davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-05-06
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: Experian Information Solutions Inc. (NC)

I have received a copy of my credit report and it shows company XXXX XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1800.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2021-05-06
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: BARCLAYS BANK DELAWARE (TX)

On XX/XX/XXXX I purchased an outdoor heater from XXXX which cost {$560.00}. The product arrived late XXXX and was assembled by someone that was contracted by XXXX. The technician tried to put the unit together and said that the product was faulty because the holes in the unit were too big for the screws which compromised the unit. I contacted XXXX who said that they would get the 3rd party vendor to credit me once they received the unit. An air bill was sent to me and on XX/XX/XXXX, the unit was shipped back to the vendor. When I received my credit card bill that month, the charge for the {$560.00} was on the bill. At that time, I had no other choice but to dispute the charge since I shipped the product back to the vendor. On XX/XX/XXXX I received a letter from Barclays. The case number is XXXX saying that they could not pursue credit for the transaction because they were not provided proof of return. On XXXX XXXX I faxed the XXXX tracking number which was XXXX. It showed that the merchandise was received and signed for by the vendor on XXXX XXXX. I was able to show that the product was returned in good faith. On XX/XX/XXXX a letter was sent to me by Barclays that they are closing the dispute and they were not able to assist me in obtaining credit to my card for the following reason : " Merchant has not violated the terms and conditions of the contract. '' Unfortunately, the merchant did violate the terms of the contract since I was promised a functional outdoor heater. I am not understanding this, but the only thing I can think of is that I told Barclays that after I pay my final bill, I want to cancel my account with them since this has been a huge hassle. I have excellent credit, and have other credit cards, but I do think that I should be credited for a product that was returned. We also received an email from the merchant admitting that they had received the return and that they had advised XXXX that we should be credited the full amount. In the meantime, I reached out to Barclay 's by telephone XX/XX/XXXX. I asked to speak to a manager at that time. I was told that a manager would call me back within XXXX business days. They never returned my phone call. I do not have any other recourse at this time as I have exhausted all my options. XXXX said that since I opened a dispute they can no longer help me, but they did approve the refund after they knew that the product was defective. I am having difficulty scanning in the documents that I have. If you have a fax number, I am very happy to fax all of the documents that I have that prove my case.Please help me resolve this. thank you
Consumer complaint received 2018-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX Dates-XX/XX/XXXX, XX/XX/XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
Consumer complaint received 2021-07-15
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (NY)

Commencing on or about XX/XX/2020, I fell victim to a multilayered scam operation orchestrated by. XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 
Money was transferred from my account via debit card in the total amount of XXXX USD.
Consumer complaint received 2021-05-06
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. (PA)

XX/XX/XXXX I sent my disputes on inaccurate and accounts that don't belong to me. Its been over 60 days. I know the bureaus have at least 60 days for a response or accounts will be deleted. I demand this to be deleted. THIS IS ME SENDING THIS DISPUTE NOT A THIRD PARTY
Consumer complaint received 2017-02-16
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY ()

This complaint is identical to XXXX previous complaints. In every case in these XXXX complaints, Wells Fargo has attempted to resolve the complaint by providing false information to both the CFPB and to me : - XXXX ( XXXX 2016 ) - XXXX ( XXXX 2016 ) - XXXX ( XXXX 2016 ) In summary, the complaint is that I can not transfer funds from my Wells Fargo bank account to a bank in the XXXX. Wells Fargo have claimed in the XXXX previous complaints that transfers are possible using Wells Fargo online. On XXXX 2016 I spoke to XXXX ( Online Banking, XXXX XXXX ) who confirmed that at that time, international transfers were NOT IMPLEMENTED on the web site, but that the web site was due to be updated on XXXX 2016. This claim has proved to be false. Today, it is still impossible to transfer funds using the Wells Fargo web site. Today 's excuse is that a customer needs a US-based cell phone in order to receive a text message during the transaction. I am resident in XXXX, and do not have a XXXX cell phone, and also can not even purchase such a contract. BOTTOM LINE : Wells Fargo is still holding my funds to ransom, even after XXXX complaints and XXXX incorrect Wells Fargo responses to the CFPB.
Consumer complaint received 2022-04-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (GA)

