davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (KY)

Midland Funding filed a lawsuit against me a year ago attempting to collect on a debt I do not recognize. The only evidence they have provided is a single affidavit from an employee of Midland XXXX. I believe it to be a robo-signed affidavit.
Consumer complaint received 2022-03-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: U.S. BANCORP (AZ)

US Bank Stole {$6200.00} from my business account. 

On XX/XX/2022 US Bank deducted {$6200.00} from my business account without any prior notice by phone, email, or letter. I called US Bank customer service on XX/XX/2022 and was advised that the {$6200.00} was a reversal of a previous credit issued on my debit card. After several more phone calls I was advised to submit documentation regarding the claim filed which I did through the local branch on XX/XX/2022. 

On XX/XX/2022 I was advised by customer service representative XXXX that the case had been resolved and that the {$6200.00} would be back in my account within 24-48 hours. 

On XX/XX/XXXX, I called once again and was advised that the information I had been given by XXXX on XX/XX/2022 was not accurate and that my case had still not been looked at but it had been escalated to a supervisor named XXXX. I asked for XXXX information and phone number and was told that nobody has access to the dispute personnel not even branch managers and that I would be contacted within 24-48 hours if more information was neccessary. 

On XX/XX/2022 I received a phone call from dispute supervisor " XXXX ''. XXXX said because the documents were not sent in within US Bank guidelines the {$6200.00} would not be returned back into my account. I asked if the money was being returned to the merchant and XXXX advised that it was not and that US Bank would be keeping the money. XXXX was very beligerant and her attitude was very non-chalant. XXXX said there was nothing more she would do and if wasn't happy I should send a letter to XXXX XXXX the bank President in North Dakota. 

I asked XXXX to confirm the address that the document request was sent to and if the call was being recorded. She said in fact the call was being recorded and on the recorded line she read me back the address that DID NOT include my suite number which is why I never received the document request. I asked her also why it was ok for her to call me and tell me US Bank was keeping {$6200.00} but they could not give me a courtesy call to let me know that they needed additional documentation to support my case for {$6200.00}. In a very beligerant manner XXXX replied that supervisors never called out for information and it would be impossible to call given she had over 100 cases per day to look at. XXXX also went on to say that the document letters are auto-generated and the revocation is automatic if the deadline expires without receipt. 

This appears to be an effective strategy for US Bank to steal thousands of dollars from their account holders and a criminal investigation should be done by the FBI for wire fraud and bank fraud. 

I will be sending letters to the Attorney General in Arizona, North Dakota, and MN to advise them of my situation as well I will be copying my local Rep Congressman XXXX and XXXX XXXX.
Consumer complaint received 2022-03-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I recently sent a letter to the credit reporting agencies regarding inaccurate things on my credit report. I asked for the debt to be validated to show this is my debt. I did not deny this debt Im just not aware of it. The creditor updated the credit reported stating the debt is valid but failed to send me any information on how it was validated. I know I have the right to know that. Im not paying a debt thats mine until Im shown proof its mine. I think this needs to be investigated or they need to remove it from my report because it has caused me to be denied for the purchase of a home. I think that this is just wrong, and I will not let the creditors ruin my reputation with lenders because of the inaccurate and misleading information they are spreading by selling my information to lenders. I feel like Im being taken advantage of and being ignored of my disputes. The law plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand these accounts to be deleted immediately or I will file for litigation due to the stress they have caused me. I have sent the letters to the actually creditor and they have failed to respond.
Consumer complaint received 2022-02-01
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: EQUIFAX, INC. (FL)

Please be advised, Im been a victim of identity theft. The following accounts are all fraudulent. Please see attached Ftc report & my identification. 

XXXX. XXXX XXXX {$4000.00} XXXX. XXXX XXXX  {$7700.00} XXXX. XXXX XXXX {$790.00} XXXX. XXXX XXXX {$140.00} XXXX XXXX XXXX {$510.00} Please see attached clear FTC Report, submitted by myself with no help.
Consumer complaint received 2020-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NY)

I received mail from credit collectors and I wanted to check my credit report. I tried each of the three companies XXXX, XXXX & Experian, and none of them will give me the account numbers of the accounts on my report. Next I wanted to download a copy which only XXXX would allow me to do. Finally when I tried to file a dispute My accounts were suspended. I paid for XXXX and they still would not hel me & there is no way to cancel my account online.
Consumer complaint received 2018-05-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CREDIT ACCEPTANCE CORPORATION (NC)

XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX NC XXXX. Worked a deal and signed the paperwork for a used car loan. 
Credit Acceptance financed XXXX $ The down payment was unable to be met because of circumstances out of my control. 
I contacted XXXX after canceling the check for XXXX $ saying I need to bring the vehicle In and that there was a hang up with the money wire me and my co-signer were expecting to arrive that day from a staffing company based on the west-coast. 
XXXX continued to string me along and push the days out more and more to give me time to bring, XXXX $ to keep the vehicle in my possession. 
On XX/XX/XXXX I successfully was able to get to the dealership in the hours that the owner was still present and he lied multiple times about the financing and my only option moving forward. I Willing gave the dealership all keys and property to the XXXX XXXX XXXX. My personal belongings and tools were in the back replacing the third-row seating. the owners father agreed that i am not to get any of my tools back until the third row seating was brought back. I agreed and assured them i would be back momentarily after calling an XXXX to get to my bosses truck to retrieve the third row. the owners son was swearing and acting foolish, wile I held professionalism. When returning the third row seating the owner take them out the truck and locks them away, and tells me Im XXXX  and that Im not getting my belongings until he receives XXXX $ from me He threatens a Lawsuit. I proceed to step outside call my legal representation and am instructed to not leave. XXXX   XXXX XXXX badge # XXXX responds at XXXX on XX/XX/XXXX after being dispatched for a call received from XXXX the owner of XXXX.I awarded all my property and turn over all of XXXX 's. 
Currently Credit acceptance has not been able to get in-touch with XXXX, XXXX has relinquished the title and Credit Acceptance has a  lien on it. I am being held responsible for a car loan and Payment for a Vehicle that XXXX Illegally Has for sale on there website showing inaccurate Mileage. Credit Acceptance is holding me responsible for the payment. XXXX XXXX XXXX is conducting illegal business in many ways, not holding up to do-diligence, and the Active car loan on my Report has cost me thousands and dropped mine and my co-signers Credit score. 
They are in the process of actively attempting to commit fraud by keeping the Financed XXXX $ and resell the vehicle with out proper 10 day notification of sale of the vehicle i currently am responsible for and have legal ownership of, all at my expense. 
As of XX/XX/XXXX I still do not have possession of the vehicle and have lost almost 30 days of work and income because of not having a means of transportation.
Consumer complaint received 2016-11-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (TX)

I filed a complaint under number XXXX. I still do n't have all my escrow refund. It 's been three months. I am tired of calling the company, I am tired of the excuses, I am tired of the lies they send back as explanations, I just want my money!
Consumer complaint received 2020-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

CONTINUING TO FURNISH INVALID, INACCURATE AND/OR OUTDATED INFORMATION ON MY CREDIT REPORTS. PROVIDING FALSE AND MISLEADING REPRESENTATION UNDER FDCPA AND FCRA GUIDELINES.
Consumer complaint received 2022-03-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

To whom it may concern, On XX/XX/2022 I noticed an unauthorized transaction in my Wells Fargo savings account # ... for {$11000.00}. I contacted the fraud department at Wells Fargo and reported this unauthorized transaction and was told to open a new account with new passwords and login credentials and close any existing accounts, which I immediately did. The fraud department representative helped me submit a claim in order to stop the still pending transaction from being completed. They gave me verbal assurance that the transaction would not go through since it was reported immediately. On XX/XX/2022 I logged into my account to find that the funds had been successfully withdrawn from my account, which prompted me to immediately contact the Wells Fargo fraud department once more. The representative wasn't helpful and told me to wait on the decision of the claim I submitted. After not hearing back on the end of the XXXX business day, I contacted them again on XX/XX/2022 to discover that a decision had yet to be made. I was told they needed additional time to come to a decision and to wait for a phone call. After failing to receive yet another phone call about my claim, I contacted Wells Fargo on XX/XX/2022 and was told that my claim was denied because they claim I authorized it, which is completely false. I have been very patient and professional with the fraud department at Wells Fargo and am fully confident that they came to the wrong decision. I made no such attempt to withdraw this money and am looking to have this decision corrected by reaching out to the Consumer Financial Protection Bureau. If there are any questions about this fraud incident, please feel free to contact me at any time. I am hopeful that the money will be rightfully returned to me after a further investigation into this incident. Thank you.
Consumer complaint received 2022-03-20
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. (IL)

I purchased an XXXX XXXX XXXX from XXXX that was supposed to have been delivered with signature only. I never received the merchandise nor did I or anyone in my household sign for package delivery The merchandise was stolen and I filed a dispute with my Chase Freedom credit card. XXXX rebilled the dispute and my credit card is not resolving the matter
Consumer complaint received 2022-08-04
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: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous month, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to delete your errors and remove my records. Please take off the accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to delete the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-04
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous month, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to delete your errors and remove my records. Please take off the accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to delete the accounts listed below : XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2018-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Caliber Home Loans, Inc. (NY)

I am writing now in wish to receive your help. Presently I am working on reviewing my credit, paying down my balances, and pursuing greater credit worthiness. You play a very important role in this process. I am inquiring about the account number referenced in this complaint. 
I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX and XXXX  ) on XX/XX/2018 and I am submitting this in order to get this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.
Consumer complaint received 2023-03-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: VW Credit, Inc (CA)

Hello, I have refinanced my loan with VW credit inc and the account was closed from XX/XX/XXXX. There was an over payment on the account of over {$2000.00} due to cancellation of service protections. I have called VW once or twice a week to get the status of my refund and every time it is a different story. I need my money back
Consumer complaint received 2022-03-19
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: CITIBANK, N.A. (TX)

