davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have contacted Portfolio Recovery on numerous occasion to advise 3 collection accounts which they are reporting on my credit are fraud. I have requested original contracts and yet to provide they just validate debt without proof. When I spoke to them on the phone and asked for open dates they claim accounts where opened over 3 yrs ago yet they show on credit bureaus  as 18 months ago reaging fraudulent debt. One of the debts was previously removed due to fraud and resisted. Another creditor XXXX bank has already acknowledged fraud and acctount not opened on my behalf.
Consumer complaint received 2019-05-22
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY (NJ)

Ive had the Target credit card for several years before they closed my account. Four years ago I lost my full-time job so I was struggling with keeping up with payments. Up to this point I didnt have any problem paying the bills on time. 

Ive contacted the company several times during my financial hardship and kept on stressing that I do not want the account closed, but that I would pay off whatever was on it ; there wasnt a lot. I told them I would keep sending money in, and not use the card, until it was paid in full. Consumers are always told to stay in touch with the creditor, and I did. They kept on assuring me that I was doing the right thing by staying in contact with them, sending in payments even if it didnt cover the monthly amount, and that my card would not be cancelled. 

A few months after I had gotten my balance down to XXXX, and paid off everything ( even the late fees, etc. ), they send me a letter that they cancelled my card. My credit score was climbing back up, and I get hit with this! They gave me the form letter about my credit report saying that I have too many derogatories and too many accounts past due. Now my credit score has gone down because of the nonsense these companies are allowed to create. Now it will be more difficult for me to establish new credit if I need to because of their poor business practices. 

My credit history with them has definitely been extremely good until I lost my full-time job. I now work three part-time jobs and am becoming more financially solvent. This should count for something! 

They lied, their business practices do not keep the consumer in mind, and something should be done to them!
Consumer complaint received 2017-06-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (MD)

Good Afternoon : I am writing to register a complaint against Wells Fargo. I am a XXXX who is paying back loans and working part time weekly doing contracting work as I am trying to find a full time job. There are days when the paycheck I make is in transit just in time to my Wells Fargo account for bills. Even though the money transfer is deposited on the same day, Wells Fargo immediately charges a {$35.00} overdraft fee for each transaction. Over the past year, this has added up to {$770.00}. This has put me in some tough situations as I am  already living paycheck to paycheck. On many, many occasions the overdraft fees ( for each charge ) have cut into my paycheck so deeply that the amount in my account is then insufficient to cover the bills and I incur even more overdraft fees. It 's become very difficult to keep my head above water and only recently have I even become recent on paying my credit cards on time. I am a young adult who has a damaged credit score- who is both working as much as possible ( often 20 hours a day ) - with these incidents- I am not able to With the money and the transactions happening at the same time, it seems unfair for me to be charged immediately- as I have no control when the bill is pulled from my account and when my paycheck is deposited. I thank you for your review of this situation and I appreciate any help you can provide. I am providing details of deposits and corresponding overdraft fees to show correlation.
Consumer complaint received 2019-10-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2019-10-15
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: Onity Group Inc. (IN)

In XX/XX/XXXX, husband and wife applied for a joint mortgage with Ocwen/Homeward. In XX/XX/XXXX, according to divorce decree, wife was awarded home and a quit claim deed was filed to transfer ownership solely to ex-wife. Per the decree, ex-wife refinanced loan in her name only. Loan was modified from joint to individual. In XX/XX/XXXX, PHH took over loan and reversed loan from individual to joint loan again. I have been trying to resolve this issue since XX/XX/XXXX after reviewing XXXX XXXX. So far, I have contacted XXXX  and PHH to no avail. PHH confirmed that the quit claim was signed in XXXX. However, the mortgage is still showing on my credit report. Also, my name is spelled incorrectly with XXXX.
Consumer complaint received 2019-10-16
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. (TX)

