davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-26
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

This is for Loan #  XXXX  When I leased the new infiniti from  XXXX  Infiniti on  XXXX / XXXX /  XXXX   they verified that my car insurance with  XXXX   XXXX   XXXX  was active. I gave them a copy of my insurance card with  XXXX  an d Infiniti Finance to up date vin # and verify with  XXXX   XXXX  that Insurance was in force.     I was rear ended in an accident by a dump truck. The accident was not my fault. When I called  XXXX   XXXX   XXXX  to let them know I was involved in a car accident, they told me I was not covered.     I contacte d Infiiniti Finance im mediately to let them know of their error and that I was not goi ng to drive the   vehicle in a damaged state. I can  not drive their  vehicle in its unintended condition. Thus, I returned their vehicle to  XXXX  Infiniti in  XXXX .     I told them I was not going to make any future lease payments until they repaired their vehicle. I gave them all of the Insurance information from the other driver.     They were going to call me back a month ago and agreed to not put anything on my credit report. However, they have and it is Fraud
Consumer complaint received 2017-04-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

B ank of America m anipulated my balance by debiting and then reposting cashiers check, and then retroactively charged overdraft fees : I purchased a cashiers check on  XXXX / XXXX / XXXX  for {$1500.00} from a Maryland B ank Of American Branch an d {$1500.00} ( {$10.00} fee for cashiers check ) was debited from my account leaving me with a balance of  XXXX . On  XXXX / XXXX / XXXX , {$1500.00} was posted back to my account giving me a balance of over {$1600.00}. That night,  2   XXXX  transactions were drafted from my account for {$14.00} and {$18.00}. My account was still grossly positive. The next morning on  XXXX  I checked my account and the {$1500.00} which had been debited on  XXXX / XXXX / XXXX  and reposted to my account on  XXXX / XXXX / XXXX  had been retroactively debited back to  XXXX / XXXX / XXXX , and th e two   XXXX  transactions from  XXXX / XXXX / XXXX  were retroactively marked as overdrafts ( even though hours before they appeared to be cov ered ) the y and I was assessed fees totaling {$70.00}. Even though I was checking my balance, bank of  Americas manipulatio n of my balance did not allow for me to transfer additional money in time to cover drafts from my account, and I was penalized through overdraft fees.     Separately, On  XXXX / XXXX / XXXX  I contacted the  BOA Overdraft Collections Dep artment at  XXXX  to discuss multiple overdraft charges which had occurred as a result of scheduled payments being drafted to my account which had subsequently developed insufficient funds.   On  XXXX / XXXX / XXXX  there were  four overd raft item fees totaling {$150.00}. On  XXXX / XXXX / XXXX  there wer e four additional  {$35.00} overdraft fees totaling {$140.00}. On  XXXX / XXXX / XXXX , there was an overdraft fee of {$35.00}.   On  XXXX / XXXX / XXXX , my account balance was - {$450.00}. At approximately  XXXX   XXXX , I contacted customer service about consolidating or reducing the overdraft fees which totaled {$320.00} from the period  XXXX / XXXX / XXXX  to  XXXX / XXXX / XXXX . I was connected with a representative in t he Overdraft Collections  Department who agreed to reduce the fees to a total of {$160.00}. I was told that the difference would be credited upon by account balance becoming positive. Upon the conclusion of our conversation I asked if there was a reference number for our conversation in case there was an issue. I was told that she would make notes in the system regarding our conversation.   On  XXXX / XXXX / XXXX , money was deposited into my account bringing my account balance to + {$1000.00} On  XXXX / XXXX / XXXX  I contacted  the Overdraft Collections Depar tment at  XXXX  to inquire as to why I had not been credited the difference from the reduced fee. I spoke with  XXXX   XXXX , the collection s manager. I was  told that they had no record of my agreement and that they could not help me as my account was no longer over-drafted.
Consumer complaint received 2017-06-21
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXXXXXXXXXX SS # XXXX Transunion Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from XXXX which was made on XXXX XXXX2016. I checked my credit report, which I acquired from XXXX. I have contacted XXXX, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation? Thank you for your assistance in this matter,
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (AZ)

