davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (IL)

look at my credit report an inquires i never inquired for anything from these companies, ally XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-14
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. (IN)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person.
Consumer complaint received 2022-02-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (GA)

I already sent a creditor letter and debt validation letter for the account listed under my name which is giving a bad impact on my credit report. I disputed it for lack of accuracy for the item added to my account. 
Company Name : Wells Fargo, the account was last updated in the sum of {$0.00} on XX/XX/2021. 
Company Name XXXX XXXX XXXX XXXX ( original Creditor XXXX XXXX  ), the account was last updated in the sum of {$540.00} on XX/XX/2021.
Consumer complaint received 2016-06-01
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I lost my job and I had protection on both of my Capital One credit cards. In the meantime, my partner, was the person who always paid my card payments, monthly from HER account. This went on for 4 years approximately. When I was laid off from my job XX/XX/XXXX, I waited the 30 day period Capital One requests before the protection can kick in. When I called they had informed me that I did not have this protection and that it was cancelled XX/XX/XXXX, I advised them I was not the person who cancelled this and that it was possibly my live in partner, who I did not authorize to do so. The woman told me that there was nothing she can do and that I would have to wait for them to pull the tapes and investigate the call. Ironically, I also was informed that this was the same month and year that Capital One stopped offering XXXX XXXX in cases of someone losing a job. I voiced my concern with this, as well as me not authorizing anything to be cancelled and informed her of my partner wrongfully taking my credentials to do things soley because SHE was the one paying for my bills at that time. A few days later I received a phone call and the woman I spoke with rudely told me there was nothing they can do and that the voice tapes states its me who infact cancelled these services and that they were refunded back to my account. I told her I was NOT the one who did this and that I wanted to escalate, she told me that I could not because they pulled tapes. I said well, how do you have proof that it is me? Anyone can call in that is a female, as long as they have the proper information, state they want to do anything to an account. Which is what happened with my ex girlfriend. I told her if I had another females credentials, I also can do the same. Just because someone stated they were me, proceeded to give information, does not mean they are me. I also explained that I found it funny that this was the second time in several years that Capital One had " claimed '' my protection if I became unemployed was " cancelled '' on both cards. This also happened XX/XX/XXXX to me. In which I added it back on and let it go. The woman told me the only thing she can do is adjust the account, which STILL has n't been done, but that is all. She can not help and I am left hanging with payments now behind on both cards due to unemployment.
Consumer complaint received 2020-10-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (TX)

Who subscribes XXXX XXXX XXXX XXXX hereby file a formal complaint against Capio Partners , LLC, who try to charge me the amount of {$940.00} for a XXXX   XXXX  of XXXX  with XXXX XXXX, which was ordered by my primary physician XXXX XXXX XXXX. XXXX. dated XX/XX/XXXX and I was practiced at the XXXX XXXX and XXXX XXXX in the city of XXXX. But whose results were never received by me or my doctor.. On XX/XX/XXXX I went to my primary doctor, XXXX XXXX XXXX XXXX XXXX. For presenting a strong pain in the XXXX area on the XXXX XXXX, on that occasion I underwent several XXXX  XXXX  by which the origin of the pain could not be determined. In view of the pain continuing my primary doctor, he ordered the XXXX XXXX   of the XXXX  with XXXX XXXX which I practiced in the following days at the XXXX XXXX, where I had to pay approximately {$200.00} of co payment to be able to practice the exam. The test was performed, but neither my doctor nor my person NEVER RECEIVED THE RESULTS OF SCAN On three occasions I went to XXXX XXXX to ask for the report of that study to be delivered to me and they never gave me an answer. My primary physician also called by phone and they said they were going to fax the results but this was never done. My doctor and I never knew the results of that study. 
After a few months I started to receive at my residence in the city of XXXX, some invoices associated with that study, demanding payment of XXXX dollars for carrying out the aforementioned medical study, which I never benefited from since we never got the results. Similarly, I must point out that they charged part of that amount to my health insurance. 
In the face of this attempt to collect money, I contacted the collection department of XXXX XXXX and told them MY REFUSAL TO PAY because the results of the scan were never delivered to my doctor or to my person. 
I now receive an invoice for the same item issued by Capio Partners , LLC. Account # XXXX. Before this attempt of collection I must say that I WILL NOT PAY since I was never benefited by the practice of this medical examination. On the contrary, they charged as much to the insurance company as to my person an amount of money for a study of which we never knew any results.
Consumer complaint received 2016-11-04
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Advance America, Cash Advance Centers, Inc. (MI)

