davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe (FL)

I had withdrawn from XXXX XXXX XXXX before beginning my first set of classes for medical reasons. I disclosed this to the school and they successfully withdrew me. I had already received a few books and attempted to return them. They rejected the return multiple times and charged me over {$600.00} for these few books! Next thing I knew I was receiving calls and letters from Conserve attempting to collect this debt and charging me over {$800.00}, which is more than the actual balance! Then, without validating, they reported to the credit bureaus! I sent three certified letters requesting validation ( XXXX, XX/XX/XXXX, XX/XX/XXXX ). I received responses in XXXX and XXXX to the XXXX and XXXX letters. These letters did NOT validate, did not provide ALL that I requested, NOR clear evidence bearing my personal signature accepting ownership of the debt and the exact amount alleging owed. They reported to the bureaus before responding to my request for validation and are collecting an inaccurate amount, therefore not only inaccurately reporting they are FRAUDULENTLY reporting this debt to all three bureaus! I've now sent a fourth certified letter ( XX/XX/XXXX ) requesting deletion. I have yet to receive a response or deletion on my credit report from this final letter, nor the XXXX letter that I sent.
Consumer complaint received 2018-07-26
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc. (GA)

Original Creditor : XXXX XXXX XXXX XXXX Collection Date : XX/XX/XXXX High Credit Term {$8500.00} Balance Owed as of XX/XX/XXXX {$21000.00} Do not owe this company and have repeatedly hit my credit report every month since XX/XX/XXXX. 

XXXX XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (VA)

LOWES ADVANTAGE CARD reported an inquiry on my consumer report without fully disclosed information related to such reports being made upon our initial communication. they also failed to provide me with the option to opt out of my information being shared.
Consumer complaint received 2022-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (AL)

I opened a Wells Fargo account recently ( XX/XX/30 ) and went to the local branch to deposit my money to pay this months bills with. I asked about a card since I have a new account if they offered temporary ones or anything and they didnt. So I deposited {$400.00} and then {$1700.00}. I sent my fianc {$700.00} through XXXX as that was the only way I could access my money without a debit card. Today ( XXXX ) I go to make my monthly bill payments and my account has been drained by a XXXX XXXX XXXX XXXX XXXX for {$400.00} and {$1000.00}. I contacted the bank about the issue and was simply transferred around to different employees who expressed how they did not understand how this was possible. I finally was able to file a dispute which is said to take up to 10 days, leaving me with late fees on my rent and broke until this is resolved. How can my bank be emptied without even notifying me and how can a card be used when there was not one issued?? This is an inside scam or something I need my money back something shady has went on and I am stuck in the middle of it. I do not have an account or affiliation with any of these charges other than the XXXX.
Consumer complaint received 2022-04-02
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. (TX)

in accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Client Services, Inc. (TX)

XXXXXXXX XXXX XXXX XXXX THE ACCOUNT LISTED ABOVE IS IN VIOLATION OF THE FCRA. I HAVE SETTLED IN FULL THE BALANCE ON XX/XX/2021. PLEASE SEE THE ATTACHED PAID IN FULL LETTER. I CALLED " CLIENT SERVICES '' WHICH IS A 3RD PARTY COLLECTOR FOR XXXX XXXX  AND THEY CAN NOT LOCATE MY ACCOUNT. I THEN CALLED XXXX XXXX  AND THEY ARE SAYING THE SAME THING. I HAVE PROVIDED A SCREENSHOT OF MY TRANSACTION HISTORY ON MY BANK APP AND A PAID IN FULL LETTER DIRECTLY FROM " CLIENT SERVICES '' AS PROOF. THIS ACCOUNT NEEDS TO BE DELETED FROM MY CREDIT FILE IMMDIATELY.
Consumer complaint received 2021-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (TX)

BBVA REFUSES TO ALLOW ME TRANSFER MY FUNDS FROM MY ACCOUNT. THERE IS A SERIOUS ISSUE WITH THIS BANK. FIRST OF ALL, THEY DO NOT ALLOW ME TO PERFORM AN ACH OR WIRE TRANSFER. THEN, THEY SEND YOU AN E-MAIL TELLING YOU THAT YOU HAVE TO CALL THE FRAUD DEPARTMENT. THE FRAUD DEPARTMENT NEVER ANSWERS THE PHONE!!! 

