davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Coradius International LLC (CA)

I received a debt supposedly through XXXX. I had an account that I closed XXXX years ago. The debit says that as if XX/XX/22, XXXX years later I somehow owed {$62.00} even though I didnt receive anything from XXXX and my account was at {$0.00} when I closed it. I called XXXX and they confirmed they didnt send any emails and couldnt verify the account that supposedly has a debt. The account number is XXXX. 

I tried the all American coradius international llc and they are closed. Also, this is a scam so I dont want to interact too much.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want to change my password on the TRANSUNION website. I already have an account on their website, I just want to change the password. I follow their online process to do so, and it then says it will send me an email with a security code of some sort. They never send me this security code. I can send and receive email perfectly on my XXXX email account, but I never get the security code from TRANSUNION . I called and spoke with one of their agents who was unable to assist. Very frustrating, unacceptable, unresolved.
Consumer complaint received 2024-10-24
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: EQUIFAX, INC. (CA)

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-27
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: Receivables Management Corporation (SC)

In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights. 15 u.s.c 1681 section 602 I have the right to privacy. 15 u.s.c. 1681 Section 604 Section 2 states a consumer reporting agency can not furnish an account without instructions.
Consumer complaint received 2022-12-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (AZ)

On XX/XX/2022, I replied to a XXXX ad for hay for my horses. After several messages between us, I agreed to buy hay from them. We agreed to a price and delivery time. 
I sent the payment by Zelle to them & they confirmed my order. The order was supposed to be delivered at XXXX XXXX  the next day ( XX/XX/2022 ). After XXXX XXXXXXXX I attempted to find out where the driver was with my hay ; they messaged back, " My driver is heading there. '' At XXXX XXXX, I messaged again and got an automated response, " hi, thanks for contacting us. We've received your message and appreciate you reaching out. '' This morning I messaged requesting a refund and have had no response. 

All the conversations, including the Zelle payment, were through my XXXX XXXX XXXX & XXXX account ( XXXXXXXX XXXX XXXX  ) I have called my credit union & they have stated there are no refunds for Zelle. It is " treated as a cash payment. '' and " you are out the money. '' I reported the ad and the admin for the page to XXXX. 
I have called law enforcement in XXXX, AZ. 
I have reached out to Zelle directly, reporting the scam/fraud. 
I am also filing a report with the FTC XXXX FBI.
Consumer complaint received 2022-12-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (IN)

Due to the promotion of the new account sign-up bonus, as they advertised, I opened a new premier account with BMO Harris on XX/XX/2022. 
I clicked the link on their website : https : //newaccount.bmoharris.com/online/servlet/SmartForm.html? formCode=dao & PRODTYPE=Checking & PRODUCTID=336 & COID=BMOP-06772Q-89QT8P3 And I followed the steps by filling out all the fields in the application. 
And one of the fields was an auto-filled promotion code. The promotion code was : XXXX. That was auto-filled in my application. 
The requirements are to have over {$7500.00} direct deposit within 90 days after the account was opened, then they will give me a {$350.00} cash bonus. 
I changed my direct deposit setting with my company. I deposited {$9600.00} from my payroll from XX/XX/2022 to XX/XX/2022. 
After I notice that I not only didn't receive my bonus on time but also I was charged a {$25.00} service fee! This fee was a hidden fee by the way. 
So I called BMO Harris. The representatives told me that I did not have a promotion code on my application, which is impossible as the code was auto-filled. If there was no promotion I had no reason to open this account. They must manipulate my account and delete the code from my application to avoid the payment they promised. 
I called at least 5 times, and every time I was put on hold for at least 30 mins and did not get any solution. I also tried to chat with one of the bankers, no solution either.

I was told twice that one of the managers will call me back during the day. I've never received any phone calls from the bank.

I feel this bank is a scam. I am very disappointed with their service. I request a solution to my unsatisfied experience.
Consumer complaint received 2022-12-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On the XXXX day of XXXX, XXXX I signed a contract with XXXX XXXX to purchase XXXX XXXX XXXX XXXX # XXXX, at the price of {$31000.00}. I wish to cancel that contract because fraud was committed once I was informed that a down payment of {$1000.00} was needed for me to drive off the lot. Also, the dealership did not disclose that I had the right to rescind the credit consumer transaction. 
I hereby exercise my right to rescind the agreement under the provisions of the 15 U.S. Code 1635 ( b ) : and 15 U.S.C 1605 ( a ) upon receipt of this rescission, I am not liable for any finance charge or other charge. Any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. 

