davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: HW Holding, Inc (KY)

I was contacted by Hunter Warfield for the first time on XXXX XXXX, 2016 in regards to a debt they say I owe. I am disputing this debt and sent two letters, one on XXXX XXXX and the second letter on XXXX XXXX, requesting information regarding this debt I do not believe that I owe. The second letter also included a request to cease all phone communication and only contact me via mail. I sent both these letters via certified mail, so I do know that Hunter Warfield received both letters. I was called on XXXX XXXX AND again on XXXX XXXX, asking why I have not paid my debt AFTER requesting that all phone communication cease.
Consumer complaint received 2017-02-06
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (CA)

I have an account with Wellsfargo and I was charged an overdraft fee of {$35.00}. 
First all of my bank accounts have a savings connected to it for overdraft protection, which the representative claims was not active. I check my balance DAILY and on the XXXX, XXXX and XXXX I did not show a negative balance of any. 
Suddenly XXXX XXXX I get an email stating I am being charged {$35.00} for an overdraft fee. As I am going through the postings.. .transaction that showed pending XXXX the XXXX were suddenly showing posted as of XXXX the XXXX. I want this overdraft reversed as it is completely wrongly charged.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2023-07-13
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a Bank of America Visa XXXX card and on XX/XX/2023, I instigated a transfer to my checking account at XXXX XXXX XXXX XXXX of {$5000.00} On XX/XX/XXXX, Technicolor received a Prenotification from Bank of America that the {$5000.00} was coming in. However, it never arrived. The transaction number for the {$5000.00} deposit is XXXX. I immediately contacted Bank of America and filed a complaint, # XXXX but I received a letter from them on XX/XX/XXXX, that my claim was denied because no error occurred. I then requested the documentation from the transfer. On XX/XX/XXXX, I requested their documentation of the transfer which didn't come. On XX/XX/XXXX, I received another letter from Bank of America stating " here 's a copy of the documentation that we relied on to make our decision. Once again, no documentation. I called Bank of America XXXXs Help Desk so many times, but finally a person gave me a transaction number of XXXX, which I gave to XXXX to check out. XXXX accounting department couldn't make use of the number? On XX/XX/XXXX, I received another letter from Bank of America stating my claim will remain denied. After another post card to Bank of America, I received another transaction number Trace ID XXXX which was no helpful. After another call to Bank of America, I was told I needed to file a Police Report. I went to the XXXX XXXX XXXX XXXX in XXXX, Ca, and met with XXXX XXXX XXXX XXXX. The Police Report ID is XXXX. On XX/XX/XXXX, I received another " form '' letter from Bank of America, sending me the same information they had sent before. I pray you can help me recover this life-changing money!!
Consumer complaint received 2023-07-13
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. (TX)

I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay. Please thoroughly investigate this matter and promptly rectify this error by removing the unauthorized inquiry from my credit report. Your urgent attention to this issue is highly appreciated.
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

on XX/XX/2023 i deposited a check into my account from a customer/associate for a car that he purchased from me.the BOA put a 7 day hold on the check the funds were collected from the other party account the next day! 5 days into the check being held on my account i was informed that BOA was closing my account due to me depositing a counterfeit check .upon talking to BOA XXXX informed them that the check was a real check and provided them information to get in contact with the maker they gave me a XXXX business day period to let me know what the out come will be i also provided BOA with a notarized letter from the maker of the check. so now BOA has not released my funds they are saying my account is going threw a closer process i informed them that i want my account closed now! i asked if the funds can be returned to the organs or where they came from BOA has not given me any answers and they still have the money all i ask for the, to do is return the money or give me access to my account the amount is XXXX $ $
Consumer complaint received 2017-02-22
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: NETWORK CAPITAL FUNDING CORP (FL)

I receive a notice that my credit was pulled by Network Capital today through Equifax Mortgage. I did not authorize Network Capital to pull my credit. I applied for a loan with them and they told me that they could net help me. I applied with another company and I am closing on my loan in a week. They pulled my credit report on XX/XX/2017 without my authorization and brought my score down by XXXX points. I already contacted XXXX because I have an active fraud alert. Please enforce and stop that company from pulling people 's credit report without their authorization. I read online that they are a repeat offender. I did not authorize and will never authorize them to pull my report. Never.
Consumer complaint received 2016-04-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (OH)

