davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-05
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (NC)

On XXXX/XXXX/2015 I received a telephone call from Barclay Card XXXX. They advised me by voicemail that they wanted to verify my information for a recent credit card application. They provided me with an identifying number : XXXX and a return telephone # XXXX. I have never applied to Barclay Card for a credit card. I telephoned Barclay Card and was put in touch with a security consultant. She asked for my identifying number. I gave her the number. She returned to the line and asked me for my DOB and SSN. I told her that since she had pulled up my information, she could tell me the information and I would verify if was me. She stated she could not do that. I asked to speak to a supervisor. Another female got on the telephone and basically re- invented the wheel. She told me the same information. At this point I hung up. I went into XXXX XXXX and saw that a hard credit inquiry had posted on my credit history. Earlier this year, person XXXX XXXX ) unknown had attempted to get a federal tax refund by filing a false tax return using my tax information and the IRS and FTC indicated this was an attempt at identity theft. I woul appreciate help in getting this removed from my credit report. Again, I have never applied for a Barclay Card credit card.
Consumer complaint received 2015-10-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (CA)

Checking my Experian credit report last week, I noticed that there was " key derogatory '' on the report. A collection agency, AFNI , Inc, filed a key derogatory report stating that I have an outstanding balance of {$1800.00} for a debt owed to XXXX XXXX. However, I have never had any type of service or business relationship with Dish network. I have disputed the report with all XXXX credit reporting agencies. I also called AFNI to try to clear this issue up. After spending all weekend and today ( Monday XXXX/XXXX/2015 ) filling out online forms and waiting on hold to speak to a representative with the various credit reporting agencies I am still being told by AFNI that I have to call Dish Network to " PROVE '' that this is not my debt. AFNI gave me the address of the residence where the service was installed and the birth date of the person that ordered the service. The address that they gave me and the birth date were not mine. Both of these pieces of information are on my credit report. So, AFNI should have known from the start that this was not my debt. 
So my complaint is this:1. AFNI should have known that this was not my debt and so I believe that they fraudulently reported this debt as mine when as I say I have never had Dish Network service. 
2. I should not have to file a dispute or contact XXXX XXXX because of obvious errors that AFNI made in reporting this debt as mine. 
3. XXXX XXXX should not be allow to sell their bad debt to AFNI or any collection agency if they have not verified the identity of their customers to a much greater degree than have in my case. I believe that this is also fraud on XXXX XXXX part and grossly irresponsible. Why is it my responsibility to clean up their mess ... because they did not do a good job of verifying their customer. 
I would like to file a complaint against both XXXX XXXX and AFNI.
Consumer complaint received 2016-09-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC. (GA)

This debt NEVER existed. This is NOT a debt. 

This involves the return of XXXX equipment that was returned to XXXX in 2010!!!!! 

I have been harassed by several collection agencies since 2010! This has to STOP!!! 


I am tired of being harassed and want this removed from my credit report IMMEDIATELY!!! 

If it is not removed and the harassment does not cease immediately I will have no alternative but to file a suit against this debt collector.
Consumer complaint received 2015-06-27
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Taylor Law, PLLC (AL)

Settled and paid debt collector way before settlement date. Debt collector refused to send me an email confirming payment of debt in full. Said that they would sent letter in the mail. Instead, collection company has continued harassing my family by sending people to my house to serve me with a summons. Now I am being sued for a debt that has already been paid.
Consumer complaint received 2016-04-29
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION (AL)

I currently have a XXXX XXXX XXXX Account with Regions Bank. 3 months ago I opted out of Standard Overdraft Protection because I am on a fixed income only receiving {$650.00} per month SSI benefits. I have contacted the companies that I had recurring monthly fees but my requests have been in vain. I have been charged for overdraft payments and fees which leave me financially incapable of paying for the basic necessities. I thought that opting out of the Standard Overdarft Protection would result in insufficient funds for anyone trying to send a payment through.
Consumer complaint received 2016-12-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I disputed this item on XXXX XXXX, 2016. XXXX did not respond within 30 days. A violation of my consumer rights. The original letter and the copy of my social security card that I sent on XXXX XXXX, 2016 are attached.
Consumer complaint received 2016-01-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I received an alert via email saying that my credit score decreased due to a hard inquiry on XXXX/XXXX/2016. Upon review of my credit report, there is a hard inquiry from an auto dealership I have no knowledge of, and I never authorized this inquiry. TransUnion went on to say they can not remove this inquiry without a letter from the inquiring company allowing this inquiry to be removed. The auto dealership said they never pulled my credit report, they also informed me they do not use social security numbers to pull inquiries, in most cases. The customer name from the inquiry does not match my name, and her address is now listed on my credit report. I have never held residence at the addresses on XXXX XXXX. Neither companies are helping me resolve this error.
Consumer complaint received 2015-10-14
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Leading Mortgage Solutions (CA)

