davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (NJ)

A review of my credit report showed a collection account by  Diversified  dated in   XX/XX/XXXX .  I have never had any contract with  Diversified Consultants  and my contract with  XXXX  was cancelled. I have disputed this with all   XXXX   credit bureaus on both  XX/XX/XXXX  and on  XX/XX/XXXX , and their response on my credit report is " Meets requirement of the FCRA ''. A letter was also sent via certified directly to Diversified on  XX/XX/XXXX  - their response was to mail me a copy of a  XXXX  statement of account.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I recently reviewed my credit report and noticed an account that appears to be fraudulent. This account is inaccurate and is negatively impacting my credit score, thus affecting my ability to obtain credit. I did not authorize this account, and I am requesting its immediate removal. 

Please take the necessary action to correct my credit report. Thank you for your attention to this issue.
Consumer complaint received 2017-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

I received a promotional offer for m Citi Aadvantage pro gram that incudes  XXXX  promotional miles. I called to confirm that I will receive the miles and was told yes.   Then, 3 month later, when I met the requirements of the promotional offer, I was told I will not receive the miles.
Consumer complaint received 2017-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

XXXX and XXXX are showing an outstanding balance on my credit report that I do not owe for Bank of America. I have reached out to Bank of America regarding this account and they indicated that the account was paid off X/XX/2014. I contacted Bank of America in my financial counselors ' office and she too heard them confirm my account status.
Consumer complaint received 2017-05-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: DISCOVER BANK (NC)

Case XXXX XXXX XXXX XXXX XXXX XXXX XXXX set aside the Judgment. XXXX XXXX also stated that the statute of limitation 's was up and the debt from Discover could not be collected by any other means. On XXXX XXXX I received a call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX,  XXXX MA XXXX trying to collect the discover debt. I told them about the ruling of XXXX XXXX and faxed a copy of Certificate of Service they said they would review the document. The firm North Carolina phone is XXXX XXXX. They have no legal right to try to collect the debt. I faxed the documents to XXXX XXXX at XXXX XXXX XXXX.
Consumer complaint received 2016-07-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BMO Bank, N.A. (CA)

I opened the Everyday Checking with BMO Harris over the phone in XXXX 2016. The promotional code that I used for the {$250.00} checking bonus was n't expired until XXXX XXXX which was after when my account was established. This code was confirmed originally by the phone agent, and the bank should have kept the recording of this phone call as proof of my claim. Moreover, I also have email proof of this promotion sent by the bank so there is no denying from the bank for refusing to honor it. The worst thing was with their customer service which seemed to have mostly been trained to tell all customers that the promotion was not from the bank at all, and the bank website has been hacked or at least the promotion page was hacked to send out this bonus. I have NEVER heard such a ridiculous response from any other financial institutions before, and it is seriously shocking to learn that a good sized bank like BMO Harris could NOT honor its bonus for whatever reason. 
The second issue is with the XXXX monthly fees charged. I have to say that their banking system is the worst I have ever dealt with, even credit unions are having better systems to make the process easy to use and streamlined for their customers. When I created my online banking account I expect everything to be automated and did NOT have to call customer service to get it to work. This has been my experience with any other financial institutions that I 've dealt with, however BMO Harris system is different and does n't work without manual intervention. The request for refunds is for the amount of time and trouble it caused me to set it up successfully. If I received the initial temporary password that your website was supposedly to send out, I would have completed the enrollment process in no time and transferred in enough funds to waive the monthly fees. 
So to summarize, I 'd appreciate CFPB to work on my behalf with the bank in order for them to honor my bonus, and refund the fees charged inappropriately. Thank you very much.
Consumer complaint received 2016-12-03
Product: Debt collection — Mortgage
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: BMO Bank, N.A. (MN)

I sent a letter requesting removal/deletion of erroneous hard credit inquiries. I used the addresses as published on my personal XXXX credit report. The mail comes back " not deliverable as addressed- unable to forward. '' If XXXX is publishing fictitious addresses, how am I able to have the inquiry deleted? I have had this problem with the phone numbers that are published as well. Please advise! Thanks in advance!
Consumer complaint received 2016-12-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (SC)

In XXXX of 2013 I sent {$1000.00} additional mortgage payment to Wells Fargo to be applied to the principal of my loan. Wells Fargo received my {$1000.00} and my regular scheduled payment for the month and split it into smaller payments and deducted interest from the money in question. I have on occasion attempted to get them to correct this and have been given a bunch of smoke and screens. I even went into a local branch trying to get this issue resolved. Recently I received a letter stating they were " researching it ''. I went online attempting to find an address for the person who signed the letter and found instead that others had posted the exact same letter that I have, signed by the exact same person and complaining that XXXX XXXX does n't exist as far as it relates to getting their issue with Wells Fargo resolved. It was that website that directed my to you. PLEASE. HEEELPPP!!!
Consumer complaint received 2016-12-05
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (VA)

