davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

On XX/XX/2018 at XXXX, I went to the XXXX XXXX ATM on XXXX XXXX in XXXX , Ohio . I put my debit card in the ATM and started my transaction to withdraw {$250.00} cash with a {$2.00} fee for not using my ATM. I went through the whole process and a message came on the screen and said it would give me back my card then my cash would be dispensed. It then gave me back my card and right after that, the whole screen went black and it NEVER dispensed my cash. I waited for about 15 minutes and still nothing. The screen was then black and just said " Check Input Signal- Going to Sleep '' in white letters on the screen. I took a photo of the screen on the ATM so I had proof of what it said. I tried to call XXXX XXXX right after that but they were closed and the message said to call back during normal business hours. So first thing that following Monday when the XXXX XXXX branch opened, I called and spoke to someone at the branch and explained what had happened. The woman explained that they were having problems with the ATM and they had placed a sign on it saying it was down but someone had taken it off and that they had multiple calls about my same issue. They said that they were well aware of the issue and it happened to multiple other customers also. They instructed me to just call my bank and dispute the transaction and that my bank would then contact XXXX XXXX to confirm the issue and verify that I didn't receive funds and it would be credited back to my account. Well I did just that and the money was temporarily credited back to my account. Well I received the letter dated XX/XX/2018 that states that the dispute was denied. So I then contacted the assistant manager at XXXX XXXX who was the person that was handling all of the transactions and problems with the ATM being down. She asked me to email her any information regarding my issue, so I did. In the mean time, I emailed the Fifth Third Dispute Team to appeal the dispute denial. I also was told by Fifth Third that there was no hard copy information that they could give me that they used in their research because it was all done electronic. I also was in contact with XXXX XXXX the assistant manager at XXXX XXXX for updates with her progress. Well 2 days ago I received an email from XXXX XXXX stating that she was told that she was told that she was no longer able to pursue my problem and for me to contact Fifth Third to re-appeal and re-file a dispute for the 3rd time. I am not getting anywhere and I am getting very frustrated with all of this!! I will attach the emails & also photos etc. to my complaint
Consumer complaint received 2018-09-10
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: Experian Information Solutions Inc. (CA)

On a recent review of my credit report, I discovered that the company XXXX XXXX reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt. All 3 Credit Bureaus said the debt is verified and accurate but it is based on XXXX XXXX word without any physical evidence. They must produce the above or delete or entry from all 3 credit bureaus.
Consumer complaint received 2018-09-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SIMM Associates, Inc. (WY)

SIMM ASSOCIATES has been calling my phone for months and never leaves any message except this last time on XX/XX/2018 wanting me to call back at XXXX. This company is illegally " Caller ID Spoofing '' meaning they randomly show in your phone a local number which belongs to someone else. The number changes with each call.
Consumer complaint received 2018-09-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I did a credit report check through XXXX, and it's lists an Bank of America account that I've never used but states a balance of {$14000.00}. I have never used this account. I believe it is fraud.
Consumer complaint received 2018-09-08
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. (WI)

Equifax completed its investigation of disputed account information that I submitted. While I appreciate the removal of multiple accounts I had no knowledge of, there were three accounts verified. I am confused as to how Equifax could have verified the account information when I, myself, have contacted XXXX XXXX on multiple occasions and received no response. Once was through direct mail, the other through the Consumer Financial Protection Bureau. XXXX XXXX now only appears on my Equifax report. Neither XXXX  or XXXX were able to verify the information XXXX XXXX provided and deleted the erroneous information from my files. 

