davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-19
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: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, account XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (NJ)

I am writing to complain about my credit being ran following providing all the information requested from Discover Financial. They said I did not provide everything required but I did and did so on a follow up in a timely manner. When I followed up with Discover they indicated that the archived request would require another application for a change and their supervisor available said they understood why another complaint should be issued. Her name is XXXX and available XXXX XXXX XXXX XXXX. I feel I am being descriminated against for being XXXX or living an area they do not want to lend to.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

NO/LATE Response to Dispute (Experian)
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I have submitted a dispute through Experian through USPS Certified Mail on XXXX XXXX XXXX, the document was verified and received on XXXX XXXX XXXX, the estimated completion
date was XXXX XXXX XXXX The estimated mailing received date was XXXX XXXX XXXX The
credit bureau used more than the allotted amount of time given to respond. I have also attached
photos of the receipts for the certified mail, as well as a copy of the dispute letter sent to the
bureau. Attached you will also find a photo of my XXXX Identification card.
Under the "Fair Debt Collection Practices Act",
 807. False or misleading representations
A debt collector may not use any false, deceptive, or misleading representation or means in
connection with the collection of any debt. Without limiting the general application of the
foregoing, the following conduct is a violation of this section:
(2) The false representation of --
(A) the character, amount, or legal status of any debt; or
(B) any services rendered or compensation which may be lawfully received by any debt collector
for the collection of a debt.
(11) The failure to disclose in the initial written communication with the consumer and, in
addition, if the initial communication with the consumer is oral, in that initial oral communication,
that the debt collector is attempting to collect a debt and that any information obtained will be
used for that purpose, and the failure to disclose in subsequent communications that the
communication is from a debt collector, except that this paragraph shall not apply to a formal
pleading made in connection with a legal action.
 809. Validation of debts
(a) Notice of debt; contents
Within five days after the initial communication with a consumer in connection with the collection
of any debt, a debt collector shall, unless the following information is contained in the initial
communication or the consumer has paid the debt, send the consumer a written notice
containing --
(1) the amount of the debt;
(2) the name of the creditor to whom the debt is owed;
Consumer complaint received 2020-10-20
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: SECURITY FINANCE CORP (LA)

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX  for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS. I HAVE ATTACHED SOME LETTERS THAT I HAVE SENT TO THEM IN THE PAST.
Consumer complaint received 2023-01-19
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 (NH)

A payment to my account sent by XXXXXXXX XXXX  on XX/XX/22 was sent in error to Goldman Sachs Apple Card to the wrong account number ending in XXXX. 

Since XX/XX/22 I have made multiple attempt to Apple to resolve this issue. As the money was deposited to Goldman Sachs and never credited to my account. Goldman sachs has claimed they can not find it. I have given them proof of deposit, from XXXX. The money is in my name and Apple was informed since XXXX of the error and no reasonable response has been provided. I have called Apple on multiple occasions and they refuse to transfer me to the dept that is searching for the money. I have asked for a direct call back, when attempts are made there is no ability to provide clear information about the status of this payment. I have asked for the money to either be returned to XXXX or credited to my Apple Card correctly, this has not been done it has been almost 3 months. 

I have attached proof of deposit with bank tracing number give to Goldman Sachs Apple already. Showing the account number associated with this deposit is incorrect.
Consumer complaint received 2023-01-19
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: Experian Information Solutions Inc. (FL)

I had names that were not mine, addresses that are not deliverable to me by XXXX Mail and phone numbers listed on my credit report that I previously disputed. XX/XX/2022 I also noticed a new inquiry on my XXXX, XXXX, Experian credit report for a RV company XXXX XXXX. I have no place, no need or room for a RV!!!! I tried to call the number listed and it does not work. Hoping they had cameras. I recently purchased XXXX lock feature to ensure this stops. I have fraud alerts and locked all my credit reports to prevent whomever from doing this again.
Consumer complaint received 2023-01-19
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: EQUIFAX, INC. (KY)

I received my reinvestigation back from XXXX. They said everything is accurate and complete. I would like to receive the description according to 15 USC 168i ( 7 ). 

Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is not 100 % accurate. 

Account : XXXX XXXX  XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 168i ( 5 ) ( A ) ( i ). 

I attached my consumer report as evidence.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

On XXXX XXXX an unauthorized person, wire transferred XXXX XXXX dollars out of my checking account. I was the sole person to have authorization on the account. The person is male and their name is on the wire transfer. I am a female and I have no idea how this person is allowed to do this and the bank is not taking any action as they were wrong in addition to the person committing the crime. Wells Fargo initiated an investigation and assigned an XXXX. The XXXX stopped all communication with me and refuses to answer my emails regarding what is happening and what the resolution will be. I have filed XXXX police reports. I am getting no assistance from the bank. Hence, I went and took out the majority of my money from the bank because the bank does not want to compliy with Federal rules.The bank was at fault and is insured and they are doing nothing to resolve this matter.
Consumer complaint received 2023-01-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Co LLC (IL)

I was never notified of my balance owed to the apartment complex ( XXXX XXXX XXXX Apartments ) I moved away from. In the statement they provided the debt collector, false information was included. 
XXXX alleged that I did not provide proper notice nor a forwarding address, which is false. Pictures attached of my conversation with the XXXX at XXXX providing notice of my move in XXXX, 2022 as well as my forwarding address are attached. 

