davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-20
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Account Discovery Systems, LLC (CT)

A message was left on my grandmother 's voicemail asking me to call today. No information was given over the voicemail about what debt it was rather the caller, XXXX XXXX, stated that a creditor wanted to receive information about my income and assets and wanted to contact me first before she calls my employer. 

I received a text from a relative the next day ( third party ) stating XXXX said to contact her TODAY or else she would be calling my employer. Contacting a third party regarding a debt and making threats is unethical for I don't speak to this relative but twice a year. 

I can send both voicemail recordings to you if you would like to listen.
Consumer complaint received 2018-02-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (CO)

I have an outstanding credit card debt with wells fargo ( XXXX ), and I am trying to settle ( dont have enough, nor foresee a point that I will have enough, to pay the debt in full ). I have had this debt since XX/XX/2016. 

Wells Fargo refuses to negotiate settlement terms ( must pay 60 % ). Other banks negotiate these terms, or at least offer less than 60 %. 

The degree to which settling the debt will impact my credit score is significant, such that 60 % is not worth the settlement. However, there is no way I could pay the full amount. 

The credit card ( XXXX $ limit ) was issued when I was XXXX, had no job, and was paying for college ( through wells fargo loans ). 

I feel their tactics in getting me hooked ( and forever in debt ) are predatory. I am trying to get myself on my feet again, and there is no help from wells fargo.
Consumer complaint received 2018-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

Capital one credit card keeps sending me cards I did not open or want or agree to and theyre showing up on my report like I opened these accounts these cards need deposits to open so therefore I did not agree to them so I do not think its fair that it showing up on my report it looks bad on reports and hurts my score please help I have never use them or agreed to account to be opened especially when you need a {$200.00} deposit to open So therefore I declined and it still showed up that I open the account but as you can see I never used it so it should not be on my report
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against [ Transunion ] regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On [ XX/XX/year> ], I discovered discrepancies in the following account ( s ) : 1 * Account Name : [ XXXX  XXXX XXXX ] * Account Number : [ XXXX ] * Disputed Information : [ High Credit, Last Date Reported, Date last Active ] 2* Account Name : [ XXXX XXXX ] * Account Number : [ XXXX ] *Disputed Information : [ Last Date Reported, Date last Active, Date Last Payment ] XXXX Name : [ XXXX  XXXX ] *Account Number : [ XXXX ] *Disputed Information : [ High Credit, Date Last Active, Date of Last Payment ] 4*Account Name [ XXXX ] *Account Number [ XXXX ] *Dispute Information : [ Account #, Last Reported, Date Last Active ] 5*Account Name [ XXXX XXXX *Account Number [ XXXX ] *Dispute Information [ Account #, Last Reported , Date last Active ] 6*Account Name [ XXXX XXXX  ] *Account Number [ XXXX ] *Dispute Information [ High Credit, Date Last Active, Date of Last Payment ] 7*Account Name [ XXXX XXXX ] *Account Number [ XXXX ] *Dispute Information [ Last Reported, Date Last Active, Date Last Payment ] Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Consumer complaint received 2018-07-20
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: On-Site Manager, Inc. (TX)

Leasing Desk is incorrectly report data provided by XXXX that is incorrect. It has that I have rental debt from Oregon in which I haven't lived. I have resided at XXXX XXXX XXXX, XXXX Texas XXXX for 3 1/2 years. Yet they are reporting rental debt for 8 months ago. In which I was living in texas. My husband is XXXX at XXXX XXXX, Texas and has been there for 3 years. I also have proof
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2018-07-20
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: EQUIFAX, INC. (PA)

I contacted all credit bureaus about fraud done on my account and they all corrected it except for Equifax. EQUIFAX recieved police report back in XXXX and dispute letters copy of my I'd and a bill. There are fraudulent accounts on my equifax report flex shopper, medical collections, and university of XXXX which is a collection. They are not mines I've been contacting equifax since XXXX of this year the companys have shown exquifax proof and equifax doesnt want to show me proof.
Consumer complaint received 2018-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