THEREFORE, MY FUNDS ARE LOCKED INSIDE THE BBVA BANK AND THEY SIMPLY REFUSE TO MAKE MY FUNDS AVAILABLE TO ME. THIS IS OUTRAGEOUS!!!
Consumer complaint received 2021-02-03
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-02-03
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. (OR)

I have worked really hard at turning my credit around and I finally got my credit to a fair instead of very poor and applied for a capital one credit card. Two weeks after using it transunion reported to credit karma and my score dropped 126 points, not to mention my bill wasn't due for 3 weeks or better. When calling capital one they say its transunion problem and to call them. Iv called 3 times now and they won't give me an answer. I was lied to by the second guy and was told I dont have a capital one card and it was a collection from XXXX & XXXX. Later in the conversation he said I had a balance for capital one? I said I paid it in full 3 weeks before due and I have no collection whatsoever and which is it? I dont have a capital one or I have a balance and he simply ignored me. Still dont have an answer why XXXX point drop for using the card. I shouldn't be punished for using my first card and wonder how many people they are doing this to? Very sad, very angry. My life dreams are on hold because of this.
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Below is the dispute I sent to XXXX XXXX, Transunion, XXXX  and XXXX  ( exhibits do not show ) but the info is there. I disputed the date of last activity and the way the account was reported. The date of last activity is not being reported as the same date on all credit reports. Nobody did an investigation. I checking my credit reports every day and account was never noted as disputed. This is a legitimate dispute. 





XXXX XXXX XXXX XXXX, CO XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXX : XXXX XXXX I am disputing the accuracy and completeness of XXXX XXXX. To demonstrate the account is not complete or accurate I have supplied : Exhibit 1 ( XXXX  reporting of this account ) Exhibit 2 ( Transunion and XXXX  reporting of this account ) Exhibit 3 ( XXXX XXXX manual reporting guidelines for paid charge off account ) Exhibit 4 ( XXXX XXXX manual compliance code guidelines for reinvestigations ) This dispute letter is structured to send to original creditor, Transunion, XXXX  and XXXX  because the contradictory reporting is evidence to all parties, demonstrating a new investigation is required by all parties. In addition to the investigation being required, I am requesting the investigation be reported accurately according to XXXX XXXX manual guidelines ( Exhibit 4 highlighted in pink ) beginning with using compliance code XB.

Exhibit 1 ( Equifax lender report ) Exhibit 2 ( Transunion and XXXX  Report ) Inaccuracies : 1.  XXXX ( Highlighted in yellow ) a. XXXX  reporting XXXX of XX/XX/XXXX. XXXX  reporting XXXX   of XX/XX/XXXX. It can not be both. I am requesting an investigation into the accuracy of XXXX. 
2. Account Status ( Highlighted in green ) a. XXXX  reporting Charged off Account. XXXX reporting Charged off account. Transunion reporting Purchased by another lender. Exhibit 3 is from the XXXX XXXX manual. It outlines how a paid charge off account status should be reported. Should be account paid in full, was charge off. 
Incomplete : 1. Payment ( circled ) a. Scheduled monthly payment amount is blank. Exhibit 3 demonstrates this is incomplete.

Exhibit 3 ( XXXX XXXX Manual reporting guidelines for paid charge-off accounts ) Exhibit 4 (  Compliance code conditions and reporting guidelines ) Thank you, XXXX XXXX XXXX
Consumer complaint received 2019-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (NE)

I opened Wells Fargo Business Platinum credit card on XX/XX/XXXX. The sign up bonus was {$500.00} after spending {$5000.00} within 90 days of an opening of credit card. I met the spend by XX/XX/XXXX. I waited for a month and contacted Wells Fargo twice in XX/XX/XXXX. I was told that the offer was not attached to my account and I asked for the copy of T & C that I signed up for this credit card. But they declined. They were not helpful and not willing to help solve my issues. 

