davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

I opened an account with Wells Fargo slightly over 4 months ago. Pre-Covid-19 Pandemic. They had a promotion at the time offering a {$400.00} dollar bonus if certain conditions were met, Including funding the account within a certain time frame, receiving direct deposits, keeping the account open, and so on. I met all of the requirements of the account, except for receiving a direct deposit totaling {$4000.00} over the 4 months. ( to be accurate, i missed the number by $ XXXX {$42.00} ( depending on the representative i spoke to ) The reason for this was due to the pandemic, specifically the local emergency orders prohibiting me from working. Due to this, the direct deposits in my account had to cease. I tried to call Wells Fargo to see if we could reach some kind of agreement. The representative over the phone was nice and seemed to agree with me, but after checking he said there was nothing they could do. I think this is unfair to consumers because no one could have foreseen the coming pandemic and the issues it would cause. Had they extended the deadline by just a bit longer, deposits would have began again. The branch by me was not even open at all times during the pandemic, making it impossible for me resolve the issue another way or speak to a banker. 

Furthermore, I am also concerned with an issue that I have specifically with Wells Fargo, when I go to ask for rolled coins, they are short changing the rolls and not providing the amount paid to them. I have ordered rolls of quarters ( {$10.00} rolls ) and on multiple occasions received rolls missing $ XXXX {$0.00}. This also applies to rolls of Dollar Coins. I have received rolls of dollar coins which contained a quarter in the middle of the roll. Several rolls have contained foreign currency instead of american dollars. I have brought this to the attention of at least two branches, one located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX and another located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. Most times the bank has rectified the error when i realize it when opening the rolls in the bank, but many times the missing money has only been realized once the rolls are in use, and the bank will not acknowledge fault in that case. The bank has said that the issue could be because they don't check the rolls that customers drop off. This may be  short changing people of thousands of dollars if occurring at a national level.
Consumer complaint received 2020-07-23
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. (NY)

I pulled a copy of my credit report and notice the 3 major credit reporting agencies were reporting Lvnv funding collections account. I ask them to do an investigation because I thought it was an error on their part. The credit reporting agencies responded stating that the lvnv funding verified that the account is reporting accurately.

I wrote a letter directly to them asking them for the following information Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). Full chain of assignments from charge off to present ( 7 ). If Purchase the debt from the original cre
ditor then proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract They responded with a computer generated statement a 15 year old can create as proof that the account belong to me.
Consumer complaint received 2020-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are credit inquiries on my credit report that I did not authorize. I only allowed XXXX to pull my credit one ( 1 ) time and I'm not sure how they were allowed to pulled my credit numerous of times without my consent. I did not authorize the following inquiries and I want them removed immediately. It should have been a red flag with Transunion, XXXX  and XXXX. I want the following inquiries removed XXXX can not provide any infomation or signature stating I agreed to any of the following hard pulls on my credit file XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX  XX/XX/2020
Consumer complaint received 2020-07-23
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. (GA)

Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 

My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Consumer complaint received 2022-04-25
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: Paramount Recovery Systems, L.P. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states consumer reporting agency can not finish an account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose Original Creditor : XXXX XXXX XXXX Amount : {$2500.00}
Consumer complaint received 2021-04-08
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC (GA)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Consumer complaint received 2020-07-22
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. (NJ)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2017-12-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (DC)

I had an account with XXXX XXXX XXXX that was charged off due to financial hardship and in XXXX XXXX 2017 I paid the debt collector XXXX who has failed to notify the original creditor ( XXXX XXXX XXXX ) that the account was paid in full. I have tried to reapply for a XXXX XXXX XXXX card as I need to rebuild my credit and now XXXX XXXX XXXX advises me that they ca n't remove the mark that my account has been charged off even though I have paid the account off. I have sent XXXX XXXX XXXX notification that the account has been paid in full and they said they have no record of the account being paid off.
Consumer complaint received 2023-01-30
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: EQUIFAX, INC. (TX)

There is an account from XXXX XXXX debt collection agency reporting on my XXXX, Equifax, and XXXX credit reports. This information that is reported is inaccurate and against the contract that the original creditor signed. The original creditor XXXX XXXX XXXX made me sign a form to relieve me under any responsibilities on the lease being broken because I was just a property manager for a company that I worked for XXXX XXXX and the financial responsibility of the lease was on XXXX XXXX and XXXX XXXX. XXXX XXXX agreed and signed off on the responsibility to be on him and XXXX XXXX. I was only put on the lease to be able to hold a set of keys for them both since they were always out of town. The paperwork that I have attached legally says that XXXX XXXXXXXX XXXX name is removed from this lease so it should not be reporting on my credit reports with Equifax, XXXX, and XXXX. The credit bureaus keep ignoring my requests and have not formally validated the debt because I have sent this information off before. I demand that this collection agency stop its collection efforts for reporting unfair and inaccurate information. Also, my name is XXXX XXXX ( Proof of ID Attached ) This situation that this creditor did not tell the truth about has been an invasion of privacy and a defamation of character to furnish incorrect information without my permission. Especially when I am not responsible for this debt. I have not been able to rent a new home. Please delete it immediately so I do not have to ensure legal action.
Consumer complaint received 2020-07-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (CA)

