davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (AL)

XXXX XXXX XXXX is trying to say that I owe on a military loan that I took out in 2017 from a place called XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX buys bankruptcy claims, according to their website, and I have NEVER filed for bankruptcy. Two, any military personal loans that I have gotten was from a different company and showed paid off in full on my credit report. I have never received any sort of communication from this company, just that I showed up on my credit report a few weeks back. I disputed it and it did not get removed. I am in the process of reaching out to XXXX XXXX XXXX to get some type of paperwork that will prove I have never had an account with them and submit it with my dispute. I was working on trying to get my credit score up in order to purchase a home and this company has really hurt my score. I will NOT pay a debt that is not owed. Also, if what they are saying is true, then why did it JUST hit my account, even though it's never been on there from the other company or them. This company may be a legitimate company but they are trying to commit fraud and collect money that is not owed.
Consumer complaint received 2020-04-15
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: Experian Information Solutions Inc. (VA)

Please remove the following unauthorized inquiries inwhich all are unknown to me. I'm demanding that these fraudulent unauthorized inquiries be removed. 

1. XXXX  ( XX/XX/XXXX ) 2. XXXX/XXXX  ( XX/XX/XXXX ) 3. XXXX XXXX (XX/XX/XXXX ) 4. XXXX  ( XX/XX/XXXX ) 5. XXXX XXXX (XX/XX/XXXX ) 6. XXXX  ( XX/XX/XXXX ) 7. XXXX XXXX XXXX ( XX/XX/XXXX ) 8. XXXX XXXX   (XX/XX/XXXX ) 9. XXXX ( XX/XX/XXXX ) 10. XXXX XXXX XXXX XXXX (XX/XX/XXXX ) 11. XXXX XXXX (XX/XX/XXXX )
Consumer complaint received 2018-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (CO)

I opened a new American Express card with a 0 % APR through XX/XX/XXXX in XX/XX/XXXX. 

I was charged interest on my XX/XX/XXXX and XX/XX/XXXX billing statements. 

When I called in to complain, the associate informed me that 'many customers ' are experiencing this issue. 

While the associate filed a ticket, I find that it is best to be proactive in these matters.
Consumer complaint received 2016-03-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (MA)

Mortgage XXXX US Bank ORIGINAL mortgage taken out by XXXX XXXX XXXX and XXXX XXXX XXXX In XXXX of 2015 I filed a insurance claim against my insurance company XXXX XXXX XXXX company Insurance policy XXXX US Bank ticket XXXX A check was sent made out to myself, XXXX XXXX XXXX ( 2nd mortgage holder ) and US Bank. I signed it, XXXX XXXX XXXX signed off on it and it was sent to US Bank who cashed and still has the money. The check was for {$24000.00} The asked for the check, the insurance adjuster 's worksheet, a signed contract and a contractor waiver of lien. I sent all of that. Then they wanted a XXXX filled out. I sent that. 

Then they said they had no paperwork so I sent it again. Everything goes into the general pool of file loss representatives and no one will take responsibility. 

I finally did get a check for {$20000.00} on XXXX XXXX but it was made out to me and my deceased husband. They have an original of the death certificate and he is not on the insurance, only I am. So I had to return the check and then once again they claimed there was no paperwork. They will not transfer me to a manager, even a voicemail, and no manager has EVER called me. 

All the work has been done by my contractor and I really would like to be reimbursed for all of it. 

At this point I do not know what else to do short of hiring an attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX
Consumer complaint received 2020-06-15
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. (TX)

I have attempted to contact XXXX, XXXX  and Transunion. I have sent mail since XX/XX/XXXX and have yet to get any documentation on the investigation results. My personal information and credit report have so many inaccurate information. It has been past the 30 days and yet to be fixed. 

As per The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I have been violated and remedy asap. 

This section of the FCRA was amended by 602 of the Economic Growth, Regulatory Relief, and Consumer Protection Act ( P. Law 115-174 ) effective May 24, 2018. 

I will attach discrepancies below
Consumer complaint received 2020-04-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

I consolidated my XXXX XXXX loans in XX/XX/2011. The total number of eligible payments is incorrect. I should be close to 120 eligible payments, but they have me listed at less than that. The loans were serviced through XXXX XXXX and XXXX XXXX and are now with FedLoans.
Consumer complaint received 2020-04-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (DE)

