davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UMPQUA HOLDINGS CORPORATION (OR)

This bank allowed these fraudlant transactions on my account and they refuse to even credit me money for recompense. 

XX/XX/2021 XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  NY Amount : negative XXXX XXXX XXXX dollars {$250.00} Running Balance : XXXX dollars and XXXX cents {$0.00} XX/XX/2021 TERMINAL XXXX XXXX XXXX XXXX  XXXX XXXX  NY Amount : negative XXXX XXXX XXXX dollars {$250.00} Running Balance : XXXX XXXX XXXX dollars and XXXX cents {$250.00} XX/XX/2021 TERMINAL XXXX XXXX XXXX XXXX XXXX XXXX  NY Amount : negative XXXX XXXX XXXX dollars {$250.00} Running Balance : XXXX XXXX dollars and XXXX cents {$500.00} XX/XX/2021 TERMINAL XXXX XXXX XXXX XXXX XXXX XXXX  NY Amount : negative XXXX XXXX XXXX dollars {$250.00} Running Balance : XXXX XXXX XXXX dollars and XXXX cents {$750.00} XX/XX/2021 TERMINAL XXXX XXXX XXXX XXXX XXXX XXXX  NY Amount : negative XXXX XXXX XXXX dollars {$250.00} Running Balance : XXXX XXXX dollars and XXXX cents {$1000.00} XX/XX/2021 TERMINAL XXXX XXXX XXXX XXXX  XXXX XXXX  NY Amount : negative XXXX XXXX XXXX XXXX dollars {$220.00} Running Balance : XXXX XXXX, XXXX XXXX XXXX dollars and XXXX cents {$1200.00} the above transactions to take place on my account. This is so obviously fraudulent activity and it totally depleted my account, and you tell me it will take 10 days to investigate and get back to me. This is so obvious lack of concern and lack of caring,. Its a textbook case of XXXX. I know lots of XXXX customers. Youll be losing mine and their business very soon.
Consumer complaint received 2017-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: BANK OF NEW YORK MELLON CORPORATION, THE (FL)

My mother gained acess to my XXXX XXXX with the prior companies I worked for I cant find it. XXXX XXXX, XXXX , XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2017-10-05
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Preferred Collection and Management, Inc. (MO)

The medical debt was consistently being paid WHEN it was turned over to this collection agency. This company - Preferred Collection & Management Services. This company repeatedly calls my phone number sometimes XXXX times in a row and have been calling before XXXX. This morning they called me XXXX times just between XXXX. It is excessive and ridiculous and they 're breaking the rules on collection.
Consumer complaint received 2017-10-05
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal  law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the Capital One Bank account .Ive Been trying to verify this account for XXXX months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX is selling deceptive information to XXXX, Experian, & XXXX who are then publishing this information on my consumer report. This debt has not been validated as belonging to me and I havent received any evidence to prove it is mine. This debt has also been canceled with the IRS and reported as income so it can not be reported onto my consumer report.
Consumer complaint received 2017-10-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (AL)

I initially received my car loan for my XXXX XXXX that I purchased at XXXX in XXXX XXXX on XXXX XXXX, XXXX for XXXX} and have made monthly payments of XXXX} since. My balance is at XXXX. After XXXX years of paying {XXXX on a XXXX loan I have only paid less than XXXX} in principle. My payment this month went XXXX XXXX toward interest XXXX after XXXX years of paying ) and my payment last month of XXXX only put XXXX  toward principle. In early XXXX of this year I paid XXXX and asked that it put directly toward principal as it was besides my normal payment, Santanders put XXXX toward interest and the rest toward principal I had to call several times and threaten to sue before they reversed the payment and put it all toward principal, my very next payment they only put the XXXX toward principal and this last payment, none.
Consumer complaint received 2024-05-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (WI)

I opened a checking acct at Wells Fargo Bank, XXXX, XXXX XXXX XXXX. I was referred to the XXXX branch after my online attempt to open a checking account did not process correctly. 

There was a BONUS OFFER of {$300.00} to open a checking account. I received a BONUS OFFER CODE : XXXX. 

I informed the branch banker of the BONUS CODE, the BONUS CODE was not applied to my opening account paperwork. 

Two days later, I spoke with the branch manager regarding the personal banker not applying the BONUS CODE during the opening account process. 