On XX/XX/XXXX I sent a request for validation XXXX XXXX.. Pursuant of the FCRA and FDCPA I demanded a cease of collection activity until validation of the debt occurred. The company never sent the proof of debt validation but they continue to report the erroneous information. For your convenience I have included a copy of the deletion transcript provided by XXXX and XXXX. Since three other parties have tried to verify the information supplied by XXXX XXXX, I would like to know a detailed description of how Equifax, verified the information.
Consumer complaint received 2018-09-08
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (PA)

A person from Midland Credir has called my number several times asking for a person named XXXX. I have politely told him that there is no one here with that name. He says he will not call back but a week or two later he calls back. The most recent call occurred XX/XX/2018 at XXXX PM. The caller identified the caller as being Midland Credit. The calling number was XXXX
Consumer complaint received 2018-09-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (IL)

Wakefield and Associates has called me nonstop for over a year, claiming I owe for a medical debt that I have paid off as a minor. In addition, when requested proof of debt I was told they do not need to supply me such documents. After this, I simply hang up. The most recent call was XX/XX/2018 at XXXX XXXX CST. Other calls after requesting not to contact and to only mail me proof of debt include : XX/XX/XXXX XXXX XXXX  CST, XX/XX/XXXX XXXX XXXX  CST, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  CST, XX/XX/XXXX XXXX XXXX
Consumer complaint received 2018-09-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Upon reviewing my credit file to determine the status as well as cause for the status, I noticed several companies that I have no recollection of having any business nor having had/sign any contracts with one being Portfolio Recovery. As you questioned, yes Ive attempted to rectify the issue on my own by 1 ) requested validation via the credit reporting agencies directly on XX/XX/XXXX ... the  responses I received were verified except for XXXX who to date, has yet to respond ( I have sent them an additional follow up on XX/XX/XXXX ). I then took it upon myself to contact them ( Portfolio Recovery ) directly on or about XX/XX/XXXX ( attached ). I also pointed out in my letter to them that as per Florida ( where I live ) state licensing that per my credit file, they started reporting this information prior to their current licensing being in active status. They responded providing me with minimal details received from the original creditor ( XXXX XXXX w/whom I currently have an active account ) when they purchased the file XX/XX/XXXX ( as  per their letter which is also attached ). On or about XX/XX/XXXX I followed up to their response advising that while I received their correspondence, I received nothing VALIDATINGanything. They simply replied that they already responded ( attached ). Im simply seeking assistance in getting this matter resolved.
Consumer complaint received 2018-09-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (MO)

Currently receiving phone calls and mailings regarding a debt owed to XXXX XXXX XXXX XXXX ( servicer ) to  creditor : Synchrony Bank. The debt collector is XXXX. XXXX offers reduced balance amount of : XXXX. They claim a total balance owed of XXXX. 

Daily phone calls plus one mailing. 

I do not owe this debt, as this XXXX XXXX XXXX/Synchrony account is not mine. I did not open these accounts.
Consumer complaint received 2018-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (WI)

I have tried numerous times to inform this company that the debt they are attempting to collect does not belong to me due to being a victim of identity theft from a very close relative who once lived with me. The company has been completely resistant to removing the accounts from my credit report, despite the account being outside of the statute of limitations for enforcing the unauthorized contract. Their resistance has cost me a great deal of money and I can no longer afford to wait for them to do the right thing. I have filed a civil complaint against the company to recover a small portion of the financial damages caused by the company 's willful negligence. I have submitted affidavits of identity theft, complained to the credit bureaus, complained to the CFPB, complained to the FTC, with no avail. I am willing to drop the civil case if this unauthorized account is removed from my credit reports prior to XX/XX/2018. I have a pending acquisition that I must secure funding for prior to XX/XX/2018 and I need time after the entry has been removed to do so. If we can not come to some form of agreement I will just take the {$10000.00} award I am most certain I will obtain after the hearing on XX/XX/2018.
Consumer complaint received 2018-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (IL)

With the recent issues of my checking account with Chase, with my funds not be accessible because the account being deposit only for several days. I was unable to pay several bills because of this. I am looking not only for the funds that I've lost due to being stolen from me via my online checking account. I'm also looking for Chase to repay me for late fees that have accrued due to my account being inaccessible which totals {$25.00} for my XXXX XXXX credit card and {$27.00} for my XXXX XXXX Credit Card.
Consumer complaint received 2018-09-08
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: Experian Information Solutions Inc. (NM)

My car company incorrectly reported a late payment for XX/XX/XXXX, then corrected it. After paying off the loan, as agreed, there was a computer generated error which caused this inaccuracy to be reported. They also reported that the account was closed versus " Paid as Agreed. '' All credit reporting agencies have corrected these inaccuracies, except Experian. I submitted a Dispute and received a letter that the information was correct. However, it is not correct. I do not believe they investigated this fully. If they had ( like all other reporting agencies ) it would have been corrected. This has had a significant impact on my credit score and needs to be rectified immediately. 

