davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-30
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-05-16
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. (TX)

FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$220.00} Status Account charged off. {$220.00} written off. {$220.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. {$16.00} FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$220.00} Status Account charged off. {$220.00} written off. {$220.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. {$16.00}
Consumer complaint received 2022-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX  - showing a balance of {$370.00} - The balance being reported is incorrect and not showing full payment of account. No balance is owed on this account. Please remove this account and no longer ( cease ) to report this inaccurate account information again. 
- Vendor verified this accounts balance and per their records this report is not aligning with their accounting, verify the balance or remove immediately.
Consumer complaint received 2021-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (TN)

My estranged spouse unknowingly received a portion of the proceeds from selling our home during our divorce. Although the check was made out to both of us with an & only symbol. Wells Fargo allowed him to cash the check without my signature and have full access to all {$3500.00} of the funds. I have spent hours on the phone with the fraud department as well as been in touch with 2 local branches to help rectify the situation with a copy of the fraudulently endorsed check. While all agree that the check should have been refused, no one is willing to rectify the situation and I am told there is nothing that can be done.
Consumer complaint received 2021-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

On XX/XX/21, my son use my mobile phone to purchase three games off XXXX XXXX. One was for {$110.00} and the other two are for {$69.00}. Capital One refunded {$110.00} but the other two charges they wouldn't refund. As all three of these charges weren't authorized by me and my son accidentally purchased them I would like the two charges for XXXX back
Consumer complaint received 2022-05-16
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX5 USC 1681. 

XXXX. XXXXXXXX XXXX, Account # XXXX, has violated my rights. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX. XXXX  XXXX XXXX, Account # XXXX 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 2022-05-16
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: GOLDMAN SACHS BANK USA (NY)

On XX/XX/XXXX at XXXX PM at XXXX XXXX  located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX, I purchased shoes for {$140.00}. I was never given a receipt for my purchase. The shoe size was incorrect. Asking for a return from the manager was denied because " they have no proof of purchase ''. I asked how I was supposed to provide proof of purchase when they denied me the means to provide it ( no receipt ). Manager could not answer, my return was denied. 

I reached out to my Apple Card XX/XX/XXXX to open a dispute. I needed a copy of my receipt in order to transact the refund. Apple stated they will begin investigating right away. They requested documentation proving I reached out to XXXX XXXX to resolve the issue. I submitted phone logs showing multiple conversations with XXXX XXXX where they explain the will resolve my issue and contact me at a later date. I call 4 separate times, on XXXX, XXXX, XX/XX/XXXX and XXXX at XXXX XXXX corporate number ( XXXX ) XXXX. 

Apple Card gave me receipt after 90 days, and refused to elaborate further as to why it took the company over 90 days to produce a copy of the receipt. Apple  refuses to explain why they did not provide the receipt, nor do they give a reason explaining XXXX XXXX lying and explaining 4 separate times that someone would reach out. 

On XX/XX/XXXX, I spoke with an Apple Card specialist for an hour and explained that there is nothing I can do. I explain to him the multiple laws stating that is it illegal to refuse a receipt in purchases, but the Apple Card rep did not seem aware of laws. I've wasted hours of my life trying to explain to Apple how fraud works.
Consumer complaint received 2022-01-13
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: EQUIFAX, INC. (PA)

My name is XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I asked that the items including unauthorized inquiries be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions identity theft affidavit. Please delete the items as soon as possible. 

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.
Consumer complaint received 2018-10-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Conn's, Inc. (OK)

Conns furniture store will start calling me two days before my payment is due and then they text and email as well, today on Sunday XX/XX/18 they have called me 12 times from XXXX to almost XXXX and Im only 5 days late. This has been the way they treat me all the time, I asked them to not call my cell phone and they still do, they wont work with me after I lost my job and Im actually just now five days late. They call me five unlimited different numbers
Consumer complaint received 2021-02-06
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: EQUIFAX, INC. (MS)

