davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-08
Product: Prepaid card — ID prepaid card
Issue: Fraud or scam — 
Company: PLS GROUP, INC (TX)

On XXXX XXXX, 2015 I placed money on my prepaid debt card to make a final payment to a pawn shop. This final payment was made to receive my merchandise on the same day. It was so unfortunate the company was given my card to make the final payment of {$190.00} and then I was told that I did not have the money on my card to make the payment. THIS WAS a lie! I had all documents to prove the amount I actually had on my account. The company argued with me that they never got paid my funds. Although I was able to show proof with my documents from my accounts. To this day XXXX XXXX, 2015 this situation has not been resolved. The PLS company district manager has been notified, and is aware of this situation as well as the XXXX Bank that processes prepaid transactions. 

The corporate office of the XXXX XXXX XXXX XXXX has been notified in their accounting department. The company has been in touch with me and they are stating to me their bank Never Received my payment. XXXX way conversations have been made with the district manager of PLS in the XXXX area, and the XXXX XXXX XXXX XXXX in XXXX XXXX is trying to get the money put back on my prepaid card, so I can receive my merchandise that belongs to me. 

The district manager at XXXX promised on XXXX XXXX, 2015 at XXXX pm it would take XXXX hours for their team to do the investigation. I have not heard from this woman nor her investigation team. I have gotten the run around from XXXX parties. I have tried reporting to the police department, only to be told that this is a civil matter. Please notify me on what I should do next in this bizarre situation. I want what is due me XXXX.
Consumer complaint received 2024-01-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I got ta say, your letter really ticked me off! How in the world can you just shut down my request for help with my credit report like it's no big deal? Your reasons don't make any sense, and it feels like you're just tossing my concerns out the window. I'm not trying to mess around here I genuinely believe I'm a victim of identity theft. I sent you all the proof, and you're telling me I made an error or lied? Seriously? I need you to take a second look and get it right this time. I'm not giving up, and I expect you to step up and fix this mess you're making of my credit report.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX  has a collections acccount open in TransUnion and XXXX but not XXXX. This is not a accurate reporting since there are inconsistencies in the reporting. This is effecting my financial reputation and causing me alot of distress. I request documentary evidence and a investigation to disclose any proof of my obligation and commitment to pay this alleged debt. Also I demand this account to be removed from all three bureaus if any documentary evidence can not be found.
Consumer complaint received 2015-08-28
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (CA)

I have XXXX chase bank credit accounts on my credit reports and I have disputed them with Chase They respond back with that they are my accounts but I have asked repeatedly for proof as in copied of the signed applications and proof of payments They have never provided them to me I have asked managers to look into it and they ca n't see them
Consumer complaint received 2016-09-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

There is a judgment on my credit report with docket XXXX for a paid collection with XXXX XXXX XXXX in the amount of {$2500.00}. It shows that this judgment was filed on XXXX and paid on XXXX. I have written to the court, disputed with the credit bureaus and even sent letters to XXXX XXXX XXXX head quarters to get this judgment verified and validated per the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I have not received one document that shows this account belongs to me bearing my name, address, birth date, social security number, or anything with my signature on it. I have n't even been provided with a contract from XXXX XXXX XXXX that proves I owed this money. Therefore, I have reason to believe an investigation was never completed
Consumer complaint received 2024-05-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CO)

On XXXX  my sister and I visited the Wells Fargo in XXXX XXXX and tried to XXXX XXXX of their checks, and was denied for no valid reason. XXXX ( assistant manager ) used the little leverage she had by denying our transaction, just to inconvenience us. 

We presented multiple forms of valid ID, the bank teller called my tenant ( their client ) to confirm they wrote the check, they verified the funds were in the account, and they still wouldn't cash the check. I have never experienced this. It was embarrassing, humiliating and made me angry. 

I'm sure they will say I was rude to the staff, which I was after they denied to cash the check. Apparently asking them what the actual check cashing policy is was too much for them to handle. They couldn't answer what their own policy was, gave me a new client packet and claimed it was in there, which it wasn't, and they couldn't point it out. 

They really made me feel like I was doing something wrong. I just wanted to cash their check at their bank. I shouldn't be forced to open a new account. It is their own bank check. Their own website claims they will cash their checks. 

Maybe they were out of cash? 

