davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants Adjustment Service, Inc. (SC)

Ive sent letters to all 3 credit bureau asking to have the removal of these regarding fraudulent collections item on my credit report Merchant ADJ Service/ XXXX XXXX XXXX XXXX XXXX have violated my HIPAA rights. This is a violation of my rights due to HIPAA laws & FCRA laws. Ive disputed these collections the XXXX, FTC.. I demand these accounts be blocked, deleted and removed from my consumer report immediately or i will file for legitation. I am trying to obtain credit and these fradulent collections are preventing me from doing so.
Consumer complaint received 2024-03-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (RI)

In XXXX I moved to XXXX XXXX and I submitted a state title transfer on my lease. On XX/XX/XXXX I made a payment of {$11000.00} to pay off my account in full. On XX/XX/XXXX I called Kia Finance America to confirm payment and next steps. They said that once they payment is fully processed I will be able to complete the Bill of Sale and Odometer statement. I received these filled them out and submitted them online. On XXXX I called again for an update and they said they never received other after I submitted it so I submitted again. On XXXX I called again and they still told me that they never received it. I got forwarded to customer service where they told me that it was received but they don't actually have the title because it was sent for the transfer to the XXXX XXXX and they were waiting for it back. 

I called back again on XX/XX/XXXX because I still hadn't heard back and I was told that they received the title on XX/XX/XXXX and were going to process it. After still not getting anything I called back XXXX, where they told me that they never received it and that they are submitting a recall request from the XXXX nd that no where it says that they received the title. I heard this same thing when I called on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I called again and was told again that they did received that title on XX/XX/XXXX and I requested the XXXX tracking number to confirm this - XXXX. I was once again told for the XXXX time that they will escalate this to get me my title. But still no effort is being made to send me the title, or give me any sort of clear information or time frame. XXXX week I'm told they have it, another they tell me they don't and say they don't know when I wwill get it. It has been nearly XXXX months since I payed off my account, but I still don't have any proof of ownership.
Consumer complaint received 2022-12-17
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. (MO)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$87.00} XXXX XXXX Balance Owed : {$330.00} DEPTEDXXXX XXXX Balance Owed : {$3500.00} DEPTEDXXXX XXXX Balance Owed : {$1400.00} DEPTEDXXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$910.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXXXXXX Balance Owed XXXX {$8000.00}
Consumer complaint received 2022-05-20
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: SYNCHRONY FINANCIAL (OR)

Besides my personal bank account being frauded over 6 times in last 2 years. I am now getting reports of someone trying to obtain credit cards in my name. Several companies have sent me letters saying they denied me for credit services. I never applied for them. I refuse to own a credit card and defiantly did not try to apply for any. 
XX/XX/2022 SYNCHRONY BANK sent letter staying they can not give credit for my request of XXXX XXXX issued by their bank. I never applied for this. 
XX/XX/2022 XXXX sent a letter stating they can not issue credit for my request of XXXX XXXX XXXX XXXX XXXXXXXX I never applied for this. 
XXXX XXXX XXXXXXXX XXXX XXXX was unable to approve my application. I never applied for this either. 
XXXX informed online they sent me to collections. I was frauded on XXXX, my bank investigated and now I'm sent to collections for something i didn't do. 
My credit scored has dropped XXXX points in last few months, as well.
Consumer complaint received 2022-05-20
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. (OH)

After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with account lised under Lvnv Funding LLC, XXXX XXXX XXXX and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continued to reflect on my credit report and I have not received any correspondendence from creditor to vaildate this account as correctly belonging to me, nor has my credit report been no updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XXXX there have been no updates and account is still reflecting on my on my report. I do not believe the account belongs to me nor do I believe that the Creditor has authorization to access the account nor authorization to attemp to collect on the account and the account continues to negatively affect me. Please strike and remove this accounts from all 3 Credit Bureaus until adequate vaildation has been received proving that the account belongs to me and all information is correct.
Consumer complaint received 2022-12-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (GA)

Dovenmuehle Mortgage is delaying the PMI removal process without any justification. I have contacted the company agents a number of times over the phone since XX/XX/XXXX and agents have repeatedly mentioned that I would receive a letter in the mail but I have yet to receive it. Today, on XX/XX/, I have contacted them again and the agent ( XXXX, ID # XXXX  ) mentioned that Dovenmuehle Mortgage had an internal error, he will put in a new request and I need to wait again for another 10 business days the letter to be processed. Why should the customer keep waiting for Dovenmuehle Mortgage 's internal error? Dovenmuehle Mortgage must expedite the process, send the letter and initiate the PMI process right away without any further delays as I meet the criteria for removal. Each single day of delay by Dovenmuehle Mortgage is leading to the financial implication to me as I am incurring PMI cost unjustly.
Consumer complaint received 2021-11-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aspen National Financial, Inc. (CO)

