davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A few months ago I received a bill from a collections agency, XXXX XXXX XXXX. I began calling them to inquire about the nature of this bill for {$1800.00}. 
Over the phone, they said its for your apartment and I informed them that haven't had an apartment since XXXX or XXXX and that I didn't owe anything to them. 
I am a XXXX XXXX and I lived in Grandparent 's property rent free to care for them for more than 10years.. I sent a certified letter in XXXX to the company asking them to provide me with details- who the bill is from, when the bill was created, signed documents with my signature, a lease agreement, etc. I got nothing. I then XXXX and reached out to the apartment complex they were naming where the property manager stated that there was no information with my name on it and that I needed to contact XXXX XXXX again. 

XXXX XXXX  sent me a letter dated XX/XX/XXXX asking ME for more information and said that they have yet to find sufficient evidence to validate my claims. They said that if I provide more information that helps my case, they will delete the items from the bureaus. I don't even know the details of this charge so I have nothing to send. They also provided me a copy of a bill where they put my current address, XXXX XXXX XXXX on it. I have lived here for 3 years and I don't pay rent, the home belongs to my Aunt so there is no way I could owe for here. Prior to this, I lived in XXXX, GA. 
I then sent letters to the bureaus asking how they validated the info and they replied saying " It was verified '' with no explanation as to how. My complaint is against the credit bureaus who have failed to remove the item and failed to prove how they verified the item.
Consumer complaint received 2017-02-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (IN)

I cosigned for several student loans for my daughter. These were all paid in full last Fall. 
We continue to get harassing calls from Navient at our home phone, for our daughter who does not live with us. I have called 3 times asking for our phone number to be taken out of their system. I was assured, by a supervisor on the third call, that this would occur. I asked for this in writing. They did send me a letter stating that the loans have been paid, but nothing stating that they have suppressed our phone number. These calls come sometimes 2-3 times a day. XXXX mornings. Even on XXXX. Always a robocall.
Consumer complaint received 2021-02-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

Since XX/XX/2020 I have been disputing a dismissed bankruptcy with NO replies from any of the bureaus! I have sent a dispute on XX/XX/2020 and again on XX/XX/2020 and still have had no responses. This bankruptcy is old and obsolete and no longer legally exists.
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX  Card and Wells Fargo. The Account Opened is XXXX  Card Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5000.00}. The Account Opened is Wells Fargo Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (MS)

American Express has always been a good company to me for over a dozen years and have never had any problems until recently. My wife 's card information was stolen on XX/XX/2023 card was stolen and charged XXXX on XXXX. Then the next day XX/XX/2023 another three charges were made XXXX XXXX XXXX XXXX XXXX  for XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX for XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  American Express called and informed me of these fraud charges. All of these charges were removed as fraud except for the XXXX. We disputed this transaction repeatedly and even filed a police report about this fraud charge. All other fraud charges were removed except for XXXX charge. American Express claimed that used correct zip code, so it wasn't fraud. I am unable to verify exactly what happened as it was my wife 's card, but I know she didn't make these charges as she doesn't buy things on the internet as she can't see to do so ( she is visually impaired and it is possible that someone could of stolen her card details ). She really only makes charges in person and American express knows this with her history of purchases. Usually she is with me when her purchases are made. She did not make this charge and American Express claim of 100 Percent fraud protection is just a lie.
Consumer complaint received 2021-04-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

On XX/XX/2021 I sent certified letters to ARS ACCOUNT RESOLUTIONS requesting that they validate the debts that they have placed on my credit reports. They have violated several of my consumer rights. Failed to validate a debt at my request. They have continued to report a disputed debt .I requested that they follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature what they sent me does not validate per my request account # XXXX
Consumer complaint received 2020-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (KY)

I closed my Best Buy card with Citi in XX/XX/XXXX. At that time, there was a residual balance of {$300.00} remaining on the card. Citi immediately restricted access to the online banking portal and statused my card as closed, preventing me from accessing the online payment portal. Through this action, they also prevented me from accessing online statements. When I attempted to access my online portal, they provided no information as to why I couldn't access the portal, but forced me to reset the password. After resetting the password, the online portal said I could not log in. When I called for assistance, Citi informed me that because I had " chosen '' to reset my password, it now prevented them from allowing me access through the online portal. However, they forced me to reset my password. 

I also needed to retrieve past statements for my XXXX tax filing, and Citi informed me the only way to receive statements would be have them mailed as paper copies since I couldn't access online banking. They citied that it was " more secure '' to place my statements in the mail then sending through a truly secure online process and they have no way to send financially documents securely. Just to reiterate that, the fourth largest bank in the nation with over {$1.00} XXXX in assets has no way to send documents securely online. 

