davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-21
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Regional Management Corporation (WV)

I obtained a personal loan in XX/XX/XXXX. The original loan amount was suppose to be {$1000.00}. Yet when I went in the lady told me I was approved for {$5000.00} and that she could n't change it to the amount I requested. She used items that I did n't own in order to show lots of collateral. The loan became past due in XX/XX/XXXX. Since then I have received calls from multiple XXXX XXXX locations and representatives. When they began calling I told them that I could n't receive calls during my work hours, M-F XXXX. They consistently called during those hours. Not once mentioning that this was an attempt to collect a debt when I answered. Then they began calling from multiple local numbers all day. I couldnt distinguish their calls from business calls, interrupting my work day and placing me at a huge risk of losing my job. One representative named XXXX called I stated to her I was at work. I had a call coming in from my landlord and I had to go back to work. She stated what you owe them money too. I told her that she had no reason to make assumptions. When I asked for her name she would n't provide it. I had to call all the numbers they called from until I reached one who told me her name. Although the name provided is a nickname. I 've told them multiple times to not call during business hours. Once I threatened to sue they called before XXXX XXXX on occasions which is also illegal. They also called after XXXX, three times in one hour and still continue to do so. They even called my mother whom they were not given permission to call disclosing my personal information and my debt that I owed them. I 've asked repeatedly for them to not call yet they continue. I 've asked for them to identify themselves and they do n't. Then they jump right in to you owe thousands of dollars and to pay it now. I tell them I dont have it they state well we will keep calling for collection efforts. All in the meanwhile never once saying that this a debt collection effort.
Consumer complaint received 2018-01-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

Apparently on XXXX this company, Convergent Outsorcing, is report to the 3 credit bureaus that I owe them {$660.00} on behalf of XXXX. I never agreed to this. They are critically impacting my credit which has in returned had me denied for certain things. I have reached out to them and disputed it mutliple times, so I am now taking this extra step to get this resolved. Please help.
Consumer complaint received 2018-01-21
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. (FL)

XXXX XXXX and Equifax I explain to them that these accounts are not minds they never send me proof of any identification on these accounts even one of them that is an auto car that I never owned I told them to send me A copy of a picture ID purchasing this vehicle and these accounts and addresses all they did is send me an address that I never lived in
Consumer complaint received 2017-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have a freeze on all of my reports. A company XXXX XXXX XXXX pulled my credit report by saying it was FRAUD ACTIVITY on my account. Per I do have an account with this company and this is not the first time they have tried to pulled my report. I do not understand why you need to constantly pull a credit report if someone already has a account. 

So In order to pull my report they had to state that I was doing something Fraudulent. I called to ask them what was I doing Fraudulent and each time the disconnected the phone call, three times. I need this inquiry deleted from my report. I have contacted XXXX and they are insisting that I get a letter from this company and the company will not even speak to me. This report was done in FRAUD. I will be also getting a police report. 

Thank you
Consumer complaint received 2018-09-07
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: D. SCOTT CARRUTHERS (CA)

I took out a loan at XXXX for XXXX was paying back XXXX a month after XXXX payment which was a total of {$3800.00} I was under the understanding I was finished paying the loan back. As time went by XXXX XXXX was never on my credit report. Then this year in XX/XX/XXXX a lawyer from D SCott Carruthers contacted me to settle a debt that they say i owed of XXXX when my husband asked who the debt was from they said XXXX XXXX. we asked to send proof at the debt nothing was ever sent.Two months passed and in XX/XX/2018 the lawyers from D Scott Carruthers was calling 4-5 times a day demanding payments, then they started calling my place of business 4-5 times a day which i told them to do not call me at my workplace and my husband trying may attempts to try to resolve the issue at this time my husband was trying to Negotiate with them a payment plan since my husband is out of work and we are a single family income. They started threatening him with if you dont pay today we will take you to court and garnish your wedges if you dont pay XXXX XXXX up front we will take you to court and make you pay and make you pay paper fees and court fees my husband state we could pay XXXX down make monthly of no more that {$200.00} payments which is financial burden at this time and settle at no more than {$5000.00} and she stated they would think about it that was on a Friday XX/XX/XXXX they called back that Monday demanding XXXX down at {$380.00} a month settle at {$9000.00}. My husband re explained we didnt have that kind of money and she state if I dont hear a response by the end of the day I will file a judgment take to me to court and garnish my wedges. This was the last time we talked to her as of XXXX XXXX. D Scott Carruthers has never sent us anything and we really have no way of knowing how much the debt really is.
Consumer complaint received 2018-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONSTAR MORTGAGE LLC (IN)