The complaint is with Capital One. I have had this account for 17 years. I was a XXXX XXXX before I retired 5 years ago. I am XXXX XXXX XXXX. I was going out of town for 10 days in may and before i left I made my credit card payment. I made a mistake and paid them {$100.00} instead of the {$200.00} that I have been paying. They notified me about on the around the XXXX or XXXX of XXXX and paid them another {$100.00}. The next thing I knew my interest rate went from 6.5 % to 24.65 % and a late fee of {$39.00}. They also told me that I was late on my payment in XXXX of 2017. I had made a payment on the XXXX of XXXX and one on the XXXX of XXXX and they posted both in the month of XXXX and then said I did not make the XXXX payment. I learned not to make two payments in the same month. I also made a {$11000.00} payment the first part of XXXX because I received a large check from one of my customers. I deposited thie check and all was well, I thought. After 6 or 7 days my bank notified me that that large check had been returned unpaid. Therefore Capital one 's payment of {$11000.00} was returned unpaid. I immediately made my {$200.00} payment to Capital one, but they showed a returned payment that went against me. My interest has gone from $ XXXX {$65.00} a month to {$240.00} and more per month. I have written letters to them and the only thing they have said id that if I make my payments for 12 months then they will review my account and make a decision about lowering the interest rate and reversing the late charge. I have even written to the CEO, Mr XXXX XXXX XXXX and have not received a response. I am on social security and can not pay this amount of interest. Thank you for your help.
Consumer complaint received 2018-07-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

XX/XX/18 XXXX Started email with XXXX XXXX @ XXXX regarding buying " XXXX ''. 
XX/XX/18 XXXX Asked if still available and is XXXX  okay for payment. 
XX/XX/18 XXXX Responded to send payment to XXXX as friends and family screenshot when done and provide me your email to forward bot. 
XX/XX/18 XXXX Informed XXXX XXXX that payment was sent by XXXX via my BOA bank account by my email : XXXX. 
XX/XX/18 XXXX XXXX XXXX responded payment is on hold and asked if it could be refunded and resent via XXXX XXXX 
XX/XX/18 XXXX XXXX XXXX responded to send payment to XXXX. 
XX/XX/18 XXXX XXXX XXXX responded with different email of XXXX XX/XX/18 XXXX Told XXXX XXXX I sent money to the first email address and asked if I was going to get it back from that one. 
XX/XX/18 XXXX XXXX XXXX responded " you cancel it bro ''. 
XX/XX/18 XXXX Told XXXX XXXX I sent the money to XXXX on the first gmail. 
XX/XX/18 XXXX XXXX XXXX responded " can you cancel it? '' XX/XX/18 XXXX XXXX XXXX responded send it to XXXX. 
XX/XX/XXXX XXXX Told XXXX XXXX to let me know when XXXX is sent. 
XXXX Told XXXX XXXX to send the product or I would call the bank to obtain a refund. NO RESPONSE!!! 
XX/XX/18 - Called BOA to follow up on claim regarding scammer using XXXX on XXXX {$400.00} and XXXX {$400.00}. Both claims were closed because I had authorized the payments. XXXX reimbursed the first {$400.00}. BOA was not concerned that I had been scammed by XXXX and refused to reimburse the other {$400.00}.
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

