davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (OH)

Back in XXXX I requested assistance with getting a better interest rate or anything with getting a lower payment. They stated U didnt qualify. But in XXXX I received a letter stating my loan was about to be in default for non-payment. I called the lender and they stated that I had not made a payment since XXXX of XXXX ( it was now XXXX XXXX ). I asked how if my payments were automated. The representative stated they did not know. I then called my bank who confirmed that a payment had not been made since XX/XX/XXXX. I asked how if the payments were automated and taken out bi-weekly. She then asked if I did this and I stated no. With further research it was discovered that Wells Fargo did this resulting in me calling them back. When speaking with them they gave me the runaround but a young lady finally transferred me to XXXX XXXX ( she explained what the responsibilities were and believed this is who could handle the matter ). XXXX XXXX gave me the runaround but I finally spoke with a representative who stated that anyone who asked for assistance in the past six months were approved for a forebearance. I informed them that I was denied for any assistance so how was I automatically approved and why was my automatic payments stopped WITHOUT my approval. It was stated that they were doing me a favor. I reiterated that once I was denied there was NO PAPERWORK sent or any verbal and written consent from my for them to authorize this. He then stated that I am still responsible for the money that was past due. I disputed this for many months and had gotten nowhere. I asked for them to provide me with the auto recording giving them permission to stop my automated payments as the recording says that all calls are recorded. They have failed to do this. As time went on I participated in my states assistance program. I seemed the assistance from an organization name XXXX XXXX XXXX out of XXXX, Ohio was paid the money. I later called Wells Fargo back and informed them that despite me personally not paying them they received bail out money from the government to recoup the loss due to XXXX, therefore, they were double dipping and that is against the law. 

As of today, nothing has been done to either give the money back or subtract the amount owed due to it being their fault by illegally making our agreement void by not taking the money out as requested. Nor could they provide me with a recording to allow them to stop payment. As a result, they need to be held accountable for their abuse of power and breaking the law. 
Please feel free to contact me to address any questions comments or concerns.
Consumer complaint received 2024-02-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (NY)

My name is XXXX XXXX, I am a victim of identity theft. I am being claimed that I owe AMSHER COLLECTION SERVIC provided to collect debt for XXXX XXXX XXXX. I have never heard of XXXX XXXX XXXX, and I don't know why someone would use my name and social to make an account with them on XXXX XXXX with the original balance of {$1000.00} with the collection balance of {$690.00}.
Consumer complaint received 2024-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Clark County Collection Service (UT)

XXXX XXXX Operations Manager stated their client has investigated this account and confirmed that they received several forms of identification in the store prior to making the loan. Okay! XXXX XXXX stated a Enclosed is a copy of the contract from XXXX XXXX XXXX XXXX as well as the loan history. I didn't see anything uploaded on the CFBP website of these documents. If these documents are in fact in this collection agency possession I asked for proof of debt validation and still no documents. This Erroneous reporting of this inaccurate account doesn't even have an account number to justify it's accuracy. To give you my ID is a stall tactic to say yes this is your account. Clark County Collection Services isn't licensed to collect this debt nor do I have a contract with this business. This debt was purchased by Clark County Collection Services I already submitted my complaint with the FTC and if Clark County Collection Services continues to insist to report fraudulent information by Furthermore pursuant 15 USC 1692 ( e ) ( 3 ) False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. 
With all that was said above, for each VIOLATION of the FDCPA that you have committed I am entitled to {$1000.00} per violation. You dont believe me? Ok, let me show you what the law says : FDCPA 813 [ 15 USC 1692k ] Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. 
Your Options are as follows : Delete this account and cease and desist with all collection activities ; By the way, if you ever decide to turn this alleged debt over to an attorney to collect and violate my rights under the FDCPA 15 USC 1692 even further, just keep in mind that an attorney can not be a debt collector and a debt collector can not be an attorney. 
FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations You parked this debt on my credit report without giving any notice.
Consumer complaint received 2024-06-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-05-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Social Security # XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The above account is on my credit report. Please send me proof that you are the actual owner of this debt as there are a lot of scams on the internet. I request all communication be sent to my electronic email address : XXXX for privacy reasons. 


