davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

On a recent review of my credit report, I discovered your company XXXX 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 They said that everything is verified and accurate to all three credit bureaus but it is Based in there word without any physical evidence. They must produce also produce the above or delete or entry from all 3 credit bureaus.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$250000.00} XXXXXXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$250000.00} XXXXXXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$250000.00}
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-01-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TekCollect Inc. (MO)

I called on XXXX and spoke with a representative on the phone. I was unsure of who the company was that they were collecting the debt for. I discovered it was for a medical debt. The debt is for a bill {$480.00}. The collection I was sent added in their interest charge of {$12.00} making the medical debt now {$500.00}, please note that this interest is not from the medical provider. This debt was not an interest-bearing debt before this company took this debt to collect on it. Also, the state of Missouri does not charge interest on medical debt unless a prior agreement is made and signed off on. Also, the representative on the phone stated that since the company has taken on the debt, it is their interest that they will be charging for handling this debt, which I have not signed nor agreed to. my only option to avoid paying interest or garnering further incurring interest would be to pay this debt in full with the original provider or to pay their {$500.00} in full.
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO Bank, N.A. (FL)

I opened a new checking account with BMO back in XXXX of XXXX online and set up bi-weekly deposits from my employer in the amount of {$1000.00}. I have been scheduling a withdrawal from XXXX around the same day after the payroll deposit to XXXX XXXX which is earning interest. I had no idea my account would be closed. I still have a direct deposit already processed thru my employer that's set to be deposited on XX/XX/XXXX. XXXX never indicated I was not in compliance with their rules. In fact, today I received a notification my statement was available, although upon logging in, I have no visibility to my account nor any current or past statements. BMO has removed any access. Extremely frustrating and they are unwilling to reopen the account. XXXX notification given.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

They efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Benuck & Rainey, Inc. (ID)

In XXXX I received a statement for a medical bill from XXXX for around {$420.00}. This bill was for a XXXX XXXX my daughter following a XXXX XXXX. The doctor had me sign a document at the time confirming they would bill me separately and informed me the XXXX  generally cost around {$50.00}. To my surprise, the bill was over {$400.00}. 

I called XXXX after receiving the bill in XXXX and asked to set up a payment arrangement. The advisor confirmed a payment plan was set up for {$78.00} a month. I made a {$78.00} payment in XXXX. In XXXX, I did not receive a bill outlining a new minimum payment. I called in XXXX after realizing I never received an updated statement. In XXXX, the advisor informed me the prior advisor did not set up a payment plan, apologized, and confirmed she would set up a plan for {$60.00} and stated I needed to make the payment by my payday as promised. She confirmed I would receive a statement outlining a new minimum payment and due date. I never received a statement with this information. I went ahead and paid the {$60.00} payment in XXXX and XXXX online with the understanding my account was now on a payment arrangement. 

On XX/XX/24, I received a letter from a Benuck and Rainey Inc, a collections agency stating I owed a debt for {$290.00}. I did not recognize the company who was listed as XXXX XXXX, or the amount so I called the collections agency. They informed me this was a bill from XXXX. Despite doing my due diligence and calling on multiple occasions to set up a payment plan and making XXXX payments, XXXX sent my account to collections. 

This practice is unethical and unacceptable. On top of billing exorbitant prices on a medical product that was misrepresented at the time it was received, theyve also not honored their own payment plan, they have lied, and misled me as a customer. 

I called XXXX today and spoke with an agent who had the audacity to tell me this bill was sent to collections because I made my payments online and not over the phone and phone payments wouldnt work for a payment arrangement. Which no one ever informed me. How would a customer magically know this? This is consumer XXXX  to a family who was doing their due diligence to make payments on a debt. XXXX has exhibited unethical billing practices and these actions should be illegal. XXXX should be required to honor their commitment to a payment plan even if they provided incomplete or incorrect information to consumers. 

XXXX informed me today that they would be doing nothing and I needed to make my payments to the collections agency. This is gross misconduct and the company needs to rectify their error. Their agents misled me, did not fully inform me about their payment plans and flat out didnt set them up. 

The company needs to remove my account from collections and once its no longer in collections, I will pay it off right away so I dont have to deal with this shady company who seem perfectly content with customer financial abuse.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (CT)

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a resbonsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/2023 XX/XX/2023. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2023-05-07
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: Synovus Bank (FL)

On XX/XX/2023 I received a strange call about winning the lottery and a free credit card. The person on the other line told me that they will give me a free cruise ship.I denied the request and ask the person how did you receive my information. The person stated to me that they notice on my consumer report I had no credit and I will be a perfect fit for the cruise ship rewards. I hung up the phone and called my local police and notified them of the weird call and scam. The dispatcher of the local police notified me to call all the consumers reporting agencies and notified them of the scam. I also checked XXXX, XXXX, and XXXX consumer reports and noticed many false inquiries that I never did. I even notice addresses and a fraudulent account as well. I even contacted the fraudulent dept of these reporting agencies still no one contacted me back 120 days later.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The following companies made unlawful requests on my personal credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquires. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Ensuring payments are consistently made on time for this account has been a priority, never allowing them to exceed the due date. I'm uncertain about the reasons behind the presence of late payment remarks on my accounts. With reference to 15 USC 1666b, billing errors should be addressed promptly.
Consumer complaint received 2024-04-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently reviewed a copy of my credit report. I was hocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were no open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. XXXX and XXXX account number : XXXX alleged balance {$670.00} XXXX and XXXX account number : XXXX alleged balance {$820.00} 15 USC 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of the law because I am an alleged victim of Identity theft! Please delete these items IMMEDIATELY!
Consumer complaint received 2024-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AMERICAN INTERNET MORTGAGE (UT)

I am filing a complaint against Aimloan.com. Aimloan recently sent me an escrow analysis dated XX/XX/XXXX. The escrow analysis showed there is a shortage amount of {$3100.00}. Also I did not understand why I was charged {$4900.00} for hazard insurance by Aimloan. A couple months ago the Aimloan representative from their insurance department told me my insurance from XXXX is good to go and I didnt need to provide additional information. Also XXXX erroneously sent me a check for {$2200.00} which was supposed to stay in my escrow account. This suggests poor communication with XXXX, poor accuracy and lack of due diligence by Aimloan.com. 

