davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-25
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: Experian Information Solutions Inc. (FL)

On XXXX XXXX XXXX  I contacted all three credit bureaus, XXXX XXXX, XXXX and Experian to add fraud, alert to my accounts and provided police report documentation along with documentation to identify myself. On all three credit reports, there are names associated with two fraudulent accounts that were reported to the credit bureaus, my accounts still display names that do not associate with me I have requested verbally over the phone on XXXX XXXX to all three credit bureaus that my information reflect as follows Only one name report to all accounts, which XXXX XXXX Only one address report to all three accounts, which is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX I have requested the following information be removed from all three credit bureaus as they were related to fraudulent accounts XXXX ) XXXX : - Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX - Address : XXXX XXXX XXXX XXXX, XXXX, FL - Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX Fraudulent accounts : XXXX XXXX XXXX XXXX account # XXXX XXXX ) Experian - Address : XXXX XXXX iXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX - Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX - Name XXXX XXXX XXXX XXXX - Name : XXXX, XXXX - Name : XXXX, XXXX XXXX XXXX Fraudulent account XXXX XXXXXXXX XXXX XXXX account number XXXX I have submitted all proper documentation relating to death and burglary from the XXXX XXXX police department I have received correspondence from both Experian and XXXX stating they have updated the accounts properly and will not remove fraudulent accounts.
Consumer complaint received 2015-08-20
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NC)

TIME IS OF THE ESSENCE! 

XXXX XXXX has been determined to be XXXX by XXXX. XXXX has designated someone to deal with Wells Fargo on his behalf, to explain details. A form for designating this person needs to be provided by Wells Fargo. 

Wells Fargo Representative, XXXX XXXX? XXXX XXXX XXXX XXXX XXXX left voicemail. when that number is called, someone else answers. XXXX XXXX needs to not be given the run-around, but have assurance that his concerns are being addressed. 

A voicemail was left at the above XXXX XXXX # XXXX ) for a single point of contact with Wells Fargo . 
2 ) for a modification packet to be delivered to XXXX XXXX XXXX XXXX .. 
3 ) for a Wells Fargo form to be XXXX, in order to be signed by XXXX XXXX to have a designated person to assist with transaction details.
Consumer complaint received 2023-01-25
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)

As of today XX/XX/XXXX, I have sent 8 faxes to Equifax with an FTC report, a copy of my driver 's license, and my social security card. I have called more than 5 times for them to remove all the fraudulent inquiries that are on my credit report and all they do is NOTHING. Here is the list of all of them : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pittenger Law Group, LLC. (KS)

I received a dunning letter from a law firm signed by an attorney. I sent a timely response disputing the alleged debt and demanding that he cease and desist from any further collection activities until he had validated the alleged debt. He sent me more dunning letters without proper validation. 
A partner in the law firm filed a state collection lawsuit against me. In court, the attorney is shifting the burden of proof onto myself, the defendant.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2023 my Capital One Credit Cards ending in XXXX, XXXX, XXXX, and XXXX were all close due to a glitch on their end. I removed a bank account and closed it but Capital One continue to try and pull funds from the account although I added my XXXX XXXX XXXX account and they were receiving payments in full every month. 

I would like my accounts reopened immediately.
Consumer complaint received 2017-03-31
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

onXXXX 2016 while apply for a new apartment my wife and I found out that we have a judgement that was entered on our credit report for the amount of XXXX for Portofolio recovery. we called them to knew more about the debt. they reffered us to their legal department that is base in North Carolina what is XXXX. we contacted them also to knew more about the debt, the loan. they tald me that the amount of debt was XXXX and we ask them for the original contract and they said, it has been requested and we will get all document supporting the jugment on our credit report, we wait 6 months we did not receive any supporting document just the bill the last couples of day I called them again and again .they seems not to give us a satisfactory responses that is why i am filing this complain
Consumer complaint received 2016-04-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (IL)