In XX/XX/XXXX, I paid off and closed several cards with other major credit card issuers including XXXX, XXXX, and XXXX XXXX. None of those card issuers have restricted my access to my online account even today and even for cards with a now {$0.00} balance. 

I find it UNFAIR that Citi restricted access, when a balance of {$200.00} is still oustanding on the card and also prevented payment on the card online. I find it DECEPTIVE that they forced me to reset my password and by following their online password reset, in turn preventing Citi for restoring access to my online account. I find it ABUSIVE that they do not provide access to statement and online research while I still owe them a balance and continue to make monthly payments on time. It has caused me HARM as now I will be unable to research additional tax deductions in a timely manner for my XXXX tax returns, preventing me from taking additional financial deductions for my business expenses.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED M Y ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUME R REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2020-07-13
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

there was a charge {$25.00} for XXXX that i made on my account on XX/XX/2020 and this charge is Valid not Fraud the dispute was open by mistake and never shouldve been open. 

this charge was made by XXXX XXXX XXXX and its not fraudulent please cancel dispute i contacted capital one fraud department and unfortunately they are unable to cancel this dispute for this payment
Consumer complaint received 2020-07-13
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: DISCOVER BANK (TN)

My husband recently downloaded a budgeting app and when he entered my Discover Credit Card, he saw a charge for Payment Protection Plan. Since I usually just pay online and avoid reviewing individual transactions, I had never noticed the charge. The most recent charge on XX/XX/XXXX was {$83.00}. We called in and find out I have been enrolled in this Plan since XXXX of XXXX. I could not believe it. I opened the account as a college student and I distinctly remember agreeing to a monthly Wallet Protection for {$3.00} a month, which I have taken advantage of in the past, but never a Payment Protection Plan. I remember pondering whether or not to agree to the {$3.00} Wallet charge because I was a working college student and was careful of every dollar in and out. The manager on the phone said the Payment Protection Plan began on XX/XX/XXXX, and was opened based on a call at XXXX XXXX   on XX/XX/XXXX, a Thursday Night. There is no chance I made that call, and I know I never agreed to this plan. I asked the manager if there was any proof written or any recording of a call where I agreed, and he couldnt come up with anything. He just said the best he could do is cancel the plan and refund us the past 6 months, that would equal {$460.00}!! We looked online and could only go as far back as XX/XX/XXXX, he is mailing us our statements back to XXXX, but each month since XX/XX/XXXX I have been charged $ XXXX {$100.00}! This charge each month has affected me in more ways in my life than just having a high card balance. We researched and found over XXXX XXXX consumers have been affected by this same tactic by Discover Bank. I feel insulted at the offer of {$460.00}, and I believe I am owed a full refund for the total amount I was charged without my knowledge or consent.
Consumer complaint received 2020-05-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

SPS, Select Portfolio Servicing, purchased my mortgage from the previous lender ( XXXX, XXXX XXXX XXXX ) in 2019. SPS is conducting activities during the payment process designed to deceive the customer, and to cause customers to incur additional fees because of SPS ' intentional delaying tactics. 

For example, they will not permit me to log in to pay my account until I receive a " verification email '' from them. This is the procedure I have had to endure each month when I try to make my payment, for the past nine months. 

They say on their web page : " We'll send your code to the email address listed below. Please verify this email and click Continue ... ... Allow time for the email to be sent. We will send it immediately, but other factors determine how quickly you will receive it in your inbox. Be sure to check your SPAM folder if you have one. If you waited but never received an email from us, please contact customer service. " After this page is published they then fail to send the email, at least not until after the online session times out ( Screenshot attached ) or you call customer service and wait on the telephone for an extended period of time, last time was about 40 minutes. Then when you do get a customer service representative on the line, they tell you it is your fault because you " cleared the cache '' on your computer, and that by doing so you have removed their capacity to recognize the computer you are using. As if they have the privilege of determining which compute I might use to make my payment, or how I should operate it! Outrageous! 

As of this moment it has been just over 35 minutes since I received notice at their website that I should check for an email, and none has arrived. 

