davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTION SERVICES OF ATHENS, INC. (GA)

On or about XX/XX/2022, I was notified through a credit monitoring agency that an account was submitted as a collection account by CSA of XXXX in the amount of {$100.00}. I disputed this account as not belonging to me. Within a few days, I was notified the account was verified. In an attempt to narrow down how and who this account belonged to, I reached out the collection agency. I spoke with XXXX, A representative at CSA. XXXX of CSA advised the account belonged to my minor son. I requested a copy of documents indicating I signed as a guarantor, original creditor, and an itemized statement. 

The collection company advised they did not have the requested information except the name of the original creditor. CSA was unable to provide me any information for the original creditor except the name and amount. I asked to explain how they received my order to receive my information or my sons, the agency was unable to provide the information. I researched the original medical creditor on my own. I was then advised, not only did I not owe any bills for myself or my son, the medical creditor advised they never used this collection agency. I was advised medical accounts for myself and my were paid in full and never submitted to any collection agency. 

The XXXX bureau should not have been able to verify this account as belonging to me without violating HIPPA rights for both my son and myself. I spoke with an agent named XXXX, at XXXX on XX/XX/2022 to determine what methods XXXX used to verify the account belonged the account belonged to me. XXXX advised me that the methods used was simply calling the creditor to determine if the SSN and DOB were correct. XXXX advised XXXX doesnt request supporting information from creditors to verify accounts. XXXX advised if I wanted to dispute further, I would need to file a police report or file a complaint with FTCA.
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (WA)

I had a XXXX limit CC with XXXX XXXX  and a XXXX limit CC with Wells Fargo prior to 2020. During the pandemic ( ~May of 2020 ) I entered into a deferred status with the both cards via calling the company prior to becoming delinquent and informed both banks that I had been furloughed from my employer, the XXXX XXXX XXXX due to the aviation industry as a whole taking a pause. Thus I would effective-immediately no longer be liquid, due to loss of primary employment. Further, my new income was based upon state-unemployment which was delayed for months in WA state due to a myriad of issues related to the pandemic. 

Nonetheless I called back Wells Fargo XXXX days later ( to continue my deferment ) and Wells Fargo informed me they needed me to call on day 45 to continue keeping my card in open/deferred status ( even though the pandemic still had no end in sight @ XXXX of 2020 ). Thus WF was my first ever CC to be closed. Through many calls I learned that WF needed me to call back just a few days earlier and this issue could have been alleviated, nonetheless WF refused to make any accommodations at that point. Keep in mind the pandemic showed no signs of letting up at this point ( Summer 2020 ) but Wells Fargo had no problem applying " the juice ''. 

So I called XXXX XXXX immediately to extend my Covid-related deferment, only to find that their time-frame for me to call back was also 45 days or less. However the silver-lining of all of this was my XXXX XXXX  XXXX had a 60-day window ( for Covid deferment follow-up ) and was willing to accommodate me so I remained us a customer ( also noteworthy : XXXX holds my highest limit and is my primary CC but also went into Covid-deferment at the same time as WF and XXXX XXXX  ). 

Consequently I still have my highest credit limit with XXXX but this just goes to show me that smaller banks like XXXX XXXX  and Wells Fargo ( smaller relative to my account and smaller relative to Chase ) must've been taking more aggressive risk-reduction tactics amidst a global pandemic despite the human affect, ultimately inflicting the most pain on people like me, low credit-limit, unemployed by Covid, and low savings individuals.