Online I went   to www.AnnualCreditReport.com to get the one free credit report per year that citizens are entitled to by law.  XXXX  provided this free report online with no problems.
MY COMPLAINT :  XXXX  and Experian both would not provide the free report ONLINE. Their websites told me I had to use snail mail to provide them with paper copies of my drivers ' license, social security card, letters showing my address, lists of past addresses, employment verification, etc. and only then would they snail mail my free credit report to me. In other words, Experian and  XXXX  put up every possible roadblock to make it difficult to obtain the one free credit report per year that citizens are entitled to by law.
MY REQUEST : Please make   XXXX   and Experian comply with the law and provide citizens with one free credit report per year ONLINE like  XXXX  does.
Thank you
Consumer complaint received 2017-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Focus Holding Company (TX)

We had a   XXXX   bill and it was paid.  XXXX  messed up the billing and somehow said we owed a amount that is not owed. We have contacted  XXXX  and have on a recorded conversation that this debt is not owed.The conversation between myself and a  XXXX  representative clearly states that a  XXXX  balance is owed. And he would get me a statement showing so.He also clearly states that the collection company needs to update it on there end. And cease with any further attempts to collect on this debt. As it is not valid.   I have spoken to focus recievable management several times including the floor supervisor. They always say this will be taken care of and they will get back to us, But then we never hear from them. They have a copy of the recorded conversation as well. And refuse to acknowledge it.This is in violation of the FDCPA especially when we have a recorded conversation stating from the original company that the debt is  XXXX .   Attached is the recording which clearly states that there is a  XXXX  balance due. I also have attached the final payment we paid to them for proof.
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY (VA)

I became aware of a credit inquiry on my  XXXX  credit record dated  XXXX   XXXX ,   XXXX   which I did not authorize. I have a fraud alert on my credit records due to previous id theft and fraud loans at Wachovia  aka Wells Fargo.  The unauthorized inquiry was  : Wells Fargo Phone Ban k ( a credit card division )   XXXX     XXXX   XXXX   XXXX , OR  XXXX   XXXX  I called the  XXXX  # associated and was transferred to  XXXX   XXXX   XXXX   ( Executive  Branch ) in  XXXX , Va. She inquired into my identity and asked if I had recently applied for a credit card. I said no. She then created fraud report  XXXX  and provided me with her phone number  XXXX ,  XXXX , &  XXXX . I have called all and gotten absolutely nowhere with regard to getting this inquiry to my credit investigated. I have been told it was an inside team member who was pre-authorizing me for a credit ca rd ( wit hout my authorization? or knowledge ? ). Forbid den, unacceptable, FRAUD! FRAUD! FRAUD! I should be monetarily compensated for damages associated with ongoing stress over the past 7 years associated  with Wells Fargos ' il legal business practices and issuance of fraudulent loan products and obviously now credit cards. They refuse to provide me copy of the credit application or any other definitive information about their unauthorized inquiry. I want to sue.
Consumer complaint received 2017-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CA)

Barclaycard 's  XXXX  card line was offered to  XXXX   XXXX  military personnel with 0 % interest and no annual fees for as long as you remained on  XXXX   XXXX . I have been a cardholder for over an year and have made this card my primary card during this period.     Since then, the company has reversed its policy twice. First they ceased to promote and offer the initial  XXXX   XXXX  military benefit under thei r Servicemember 's Civil Relief Act  policy, though not retroactively applying this reversal to current cardholders. Second, they further modified their policy to also retroactively apply all fees and interest to current cardholders as well.     While the term offers were very generous, the sudden policy change forces cardholders to either close the card account on an account with recent credit inquiry or pay a significantly greater fee than what was originally marketed.     Finally, when complaints have been made about the reversal of policy, adjudication of those complaints appears to be arbitrary, with no clear guidelines or expectations on what drives decisions to honor or revoke the original agreement.
Consumer complaint received 2017-04-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