I spoke to Aimloans XXXX  XXXX XXXX on both XX/XX/XXXX and XX/XX/XXXX. I also received a voicemail from XXXX at Aimloans insurance department. She stated that the check for {$2200.00} that came from XXXX should go back to my escrow account soon but she never mentioned why I was charged {$4900.00} for insurance on my escrow analysis statement. XXXX also failed to provide her call back number. XXXX has attempted to contact the insurance department at Aimloan and based on his voicemail from today XX/XX/XXXX, he has not yet received a response. I have attempted to contact the insurance department at Aimloan and the insurance representative failed to understand the situation. XXXX stated to only contact him from now on. 

This has been inconvenient and anxiety provoking ( my mortgage payment has increased by about {$600.00} due to this error ) for me dealing with this issue. I have been a customer of Aimloan and have diligently been paying my mortgage on time for about 7 years. My on time payment history is 100 %. It is disheartening to see such a major error and poor communication from this company.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FREEDOM FINANCIAL NETWORK (SC)

I have three unauthorized hard inquiries on my credit report, and after months of trying to ask XXXX and XXXX to investigate them, they won't take any action. I sent nine letters and seven phone calls to dispute these hard inquiries with no luck to investigate/remove them from my credit report. I never authorized these inquiries. I have no idea what type or kind of loan they are or banks. Never applied and never authorized.
Consumer complaint received 2018-11-16
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. (MA)

On XX/XX/2018 I received a notification that XXXX made a hard inquiry to my credit report. I did not apply for a XXXX XXXX account and my information was used by someone else to open an account. I contacted XXXX and they did not help they told me to contact Transunion to dispute it and Transunion told me to get a deletion letter from XXXX who refused to do so.
Consumer complaint received 2018-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

XXXX XXXX  client XXXX XXXX is a victim of identity theft. His information was used without consent to obtain credit lines and services. While the accounts have been resolved and removed from his credit reports the issue of the address data related to the fraudulent accounts is still being reported. A formal dispute of these addresses was provide dto Equifax XX/XX/2018 certified mail with return receipt. Equifax has confirmed the removal of two fraudulent related addresses however in a credit report provided ( report number XXXX ) Equifax confirmed the same two previous fraudulent addresses as valid and reported the data. This activity is a direct violation of the FCRA and my clients consumer rights.
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC. (CA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I hereby declare that I do not authorize this account due to my refusal to disclose any personal financial information to any collection agency, as it is in direct violation of the FDCPA ( Fair Debt Collection Practices Act ). Specifically, this violates FDCPA Sections 807 and 812, pertaining to false and misleading information, as well as furnishing deceptive forms.

Moreover, the agent handling this account is in violation of 15 USC 1692g, as they failed to provide written notification of this matter five days prior, as required by law. As the original creditor, I reserve the right to validate this debt, which I do not acknowledge or validate.
Consumer complaint received 2023-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY (NY)

on XX/XX/2023 i went to the gas station to fill up my car the amount on the pump was XXXX my credit card was charge XXXX credit card company said they can not help me with out a receipt.
Consumer complaint received 2018-11-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (KY)

AMEX Bluebird has assured me every month that they would refund these chargea.

AMEX has decided that they do not want to refund the money as they loose merchant fees that way. I have attached the form AMEX wanted me to fill out so that you can see exactly what I am talking about. I will also copy and paste the section on the charges that I have disputed every month with them. 

Thanks agin for all your help! 

The merchant XXXX Date US Amount Merchant XX/XX/18 {$19.00} XXXX XX/XX/18 {$15.00} XXXX XX/XX/18 {$19.00} XXXX XX/XX/18 {$15.00} XXXX XX/XX/18 {$19.00} XXXX XX/XX/18 {$15.00} XXXX XX/XX/18 {$19.00} XXXX XX/XX/18 {$15.00} XXXX XX/XX/18 {$19.00} XXXX XX/XX/18 {$15.00} XXXX XX/XX/18 {$19.00} XXXX XX/XX/18 {$15.00} XXXX XX/XX/18 {$19.00} XXXX XX/XX/18 {$15.00} XXXX total {$250.00}
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I've tried calling multiple times to close my checking account with Bank of America. This time, I've been on hold for 45 minutes ( and counting... ). There is no electronic way to do this via the app, website, or email, which seems abusive because the account can be opened online. I should not have to physically go to a branch or wait a ridiculous amount of time on hold for a representative to do something for me that should take a few minutes tops. I've been able to close a checking account with XXXX XXXX in literally a minute by sending them a short message via their secured messaging center online, and the account closing was promptly handled the same day. 

This might cause harm to other consumers like me who must meet requirements to waive BoA 's " monthly maintenance fee ''. This fee will be applicable as long as the account is open, even though it seems to be very difficult to close ( and through no fault of the consumer ). 

I see this type of issue has occurred before with many similar complaints for Bank of America when searching the phrase " wait time '' with filters " Can't close your account '' and " Checking or savings account ''.