I dispute the information being report by FLAGSHIP CREDIT ACCEPTAN FLAGSHIP CREDIT ACCEPTAN # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX this auto loan was paid in full by my auto insurance and my gap insurance. I believe this company is trying to get extra money from me when this account should show paid in full. 

I refuse to be strong armed into over paying on an account that has already been satisfied. this company is fraudulently reporting incorrect information out of spite and greed. remove this damaging information from my report. I request this complaint be escalated to an executive/level in which this item can be resolved.
Consumer complaint received 2019-05-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: P.S.C., Inc (WA)

On XX/XX/2019 I discovered a wage garnishment, from P.S.C. Inc. located in XXXX Washington, on my pay stub, and asked the accountant at my work about it. They said yes there is a currant wage garnishment, for the amount of XXXX dollars, he asked if I was notified and I said no. I do know that I am supposed to get notice of this type of legal information before my employer so I can have time either to dispute or come to an agreement with said company. I have not received any phone calls or proper written information on this matter to get to the bottom of this.
Consumer complaint received 2021-04-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (FL)

I received a call the day before Christmas XXXX. A very rude male, kept talking to me like he knew me. It was the holidays I played along. 

That's when I was told that I need to pay my bill. The person refused to identify, or transfer me to supervisor. 

Continued to talk down to me. I refused to verify any of my information. He said that was ok. He would make sure I knew who he was. 

Not long after I noticed repetitive derogatory flags on my credit reports. Some days apart, some the same day, never longer than a week apart since. Derogatory marks for late payments. 

Not long after I was served paper work, late at night by a female pounding on my front door. Pretending to need medical assistance. 

So I finally see who has been causing all of the XXXX. 

XXXX card services sold my debt. Which was XXXX $ to Midland credit who says I owe XXXX $ This card was payed on time for years. 

I was severely injured at work, workers compensation cut me off short after. I spent my savings trying to stay a on top. 

It came to credit card bills or food for my family. 

Food for my family was an easy choice. 

Now a year later I have numerous derogatory marks on my credit from midland credit. From the same debt. 

They never sent anything to the house to verify anything. 

I went to the pre trial day before yesterday. 

I pleaded that I have no job and only have XXXX $ a WK unemployment. I have no money to pay. 

I said I could try to establish XXXX $ to stop them from proceeding. He refused the offer 'stating it was insufficient ' and requested a trial. 

I apologized. Telling him that, the money I had was for rent. He kept telling me it wasn't enough. 

I couldn't have felt smaller, more belittled. 

I was given the contract information for an automated network. Told to call talk to somebody else. 

Now I have a trial, and wake up to more derogatory dings on my credit. For the same debt, the day after court. Just days after the previous one. 

There employees are intentionally causing unjustified harm to my credit and well being. Because I didn't simply comply with their request to pay XXXX $ I am Worried that they will not stop until someone intervenes. 

How can they continue to batter me? The debt hasn't been payed in years? How can the make current derogatory records repeatedly, stating im missing payments.. 

The company sold the debt. Midland credit had never formally identified themselves or my debt. 


In XXXX and a pandemic. This is XXXX.
Consumer complaint received 2022-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc (NJ)

Good evening! 
After reviewed my Bank Statements and Called my Bank too. I figured out that the amount you said I owed was already paid by XX/XX/16 Confirmation number is XXXX. 
XXXX. 

For any other additional information, you can reach me out through my email XXXX regards XXXX XXXX
Consumer complaint received 2021-04-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (MA)

Citibank closed my account implying fraud activities, I spent more than a month trying to resolve the issue before theuly closed the account. I waited more than 20 days for the check with the remaining balance to arrive by mail and decided to call them for clarification. The representative told me they would provide a stop payment on that current check which I was told was sent on the XXXX of XXXX, and that they would send a new one. This was around the XXXX or XXXX of XXXX last week. Idecixed to call them up for clarification on this substitute check sent and like it has always been from the start, they made it really difficult to provide ANY information on the issue. All they provided was that the issue is under investigation and that they could not provide any further information. In other words, they completely ignored the fact that snother substitute check was sent ( or not ). I feel completely HELPLESS and that they are playing me and most likely other custumers as fools. I have over XXXX XXXX dolars from my hard work pay and have not seen a XXXX of it ever since. Considering how dificult it has been for people to overcome this current pandemic situation, this has affected me to a higher level.
Consumer complaint received 2019-10-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Komyatte & Casbon, P.C. (IN)