I defaulted on my loan and they tried cashing the check for the full amount after I had already paid part of my balance down and my bank will not cash it if the money is not there. I get hit with non sufficient funds fees every time losing XXXX dollars everytime. Making it harder for me to repay them back. I have XXXX loans out one at XXXX and one at Advance America. I will never be able to pay them back if I continue to lose money for NSF fees on top of the ridiculous fee for taking the loans in the first place to repay back.
Consumer complaint received 2016-03-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (FL)

MIDLAND CREDIT FUNDING IS REPORTING THAT I OWE THEM A DEBT. I SENT THEM A NOTICES REQUESTING VALIDATION AND NO RESPONSE
Consumer complaint received 2017-05-24
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: Bread Financial Holdings, Inc. (TX)

XXXX   XXXX   XXXX      - Notified by  XXXX  that someone had tried to open an account fraudulently     XXXX   XXXX   XXXX     -  XXXX  did  a 3-way  call with Comenity Bank,  XXXX , and Me to have this removed    XXXX   XXXX   XXXX    - Comenity Bank stated they would contact the credit bureau and have the hard inquiry remov ed   XXXX   XXXX   XXXX   -  Received a letter from Comenity Bank stating to give it 45 days to have the inquiry removed Contacted  XXXX  4 times with proof that this was unauthorized and fraudulent and they come back stating it is " record of fact '' As of today ,   XXXX   XXXX   XXXX      it has now been 63 days since this happened.
Consumer complaint received 2021-05-19
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 — Was not notified of investigation status or results
Company: USCB, Inc. (CA)

I have try to settle this with USCB and they wont do a paid for deletion even though I should have never been sent to collections. I NEVER received a bill from XXXX. I was willing to settle this but now am just mad that USCB is fighting me on this. I feel this should be settled and deleted off my reports since this was not my fault and if i would have got a bill I would have paid this would not be happening.
Consumer complaint received 2016-09-12
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (LA)

Initially in XX/XX/XXXX I obtained a credit card from Barclays Bank of Delaware. I also acquired the XXXX credit protection plan that was offered through the credit card company called " Account Protector '' In XXXX XXXX, I got injured and I have not been to work since I got injured. I filed a claim with XXXX XXXX and they began to pay my monthly statement. Sometime in XXXX XXXX, I received a call from XXXX and was asked by an agent if I knew of how long I would be considered XXXX to work. I then advised the agent, that my doctor was not allowing me to return to work and that I would be considered totally XXXX. I was then informed by the agent that my case would be paid in full and there was no need for me to submit any additional forms. However, in XXXX upon reviewing my credit report, I learned that the account that Account Protector was suppose to pay in full with Barclay Credit Card had not be paid at all, in fact the account listed on my credit report that the company could no longer locate me, that {$1900.00} was being written off, and {$550.00} was past due. However, it was again to my understanding that the insurance company was to pay the account in full. My XXXX Account number is : XXXX, XXXX c/o Benefit Activation Department, XXXX XXXX XXXX, XXXX, FL XXXX. I have called customer service on several occasions to speak about correcting the account and so the credit card company can get paid by the insurance company as it was suppose to do, but for some reason we keep getting disconnected every time they ask me for the account information.
Consumer complaint received 2015-06-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