i have sent trans union numerous of disputes about an inquiry XXXX XXXX XXXX XX/XX/2017 and after all these letters I have sent they have still refused to removed the inaccurate inquiry off my credit report. Trans union has continue to violate fcra and I want to seek damages and cost for that violations. I ask that your company file complaint and seek to mitigate my damages ... I want trans union to send me copies of said inquiry with my signature and authorization and if they can not please remove it from my report.
Consumer complaint received 2018-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I telephone XXXX XXXX and asked an attorney to review my reconveyances and why am I still paying on a loan. They reviewed the documents and stated the property is clear no outstanding loan pending. 
On XX/XX/XXXX I wrote to Select Portfolio Servicing , Inc . 
XXXX  XXXX XXXX, XXXX XXXX XXXX, UT XXXX requesting reconciling my accounts they are servicing because the attach reconveyances are Full Reconveyances and there is no pending loan on my property. They denied this and provided documents of a loan number that is not mine. 
I contacted XXXX XXXX again and they informed them of their status and XXXX XXXX sent them a letter to cease and discease colletion. XX/XX/XXXX they are still sending payment coupons ( upon which I have allowed my payment to laspe one month until this is cleared ). Present mortgage payment are XXXX {$490.00} and XXXX XXXX. 
XXXX I paid an real estate attorney {$5000.00} to help in my not owing anything on the property without success. I was referred by XXXX XXXX to another attorney this year XXXX and brought my payment which he returned because he said he could not help me. I was referred to a third attorney for him to file for a clear title but he stated I need to provide him proof by bank statement ( XXXX XXXX XXXX, XXXX ) or check showing I paid the amount. I have letters from XXXX indicating thank you for paying off your home loan. I visited XXXX Bank and requested that they provide me with XXXX statement but they indicated they were not able to provide this because bank records are destroyed in seven years.

I receive advertisement from financial institutions ( 2 ) this year ( XXXX ) indicating they are able to refinance my loan with XXXX of {$240000.00} and {$45000.00}. I call them back and advised that this loan has been paid and I do not want to see your name on my credit report. I asked how did you get this information and response was this is in your history on this property. 
I went to XXXX XXXX XXXX County Registrar Recorder office and this is in my history under account numbers I never saw. 
I reviewed my paperwork and found that XXXX transferred my loan for servicing to XXXX XXXX XXXX who had the account numbers on their first letter for payment under their company and during their servicing my loan they changed the number and never cleared the number of the loan. XX/XX/XXXX I wrote XXXX requesting them to clear this erroneous information from my property and the letter returned undeliverable. 
XX/XX/XXXX I need help in obtain the XXXX statement showing my payment of this property which then the 3rd attorney will take my case.
Consumer complaint received 2018-07-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

I called Navient to request income drive repayments or other options for my private loan due to me being in school again and having low monthly income and they offered me a 'Special Program ' loan repayment, which would be considered under forbearance for that option as they stated that was the ONLY option for me for making payments of {$250.00} per month. When that loan repayment option expired for me at 6 months, they canceled my automatic payments and then when I called them to request my options, they stated that there was a new forbearance option for me to pick with a one-time {$100.00} payment over 3-months but that I only had 5 months of forbearance. They never gave me that option at the beginning of the initial 7 months of my forbearance, yet I did my due diligence while struggling to pay {$250.00} per month for the initial 6-months of my forbearance, which they gave me as the ONLY option. When I asked why did they do this, the representative & the manager from their collections department stated that " We don't have to give you or mention any other options to you, even if you ask. We don't even have to give you any income-driven repayment options or provide you any other forbearance options in what we tell you. '' The manager then gave me an option of doing an interest-only payment option of {$350.00} per month over 6-months which would NOT be considered under forbearance as she stated, which I agreed in order to not use the remaining of my forbearance of 5 months I had left as that manager stated. When I got off the phone with that manager and went through the phone system agreement and back to the regular representative, that representative stated to me that actually those interest-only payments over those months would be considered forbearance for me, which I had already agreed to supposedly. I was extremely frustrated and felt manipulated as a consumer trying to just pay my loan responsibility. I felt Navient failed to treat me respectfully or with any understanding. They only confused me and failed to take any consideration of my financial situation, which I felt they did not care at all throughout this whole situation.
Consumer complaint received 2018-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America falsely reported bad credit to the credit bureaus and closed my account, which I have had with them since 2002. I am living overseas at the moment, so I do not use the card frequently. Then all of a sudden, I got an alert that I had a {$50.00} unpaid bill from Bank of America and that they had reported delinquent credit two months in a row. This was unbelievable to me, since I had not used the card. But I paid it anyway, just to get them to stop reporting my credit. But then they closed my account, after 16 years of being an excellent customer.