I provided the Branch Manager with the BONUS CODE. The Branch Manager wrote an email to the escalations dept requesting the BONUS CODE to be applied to my account.

I am now being told by Wells Fargo that they have never received the email from the branch manager ; that no one was ever provided with the BONUS CODE ; that I am not going to receive the BONUS CODE. 

I want my promised BONUS CODE of {$300.00}
Consumer complaint received 2019-05-20
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. (CA)

Experian has put a freeze on my account which i am having trouble removing. They have no customer services. Their menu options have two to choose from and then it hangs up on you. How is this OK? They have complete control of my credit and can not address any of the issues. Why are you allowing this terrible company to treat people this way.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-10
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. (FL)

In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX, XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2017-10-05
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AES/PHEAA (TX)

I have 4 private student loans serviced by American Education Services. 3 held by XXXX and XXXX that was with XXXX and apparently has been sold to XXXX but is still serviced by XXXX. After falling behind on my loans, they were sent to different collection agencies ( XXXX and XXXX XXXX ). I recieved a debt collection letter from these agencies ( XXXX XXXX, XXXX and XXXX XXXX, XXXX respectively ) and exercised my right to seek validation of the debts. I sent each letter within the 30 day time limit and have proof of reciept of these letters by the respective agencies. I did not hear from them again, but then XXXX continued to try to collect the debts. I then sent them a letter on XXXX XXXX, XXXX explaining that these debts are being disputed and that they should not be trying to collect until I receive the validation info I requested. At the same time, I disputed all of these accounts through all 3 credit bureaus ( all still currently under investigation ). On XXXX XXXX, XXXX I received a letter from XXXX regarding the credit bureau disputes and asking for more details of what I was disputing. Today I put together a packet for them that included all of the previous letters that had been sent out and also reiterated that I was seeking validation of the loans that they service. Just now I got an alert from XXXX telling me that AES/NCT has reported me 30days late on all 3 XXXX loans. This is WELL AFTER I have sent letters and also during open investigation disputes through the 3 major credit bureaus. It was my understanding that while a debt is being disputed, the servicers can not report negative information until the dispute is finalized. I have recieved absolutely NOTHING to validate any of these loans, yet they continue to run the clock on how many days I am " late '', when in reality I need them to pause and provide me with the requested information. I am frustrated as I feel they are disregarding my letters and are in obvious violation of my consumer protection rights. I have attached all letters sent as well as proof of delivery for your review. I look forward to any help you can offer in resolving this issue.
Consumer complaint received 2017-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (PA)

As I moved through my marriage separation and divorce in XXXX I was unable to pay my bills including over {$2700.00}. I owed to American Express. After I received my settlement from my ex-husband on XXXX XXXX, XXXX I then had enough money to pay off in full my American Express debt. I called American Express that month and told them on the phone that I wanted to pay off the whole debt amount. The representative told me they would not accept a full payoff, only a monthly payment of {$170.00} per month for a period of years. I was shocked, and repeated to him my offer to pay the bill in full. For a second time, the American Express representative told me they would not accept a full payoff from me. This was unfair to me because I had the money to pay in full but they would not take it. I feel I was discriminated against. 
I spoke with American Express later in spring XXXX and discussed this matter again. This time, American Express told me that it was a misunderstanding that they would take payment in full. But by then it was too late. I didnt have the money any more. Since that time, American Express has sent me numerous letter stating that I can pay off my debt in full if I want to. This was no misunderstanding. I am sure and positive what American Express said to me, and I was lied to.
Consumer complaint received 2021-07-05
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: EQUIFAX, INC. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I am a victim of Identity theft. Please delete or remove this item on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2017-03-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MT)

On XXXX XXXX XXXX, I pulled a copy of my credit report from Equifax. There was a medical collection on it for {$360.00} with an unknown creditor. On XXXX XXXX, XXXX, I wrote to Equifax to dispute said alleged debt and asked for validation. Equifax responded on XXXX XXXX, XXXX, after the 30 day time frame, and indicated and updated that the alleged debt was for {$410.00} and that it was paid in full. Equifax did not validate said debt nor did they mark it disputed. To date, XXXX XXXX, XXXX, this alleged debt has never been validated nor has my credit report been marked " disputed '', but Equifax continues to report.
Consumer complaint received 2017-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Source Receivables Management LLC (MI)