At no time did XXXX send me a statement showing I owed them a debt. My account was sent to collections without even knowing I owed a debt to begin with. 

Additionally, the holdover fee mentioned in the paperwork was unable to be paid as the XXXX XXXX did not update XXXX to reflect this amount was due. I attempted to pay this, the system would not let me as it was more than the amount I owed in the system. I asked for help on how to pay and never received a response. Those pictures are attached. 

I disputed the debt with the debt collector ; however, they did not followed up with the status in a timely manner and it has negatively impacted my credit report. I should not even owe this debt to begin with, given I never received a statement that I owed anything prior to being sent to collections and XXXX had my address.
Consumer complaint received 2023-01-19
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)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELTED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-19
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: Bright Capital Inc (DC)

Over the course of last year XXXX XXXX has taken over {$8000.00} of my money into a rainy day fund. However I have not ever been able to take the money out of their account and transfer the fund back to my bank account. I closed my account last XXXX and since then I have not been able to access my online account or get anyone to respond to me via email or their live chat feature. They are holding over {$7000.00} of my money XXXX and multiple attempts to reach their customer service have been met with silence. It has been months since they took out and kept my money and I am in desperate need of the funds
Consumer complaint received 2023-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch (CA)

On XX/XX/XXXX, I received an email notification through XXXX that XXXX reported a debt collection from Helvey & Associates XXXX XXXX in the amount of {$820.00}. I contacted Helvey & Associates XXXX to find out that my name, social security and date of birth were used to open two gas and electric accounts from XXXX XXXX ( XXXX ) XXXX using the addresses as follows : XXXX XXXX XXXX, XXXX, North Carolina and XXXX XXXX XXXX, XXXX, North Carolina. I live in California and never lived in XXXX, North Carolina. I am a victim of identity theft with previous incidents that have occurred last year. I relayed this information to the representative and the representative gave me the phone number to contact XXXX XXXX. 
I spoke to the representative at XXXX XXXX in order to start the investigation and remove the accounts as fraud and to advise Helvey & Associates XXXX to remove the debt collection my credit report. Representative informed me about the accounts : ( XXXX ) Amount : {$22.00}- Account XXXX. XXXX - Address : XXXX XXXX XXXX, XXXX, North Carolina ( 2 ) Amount : {$820.00} - Account No. XXXX - Address : XXXX XXXX XXXX, XXXX, North Carolina. 
Representative from XXXX XXXX advised me to go to ftc.gov to complete a fraud report and mail back along with my police report in XX/XX/XXXX to begin the investigation.
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (AZ)

I filed a complaint with you a while back. This is the number you gave me. 
XXXX I asked for a check for my rewards early last summer and never received the check. I called the bank and they said they issued another check. This check never came. I called again and asked for another check and they promised they would send the check which also never came. Then the bank decided they wouldn't send the third check even though they promised me they would. Even after they promised they would send the check and then changed their mind they asked me to drive to the bank and sign a form that I have difficulty reading as the font is small and I don't have perfect vision. I had someone read the form to me and I don't understand it and it seems to imply that I lost the check which isn't true because I never received the check. I should not be required to go to the bank and sign a form since Wells Fargo promised me to send the check. In the meantime they've held onto my money since roughly XX/XX/2021 an amount over {$8000.00}. Please help me so they actually mail me the check registered mail like they promised to do. If you look online you can find Wells Fargo does this alot to people when they ask for a check for their rewards.
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had two Bank of America credit cards. I stopped using the cards more than two years ago because in my opinion Bank of America has the biggest liars in XXXX XXXX that I have ever dealt with. I called Bank of America on XX/XX/20XXXX XXXX XXXX XXXX XXXXXXXX and spoke with a BofA customer representative by the name of XXXX. I asked XXXX why my credit card interest rate had increased from approximately 15.99 % to 20.24 % in a year. XXXX said that the rates were in line with credit card rates, paraphasing, and this is the reason for the jump in interest rates. This is the only credit card that I have that had such a high jump in interest rates. I stopped using Bank of America credit cards for over two years ago and was paying them off monthly with more than the minimum payment each month with only one late payment because I lost the coupon sent. This is the only credit card that I have had that has such an unusual high jump in interest rates and I have had credit cards from BofA before and paid it off monthly the same as this one. The reason why I stopped using BofA credit cards is because of the liars XXXX XXXX, Chair of the Board and CEO sent to me when I requested a mortgage refinance when Countrywide was given to BofA according to reports and he sent nothing but liars to, so call work with me, and they did nothing but lie and I still have the documents to prove it. The credit card ends in XXXX with the latest high interest rates.
Consumer complaint received 2023-01-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I requested a payoff letter from the Huntington mortgage portal on XXXX XXXX for a XX/XX/XXXX close date, it was immediately issued and I sent to my attorney for the close. 

