davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Account Name Bank of America Account Number XXXX Date Opened XX/XX/XXXX Status Collection account. Account charged off. {$3700.00} written off. {$3700.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX XXXX {$3700.00} Four years ago my home was broken into and my laptops and computers were stolen. I called the police and filed a report. Weeks later I noticed items that I didn't recognized appeared on my credit profile and I have been trying to get this debt off since that time and I have researched my consumer laws. For one I never recieved a 1099c from Bank of America saying that this debt was written off and I reached out to them to request that information so I can do my taxes, since this debt is on my report. Also I have looked on my credit report across three bureaus and according to Metro 2 Format the industry standards for reporting accurate, complete and timely information that the data should report according to the specified definitions in order to process credit information correctly is not accurately reporting on my credit profile. I am also in the state of North Carolina which the statue of limitations is 3 years. 

I do not owe Bank Of America- ( account # XXXX ) {$3700.00}.
Consumer complaint received 2021-10-18
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)

So I recently pull my credit and i noticed a few accounts showing onmmy credit report that i do not have any knowlege about. Before reaching out to XXXX, XXXX and Equifax, I call each company to report what happen. I am a victim of Identity theft. I have never done any business with these companies. I then called the credit bureaus and they said i need an FTC report. I have attached the report along with my Drivers lincense and Social security card.
Consumer complaint received 2022-12-29
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. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus XXXXre reporting inaccurate information on CREDIT ACCEPTANCE CO ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-10-19
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: Experian Information Solutions Inc. (AL)

Between XX/XX/XXXX and XX/XX/XXXX I have filed a number of disputes regarding my students loans on the experian credit report. Ive also contacted XXXX  XXXX XXXX regarding this issue and theyve reported in writing that there arent any disputes in their systems on my account. The initial dispute was filed to get the payment amounts updated. Once this information was updated correctly I was informed by a CSR that I would need to file another dispute to requesting the removal of the dispute language found in the comments/remarks section of my credit report. The dispute language has continually caused me to be denied for home loans resulting in more inquiries on my report. I have contacted Experian several times and they cant seem to solve this issue properly. I need this information corrected so that I wont be denied again.
Consumer complaint received 2021-10-19
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: EQUIFAX, INC. (GA)

I SENT IN LETTERS REGARDING INACCURATE REPORTING FALSE ITEMS ON MY CREDIT REPORT. THERE ARE ITEMS THAT WERE DELETED BUT I WASN'T NOTIFIED OF ANY INVESTIGATION TAKING PLACE NOR METHOD OF THEIR VERIFATION. I FEEL LIKE IM BEING IGNORED OF MY DISPUTES. THIS ARE DECEPTIVE PRACTICES BY THE BUREAUS.
Consumer complaint received 2024-03-30
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I received 2 American Express gift cards ( one for {$100.00}, one for {$50.00} ) from my company for XXXX and XXXX in XXXX. I held on to them to spend as personal gifts later. Normally, I add gift cards to my XXXX account in the Wallet section and use them that way. Surprisingly, it didn't work. I also tried that with a XXXX gift card which also didn't work. I was trying to purchase items from XXXX of the XXXX. I added roughly under {$100.00} to my cart and tried checking out with JUST the AmeX gift card which declined, I then tried lowering the amount which also declined. I then tried purchasing with the XXXX gift card which did go through thankfully. I tried setting up the AmeX cards multiple different times all which failed. I researched online via XXXX, XXXX website, AmeX website, and general forum searches that all mentioned AmeX gift cards NOT working at common retailers or for online purchases. How am I supposed to get this money? It's a total of {$150.00}, I don't want to just have these cards to look at, I want to use them. 
To specify further, these were purchased by my company as gifts for the employees. I used them in prior years just fine and was able to link them to XXXX as well. I don't know what's going on with AmeX but they need to get their act together.
Consumer complaint received 2021-10-19
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Consumer Portfolio Services, Inc. (TX)