I HAVE ROPTED TO FTC, I HAVE WRITTEN EQUIFAX WHICH MAKES SO MANY MISTAKE TO HURT CONSUMERS, AND WRITTEN CREDITOR ABOUT THE INQUIRY
Consumer complaint received 2019-10-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (DC)

I received correspondence from Wells Fargo in regards to a complaint that I filed and much of the information Wells Fargo mentioned was and is inaccurate. For Example : wells Fargo stated that my loan was not in Foreclosure when they received the loan. However, I have a letter from ASC stating that the loan was in foreclosure. Secondly, Wells Fargo has yet to address the claims mentioned by the XXXX XXXX XXXX   which stated that my loan was intentionally denied a modification from XXXX XX/XX/XXXX because of intentional computer glitch which created and/or created inaccurate NPV calculations which denied me an modification. Wells Fargo attached hundreds of thousands of Dollars to the arrears once they did offer a modification in XX/XX/XXXX. Also, upon not completing modification I applied for a tier 2 modification and I was informed by ASC that I did not qualify in XXXX. However, that was inaccurate according to XXXX XXXX /HAMP because I provided evidence that I converted my home to a 2 family which increased the Hamp guidelines from {$720000.00} to {$920000.00}. I also provided rental income to substantiate a tier 2 modification. It is blatant discrimination according to the Justice Department, XXXX XXXX and XXXX XXXX XXXX. I was informed by Congresswoman XXXX and Congresswoman XXXX that if I foreclose and the property is sold my case will be discussed dealt with because of the 10 plus years of neglect and abuse. It's unheard of .... I am asking Wells Fargo to offer me a modification. In conclusion MERS does not have legal claim because Wells Fargo does not Possess the ACTUAL ORIGINAL NOTE OR SETTLEMENT DOCUMENTS BECAUSE XXXX DESTROYED ALL RECORDS. THEY FORWARDED ME THE LETTER STATING THAT THEY DO NOT HAVE ORIGINAL DOCUMENTS. I FOUND THE LETTER THIS WEEK AND WILL FORWARD THE LETTER TO THE JUSTICE DEPARTMENT AND LOCAL CONGRESSWOMAN. THE SETTLEMENT DOCUMENTS ARE DIFFERENT THAN THE ORIGINAL NOTE AND DOCUMENTS.
Consumer complaint received 2017-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I 've been a customer w ith Capital On  e since 2008. I have perfect credit and I 've always made my payments on time, and yet they closed my account with no notice. I was trying to get gas when my card was declined. I called to see what the problem was and they said that they closed my account due to my account not meeting their " expectations of personal, family, or household purposes ''. They said that they sent me a letter about it the day before, but that it would n't have made it to me yet, which they said was the only reason they were  willing to even tell me about it because I had n't actually been notified about it yet. I tried to find out what they meant that I was n't using my account for personal use, and they would n't tell me anything about it. I asked to  talk to a manager and they said it would be 24-48 hours before someone would contact me. This is poor customer service and I really feel like they have a complete disregard for their customer relationships. What if I did n't have any other way of paying for my gas? I would 've been stranded at the gas station. And why? Because Capital One decided that they did n't like the purchases I 've made?? I dont get it. At least let me know that you 're closing my account ahead of time so you do n't put me in a bad situation when I 'm counting on being able to use my credit card. It 's ridiculous. I think they just did n't feel that they were getting enough interest out of me, so they closed my account. I wo n't ever d o business with them ever again, for credit cards or otherwise.
Consumer complaint received 2017-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I have a 30 day late showing on my credit report for  XXXX   XXXX  for Experian from  XXXX   XXXX   XXXX   XXXX . I contacted  XXXX  about this issue because i was never late on a payment. I 've had this account for 7 years and never paid late.  XXXX  advised me that they dont even report to Experian, and havent since  XXXX   XXXX  I contacted Experian and demanded that the late be removed Immediately. All they did was open a dispute for me which is counter productive and time consuming. It should be removed immediately because it is an error on Experian 's part.  XXXX  says that they do n't know how Experian got that data, because they do n't use them to report. I am in the process of doing a refi, and need this to be removed ASAP.
Consumer complaint received 2019-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/XXXX I deposited a $ XXXXcheck from my 401k. Into my  chase checking account The funds were available XX/XX/XXXX. I made a similar deposit, of {$800.00} on XX/XX/XXXX. CHASE is refusing to make these funds available because they say the of possible fraud. I need these funds for living expenses. I am a single father of XXXX daughters and I am between jobs. They say the hold was system generated but cant give me details. According to the terms and conditions of my account, I should at least be able to have access to {$200.00} of the deposit. They say they cant. I asked what was the reason and they said it was system generated. However, this is a small deposit, I have not had repeated overdrafts, and they can trust the account the check is drawn on as I have deposited a check from the same account within the last three months. My account is not new Please help
Consumer complaint received 2019-10-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TX)