I open an account with US Bank XXXX 2016 they were offer an {$100.00} reward if you open an account have a direct depost they will give you {$50.00} and the other {$50.00} you will get once you pay a bill ..I set up direct deposit .. did not get the {$50.00} I paid a bill did not get that one either. So in XX/XX/XXXX my account became over draft and i do have that protection they charge me {$36.00} twice and then turn around and charge me {$25.00} twice so i call to see if we could resolve this and they told me that i have another {$25.00} dollars that will be charge on Monday I said I have my SSI check coming on XX/XX/XXXX in all I think that i have paid {$140.00}. dollars in over draft fees
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-04-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

First National Bank took over Metro Bank. Due to the level of customer service I received, I made the decision to close my account. Prior to closing my account a recurring payment caused my account to be overdrawn, to which I was charged substantial fees. I went to the bank in person on XXXX XXXX, 2016 and closed the account. The account was brought to a zero balance. Without my knowledge or consent, on XXXX XXXX, 2016, the account was reopened due to a recurring payment of XXXX. Now, as of XXXX XXXX, 2016, my account has a negative balance of {$68.00} due to overdraft fees, many of which are being charged every three days. I was not made aware that this would happen nor that they even reopened my account, so how would I have known that I was even overdrawn and that fees were being applied? This is unfair and deceptive to myself and other consumers. I called to speak with a manager located at the XXXX XXXX branch in XXXX, PA, who was very snippy with me even when I said that I would be filing a complaint with the CFPB ; her response was " If you feel the need to do so, go ahead. '' It is important to note that when the account was closed, I was never made aware to cancel my recurring payments. I assumed that like other companies ( Such as XXXX ), I would receive an email stating that my payment information needed to be updated. Never did I imagine that a closed account would be reopened without my knowledge.
Consumer complaint received 2017-03-08
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Professional Finance Company, Inc. (CA)

I used a template found on the CFPB site to dispute this collection account and they failed to properly validate the account. I followed all the steps the CFPB told me to take so I feel that this account should be deleted from my credit report since this collection agency failed to properly validate and send me everything that the CFPB says I can request.
Consumer complaint received 2016-05-27
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (OH)

XXXX lowered my credit limit by XXXX with no notice. Account has been open since 2012, and balance had been paid in full for most billing cycles. In this instance, payment was 6 days late. Company claims they notified me of this policy in 2012.
Consumer complaint received 2023-07-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I not disputing I owe these debts but I do see where they take the same visit and report it twice saying I owe for the same visits especially when there is also insurance showing of some of these payments they are reporting double an almost caused me my employment they have been doing this for the last 8 years so debts are passed the expiration of goin away please review Ars national
Consumer complaint received 2017-02-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (IL)

On XXXX XXXX, 2017, I informed Chase my wallet had been stolen with my credit cards, ID and Social Security card inside. After being on the phone for around 30 minutes the conclusion was they would cancel my card, refund amounts charged and send a new card. On XXXX XXXX, 2017, 18 days after reporting the theft, a bank teller at a Chase branch in XXXXXXXX allowed an individual who would have had no knowledge as to my bank account number to withdraw {$1000.00}. I as an individual live in XXXXXXXX and never use the branch to withdraw {$1000.00}. After reporting the theft on XXXX XXXX, 2017, Chase not only accused me of stealing my own money, but blamed me for not changing my bank account number, an option I was never given and frankly did n't believe I needed as nothing in my wallet had my Chase bank account information on it. Chase has informed me I must wait 30 business days while they investigate and I am unable to use MY money, and may NEVER get it back. Until then I will continue to rack up overdraft fees as bills are allowed to go through. If you have any questions please let me know. Thank you.
Consumer complaint received 2024-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The following inquiries are fraudulent and unauthorized by myself and need to be removed immediately.Iam hereby notifying you that neither on that date or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, having understood this is a violation of 15 USC 1681 ( B ) ( C ), Both together and separately my consumer and privacy rights are being violated. I would like for you to please remove these items from my consumer report. BELOW ARE INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: AFNI INC. (FL)

Most of these debts is paid in full and should n't be reporting only credit report for over a year but they are still reporting on my credit report no matter how many times I have disputed it it comes back as validate knowing that these debt are paid in full specially XXXX that I just made a payment of {$500.00}. Please look into this matter it is affecting my credit score and my personal and business life. The XXXX bill was paid in full. These collections items were not removed even if they did n't provide proof that it was validate. How would u guys validate a debt that you guys have no no proof
Consumer complaint received 2017-03-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Navient Solutions, LLC. (VA)

i found out about a debt owed to XXXX XXXX and XXXX XXXX ( XXXX ) after it went to collections. XXXX had a last name that i had not used in over 20 years, and they claimed that they sent several letters to notify me of the debt. Unfortunately, not only did they have my wrong last name, they had my wrong address. The only way i found out about the debt was because of a drastic drop in my credit score, prompting me to review my credit report. The problem i have with this is, XXXX is the same organization that pays me monthly through the military, and sends me annual XXXX, so i do n't understand how they could not have my correct address to properly notify me of the debt. Now it has been turned over to 3rd party collections, and the fees alone are now more than {$1200.00}. I dont mind paying the debt that i owe, but i dont feel that i should pay {$1200.00} in fees if XXXX failed to confirm receipt of debt notice. I can prove i am in their system because they have been paying my paycheck monthly, for the 24 years that i have been serving in the military.
Consumer complaint received 2017-03-30
Product: Credit card — 
Issue: Delinquent account — 
Company: AMERICAN EXPRESS COMPANY (CA)