The manager ( XXXX ) at this branch is one of the most XXXX XXXX, incompetent and stuck-up people I have ever met.

She clearly didn't like us and decided that we shouldn't be allowed to access our cash, just to inconvenience us. 

This branch has a XXXX rating on XXXX. Something is rotten here.
Consumer complaint received 2024-05-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

Starting, XX/XX/year> XXXX. and XX/XX/year> at XXXX. and XX/XX/year> XXXX. XX/XX/year> XXXX. till XXXX. speaking with, XXXX and XXXX trying to find out why, I'm being charged so much for my car insurance, I still have been giving and answer. 
I spoke with, XXXX for the president office on XX/XX/year> who call me back the XXXX stating that she haven't investigated why of yet and will call me back. I contacted this person back in XX/XX/year> and its been over a month and not a word. 
My payment is due the XXXX and as of yet, I find myself still waiting. 
I will not continue to payout my money and not know what I'm paying for or why?? 
USAA has not tried to help me resolve this matter and without any avail it looks like their 're going to.
Consumer complaint received 2021-03-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (CA)

I have repeatedly disputed two accounts for the past few months and no action has been taken on their end to resolve or dissolve this issue. It has caused so much stress and worry in my life due to the negative impact it has had which disqualifies me for many things. As as single mother to XXXX boys ( who recently lost their father ) I am running low on time to continuously battle this fight. 

The two accounts I have bee disputing is with XXXX XXXX as well as XXXX XXXX, both with the same lender. 

The amount reflected on my credit for XXXX XXXX as a charge off is : {$1800.00}. 

Amount reflected on my credit for XXXX XXXX is : {$3300.00} I have disputed these accounts countless times and although the companies/lender can not provide proof of my responsibility they remain on my credit file. 

Kindly assist me with this matter Sincerely, XXXX XXXX
Consumer complaint received 2024-05-13
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. (IL)

Originally I had a balance with XXXX the account was opened on XXXX of XXXX. By XXXX of XXXX the card was maxed out and I didn't pay on it. The balance was XXXX dollars that was unpaid. They made no attempts to contact me for years. Then all of a sudden this collection agency LVMVNFUNDG started sending me correspondence in XXXX of XXXX about this ancient balance. 

I told them it was out of date and disputed the balance with XXXX. XXXX denied my request for what reason I don't know. Eventually they sent it to a lawyer and I put it on a payment plan. I paid it off today. 

Now I can't get a lease because LVMVNFUNDG is showing that I missed payments on their 'account ' in XXXX and XXXX. The account wasn't even from XXXX. The account was delinquent in XXXX of XXXX. 

These late payments should not appear on my credit for XXXX and XXXX for an ancient debt. These collection agencies can just do whatever they want.
Consumer complaint received 2019-05-21
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. (NC)

On XX/XX/2019 I submitted a dispute to Equifax regarding unauthorized inquires on my credit report. I also provide them a copy of the Identity theft reporting advising that I have been a victim of identity theft. I submitted all required and necessary information for this to be corrected on my credit report. I am very dissatisfied that I am the victim and I am not able to get inquiries that I have not authorized removed from my credit report
Consumer complaint received 2015-10-29
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO. (GA)

This letter is to remedy a problem I am having associated with an old marital property. the I was divorced in XX/XX/XXXX from my ex-husband. In our divorce decree, my ex-husband was awarded the property and I signed a quitclaim over for this property, filed bankruptcy in XXXX XX/XX/XXXX with it being discharged in XXXX XX/XX/XXXX. In XX/XX/XXXX I purchased a new home and attempted to refinance the home in XX/XX/XXXX only to be advised that a negative " hit '' was placed in the XXXX system stating I had foreclosed on a loan which is untrue. My ex-husband continued paying on the loan and from according to records I have been able to ascertain, he allowed the home to go into foreclosure and signed a deed in lieu of foreclosure. I do n't understand why I 'm being affected with him. If I had known that I would still be held liable for this I would have preferred to have attempted a short sale. I never signed a deed in lieu so how would it be valid. Was my signature forged? If you say that it was n't my property and my signature was not needed then how can you report me to the XXXX system as being held liable for property that was not mine. It seems as though it can not be both ways. I have had no affiliations with this property since the divorce and this is hindering me and I 'm looking for Chase to assist me. I have attached copies of the quitclaim and divorce decree which took place prior to the foreclosure.
Consumer complaint received 2022-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (GA)

Was texted the following message from ( XXXX ) XXXX : NAVY FEDERAL CREDIT UNION : Did you attempt {$200.00} on debit card at XXXX # XXXX XXXX XXXX XXXX? Reply YES/NO/HELP. Dont want fraud txts? Reply REMOVE. 