I was very disappointed that I was being preyed upon by mid-tier Banks at a serendipitous/unscrupulous moment for banks to close-out ( low limit ) credit cards that were in Covid-deferment status quicker than normally would have pre-pandemic. Ultimately I suspect that due to these accounts ' high doubt of repayment because they were in Covid-related deferment and low-limits, that is why it was in the banks interest to have them closed. If they wanted to keep them open, policy would have allowed for it. WF settled with me for ~60 % of the XXXX limit. XXXX XXXX  remains attempting to debt collect. I am now employed again but I fear I may have hurt my chances with WF because I accepted a settlement. Please help
Consumer complaint received 2021-12-16
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Hello, My information has been stolen from me ( I'm talking debit card, personal info, passwords, my whole life has been hacked ). I saw a fraudulent charge for {$500.00} on XX/XX/21 to my personal XXXX account. When I logged into XXXX, the {$500.00} was then converted into BitCoin but it's not there in the account. I didn't authorize this. I know absolutely nothing about Crypto. The same day, {$1500.00} was moved from my savings account in online banking to my checking account then used to some app called Ramp regarding crypto. I did not authorize this! Again, I don't know anything about trading or investing or anything like that. I have personal financial advisors who do that for me. Then, because XXXX is based in XXXX, I have a {$45.00} dollar international fee that shouldn't be on my checking account either. 
I reached out to my bank ( Bank of America ) to file a claim on the charges. They said they denied my claim because I authorized it and my signature is somewhere on it. I didn't sign anything. They haven't provided me with any documentation that made them reach that conclusion. 
I have also reached out to XXXX and XXXX to file fraudulent claims as well and have heard nothing, Please help me! I have attached my bank statement with the aforementioned fraud charges highlighted. As you can see based on the rest of my bank statement, I do not make those types of charges!
Consumer complaint received 2022-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-08-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (NY)

I had a transfer of {$270.00} scheduled to occur nightly from my Square Balance to my checking account. Square has closed my account without warning despite abiding by all of their payment terms. Further, they are refusing to release my funds as agreed upon.
Consumer complaint received 2022-06-20
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. (GA)

On XX/XX/XXXX, I received a letter from TransUnion stated that the account that I have disputed was verified. The letter will be attached so you all can reference. Now, I want you all to provide me with the neighbors, friends, and associates of mine that you spoke with. You all are required to perform an investigative consumer report. I need all the information that was gathered during that investigation which is my right as a consumer.
Consumer complaint received 2022-03-04
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. (TX)

I disputed incorrect reporting on my Transunion credit report. The XXXX XXXX XXXX account is reporting that this account was over 120 days pass due under payment history. One the payment grid it only shows I had only one thirty day late. Since I was only one time 30 day late there should not have reported 120 days late. I made extension arrangements so this account should not be reported as late. I am enclosing copies of the extension.
Consumer complaint received 2022-06-20
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. (FL)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the XXXX to XXXX 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC (NY)

In accordance with fair credit reportind act ... The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under.15 U SC 1681 XXXX XXXX # XXXX, has violated my right..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 state a consumer reporting agency can not furnish a account without my written instruction Thus this i highly injurious... ..Delete these account immediately unless you wany to be held 1,000 per volation ... ..spring oaks capitial llc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  also my spending is not XXXX the balance of my XXXX is wrong
Consumer complaint received 2022-12-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Hello again I want to remove my private mortgage insurance since the value of my primary residence on the market is about 70 % ltv. I already did all the necessary step with my servicer but after more than 60 days they still making me pay for private mortgage insurance and no response at this time in any form. And every time I call them and after they already confirm that my property value is XXXX ( this mean that my loan to value is around 60 % or less ). Is still on my monthly payment. 

My account is current and with no lates fees or any late payments on the life of this mortgage. 

Please advise that I open a claim with this agency back in XX/XX/2022 complaint number of the past claim is the following XXXX Thanks Regards
Consumer complaint received 2022-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MS)

I have been in public education for over 11 years and have had the correct consolidation process and correct payment plan all along to count toward PSLF. However, every year my serviced did not calculate my payments correctly, and during the process of correctly calculating the astronomical payments, they placed me on excessively long administrative forbearances. These not only further delayed my eligibility for loan forgiveness, but also accrued an astronomical amount of interest that capitalized to the principal balance. I have repeatedly asked for the process of filing complaints, whom I can speak with to resolve this issue, and how to generate a bill for those payment periods. I still have yet to receive a response. Anytime I call, I am old hold for hours and eventually request the callback. Never can get anyone on the phone. I sent the XXXX message to FedLoans and they said someone would reach out to me, but I have not received a response.
Consumer complaint received 2024-10-21
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: Experian Information Solutions Inc. (GA)