I currently have a personal loan with Wells Fargo. I had been making payments experienced change in income sometime ago reached out to Wells Fargo and they were not able to work with me with payments I could afford. I enrolled the account with take charge XXXX almost XXXX years ago. my payment amount did n't change but it helped with interest and fees. Though still a struggle I made the monthly payments. Recently again I experienced change in pay spoke with take charge XXXX they informed me to try to call wells Fargo to see if they can do a hardship so I did. Was told they ca n't work with me even if I take the account out of the consolidation program. They were not the only creditor I have and my others XXXX being XXXX worked with me. I returned a call to Wells Fargo today and got a gentleman on the line named XXXX XXXX explained to him again the situation and what Wells Fargo informed me that they could not work with me he explained that that was correct and at this point the company would do what they had to do to collect the debt. I explained to him again at this point I 'm at a dead end because they can not work with me so I 'm forced to pay what I can when I can. He then proceeded to be very rude harassing and unprofessional I reminded him of my place of employment and that I am aware of the collection laws and how I should be treated as a consumer. Also that I would not continue to have the conversation with him speaking to me in that manner. He rudely stated to me that he already Went over this information with me that Wells Fargo could not help with an arrangement and that he was transferring me to someone else. I told him that I was at work and that if this person was not going to be able to assist me with a hardship there was no point in me being transferred he said well that 's your choice he proceeded to transfer me a woman answered and then I was disconnected I called back and I got a nice gentleman named XXXX XXXX told him that I just wanted to speak to a supervisor and he plays a supervisor by the name of XXXX. On the line. I informed him that because of the behavior of the first representative that I would be filing a complaint he informed me that he would have to put me in contact with a different department and that no one was available and that he would have someone call me back I received a call from XXXX said he was with the XXXX offices of Wells Fargo and that he would be conducting an investigation and that if I wanted to still file my complaint that that was definitely my decision to do so and that he would follow up with me in about XXXX business days or sooner. 
The XXXX representatives and the supervisor that I spoke to when I ask for their full names and/or ID numbers the representatives only gave their first name an office that they were located and the supervisor gave his first name and last initial.
Consumer complaint received 2016-07-20
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I have applied for a XXXX Refinance with a Mortgage Lender, which involved submitting a request to RBS Citizens to Subordinate a Home Equity Line of Credit to the new first lien mortgage. I was approved for the refinance and the application for the Subordination was sent out to RBS Citizens, which included all of the documentation requested in their request checklist ( compiled by the title company ) and the request was submitted the first time with the incorrect fee for the Subordination request. The request was sent out ( XXXX ) with the check for the correct amount ( {$250.00} ) and returned as the request was denied because an appraisal was not submitted. I called RBS Citizens to find out why the request was denied, as I did apply for a XXXX Refinance and subordinate lenders are required to approve the request ( provided the account has a satisfactory payment history, which I do have ). They told me the reason for the denial was because I am required to submit an appraisal because my line was frozen and when a Home Equity Line is frozen, regardless of using a XXXX Refinance or not, we needed the appraisal. I paid for the appraisal. The appraisal was done and the application for the Subordination was submitted again. I hear nothing, so I called thus again ( keep in mind, my title company has been calling for status updates as well as myself ) and now I am told they need 10 days to log the request in and reply to the request. This happened late XXXX and was told the 10 day mark would be XXXX XXXX. No response at all, so I wait longer. I called again and was told by different customer service representative that the appraisal was not required ( even if my line was frozen ) if applying for a HARP refinance. Now I still have no answer and I spent in excess of {$400.00} for an appraisal, which was not needed in the first place. I called the title company today again to ask if they received the package returned or have they received any updates, which they did not. 

My frustration with this is endless and I can not finish my refinance until this is resolved. EVERY time I call or my Title Company calls, I receive a different story with no direction on how to resolve this issue. I can not imagine that RBS Citizens is doing this to all of their customers who request subordinations for their Home Equity Lines but I would like to get to the bottom of this and have my subordination approved and receive a refund for the money I spent for the cost of the appraisal which was not needed in the first place. 

I appreciate your assistance and welcome you to contact me at XXXX XXXX XXXX XXXX.
Consumer complaint received 2016-12-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Colony Brands, Inc. (AL)

I have contacted both Seventh Avenue and XXXX XXXX XXXX, regarding a negative report that these XXXX companies have placed on my credit report file with the XXXX credit bureaus. I have asked both agencies to provide me valid proof baring my signature that the account reported was mine. However, they have failed to provide me valid proof baring my signature as required by the FDCRA. They also broke the federal law, by not report that I was disputing the account that they reported to all XXXX credit bureaus as required by the FDCRA. My first dispute was in XX/XX/2016, which XXXX agencies signed for a letter from me XX/XX/2016 that was sent certified/return receipt by the USPS.
Consumer complaint received 2016-12-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NJ)

