davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX Report Number # XXXX XX/XX/XXXX XXXX XXXX  collection account added in XXXX report, Credit score dipped by XXXX points XX/XX/2023 : Raised dispute to XXXX XX/XX/2023 : Got response from XXXX without any details XX/XX/2023 : Decline new credit card due to derogatory comments I am writing to dispute against credit score impact ( related complains XXXX and XXXX ) due to collection account listed on my credit report under XXXX  account # XXXX, reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The original creditor for this account is a medical providerXXXX XXXX XXXX XXXX XXXX XXXX XXXX, and the account is related to in-home medical services rendered. I am disputing this debt for the multiple reasons, against unfair practices, unequal treatment and unclear policies. 
Lack of Communication : I havent received any written communication either from original creditor XXXX  and collection company XXXX XXXX XXXXXXXX XXXX XXXX  ) regarding accounts being transferred or sent for collection. Dispute was raised through XXXX, have XXXX verified if XXXX have followed all the procedure as per Fair Debt Collection Practices Act ( FDCPA ). Can XXXX have proof of any mail correspondence from XXXX to me for this account. 
Lack of Validation : I have not received adequate validation of this debt and proof of services as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). I havent received any details from XXXX against dispute filed against this account, what all aspect XXXX have validated before account was added to credit report and during dispute resolution. 
Lack of Customer focus and voice : Being customer to XXXX and exceptional credit history then why credit bureaus dont have pro-active policy to re-check facts before adding collection account and credit impact. If a customer has raised a dispute, then why XXXX dont have additional safety for customer to first investigate and not to let such account impact credit score.

Clarity on Credit score : How credit score is calculated, what is weightage of third-party medical debt and why a collection account has too much impacted-on credit score while 30+ other accounts are 100 % in good standing?
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

I haven't given any permission to the consumer reporting agencies of any bankruptcy on my report from XXXX, Equifax, XXXX etc... .I am requesting for deletion from credit report. '' According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and Equifax are consumer reporting agencies and I am the Consumer.I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Comgress that each financial institution has an affirmative and continuing obligation to respect privacy of its customers and to protect the security and confidentiality if those customers ' nonpublic personal information.
Consumer complaint received 2023-12-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (PA)

I'm writing this letter to inform you had bad faith, unfair, poor service from Wells Fargo credit Card Dept please do whatever is necessary to address this problem as soon as possible I have a reward balance of {$330.00} in my reward account No # XXXX and they closed my credit card and my reward account before issuing my reward or letting me redeem it, I contacted the Credit card dept many time, after putting me on hold for over 50 minutes every time, just disconnected and had to call back,
Consumer complaint received 2023-12-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (SC)

Around the end of XX/XX/XXXX I received several emails from what Appeared to be chase bank regarding an approval of a freedom card. I asked my wife if she applied for this card. Her answer was no. I also asked one of my children if they applied for a card in my name their answer was also no. I deleted two emails thinking they were spam. In late XXXX, I received a credit card freedom credit card from chase bank, and proceeded to find out who did applied for this card. I called Chase and each credit bureau. Our identity was stolen a few years back and its not something I take lightly. I may be highly suspicious but my gut feeling is Chase purposely sent me this card. Appears that my credit agencies decreased my credit rating because of this issue
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Finance Company, LLC (TX)

This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX XXXX  per violation and clearly they violated my rights.
Consumer complaint received 2023-12-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (TN)

Hello there my name is XXXX XXXX XXXX XXXX I am filing this complaint regarding company Cain and Weiner partial account number # XXXX XXXX. I was made aware of this negative collection account through XXXX credit bureau in which I am enrolled in fraud detection I spoke with two Representatives XXXX also XXXX of XXXX credit bureau for Department I was also enrolled at the time of this listing I have never heard of this company ( Cane and Weiner ) I have made numerous disputes with the debt collector as well as XXXX. Please be advised that I was referred to the CFPB by the XXXX credit bureau fraud department this negative collection account has put me in extreme hardships as it is reported to all three credit bureaus about this negative account that was illegally without my consent. I am also including a screenshot of my credit report showing this account. I have also contacted the debt collector they have no record of me on file yet it is on all three of my credit reports affecting me in a major way I need this account removed permanently please my rights were violated as a consumer. The amount of the collection is {$180.00} the date of this wrongful collection account was reported on my credit XX/XX/2020 State before I was made aware of this fraudulent negative account by XXXX representative XXXX of the fraud department
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I started and paid for my quote with XXXX in XXXX for my policy to start in XXXX. My final month with XXXX was in XXXX because they tried increasing my insurance from {$230.00} to almost {$370.00} a month. I advised XXXX XXXX when making the payment that XXXX would be my final month and I have already started service for XXXX with XXXX. I do not owe XXXX XXXX a dime and the collection needs to be REMOVED from my credit file indefinitely! These practices are unethical and it is wrong to charge someone for services they canceled and paid their final charges. Please remove this account from my credit report! This is my credit and my life that is being sabotaged! I DO NOT OWE XXXX XXXX A DIME!
Consumer complaint received 2023-12-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AMERICAN EXPRESS COMPANY (GA)