Thank you for your cooperation in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

This has been an issue accessing online portal since XX/XX/XXXX. 
XXXX XXXX As of my conversation XX/XX/XXXX, I was told to upload my social and drivers license to the portal in order for the IT department to fix the blocked access. The backend has incorrect information. 
The results said my ID matched. 
My access was not restored. 
On XX/XX/XXXX -XXXX in customer service hung up. I called again spoke to XXXX who escalated again to tech review. She could not unlock the report even though it should be. XXXX
Consumer complaint received 2018-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (CA)

On XX/XX/2018, I closed the secured Discover card ( XXXX ) that I deposited {$200.00}. It is already a month and not received my deposit back. They said it takes 2 months and 10 days. They hold money of millions of people for 2 months for taking financial advantages. They should pay interest on holding millions of dollars they hold from customers.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX continues to open and close my account to reage the original date of deliquency month after month hurting my score. the account was closed with a balance due back in XX/XX/year> and efforts to resolve the balance were not met by the creditor. I contacted the creditor and asked that late payment be removed to no avail. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681. Section 602 states I have the right to privacy and Section 604a prohibits furnishing an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment as late for any purpose. Please immediately remove this inaccurate, unlawful late payment from my credit report. This is seriously effecting my score and continuing to oppress me as an individual. Because of my score ive been denied employment, credit and housing. I would like to ask that late payments be immediately removed from my credit file across all three beaurus. 
It is illegal to open and close the account only in an effort to report.
Consumer complaint received 2024-04-23
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

Recently, my credit card was closed without any reason, despite having a history of no payment delays. Additionally, the closure was related to a payment that couldn't be processed in my Amazon account, which I insisted for months to be charged to my Amazon Store Card. 

For over six months, I used Amazon 's " buy now, pay later '' service. During this time, there were issues with recognizing the return of 3 out of 5 pairs of tennis shoes I purchased. Although the issue was resolved with Amazon 's customer service and I agreed to pay with my Amazon Store Card, I was always asked to change the payment method, adding the Amazon Store Card again. Despite having sufficient funds in my credit card, the payment attempts kept failing, resulting in messages like " unable to process payment, change your payment method '', even though there were no overdue payments on the credit card, nor insufficient funds to perform a {$65.00} transaction, despite the credit on the card being FAR ABOVE.

Most puzzling was that, even after following instructions and waiting for the charge to be processed on the card, the problem persisted. Even after the card was fully paid off, the notice of an uncollected charge kept appearing.

It's surprising that, despite having an impeccable payment history and available funds to collect, Syncronick closed my credit card unjustly. This unjustified closure resulted in the loss of my right to have a credit card that I've always managed responsibly and promptly ( information that can be verified in my payment history ).

Finally, I decided to pay the charge through a phone operator and file a formal complaint, requesting correction of the error, because I knew that if I continued to insist, they would end up marking me with a late payment, collection, which would further harm me.

I believe this problem is an error on Amazon 's platform, which I contacted and they referred me to Syncronick. I've already sent a letter to Syncronick over a month ago without receiving any response. My on-time payments demonstrate that it wasn't an error on my part.

I request a thorough investigation by the CFPB to resolve this matter and restore access to my credit card. Additionally, I ask for compensation for the inconvenience caused by the unjustified closure of my account.

I expect prompt action from the CFPB to resolve this situation fairly and satisfactorily.
Consumer complaint received 2023-06-17
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: NAVY FEDERAL CREDIT UNION (IL)

I submitted a dispute of this information to Navy Federal and received a letter stating that it would be removed and honored. I get an alert from CFPB stating my investigation was done and not honored. So someone is sending out conflicting information and I would like this reinvestigated and removed IMMEDIATELY. I will not honor 30-60 days anymore. I will take legal action.
Consumer complaint received 2024-02-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (CA)

On XX/XX/24 I received a notice from BMO that my password had been changed. I took no such action and immediately call The BMO customer service line and Reached XXXX XXXX I informed her of the situation and she stated that she had to verify my Idenity. She proceed to send me a text and asked me to repeat the number on the text to her. The text clearly stated " We never call to ask for this code '' I informed XXXX of this and she stated that with out the code, she could not verify my identity and proceeded to lock me out of my account and hung up on me. After XXXX, I reached a person in their customer resolution department who would only provide her oiperator number XXXX. I asked for XXXX 's supervisor and XXXX stated she did not know who XXXX was. XXXX insisted that she had to send me a text and I have to read that number to her. I informed her that the text said " We never call to ask for this code '' she just kept insisting that she must verify my identity that way. I asked for her supervisor and she stated " that she can not request a supervisor until she verifies my Identity through text '' I asked agian for a supervisor and she stated that '' upper management does not talk to bank customers '' I then informed her I would walk into a brannch and requsted a call back from uppermanagement. I walk into BMO 's XXXX XXXX branch and was treaded as if I were guilty berfore I could prove myself innocent. I spoike with XXXX XXXX and asked him if I could speak with upper management. All he claimed he could do is verity my Identity and unlock my account.. I asked him to open a case and for a call back from upper management..
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I received XXXX XXXX report consumer ID XXXX. XXXX on there not mine banks I never had accounts with. Email addresses and phone numbers not mine. I was a victim of fraud and waiting for police to send me a copy of the report. XXXX XXXX XXXX  send me an email and said my social security number is on the dark web. I never had a bank account with XXXX  XXXX XXXX or Fifth third bank or XXXX XXXX. Please advise. Thank you. 
XXXX XXXX
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX AND TRANSUNION.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have received information from XXXX XXXX in regards to Acct # XXXX, and I have continuously requested for the information to be removed by XXXX, XXXX and Transunion and to no avail over 6 times. I have attached the response from XXXX XXXX in reference to the account and no account being found. Im requesting that the account and any other deragatory filing in regards to XXXX XXXX be removed immediately. 
XXXX XXXX XXXX Acct # XXXX ( XXXX  ) XXXX XXXX Acct # XXXX
Consumer complaint received 2024-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc. (NC)