To Whom It May Concern, This complaint is regarding my XXXX, Equifax, and XXXX  credit reports. I recently pulled my credit report an noticed some accounts on my credit report that l am unaware of. According to the FCRA Law, they should be removed. The name of the account is XXXX XXXX, XXXX XXXX. This account is an account that I'm totally unaware of.
Consumer complaint received 2019-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I attempted to check my eligibility and subsequently submit a claim based on the Equifax Data Breach Settlement. None of the websites that I tried, including two links on the Federal Trade Commission website, opened or even worked. All attempts resulted in error messages that the sites were not functional. I believe this to be a deliberate attempt to discourage and prevent people from collecting settlement payments that they are entitled to.
Consumer complaint received 2022-01-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF THE WEST (CA)

Bank of the West : On XX/XX/2022 I was charged XXXX overdraft fees for transactions that did not overdraft my account. 

On XX/XX/2022 I was charged 2 overdrafts that did not overdraft my account. 

On previse dates I was charged overdrafts and fees that did not overdraft my account. 

I tried to resolve this with them over the phone and in-person with the bank manager and I was told that there was nothing that they could do, but that it was " Just their System ''. The Bank Manager said she could see exactly what I was talking about as it was simple math, but could not do anything.
Consumer complaint received 2019-10-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TCF NATIONAL BANK (CA)

On XX/XX/2019 I sent a payoff amount of {$44000.00} online thru XXXX XXXX XXXX XXXX to Gateway One Lending and Finance. 

Today, XX/XX/2019 when I try to log into my account, it says that my account # is not valid and that my email address is not valid. 

Now I have no way to access my account information and I don't know if/when I will receive the title to my vehicle. 

Thank you for your help. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HYUNDAI CAPITAL AMERICA (VA)

On my credit report Kia finance reported a late payment in XX/XX/2019 as well as XX/XX/2019. Neither of those months I was late. I contacted the company in XX/XX/XXXX about setting up an auto pay. XX/XX/XXXX the auto payments began. I asked over the phone in XX/XX/XXXXif missing XX/XX/XXXX would be ok, or effect anything and she told me no. Ive contacted Kia and they reported the only way to resolve this matter is submitting a written request. I submitted but was told it usually takes up to 30 days processing time. I also contacted the company back in XX/XX/XXXX to ask why and was given money back, as well as hung up on by multiple representatives. With no answers as to why they are saying Im late. And no answer why they gave me money back. When I was told to pay XX/XX/XXXX bill I paid it as soon as I found out. I was never contacted about a missed payment even though I had been to a Kia building to get service done I still was never told. My contact info was not up to date even though most companies verify up to date info when you call them. I was never late in either XX/XX/XXXX or XX/XX/XXXX.  And this has negatively impacted my life through my credit score dropping dramatically.
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

In Accordance with the fair credit reporting act 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 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

This is my THIRD DISPUTE LETTER Recently I reviewed one of my credit reports and notice there were some inaccurate, outdated, and fraudulent information that will need to be removed. I am a victim of identity theft and several of the items on my credit report is not mine. I have also notice items that have been illegally re-aged. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. The Fair Debt Collection Act/ ( XXXX. XXXX ) and ( XXXX. XXXX ( B ) XXXX XXXX XXXX Statutes of XXXX. I am requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-05-16
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: JPMORGAN CHASE & CO. (GA)

I was going through my statements and noticed that I was double charged for {$200.00} on XXXX at the same time from some place in XXXX. I contacted Chase and said that I did not recognize why there would be double charges and that I was unable to contact the vendor. They sent me to their fraud department. After speaking to them Chase refunded me both {$200.00}. In XXXX I had to cancel my card due to a totally different issue. Then in XXXX, after my card was closed Chase contacted me and told me that they didn't believe the charges to be fraud and replaced the charges. They claimed that I called it fraud and I had to file it a dispute. I tried three different times to get transferred to someone to file a dispute of these charges, only to be kept on hold for over 30 minutes till I just hung up. I finally got through to someone, only for them to tell me that it is too late to file a dispute ; that the time limit has run out. I contacted Chase in a timely manner to bring this issue to them. They delayed it. Only after writing a letter to the XXXX XXXX XXXX  did someone from Chase contact me. However the still would do nothing. I asked them what could possibly be reason my card was charged twice, at the same place, and for the same amount within minutes of each ; also, if the chargers were true, where was a copy of the two signed receipts. They just gave me the run around and said that they would simply not help and I was responsible for the double charge. Chase never had any intention of helping. Their claims of consumer protection are obviously fake.
Consumer complaint received 2022-05-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (SC)