Report Number : XXXX Date Generated : XX/XX/XXXX Account NameXXXX XXXX XXXX Account NumberXXXX Account TypeAuto Loan ResponsibilityJoint with XXXX XXXX Date Opened XX/XX/XXXX StatusPaid, Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment Amount - Monthly Payment {$0.00} Original Balance {$14000.00} Highest Balance {$0.00} Terms 106 Months XXXX XX/XX/XXXX XXXX XXXX Reinvestigation Information This item was updated from our processing of your dispute in XX/XX/XXXX.
Consumer complaint received 2018-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (DC)

I have repeatedly provided Discover Card with proof that this account was opened without my knowledge or consent, but they insist on forwarding me copies of statements that I never received. 

And now I know why! 

These statements weren't sent via U.S. Mail ; they were sent electronically. 

I am asking you to request that Discover provide me with the method of delivery for the volumes of statements that they print and send to me everytime I ask for proof that this account was opened by me ( like a signed contract ). Note : they have yet to provide a signed contract ; all other " proof '' they provide actually works against them and further proves my point that the account was opened illegally.
Consumer complaint received 2018-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MN)

On XX/XX/2018 I noticed my credit score drop due to a mysterious collection account. The account was from CCS Financial Services, and said that I owed {$89.00}. 
I have never had an account of any sort with CCS Financial Services. This debt is not my debt, and I don't owe your company anything. No contract was never established with your company. This debt is erroneous.
Consumer complaint received 2018-09-08
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: Experian Information Solutions Inc. (AR)

In XX/XX/2018 I disputed an inaccurate account with Experian the account which is XXXX XXXX #. XXXX Experian investigated and it came back verified. in XXXX I sent in a certified letter to Experian for a Method OF Verification,,, this is my right to see and look over and see who verified the account with the credit bureau and the creditor. I have enclosed a copy of the letter that was sent to Experian via mail certified and the mail receipt that they received the letter, The letter dated XX/XX/2018 sent on XX/XX/2018 Experian got the letter on XX/XX/2018,,, i have copies of the delivery receipts On XX/XX/2018 i was notified that Experian completed there investigation with the account XXXX XXXX, they failed to send me what I requested, how they investigate it and complete the investigation and failed to send me the Methods of verification that I request, I am a consumer and I have rights to request the method verification.. Experian have violated my rights and need to remove the account from my credit, ,I am considering filing a small claims for the non-compliance.. this is not right, I have sent letters also asking for the original contract and they failed to send the proof that I am entitled to ... delete the account from my file,,, a debt is not valid unless there is a original contract signed by me the consumer and I have rights to see the original signed contract and to see there method of verification, ,if they did a 100 % verification then I should have been allowed to see the names and address and phone number of the people that verified the account with the, Experian violated laws and my rights and refused to send me what I Requested. per the FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your company. Experian received the certified METHOD OF VERFICATION Letter from me. They still refused to send me what I am entitled too ... this is not right,,, delete it please off my credit file,, is not right to violate my rights to what I am entitled to,,, I have enclosed the copy of the letter and the certified letter mail receipt and the delivery notification,,
Consumer complaint received 2018-09-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

On Friday XX/XX/XXXX at approximately XXXX Credit Acceptance Corp withdrew an unauthorized amount of {$390.00}. Again, on Friday XX/XX/XXXX at approximately XXXX, Credit Acceptance withdrew an authorized amount of {$500.00}. 