I have been going to a local Chase branch in XXXX NJ for the past six years, since the branch opened. I stop by a few times a months on my way to my son 's school to drop off a deposit at a teller. The account I have does not have a debit card, so I can not use the ATM. I have no problem using a teller and I have become friendly with the tellers that work there. I usually deposit checks, but once in a while I deposit a roll of coins. Coins can not be deposited over the internet or at a ATM, so waiting in line is my only choice. Recently, I stopped by and a new teller was working at the branch. I was deposited a check and one roll of nickels ( {$2.00} ). She asked me for my ATM card or ID. I have my work ID around my neck, which is what I usually show. She called over a manager, XXXX, and they refused my deposit. The manager claimed the {$2.00} roll of coins required a federal ID, such as a passport or birth certificate to deposit. It was to stop money laundering of cash. I explained I did not have ATM card on the account or a passport on my person. The manager became nasty and told me to leave the branch. I left and deposited the coin roll and check at the XXXX NJ branch without a problem. Two days later I came back to the XXXX NJ branch with another deposit and the regular teller was there and accepted it without a problem. 
My issue is that the federal ID requirement is waived if the customer is recognized, but enforced if the manager feels like it. My deposit slip with my customer information should be enough to deposit one or two rolls of coins. It is a deposit, not a withdrawal or cash exchange. I was always told that legal cash and coins are good at any bank. Making customers feel like criminals to place money INTO a bank is just poor customer service judgement, especially for a roll of pennies, nickels or dimes.
Consumer complaint received 2016-12-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Adler Wallach & Associates, Inc. (CA)

Dear XXXX of the Consumer Finance Protection Bureau, AWA collections, as of XXXX XXXX, 2016, continues to violate both State and local laws of the XXXX Arizona 's XXXX debt collection statutes which prohibit the collection of medical debt from consumers participating in State Medicaid / Medi-cal. The original creditor and AWA collections were notified by the Arizona Department XXXX XXXX that " balance billing '' and pursuing a bill against an XXXX enrollee can trigger civil penalties of " three times the amount of the billing '' and is expressly prohibited by Arizona XXXX XXXX XXXX. 
When this occurs, it is appropriate to report the unlawful billing practices to the XXXX XXXX of XXXX XXXX for further action, since the XXXX considers such billing practices by providers to be " fraudulent ''. 

In XXXX of 2016, The State of Arizona notified AWA collections and XXXX XXXX XXXX that pursing this bill is in violation of state statute. AWA collections continues to disregard such notice and continues to illegally collect and report to the major credit bureaus. 

AWA collections has also illegally reinserted this collection with the major credit bureaus and failed to notify me in writing prior to its reinsertion. 

This is my final attempt to resolve AWA 's illegal and fraudulent collection of this bill. I understand mistakes happen, and expect AWA to resolve and discontinue the collection, reporting, and dissemination of this alleged debt. I have filed a complaint against AWA collections with the State of Arizona 's XXXX. 

AWA Collections has violated both the FCRA and State of Arizona 's state statutes regarding debt collection of covered state Medicaid recipients. AWA Collections is liable to me should I reserve my right to seek resolution through the legal system of the State of Arizona.
Consumer complaint received 2016-12-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (MS)

Buyer 's remorse. I ordered a phone from XXXX. When the phone arrived I could not receive a signal at my residence. I had not yet yet disconnected with XXXX which had 3 bars service where XXXX had no bars sitting side by side on my coffee table. I called customer service and tech support and after they could not help me get good service was told to return the phone. I returned the phones to them the next day as instructed. I have copies of both an email and letter from the company saying the phones were received in excellent condition and within 15 days. The law states if I 'm not satisfied with service for any reason I can return the phones. 
Since then I have received letters and called many times trying to fix what I have been told is a glitch in their system. I can not log into the XXXX side of my account. When I call them they tell me they 've fixed the problem. Then a credit agency is trying to collect so they can get money for phones they already have back.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

I, XXXX XXXX XXXX, declare that my identity has been stolen and used to open various fraudulent accounts without my consent. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from my Experian consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.The following accounts were opened in my name. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the fraudulent accounts and hard inquiries in question as well. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity The Criminal Complaint # XXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

In accordance with the fair credit reporting act, The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 604A. States I have the right to privacy.

15 U.S.C 1681 section 604A. Section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( XXXX ) 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 with antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-12-21
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Halsted Financial Services, LLC. (TX)

I spoke with a young lady on XXXX/XXXX/2016 I believe from this company..she informed me of the balance owed. I advised her I did not want to get any calls from their agency. She then had an attitude and demanded payment. I asked again for no more calls and disconnected the call. 
I receive another call on XXXX/XXXX/2016. I was not able to answer. I called them back XXXX/XXXX/2016 at XXXX and let the agent know I previously requested not to be called. He said he is going to mark my account as a refusal to pay ( misleading ). I said I am not refusing to pay, I just do n't want any calls. He said they can stop the calls. 
I called again and spoke with XXXX on XXXX/XXXX/2016 at XXXX to get the company info and my account number. I asked him for their company website. He did not want to provide it to me. He kept asking why I needed it. I said I wanted their company info and a place to make my payment. He said I can only pay over the phone with a card or check. I stated I still wanted the site. He provided https : //halstedfinancial.com/ I said thank you and disconnected the call. 
Their site does allow for online payments, therefore agent was misleading and lied.