I am missing the following payments regarding my VA mortgage loan as well attaching screenshot regarding XXXX   once again has inaccurate information that my property has recently been in a natural disaster within the past week. I have again contacted FEMA and my homeowner 's insurance company in which they stated should not have been submitted because this is false information. They are now as well both involved since this continues showing up by the person behind the computer screen at your company intentionally adding this after each CFPB complaint that I file. 
The following months are missing on my credit report in which I have the signed and cash checks by your company : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX. 
I was told via tape conversations you may want to pull through your company that after forbearance. All payments would be submitted that are missing for the year XX/XX/XXXX. You now tell me that if you submit the payments you will mark them as late however I was not told they will be marked as late since XXXX XXXX misguided me at the beginning of this entire process. How am I to do as XXXX XXXX stated refinance my home when my personal bank XXXX XXXX needs to show that my credit report matches the payment history you submitted to me via email late last week there are missing payments 13 as of today with the credit bureaus. 
On one bureau report there are payments that were being reported during the forbearance. Yet on another Bureau report there are not. Regardless natural disaster is a false report an allegation that needs to be removed immediately off of XXXX   and any other Bureau at the person behind the computer screen submitted the report. I also need missing payments reported and I'm not talkin late payments because I have been miss guided through this entire process while your representative XXXX XXXX almost 18 months ago. It was your company that was an admittance that XXXX XXXX misguided me and remove me from forbearance I'm making my last payment and removing forbearance from the loan.
Consumer complaint received 2018-09-07
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)

On XX/XX/XXXX, I called Transunion for the fourth time and I wrote Transunion a letter on XX/XX/XXXX regarding a collection item, that was not verified. I spoke to a " XXXX '', who stated he was a supervisor. I told him that the collection item was not mine and that it was inaccurate and unverifiable, unfair as per FCRA section 611 ( a ) ( 1 ) ( A ). And should be removed from my credit report. He was very rude and discourteous, and did not listen to what I was saying at all. I asked him what " method of verification '' under the FCRA, section611 ( a ) ( 6 ) ( 7 ), was used, that I had previously requested and Transunion,  did not honor. He said the method of verification was automated through a computer. I told him computers make mistakes and errors all the time. I asked who did Transunion speak to regarding this item and he stated they never speak to anyone, it is done by computer. Transunion is practicing illegal and unethical business practices. He also, stated that whatever the creditor says goes. I then told him I never consented to XXXX   or any type of automated verification. My name means something to me and Transunion is in violation of the Fair Credit Reporting Act and something should be done about them. Transunion should not be in business. They care nothing about the laws, or consumers. Transunion should be held liable for their willful non compliance. This is the worst service I have ever received. ( XXXX XXXX Transunion XXXX XXXX. XXXX, XXXX   XX/XX/XXXX ). The public should be made aware of Transunion unethical business practices. As well as the Attorney General and Federal Trade Commission.
Consumer complaint received 2024-09-10
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I disputed a charge on my capital one spark classic for $ XXXX I used a 3rd party servie to find a licensed hair dresser. XXXX, the service helped secure the {$50.00} payment for this consult. The person they connected me to was a scam artist. She isn't licensed. My red flag went off when she tried to convince me to pay her {$300.00} as a deposit, but she wasn't sure if she could do my hair. I asked her for her license and she couldn't show it. 

I contacted capital one, first they didn't supply any evidence to me before siding with XXXX. They clearly don't understand the transaction. 

I thought I used XXXX to find a XXXX who can legally do hair in ILLINOIS. Instead, XXXX is a vehicle for anyone who signs up to collect money. They are not vetting the stylist. 

I told this to capital one and they are looping me around and then denied a 2nd time. Infuriating!
Consumer complaint received 2024-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ECredable (NJ)

I have a loan showing up on my credit report that does not belong to me in the amount of {$500.00} open on XX/XX/year>. This is the first action i am attempting to take to report fraud and i also filled a police report.
Consumer complaint received 2024-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

I used the ATM to make a deposit and the ATM didnt want to accept the bill I put in so it said it would return the money. However, the money never came back out and the transaction ended. So I used the machine a second time to see if my deposit was in my account and it was not. 

There was no number on the ATM to call for help so I called the customer service number for the bank. The first man I talked to left me on hold for an hour and eventually hung up on me. While I was on hold with the first representative I called again from another phone and that representative said there wasnt even a record of me using the ATM twice to access my account. They had no idea who even manages that ATM machine. She said they would start a claim and let me know what happens. 

Meanwhile this is causing additional fees to accrue on my account, my account is stuck in the negative and I cant even use it because of this. Also, I dont trust them to give me credit for my deposit now because they dont even have a record of me using the ATM.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

The following inquiries need to be removed from my credit report I kindly request that you investigate these inquiries and remove any that do not comply with credit reporting regulations or that were made without my consent CAPITAL ONE ( Bank ) XX/XX/2024 CAPITAL ONE ( Bank ) XX/XX/XXXX XXXX
Consumer complaint received 2017-10-04
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: CITIBANK, N.A. (OH)