National Credit Systems contacted me through mail two and half months ago saying I owed a debt from a previous apartment. That was my first time receiving any notice, bill, or anything regarding the so called debt. I reached out to them because I had already paid the apartments at the end of my lease and had proof. They had me email in proof and said it would be deleted once recieved. I called back the next day and they confirmed paperwork had been recieved and that the account was closed. They also mentioned that I could call back in up to 30 days to confirm this. Today, I recieved a notification through XXXX  that it had just been added to my credit report.

Besides all of this, national credit systems is not even licensed to collect in the state of Texas and I demand this account be closed and  removed from all three of the credit reporting agencies.
Consumer complaint received 2019-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In the state of Missouri one has the right to bring civil action against anyone including a consumer reporting agency who knowingly fails to correct inaccurate file data, and this is the case here. I have on many occasions requested physical certified documentation of the following disputed accounts inwhich you are reporting but never recieved any thing. I also requested the Method of Verification inwhich I asked for all the investigators information inwhich derived to stating that these accounts been verified. What is this persons name and title, and on what date did this take place?, what hour and what was the Method of communication. If all this can not be provided to me then as written within the laws of the FCRA these accounts shall be removed immediately. The following accounts are : [ 1 ]  XXXX XXXX [ 2 ] XXXX XXXX XXXX  [ 3 ] XXXX XXXX [ 4 ] XXXX/ XXXX XXXX [ 5 ] XXXX XXXX {$2300.00} [ 6 ] XXXX XXXX XXXX XXXX {$790.00} [ 7 ] XXXX XXXX XXXX {$760.00} [ 8 ] XXXX XXXX XXXX [ 9 ] XXXX XXXX [ 10 ] XXXX XXXX [ 11 ] XXXX XXXX XXXX
Consumer complaint received 2019-05-22
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. (MO)

In the state of Missouri one has the right to bring civil action against anyone including a consumer reporting agency who knowingly fails to correct inaccurate file data, and this is the case here. I have on many occasions requested physical certified documentation of the following disputed accounts inwhich you are reporting but never recieved any thing. I also requested the Method of Verification inwhich I asked for all the investigators information inwhich derived to stating that these accounts been verified. What is this persons name and title, and on what date did this take place?, what hour and what was the Method of communication. If all this can not be provided to me then as written within the laws of the FCRA these accounts shall be removed immediately. The following accounts are : [ 1 ] XXXX XXXX [ 2 ] XXXX XXXX XXXX [ 3 ] XXXX XXXX [ 4 ] XXXX  XXXX XXXX [ 5 ] XXXX XXXX {$2300.00} [ 6 ] XXXX XXXX XXXX XXXX {$790.00} [ 7 ] XXXX XXXX XXXX {$760.00} [ 8 ] XXXX XXXX   XXXX [ 9 ]  XXXX XXXX [ 10 ] XXXX XXXX [ 11 ] XXXX XXXX XXXX
Consumer complaint received 2019-05-22
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. (MS)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts are stating that I was late when in fact I wasn't..Please delete this negative information reporting on XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-05-22
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. (MS)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

