davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (VA)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2024-04-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (NY)

The payment was originally sent as an ACH transfer through Wise. For some reason, this transfer wasn't sent completely as an ACH, it went from the intermediary bank to the beneficiary as a wire on the XXXX network. When I asked for the XXXX number so my receiver could claim the payment WISE refused to help get the XXXX for the transaction even after I had explained the situation. Due to Wise not helping me obtain the XXXX my receiver could not legally claim the payment. The receiving bank then sent the money back. I provided the reference to the transfer back and Wise refused to look into it since it was a XXXX transfer and I sent as an ACH ( again I wasn't the one who originally sent it as XXXX that was Wises Banking partner XXXX XXXX ). I have spoken to an advisor at XXXX XXXX who believes the money was received by Wise and put into their unclaimed funds. Wise has refused to help me search for these funds in their company accounts.
Consumer complaint received 2017-08-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Selip & Stylianou, LLP (NJ)

In a written letter to Selip and Stylianou LLP, I asked the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Proof that Selip and Stylianous, LLP. exhausted ALL methods to attempt to collect or settle the debt in question 7. Show me that you are licensed to collect in my state ; and 8. Your license numbers and Registered Agent However, I was given photo copies of alleged billing statements and that was it. This is a violation of my rights as my debt verification has NOT been addressed. Please see the letter I wrote and their lack of providing me with the adequate information asked below.
Consumer complaint received 2016-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (PA)

Equifax is carrying XXXX ( XXXX ) derogatory items and list them as open and unpaid. All my items have been paid quite sometime ago. These items, if they were mine, they need to be updated to show settled. Paid. Closed. etc.
Consumer complaint received 2024-02-08
Product: Credit reporting 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: EQUIFAX, INC. (NC)

I've asked Equifax to do an reinvestigation on the false information on my credit report fix it and send me a copy according to FCRA. they said they did a investigation, indicating they never investigated pryor to my asking which is a Consumer law violation. I have not received a copy until today.
Consumer complaint received 2016-06-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (VA)

Why is Equifax allowed to claim that accounts are mine when the company 's claim they have not told Equifax this and Equifax refuses to send the information sent to them by these companies. No wonder most credit reports have errors, it is like Equifax is a daycare.
Consumer complaint received 2016-05-16
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

We have a VA Guaranteed Mortgage loan with USAA since XXXX XXXX. 
let me number the problems we had and still have with them : # We told USAA is the lender and servicer for loan. But every time we have to call USAA, they made us deal with 3th.parties ( their servicer ) # XXXX We got a call from USAA in order to refinance our mortgage for lover interest rate. We told it will reduce monthly payment. And no out of pocket expenses from us. We agreed so. At the end of process, we have to wrote a check for {$80.00}. 
# We told " Mortgage insurance will finance with new loan ''. So we call them to make sure before we spend the refund mortgage insurance from old loan at XXXX time. Representative from USAA told us " Mortgage Insurance already build in to new loan ''. We spended the refund at XXXX time. Month later USAA turn around and ask us to make {$1500.00} Mortgage insurance payment. When we contacted them, USAA told us " There was a mistake or misunderstanding, We are sorry but You have to make the payment. 
My question was " since when we start paying for banks mistakes? '' # last and current one is ; We got online and schedule first payment of new loan for the date We receive my pension. Which is XXXX of each month last 6 years for old loan and this loan. We schedule as it is for XXXX of every month. Servicer of USAA try to take funds before the first ( as it schedule ) and payment decline. They are asking me to pay $ XXXX-Bad Check Fee-. We made all our payments on XXXX of each month and there is no reason for available fun before then to make payment. Why we would try to make such thing as they claim. 
Mistake of Usaa {$80.00} and {$20.00}, we would like it to refund and it is not fair to pay for {$1500.00} baking mistake and We have to pay for it. USAA did not build it in the loan, we told. And Usaa should pay for their own mistake, not us.
Consumer complaint received 2016-03-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX I filed a dispute with Equifax along with XXXX and XXXX in regards to XXXX XXXX XXXX in regards to inaccurate information that was being reported by this company for XXXX XXXX. On XX/XX/XXXX this information was deleted by all three bureaus. Equifax gave a confirmation # XXXX stating the information had been deleted from my credit report because the creditor did not verify the information to be accurate. On XX/XX/XXXX XXXX XXXX XXXX reported the same information and Equifax re inserted the information without making sure it was accurate. Also, credit bureaus are required to notify consumers within 5 days of re inserted previously deleted items according to FCRA. Equifax did not send any notifications nor did the creditor certify the information to be accurate. Such actions can be punishable in monetary damages. Please delete immediately.
Consumer complaint received 2022-07-20
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: Experian Information Solutions Inc. (CA)

Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information. 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 correct your errors and update my records. Please correct the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX XXXX XXXXXXXX Late Date XX/XX/21
Consumer complaint received 2015-08-07
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I visited XXXX in XXXX, CO and was looking at cars. They let me know that they were running a credit report to see what loans I qualified for. I let them know that I only would allow one company to run the report ( XXXX ) and they agreed. They did not tell me that other companies would be running a credit report to give me loans and I specifically told them that I did not want my credit run through finance companies I did not approve of. I was unaware and did not give understandable permission for this company to run a credit check on me. I was pressured into running a credit report when I did not want to because I was a first time car buyer and unaware that when XXXX ran the report it would go through numerous agencies. They did not clarify and tricked me. I think this is unfair in that it affects my credit score negatively.
Consumer complaint received 2015-09-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IA)

I filed a dispute through my XXXX XXXX account. It was sent to XXXX and was removed from my credit report but it was n't removed on my Equifax report. This open account is still on my Equifax and I 'm not understanding why. I also have other information that is a typo and my longest employer is not listed. And I have tried to file a separate dispute through Equifax but it keeps telling me that my personal information is not the same as they have but I know it is. I am told to fax my drivers license, etc.. in first. Why do I have to go through all this? I can provide a file # if needed. I hope the case # I provided is the same as a file #.
Consumer complaint received 2015-07-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (VA)

here is XXXX items on m credit report from XXXX XXXX. XXXX is in the amount of {$170.00} dated XX/XX/XXXX XX/XX/XXXX. This is not my debt I have not had an account with this company in XX/XX/XXXX I was not even living in the city of XXXX Va. There is also an account listed for {$240.00} sub # XXXX XXXX, I moved out of my previous address of XXXX XXXX XXXX XX/XX/XXXX and all equiptment was returned to this company. I have contacted them on numerous occassions and and issued a copy of the receipt for returned equiptment and this issue has not been resolved. Under the Fair Credit Report act this is a violation of my rights and I wish to have these errors corrected. this is the XXXX time I have had this issue and as a result I was denied employment from my previous employer. 
XXXX # XXXX amount {$160.00} I have never had an account with XXXX I have been in contact and would like verification of this debt requesting its removal immediately. All of my student loans were in default, the information in regards to these are incorrect. I would like proof of these debts.XXXX # XXXX Attempted for over 3 years to have loan refinanced was advised that it ould happen and when it did not property went into foreclosure. Agreement was made with XXXX that the debt would be wiped clean since I was given monies provided me By XXXX and also with an agreement that all negative payments would be removed. In regards o all medical bills reported. I had insurance With XXXX as a dependent from XXXX thru XXXX. 
Thisinformation is being used againist me and I can not secure a job I would like a full investigation and a copy of any verification that is sent as are my rights under the Federal Fair Creit Reporting Act. It is my intention to seek damage for theincorrect information that has been reported
Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (IN)

I had XXXX fradulent charges on my XXXX credit card ( managed Wells fargo ) for {$380.00} on XX/XX/year>. While these charges were still pending I called XXXX and notified them. They close the card and I filed for fraudulent charges. 

They rejected the claim stating that this was from XXXX, a company that I have auto pay monthly for my phone bills and since I regularly work with them, it can't be fradulent. 

I appealed, I included a statement ( via online chat with XXXX XXXX customer service that they did not request these payments ) and a police report ( incident # XXXX from XXXX police dept. ) And they still rejected my appeal twice over. 

After the first rejection, they refunded 1 payment but expect me to pay for the other charge. After appealing 3 times and getting rejections, I seriously find their decision making very poor and come to you to file a complaint and hopefully force them to take proper action with my claim.
Consumer complaint received 2016-01-21
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY (TX)

to whom it may concern : I got a line of credit loan from Wells Fargo. I was paying prime plus XXXX for several years. All of a sudden the jumped up to prime plus 8 % for no reason. I need help with this. I do not feel this is fair. I called to see if they disclosed to me the min and max amount. They said they do not provide anything in writing. They only do this verbally. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (PA)

I received my paycheck via my job with a balance of {$1400.00}. I payed all my bills as i had planned and was left with a couple XXXX if not less. The following day my account balance showed that there was XXXX dollars put back into my bank account. Nothing on the transactions list reflected this but I was able to access the money fully therefore I thought there were no issues with me using it. It's shown on my bank account that I was able to access the money without issue as you can see by the transactions I made. Come to find out on XXXXXXXX XXXX XXXXXXXX that I was now over drafted XXXX something dollars as they had taken the XXXX dollars back. This is an issue as now my coming paycheck will be taken up by these fee 's and I had no idea this would be an issue. PNC did nothing to assist me in figuring out why this happened/helping me with the outcome of this issue. I'd like to file a complaint against PNC due to this.
Consumer complaint received 2024-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (NJ)