On XXXX-20 received a notice in the mail from the Court of Common Please stating action is being taking against me for a debt that was sold to a third party collection agency without my giving verbal or written consent. I have made attempts to reach the original debtor but they have declined my outreach. I have filed complaints with all three credit bureaus stating the debt was sold which caused a breach HIPAA buy  selling my full name, social security and date of birth without written consent and such actions have violated my consumer rights rights creating financial damages and hardship. This action has contributed to the decline of my mental status and increased stress.
Consumer complaint received 2020-04-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have sent two emails to BOA complaining and had No response as of today. what happened is I have originally applied for a home equity loan in XXXX XXXX and that was solicited to me by my BOA ( bank of America ) website. I applied and furnished BOA about 120 pages of documented proof that they ask for. They were taking a  longer than usual time to underwrite me, but they did manage to add BOA to my homeowners policy and my flood insurance as additional loss payee in XX/XX/XXXX. Since after over two months later they said I did not qualify. I told them I was not satisfied with their out come. So I believe around XX/XX/XXXX a XXXX XXXX ( XXXX ext XXXX ) the manager of XXXX XXXX XXXX ( XXXX ext XXXX ) because as of today they have ask for another document of which was done month who was my contact person for my equity loan application called me and we decided to reapply using my wife 's income also and it would take 3-6 weeks. So I had to call on almost a daily basis to get them to act on/process my new application # XXXX. ( third app FTI ). Anyway they confirmed with me they would use as much from prior app to expedite my. They have continually ask for duplicates etc. and I believe I have been discriminated because of my age and XXXX. Because as of today they asked for the same notarized document they told me they will use the one we furnished previously. I believe this is also fraud.
Consumer complaint received 2020-04-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Action Finance Inc. (TX)

I repeatedly asked every employee including the district manager to not contact me before XXXX, they repeatedly call me before XXXX while I am at work even after I had advised them that my employment could be at risk if they continue to call me. Every employee including the district manager still calls and argues that they can keep calling me regardless of my ongoing efforts asking them to call after XXXX. I have made arrangements on the account with the exception of being past due 2 days, the manager advised me that regardless of my request because I was 2 days late I would receive calls prior to XXXX. I believe I am being harassed and even advised the district manager after several calls prior to XXXX that they are purposely calling me before XXXX. I even have calls from their office and they do not speak, they just hang up the call.
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  XXXX account shows on XXXX  90 % utilization. XXXX  XXXX account paid down to 10 % utilization on XX/XX/2020, and the billing cycle closed on the XXXX.
Consumer complaint received 2020-04-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (MD)

Synchronicity Bank ( @ # 800 service, XXXX, ) twice called my number. The first call I ignored at XXXX XXXX on today, XX/XX/XXXX. I returned the call as they had awakened me, I suffer from XXXX XXXX   and have difficulty sleeping so this early morning wrong number was particularly disturbing. I spoke to XXXX and advised her, after she disclosed my number was linked erroneously to XXXX XXXX XXXX, that this number was not for that account holder, I owe nothing to them and demanded they stop calling me. The phone calls are recorded. I received a SECOND call at XXXX, same day, which I answered. Was connected, again on a recorded line with XXXX who I repeated the demand to cease all calls to this num, which I provided to XXXX. Please tell this creditor they have the wrong number and please also notify XXXX XXXX XXXX that Synchrony bank is illegally disclosing protected information to me, a third party, for whom Synchronicity has absolutely no authority to disclose.
Consumer complaint received 2024-03-21
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 received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-03-21
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PMAB,LLC (WY)

I am requesting that you provide verification of this debt. 
Send the following information : The name and address of the original creditor, the account number, and the amount owed. 
Verification that there is a valid basis. 
Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 
Whether this debt is within the statute of limitations and how that was determined. 
Details about your authority to collect this debt : provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 
I need more details about what you claim I owe so that I can make an informed decision.
Consumer complaint received 2020-04-15
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)

I received a debt collection from Resurgent Capital Services who is also affiliated with LVNV Funding LLC for two accounts a Visa and MC in XX/XX/XXXX. I immediately called Resurgent and requested verification of the two accounts trying to collect on and was in turned asked for me to send proof the debt was not mine. I informed the individual it is not my role his company was reporting the debt and should validate. A day later I received notice from my credit reports that the two accounts were reporting on all three credit bureaus reports ( XXXX, XXXX  and XXXX  ). I immediately  sent a written letter requesting verification of the debts in XXXX within the 30 days debt validation. 

I received letter dated XX/XX/XXXX that appeared be system automated response ignoring my validation request informing me the information I provided was insufficient to support my claim. It was totally obscured. I sent a second certified request validation letter of which Resurgent in return sent a partial statement appearing to be restructured reporting the amounts in dispute but no further validation of debt, the agreement, their collection rights in my state, age etc as requested within my letters. They never stopped collection activities and removal of the accounts from the credit bureaus as per FDCPA requirements. It appears they intentionally send minimal information to prolong the issue with no intention to validate or delete from the credit bureaus. I have copies of all correspondences. 