XXXX XXXX XXXX   XXXX XXXX XXXX
Consumer complaint received 2019-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I'm disputing the following accounts in Pursuant to FCRA 611 ( a ) ( 5 ) ( b ), and the fact these accounts are not mines, and unknown and unauthorized by me, and I'm requesting that the 3 major credit bureaus block these accounts. XX/XX/2019, the 3 major reporting credit bureaus response was " accounts verified ", verified by whom, what time, what date, and what physical documentation. And electronic Verification can not be accepted as proof so with that said either your company block these accounts or send me signed, sealed physical documentation of the accounts you and your companies are reporting. Please remove the following unauthorized accounts. 

1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX   {$7300.00} 4 ) XXXX XXXX XXXX {$5400.00} 5 ) XXXX XXXX XXXX {$3900.00} 6 ) XXXX XXXX XXXX {$3000.00}
Consumer complaint received 2021-03-14
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (NJ)

I was approved for the mortgage loan for {$300000.00} and documents signed and sent back to the office and disclosures and mortgage payments plan to be setup with the Quicken Loans company in spite of credit score. After time a problem rejected for unfounded reasons. Discrimination against me! Now resort to the Rocket XXXX affiliated with the Quicken Loans company. I signed the contract and my real estate agent XXXX email address is waiting for the process to be completed by the company. I inquired to the Civil Rights Commission and other government offices. Now still homeless and seeking loans, credit cards to live comfortably for food, etc. No transportation to get where I would like to if a distance.
Consumer complaint received 2024-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (NV)

I have a checking with SOFI bank. I had a wire incoming deposit on XXXX XXXX XXXX On Friday I got an email that they account was frozen and to call. So I did. I gave all the information on the deposit and was told should be clear in an hour. It was not. Ive continued to call everyday and I get no where. Ive asked to talk to manger or team thats freezing account and I get no where. 

I know wire rules and the wire is legit income and its processed and not retractable. There is no reason to have account held. But Sofi doesnt care.
Consumer complaint received 2019-05-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (NC)

{$11000.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$320.00} XX/XX/XXXX Collecter : Medical Data Systems DBA Medical Revenue Service Original biller : XXXX XXXX The above three amounts are all from the same medical procedure. The dates following each are when the accounts were open. These numbers/dates are followed by the name of the debt collector, then the name of the medical facility where I first incurred this debt. 
I had a medical procedure in XX/XX/XXXX. I was assured that it was entirely covered by my XXXX and signed all the required documents to have my insurance billed. This procedure would never ever have been done if I had been told XXXX   wouldn't cover it and as far as I knew - until very recently - it was. I didn't receive a bill nor a phone call from the doctor 's office. I imagine if there was a problem with a patient 's bill, especially when that patient is a XXXX recipient, a medical office would feel obliged to contact their patient and let them know they could possibly owe over {$12000.00}. I am devastated. I've been working towards rebuilding my credit and recently got it above XXXX after it being over XXXX lower last year. I have no reason to believe XXXX didn't pay for this XXXX and, by the looks of it, I'm being held responsible for the entire cost. This is not ok. My husband ( who is XXXX ), my son and I live in subsidized housing and have to try hard to get by. This procedure was a elective XXXX XXXX. I would have happily found other forms of XXXX XXXX if I thought I would have to deal with this disaster. I am just so upset and as I said, as far as I know, this was covered by insurance! It was discussed with my doctor and the secretary and I NEVER RECEIVED A BILL
Consumer complaint received 2019-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TransUnion has added names to my credit profile that are not mines they are for someone else with a totally different name and have included a unpaid debt not belonging to me on my report and they have yet to remove it. I pay all of my bills on time where I the world this this debt come from? Not my Name and not my debt!
Consumer complaint received 2019-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Dear Sir or Madam, I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.