Appraisal was done on my property XXXX of XXXX by a realtor that Mr. Cooper sent out which was not accurate with comparison to other homes in my area so they denied the removal of my PMI, since then I have had a screened in porch added and according to a letter from my county on what my home is worth and also what Mr. Cooper has down on my estimated equity and home value I more than qualify for PMI removal but the problem is that I can not speak to anyone at Mr. Cooper. Every time that I call it's a machine that will ask you all of these questions but won't put a representative on the phone so I can get this PMI removed.
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (WA)

On XX/XX/XXXX, I noticed a fraudulent charge on my Citibank XXXX credit card attributed to a purchase from XXXX ( XXXX CA ) for {$600.00}. Immediately recognizing this as unauthorized, I promptly contacted your customer service to report the issue and filed a fraud claim on XX/XX/XXXX. Regrettably, the claim was denied so I called the customer service to enquire about this. They acknowledged that the order was fraudulently placed and advised me to reopen the claim for disputing the purchase. Following Citibank 's guidance, I subsequently reopened the claim on XX/XX/XXXX. Merchant ( XXXX ) was contacted on XX/XX/XXXX. Merchant Responded on XX/XX/XXXX. However, to my dismay, I recently received notification on XX/XX/XXXX that this claim has also been denied and the customer was responsible for the purchase. 

Citibank reached out to XXXX to gather information about the purchase, and XXXX provided information showing that the order had been fulfilled and supplied details regarding the purchase. Citibank subsequently forwarded me ( XXXX ) containing the information provided by XXXX regarding the order. Upon reviewing page XXXX, it's evident that the order was made using my name, billing address, and shipping address. However, on page XXXX, it becomes apparent that the order was shipped to and received at an unfamiliar address : XXXX XXXX XXXXXXXX XXXX, XXXX, TX XXXX, which does not correspond to mine. This discrepancy strongly suggests fraudulent activity, as I neither initiated the order nor received any items. Despite the clear evidence provided by XXXX indicating a fraudulent order, Citibank still rejected my claim.
Consumer complaint received 2024-02-29
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CITIBANK, N.A. (OH)

I spoke to the customer service agent who lied several times to me. I was first told that there was no indication of any deposit pending. After I called back, I talked to another personnel who confirmed that I do have a deposit. I have been lied to by several of the bank employees. I have gotten three or more different answers for the same question. The employee refused to give me her name, or her ID number which I have gotten from several employees that I spoke to previously.
Consumer complaint received 2024-02-29
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC (TX)

I have made several calls to American Credit Acceptance to assist in updating my XXXX with accurate information. My credit report has not been updated since XX/XX/XXXX. The balance current reflect on the XXXX as XXXX on all three bureaus. However that is incorrect. As if XX/XX/XXXX my balance is {$3700.00}. The auto loan company does not report accurately each month as required to do so on FCRA. I have called and sent letters and they have not updated at all. Additionally, they also reflected me over 30 days in an instance and was advised that would be corrected. I escalated to executive office due to an error on their part and they agreed. However, they reported me negatively anyway. Please aide in ensuring they are reporting to all bureaus with updated accurate information. I will attach an XXXX XXXX as proof they have not for view. This is happening all XXXX.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IN)

On XX/XX/2024 received credit report alters from All 3 bureaus alerting me to a new collection tradeline. 

Upon further inspection, none of the reports contained any information other than : date of entry, name of collection agency ( XXXX, and dollar amount {$750.00}. 

I received nothing in the mail. No notice. No debt validation, or anything. 

Upon further review, this company tries to collect on out of statue debts, debts already paid, and debts they dont own.
Consumer complaint received 2023-02-02
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. (CA)

I am worn-out of sending dispute letters to Equifax requesting that they correct this mistaken account being stated on my Credit File because they have been doing nothing! This complaint is to follow up my prior protests and letters I submitted on XX/XX/2023 and to notify them that I am halfway of taking lawful action and litigate Equifax for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXX XXXX XXXX XXXX