Jefferson Capital Systems XXXX {$130.00} XXXX XXXX XXXX XXXX  XXXX {$0.00} Balance {$300.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} Balance {$300.00} Credit Limit I've Called all 3. XXXX XXXX XXXX XXXX, Jefferson Capital Systems LLC and XXXX. They all are going after the same debt from the Original Creditor which is XXXX XXXX.So I choose a payment plan through Jefferson Capital and paid it off.See attachment below.
Consumer complaint received 2022-05-16
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: EQUIFAX, INC. (AR)

Account # XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX on my credit report is incorrect and I have no knowledge of these items at all. I Request that reporting Agency as well as company verify the accuracy of the information I disputed. Also I ask for a copy of an original agreement with my signature. Thanks
Consumer complaint received 2022-09-30
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX account # XXXX, account # XXXX, has violated my rights. 

1

5 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-24
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. (FL)

I sent multiple letters and I am not getting any response. They are not providing anything that shows their investigation. They are taking more than 30 days to response, or they fail to respond.
Consumer complaint received 2022-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (NM)

Early last year XXXX, I called Wells Fargo on two separate occasions asking for a credit limit increase as I was planning to make a couple of large purchases. Wells Fargo refused to increase my credit limit both times I requested it. 

In XX/XX/XXXX, Wells Fargo increased my credit limit from {$21000.00} to {$24000.00} without asking me, which was frustrating because the request had previously been denied when I needed it and had asked for it. Between XX/XX/XXXX and XX/XX/XXXX I was close to reaching my credit limit a few times. I remember trying to use my card a few times and if the purchase took me over my credit limit, the transactions were denied, which I was grateful for, because it kept me from spending over my limit. I assumed at this point that safeguards were in place on the credit card that would prevent me from going over my limit. 

In XX/XX/XXXX, I began holiday shopping and wanted to use my credit card for purchases. The transactions kept going through at the stores, so I continued making purchases and no transactions were ever denied. It wasn't until I had reached over $ XXXX in purchases over the course of the month that Wells Fargo finally started to decline purchases. I am now {$8200.00} over my credit limit, which means I am unable to use the card for other purchases, my minimum payment has significantly increased, and I'm paying even more in interest each month. I've been paying the minimum each month and it's making no difference in the overall balance, in fact it has increased between XXXX and now. Why did Wells Fargo allow this?? 

To date, Wells Fargo has failed to communicate clearly to me as their customer regarding credit limit safeguards and policies. Furthermore they have been deceptive and inconsistent regarding the allowance of purchases over the credit limit for their own profit and gain. I spoke with someone today ( XX/XX/XXXX ) in their credit card department and she said that as the customer you have to elect to have transactions declined when over the credit limit. This feature is nowhere to be found on their mobile website and this option was never presented to me. Also, if it is up to the customer to enact this option, then why were some of my previous transactions denied, but then some were allowed? It appears that Wells Fargo was making that choice for me and was doing so inconsistently. The process lacks in transparency and I believe they are acting in bad faith by allowing someone to spend $ XXXX over their limit, when previously transactions that were $ XXXX {$100.00} over were denied.
Consumer complaint received 2022-12-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Recovery Systems, Ltd (GA)

Nationwide Recovery Systems is reporting {$1000.00} in collections on a medical debt that is falsely representing the actual amount. During Covid, I was severely ill and was transported to a nearby emergency room via ambulance and then the health insurance company paid the obligatory amount to the ambulance service providers. However, the ambulance services company billed 3x the amount customarily paid for these services. I am a student and Nationwide Recovery Systems, as a collection agency, has negatively affected my credit score and never provided me with the validation or appropriate documentation substantiating the debt. Due to this false representation of my credit history, it is severely impacting my ability to obtain credit. I would like Nationwide Recovery Systems to delete all credit reporting delinquencies on my behalf.