davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-17
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: GOLDEN 1 CREDIT UNION, THE (TN)

When I presented my complaint to the card business, I was told it would take up to three months to resolve the issue. My assumption was that someone had used my credit card number. 

My credit card statement dated XX/XX/2020 showed a charge in the amount of {$1500.00}, that was posted on the statement XX/XX/XXXX, made by XXXX XXXX XXXX The telephone number was XXXX CA, with a reference number following. It was a bogus number. 

I disputed the charge, and the transaction post date was shown as XX/XX/2020. The terminology used is as follows : DISPUTE ADJ TO ACCOUNT {$1500.00} with reference number following, but no minus sign. 

On post date XX/XX/XXXX, again : DISPUTE ADJ TO ACCOUNT {$1500.00} with the same reference number as XX/XX/2020 but this time, with minus sign. It was explained to me at the time that an error was made by listing the {$1500.00} twice, but was unable to explain why the minus did not show up for the second listing. 

On XX/XX/2020, I received a letter from the resolution team for the card company that reads as follows : " The credit previously issued to you, in the amount of {$1500.00}, is now considered permanent and this notice serves as a final resolution of your claim .... '' I was not given any reason for the charge on my account, or that any investigation was done. 

However, I have learned that the telephone number for XXXX XXXX XXXX is bogus, and I believe this card company I'm with do not have the tools with which to " catch a thief '' My record shows that I pay all bills that belong to me.
Consumer complaint received 2020-08-20
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: FC HoldCo LLC (AZ)

XXXX  has failed to verify debt and the investigative process XXXX XXXX XXXX XXXX  The Bankruptcy Court has no jurisdiction over credit consumer reporting agencies and the court does not notify reporting agencies when a bankruptcy case is filed, nor can the court request that a specific record be changed. Information on your credit report has generally been reported by your creditors and is gathered from public sources by the reporting agencies. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will re-check these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Flagship credit acceptance has refused to verify my account. 

XXXX XXXX XXXX XXXX has two entries they must be removed they are not my accounts XXXX XXXX XXXX  must be removed two entries they are not my account
Consumer complaint received 2020-07-01
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)

ALL FTC VIOLATIONS REPORTED TO THE FTC AND NOW YOU COMPANIES : XXXX XXXX XXXX XXXX  {$610.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX  XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$610.00} High Balance {$610.00} Remarks -- XXXX XXXX XXXX {$500.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$500.00} High Balance {$500.00} Remarks -- Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 75 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$4500.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$3000.00} Times 30/60/90 Days Late 3/3/2 Remarks Charged off account XX/XX/XXXX Creditor Name XXXX XXXX Account Type Deposit Related Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed Date -- Limit -- Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$230.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment -- Amount Past Due -- Times 30/60/90 Days Late Last Reported XX/XX/XXXX Creditor Name DEPT OF ED/XXXX Account Type Education Loan Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 39 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$100.00} Highest Balance {$98.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 0/0/3 Remarks Fixed rate
Consumer complaint received 2020-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (GA)

What happened with my bank is this ... In XX/XX/2020, I purchased bunk beds for my children. I received the merchandise and attempted to put it together. When I could no longer by hand, I had my friends husband come by and attempt to put it together with power tools and it still was unable to be assembled. I called the company 3 days after receiving the product and left a voicemail and got no return call. I then began emailing and then got a response. Me and a lady with the bunk bed company wasn't understanding and kept saying she would resend a missing piece of which there was one. I tried to stress to the company and my bank, that it wasn't that, that made me want my money back. If it was just a missing piece, I would've just said send it, but screws were getting stripped trying to be screwed in, and others weren't staying in. This was all attempted with power tools. I disputed the transaction with my financial institution and on both occasions, yet my children are still sleeping on mattresses on the floor. They are making it like it's a buyer 's remorse dispute, when in fact the merchandise is defective.
Consumer complaint received 2020-05-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

In XXXX, XXXX, we took an auto loan offer from a local credit union to finance a certified pre-owned XXXX XXXX car. We also set up an automatic payment from our Wells Fargo checking account to make an ACH payment each month automatically so that our payment would be timely. We thought everything was going fine until both I and my wife each received a delinquent payment reminder from the credit union in the mail on XX/XX/XXXX. As it turns out, we have discovered that our monthly payment is not an ACH transaction but rather a check mailed out by Wells Fargo to XXXX XXXX XXXX XXXX XXXX each month. We were never notified of our payment not being completed by the faster ACH process -- we always thought our payment was an ACH transaction. The reason we thought this was an ACH was because our payment was scheduled for the XXXX of each month and always cleared in our Wells Fargo account within two or three days after the XXXX of the monthlong before the end of the 10 day grace period ( on the XXXX of each month ). 