I have spoken to the original creditor of this account who has stated there is no balance owed on any account with them as payment has been made in full. They have stated that they would reach out to the collection agency that was assisting on the account for them and have them delete the account from all reporting agencies as there is no balance with them and the balance was paid directly to the creditor. 
The amount disputed is XXXX Paid in full directly to XXXXXXXX XXXX  in guaranteed funds there is no contract or agreement of any balance owed between myself and source receivables.
Consumer complaint received 2021-07-05
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: Experian Information Solutions Inc. (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Army and Air Force Exchange Service (AL)

My account has been paid in full to AAFES Starcard. Starcard has updated all my information to reflect correctly but for my XXXX  credit report, it is reporting wrong. It is showing delinquency is recent as of  XX/XX/XXXX which is incorrect. The debt was paid in XX/XX/XXXX. It reflects correctly on my XXXX  and XXXX, but does not on my XXXX. This called re-aging my credit report and is illegal. I do not think it was on purpose but it is reporting " potentially negative '' on my XXXX credit report due to how AAFES update the account.
Consumer complaint received 2017-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Due to the breach with XXXX getting hacked, I decided to put a freeze on my credit report with all three agencies. XXXX XXXX, Transunion and XXXX XXXX I was in shock & in disbelief that Transunion CHARGED ME to do so!!!!!!!!!!!! Now, I have learned that to temporarily or permenantly Unfreeze my credit report with ALL three agencies, I WILL BE CHARGED AGAIN!!!!!!!!!! 
The act of charging anyone to Freeze or Unfreeze their reports because of XXXX 's stupidity is Demonsterable to say the least!!!!!!!!!!!!! 
I am requesting that I be repaid for freezing my account with Tranunion & not be charged to unfreeze my accounts with all three agentcies!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!.
Consumer complaint received 2016-09-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NY)

I have had this XXXX back in 2008 first the account has been closed over nine years ago and they still report it as an open account I am attaching my report, second since this is over 8 years closed this should be taken of my report compeletly
Consumer complaint received 2017-10-05
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. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX XXXXXXXX XXXX XXXX XXXX account .Ive Been trying to verify this account for XXXX months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof.
Consumer complaint received 2017-10-05
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: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)— (NY)

ccording to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX XXXX  XXXX XXXX XXXX XXXX account .Ive Been trying to verify this account for XXXX months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof
Consumer complaint received 2017-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (SC)

This concerns the XXXX XXXX and Synchrony Bank. They say I owe a past due amount of XXXX} and they charged a late fee. But on my statement, it says I do n't owe anything until XXXX/XXXX/XXXX. They were driving me crazy with phone calls so I called them back and found out about the so-called late payment. But they did not take into account that In XXXX I paid XXXX  twice. I asked them to show me on my statement where I was late and they said they do n't do that. They just lump the late payment in with the current payment and give you a new due date. Therefore I was not aware that they thought I was late. And if I was truly late, I was not aware of it because I can not find a statement that says I owed XXXX XXXXXXXX.I think Synchrony Bank does this deliberately so they can justify late fees. I often pay ahead of schedule but these payments do n't seem to count. 

I tried to address this on Chat, but twice I got cut off. Apparently, they make it as frustrating as possible to deal with them. 

The current statement shows a payment due of XXXX, which includes the late payment, due on XXXX/XXXX/XXXX. This is not a problem as I will pay it with no problem. But I want Synchrony to stop hiding late fees behind lump sums of amounts due. They are doing this deliberately and I want them stopped. Any reasonable company shows past due amounts on their statements. 

I have searched my computer and my XXXX account and I can not find where I ever saw anything that said I owed XXXX. But the fact that I paid XXXX twice in XXXX tells me that amount should have been covered. 

On the attached XXXX statement you will see that no amount due is shown. 

I would advise anyone not to stop receiving paper statements because e-statements are too easily altered in their favor.
Consumer complaint received 2016-01-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NV)

Enclosed are copies of reports on disputes from Equifax. These XXXX disputes were created in the mind, ( or lack thereof ), Equifax. Equifax has now taken upon themselves to create disputes out of thin air. 

I have NEVER disputed : My address ( I know where I live and, this is XXXX of the few things Equifax has right ). 
OR : XXXX XXXX XXXX. Here again Equifax created, by themselves, another dispute. I mean now really, think about this. This account was closed the same day it was opened and NEVER had a balance, Why would I dispute that?