I've sent consumer portfolio services a cease and desist and an affidavit of truth invoking my rights. The entire loan was fraudulent and violates my consumer rights on multiple occasions. I have proof and exhibits. Pursuant to 15 USC 1692E ( 4 ), " The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. '' They have no right to take a vehicle that I own rightfully.
Consumer complaint received 2024-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SERVICEMAC, LLC (CA)

Tried to log in to account to pay mortgage but account wasn't found. I was told that I needed to re-register for some random reason and when I tried to re-register I could not.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (GA)

The morning of XX/XX/XXXX I deposited money at my local Regions branch ATM including a check for {$20000.00}. The check was flagged as suspicious or fraudulent and my account was frozen. On Wednesday XX/XX/XXXX I went into the same branch to deposit more cash & checks but was told I couldn't use my account and to speak to a manager. The manager said the number on the back of the check didn't match the account # on the front, I told him that number never matches and showed more checks with similar markings. He asked me to email him a copy of the closing paperwork from the sale of a business that showed the check was my proceeds from the sale. I sent the closing documents and was replied that I need to go to XXXX XXXX to get them to write a paper saying the check was mine. I went into the branch on Friday XX/XX/XXXX with more documents and checks from XXXX XXXX and was told to forward them to another employee who would contact me within an hour to resolve the situation. The Regions branch has not responded back has continued to freeze my account with no explanation or clear path to resolution.
Consumer complaint received 2021-10-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (PA)

On XXXX I received a text message from Wells Fargo stating if I wanted to authorize or deny a transaction of a XXXX withdrawal from my savings account. 
I denied by texting NO as I wasnt attempting to remove any money from my account. 

Immediately after this text I received a series of phone calls from an unknown number. 
A ( scammer ) but what I thought was a legitimate representative calling from Wells Fargo told me I needed to protect my savings account as someone was attempting a XXXX transfer of {$3400.00}. I clearly stated that I did not authorize or attempt this transaction. 

The representative stated that someone from MO was attempting to use my bank account to Make other purchases as well. 

This representative told me I needed to send the entire amount of my savings account back to myself using XXXX, otherwise my money could be lost, as the transaction didnt go through yet. 
The representative walked me through the steps to send my money back to my account when in reality my money was being REMOVED from my account. 
After the phone call I checked my account and my balance was {$0.00}. I immediately contacted Wells Fargo and learned I was scammed out of {$3400.00}. 
Wells Fargo informed me that both my accounts were compromised and I changed all my passwords and online information. 
A new debit card was sent to me and my savings account was closed. 
I placed a claim with Wells Fargo that same day and they advised me after an investigation they would make a decision regarding my claim. 
I was told if there was fraud I would get my money back. 
On XX/XX/19 I contacted Wells Fargo online fraud department and they said the investigation was complete and i although there was fraud I made the transactions myself and could not get my money back. 
In conclusion, money in a bank is supposed to be FDIC insured. 
I am a single parent who was scammed out of my XXXX  XXXX money which was all in my savings account with no way to be reimbursed by Wells Fargo. 
Id like a review of Wells Fargos decision making process regarding this issue. 
My Wells Fargo claim # is XXXX
Consumer complaint received 2021-10-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (FL)

I received a letter at the end of XX/XX/XXXX from a debt collection agency informing me that I owed {$1300.00} for infusion services provided by XXXX XXXX XXXX. For several years they had provided the infusion of my XXXX XXXX XXXX. The medication was provided by the manufacturer 's assistance program and medicare. I paid the remaining balance when billed monthly for the nurse/infusion. I stopped using them about a year ago and went to another provider. I never received any more bills or any indication that I owed other amounts until the collection agency sent me this bill. The noted services that I alledgedly owe for have different account numbers on each charge and there is no date of service listed. I attempted to call XXXX and talk to someone and they continually hung up on me and then told me they were transferring me to someone else. Finally after multiple phone calls they said they could not talk to me because it was in collections. As you will see on the attached letter from Credence, they offerred me the chance to settle this claim for {$1000.00} which I feel is attempted extortion. I replied with the attached letter and sent it by certified mail on XX/XX/XXXX. I feel that I do not owe this money and believe it is some sort of scam to scare me by threatening my XXXXedit score.
Consumer complaint received 2021-10-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIBANK, N.A. (CA)

