davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (TX)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2022-09-08
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: EQUIFAX, INC. (NY)

I requested that the credit bureau do a verification of all information they were reporting on my credit report and they did so and states in written that all information was correct but upon further inspection I did a thorough search and discovered that indeed the credit bureau '' s had not done their due diligence and were indeed reporting inaccurate, and incorrect information on my credit report even after they stated that they had done their research. I looked into the matter and found these following accounts on my report which are as follows : XXXX Acct Number XXXX, as well as these accounts which are XXXX XXXX  Acct Number XXXX, XXXX XXXXXXXX XXXX, the information is not cohesive, the dates are all over the place, the name on some of these accounts are similar to my name but incorrect. So I was digging I came across some of the laws that govern how these companies are to behave which is that in accordance with the Fair Credit Reporting Act XXXX  Account # 's XXXX, XXXX, XXXX, have all violated my rights. Also 15 U.S.C. 1681 Section 602 A clearly states that I have the right to privacy. 
Also 15 U.S.C. 1681 Section 604 A Section 2, States a consumer reporting agency can not furnish an account without written consent.
Consumer complaint received 2022-09-08
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: TransferWise Ltd (NC)

Following up on the initial case I filled ( case number : XXXX ) Wise claimed they had no evidence that the recipient didn't get the funds and I am attaching couple of documents to show that 1 ) Bank Statement as of XX/XX/2022 ( 49 days after I sent the initial payment ) 2 ) Recipient Bank Policy on swift codes and Intermediary bank ( showing Wise used wrong intermediary bank ) 3 ) Letter from the recipient that states she didn't receive the funds Thanks
Consumer complaint received 2019-10-27
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 (SC)

I have an American Express Bluebird prepaid card in the last 6 months I've been hacked 3 times refers to the company reimburse me back this last time was the biggest which were {$2400.00} XX/XX/XXXX I called into the company for fraud because I did not make this withdrawal they said they would investigate 3 days later they closed my account and refuse to refund my money my husband passed in XXXX every time I try to draw from Social Security for him I got hit. This is how I support our children I do believe that somebody from the inside that can see everything in my account please help thanks XXXX XXXX
Consumer complaint received 2019-10-27
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)

I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2021-09-16
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Applied Data Finance, LLC (TN)

This all began in XX/XX/2021 if my memory serves me correctly. I receive a call from this lady telling me that she is collecting money from me that I owed from a personal loan company. Due to the pandemic, I was unable to continue paying the loan and it went to a 3rd party agency I guess. This lady was extremely rude. It was oppressive speaking with her, as I felt berated by her tone. Anyway, I setup arrangements to pay bi-weekly and honestly it was because the woman freaked me out. She acted as though she was an attorney and like she was threatening me with actions that she legally can not do. she intentionally set up the payment on my pay dates and would attempt to withdraw the funds before my bank even processed my pay. I received several calls from my bank inquiring about the agency. I honestly don't even think I owe the amount she said I did. I honestly feel as though she is a scammer and I don't know what to do. I would welcome the opportunity for someone to be on the telephone when she calls to witness this rude oppressive harassment. This is not right.
Consumer complaint received 2019-10-01
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. (NJ)

I am filing this complaint because transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify the account, under section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible, thank you.
Consumer complaint received 2022-03-10
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. (DE)

This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

Late open : XXXX XXXX XXXX Balance : {$140.00} XXXX ; XXXX Late close : XXXX XXXX XXXX Balance : {$0.00} XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX Inquiries RESIDENT VERIFY Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2019-10-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (GA)

This company is on my credit report illegally, I have sent three debt validation letters that are in compliance with section 609, 617 & 619 of the FCRA, All three of my disputes was dated and sent via certified mail with notarization, LVNV kept reporting my debt as valid but would not send validation, After my third letter on XXXX XX/XX/2019 LVNV attempted to sue me for this debt, but withdrew from the lawsuit because I had paperwork proving I requested validation and never received it, this company is practicing illegal collecting which violates our consumer, FCDPA, & FCRA rights.
Consumer complaint received 2017-10-05
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

On XXXX XXXX, XXXX, I submitted A Qualified Written Request for Account No. XXXX, XXXX ( Property Address ) to SPS.

In my correspondence ( please see attachment ), I informed SPS that I was making a qualified written request under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ) and that I was requesting the following documents associated with my loan ( Account No. XXXX ) : 1 ) Appraisal 2 ) Copies of Loan Documents 3 ) Copies of Property Inspections 4 ) Escrow Statements 5 ) Homeowner Insurance Payments 6 ) Loan Payment History 6 ) Foreclosure Notices, Notices to Cure, Acceleration Notices, etc.