In addition, I was given false and deceptive information, as I was informed that a down payment of {$1000.00} was needed for me to drive off the lot. Notice that Pursuant to 15 U.S. Code 1635 : Within 20 ( twenty ) days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. Pursuant to 15 U.S.C 1605 ( a ) : the amount of a finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, and ask that you return my deposit/down payment of {$1000.00} within 14 days as required by law.
Consumer complaint received 2022-12-26
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: National Credit Adjusters, LLC (FL)

Dear Sir or Maam : Pursuant to the Servicemembers Civil Relief Act ( SCRA ) 50 U.S.C. App. Section 527, this letter is my formal written request to remove this inaccurate information from my account. I am currently serving on XXXX XXXX with the Branch of Armed Forces. I entered active duty on Date, which was after after the time this debt appeared on my credit report.. 
I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.
Consumer complaint received 2022-12-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Creditors Bureau Associates (AL)

I received an update to my credit report stating that I owe {$740.00} to XXXX XXXX XXXX as of XX/XX/2022. This is incorrect. According to the FCRA it is illegal to re-age a collection. I was unaware that this collection would be updated because I was not sent a notice, nor have I contacted them about this collection in over a year. I would like for this debt to be changed back to its original date.
Consumer complaint received 2023-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo transferred from one account to another which was not authorized by me and advised me of this by letter on XXXX and has made NO effort to reimburse me of the lost monies because of this. This transfer was NOT authorized by me thus allowing a scammer to make me think that one of the bank employees was scamming my account and he would make every effort to retrieve the monies for me. When discovered by me, I reported this to their fraud dept. who stated in their letter dated XX/XX/22 that the case was closed because " we couldn't reverse the online transfers, either because there wasn't enough funds in the account or the account has been closed ''. Your claim is now closed ''. Yes the accounts in question were closed by me when I realized other unauthorized persons had access to my four ( 4 ) accounts. A wire transfer to XXXX XXXX was Not authorized by me " as the money will not be returned from the receiving receiving bank ''. A police report was also made to the XXXX Police Dept. The bank did not investigate this issue other than to tell me they could not get any of the {$87000.00} I lost.
Consumer complaint received 2022-12-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe (GA)

Fact, Title 15 Chapter 41 of the U.S. Code is intended to secure my right to privacy and my privacy has been breached so be it, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibits A-D, Continental Service Group , Inc. , is in violation of 15 USC 1692f ( 1 ).

Fact, affiant is aware and has proof pursuant to 18 USC 8 that I am not obligated to remit payment for bills. Exhibits A-D are the responsibility of the United States. 

Fact affiant is aware and has proof pursuant to 15 USC 1692c ( a ) ( 1 ) and Exhibits A-D, Continental Service Group , Inc. communicated with me at an unusual place and time by mailing 4 letters to my location. 

Fact affiant is aware and has proof pursuant to 15 USC 1692e ( 11 ) and Exhibits A-D, Continental Service Group , Inc. failed to state in its communication that it is attempting to collect a debt AND that any information obtained will be used for that purpose.

Fact, affiant is aware and has proof pursuant to 15 USC 1692a, Continental Service Group , Inc. is a debt collector.

Fact, affiant is aware and has proof pursuant to 15 USC 1692d ( 2 ), Continental Service Group , Inc. used profane language in Exhibits A-D to abuse me.

Fact, affiant is aware and has proof pursuant to 15 USC 1692j ( a ), Continental Service Group , Inc, furnished a deceptive form and furnished the form to create the false belief in me that it was participating in the collection of an alleged debt and not the creditor. 

Fact, affiant is aware and has proof pursuant to 15 USC 1692k, Continental Service Group , Inc. is civilly liable for violations herein.

Fact, affiant is aware and has proof pursuant to 18 USC 1341 and exhibits A-D, Continental Service Group , Inc. devised a scheme for obtaining money from me and committed mail fraud.
Consumer complaint received 2023-11-06
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: EQUIFAX, INC. (TX)

I sent my letter on XX/XX/2023 asking the credit bureaus to " investigate every piece of information '' on the accounts I have attached. 

According to the FRCA, the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law? Also, many pieces of information on these accounts are still not reporting 100 % accurate and according to the FRCA 15 USC 1681, everything has to be 100 % accurate. I have attached the credit report showing the inaccuracies and inconsistencies. How have the credit bureaus verified these accounts if they are showing so many discrepancies on fundamental pieces of information such as addresses, date account opened, balances. 
I asked the credit bureaus to share their method of verification and validation of these accounts, but they failed to respond.
Consumer complaint received 2022-12-23
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: Fidelity National Information Services, Inc. (FNIS) (CO)

I had a charge off at a bank account I forgot about of {$20.00}. When I left the account it had {$200.00} in it. The bank charged fees until all the money was gone, and then into the negative. I didn't even know about this charge off, because it never went to collections, didn't show up in my credit report, and I had moved to a new state and was never contacted by the bank. The bank then reported this charge off to Chex Systems. 

When I moved to a new state, I tried to open a bank account. No bank would provide me an account, because of the {$20.00} charge off showing in Chex Systems. I called Chex Systems to resolve the issue. Chex Systems then said I needed to call the bank to resolve the problem. It took XXXX weeks of calling, often times spending XXXX hours on hold, to finally get a person on the phone. Then, they said they would have someone call me about the charge off. No call after one week. Finally, I got a bank representative on the phone. They said I had to mail a check to them to take care of the charge off. This will now take another 1-2 weeks, because of the holidays. So, in all, I've had to go almost XXXX weeks in a new city, without the ability to cash a check, open an account or pay my bills, over a {$20.00} charge that I could have paid weeks ago. I went to XXXX different banks locally, and none of them would provide me with an account based on the Chex Systems charge off. I was prepared to open an account at all three with a $ XXXX deposit, but still, they wouldn't allow me to, over this {$20.00} charge. 