The following credit bureaus stated they would report credit information on my credit report according to FCRA guidelines. I repeatedly disputed XXXX for a late payment in XXXX. I provided documentation to XXXX as well as all of the following credit agencies providing my delinquency was due to an error. The amount was paid XX/XX/XXXX according to my bank statement confirmation number XXXX. I reached out to the provider and the was made aware of the error but stated there was nothing that could be done but send me a credit for the paid amount through the mail in the form of a check. I explained this in writing to each credit bureau and I even called and spoke with several representatives. It's rather unfair that I have a late payment still showing after they have had proof from my accounts.
Consumer complaint received 2022-03-04
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Management Partners, LLC (SC)

XX/XX/XXXX I have been receiving these calls for about 2 yrs., concerning a medical debt that should have been of no charge due to covid testing for the first time should have been free of service. I have explained to send information to the address listed on their account concerning the debt. No information has been supplied since that however the calls remain to come in all times of the night and morning into the working hour of the day and all seven days of the week including the weekends. I have communicated the need to stop the calls and the people tells me they can not hear me on the phone but can clearly respond to say you can not be heard and continue to over talk me on the phone so I can not be heard. I have not received the request info and have also requested the calls to stop all of which has not been accommodated. A total of calls today and it is not the end of it a call at XXXX, XXXX, XXXX, XXXX and I know there is more. Phone calls are log in my phone from dates of XX/XX/XXXX to XX/XX/XXXX. Someone and anybody help please. I have made another call to report that I do not wish to receive these calls in attempt of stopping the harassment. By the way these people are rude.
Consumer complaint received 2022-12-15
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. (CA)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX XXXX XXXX ), XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$4100.00} XXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$800.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX  ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX, Balance : {$2300.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$8700.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1200.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (UT)

I received 3 debt collection notices in the mail from Sequium Asset Solutions stating that I owed XXXX XXXX {$42.00} on each of three " sub-accounts '' for a total of {$120.00}. My existing service with XXXX includes 8 devices all of which are under the main account which is current and makes direct withdrawals from my bank account, with no late payments or insufficient funds events. 
I have called XXXX or Sequium about this issue at least 4 times and most recently spent almost 2 hours on the phone ( I was transferred to at least 8 different reps ) where I discovered the following : - Recovery Department seemed like they were going to help me and transferred me to the Fraud Department to " investigate ''. 
- XXXX with the fraud department confirmed with me that this was a " XXXX XXXX '' and referred me back to recovery to correct the situation. 
- The recovery department has refused to help me and has referred me back to the debt collector. 
- The debt collector has said I need to resolve the dispute by paying them or going back to XXXX to address. 

Upon researching this issue it seems like it has occurred in the past and continues to occur on a regular basis to new customers.It seems to be a great case for a class-action lawsuit.
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

Experian will not update my new address I mailed in with my license and deleted my old address I need the follow address removed not accurate because I no longer live there, not reachable there and want to prevent identity theft 1. XXXX XXXX XXXX XXXX la XXXX 2. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX la XXXX 3. XXXX XXXXXXXX XXXX XXXX la XXXX
Consumer complaint received 2022-03-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Management Control, Inc. (IL)

I never order service my XXXX XXXX XXXX saw on XXXX that XXXX XXXX  was giving away free tablets to any one who order it and she order it I contact XXXX XXXX  a few days afterci got thevletter saying welcome to XXXX XXXX. I called the company they said the order never fully went through and it was cancel so credit management control send le a letter threatning to send to bill collections. I called the number and explained the whole situation The rep asked XXXX how would I be paying I called XXXX XXXX XXXX
Consumer complaint received 2022-03-09
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.