I have written to all three credit bureaus and provided the correspondences as evidence and they have done nothing. They claimed the debts were validated. How could the debt be validated when I have not received validation? LVNV closed the accounts reporting on XXXX but did not delete them.
Consumer complaint received 2020-04-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: HSBC NORTH AMERICA HOLDINGS INC. (NV)

I recently have submitted a Frad claim to HSBC and now they won't accept it!!! i'm not sure why during a time like this! COVID19 is our enemy and HSBC isn't helping nobody and Nobody should bank with this company!! I want the world to understand and see this and a bank like this is horrible!
Consumer complaint received 2024-02-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (UT)

A XXXX XXXX XXXX XXXX, XXXX XXXX, desired to purchase a new piece of construction equipment for our XXXX, but growing business. We had searched auction sites and advertisements for used construction equipment for weeks. We came across some advertisements for used XXXX XXXX, and we reached out to the seller and indicated our interest. 
A sales representative, or so we thought, contacted us about the piece of equipment that we were interested in. The seller sent videos, photos, website information, serial numbers, XXXX, and other information that all indicated they were running a legitimate business. 
We moved forward with the purchase of the piece of equipment and the seller sent us the executed contract in exchange for a wire transfer in the amount of {$73000.00}. The money was wired, and shipping information was provided. However, the shipment kept getting mysteriously delayed and never actually arrived to the project site. Weeks went by and the seller has disappeared, along with our money, and we have completely lost contact. 
I went into the XXXX, Wells Fargo branch, where I originated the wire transfer, on XX/XX/XXXX. I met with XXXX who is the XXXX of the XXXX branch. XXXX indicated that there was little that Wells Fargo could do, even though the account I transferred the money to was another Wells Fargo account. They indicated that I was likely just out of luck. 
A bank should be able to retract funds in the event of fraud.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AR)

These are unauthorized inquiries ( XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX ), which I have not approved or given written permission to furnish in my credit report.
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX/XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-04-15
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (MD)

I was charged {$1300.00} by XXXX XXXX for a flight. I have never ever even heard of this company. I contacted chase to inform them that I did not make or authorize this transaction i did not travel that year and did not have plans to! The worst part about it is i dont possess a passport to travel in the first place. They said they understood and would reverse the transaction that no other thing would be needed on my part. Then without notice i was recharged for it this week with no explanation and hung up calls.
Consumer complaint received 2020-04-15
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REVERSE MORTGAGE INVESTMENT TR (NJ)

A reverse mortgage for {$330000.00} was taken out on a home that was owned by myself XXXX XXXX XXXX and several other people without our permission. After the home was sold in 2019, there were almost no proceeds to distribute to the those heirs due to this loan. The loan was obtained through Reverse Mortgage Funding, LLC.
Consumer complaint received 2020-04-15
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. (GA)

I am writing this due to non-compliance with the CRA ( Equifax ). They have failed to provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they failed to provide the method of verification as required under Section 611 ( a ) ( 7 ), which includes, but not limited to the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when they initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. The company came back and said that the accounts are accurate but have not produced any documents. I wrote them, along with a copy of my credit report outlining the inaccurate information. The only thing they did was send me another consumer report with the same information as before. I don't believe that they did a proper investigation in this matter. These were some blatant inaccuracies and violations on my credit report per FCRA. My confirmation # is XXXX Note : This is my second complaint.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Blackhawk Finance (IL)

I have reviewed my credit reports and I see that a company by the name of " Blackhawk Finance '' has placed a charge off on my reports. I have no recollection of said account with the company. The company is out of business according to the Better Business Bureau nor is it accredited.
Consumer complaint received 2020-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I've reported these fraudulent accounts with the proper channels, now im re directing it back to the credit reporting agencies with a demand to remove and block the following unauthorized and unknown accounts. Please remove these accounts immediately. 

1 ) XXXX  XXXX XXXX  XXXX XXXX 2 ) XXXX XXXX XXXX {$610.00} 3 ) XXXX  XXXX  XXXX {$68.00}
Consumer complaint received 2018-01-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

I made a wire transfer to Coinbase XXXX days ago. I contacted my bank the XXXX XXXX XXXX, which I believe is the XXXX XXXX, but they both claim the money went through a long time ago. I submitted multiple inquiries through email, twitter for days but no one replied. I tried to call them but they said they could not handle money transfer through the phone or do not even pick up the phone.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (GA)

Wellsfargo closed an payee account XXXX took money out my acct. I contacted them n they put it back than a month or 2 wellsfargo took the money they put in my acct & made my acct overdrawn and than they closed it..