I replied yes and was called from ( XXXX ) XXXX ( XXXX XXXX collect number ). 

The caller knew my account number and my previous address ( I gave the state of my current address and he said it was listed as a secondary address ), but requested I give additional information to verify my identity. I provided my personal info ( including my SSN ), but knew something was awry when i was notified my account password was changed and they guy I was talking started talking about wiring money. At that point, I hung up.
Consumer complaint received 2015-10-09
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (CA)

J.P.Morgan Chase bank, in XXXX XXXX, California, has repeatedly denied me access to my funds deposited in my XXXX XXXX XXXX from Social Security SSI. I have not been able to pay my rent, etc. I am XXXX, elderly and XXXX, having recently left the hospital. I no longer drive, so a trip to the bank is a big deal for me. To be in line, then being served, asking for a cash advance, and having " denied '' announced in front of everyone is extremely embarrassing. This has happened repeatedly. The teller told me, the last time, that the problem will not be fixed until XX/XX/XXXX, she did n't know a date. I do n't know which bank to go to, where I can make a smooth, uncomplicated transaction. I had over {$1500.00} on my card, not being able to get funds last month either. The second problem is that XXXX XXXX XXXX XXXX no longer allows a card holder to speak to a representative, to tell them about a problem..
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have disputed this XXXX account several times with the three major credit bureaus and each time they change/update something random on my payment history. This has happened several times and the account has been closed for years meaning the payment history has not changed, but they " update '' it in order to look like they have investigated my dispute, when I'm fact they have not. Each time I dispute it, they change the payment history to make it appear as if they are reinvestigating when I am sure they are not. They have ignored my mail in disputes. When I mailed in disputes, they failed to respond, and it has been over 365 days. When I do an online dispute, they pretend to update. All of my efforts have been ignored or not appropriately investigated. The bureaus have ignored their burden of proof and left this account on my credit report for long enough. I need this account deleted.
Consumer complaint received 2020-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FMS Inc. (OR)

In two written statements to FMS INC I've made it clear that the two accounts in collections that they hold on my credit report are not mine and are a result of Identity theft. Dates of both letters are XX/XX/XXXX and XX/XX/XXXX while expressing to cease contact. 
I received three calls today, XX/XX/XXXX and three calls a day for the last two months attempting to collect this debt. I've blocked each number. A new number calls each time and the voicemail state FMS INC in an automated attempt to collect. 
Today, XX/XX/XXXX a XXXX account was made with my name, pictures of my family and a profile picture that was not me. Also, a XXXX number was used. This account showed up on mother 's account impersonating me and or trying to gather information on me. 
Either way this is disturbing behavior and a part of a long series of behavior to either use my identity or collect on debts that are a result of identity theft.
Consumer complaint received 2015-04-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (NC)

My parents house was forclosed on. By me being a XXXX my fathers credit has always been mixed with mine. My father has been XXXX for almost 15 years. I need this off and inquires also. I need this off I want to buy a house some older things need to come off also.
Consumer complaint received 2022-01-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lewis, McDonnell & Associates (TX)

I have requested for validation of an alleged account that continues to report on my XXXX credit file. I am in possession of statements mailed to me on XX/XX/2021 in response to my earlier demand notice from Lewis McDonnell & Associates. It's clear to me that this is UNRESPONSIVE to my demand and the alleged debt is UNVALIDATED. I asked them to please CEASE and DESIST all reporting and collection effort immediately. They have not. 
It seems that they purchased something that stated one thing and they are asking for {$2400.00} more than what was purportedly charged-off per their letters. I have attached the items that I've asked them to provide me that would say that they are authorize to ask me for any money. They refuse to. They are violating 15 USC 1681a ( 2 ) ( a ) ( i ) 1692g, 15 USC 1692g, 15 U.S.C. Sec. 45 ( a ), 15 USC 1692e ( 10 ), 15 U.S.C. 1692j and more. 
This fraudulent account was removed from XXXX and XXXX. 