I spoke to XXXX XXXX today, a supervisor in their customer service department. But he refused to help and yelled at me.
Consumer complaint received 2018-07-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK (MO)

I have been working to obtain a home equity loan with Discover Home Equity since late XXXX of this year. The process has been horrible from the start, but what really tipped the scales was on XX/XX/XXXX. I received an email from the " loan processor '' XXXX XXXX NMLS ID XXXX. In and of itself this was not unusual, but when I read the email I found that it had a salutation to a " Ms. XXXX '' and included creditors and debt amounts that were not mine. I quickly 'replied all ' and advised that the information was not mine, but was never acknowledged. 

Emails go unanswered, voicemails go unreturned ... 

I DID call in today and advise Discover to cancel/withdraw my application due to their unprofessionalism and inability to secure financial information.
Consumer complaint received 2018-07-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fountain, Schultz & Associates, P.L. (FL)

I supposedly owe past dues fees ( {$4700.00} ) to XXXX XXXX XXXX here in XXXX, FL. I have been working with a collection agency located in XXXX, FL, for at least one year and making my payments every month as agreed. I recently received a letter dated XX/XX/2018, from Fountain Schultz & Associates located in XXXX, FL, trying to collect my supposedly past due fees as well. They are requesting {$5400.00}, from me by XX/XX/2018. I am reporting this complaint because both the collection agency and the law firm of Fountain Schultz & Associates can not collect on the same bill simultaneously.
Consumer complaint received 2018-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (NC)

XXXX XXXX XXXX Fraud dispute information I noticed on my credit card online statement that a charge was put through that I did not put authorize. I called the bank immediately and told them that this was not my charge and this was a fraudulent charge. According to my direction the bank shut down that card and sent me a new one and informed me that they were filing a dispute and for me to look for documents in the mail from them in 7 to 10 days. When the documents never came in the mail I called them and was told that they didnt send out the dispute forms till the XX/XX/XXXX. This didnt sound right to me because I originally called them on the XX/XX/XXXX the same day the fraudulent charge appeared. I waited the 10 days and never received any documentation from them at this time. I was approximately 3 weeks out from the original call and still getting nowhere. I did have frequent conversations with the card company during this whole time. I called the direct line for the dispute department XX/XX/XXXX at that time and they told me there was no record of any dispute being filed. I was surprised to hear this because I had been on the phone many times with the credit card company over this and all the while they would assure me that they were taking care of this for me. No resolution so far and there is still a {$9200.00} charge on my credit card that I didnt put on the card. The lady from the dispute department that I called today XX/XX/XXXX assured me that she would file the dispute and that I should get a letter in 7-10 days. I have lost faith in this company because I have gotten the run around so many times. Here is a listing of the fraudulent charge and the dates and times spent on the phone with the credit card company ( enclosed document ). My credit rating was up around 800 before this happened and it took many years to get it to that level, now to be blown away by something I didnt do and a company that didnt seem to care about filing the paperwork or doing their job.
Consumer complaint received 2018-07-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

We received a letter from Wells Fargo stating that they will be closing our business checking account that has been open and active since XX/XX/2002. The account funded an initial investment to a reputable developer as a partner and is currently receiving distributions from the net rental proceeds on a monthly basis. We do not deposit any large amounts of cash to this account. We have never written any bad checks from this account or any of our accounts. The Wells Fargo letter states that the pending closure is a " business decision ''. There is no risk associated with this account and any claim that this account is a risk would be a false assessment. We feel that Wells Fargo is simply claiming a " risk '' out of thin air and closing accounts to simply satisfy and counter their recent shady activity of opening unauthorized accounts.