Had a letter in the mail last year to pay my debt for midland credit they gave me  XXXX  options to pay my dept of I choose option  three monthly payments as low as {$50.00} a month and that was going to be for six  months. I did that set everything up automatically. But after that never got any letter from them with any updates or any other information. So I thought that this was going to be clear but now I 'm finding out that it 's hurting my credit and I want to clear this up. Thank you marielle ashby
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Riverwalk Financial Corporation (TX)

Hello, On or around the date of  XXXX   XXXX ,  2017 , I received a notice from my credit report monitoring company th at Deville Asset Management had  placed an account on my file with a balance of  XXXX . I have not received any documentation or debt validation from  Deville Asset Management nor have I received any phone calls stating that this debt belonged to me. I have also submitted a letter to  XXXX  to have this item removed.    I have been researching this company and I have found out that they are NOT BONDED with the State of Texas therefore they are unable   to collect on this debt. This item must be removed from my credit reports.
I also have documentation from the Secretary of State website showing this company is not bonded in the state of Texas
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (MI)

I have several credit inquires on my credit report that were not requested by myself and were given without my authorization  1.    XXXX   XXXX   XXXX  Date Filed  XX/XX/2017    Type Credit Unions 2.  XXXX  Date Filed   XXXX   Type Mortgage Reporters  3.   EQUIFAX  MORTGAGE SERVI  Date Filed  XX/XX/2017    Type Mortgage Reporters
Consumer complaint received 2017-04-25
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. (MD)

Hello I am filling complaint about certain credit inquiries I found on my account. I contacted the companies in which the inquiries were from and still nothing has happen. I also contacted the credit bureaus which also have done nothing to get the accounts removed. It has been over months and nothing has been done and I need these items removed looking forward to hearing from you all as soon as possible.
Consumer complaint received 2017-04-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (OH)

I am filling this complaint because I have submitted a modification packet since  XXXX . I was told to keep submitted additional documents to make sure my loan continues the review. However when I called Wells Fargo to get an update I was told that I have a schedule sale date for  XXXX   XXXX ,   XXXX  . I was shocked because I have never den ied Wells Fargo to  reach out to me in case anything additional was needed. I am still willing to work wi th Wells Fargo. H owever today I spoke Agent  XXXX  id #  XXXX . From the re-entry team  XXXX  stated that due to my active sale date . Wells Fargo i s refusing to review my modification packet even though it was submitted 30 days before my sale date. Therefore I had to involve my investor  XXXX   XXXX  I open a  case number-  XXXX . Due to all the fraudulent and deceptive practices  Wells Fargo is  using in order to deny me any assistance. When I spoke to my investor I was advised by Agent  XXXX  there was no respond from my lender. I have the right as a home owner to be review for a modification. I have also advis ed Wells Fargo my  husband income is enough to be provided an affordable mortgage payment. My husband and I have attended workshops for struggling home owner like ourselves and have created a stick budget to make sure we cut lots of unnecessary expenses to make sure we can present a surplus to Wells Fargo. Our intentions are to keep our house with an affordable mortgage payment.
Consumer complaint received 2017-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

In  XXXX   XXXX  I lost my  Chase Bank`s  debit card. When I noticed the lose of my debit card I checked my internet banking and there were several unauthorized transactions. I called Chase Bank immediately on  XXXX   XXXX ,  XXXX  and informed that my debit card was lost and disputed all unauthorized debit card transactions with them. Chase Bank opened a claim regarding that issue. After that they issued temporary credits. Thing that surprised me that they forgot to apply full temporary credit at the beginning for all unauthorized transactions. I called them several times and only after that they put a credit for all unauthorized transactions.   After they send me some documents which I signed and send them back.   On  XXXX   XXXX  and on  XXXX   XXXX  Chase Bank reversed back all credits and denied my claim without providing me any explanation and any proof of their investigation.   I contacted them several times and requested from them written proofs of investigation but they refused to re investigate and honor my claim without providing me any grounds and documents in regards of declining my claim. It is terrifying that on  XXXX  century is not safe to keep your money in a bank and you are not fully protected even there are some laws stating that you are not liable for any unauthorized transactions. As an example Chase Bank was not able to protect my money and did not investigate the issue to help me recover my lose.   On  XXXX / XXXX / XXXX  I am submitting official request thru Consumer Financial Protection Bureau because I want to make sure that this notice will go to the Chase Bank as I noticed that all my documents regarding my claim was disappeared and I want credit for all unauthorized transactions.     Please see attached documents supporting my claim.     P.S. On  XXXX   XXXX  I have changed my first and last name.   My old first name was  XXXX  last name was  XXXX   XXXX  new first name is  XXXX  last name is  XXXX
Consumer complaint received 2017-04-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions. (IL)