In my opinion, using systems like Chex Systems, is just another way for banks to bully consumers. If they are going to just charge off a negative account, they should report it to the credit agency like any other similar situation. And if they are going to use a system that will end up prohibiting people from being able to open a bank account entirely, they need to make it easy to pay off the amount owed. Making people jump through hoops like this is wrong. Not being able to bank in a new city for XXXX weeks has created a huge amount of problems for me. This is wrong and something needs to be done about it.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AL)

Inquiries that I don't recognize.on my Credit Report. I have Contacted the companies for relief and all 3 Credit Bureaus, I have also attached Identity theft affidavit
Consumer complaint received 2022-12-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau of York, Inc. (PA)

A medical bill I had was denied for payment. I called my insurance company and they told me the doctor did not submit the bill correctly. I told his receptionist that he just had to submit the bill correctly and my insurance company would pay it in full. Apparently he did not do so because it is on my credit report as a debt owed. If the doctor didn't want to submit the bill properly it is not my fault. I told them how to fix it and they didn't. I am not going to pay for a medical bill that I am not responsible for. All they had to do was to do their job right. And there wouldn't have been a problem. I tried to fix it, but it was up to them to correctly submit it. Not paying for their mistake. I even tried calling Credit Bureau of York to explain the problem. The number they give to contact them is a number that is no longer in service. There is nothing more that I could do.
Consumer complaint received 2022-12-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC (MI)

I found out about this collection due to surprise on my XXXX  credit report. Source receivables never provided any notification about this alleged debt. The only notification was by my credit report. This has dragged my score down by approximately XXXX points. I do not have a XXXX account and have been a victim of identity theft. I don't owe anything to XXXX nor do I owe anything to Source Receivables.
Consumer complaint received 2022-12-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

We experienced a flood in our home in XXXX, XXXX. As a result, our insurance company XXXX sent us two checks in XXXX ( each over the amount of {$40000.00} for a total amount of {$100000.00} ) for reimbursement of costs we paid to various contractors for construction work, repairs etc. Then, we began the painstaking process of working with Freedom Mortgage to release our insurance money to us. FYI, we did not select Freedom Mortgage as our mortgage lender, our original refinance lender, XXXX, sold them our loan. XXXX XXXX incompetence started at the outset with the excessive hoops they made us jump through just to get the release process started which XXXX purposely makes complicated and burdensome on the homeowner. Finally, after numerous phone calls and emails we were able to get an inspector out to our home on XX/XX/XXXX when, per the adjustor, 99 % of the work was completed. Since then, we've filed the inspector 's report and have requested XXXX  to release our money since we are out of pocket in excess of {$100000.00}. They continue to hold our money for NO reason and we're going into the holidays without {$100000.00} of our money. We have no recourse against them other than filing this complaint. We fully understand why Freedom Mortgage has had to pay hefty fines in both XXXX & XXXX for various regulatory violations. Freedom Mortgage should not be allowed to operate as a mortgage lender.
Consumer complaint received 2022-12-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Sunset Management, Inc (GA)

On XX/XX/2022, I received a letter in the mail from Sunset Finance ( address : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, SC XXXX ). The letter contained a check for {$1000.00}. The letter advertised " celebrating XXXX in style! '' and contained instructions for the loan. I was pre-approved to receive a customer loan for the listed amount and the only thing I would have to do is deposit the check. I never applied for any loan of this type. Therefore, I felt like this was a scam or some predatory loan scheme so I immediately ripped up the check. Furthermore, anyone would be insane to accept a loan with a annual percentage rate of XXXX XXXX. I think that given the number of checks received by Americans at this time of year, someone may mistakenly deposit a loan check like this. This would be severely detrimental to their financial wellbeing. If this type of loan scheme is not illegal, it should be.
Consumer complaint received 2022-12-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

On XX/XX/XXXX, Freedom Mortgage called me, having recently purchased the servicing rights to my mortgage loan to check in. While on the phone, they offered to take my mortgage payment over the phone, although I had already set up payment through their online portal. While on the phone, they said the payment went through. A week later, they called to tell me the payment had been reversed- on that call I repeated my checking account information to make the payment that had been reversed. After a series of 4 phone calls with customer service, finally resulting in their listening to the recording of the phone conversation, they determined that the agent had entered the information incorrectly and had failed to repeat the account number back to me to allow me to notice the error. They therefore determined that the {$30.00} insufficient funds fee they were attempting to charge me should be reversed, since the error was entirely theirs. However, three weeks after admitting fault, the charge is not removed, and now customer service is saying that it will not be reversed.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.