From the very beginningXXXX XXXX XXXX XXXX XXXX  has proven not to be the wonderful vacation/real estate investment that we were sold. Weve had it for nearly 12 years and have only used it once. That alone should prove how useless it has been for us. What was explained to us verbally during the90 minute presentation ( which actually turned out to be closer to eight hours ) is not what we received. XXXX XXXX sales representative totally contradicted what was in our contract. We were told we were purchasing real estate and it would be profitable to us, they even said we could rent it out and make money on our prime real estate, but actually selling this or finding someone to rent this isnt viable whatsoever, especially with services such as XXXX being available. Large companies such as XXXX and XXXX are now renting out space in timeshares. Of course, they neglected to tell us this because it would put a wrench in the great pitch they were throwing us. We were told we would easily be able to exchange our timeshare to destinations all over the world, this has proven to be not true. Exchanging this timeshare is very difficult with increased additional fees. What caught us off guard the most was the rise in maintenance fees. We were told these fees would not rise, yet, we have seen a steady increase that makes this more and more difficult to afford. 

The whole ordeal felt shady and when we requested a copy of the deed and we never received one. That alone has to be a violation of some sort! How can timeshare companies continue pressuring people into entering a contract and not providing them with the terms of the contract? Weve contacted XXXX XXXX XXXX XXXX several times over the past 12 years to try and exit the contract, but they provided no assistance. These timeshares want people trapped in these contracts so they can continue to siphon money from us, but that is not something we can financially, or mentally, afford! 

Then, they brought Aspen collections into the picture. They have been consistently harassing us with phone calls and threatening notices. We never agreed to work with Aspen and want this handled directly through XXXX XXXX. We are in a misrepresented contract and should not be obligated to pay any further funds.
Consumer complaint received 2021-11-15
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: EQUIFAX, INC. (KY)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter on XXXX/XXXX/202 and | XX/XX/2021 it's more than 60 days. I need these accounts deleted or updated.
Consumer complaint received 2021-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have had a checking account at Bank of America for about a year. 

I have not been able to transfer money through ACH to or from this BofA account using the BofA web site to one of my other accounts, a XXXX XXXX checking account at Customers bank. 

I have called both banks. They each say the problem is on the other bank 's side. 
I believe the issue is with BofA, however, since I can transfer money using the T-mobile money web site, but not using the BofA web site. 

From what I have gathered, it appears that BofA has blacklisted the routing number for XXXX XXXX, which is XXXX, in their online system. No disclosure is made of this blacklisting in any of the BofA disclosures for the account. I believe I should be able to use ACH to any of my external accounts, including XXXX XXXX.
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

The actions are that they are about to cut my electric off on Saturday two days away. No movement since XX/XX/XXXX. 
Payments Payment Method XXXX XXXX XXXX XXXX  XXXX Payment Amount - {$4800.00} Payment Date XX/XX/XXXX Payment Status Returned Confirmation Number XXXX More Activity Bill Issued XX/XX/XXXX {$5800.00} XXXX XXXX 
Payment XX/XX/XXXX {$150.00} XXXX Failed Payment XX/XX/XXXX {$150.00} Failed Payment XX/XX/XXXX {$150.00} XXXX Failed Payment XX/XX/XXXX {$150.00} Bill Issued XX/XX/XXXX {$5500.00} XXXX Payment XX/XX/XXXX {$120.00} Failed Payment XX/XX/XXXX {$120.00} Payment XX/XX/XXXX {$100.00} Bill Issued XX/XX/XXXX {$5900.00} XXXX Bill Issued XX/XX/XXXX {$5500.00} More Activity Bill Issued XX/XX/XXXX {$5700.00} Bill Issued XX/XX/XXXX {$410.00} Bill Issued XX/XX/XXXX {$5600.00} Payment XX/XX/XXXX {$570.00} Bill Issued XX/XX/XXXX {$1500.00} Bill Issued XX/XX/XXXX {$5800.00} XXXX Payment XX/XX/XXXX {$150.00}
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (AZ)