Creditor was AMEX. Account was closed around XXXX. While Account was on a forbearance during Covid Lock down Amex reported negatively to credit bureaus, attempted collections while in forbearance before payments were due. Balance reported was much higher than actual balance and could not provide accounting for alleged balance. Almost XXXX  years after Account was closed I recieved a lawsuite without any notification to question validity of debt and accounting. Lawsuite was dismissed in my favor. Then Amex began to play games reporting false balance owed, and reporting late payments of XXXX  months and more, as if Account was open. I filed a dispute. They changed status to charge off, but continue to file every month on this closed and lawfully dismissed Account. I am wanting all late payments reported removed from time of account closure.
Consumer complaint received 2015-07-22
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

In XXXX I applied for a HARP loan through my lender, Bank of America. During the application I disclosed that I had a bankruptcy which was discharged. In the bankruptcy process I was unaware of a choice of reaffirming or not reaffirming my mortgage, even tho I did not include the mortgage in the bankruptcy. I advised the loan officer that no form existed and that I had first hand knowledge that some HARP loans get underwritten and closed even tho no reaffirmation form exists when the debtor has paid as agreed. The application went through processing. I was then denied based on the lack of the reaffirmation form. No exception could be made. 
I APPLIED FOR THE HARP LOAN TO REDUCE MY MONTHLY MORTGAGE PAYMENT. 
I WOULD NOT QUALIFY FOR A CONVENTIONAL LOAN BECAUSE I AM RETIRED, Yes retired from BANK OF AMERICA XXXX. 
I am writing because the HARP LOAN was designed to help people in my situation. 
I am asking for some intervention so that I can succeed at reducing my mortgage payment so that I can stay in my home that I built ( much of my own sweat ) many years ago.
Consumer complaint received 2023-12-03
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Personal Cash Loans of SC, Inc. (GA)

XXXX XXXX - XXXX ( GA, who apparently is a subsidiary of or owned by Kinsmith Finance... 

XXXX XXXX calls me and texts me with harassing or threatening calls XXXX to XXXX  times a day. They also took the people/phone numbers i listed as references and call those people ( my XXXX, XXXX friends, and my boss ) XXXX to XXXX  times every day. 
All of us have told XXXX XXXX and XXXX at XXXX XXXX ( XXXX # XXXX ) to stop calling and stop threatening and harassing us via phone or other electronic means and they refuse to stop. They call me and my listed 'references ' every day from both the company phone and use their personal cell phones as well to disguse who is calling. 
This company and its employees have laughed at my request for them to stop calling and told me they will not stop. I have screen shots of all the recent calls and texts that I can hopefully attach to this. 
I have made my payments I owed and altho my currecnt payment is late, I have told them the date I will be there to make the payment, and requested they stop calling, and they laugh at me via text/phone and threaten to, and DO, continue calling every day. 
XXXX XXXX has now gotten me in trouble at work because they asked for my bosses number on the loan application. But they use his number to call my boss and harass HIM about my loan. It's scary and disrepectful and sad that these people would go so far as to possibly get me fired from my job over a {$400.00} loan. Of which Ive already paid back {$400.00} and now owe 100 % of that again in interest because these people are loan shark criminals. 
Attached is a couple screenshots of both their company number and an employees personal cell number being used to call me and my wife over just the last week or so. Dozens of calls. Also attached is some threatening texts they've sent me. 
The texts are ALL from XXXX and XXXX XXXX XXXX XXXX XXXX and employee ) because their is no legal method through their business for them to text me. So they illegally harass me via their personal phones. That's why the numbers are different from the business. But rest assured it is obviously them harassing me. They texted a picture of the loan papers so I can use that as proof.
Consumer complaint received 2023-12-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp. (OR)

This is XXXX years ago and after spending a ridiculous number of hours calling and talking to countless people including the fraud department i just got a letter from a debt collector over {$45.00}. I gave a tenant renting a room an eviction notice to leave in a week. A day or two later she called XXXX and said her name was XXXX  XXXX and that she was my wife XXXX Ive never been married ) they allowed her to set a XXXX or XXXX digit passcode blocking me from my own account. She was an authorized user on the account but not under the name XXXX  XXXX. Her and her boyfriend orders all kinds of XXXX and other XXXX  shows to XXXX XXXX my account being suspended. Thats when I contacted them and they wouldnt even discuss my account under my social with me. After days of calling they finally listened to what happened and they are the ones who told me about the phone call they got from my wife when she moved she took the XXXX receiver she had in her room I returned all others that were on the account. I thought this was all taken care of between me and them XXXX years ago. Like I told them I dont think I should be responsible for this they should not have allowed her to take over my account without verify any info or taking to me the account holder. That should never have happened
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (MD)