I called the customer service line at XXXX on Saturday, XX/XX/XXXX and was told by XXXX there was " nothing she can do for me to refund then near unauthorized {$900.00} taken '' from my bank account. XXXX proceeded to make me feel as though I was trying to scam the company, claiming " someone in your house processed two payments '' ( which I told her was not the case. Nobody was on the computer at this time ) and refused to help on the matter. 

XXXX then advised me to call my bank to dispute the charges as " there is nothing she could do ''. I proceeded to call my bank, XXXX XXXX, who were both surprised and alarmed Credit Acceptance would not assist me in the unauthorized payments. 

XXXX XXXX processed two disputes on both payments. I fully expect Credit Acceptance to accept these disputes.
Consumer complaint received 2018-09-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PPCC, Inc. dba Allied Collection Resources, Inc. (CA)

Received 1 phone call on Thursday from debt collector for a 60 day past due debt. Called back the next day Friday and offered to pay in full the balance due + reasonable collection fee Debt collector said he was not reducing the collection fee of {$660.00} for 1 phone call attempt. Will not reduce fee or explain how it calculates to {$660.00} {$2400.00} Statement {$660.00} Collection Fees {$3100.00} Total Due
Consumer complaint received 2018-09-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I've filed a dispute with Transunion and XXXX requested an investigation on collection transactions filed against my credit report from XXXX XXXX XXXX XXXX, whom has violated the FCDPA law, reporting an old debt that is more than XXXX  years old. According to FCRA law, consumer reporting agencies may not report outdated negative information that is more than 7 years old, which in this case the debts were XXXX years old. 

The consumer reporting agencies did not investigate this matter, they simply sent me a letter stated " Information verified as accurate '', which did not resolve the issue. 

According to FCRA law, I demanded that the consumer agencies to remove the collection accounts from my credit report that were filed by XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I regret to say I have not enjoyed being a customer of XXXX. They keep reporting me 30 days late. Im not the only one on this mortgage. My credit is reporting being 30 days late twice. Instead of the company updating the month of XXXX, they placed not reporting. I am taking care of XXXX children all by myself and worked hard to move into a house but not like this. I keep getting letters on the door and two days ago I received a face to face letter. Why does this company keep harassing? Please assist me. I have a baby in a oxygen tank and dealing with so much stress and getting harassed about a mortgage payment is something Im not prepared to deal with. They provided insurance and charged me over 1,200 last month. Is that money going to be credited back to my XXXX mortgage?
Consumer complaint received 2018-08-12
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. (FL)

Equifax has inquiries on my report that I DID NOT authorize, they are fraudulent, and I did NOT give any of the following businesses authorization to run my credit and they do NOT have a permissible purpose! 

XXXX XXXX, XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX XXXX XX/XX/18 XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX  XX/XX/18 XXXX XXXX XXXX XX/XX/18 The above inquiries NEED to be deleted IMMEDIATELY
Consumer complaint received 2018-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (KY)

Im writing because I noticed that my most recent credit report contains late payments reported on XX/XX/XXXX and XX/XX/XXXX for my XXXX account. 

I want you to know that I understand my financial obligations, and if it werent for my mother being in the hospital, being a XXXX XXXX XXXX XXXX, and working full time to provide for my younger siblings while my mother was sick in the hospital, Id have an excellent repayment record. I made a mistake in falling behind, but since then, my mother has recovered and is now working. Since then, Ive had a spotless record of on-time payments. 

Im planning to apply for a mortgage and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to the two past late payments. To help give me a better chance of being approved for a mortgage loan. 

Thank you for your consideration, and I hope youll approve my request.
Consumer complaint received 2018-08-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

I requested Wells Fargo to remove my PMI since I have reached the 78 % LTV the homeowner protection act says is required or automatic termination. They have acknowledged I have met that but say since I have one late payment they can not remove it until next XX/XX/XXXX. Under the HPA it doesnt say you can not have a late payment. This requirement is also not in my closing documents either. Also they have sent me two letters that does not even mention this requirement.