Lewis McDonnell & Associates and XXXX have ignored my request for proof of validity of an alleged account. It is negatively affecting my credit file. I provided them with some laws they are not adhering to and is violating my consumer rights. 
If there is anything you could assist me with regarding this matter, I would greatly appreciate it. 
Im looking forward to hearing form you. Thanks in advance.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX : Has incorrect information on my Credit Report that needs corrected ASAP. They have my balance {$67000.00} as of today XX/XX/2022, Payments {$520.00}, Total Accounts 22, Inquiries 15, Credit Utilization 100 % with a credit score of XXXX. 

XXXX : Has my balance at {$14000.00} as of today XX/XX/2022, Payments {$480.00}, Total Accounts 6, Inquiries 5, Credit Utilization 68 % with a credit score of XXXX EXPERIAN : Has my balance at {$14000.00} as of today XX/XX/2022, Payments ( DOES NOT SHOW ), Total Accounts 6, Inquiries 4, Credit Utilization 77 % with a credit score of XXXX. 

As a XXXX XXXX Veteran, I am highly disappointed at this mess. Is this what we as consumers have to deal with? This is a very serious matter here about how dysfunction these credit Bureaus are. I served in XXXX XXXX XXXX  and could have never been this dis-organized, or my men would have perished. I put my trust in these bureaus to update speedily in a timely matter and I get junk .... THIS IS UNSAT!!!!!!!!!!!!
Consumer complaint received 2024-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/XXXX, I made XXXX transactions. For {$5.00} and {$6.00} then on XX/XX/XXXX a final transaction for {$2.00}, totaling {$14.00}. 

These were goods that were supposed to be delivered to me. Specifically XXXX in a wholesale pallet, and I had come to find out through a sample delivery that they were fake. I filed a police report right away and talked to my bank and they stated to wait. I waited and I end up filling a claim last week of XXXX. It was denied and I filed another claim in XXXX after filing a XXXX case and that was denied aswell. After that I had requested information on why it was denied and what information was used to determine that. Ive had to ask multiple times and never got that information. 

I was a student at the time and still am which prevented me from digging into the matter more as my time was already taken. I had recently filed a claim ( XX/XX/XXXX ) and a day later and claim is denied. 

The bank is refusing to reverse a fraudulent transaction after multiple attempts. 

The police is still investigating as the city of XXXX doesnt have a personal property detective to investigate, but we do have a name of the individual who scammed me out of my money. There is XXXX people involved who made accounts at credit unions at XXXX locations across the country while residing in XXXX, XXXX.
Consumer complaint received 2020-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

Citizens One website would not load and accept my payment until after XXXX. It is the XXXX of the month and their website is post dating my payment I made to the XXXX so they can charge me a late fee. Citizens One has a history of charging unnecessary and improper late fees. In addition, at no time has anyone from Citizens One customer service, corporate office, or executive team made contact with me regarding any of my previous complaints and to date I have never spoke with anyone from Citizens One.
Consumer complaint received 2016-03-10
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (FL)

I have had an XXXX MasterCard issued by Citibank since XXXX, XXXX. The card credits my XXXX XXXX mileage account with XXXX mile per dollar charged on the XXXX. Other than the charge for the credit card fee of {$95.00}, there was no other activity in the account for the year ended XXXX/XXXX/XXXX. That precipitated the removal of all the accumulated mileage on the XXXX XXXX account ( approximately XXXX miles ). 
The fact that I did renew the card last XXXX with a payment when it was due in XXXX should have been considered a valid charge to the account. On questioning the bank 's credit card department they told me it was not. I do not agree. It was activity in the account, period.
Consumer complaint received 2024-05-06
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TOYOTA MOTOR CREDIT CORPORATION (TN)

On Monday XX/XX/2024 I returned the call from when an employee contacted me from the alleged Toyota Financial Services. The call was an attempt for Toyota employees to collect an alleged debt which has not been validated through notices sent to Toyota Financial Services chief executive and financial officers. The employee who verified her name and employee number was asked to translate language type font on the contract. She has now sent notice to the alleged XXXX Toyota informing employees to send out the new contract where the language will be translated from a XXXX  to XXXX. She didnt specify to I should expect to receive the mail therefore Ill keep a look out on it. Payments were made to employees at Toyota Financial Services under coercion and duress.