KOMYATTE / CASBON HAS THIS ON MY CREDIT REPORT AND ITS KEEPING ME FROM BUYING ME A HOUSE AND ITS MESSING UP MY CREDIT AND I HAVE KNOW KNOWLEDGE OF THIS ACCOUNT I HAVE INSURANCE AND IT PAYS ALL MY MEDICAL BILLS SO PLESE DELETE THIS FROM MY CREDIT REPORT
Consumer complaint received 2021-09-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

After reviewing my credit report I noticed a collections from Midland Credit Management with the original debt from XXXX XXXX XXXX. This is not my debt. I am currently still with XXXX XXXX XXXX  and have excellent payment history with them. This collection is not mine and is fraudulent. My mail box has been broken into several times over the last five years. I have reached out to the collection agency several times and they still have not deleted this account. I want this account deleted ASAP off of all three of my credit reports because this is not my debt.
Consumer complaint received 2021-04-09
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: Colony Brands, Inc. (OH)

I am complaining against XXXX credit bureaus regarding the alleged account with Monroe & Main. This bureau and Monroe Main have repeatedly ignored my request for debt validation and proof of this alleged debt with Monroe & Main. 

I sent both parties a request to complete the about investigation and show how the account was validate if it come back verified on the following : XX/XX/21 Tracking # XXXX XX/XX/21 Tracking # XXXX XX/XX/21 Tracking # XXXX XX/XX/21 Tracking # XXXX XX/XX/21 Tracking # XXXX XX/XX/21 Tracking # XXXX Now of these letters have been address, but my reports show this account charged off with a balance which is illegal. The account is filled with error, inaccurate, incomplete and unverified information.
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (AL)

ChexSystems This company denied my opening an account without explanation. I downloaded a copy of my report and there is nothing at all derogatory on the report. It is clean. However, they provide no explanation for the denial whatsoever. All their phone numbers are automated systems with no way to reach an actual person to get this resolved. 

The bank with which I was applying for an account, XXXX XXXX, stated that they can not help and that they do not know why my application was rejected. Online searches indicate that ChexSystems has a history of providing misinformation, and also a history of ignoring disputes, which under the FCRA is illegal.
Consumer complaint received 2018-06-14
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: EQUIFAX, INC. (NY)

after my legal separation from my husband he started to open credit in my name with no permission I have a legal case against him but can not find him he has ruined my life his name is XXXX XXXX XXXX   remove I have disputed by mail with all three credit bureaus. act # XXXX owing an alleged {$2200.00} XXXX   XXXX orig creditor XXXX
Consumer complaint received 2022-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

On XX/XX/2022 I received a letter from the Bank of America that a credit card had been opened in my name. It was for the Bank of America Unlimited Rewards Signature visa card. I never applied for this card and I never gave them consent to pull my XXXX score. They pulled my credit with XXXX without my consent. 
Reference number XXXX
Consumer complaint received 2021-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

i called capital 1 credit card manager XXXX said she wont give me {$38.00} late fee credit. my payment was not late i paid it on XX/XX/XXXX at XXXX central time and she said it aint late til XXXX eastern time which it would not make it late. i did the payment on the capital one website so i have proof in writing that it was not late and paid by XXXX centeral time so i will not make anymore payments to this card until im credited this late fee of {$38.00}. and a late fee of {$38.00} is quite high for a late fee and im disputing this. until i get {$38.00} late fee no more payments will be paid to this card
Consumer complaint received 2020-07-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: The Best Service Co.,Inc (CA)

I had an account with XXXX XXXX XXXX XXXX. Fraud was committed on the account and a police report was filed and provided to the bank. I dispute owing the amount of {$1000.00}. This was a fraud case and all appropriate actions were taken to report and all police documents were provided to the back as requested. This item is being incorrectly reported and needs to be removed from my credit report. This is not a correct charge.
Consumer complaint received 2020-11-29
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. (AR)

this account is still reporting on my credit report after multiple disputes. the credit card company hasnt sent me any information to verify that this account is mine although i know that it is not. They have not responded to my disputes and have been negligent when it comes to resolving this matter
Consumer complaint received 2021-04-07
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: EQUIFAX, INC. (NC)

I received a copy of my credit report and found that there is an error in the following item : 1 ) XXXX  ( Charge Account, Opened XXXX XXXX, XXXX ( 9 yrs, 1 mo ) ). 2 ) XXXX XXXX XXXX ( Charge account, Opened XXXX XXXX, XXXX ( 8 yrs, 11 mos ) ). These accounts have been in my report for over 7 years. I already wrote to the company months ago and still have no response.