I am contacting your agency because I need your help in disputing some charges done on my XXXX XXXX XXXX XXXX XXXX Citibank credit card by a fraudulent company. I have paid several companies thousands of dollars for various online business related and have found myself as a victim of a professionally orchestrated scam. After I paid one company my phone got inundated with calls from these companies offering me their services. I would like you to investigate a charge done on my card by a company called XXXX XXXX XXXX XXXX charged on XXXX/XXXX/XXXX of {$4800.00}. I paid them after their persuasive salesperson made me promises of a very profitable online business. I never made a penny.They kept saying how important their services were that they would do the marketing and advertising of my website. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfill their end of the deal. I tried to resolve directly with the company and get my refund but they ignored my requests.I know its been a long time but I need your help in trying to contact my bank so they can open an investigation please. Thank you in advance.
Consumer complaint received 2018-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Suburban Credit Corporation (MD)

This company, Suburban Credit Corporation calls me everyday and leaves me a voicemail stating they are trying to collect a debt from me. Sometimes on the voicemail they use my correct name other times they leave a message for someone else that I have never met before but it is the same message every time. XXXX XXXX calls every day and request that I call her back at XXXX.
Consumer complaint received 2017-10-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PMAB,LLC (NC)

XXXX accounts for {$160.00}, {$88.00}, and {$140.00} and date of service was XXXX. Accounts were written off due to billing insurance company beyond billings limits on XXXX. All XXXX accounts were referred back to original creditor from collection agency on XXXX/XXXX/XXXX. I contacted collection agency but they refuse to close account and remove from my credit report to reflect the correct reporting. I would like accounts deleted asap because I do n't owe and this account been closed out since XXXX XXXX.
Consumer complaint received 2018-09-07
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. (NV)

Recently signed up for monitoring service in which I noticed an account on my file that does NOT belonging to me from company XXXX XXXX XXXX reporting a balance of {$660.00} This account is a fraudulent account as I am a victim of identity theft, I have attached further documents to explain Identity theft. This Account does not belong to me.
Consumer complaint received 2018-09-07
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. (NV)

Recently signed up for monitoring service in which I noticed an account on my file that does NOT belonging to me from company XXXX XXXX XXXX reporting a balance of {$660.00} This account is a fraudulent account as I am a victim of identity theft, I have attached further documents to explain Identity theft. This Account does not belong to me.
Consumer complaint received 2017-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Every month I pay my credit cards off before it 's time for the company to report to the credit agencies, and for the past three months my capital one credit card has not updated, which is drastically hurting my fico score.
Consumer complaint received 2018-09-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

I have tried for years to get Wells Fargo Mortgage to help me. 
I have had and paid there different law firms to help me. 
In was wrongfully denied a loan modification and believe that I was a victim of the computer glitch, because I have a good income my wife and I. 
We are very hard working people and we need and want to keep our home. Wells Fargo has been so very hard on us and refuse to work with us. 
They just rushed us off the phone or sent us a denial letter telling us they can not help us save our home there are no more options for us. 

We know that we were wrongfully denied and the attorneys basically robbed us.
Consumer complaint received 2018-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was trying to figure out how these address on my credit that are not mine. This is very annoying for my job verification. The addresses below are showing on my credit report and are not mine. I need them deleted asap. I live at XXXX XXXX XXXX XXXX, XXXX, OH XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have old or unrecognized numbers showing on my Trans Union report please remove / delete the the following : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.
Consumer complaint received 2018-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

My husband and I hold a bank account together. He can not handle finances and has a XXXX  problem. Bank of America let him withdraw funds beyond the amount we have in the account, with a notice that if sufficient funds are not in the account to cover the withdrawal, there will be a {$35.00} charge. He withdraws the funds believing he will have the money to put back in time, but rarely has the ability to do so. In my opinion, Bank of America is engaging in predatory lending as it knows fully well when clients will not be able to repay the amounts. If {$100.00} is withdrawn and not covered the charge is {$35.00}, if another {$100.00}, ( which the bank allows ), another {$35.00}. If the money is not in the bank within 3 days then in this scenario an additional {$35.00} per withdrawal is changed. This is usury. I have asked the bank to not allow these transactions but they continue. If I took out a high cost loan the interest would be a tiny fraction of this Bank 's income producing strategy.
Consumer complaint received 2018-09-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Note the fields requiring an answer do not accurately describe my complaint. I have a B of A debit card which I use at ATM machines to get cash when I am on vacation. I always avoid fees so I only use my Bof A debit cards at Bof A ATM machines. I am going to Vermont. There are no BofAs in Vermont. BofA refuses to waive ATM fees for ATM use in Vermont, even though they have no locations in Vermont. This is an unfair and deceptive business practice, as they market a product, the debit card, then make it impossible to use without a fee. They do not accept email complaints from customers. I made a telephone complaint and was told it would be reviewed by a supervisor but not necessarily responded to. Their suggestion was to simply carry large amounts of cash so I would not need the ATM machine.
Consumer complaint received 2017-10-30
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: EQUIFAX, INC. (OH)

I was going over my credit file and I seen some inquires I do not recognize. I acquired from your organization on XXXX XXXX, XXXX and I noticed an unauthorized inquiry had been made. 
I contacted XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report. There over 15-20 inquires on my report I never applied for any loans or contracts for business with these companies. The dates are around XXXX If you find the inquiry referenced above to be valid, please send me a description of the dates and time as well as the vendors used in your investigation within 15 business days of the completion of the investigation.