Received a l etter from FBCS Services s tating that I owed {$290.00} from   XXXX   XXXX   XXXX  . The letter states that my last payment was  XXXX / XXXX / 2013 . The information they gave me states that it was coming from  XXXX   XXXX . I contacted  XXXX  and they have no record no past due collections from me which I already suspected since, I do not go to  XXXX  for my  XXXX  providers. The collector could not give me any other information. There is no record of this bill even being on my credit report. I asked them to send me documentation but they said originally all they had was the hospital name. I believe 100 % is this a scam. This is the first letter I have ever received from them and I do not owe nothing.
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XXXX   XXXX   XXXX  Deliberately Robed me  XXXX  Dollars and i cant get verified  two  open a  New  Bank account in 3 years. Now All Credit Card Applications Denied I sent the Credit Burrow  XXXX  homes of ID  XXXX  Times and Usually no response or they Send a Credit report has nothing  two  do with why all Applications are Denied Why Cant i respond two  XXXX  I cant Get a New Bank account in 3 years and the Credit burrow only Respond yo u may ha ve been a victim Of Fraud.
Consumer complaint received 2017-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

There is a paid judgment of my credit report in the amount of {$1200.00} da ted  X/14 . I ha ve mailed copies to all  XXXX  credit bureaus ( Equifax,  XXXX  and  XXXX   ) s howing proof that I won this case back in    2014 I beli eve. They only show it being paid and have not removed from my report. It clearly states in the final judgement  " Counter Claim Offset '' so Im not su re why this is listed on my credit report and I would like this information to be removed because it is affecting my credit score although is paid.
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX   XXXX   XXXX  is reporting that payments of {$320.00} on the months of  XXXX ,  XXXX ,  XXXX , and  XXXX  all as being 30 day late.   A formal debt validation request was sent out to  XXXX   XXXX   XXXX  on the dates of  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX , and  XXXX / XXXX / XXXX  with no response.   Calls were also made in  XXXX  of  XXXX  but I was told that they though they could see that the payments at that point were indeed not 30 days late there was nothing that they could do to help and that I would need to go through some other means to get the report removed from my credit report but could not give me the information on what that would be.
Consumer complaint received 2017-06-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelson Cruz & Associates LLC (VA)

On XXXX/XXXX/XXXX, I received a physical letter, dated XXXX/XXXX/XXXX, via USPS notifying me that I owe {$990.00} to " Nelson, Cruz & Associates '' for an outstanding balance unpaid to " XXXX XXXX XXXX ''. They requested I remit the total balance owed via a bank wire to XXXX XXXX XXXX or by check to " XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX ''. I spoke to XXXX XXXX and someone named XXXX from Nelson, Cruz and Associates. XXXX claimed the original debt dated XXXX/XXXX/XXXX was sold to them in XXXX by XXXX and then mentioned it was somehow related to a XXXX through XXXX XXXX. He also refused to give me any contact information for XXXX. After this refusal, he mentioned I could clear my debt today by paying only {$500.00} as a settlement and then asked if I would commit to paying it today. This was very suspicious to me, so I did my own internet search and contacted XXXX immediately and they had no record of my social, account or name. The XXXX rep informed me that they do NOT outsource their collections, but instead have a collections department in house and also mentioned it was strange that the XXXX account number was not referenced in the collection. XXXX recommended that I report this incident to the Credit Bureau, Attorney General and BBB, which I plan to do immediately. After much strife, I did another search for Nelson, Cruz and associates and it appears I am not the first they have attempted to scam. I am attaching the scam letter from Nelson, Cruz & Associates to warn everyone to how bold these scammers have become. Apparently we have to beware of not only phone scams, but also mail scams.