However, we just learned that Wells Fargo has been instead mailing our payment to the credit union every month instead of doing the understood ACH transaction. 
Furthermore, we find it VERY ODD that our payment was clearing in our Wells Fargo account up to a week or more before the payment was registered at the credit union. 
We couldnt believe it when we found out Wells Fargo deducts the payment, not when the mailed check is cashed by XXXX XXXX XXXX XXXX XXXX but instead on the date it is mailed. This made it appear that our Wells Fargo loan payment was always on time. Is this practice even legal? How can a bank deduct their own check from a customers accounts before the check is even cashed by the payee? Isn't this known as front-running. By doing this, a bank could increase their cash balance sheet by millions of dollars in uncashed payment deposits for a week or more. 
As it turns out, almost every payment that Wells Fargo has been mailing ( not electronically sending ) for the last 3 years has been late and incurring a {$25.00} fee.. Our fees have accumulated to about {$450.00}. 

We depended upon Wells Fargo to transact our payment for us in a timely manner and to be completed before our grace period was over each month. We even had initial phone support with Wells Fargo to set this auto payment up in the beginning to make a timely payment. By our account clearing our monthly payment before the grace period was over, we were misled by Wells Fargo that our payment was being transacted on time. As a result, we have accumulated {$450.00} in fees ( {$25.00} per late payment ) over the 3 years weve had the loan with the credit union.
Consumer complaint received 2021-03-01
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAINE & WEINER COMPANY, INC. (AZ)

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., XXXX., in accordance with basel 3 accord and XXXX XXXX.
Consumer complaint received 2020-07-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc. (CA)

I had a medical procedure back in XX/XX/2016 and was billed {$120.00} by the XXXX XXXX XXXX XXXX XXXX. My insurance paid the amount and I got a receipt from the XXXX XXXX XXXX XXXX XXXX ( attached below ). I also attached proofs of my insurance covering the amount. I disputed this issue to XXXX, XXXX, and XXXX and while XXXX and XXXX immediately erased the collection from my credit report, XXXX continues to hold that the collection is mine responsibility even though I have the necessary proofs that the collection is not mine.
Consumer complaint received 2018-02-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CHECK INTO CASH INC. (CA)

l went to check in to Cash to get a payday loan. I borrowed XXXX dollars and they gave me XXXX. That is the amount I am supposed to receive I get paid once a month I pay the loan back and that day I borrow the XXXX back. I have been borrowing from this company for at lease 2 years I have never been late and each month i go in to pay this loan. Last XX/XX/XXXX I went to take out a loan with Check in to Cash and they ran my credit they didnt give me the option to choose if I wanted them to do this. I wasnt even asked. They didnt have anything posted. I called and complained and they told me they should have asked me or had it posted. The company also told me it would be removed. They never remove the inquiry. Since that date they have made 2 more inquiries on my credit. XX/XX/XXXX and XX/XX/XXXX. I have called this company corporate office more than 3 Times and nothing has been done about it. They just are giving me the run around.
Consumer complaint received 2020-07-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Doing a refinance expressed our need to have appraisal done to drop PMI and signed off on a full appraisal at {$530.00}. We were not notified until after appraisal was done that they ordered a drive by  and appraiser did not even get out of car. Expressed our concerns with the bank and were told to wait and see what came back. The report that came back did not properly represent our home. The bank told us to contact the appraiser. The appraiser told us that he was told not to even pull in our drive way, also said it was ver hard to pull comps on country homes and he would be happy to come out and do full appraisal as he does these all the time. We requested that from the bank they denied and said they would not budge. We now have to go with another company so we can get a full appraisal to accurately value our home. If we are paying for the appraisal why weren't we informed it wasnt going to be a full appraisal. we have to pay for another appraisal with the new lender since a drive by is not recommended by them. I would like a refund for the application fee as we would not have went with them if we knew that was how they were going to handle the appraisal. I was promised a call from management only to never receive one. I found out to that they waited to auto deduct XXXX XXXX mortgage payment and it is now showing as a late payment on my credit history. I called to Express my concern and was told they would look into it. this is unacceptable against my perfect payment record on my credit score.
Consumer complaint received 2019-05-24
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. (MS)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX/XXXX XXXX ; XXXX/XXXX XXXX ; XXXX/XXXX XXXX ; XXXX/XXXX  XXXX ; DEPT OF ED/XXXX XXXX XXXX ; DEPT OF ED/XXXX  XXXX XXXX ; XXXX/XXXX XXXX ; DEPT OF ED/XXXX  XXXX XXXX ; DEPT OF ED/XXXX XXXX XXXX ; XXXX/XXXX  XXXX XXXX XXXX XXXX ; XXXX   XXXX ; XXXX XXXX ; XXXX/XXXX XXXX and XXXX/XXXX XXXX
Consumer complaint received 2018-06-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (GA)

I was reviewing my credit report and discovered that XXXX XXXX had added a file that I owed them a past due balance. I contacted XXXX XXXX and inquired about the past due balance. They stated it was for an apartment I once lived in. I explained that I had moved from the apartment I shouldve owed a balance to XXXX XXXX. I nevertheless paid the past due amount to settle the account Immediately. 