XX/XX/XXXX we closed and the title company reached out to my attorney stating that they needed " a real payoff with information on where to send or to wire the payments '' and would withhold my proceedings from the sale until this was resolved. 

Given the time of night, I sent a message via their client portal to ask for assistance : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX I sold XXXX XXXX XXXX today and the title company -- XXXXXXXX XXXX -- deemed the payoff letter incomplete- they have asked for a " a real payoff with information on where to send or to wire the payments '' They are holding the proceeds of the sale without this letter. Per my attorney you should waive the per diem given the insufficiency of this letter. Please respond ASAP. 



After no response, I called on XX/XX/XXXX and spoke to XXXX. She informed me they do not waive the per diem and that I must have messed up the letter. I told her I was looking at the letter and confirmed had sent it properly and that the actual contents of their template were deemed insufficient by the title company. I informed her they were withholding my proceeds from the sale. 

I confirmed that the one from the portal was acceptable for closing and she said yes and that they always worked with XXXX XXXX  and no one had complained. 

I asked to speak to a manager. 

I then spoke to XXXX who said that they will not waive per diem and that she knows what the issue is ( indicating to me again that they know there is an issue with their letter ) and that I just need to provide a fax and they'll get a better letter issued to the title company. She said the portal letter was different -- but still confirmed it was supposed to be acceptable for closing. I then had to reach out to the title company to get the fax number. I asked for a direct line and she declined, giving me the general customer service line. She was also aware my proceeds were being withheld. 

I called again and spoke to XXXX -- she told me the payoff letter would take up to XXXX hours upon being briefed by the situation. I informed her that wasn't acceptable as I was paying per day and had already closed. She then put me through to a supervisor and the supervisor then said that they could get the letter out by end of day today. 

I am expected to pay the extra day this took and XXXX declined to assist in any way and declined to provide me a method to work with someone on resolution. 

Also, while trying to pull up information to submit this complaint, all of their online documents failed to load -- paperless statements were inaccessible.
Consumer complaint received 2020-08-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (GA)

I do not owe any debts but started getting repeated phone calls from this company multiple times throughout the day from different numbers. No voicemails are ever left. 
The numbers are : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (NV)

I received a FRAUD NOTICE on my credit monitoring service on XX/XX/2023 at XXXX. The name was Allied Collection Services/XXXX XXXX. I researched the businesses and found that XXXX XXXX is an Apartment building located here in XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. When I called the number to XXXX XXXX this morning on XX/XX/2023 at XXXX - I was told by the person who answered the phone, named XXXX XXXX that my legal name as it appears on my ID and credit reports did not come up in their system. Furthermore, after requesting my email address, XXXX then stated that she would not be able to provide me with an email confirmation that I did not appear in their system, and that I would need to provide proof that I did not live there. (?????? ) At this point, I contacted the FTC regarding this clearly fraudulent matter - as XXXX XXXX is asking for more personal information, which I did not provide. I have never been contacted via phone, mail, nor any electronic means by XXXX XXXXAllied Collections at any time prior to the posting of the alleged {$2900.00} debt. I have no other option than to report this IDENTITY THEFT by XXXX XXXX XXXX ( XXXX XXXX, NV ) and Allied Collection Services XXXX XXXX, NV ). I never applied for, signed ANY lease, nor resided at this location in any capacity in my life. 

I called on the same day XX/XX/2023 to ALLIED COLLECTION SERVICE and spoke with their agent XXXX XXXX, and he indicated that if I sent the dispute to them via email regarding the fraud they would have the item removed. As of today, the item has not been removed, and I have been the victim of financial loss because of their fraudulent and negligent collection on an account of which is NOT IN MY NAME. 

I have sent via XXXX Mail a full dispute to all named parties in the form along with the FTC Report outlining the fraudulent actions taken against me. 

If the CRA 's and, original creditor, or the Collection Agent ( data furnisher ), do not DELETE + BLOCK this item from appearing on my credit report, each party named will be liable for any damages I have experienced due this egregious violation of my FCRA and FDCPA rights. 

I will take all measures against these parties to ensure the full protection financial health and credit reputation. 

Thank you for your assistance in this matter. XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-19
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: Experian Information Solutions Inc. (TX)

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 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 SECTION 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.