/XX/XXXX. This generated a {$29.00} late fee on XX/XX/XXXX and an {$2.00} interest charge on XX/XX/XXXX. I never received any notification of this, even when they have my mail address as they recently send me two new credit cards ( I didn't ask for them ) They also have my email. On XXXX they charged me another late fee for {$33.00} and {$2.00} interest charge on XXXX. On the XXXX Statement they charged me again {$36.00} late fee on XX/XX/XXXX and {$2.00} interest on XXXX. The new balance that I am supposed to pay after of these fees was {$100.00} due on XX/XX/XXXX. 
When I call them back on XX/XX/XXXX, I explained to them I wasn't aware of my debt. I just checked my account and saw all the late payment fees. I told them I didn't receive any statement, and the only notice that I have was the lady that called me in the morning. I didn't agree on paying lates fees and interest over a late fee. I agreed to pay just the first late fee and interest and settle the debt. When they agreed to that, so I agreed with them to charge my XXXX checking account for that amount. XXXX XX/XX/XXXX I received a notification that my credit score was affected ( it's XXXX points lower ) because I was in delinquency with this bank. I called them again, and I spoke to another person. They told me I still have a debt that I can pay in installments, When I asked them what happened with my settlement they claimed they didn't have record of that. I told them that was very unfortunate, but since this was affecting my credit score I agreed to paid the remaining amount ( {$66.00} ), and I also closed my credit card. This time they gave me a confirmation number XXXX
Consumer complaint received 2020-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (OH)

We deposited a check for {$1700.00} on Friday night ( XX/XX/XXXX ) using the Chase Mobile App, which was for items we sold to the buyers of our house. On XX/XX/XXXX, the buyers stopped payment on the check. So even though we presented the check BEFORE they stopped payment, the bank still withdrew the funds away from us and did not honor the {$1700.00}.
Consumer complaint received 2022-04-26
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. (PA)

Hello my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make nor did I authorize any of these changes. I demand that the items be deleted as soon as possible, to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed a copy of the Federal Trade Commission 's Identity Theft Affidavit. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C 1681 ( " FCRA '' )
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reviewed my credit report and noticed that a existing problem is till not fix for the past 2 years I never miss a paid payment when account was close everything was paid as agreed and inaccuracies, the consumer reporting agencies have assured a vital role and have a responsibility to report consumers information to the best of their ability with maximum customer accuracys.i have never been late and all payments were made in full as agreed I have included screenshots of all 3 different reporting inaccuracies, no data, collection and charges off, XXXX XXXX please investigate and provide proof with statement showing that these payment were late or not pay in full, if proof cant be provided I demand these be updated dated as agreed payment in full on time as it should have been not showing up on my credit report. I spoke to the report agency and XXXX they said it was a mistake that they were going delete from my credit but never did this have been on going problem, also my FTC report number is XXXX
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: USCB Corporation (CT)

I got a notification on XX/XX/2022 that there was a new collection in my name. I looked on XXXX XXXX and it says On XX/XX/2022 an account was created for XXXX XXXX  and I owe {$740.00}. The creditor was USCB corp. I have never heard of XXXX XXXX and I am already enrolled in a different school so this was not me. I XXXX and everyone is saying the same thing happened to them.
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2019 Trans Union drastically dropped my credit score by more than 50 points. As I understand decreases in credit scores due to late payments and opening new accounts I feel that a 50+ point drop is unfair. I do not pay my creditors late and I have worked hard to maintain my scores. Please help me. All I did was buy and finance some new flooring
Consumer complaint received 2017-12-12
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: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

XXXX continues to report a deragatory remark on credit file when issue has been already resolved with collection agency. Agency agreed to remove account when settled in agreement.
Consumer complaint received 2020-12-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (AZ)

Good Afternoon, My husband and I recently refinanced our mortgage that was being serviced by Dovenmuehle and were due an escrow refund of over {$800.00}. At the time we were refinancing, we received notification from Dovenmuehle that they were transferring our mortgage to a new servicer as of XX/XX/XXXX. The final payment to Dovenmuehle posted on XX/XX/XXXX and our account shows that it has been paid in full since that date. 

On XX/XX/XXXX, I called Dovenmuehle to confirm the payoff was received and to confirm when we would receive our escrow refund. They advised a check would be issued within 17 days of the mortgage payoff. On XX/XX/XXXX, I saw that the refund had not been issued and I sent a message through the secure message center in my account. After a few days, I had not received a reply. 

I called Dovenmuehle on XX/XX/XXXX and spoke with another representative who informed me they were not clear on where the money was or who would be refunding the escrow balance to us, Dovenmuehle or the company they transferred the mortgage to. The information on my mortgage account online showed the escrow funds were still with Dovenmuehle. They submitted a task to have my account reviewed and advised me to check back with them in a couple weeks. 

I attempted another email on XX/XX/XXXX which was also ignored so I called again on XX/XX/XXXX. I spoke with XXXX different associates because my initial call was disconnected. When I spoke with the second representative she assured me yet another task for my refund had been started by the first representative. I believe I was given another XXXX week time frame and I set a reminder to follow up again. 

As of XX/XX/XXXX, the escrow refund was still not generated and I called yet again and spoke with XXXX. This time I was on the phone for XXXX minutes and she let me know that per her supervisor, XXXX XXXX, the task that was submitted never actually requested a refund of the escrow account ( I'm unclear what the task could have possibly requested since that is the only thing left to close out my account with Dovenmuehle ) and after some back and forth she was able to give me the estimated refund date of XX/XX/XXXX. 

This account have been refunded and closed out in XX/XX/XXXX and instead I have been consistently given the run-around for months. An estimated date of XX/XX/XXXX is completely unacceptable per the Consumer Financial Protection Bureau ( XXXX Timely escrow payments and treatment of escrow account balances. )
Consumer complaint received 2021-06-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Resolutions, LLC (CT)

I used this physical therapy in XXXX my insurance paid partial I paid the rest. On XX/XX/XXXX I received a negative report on credit report I called the agent she told me it for physical therapy. That I paid of three years ago. It affected my credit by XXXX points. I physical therapy they said the amount owed was XXXX and the collector told me the amount was XXXX because I had a collection fee. I feel this incorrect. They had all the wrong information. Never received emails phone calls or mail from either party. The rep from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, ct XXXX phone numbe ( XXXX XXXX XXXX told me I couldnt pay with card I had to give her a check over the phone to have it removed from my credit report. Then she changed and said it would be paid in full
Consumer complaint received 2020-12-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (FL)

Santander Consumer USA Inc has not only put me a predatory loan that was subprime but has failed to respond to a letter of demand requesting my " Internal score '' that allowed them to give me a loan at over 20 % interest and after 2 years of paying this it has actually gone up somehow. This company was sued by XXXX attorney generals and settled out of court as being the largest subprime auto loan company ever. I did my research and sent a LOD ( Letter of Demand ) with 30 days to respond and they completely disregarded me even though I stated that I will consider it a silent admission of guilt if they do not respond, and if they repossess the vehicle I will sue them for damages. Instead of responding with any information at all, they sent me a repossession letter and a bill saying I owe them {$1400.00} when they XXXX me over in the first place with this loan. Please help me to get them to do the right thing! They have not answered calls or letters about this issue and now are going to attempt to take my car. This company is unprofessional, unfair, and downright abusive. Threatening me when they know they were in the wrong and then treating me like XXXX in the process, I will make sure to let others know how deceptive and fraudulent this company is toward customers that are unsuspecting.