I have a mortgage and I requested a modification that was approved in XXXX 2015. I am filing a complaint because I believe that the terms are unfair and put me in a worse off position than I was. The terms are for 40 years and there is a huge deferred balance that is not explained that is due at the end of the loan. I am was not behind {$83000.00} which is the deferred amount. What is this, how was it calculated and how am I supposed to pay this new loan for 40 years.
Consumer complaint received 2023-01-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION (VA)

car purchased in XXXX loan with Truist bank I've been on autopayment since XXXX and was supposed to pay off my loan this month. 
Truist policy : on the last month of a auto loan, the automatic payment is cancelled and i have to manually pay. 
I didn't know this. I was charged a XXXX late fee on XX/XX/XXXX and another XXXX late fee on XX/XX/XXXX. 
I believe this is an unfair and deceptive practice that has led to extra charges, delinquencies and frustration. 
The result is I am being punished and Truist is making more revenue. 
I've been a good customer for then entire loan and have never missed a payment.
Consumer complaint received 2018-03-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX, I applied online for a BBVA checking account under a {$200.00} cash bonus promotion that required the account be opened between XX/XX/XXXX and XX/XX/XXXX. Although BBVA did not open the account until XX/XX/XXXX, the bank told me I should be eligible for the promotion as I had applied during the promotional period. The promotion called for the {$200.00} bonus to be received within 60 days after the posting of a direct deposit of at least {$300.00} within 60 days of account opening. I satisfied the direct deposit requirement onXX/XX/XXXX. I have yet to see the bonus deposited to my account. I have reached out to the bank via secure e-mail and by phone to no avail.
Consumer complaint received 2015-05-20
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: COMMUNITY CHOICE FINANCIAL, INC. (TX)

Monday morning at XXXX, I received a unknown number leaving a voicemail in a aggressive manner that if I do n't call back they will have someone pick me up where I live. It 's a payday loan from cash central. My bank account I had was closed at the time because they kept trying to take money out causing it to closed. Now they saying by XXXX XXXX, I can pay {$680.00} or {$100.00}. I never even received no email or letter. So I think they are lying and I do n't appreciate them calling my XXXX house threatening me and rushing to make a payment. Their are tons of people who owe {$4000.00} XXXX XXXX and getting away with it.
Consumer complaint received 2023-01-25
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. (CA)

According to 15 U.S.C. 1681i XXXX, XXXX XXXX Trans Union shall, free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and RECORD the Current Status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

The credit bureaus mentioned above have absolutely Violated my rights numerous times. I have attached my disputes for each credit bureau, my identification information and the certified receipts for when I sent my disputes to each credit bureau.
Consumer complaint received 2023-01-25
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)

As of today XX/XX/XXXX, I have sent XXXX faxes to Equifax with an FTC report, a copy of my driver 's license, and my social security card. I have called more than 5 times for them to remove all the fraudulent inquiries that are on my credit report and all they do is NOTHING. Here is the list of all of them : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC (VT)

On Friday XX/XX/23 I received a call to my cell phone at XXXX am from E*Trade phone number XXXX claiming a fraud has been committed with my debit card and it needs to be canceled and replaced. I only picked up because I believed you were calling me about a charge dispute with XXXX XXXX which they never addressed to my disappointment. 
During the course of that call, I heard the same hold music I hear when I call E*Trade Bank and I received codes through SMS messages in the same stream where I usually receive their SMS messages. 
There was no reason whatsoever for me to believe that call was not from them. And I was distracted and rushing to get out, so I shared confidential information with a person I had no reason to believe was not their agent. 
And the person committed wire fraud by wire transferring nearly the entire content of my checking account during that conversation. I do blame Etrade for not stopping that : I believe such a transfer should have triggered their fraud alarms and been stopped immediately locking my account, particularly occurring XXXX minutes after a password change. I have no idea how did that not rise any suspicion. 
He also locked me out of my account, claiming he needed to do that for security purposes and that he would call me at XXXX XXXX to reestablish my online access. 
Once I did not receive that call, I called Etrade, and they told me that the first call was not about fraud but actual fraud. By then I received emails and learned about the extent of the damage. I spent nearly XXXX hours on the phone with their fraud prevention XXXX who said that the transfer would be reversed and money credited to my account, perhaps by Tuesday, which is today, and the money is still not credited back. And today they returned a check for car registration that I mailed XXXX weeks ago and charged me the insufficient funds fee, adding an insult to injury.
Consumer complaint received 2023-02-14
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: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX XXXX XXXXXXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Diversified Consultants, Inc. (MO)