This is concerning a XXXX hospital bill and XXXX prior to admission. However they claim the hospital doesn't pay the doctor, who has to separately bill? Insurance information wasn't even provided to them. This occurred a year ago exactly. XXXX has a XXXX bill including what they are trying to separately double bill for. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I provided my insurance information to XXXX XXXX in XX/XX/XXXX. XX/XX/XXXX the debt appeared on my XXXX XXXX and XXXX credit report harming my scores drastically. I have perfect credit! The dates in question and XXXX visit appear on XXXX invoice, stating Not A Bill. This appears to be an attempt at Fraud towards a protected class. It makes no sense that billing would occur this way, when insurance is provided at time of service. To retaliate by impacting my credit when I'm insolvent anyway but have full insurance is ridiculous.
Consumer complaint received 2024-03-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

I realized a card was stolen from me ... my savings account atm card when I recieved a insufficient funds email... I offered to call the police the bank told me not to that they would handle... well they refused because the person who stole my atm card knew my pin number. I believe it was my granddaughter whom I was residing with because I'm XXXX XXXX XXXX and need help physically... they stole my life savings out of my account over a 5 month period this card and only been used a few times. The bank never contacted me about suspicious activity on a card that not used regular but I personally went. To XXXX and they shut my card for suspicious activity when trying to purchase XXXX worth of merchandise .... now in 5 months almost XXXX dollars was removed from my savings account but Noone thought this was suspicious... all I want is to file charges on the person who took my money and I want my money back thay was fdic insured ... the bank is wells fargo and they r rude won't work with law enforcement and I honestly just feel like I was done wrong in this hole situation. My life has been turned upside down because someone stole from me. Thank you
Consumer complaint received 2022-04-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (TN)

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX XXXX  XXXX / {$9400.00} / XX/XX/2022 XXXX XXXX / {$3200.00} / XX/XX/2022 XXXX / {$1200.00} / XX/XX/2022
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2020-12-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NH)

I bought a new refrigerator in XXXX for {$1400.00}. I paid the card off in less than 4 months : {$200.00} on XX/XX/XXXX, {$200.00} on XX/XX/XXXX, {$240.00} on XX/XX/XXXX, {$800.00} on XX/XX/XXXX. In XXXX I received a bill saying my last payment was late. I submitted the payment on time and it is sent electronically but apparantly it took an extra day for some unknown reason. Because of that they charged me a late fee. I called and spoke with a representative and then a supervisor and neither would eliminate the late fee. I have never been later before, I always pay my bills on time and I always try to pay off my bills as quick as possible. I tried to explain that I made an {$800.00} payment to bring my balance to XXXX. I tried everything and they still refused to reverse the fee so I closed the account and told them I would not be paying the fee. 
They just sent me another statement and now they are charging me more fees. I have a XXXX balance but now they have charged me more late fees and interest and now are saying I owe {$99.00}.
Consumer complaint received 2021-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (IL)

Up to a few months ago, I had an AARP credit card with Chase bank for many years. I always paid my AARP card balance with a Chase checking account transfer. I was then notified by Chase that AARP was transferring its credit card business to XXXX XXXX. I did not want to open a XXXX XXXX  account so I disregarded notifications to do so. 
I then no longer had access to any of my Chase AARP credit card statements, nor any credit card history. It was wiped from my Chase account. 
Because I did not have a XXXX account, I had no access to my AARP credit card statements at XXXX. 
I received a letter from XXXX XXXX today stating that I have an account balance of # XXXX which includes a late fee of {$35.00} and that to pay this balance I must open a XXXX account. 
I am being penalized for something I have no control over and never authorized. I am being penalized for not opening a bank account. I am being penalized for a late fee that I have had no access to. When I contacted AARP, I was told " This is a problem between you and Chase and XXXX. We can do nothing ''.
Consumer complaint received 2018-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XXXX Bank XXXX # XXXX XXXX XXXX XXXX I had tried Numurious time to resolved these late payments, but i failed they are reporting 30 days late payment on XX/XX/2016 which was never late.this effecting my life i am in contract for buying a house can't get a mortgage because of this incorrect late payment.
Consumer complaint received 2021-05-06
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. (TN)

I have contacted all three Credit Bureaus/Agencies ( Experian, XXXX, XXXX ) and the Creditors ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX  XXXX, XXXX, XXXX XXXX XXXX  ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

ASKED XXXX TO SEND THE SIGNED CONTRACT FOR THE ALLEGED ACCOUNT, HOWEVER, THEY ONLY SENT STATEMENTS. THEY ARE IN VIOLATION OF 12 USC 5561 ( XXXX ), 15 USC 1681 ( A ) ( XXXX ) ( B ), 15 USC 1692B ( XXXX ), AND 15 USC 1681 ( B ). IT WILL BE A {$1000.00} PER VIOLATION.
Consumer complaint received 2022-10-11
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Resurgent Capital Services L.P. (NE)