Citibank credit services I paid my bike loan and they are not sending me title I called them so many times they we only sent you lien satisfied notarized paper you have to take it to DMV for actual title but DMV wants bank to send title directly to them but Citibank is not helping me in this regard please help me resolved this matter My number XXXX
Consumer complaint received 2021-10-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I noticed when I was looking at my mortgage account for a possible payment for the month of XXXX that my mortgage amount went up from the original amount. 
Also, I noticed some extra charges on my account even though I do not have an escrow account. 
When I spoke to a Wells Fargo Mortgage last month about possibly resuming payments when the mortgage deferment ends, I did tell her that I do not have any income and not sure, but I will do my best to make the payment for XX/XX/2021 payment. 
The mortgage monthly payment I noticed is incorrect and has been raised by a few hundred dollars. Also, I have never had a mortgage escrow amount, since I have had my mortgage with Wells Fargo. I do not know why they added extra charges to my account. I pay my property taxes separately and home owner 's insurance separately as well. In addition, when I have asked them for some options, they have not provided any and also reported late for both my and my wife 's credit reports. I do not understand how this bank continues to mess up my mortgage account and my credit reports. 
Is there legal action I can take to rectify this situation?
Consumer complaint received 2021-10-19
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2019-04-16
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Hillcrest Davidson & Associates (TX)

On and before XX/XX/2019 repeated calls began form XXXX XXXX XXXX , XXXX ( XXXX ) XXXX. Threatening voicemails and even choice words conversation spewing from the attended operating the phones. As I only stated that I did not owe any debt nor did I know of the company she claims I was in debt too. She started to speak about my race and said " Are you mad that you didn't get enough food stamps, go back to XXXX! '' This company prides it self on harassing and trying to intimate American Citizens. 
I have provided a list of complaints I have against this company : 1.Collectors are threatening me with violence, a lawsuit, or arrest 2.I are receiving multiple calls per week from third party collection agencies 3.I 'm being threatened with negative credit reporting 4.A debt collector attempts to intimidate me 5.Criminal accusations are being made towards me 6.Use of obscene language during an attempt to collect 7.Automated robocalls are being made to my phone in an attempt to collect I have saved all voicemails from this company. Before ending I do not owe any debt nor have I ever heard of the XXXX XXXX  XXXX. I pride myself on always staying away from payday loans or and money borrowing service. So I no that all accusation that have been so aggressively made are false.
Consumer complaint received 2022-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: OneMain Finance Corporation (TX)

Was calling in and checking on a fraud claims and they keep transfer me to different departments and getting rude reps all young XXXX XXXX XXXX .. and refused to pull up my credit card account and check my claim and refused to give me a temporary credit and help me out with my account. The fraud department is a joke and keep giving me the run arounds
Consumer complaint received 2019-12-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Windham Professionals, Inc. (TX)

I terminated my auto insurance contract with XXXX XXXX XXXX XXXX earlier this year when they raised their rates. My insurance agent assured me several times that the contract had not been renewed for the new term and my policy was cancelled. Now a collection agency is trying to collect a balance on the closed account.
Consumer complaint received 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

Equifax ; XXXX  and XXXX  should not be reporting any lates on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The late payments reporting had been deferred via the CARES Act. I had arrangements with XXXX XXXX  and I was assured by the representative that no lates would report. Unfortunately, the mortgage company did not honor our agreement. Also, the bureaus are not correctly reporting this account as in dispute. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of the lates on the account. I have never received any communication from the bureaus to show that my request was acknowledged. My most recent credit report shows this account as not in dispute, when in fact, the account is in dispute. This language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and this line items need to be updated and/or completely removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2022-04-13
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: Experian Information Solutions Inc. (MI)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.