I reviewed my credit file a few months later the same information was listed on my credit file by the name of Infinite XXXX/TSI collection. The debt showed paid, I didnt pay TSI, I paid XXXX XXXX and the agent at XXXX XXXX told me it would be taken care of.
Consumer complaint received 2018-06-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (MA)

XXXX XXXX delinquency on my credit account showing as negative the account was open in XXXX and still showing on my credit account profile. XXXX XXXXXXXX sold the debt to XXXXXXXX XXXX in XXXX and they posted in my account as opened in XXXX. This account was original opened in XXXX.
Consumer complaint received 2018-06-21
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: EQUIFAX, INC. (LA)

There are inquiries on my credit reports that does not belong to me. I didn't authorize these inquiries. I have contacted the credit bureaus and I have not received any resolution. I have good credit and I am very careful how I utilize my credit.
Consumer complaint received 2023-07-27
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: TRUIST FINANCIAL CORPORATION (NC)

Truist bank Mobile deposit XX/XX/XXXX - on XX/XX/XXXX between XXXX and XXXX XXXX I made a mobile deposit for a check for {$2900.00}, Ive been with bb & t/truist for over 8 years and also have my auto loan through them. Money goes in and out of my account every month to atleast pay for my car loan and Ive done multiple mobile deposit before. The have put an administrative hold on the check and says that my money wont be available until XX/XX/XXXX. I dont see why there is a hold being that the check is from an insurance company to pay for a comprehensive collision I was in. My car is currently needing to be paid for, I have to get to work I have bills to pay and also Im struggling at that so it doesnt make it any better. That means I would have to struggle to go and make my money for the day cause I wont be able to get my car for another week! Ive called this on XX/XX/XXXX and the first represntive told me that my money was deposited on XX/XX/XXXX and should be in the account on XX/XX/XXXX, I was a little skeptical about that because Im clearly looking at the app and mobile deposit receipt and it says XXXX so then i decide to call a few hours later with little to no help at all and was told the check has to be verified first and would have to wait to access any of my money. This isnt the only problem every time I try to send money to my checking account on truist the payment fails but works with my other bank chase. I get that there could be good reasons for this but seemingly everyone has been having this problem since a the merger with little to no help putting them in tonight positions and something should be done about it. This is really giving me a debate on Wether to continue banking with truist or not.
Consumer complaint received 2018-06-22
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Nelson and Kennard (CA)

Someone calling him/herself " XXXX XXXX XXXX '' has contacted me multiple times attempting to collect an alleged debt. I have demanded that " XXXX '' provide the complete account number of the alleged debt, the name and address of the alleged creditor, and verification that " XXXX '' is authorized to act in loco creditore. " XXXX '' failed to provide all of the information I requested.
Consumer complaint received 2024-03-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I am a victim of identity theft and these damages are a defamation of my character. 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft. Please delete these items IMMEDIATELY. These account should not be furnished on my consumer report as they are in VIOLATION!!!! Under, 15 U.S. Code 161b- Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENETITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. XXXX XXXX XXXX XXXX XXXX XXXX Original Amount : {$15000.00} Current Balance : XXXX XXXX XXXXXXXX Unsecured Original Amount : {$2800.00} Current balance : XXXX XXXX balance {$650.00} XXXX XXXXl Original Balance {$1000.00} Current Balance {$1000.00} 1 Inquiry : XXXXXXXX XXXX XXXXXX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation (PA)

XXXX XXXX is reporting a collections account from XXXX XXXX XXXX ( utility ) that was already paid to XXXX. They then reported to the credit bureaus that the collection was paid in full. This is inaccurate. I never paid them and they are still reporting a collections to the credit bureaus. I have disputed this with them and the bureaus and XXXX XXXX refuses to remove the inaccuracy.
Consumer complaint received 2018-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

See attached file/detailed letter to Bank of America. Please feel free to contact me for additional information. 

Bank of America mistakenly froze my account which resulted in around 16+ creditors having their payments from me refused, rejected, or denied by the bank. The best explanation I received from the bank was that the name of a non-existent person was mistakenly attached to the account and because attempts to reach this person were unsuccessful, they froze my account. One of their customer service representatives also mistakenly connected my debit card to my son 's account resulting in me draining most of his funds. Around five additional customer service reps also gave incorrect information to me or insisted that I had the wrong routing number and told me I would have to contact creditors with the " correct '' number. It turned out that all customer service reps were wrong. I have spent much of the last month dealing with phone calls, emails, and letters trying to sort out this humiliating and time-consuming situation. This " mistake '' has caused lasting negative financial, emotional, and personal repercussions. 

Full details are given in the attached letter.
Consumer complaint received 2021-09-13
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. (GA)

On XXXX I sent a letter to Experian asking incorrect reported items on my credit report to be reviewed and corrected and have not received any communication in over 30 days. FCRA says a response must be made within 30 days.
Consumer complaint received 2021-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Vanguard Financial Services, Inc. (OH)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC