davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (VA)

In 2018 I was in a car accident and I rear ended and was found to not be at fault. Any medical bills from this accident should have been billed and paid by my car insurance provider XXXX XXXX. XXXX  XXXX is reporting a collection amount of {$860.00} on my credit report. Not only that but they have committed fraud by reporting it like it is a new debt as an opened account several times a month to purposely affect my XXXX XXXX. They reported as a new opened account to transunion on XXXX and caused my XXXX XXXX to drop XXXX points. This is fraud.
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc. (HI)

Good morning, I am currently having issues getting reports through all 3 credit bureaus. I feel like I have been breached through XXXX back in XXXX. All 3 bureaus have different scores from each other. When I am able to look at old reports there is Inquiries that I haven't made. Also, in XX/XX/XXXX I had to file a fraud to my bank ( XXXX XXXX XXXX XXXX ) and XXXX because someone set up an account in my name through XXXX XXXX with a credit line and money loan and spent {$500.00} on gift cards through credit line and {$500.00} with a personal loan that went to a XXXX XXXX account. I did get reimbursed, but I feel like that's what's causing inaccuracy and problems now. Since im more involved in my credit report due to Medically retiring out the XXXX I have been running into problems like report info not being correct to Credit apps saying my info doesn't match the database. I also typed in my social to the XXXX settlement page and it does say I have been affected. I wish to see reports and info from XXXX and now too because I did get an alert stating my social, email addresses and passwords were leaked to the dark web. Sorry for all this info but I am pretty stressed trying to fix all these problems.
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

Good morning, I am currently having issues getting reports through all 3 credit bureaus. I feel like I have been breached through XXXX back in XXXX. All 3 bureaus have different scores from each other. When I am able to look at old reports there is Inquiries that I haven't made. Also, in XX/XX/XXXX I had to file a fraud to my bank ( XXXX XXXX XXXX XXXX ) and XXXX  because someone set up an account in my name through XXXX XXXX with a credit line and money loan and spent {$500.00} on gift cards through credit line and {$500.00} with a personal loan that went to a XXXX XXXX account. I did get reimbursed, but I feel like that's what's causing inaccuracy and problems now. Since im more involved in my credit report due to Medically retiring out the XXXX I have been running into problems like report info not being correct to Credit apps saying my info doesn't match the database. I also typed in my social to the XXXX settlement page and it does say I have been affected. I wish to see reports and info from XXXX and now too because I did get an alert stating my social, email addresses and passwords were leaked to the dark web. Sorry for all this info but I am pretty stressed trying to fix all these problems.
Consumer complaint received 2019-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SMITH, ROUCHON & ASSOCIATES, INC. (MS)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2019-12-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (SC)

I requested validation not verification of a debt being reported on my XXXX  credit report from Americollect in the amount of {$210.00}. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand the disclosure to me all of the documents that Americollect Inc.have recorded and retained in their file at the time of my request concerning the accounts that are reported in my credit report. Americollect responded to my request by saying that these accounts have been verified, I specifically asked for validation. Americollect has responded with a bill that does not prove that this debt is mine, nor does it have my signature, nor does it have any proof of a contract that I had with Americollect or the XXXX XXXX XXXX who is listed as the creditor on the response from Americollect. It also has an incorrect DOB for me listed as well. The itemized statements that were sent by Americollect do not even list the same company as the creditor as it is reporting on my credit report. Americollect is not licensed by State of SC. I want this information removed from my credit report immediately.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (MD)

Between XXXX early XXXX wellsfargo I felt stolen myself XXXX and XXXX  benefits and applied my benefits to over drafts myself had no clue about view XX/XX/XXXX through XX/XX/XXXX wellsfargo did myself an unjust service and did not care regarding investigation myself request
Consumer complaint received 2022-01-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants' Credit Guide Company (TN)

Ok, first off I filed a dispute, and then I get another collections on my credit report. Well that is not appreciated and not very good business tactics. I Mean I have no idea who u are or what debt ur trying to get but im the wrong person.Everytime I have tried to get this off of my report it ends up right back on there WITH NO EXPLANATION! so there for if this is not off my credit I will get a lawyer IMMEDIATELY. I have a family to raise and all this covid 19 going on and now I have to deal with a greedy company trying to give me the SAME DEBT TWICE SO THEY ARE TRING TO CHARGE ME IM ASSUMING FOR THE SAME DEBT UNDER 2 DIFFERENT COMPANY NAMES " MERCHANTS CREDIT GUIDE '' AND " XXXX XXXX '' THAT ALONE IM CERTAIN HIGHLY ILLEGAL! AND ME NOT EVEN KNOWING WHO U ARE TO START WITH. NO ITS NOT GOING TO WORK LIKE THAT IM NOT THAT PERSON. SO THIS NEEDS TOOK CARE OF AS SOON AS POSSIBLE CAUSE IM NOT PAYING SOMETHING THAT IS NOT MINE UR TAKING FROM MY FAMILY WITH ALL THIS AND I DONT TAKE THAT LIGHTLY. SO THIS IS ME ASKING NICELY TO TAKE IT OFF MY CREDIT REPORT.
Consumer complaint received 2021-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-01-22
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. (VA)

I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX dated XX/XX/2023 - XXXX Credit Review XXXX on this letter! 
that I applied for credit and I did not : Reference # on the letter - XXXX * Unable to verify identity information was reported on this letter which created a hard hit Inquiry on my Credit Report, I called the company and reported Identity theft to XXXX Credit Review to please remove this hard hit as it says : XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Phone : XXXX XX/XX/2023 I've called Equifax to remove this and reported disputed online- they said no! 
Dispute was closed the very next day on the weekend Sat and Sunday, I want this hard hit off my credit report under the Inquires. 
I have froze and reported identity theft on my Equifax report XXXX XXXX XXXX ( XXXX ) XXXX cell XXXX
Consumer complaint received 2024-03-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: United PanAm Financial Corp. (MO)

I purchased a car from Vroom Automotive , XXXX, received financing from XXXX XXXX, once purchase was complete, Vroom never gave me the title to the car. Request were made continuously only to get the run around. I received Paid in full documentation and release of lien from XXXX XXXX. Since Vroom never presented me with the title they are now assuming the creditor position fraudulently and intentionally to Harm my property. They additionally assigned presumed obligation of debt to a United Auto Credit Company which is also fraudulently inflicting harm to my property claiming they are in legal standing because the alleged debt was assigned to them. Very important fact and truth is UAC and Vroom are umbrellaed together and most obviously commit this form of commerce on a regular basis.
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by TransUnion. Despite sending them the complaint, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT :
Consumer complaint received 2021-12-13
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. (NM)

In the previous letters I have requested the investigation of the elements that do not coincide and the elimination of them, taking into account the fair credit law, which states that I have the right to be informed of the status of my account and the report of the accounts must be 100 % accurate
Consumer complaint received 2022-01-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2021-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

On XX/XX/2021, I just received a notice that I was charged a late charge. I paid a {$500.00} payment on XX/XX/2021 and the payment was not due until XX/XX/2021. This is not right and I owe no late charge. 

This charge is through Capital One. 

Will you please help me? 

Thanks. 

XXXX XXXX
Consumer complaint received 2019-12-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Bank of America in XXXX XXXX has put a hold on a check from my wife from her bank of America account to my Bank of America account.  The money has already been debited from her account but XXXX XXXX   Bank of America on XXXX XXXX in XXXX  Missouri will not release the money till XX/XX/2019
Consumer complaint received 2022-01-03
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. (NJ)

I have a host of hard inquiries that I have previously reported to be fraud on three credit reporting agencys reports. I have no knowledge of these inquiries. 
Inquiry : 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 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-08
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (MA)

I have an HSA account with XXXX. Because it charges monthly fees, I decided to open a new custodian account at XXXX. 

On XX/XX/XXXX, my new custodian sent the transfer request to XXXX. However, XXXX claimed it never received the request. 

On XX/XX/XXXX, I asked my new custodian to send the second transfer request. On XX/XX/XXXX, I called XXXX to check if it has received the transfer request. The customer service representative said they have not received any forms. 

During XXXX to XXXX, XXXX continued to charge me {$14.00} fees. I expressed my frustration to the CSR over the phone. She later told me that they did receive the form for XXXX XXXX, but not XXXX XXXX. Obviously, it was a lie. 

I expect the XXXX can process my request and send my money ( and refund of extra charge ) to my new custodian immediately.
Consumer complaint received 2024-03-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: NEW YORK COMMUNITY BANCORP INC (MD)

I had a load modification due to falling behind on payments, still hasnt recovered from the pandemic where I lost my full time job and was supporting my family with a part time job until 2 years ago i was given full time status but still not making enough, i have been actively looking for a part time job to help my full time job income, but everything seem to be a schedule conflict of my f.t job, then utility bills, groceries, gas bills when up then my car insurance doubled when my son started to drive, I filed for forebearance the after a few months had my loan modified, thinking that it would give me some relieve but the monthly payment almost remained the same the interest rate from 3.6 percent to 5.6 percent and from term 273 months to 480 months. I want to keep the house but instead of us the consumers getting the relief its the banks that are getting all the relief leaving us no choice but to agree so they wont foreclose my house.
Consumer complaint received 2022-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE (DE)

I received an application to apply for an XXXX XXXX XXXX XXXX XXXX with no annual fee. I applied twice over the phone. I later went back to check and barclays customer service, security, and Applications all state there has been no application filed. I also checked my application status on Barclays web site it says the same thing the it gives me a phone number to call. I call it. But, no one can find my application. So I did the process again online! This time I received proof that my application was being processed! So I checked my computer again and it says there is no record of my application. It gave me the same number to call. I called. No one could still find it. Now, I have another card with Barclays but this card has an annual fee. After 3 years, I tired of a annual fee! My customer id is XXXX XXXX XXXX XXXX!
Consumer complaint received 2019-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (VA)

I opened a JPM Chase Total Checking account to take advantage of the offer below:"I am inquiring about Chase's special bonus "Chase TotalChecking offer", in which the account owner shall receivea $XXXX checking bonus by: 1) Open a new Chase TotalChecking account, which is subject to approval; AND 2)Have your direct deposit made to this account within 90days of account opening. After you have completed all theabove checking requirements, we'll deposit the bonus inyour new account within 10 business days.I completed the requirements long ago and have not yetreceived my $XXXX bonus.The coupon code applied at account opening is:XXXX"I opened the account with the coupon / promotion offering prior the XX/XX/XXXX deadline. I completed the required activities as described above.A couple of days ago (XX/XX/XXXX) I sent the above message to Chase and was told that I did not meet the deadline. See below message from XX/XX/XXXX:"Hello XXXX,We understand your concern about promotion offer and willbe more than happy to review your inquiry.XXXX, we apologize, we're not able to add the coupon codefor the $XX/XX/XXXX promotion on your New Checking account.You're not eligible for this offer as this offer expiredon XX/XX/XXXX. You may refer to the coupon to seea list of the restrictions. We regret for theinconvenience caused to you.We appreciate your business and thank you for choosingChase.Thank you,XXXXChase Email Servicing"This offer is insanely misleading, and I am sure it will trick other consumers into banking with Chase when better alternatives exist. Thanks so much for assisting.
Consumer complaint received 2023-05-12
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (RI)

My father passed away with $ XXXX at chase bank. I am executor of his will. I called and was told no beneficiaries were on the account and go to a branch with my court papers and death certificate. There I would be cut a check. The branch then said my mother is the beneficiary and we needed to file a XXXX page notarized packet of papers in the mail, even after having copies of the death certificate and my court papers. I then sent the packet of papers to chase and months later am being told they did not get them. My father died in XXXX. I am now being told to file another packet of beneficiaries paperwork. This company needs to stop withholding funds that are not theres and give my mother what is rightfully hers. To give people who have lost a loved one such a hard time is a disgusting practice.
Consumer complaint received 2019-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On XX/XX/XXXX i called Capital One to pay off balance in full $XXXX.  On the day I called I asked for the full pay off amount including interest. The woman I spoke to, who was the supervisor, calculated the interest on the account  and included more just to insure that the interest would be covered. I payed a total of $XXXX which i was told would bring the account to XXXX. On XX/XX/XXXX I logged back into my  account to see if the payment was posted and noticed there was a credit on the account for $XXXX. I called Capital again to verify that there was a credit on the account and the person I spoke with told me I over paid the interest due and I had the option of keeping the credit on the account and using it towards future purchases or having a check sent to me. I opted to have the $XXXX mailed to me in a check. On XX/XX/XXXX I noticed that on the XX/XX/XXXXthere was a finance charge posted to the account for $XX/XX/XXXX. I called Capital One about this discrepancy and the supervisor i spoke with was trying to tell me that the $XX/XX/XXXX was not a credit but was there to cover the finance charge. I informed him that this is not what I was told as previously stated.
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DE)

On XX/XX/2021 I contacted XXXX to inform them of a change of bank payment that needed to go in effect for the next payment. The next payment was due on XX/XX/XXXX. XXXX attempted to use the old account charged me a {$29.00} fee. I contacted XXXX on XX/XX/XXXX regarding the reminder of the change of account. After frustration, I manually paid the account. On XX/XX/XXXX I checked my score which dropped XXXX points because they reported a late on my report. I contacted XXXX and they apologized and said the late would be removed due to the error on THEIR PART within XXXX days. They also agreed to remove the late fee of {$40.00} and offered me a gift card for THEIR ERROR! 

I have included a screenshot of the account as well. XXXX # XXXX
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

My XXXX  checking account was explained to me in a way that was not accurate. I was informed that debit transactions would be fee free however that was not the case. I addressed this with the bank and they informed me that they did not tell me that. I feel I was bait and switched so that I could sign up for extra accounts that I did not need as the bank said it was mandatory but I later found out it was not. After years of back and forth and different stories I closed the account