I tried to dispute them with my credit report, but they just keep coming back verified which is not accurate per the FCRA Laws. So then I started digging on my own with this company and noticed they are not supposed to be operating in my state. They do not have a collection agency license. not only does this breaks the FCRA laws but also the State laws. This is Fraud.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent on XXXX and XXXX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous inquiry reporting on my Credit Report : BARCLAYS BANK DELAWARE Inquiry Date XX/XX/2021
Consumer complaint received 2021-07-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (FL)

I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with COMMONWEALTH FINANCIAL plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$1400.00}
Consumer complaint received 2023-01-18
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WSFS FINANCIAL CORPORATION (MD)

Wilmington Savings Fund Society through the XXXX XXXX XXXX filed a lawsuit case No XXXX in the XXXX XXXXXXXX For XXXX XXXX Maryland by use of an attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX alleging that they requested a default judgement against me regarding alledged loan documents that were not signed properly on a personal debt with XXXX XXXX XXXX, which would cause them not to be able to collect said debt. I do not owe them any such debt. I believe court action is a tactic to create a false reason for me to get sn attorney and plead a response to an action that had been XXXX by XXXX over 20 years ago and is fraud and is an abusive collection tactic whereby the debt collectors is intimidates using XXXX court papers from someone named XXXX mailed XXXX XXXX XXXX XXXX XXXX California XXXX.
Consumer complaint received 2019-08-19
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY (FL)

I opened an automatically renewable personal cd on XX/XX/2008 with Wachovia Bank.  When I went to cash it in earlier this year, Wells Fargo had purchased Wachovia.  Wells Fargo stated that they do not keep records for more than 7 years, and the original CD certificate is not proof that the funds were not dispersed.  They are refusing to pay me my money that I entrusted to them because of their record keeping.
Consumer complaint received 2020-09-07
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: Experian Information Solutions Inc. (CA)

On XX/XX/2020, I sent a letter requesting that an account be reinvestigated because it is still reported inaccurate. Every month I pull my reports from XXXX  and I come to find out that neither XXXX, XXXX  or Experian actually conducted a proper investigation. It has been 7 months since I have brought this to their attention. On XX/XX/2020, I disputed the account with the original creditor to perform my own investigation and they were not able to provide me any documentation that verifies that the account is reported correctly. This means neither XXXX, XXXX  nor Experian used proper investigative methods to verify the accuracy of the account from the very beginning.
Consumer complaint received 2019-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: International Computer Systems, Inc. (CA)

I spoke with a representative on XX/XX/2019 about this collection on my credit report, and I explain to her this was not my gas bill with XXXX XXXX XXXX XXXX I sent a Certified letter on XX/XX/2019 to First Collection Services asking for Validation and documention proving this was my account. I HAVE NOT RECEIVED ANY RESPONSE FROM FIRST COLLECTION SERVICE. I'm attaching a copy of my ID with my past and correct residents.
Consumer complaint received 2022-10-11
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. (FL)

I have about 14 hard inquiries on my consumer credit report that i see just from experian itself! i did not authorize any of these with my consent or permission. all three credit reporting agency has caused me damages in my financial situation due to not getting approved of my consumer credit. Experian 14 inquiries ... with no open accounts tied to them.
Consumer complaint received 2020-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

Equifax just dropped by credit score by XXXX points for information that is very old. These guys are ruining my credit score during a pandemic over something that is supposed to be put on hold. I went from XXXX to XXXX for information that is very very old. THIS IS ABSOLUTELY INSANE
Consumer complaint received 2022-10-11
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Finance of America Holdings LLC (AL)

I needed an extension given I am filing a lawsuit against XXXX XXXX, member of XXXX XXXX XXXX XXXX, XXXX for causing financial harm to the Company. 

In order to sell the property a Judge has to grant me permission to be able to sign all documents on my own and without the need of XXXX XXXX given her fraudulent activity against the Company, which is why I am requesting an extension of an additional 18 months for this loan. 

Below I have the attorney client agreement I have signed with my attorney which will be filing suit against XXXX XXXX and requesting I be in full control over XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX and that I be allowed to sell said property on my own also since I was the only personal guarantee for the loan on this property. 

Please consider this and I am asking that you provide me with an extension for an additional 18 months past the initial 18 month terms. 

Thanks. 

Sincerely, XXXX XXXX