" I was NEVER notified by phone or mail of this debt and it just APPEARED on my credit without notice. Furthermore, it looks like the original debtor of this erroneous debt was XXXX, and they appear to have sold it to Diversified Consultants Inc, therefore the contract is CANCELLED and i should not be contacted about this debt again. Please remove this debt from all bureaus asap. Im trying to buy my first home and this unknown debt is really affecting me '' and being that it was removed from my XXXX credit report it needs to be removed from the XXXX credit bureaus XXXX and XXXX
Consumer complaint received 2023-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America has moved dates of my transactions to other days putting my account into negative. As of Friday, XX/XX/XXXX, I received my job pay. Before XXXX, my account reached a negative balance of - {$110.00}. I called and was told accounting is done after XXXX. Not sure what that had to do with my account because any transaction I did showed my current balance. Saturday morning my account was adjusted ( positive status ) and I was able to put money in my account and use my debit card. By Monday ( XX/XX/XXXX ), my account was low but not negative in the morning. By Monday ( XX/XX/XXXX ) afternoon, my account was negative- {$190.00}, showing no debit or deposit transactions for Saturday ( XX/XX/XXXX ) and Sunday ( XX/XX/XXXX ). By Tuesday ( XX/XX/XXXX ) morning my account was still negative {$190.00}, BOA has NEVER let anything clear without money to cover it! I called customer service and was given the, sorry, theres nothing we can do. I called again, Wednesday morning ( XX/XX/XXXX ) and received the same message, accept this time saying they always do their accounting at XXXX, Mon - Friday?? But all my transactions are done during the day and any changes to my account BOA does was BEFORE XXXX. When I have looked at my account since Friday, XX/XX/XXXX - XX/XX/XXXX, BOA had changed my transactions processing dates again. For an example : I sent {$10.00} thru XXXX on Monday and BOA debit from my account and I have the XXXX receipt ( XX/XX/XXXX ), it now shows it was completed as of yesterday ( XX/XX/XXXX ) .This has happened along with other transactions that BOA sent me an email saying now I need to cover the {$190.00} Bank of America is double dipping by showing in my mobile app a transaction has taken place and then changed the date and then tell me to cover it in my account.
Consumer complaint received 2023-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC (CO)

I had a checking account and savings account with E TRADE Financial and after setting up direct deposit with my employer and funds were available in my checking account, E-Trade Financial placed a block on my account and asked me to send in documents to verify my identity to release the block on my account. After sending in requested documents over and over again, because everytime I'd call in to check status of my account a new representative would ask me to send in the same documents over and over. Finally after calling for several weeks I was advised that my accounts have been closed and at first I was advised that I would not be able to access my funds. Then after escalation I was advised again to send in the same verifying documents to be able to change the account to withdraw status only so they could send me a check of the balance in my account. I called again on XX/XX/23 and the rep that I spoke with again stated that he is unable to locate any of the documents I've sent in and I would have to send them in again. I've been going on over a month now where I have not been able to access the funds in the account that are from my employer. This has tremendously impacted my life in many different aspects as well as causing me to become late on most of my bills because of not being able to access my funds that I worked hard for, because E-Trade has a block on my funds. Everytime I call in the reps never seem to no what's going on based on notes on the account or able to find the documents that I've submitted more than enough times to verify my identity. I desperately need assistance in being able to access my funds in the account whether that's via a check or allowing me to use the debit card one last time to withdrawal the funds. I am very close to losing everything because of not having access to my funds
Consumer complaint received 2016-03-10
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was unable to get a free credit report from ANY of the XXXX companies at www.annualcreditreport.com. I believe this is by design. They ask questions the average person can not be expected to know ( for example the year your home was built for apartment renters, partial phone numbers of relatives, etc. ) and then refuse to provide a report based on the answers, unless you jump through many more time consuming hoops. They make the process unnecessarily difficult. This website was obviously put up to create the appearance of making an effort to comply with the law, while avoiding actually doing so as much as possible. It 's abusive.
Consumer complaint received 2024-04-13
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (GA)

Per NCB Management Services on admission ( per the screenshot attachment ), they opened an account for me on XX/XX/XXXX, but was not reported to all three credit bureaus till XX/XX/XXXX. During that time I did not receive any notice or notification of an attempt to collect a debt according to 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

Also, I have divorce decree from XXXX, resolving me from any debts with the individual in question.