XXXX XXXX loans keeps calling me with sales pitches, refinancing, home equity loan soliciting. i have asked them several times to stop calling me unless it had something to do with my actual home loan that was sold to them. I am terrified I am going to miss something actually important because they solicit so much. I asked a woman today to stop and she kept asking questions and then laughed at me when I said to stop calling. This unprofessional especially since I have no choice in who my loan is with. How do I get this to stop!?!?!
Consumer complaint received 2017-02-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

1 800 Loan Mart has repeatedly called me 30 times a day for the last 7 months also have incorrectly reported negative things on my credit report, also called and threatened me with imprisonment lawsuit call me directory name also told me they would come to my house and do something to me after I paid them {$4000.00} and they took my vehicle now they 're saying I still owe them {$5000.00} the original amount of loan was {$2500.00}.
Consumer complaint received 2017-01-10
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

The debt is on my credit report as Portfolio. I have noticed calls on my caller ID from Portfolio but never once is there a message left. How can I know who this is and what they are calling about if they do not leave a message so I can contact them?
Consumer complaint received 2022-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information. 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 correct your errors and update my records. Please correct the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX  XXXX  XXXX Late Date XX/XX/21
Consumer complaint received 2016-09-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (TX)

The University XXXX XXXX attempted to take tuition payments directly from me after I withdrew instead of deducting the payments directly from the students ' loans. I withdrew because the quality of education I received from the University XXXX XXXX was extremely poor, the instructors would not help me and the courses I took at the school are pointless as my former and current employer will not accept them because the school is not accredited and the degreecourses are not accepted in advancement of careers. What the University XXXX XXXX is doing is illegal! You can not send student loan money in the form of a loan directly back to the lender and go after the borrower for collection. The University XXXX XXXX broke the lenderborrower contract without the student even knowing.I would the XXXX to remove the student loan information from my credit reports and cease collection of the XXXX in student loan payments for these courses that I can not even use to advance my career
Consumer complaint received 2017-08-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Investigative Concepts, Inc. (IN)

I have received multipile robo calls from multiple numbers all correlated to a return number of XXXX. The number that shows up on caller id ranges all of the known us area codes. Same message, my name is an illicit person of interest, they are verfying my address and employer that day. Does not identify themselves in any way. Return calls to that number are greeted by a robo answering system, and a rude individual when one refuses to provide personal information without clarification as to what the intent of the caller is.
Consumer complaint received 2024-03-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (WA)

I purchased a pair of XXXX Headphone from XXXX in early XXXX, 2024. This was XXXX # XXXX. I returned the headphones because they did not function correctly. XXXX acknowledged receipt of said headphones, but failed to initiate a refund of over two weeks. I then filed a chargeback with Chase. Chase initial provided credit. However, Chase then rescinded {$55.00} in credit had provided, citing a credit XXXX had provided for an entirely separate transaction. The {$55.00} credit XXXX had provided was for XXXX # XXXX. XXXX never provided credit for the headphones I returned, despite repeatedly acknowledging receipt of such. Chase has a conflict of interest in that it that XXXX is an account holder, and Chase has many investments in XXXX. Thus, Chase has an unpublished policy and practice of denying chargebacks in XXXX 's favor, despite obvious evidence to the contrary in the cases in which is does deny meritorious chargebacks.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (CO)

I was looking to buy a vehicle and went to XXXX XXXX in XXXX XXXX California. I was told that a company called EXETER FINANCE LLC would hold my loan. I signed all the paperwork on XX/XX/2023. Then on XX/XX/2023, I received a letter in the mail from XXXX XXXX stating that they couldn't find any bank to finance me so they had cancelled my contract and I was to return the car to the dealership which I promptly did. I had also received numerous statements from Exeter denying me credit. Now I am getting on my credit report that I owe them XXXX  for a car I no longer have. I have tried resolving this issue with Exeter and nothing is being done. I can not get any other car with this on my credit, and have not been able to.
Consumer complaint received 2017-08-13
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: CITIBANK, N.A. (GA)

An inquiry dated XXXX XXXX,2016 is reporting on my credit. I did not authorize anyone employed by XXXX XXXX XXXX to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I 've sent a certified letter to the address listed on my credit report to the address of the company. The certified letter was returned undeliverable unknown address.