My name : XXXX XXXX
Consumer complaint received 2021-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

I received information from you attempting to collect the above-listed alleged debt that you have listed on my XXXX credit reports. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. 
You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive related information.
Consumer complaint received 2019-08-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (MO)

I am co-signer ( mother ) of loans that was received over the course of my daughter going to school. First off, I don't even know what the name of this company is after reading numerous complaints against them. Is it Sallie Mae or is it XXXX? They have told me numerous times that they are Sallie Mae and do not know who XXXX is? 

We have been trying to talk to Sallie Mae/XXXX for years now and can not get anywhere. My daughters original loans were in the @ amount of {$10000.00}, but now that has doubled because of interest. That is astronomical amount for interest! How can they do this to these young adults trying to make it in this world. I made {$25.00} dollar payments for months and at one point I cancelled but they still was taking {$25.00} taken out of my account without my authorization. I wanted my daughter ( borrower ) to start taking responsibility and make payments herself on this loan. They would not work with her on making an affordable payments, kept calling me first or her grandmother ( who lives in assisted living, battling XXXX, and is a widow ). Months of harrassment is an understatement, and when you try and talk to them, you are told something different everytime you talk to somebody. You are on the phone for hours for nothing. 
One week ago, I thought we finally had come to an agreement for an affordable payment for my daughter to make ( after years of getting no where, but interest still being added ). My daughter was to call back, to set the program up to make regular payments every month. When she called, she was asked how she could make payment every month ( which was worked out from the call a week ago ). She told them that she would re-budget. The person from Sallie Mae told her, that was not going to help making the payment and that they need concrete details and if they do not get them, the program wouldn't be approved. What????? She was approved for this one week ago, now its changed?????? My daughter has a new baby, working full time, trying to make it in this world. How do you call yourself a trusted student loan company???!!???? You are not helping students, you are just stealing money from these young adults and their parents. Trusted loan company is a joke of a statement. More like Fraudulent loan company!! This company should not be in business! Something needs to done with their manipulative and fraudulent actions!!! 

Frustrated, Concerned parent
Consumer complaint received 2017-12-19
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. (NC)

I have fraudulent inquiries on my report which I did not authorize. I have tried writing to Transunion in the past and most recently today regarding the inquiries however they will not remove them. I believe this to be in violation of the FCRA. 
All inquiries from which I do not have accounts for the last 16 months are fraudulent.
Consumer complaint received 2023-04-04
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. (GA)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$3100.00} ; XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$610.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX ( Original Creditor:08 XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$490.00} ; XXXX XXXX XXXX Balance : {$93.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-13
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. (NV)

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
Consumer complaint received 2022-04-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Securus J Holdings, LLC (NJ)

This complaint is regarding Jpay LLC. The site allows you to send money to inmates at any facility and also to have video visits which are {$9.00} each. I scheduled 5 video visits totaling {$50.00} and will not be able to have them because my inmate has been moved to a facility that does not yet offer these services. I contacted Jpay to see if i could have my funds used to purchase stamps through them instead and was told that the money could only be used for video visits. No where in the disclosure does it state that in the event an inmate is relocated you can not use your monies toward something else if available. Jpay wants to keep my money instead of allowing me to apply it toward another one of their services. I am not asking to have the monies refunded, i am simply asking that the monies be used to purchase stamps. And also the representative i dealt with was extremely rude. I requested to speak with a supervisor and not only did she refuse to honor that request, she also hung up on me. Their number is XXXX
Consumer complaint received 2019-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MoneyLion Inc. (VT)

On XX/XX/XXXX I used the MoneyLion app to transfer {$270.00} from my MoneyLion Investment account to my MoneyLion Checking account. At all other banks that I use, this transfer would be instant. However after waiting 8 business days, I called MoneyLion on XX/XX/XXXX and they said it was a " known issue '' and that it would be soon rectified. 

Today is XX/XX/2012 business days since the transfer was initiated, and the {$270.00} is still not in my checking account or my investment account.
Consumer complaint received 2022-04-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (SC)

I am a victim of identity theft. An identity thief used my personal information without my permission to make the following charges : In accordance with the Fair Debt Collection PracticesAct, I am asking you to immediately stop all collection activities about this debt, including reports to credit reporting agencies. I also ask that you tell the business where the account was opened that this debt is the result of identity theft. I have attached documents from the Federal Trade Commission- NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA and the identity theft letter.