In XX/XX/XXXX I was struggling financially and I filed for chapter XXXX protection ; however, none of the filings was accepted by the Bankruptcy Court they all were dismissed. This complaint is to have all XXXX credit reporting agencies remove the information from my credit file. The Chapter XXXX Bankruptcy 's I filled in XX/XX/XXXX was NOT confirmed. I was told by XXXX that they can keep it on my credit report for 10 years, however, I live in California and the Federal Law is 7 years of the filling. Also, the plan was never executed and was dismissed/discharged in XX/XX/XXXX as well. I want all XXXX credit report agencies to remove all negative information relating to the Chapter XXXX 's I filed in XXXX, XXXX, XXXX, and XX/XX/XXXX. I filed them and the bankruptcy court did not process any of them ; they all were dismissed out of court and should not be on my credit reports in XX/XX/XXXX ....
Consumer complaint received 2019-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Someone opened a Capital One credit card under my name and charged { {$3400.00} } in  which I discovered within my credit reports. I do not have any credit card accounts with Capital One. I disputed it with the credit bureaus and also contacted capital one VARIOUS times informing them that I had file an identity theft report with the FTC. I have been disputing this with them since XX/XX/2018. This prompted capital one to finally respond to me stating that they don't feel that I suffered and identity theft and do not feel that the account was opened fraudulently therefore they would not take any action. They have repeatedly sent me the same verbatim notice and they have done nothing in the matter except ignore me.The credit bureaus have responded to me and they have issued a fraud alert and freeze on my credit report.
Consumer complaint received 2016-06-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

On XXXX XXXX, XXXX Fifth Third Bank 's mobile application notified me of a {$420.00} transaction that was NOT made by me. I immediately called the bank as prompted. While waiting 2-5 minutes for a bank representative - another transaction of {$210.00} went through. I was told the bank shut down the card for FRAUD and the representative " XXXX '' assured me there are no OPEN cards on my checking account. Because there are NO OPEN CARDS on my checking account I am blocked from accessing/monitoring my account for further fraudulent activity. I have no access to my money for 5-7 Business days until another NEW card is issued. I can not see MY account online or on the mobile application because Fifth Third Bank does NOT allow access to a checking account without an ACTIVATED card. I was blocked from my money by Fifth Third XX/XX/XXXX for a previous fraud dispute where the bank had issued & allowed multiple cards to remain open without my informed consent & knowledge. The bank response was a ponzi scheme/shell game of " you used the cards we issued to you so you knew the cards were open. '' Even when provided with bank paperwork that stated the 'old card would be deactivated when the enclosed card was activated ' the bank cited numbers and transactions to cloud the real issue of bank deception in our business relationship. I believed in this bank 's integrity until XXXX XXXX. I had been happily a Fifth Third Account Holder since XXXX XXXX. On XXXX XXXX, XXXX I was issued the new chip card by the bank. This was to make my account 'more safe ' ... I make very few transactions. I changed every password. I changed every pin. I have NO FAITH in business dealings with Fifth Third from this day forward. Clearly my account is NOT SAFE and now I am BLOCKED from monitoring my money ... BLOCKED from keeping MY money safe that Fifth Third has NOT repaired whatever BREACH prompted them to issue the XX/XX/XXXX Chip card that I did NOT request.
Consumer complaint received 2017-05-24
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: Midwest Recovery Systems (FL)

To whom it may concern, I have a collection account on my file from a collection agency named  (  Midwest Recovery Systems ). The account is as follows :   XXXX   XXXX   XXXX   account #  XXXX . Please be advised that I am disputing this collection due the fact ( Midwest Recovery Systems  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , MO  XXXX  ) does not currently have a valid license in ( Florida ) to collect on debts. This information is stating that their license is currently ( Expired/Denied Tech ) according to FLORIDA OFFICE of FINANCIAL REGULATIONS  (  address :  XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  ). I am requesting that you investigate this matter and delete this account from my credit file immediately or provide me physical proof  ( M idwest Recovery System s )  is licensed to collect debt in  (  Florida ). Your immediate response will greatly be appreciated.
Consumer complaint received 2023-04-14
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. (NC)

In accordance with the Fair Credit reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX Acct # XXXX XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXXXXXX Acct # XXXX The Bank Of XXXX XXXX XXXX Acct # XXXX Bank XXXX XXXX XXXX Acct # XXXX XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX  Acct # XXXX North Carolina Bankruptcy Report 15.U.S.C. 1681 Section 602 A. States I have a right to privacy.

15.U.S.C. 1681 Section 604 A Section:2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15.U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more then seven years.

15.U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-14
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. (MS)

XXXX XXXX ( secured ) XXXX XXXX ( credit card ) XXXX XXXX {$7900.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$7800.00} XXXXall of the above has violated all or any of my rights..15. u.s.c. # 1681 section 602 A. STATES -a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-03-11
Product: Credit 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: CITIBANK, N.A. (TX)

On XX/XX/2023 I was in XXXX and took a pedi cab ( bike driven taxi ). After being dropped off the man told me it would be XXXX pounds. I swiped my card and he rode off. Immediately I see a text from citi bank asking if the charge for {$2500.00} was fraudulent. I immediately hit yes and call citi bank ; they cancel my card and send me a new one. I think this is taken care of. However, the pending charge became a posted charge and so yet again I am calling citi bank. They say it must be turned into a dispute since it is a posted charge. I supply the information ; as I do not have a receipt as it was a man on a bike. 
They have " resolved '' my dispute and said it is my responsibility. I am deeply frustrated with how this was handled as I took immediate action and in no way shape or form thought should I be held liable for {$2500.00}. 
I would like citi bank to protect their customers as they claim they do.
Consumer complaint received 2021-11-04
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: Global Lending Services LLC (GA)

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. Accounts Opened Amount Social Security Admin XX/XX/XXXX {$32000.00} XXXX XXXX XX/XX/XXXX {$140.00} Hard Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Global Lending Servi XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-10-11
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Midwest Recovery Systems (NY)

Midwest Recovery Systems altered date that a charge-off was entered by 9 yrs. Charge-off was removed from my credit report almost 2 yrs ago. Midwest Recovery Systems changed date of last payment in order to put debt on credit report .Then offered to remove if I agree to a settlement. Resulted in almost a XXXX point drop in credit score.
Consumer complaint received 2021-05-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (IL)

Chase has attempted to overdraw an account twice that isn't supposed to be capable of being overdrawn. This has been the set standard since the account was created. The first time was XX/XX/XXXX now its happened again on the XXXX of XXXX. I wrote to their online chat and informed the other person on the account. The first overdraw was XXXX $ and the second was XXXX XXXX At the same they've changed my privacy policy, but then did not change my privacy policy. It also sort of looks like the Government may be involved per the message I was sent. So for the privacy policy they sent me a link that took me to a site that attempted to load for hours. Then after clicking it a few more times it takes me through the app to some of the privacy settings they just told me in their updated policies I no longer have the option to change.They also decided to randomly get rid of all my quickpay information. It's not just this company either I have issues with others as well, but I digress Chase is the main problem here.
Consumer complaint received 2021-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (OR)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2020, JPMCB - CARD SERVICE add a hard inquiry on my credit reports. 
On XXXX XXXX, 2020 and XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2017-02-07
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (MN)

We had sewer and water damage in our home. We got our insurance check but could not Cash it as it also had our lenders name on check. This happened early XXXX XXXX. We did repairs and paid out of pocket for repairs. PennyMac is our loan provider, we had to have XXXX inspection done. The check was for {$10000.00}. To this day even after inspection said 100 % complete, PennyMac has not released all funds. It is now XXXX XXXX. They are holding on to funds for no reason. I call and get run around. Every time I speak to someone they tell me something different. Now they want to foreclose on my house when they are holding more money than what we owe! I do n't believe this is legal. My wife and I are upset and do n't know what else to do.