They are trying to generate late fees and service fees by this tactic, and it is simply fraudulent. So far I have managed to spend the time each month to comply with their foot dragging, but it is infuriating.
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (TX)

In accordance with the Fair Credit Reporting Act TD Auto Finance Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC (TN)

There is a debt collection company by the name of WAKEFIELD & ASSOCIATES reporting an alleged debt on my consumer reports. I, XXXX XXXX am unfamiliar with this debt. I was not given enough information regarding this debt, and I was not given the opportunity to dispute this alleged debt. I was also not given any disclosures regarding this debt collection company. WAKEFIELD & ASSOCIATES is ruining my reputation per 15 USC 1692d ( 1 ) parking this alleged debt on my consumer report with all three consumer reporting agencies. This company is reporting an incomplete account on my consumer disclosure report with XXXX with notations of " No Data '' ( ND ). This company is also giving off implications that they may be an attorney. This is reflecting on my XXXX consumer disclosure report. A violation of 15 USC 1692e3. This company is also not licensed to collect in the state of Tennessee. A violation of Tennessee Code 62-20-105. This is abusive deceptive behavior. This is not the first time this company has been abusive. This company has been sued regarding multiple offenses of abusive deceptive behavior.
Consumer complaint received 2020-07-13
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2015-12-09
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Wilson, Riley & Associates (SD)

I received a voice message from the number XXXX. It stated that they were trying to reach XXXX XXXX. I am not, nor do I know anyone by this name. The message stated that it was investigator XXXX calling. She said she '' d been asked to contact XXXX XXXX directly to serve a summons and that XXXX should either contact them or fax a stand down order or she would be out with the XXXX XXXX XXXX 's office to serve a summons. She ended the call with, " Thank you and good luck. '' I was directed to call XXXX with case # XXXX. I did call that number and ask to have my phone number removed from their database as I am not XXXX XXXX. They simultaneously insisted it was their process server calling and not them and that they had removed my number. Then XXXX hung up on me. When I attempted to call back to ask to speak to her supervisor, she refused to put me through to anyone else saying she was the highest ranking person there. She called me rude and nasty even though I had not been derogatory towards her, then made some type of comment about feeling sorry for my husband. I do believe that the threatening nature of this call is a violation of fair collection practice. It is also a simple process to verify that they are calling the correct party, and in failing to do so and leaving threatening messages for unintended parties with small children in the home they demonstrated highly irresponsible behavior. I have saved the message and will gladly replay it for any investigators interested in pursuing this further.
Consumer complaint received 2021-02-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC (DC)

I was informed by XXXX on XX/XX/2021 that Sequium Asset Solutions had placed a Debt Collections notice on my credit report ( filed on XX/XX/2021 ). 
-- Report # XXXX -- Acct # XXXX I have never received any notice from any creditor or company about this matter. The notes in XXXX placed by Sequium Asset Solutions resulted in an immediate 125 point reduction to my credit score. 

Sequium erroneously filed claims with all three credit rating agencies that I owe {$1800.00} for an account opened on XX/XX/2021. 
-- No details or proof of purchase for this claim have ever been provided or even mentioned to me by Sequium or any other party/company. 
-- By the way, the emails and pop-up adds from the credit reporting agencies when one begins the dispute settlement processor are also unsettling and unhelpful as they seem to imply that debt collector must be correct and that it will likely lead to a protracted dispute process. Then they barrage the person disputing with numerous expensive services. 
-- A note on one credit report seems to connect the action by Sequium to services by XXXX XXXX XXXX. For the record, please note that I have not used any XXXX XXXX XXXX service or product for more than 20 years.
Consumer complaint received 2018-02-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc. (MI)

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I sent Merchants and Medical ( also known as XXXX XXXX XXXX ) three letters regarding a balance they say I owed. The account number in question is XXXX Reference number XXXX. I do not recall this debt with Merchants and Medical ( also known as XXXX XXXX XXXX ). 

I am requesting a re-investigation. In addition to validation, I am disputing the balance listed as an amount owed, AND THE DATE OPENED FOR THIS ACCOUNT. The request for validation stated to provide a copy of a SIGNED contract bearing signature indicating that I have ever had any OBLIGATION to pay MERCHANTS & MEDICAL ( XXXX XXXX XXXX ). As stated before, a BILLING STATEMENT DOES NOT VALIDATE this debt. Based upon your abusive practices of PROHIBITED CONDUCT, you are seeking unjustified amounts, which would include demanding any amounts not permitted under an applicable contract. The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874,  codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX ( and as subsequently amended ) is a consumer protection amendment, establishing legal protection from abusive debt collection practices. 

The Consumer Credit Protection Act, as Title VIII of that Act statute states purposes are to : eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. 
Per the FCRA 15 U.S. Code 1692g - Validation of debts- this debt is deemed not validated and is UNJUSTLY REPORTING to the credit reporting agencies. Per the Fair Credit Report Act ( Inaccuracies in consumers report ), you are required to delete this debt from all three credit reporting agencies immediately. 
Once again, failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : DISCRIMINATION Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Consumer complaint received 2020-06-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A. (KY)

PNC will not allow me to connect my bank account to XXXX XXXX because I guess they've had too many problems with it but it won't allow it I should be allowed to use my debit card wherever I like!