I subscribed to a service XXXX XXXX from XXXX. I cancelled service in 2020. I received and still have an email from XXXX saying my service was cancelled XX/XX/ 2020. I find out they have been charging me since. Even after I cancelled and received a new card number. I call citi/best buy and they have me call XXXX. I do, no help. I enter the dispute process with best buy/ citi. 2 days later I get an email saying nothing they can do. I call customer service this morning and was hung up on 3 times before I was able to reach a manager, who told me she could give me a fax number. Who has a fax machine? I asked for email address or address to mail and was told their regulations don't allow that. This is a theft of at least XXXX at this point, from a company that makes billions.
Consumer complaint received 2022-08-04
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: Experian Information Solutions Inc. (NY)

This is my fourth try to inform you that I am a victim of identity theft and I complain to question particular items in my document discovered because of some inattention. The record I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authority. Assuming no one cares either way, impede the noteworthy of any information in my credit file that appeared due to alleged fraud : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$10000.00} ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2016-07-28
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: LoanCare, LLC (VA)

in XX/XX/XXXX I paid off an old charged off debt made by XXXX and serviced by loancare service center, account XXXX, it continues to show up as an open account with {$31000.00} unpaid, I have not received a statement for over five years.
Consumer complaint received 2022-03-19
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 — Problem with personal statement of dispute
Company: Nelnet, Inc. (OR)

The cares act has been in continuous effect since XX/XX/XXXX. 

Nelnet ... servicer of my govt studend loans has twice ( x5 loans =10 neg reports ) reported negative pay status of 120 days. 

Federal student loan payments are scheduled to restart beginning in 60 days.. President Joe Biden extended temporary student loan relief through XX/XX/XXXX, which was his third extension. this makes a total of five ... more imoptantly... 

why do i have the the servicer of federal loans reporting negative status during this timeframe? 
i have disputed this twice now... i still have negative reports. 

the cares act has been in continuous effect since XX/XX/XXXX and currently runs through XX/XX/XXXX ... No negative status reporting during student loan relief... Nelnet is wrong to do so...... TWICE... why is this so hard to understand? Why are they ruining my credit? 

XXXXXXXX XXXXXXXX XXXX XXXX ( service connected ). last gainful employment XX/XX/XXXX. 
Unemployability- fully developed claim SUBMITTED XXXX and wrongfully denied XXXX, XXXX claim error presented to Veterans law judge- currently under review
Consumer complaint received 2022-03-19
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. (MI)

N according With the fair credit reporting act XXXX account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1684 section 604 a section 2 : it also states consumer reporting agency can not furniture an account without my written instructions
Consumer complaint received 2020-04-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (NY)

I purchased 2 round trip plane tickets for my aunty and autistic cousin for a family trip we were taking to Florida. Due to the COVID -19 pandemic, the trip was canceled. Although I received a full refund for the portion of the trip ( which was most of it ) that I had paid for in miles, XXXX XXXX refuses to refund the portion paid with my Paypal debit card, even though some of the flights on the tickets were canceled. 

I submitted a dispute through my card issuer, Paypal, but their options for dispute and follow up are very limited, and didn't really cover the reasons for my disputes. On XX/XX/2020 I received email communication stating that the disputes had been denied. I have been trying to reach out to Paypal since then to have them re-reviewed but it has been impossible to get a response from them. Below is information regarding the original transactions, and the claim number Paypal assigned to them : Merchant : XXXX XXXX USD XX/XX/2020 at XXXX XXXX ESTTransaction ID : XXXX Payment Status : COMPLETED Payment Type : In Store Purchase Gross amount - {$170.00} USD Dispute ID : XXXX Merchant : XXXX XXXX USD XX/XX/2020 at XXXX XXXX ESTTransaction ID : XXXX Payment Status : COMPLETED Payment Type : In Store Purchase Gross amount : {$170.00} USD Dispute ID : XXXX Merchant : XXXX XXXX USD XX/XX/2020 at XXXX XXXX ESTTransaction ID : XXXX Payment Status : COMPLETED Payment Type : In Store Purchase Gross amount : {$150.00} USD Dispute ID : XXXX Merchant : XXXX XXXX USD XX/XX/2020 at XXXX XXXX  ESTTransaction ID : XXXX Payment Status : COMPLETED Payment Type : In Store Purchase Gross amount : {$150.00} USD Dispute ID : XXXX I believe that I am entitled to a full refund since XXXX XXXX 1 ) canceled one of the flights on the tickets and ; 2 ) Refunded my other portion of the flight. I have been trying to talk to someone at Paypal but all I get is agents who direct me to reply to unmonitored emails.
Consumer complaint received 2015-06-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: E. A. Uffman & Associates, Inc (LA)

THIS DEBT WAS PAID AND IS STILL SHOWING UP AS A NEGATIVE MARK ON MY CREDIT REPORT I WILL BE REPORTING AS A FAIR DEBT ISSUE TO THE TRADE COMMISSION.