I informed SPS that under Section 6 of RESPA they were required to acknowledge my request within 20 business days and that they must try to resolve my issue within 60 business days. However, I did not receive a response from SPS ( please see attachment ) until XXXX XXXX, XXXX. SPS stated in its letter that since more than a year had passed since SPS had serviced my request, a response would not be provided.
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (CA)

I have been told and have had my Discover Student Loan account accordingly notated, that Discover did not report student loans delinquent to credit at 30 days, instead, they reported delinquencies at 60 days. This policy was due to their issues not being able to properly track student loan delinquencies and updates to payments in a timely manner. That being said, Discover, out of the blue reported me two x 30 days and 1 x 60 just recently this year. I spoke to multiple representatives about this and was advised that Discover could arbitrarily change their reporting policies at their discretion, but in order to assist me, would escalate the matter. It has been about a month now, and Discover has not resolved any issues and now I have multiple late reportings on my credit where now Discover is the only account I have this type of derogatory reporting issue. I have record of having made my payment for the past 6 months or so and will attach it. This company has become very difficult to work with since COVID happened and I believe that this is an attempt for Discover to disproportionately preclude people from refinancing their loans out of Discover by giving them this unwarranted and illegal black mark on their credit.
Consumer complaint received 2018-02-01
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. (OK)

I have been disputing a missed payment that XXXX XXXX reported XX/XX/. I sent proof of payment to experian verifying that the payment was not missed and they notified me that XXXX XXXX  assured them that the information was correct. I'm upset because this missed payment is negatively effecting my life. I sent in proof of payment and still got no results. What more proof can i send?. If the credit bureaus attempted to ask for payment history from the company then this wouldn't be happening to me. They concluded their last investigation XX/XX/. I have disputed this late payment four times. This is unacceptable. If a consumer sends proof of payment then that should be sufficient. I also disputed the missed payment with XXXX and XXXX  with she same incorrect information not removed.
Consumer complaint received 2017-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

For over 10 years, I have had a credit card under the name Teamster Privilege Credit card. This card has been managed for at least five years by Capital One. In XX/XX/XXXX, I received notice of some changes surrounding the use of the card in  regards to credit terms etc. When I attempted to make my payment as usual through the website, I received a message that I would need to re-register. This is a first as I have been making online payments without issue for years. After several unsuccessful attempts to complete the online registration, I called customer service to inquire. I was advised that due to my account being closed ( It has been closed for some time without issue ), I would not be able to register and that I have one of several cumbersome choices in regards to making my payment. I can ( 1 ) write a check, ( 2 ) get a money order, or ( 3 ) call customer service each and every month to make my payment over the phone. Essentially, I no longer have the option to view and pay my balance on line. Is it even legally compliant that I do n't have access to view and manage my account electronically? I spoke to several different people during the course of one day, including a supervisor, who confirmed this.
Consumer complaint received 2021-09-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (WA)

I have used USBank for ten years without much issue. USBank had enrolled me into an overdraft protection program which I never authorized. In XXXX XXXX I was out traveling and forgot to put money in my checking account and my balance hit negative. I was unaware and kept using my debit card for small transactions like coffee. The majority of these transactions are below {$10.00} dollars. 

Instead of declining these charges, USBank charged me a series of Overdraft fees, each of them {$36.00} dollars. 

In the end, the total overdraft fees ended up being {$360.00} for over a couple of days. They waived 3 of them, bringing my loss down to {$250.00}. 

I complained to them that since I never signed up for overdraft protection so they should have just declined the transactions ( so I can use another card ) and not charged me these overdraft fees, to no avail. 

Talking to their customer service, they never offered an option to opt out of their overdraft " protection '' program. They offered some even more predatory protection options which I declined. 

I opened a complaint with CFPB to resolve this issue. US Bank sent back a PDF to show that I indeed never signed up for an overdraft program but did not refund the overdraft fees.
Consumer complaint received 2017-10-06
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: EQUIFAX, INC. (NH)

XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX {$600.00} I have never argued over that supposed debt item because there is no debt item. I have lived up to my agreement and nothing is owed by me. 

MY PROOF of adherence to the terms of the original rental lease is as follows : As per the original lease with XXXX XXXX dated X/X/2011 Monthly payments of {$850.00} were due on the XX/XX/XXXX ( XX/XX/XXXX ) of each month, and considered late on the XX/XX/XXXX ( XX/XX/XXXX ) of each month. 
First of all, the lease payments during my residency did not ever total a monthly amount of {$900.00} ( {$600.00} plus {$300.00} ). Again, as the original lease reads, the monthly rent was a flat {$850.00} ( see attached ) Section 9. TERMINATION OF TENANCY BY RESIDENT Upon the first anniversary of this Lease, the resident may, at any time, thereafter, terminate this agreement by giving the Landlord a written notice of its intention to terminate. The tenancy is then terminated within thirty ( 30 ) days or at the end of the next rental month following receipt of notice, whichever is greater.
DOCUMENTS INCLUDED : Page one of the Original XXXX XXXX XXXX XX/XX/XXXX - Rental termination letter for XXXX XXXX XX/XX/XXXX - Rental payment/final payment for XXXX XXXX XX/XX/XXXX Rental payment for new residency at XXXX XXXX XX/XX/XXXX Rental payment for second month of new residency at XXXX XXXX I, as of yet, have not seen any valid proof of verification of this supposed debt. Nothing of what I have asked for in multiple certified letters has been furnished to me in any way. What I have seen displayed is YOUR willful refusal to provide proper verification as required by law. 