I applied for a refinance loan with Leading Mortgage Solutions in XXXX XXXX, and with XXXX XXXX. After approval and before the closing, I was told directly to NOT pay my XX/XX/XXXX payment and that the loan would close before then, and there would not be a 30 day late marked on my credit report. I took their advice. Fast forward a month to XX/XX/XXXX, when I applied for a loan with a different lender for a XXXX home, I was told that my credit report showed a 30 day late payment from the refinance transaction that I was assured would not be there. I complained to the company, they informed me that I was incorrect, that there is no blemish on my credit, and that I should call the old company to resolve myself. I found this unacceptable, and filed a poor review on XXXX. They contacted me via email, as well as rebutted the XXXX review, and again claimed I was wrong, and to clear it up myself. I told them I expect them to clear it up as it was their advice that led to it. I have filed a complaint with the XXXX, but am hearing the same from the company about how I am incorrect. Even after I sent XXXX XXXX screen shots of all three credit reports showing the blemish, he tells me to call the former lender and clear it up myself.
Consumer complaint received 2015-10-14
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (FL)

B DISCOVER FIN SVCS LACCOUNT NUMBER : XXXXXXXXXXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXXPHONE : XXXXDear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify B DISCOVER FIN SVCS L or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : B DISCOVER FIN SVCS L or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX XXXX SS # XXXX XXXX # XX/XX/XXXXADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2023-06-14
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. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2024-08-23
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. (DE)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2016-03-11
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I went to the Bank of America on XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX at XXXX today, XXXX/XXXX/2016. 
My mom and my sister double counted the cash I was depositing right before I went into the bank, it totaled {$10000.00}. We have counted and triple checked the amount was correct. When I got to the teller to deposit, I told the teller ( Tlr XXXX ) I am depositing {$10000.00} and gave her the deposit slip. Then I gave her XXXX envelopes, each containing {$5000.00} each. The white envelope had paperclips, each paperclip totaled {$1000.00}. 
1st paper clip : XXXX x {$100.00} 2nd paper clip : XXXX x {$100.00} 3rd paper clip : ( XXXX x {$20.00} ) + ( XXXX x {$10.00} ) + XXXX ( x {$50.00} ) 4th paper clip : XXXX x {$100.00} 5th paper clip : ( XXXX x {$50.00} ) + ( XXXX x {$20.00} ) + ( XXXX x {$10.00} ) + ( XXXX x {$100.00} ) The yellow envelope had a rubber band around all the XXXX x {$100.00} bills. The teller took out all the cash from the envelopes and separated the money. She separated by different bill amounts, {$100.00}, {$50.00}, {$20.00}, and {$10.00}. I could n't really see what she was doing behind the counter. I had to look over to the machine to see it was {$9600.00} before she said anything and then I asked her, it 's short? And she said yes, it 's {$9600.00} instead of {$10000.00}, I became concerned and called my mom. And I asked her to run it by the machine again. I leaned over to look and she separated the bills and let the machine count each {$100.00}, then she added the {$50.00} and {$20.00}, etc., counting each bill separately which I found weird. I can barely hear her speak, I had to ask her what she said two times. 
She asked me to change the number on my deposit slip and to initial it. I could n't help but think where did the {$370.00} disappear to?! We had counted it over 10 times, by XXXX different people right before going to the teller. Everything was in the envelope and inside my fanny pack that never left my body, and it added up to {$10000.00}. I left the bank thinking maybe it 's at home?? I would 've never thought it could possibly be the teller stealing. Then maybe it could be the machine that counted incorrectly. I called the bank and a lady named XXXX stated to call back at XXXX XXXX or they will call me back when they have counted their 'drawers '. XXXX XXXX came, and XXXX called me stating the cash were counted correctly to the transaction, matching the amount in their system. 
Then that 's when I started thinking what if the teller had taken the money, it would n't be in the drawer. I started googling instances where teller would steal the deposit money and a lot of the situations came up and XXXX in XXXX where a teller working at XXXX XXXX was arrested for. I started to worry and I 'm afraid that branch would not assist any further especially when I was accusing the teller of stealing. I wanted them to look at the surveillance camera. Please help to look into this Bank of America branch, XXXX XXXX XXXX, XXXX. Thank you
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.
Consumer complaint received 2016-05-02
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY (OH)