I have had my American Express card for a very long time. XXXX XXXX I was on vacation American Express XXXX gave me extra credit that I would pay in XXXX XXXX. I was told by that agent my payment would go to current purchases not pay overtime. long story short my payments went to my payoff time balance and I got hit with huge payments {$13000.00} and next one {$8500.00} I have been dealing with The American Express office in XXXX and every agent there keeps lying to me and I 'm tired of it. I ended up being 30 days late they are asking for another {$9000.00} so they do n't report me again and the following month another {$7500.00} because they took off my payover time feature because I was 30 days late. They are sending me into financial hardship and I was never notified about this change and they charged me fees on the pay over time money too which changed APR. I know there are laws to protect consumers against credit card bullies please help me I do n't want them to ruin my credit.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Shellpoint Partners, LLC (VA)

On my credit record is an erroneous foreclosure for a loan that does NOT belong to me. My XXXX XXXXXXXX took out a mortgage with a lender and after her death the paper was sold on that loan. While her estate was in litigation, I contacted the mortgage company advising them of XXXX XXXX and that the estate was in litigation. While going through the legal system, I told the mortgage company that I would have pay on the loan rather than allow it to go into foreclosure. Although I was under NO legal obligation to do so, I continued to pay on the loan. After XXXX of litigation with no resolution in sight, I could no longer justify paying on my mother 's loan. I notified the mortgage company that I would no longer make payments on the loan and foreclosure steps were initiated by the mortgage company. The estate was finally settled 3 years after her death when a buyer for the property was secured paying off the loan avoiding a foreclosure sheriff 's sale. My mother 's executor handled that transaction but my name was used to file a negative report with all of the credit bureaus. I have tried every avenue to have this negative report removed from my credit and all have failed.
Consumer complaint received 2017-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

Greetings. I was summoned to court by an attorney firm XXXX regarding XXXX, a debt collector. The debt was paid in full but not updated in the XXXX County court system nor on my credit reports. I sent a certified letter to XXXX to remove the incorrect debt information and public record but it was returned. A certified letter was sent to the attorney firm XXXX who updated the court record ( XXXX ) but ignored the request to remove inaccurate information from my credit reports. I then sent a certified letter to Equifax requesting that the inaccurate debt information and public record listed on my credit report be removed. I did not receive a response.
Consumer complaint received 2016-04-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Choice Recovery, Inc. (OH)

CHOICE RECOVERY XXXX. XXXX this account is a XXXX XXXX violation please delete.I have a a unverified account from CHOICE RECOVERY XXXX. I had previously disputed this account. I have never done business with CHOICE RECOVERY XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt CHOICE RECOVERY XXXX and I believe it is a XXXX XXXX violation. I request that CHOICE RECOVERY XXXX Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX
Consumer complaint received 2023-07-13
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. (TX)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2017-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion has reported XXXX public records on my credit report. XXXX Chapter XXXX bankruptcies and XXXX judgement. I have verified with the XXXX Court and the XXXX court that they do not report to the XXXX major credit bureaus. Transunion has pulled this information from a 3rd party and therefore must be deleted.
Consumer complaint received 2017-02-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Remex, Inc. (NJ)

I received a statement from XXXX XXXX XXXX on XXXX/XXXX/XXXX for a medical debt owed. I paid the debt in full on XXXX/XXXX/XXXX via the XXXX online payment portal but I continued to receive numerous calls requesting payment. I spoke to XXXX in customer service who advised me to fax over the receipt which I did on XXXX/XXXX/XXXX and she advised that my account would be updated in 1 - 2 weeks. Approximately 1 month later I received a letter in the mail from a debt collector for said debt. I sent proof of payment to the debt collector and contacted XXXX who advised that my account was still under review 1 month after I faxed over to them their system generated receipt as proof of payment. I informed the customer service rep that their error may now impact my credit and she said nonchalantly we 'll look into it and get back to you. I still have not received an update so I will be calling back.