Where is YOUR proof of ACTUAL VERIFICATION of this supposed debt Item? 

Where is YOUR proof of ACTUAL VERIFICATION giving you the right to post this as a negative item to my credit report? 

Where is YOUR documentation! 
Since you have proven that you can not supply that proof, you must remove it from my report!
Consumer complaint received 2019-10-27
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. (MI)

I began to review information on my personal credit file and noticed SEVERAL errors and inaccuracies. Based on my rights as a consumer, I began to request verifiable documentation for the items being reported. Upon contacting several agencies, I was alerted that information was not shared, thus, indicating that company 's response to the item in question ( Bankruptcy ) being verified was not only a deliberate lie, but also illegal. The company deleted this item from my credit files, THEN ADDED this item back, which is also illegal.
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

Citibank Closed my credit card and I disputed it without any valid reasons. My husband joined a XXXX XXXX XXXX to help him and they chose to cancel anyway. I disputed for 2 years. I gave up and then Citibank sent my account into collection with a company called XXXX XXXX XXXX XXXX acct # XXXX at XXXX XXXX XXXX TX XXXX. 
I have been paying my Citibank CC that is closed with auto payment from my Citibank Checking account I have had for 19 years. I have never missed a payment nor been late they have been pulling the payments out each month. Citibank reported that I did not make my payments in XX/XX/XXXX & XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They then reported my account as a charge off since they have been reporting my account was not paid. The result of these late reporting, failure to pay and charge offs have caused my credit report score to reduce by over 100 pts. 
I contacted Citibank, XXXX XXXX by phone, mail and fax numerous times. 
I contacted XXXX XXXX as Citibank would not speak with me to get a resolution. I asked about settlement because I wanted to purchase a home. XXXX XXXX failed to tell me if I did that it would impact my credit report negatively. I made a {$830.00} payment directly to XXXX XXXX  and still continued my monthly payment. I contacted my real estate agent to get advise about what XXXX XXXX told me and she advised me not to do so I contacted XXXX same day and told him I did not want to settle that I would continue making payments. He said okay no problem but advised me incorrectly and said there was nothing he could do. 
Citibank sent me this letter I will attach on XX/XX/XXXX stating information I sent was wrong. The payment history from my bank account I will attach.
Consumer complaint received 2020-05-29
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 — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE (NY)

Barclays bank - not authorize charges XX/XX/2018 XXXX XXXX not my account ( made a police report about identity theft in NY XXXX so far didnt get any resolvement ) i went to my friends wedding in XX/XX/2018 in XXXX. when i went out with my friends i got an alert in my phone that my card was charged and it sounded like fraud. i contacted the credit card company and called them right way and they said they will dispute the charges and send me a new card by the time i get back to NY. i went back to my hotel and found out that my bag was stolen from my room. i called hotel security but they didn't take any serious action. they didn't even speak XXXX. i lost my jewelry, camera, laptop and more valuables in a different country. was XXXX broken and came back to NY, and after 3 months i saw the Credit card company put the charges back, and i asked them for the necessary documents of those Unauthorized charges, and didn't get any feedback. i am not in a position to pay for something that i didnt Authorize. the interest are adding up and in 2 years this is hurting my credit. i have always paid my bills on time. and paid off everything and always had a great credit score and reputation. and now my reputation is ruined. i cant start a business nor buy a home, for something that i didnt do. please help me. please ... 
best regards XXXX XXXX XXXX
Consumer complaint received 2021-10-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (CA)

On Monday, XX/XX/XXXX I received a letter from Chime bank with a new debit card ready for activation. The materials stated to activate the card in the app. 

It also provided me account numbers and routing numbers to give to my employer for direct deposit. 

I did not open an account with Chime bank, and wanted to take steps to remove this account. 

I called the number on the back of the card ( XXXX ) but was unable to speak to someone. 

I emailed Chime bank at XXXX ( I did not want to open their app ) and received an automated response from XXXX. She stated she would forward the information to the " Correct Department '' and I have not heard back since. 

I sent another email with additional information that might be more identifying to the account I am discussing but I did not receive any response either. 

It has been more than the 2 business days that they asked for. I would have appreciated an actual response or call from someone who would look into the matter rather than an automated response, so I am filing a complaint with the Consumer Protection Financial Bureau in hopes that they would actually investigate, respond, and close my account. 

I have already placed a credit freeze on my account ( from years ago ). 
I have placed a security alert on my account with the credit reporting agencies. 
I have placed an alert with XXXX ( which Chime does not participate in ) in order to prevent other bank accounts being opened fraudulently. 
I am happy to provide additional information as needed to settle this. I want the account to be closed and any activity to be marked as fraud.