For 32 years we were a loyal, dedicated, exclusive customer for American Express. We paid them about {$100000.00} per year on average ( sometimes way more ). We used their Rewards Program sparingly, and only when absolutely necessary ( for example to pay for a last minute critical airfare ). According to them, XX/XX/2015 they revised the Rewards program we participated in. According to them we were notified multiple times via mail. Nobody here recalls seeing anything. The new revised program required us " opting in '' to maintain our point balance of XXXX. The fee was going from {$110.00} per year to {$170.00}, which for us would be no problem. According to them, by not " opting in '' we reverted to a non-reward program at {$95.00} per year but would lose all accumulated reward points. As I said, we never knew anything was taking place. A new card came at that time, but it was a chip bearing card and we assumed it to be just the chip making it necessary to send out. Last weekend, we found out by accident ( trying to book hotel rooms ) that " there were no points any more ''. They had cancelled and taken 32 years of accumulated reward points, XXXX in all. In my words, they STOLE the rewards points. I find this HIGHLY unethical, mean spirited to a long time loyal customer, and bad business practice as they refused to reconstruct the program to what it was, even at maybe a nominal cost to me ( for missing something I NEVER saw ). So that 's how American Express treats it 's great long time customers. Let 's let everyone know. This looks like a nice plan to get rid of as many open Rewards points as possible without honoring their intent. Great management decision.
Consumer complaint received 2016-03-18
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CO)

We annually apply for Income Based Repayment with Navient and XXXX. Navient consistently does n't know what and when we have applied. They require us to re-apply two to three times as they can not seem to find the paperwork. For example, last week we re-submitted paperwork through the StudentLoans.gov website and XXXX had received and completed the paperwork in less than 48 hours. Navient on the otherhand, can not find it and claim we did n't send it, even though we have proof we did. It seems they purposefully miss or lose paperwork so we are forced to pay on the loan.
Consumer complaint received 2015-11-30
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY (TX)

I went to pay my American Express ( AE ) Credit card balanceon XXXX XXXX. I auto paid my balance for the last 5-6 years. 
using my XXXX account. I gave them instructions to use XXXX account for a payment of {$2100.00}. 

On XXXX XXXX I received a notice from AE my bank rejected the payment. 
I checked the money was still in my XXXX account. 

I recently moved from XXXX to XXXX. I found out XXXX does not have any branches in XXXX. I did not have enough money in my XXXX account to settle the amount owed. My XXXX XXXX got a bank check from XXXX to cover the balance. I have never done any business with XXXX.She mailed in a check to American Express. The check cleared the XXXX payment. 

What I found out next shocked me. American Express did not use my XXXX account in XXXX as requested but instead just took the account info from the XXXX Check deposited in XXXX and sent that info in for payment.Of course it was rejected. 

This is illegal and was certainly not authorized by me. When I called American Express for an answer. They told me I did tell them to use XXXX but there was no record of that account after 6 years of use. 

Their supervisor XXXX was most very condescending when speaking to me and lied through he teeth about where the new info came from. 
to protect his XXXX. 

Some one put that false info in for whatever, who knows? Their employees need more sensitivity training. I feel American Express should be severely fined and I should be awarded a small sum for all their abuse and time spent fixing the problem. 
training.
Consumer complaint received 2015-07-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

I am at the end of my loan where my payoff is less than 1/2 of a normal monthly payment. But the mortgage company will not take any payment except wire transfers, cashiers check, or title checks. If I do not make my payment by the late fee date, they are threatening to charge me an excessive late fee ( 15 % of my payoff amount ) while refusing to accept any normal payment method ( ACH/Pay-by-phone, mailed check ) even though they are already holding more funds in my escrow account then the full payment on the loan. This forced me to go to my bank and pay wire fees to avoid the excessive late fees. Also, upon payoff, the bank charged me recording fees and a release fee. These unavoidable fees plus the cost of obtaining secure payment for the final payment are not disclosed anywhere in my contract. Since they are unavoidable costs of the loan, they should have been included in the cost of the loan and APR calculation in conformity with the Truth-in-Lending Act ( TILA ). Plus, forcing the consumer to wire funds that are for a minimal amount and charging a late fee in excess of what is specified in the contract are unfair and abusive acts.