This private student loan was opened in XXXX and I renewed an in-school, active student deferment/forbearance form every year as required by Wells Fargo, signed and certified by my school 's official. I called every time to request the form to be emailed to me, then sent the form back and followed up in a week or so to ensure it was received. My forbearance form in XXXX was no different ; I called to ensure it was received, and the XXXX  representative stated it had been applied as requested and would be good for another academic year. I thanked them. A few months later, I noticed on my credit report XXXX late payments, significantly dropping my credit score. I was shocked and called Wells Fargo. They stated they would apply the in-school deferment and did so starting XX/XX/XXXX, but never removed the incorrectly reported late payments from XXXX and XX/XX/XXXX. I also never received mail, e-mail, or phone calls telling me I had a payment due. I have repeatedly attempted to contact Wells Fargo to no avail ; calls were escalated, I would wait on hold for hours, and eventually be told that it was a specialized department and someone would have to call me back. I never received a call back. In XX/XX/XXXX, the loan was sold to another servicer and there is apparently no one at Wells Fargo I can speak to any longer. This is extremely frustrating and simply wrong.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MI)

XX/XX/2023 I disputed inaccurate information on my consumer report though equifax about XXXX credit bureau. XXXX fail to provide notice of dispute a violation of 623 a 3 FCRA.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Consumer Adjustment Company Incorporated (CA)

Old XXXX XXXX  credit card, a limit of XXXX and it was misused by XXXX so I closed the account voluntary and it will not remove intentionally from XXXX in an attempt to get me to purchase their monitoring services. I dispute the items along with cred adj company a third party I never conducted business with.in which it is fraud and violates fair credit rep
Consumer complaint received 2023-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC. (NM)

I received an email from I received an email from Citizens Bank on XX/XX/23 stating that my real estate taxes to XXXX XXXX XXXX were paid from my escrow account. The email stated that the transaction was processed on XX/XX/23 in the amount of {$1800.00}. 

After researching why the taxes were still showing due, I located on my Citizens Bank online account the address to where the payment of taxes was sent. The address that Citizens Bank sent my tax payment is incorrect. Specifically, the zip code is incorrect. 

I subsequently contacted the mortgage department at Citizens Bank that XXXX  real estate tax payments. I explained to them the error and I was advised that they would research the matter and that I should check back on XX/XX/XXXX for an update. The representative went on to say that I could also make the payment myself. I was flabbergasted with this advice as I have my taxes paid through escrow. This basically would mean XXXX paying twice because of Citizens error. 

In addition, the tax bill from XXXX XXXX XXXX is sent out by XX/XX/XXXX and due on XX/XX/XXXX. I also mentioned this to the representative and I was told that this is common practice. Ive had many mortgages with major banks such as XXXX XXXX XXXX and XXXX, and they always paid my taxes when they were due, and not after the due date. Therefore, I doubt that this is common practice and I question the legality of this practice by Citizens. 

As of this writing, my taxes with XXXX XXXX XXXX are still showing due. Im requesting that the following be done by Citizens : 1. Correct the zip code error and reissue tax payment forthwith as taxes will be delinquent on XX/XX/XXXX. 

XXXX. Allow me in the future to pay the real estate taxes myself and not have them escrowed. And adjust my mortgage payment to reflect not having taxes escrowed.
Consumer complaint received 2023-12-03
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (TX)

My Dell Financial account was transferred to : Comenity Capital Bank XX/XX/XXXX without my knowledge. 

On XX/XX/XXXX, I received my first letter from Comenity XXXX XXXX  advising that I was past due but I do not agree, as my account was setup on automatic payments for the past 11 years, and I have the complete ability to pay, with no financial issues. My automatic payments were cancelled without my knowledge and consent. 

I had no way to protect my credit account due to no phone calls made at all. 

The CFPB, FDCPA, and typically company policy requires at least one collections attempt per 30 days and I have not received ANY collections calls or STATEMENTS in the last two months, or demand for payment. 

When I called and spoke to an agent on XX/XX/XXXX, I was not read any collection XXXX rights and I was not told it was XXXX until I asked specifically. 

The agent agreed to waive my late fees due to the issue but would not review my credit report harm, which I was told they will be reporting me as 60 days past due. 

Please review to remove all credit marks and late fees. Please remove all additional accrued interest as I would not have been charged extra interest had the company not cancelled my auto payments.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-12-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. ()

My Godfather before he passed away told me that I would be beneficiary of a banking product outside his XXXX. 
He died of a XXXX XXXX and he couldn't give me any documents where I appear as a beneficiary. 
I contacted with his Financial Advisor and he told me that the bank could'nt give me any information because I am not a signer or owner of an account. 
But I told him that I am beneficiary of a banking product outside the XXXX and the XXXX XXXX requested me for the XXXX document. 
My attorney reclaimed in many times to the bank and finally the bank sent a letter where says that there are still XXXX accounts in my Godfather 's name ( after the XXXX ). 
My attorney called to the central of this bank and someone confirmed to her that my Godfather is in the bank with the same S.S.N. but with two different names.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Dear Equifax I see that you verified the account listed below : XXXX | XX/XX/2023 : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day
Consumer complaint received 2023-12-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Credit Karma (AZ)

For almost 6 days been trying to get XXXX money from VA TREASURY thru my credit karma account ive allways had and they refuse to acknowledge any funds in the accound and that my trace ID # is too long over 15 digits and no info on my old account and why it isnt in the new account or why i cant get an answer from using my trace id to loacate funds