I went to a Wells Fargo branch to open a checking account last XXXX. When I tried to open the digital account online, I typed in my birthday and social security number, but their website showed that my identity could not be verified. I called the bank, found out that someone with a similar-spelling name used my social security number, and opened an account. The ridiculous part is that the person has a totally different birthday, address, and all the other personal information, but he/she was able to open a banking account with Wells Fargo XXXX I called the bank several times and went to their branches several times, and finally, the bank said they deleted that fraud account and corrected my information. However, when I tried to open an online account on their website, I still got that " can not verify your identity '' error. I had to call them again and again, and they just transferred me again and again without solving the problem. Every time, their response is, " We are investigating it. We will keep you updated. '' " I already helped you file a complaint. You will receive a follow-up in several days. " ... Then nothing happened. No follow-ups, no emails, nothing. I recall they followed up with me only one time earlier this year. At that time, their response was, " We are investigating it. '' They called me once in a while and confirmed they were " investigating it. '' I thought they finally took it seriously. After two months, they called in and asked me to " buy our security package to stop identity theft. '' ... Believe me, I didn't even know if I should cry or laugh at that moment. The whole thing was just too ridiculous, and my two months of waiting made me feel like a clown. 
By the way, yesterday I received a letter from Wells Fargo with the content of their credit card promotion. They still use the fraud person 's name instead of my name as the recipient. I am starting to doubt if they really corrected my information in their database.
Consumer complaint received 2022-05-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (IA)

This complaint is towards Jefferson Capital Systems. There is a collection on my account from XXXXXXXX XXXX that I have disputed various times. I have included the fraud report issued due to my previous spouse opening the account without my knowledge. To add to XXXX illegal tactics that have re-aged this account multiple times. This account was opened in XXXX and went unpaid during that time. This account however shows opened XXXX. I have made continuous attempts to get this resolved with no resolution.
Consumer complaint received 2022-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (CA)

Beginning on XX/XX/XXXX, I received a letter from the XXXX XXXX XXXX XXXX XXXX claiming I owed a past due payment I was never aware of in the amount of {$220.00} with a late fee included of {$25.00}. The XXXX XXXX XXXX XXXX XXXX also claimed and threatened that they could proceed with the Treasury Offset program and/or other collection action if I did not abide by their Voluntary Repayment Agreement. They never stopped sending statements and making claims of putting the account to the Treasury Offset Program, as well as increasing the XXXX they had set at 1 % and increased to 7 %. On XX/XX/XXXX, I received a letter from Transworld Systems Inc. ( TSI ), this letter claimed that I initially owed {$200.00} on XXXX XXXX, but they added on : an interest fee of {$1.00}, a fee of {$68.00} and totaled to {$270.00}. The letter that TSI did not coincide with the statements that XXXX XXXX XXXX XXXX XXXX had been sending. On XX/XX/XXXX, a full payment of {$240.00} was made from the Internal Revenue Service ( IRS ) to XXXX XXXX XXXX XXXX XXXX through the Treasury Offset program. However, the XXXXXXXX XXXX XXXX XXXXXXXX XXXX and TSI has not stopped sending letters with the wrong amounts they claim I owed. On XX/XX/XXXX, the exchange sent a statement claiming it still owed {$220.00} and of course they have received a larger amount from the Treasury Offset Program. To make matters worse, the exchange has not been in contact with TSI to update them that the account has been paid. On XX/XX/XXXX, TSI sent a letter making false claims that the amount owed has not been paid off. TSI has also stated that they have been contracted by the Exchange to initiate an Administrative Wage Garnishment as a threat for not having paid this threat even though it has been paid. 
The XXXXXXXX XXXX XXXX XXXXXXXX XXXX has failed to update this account and TSI that it has been paid off by the method of Treasury Offset program. The XXXXXXXX XXXX XXXX XXXX XXXX has also failed to send a statement stating that this account has been paid off and has taken more money than what was owed. Furthermore, the XXXXXXXX XXXX XXXX XXXXXXXX XXXX has failed to stop all notifications even though this debt was submitted to the Treasury Offset program and has continuously been a nuisance along TSI. It was stated in their letter sent on XX/XX/XXXX, that no notice will be given before I am offset, but that is not the case because the XXXX has contracted TSI to continue sending letters.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

on XX/XX/2025 i received a notification about a credit card inquiry on my credit from capital one, i have not requested any credit card at all from them or anybody, this was not me and its wrong the inquiry was CAPITAL ONE BANK USA NA XXXX CAPITAL ONE XXXX XXXX VA XXXX
Consumer complaint received 2021-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: DISCOVER BANK (NH)

I filed a dispute on a charge through Discover. Case Number : XXXX, Merchant name : XXXX XXXX, Dispute amount {$20.00}. The dispute was for a purchase from adobe. I filed a dispute and it wasn't until today XX/XX/XXXX, that I received a letter. It stated that XXXX gave them an invoice and so that was good enough for the charge to reappear. The letter stated that I had 15 days from the time I got the letter to provide further documentation. Upon chatting with a discover agent, I found out that meant nothing and the dispute was closed out on XX/XX/XXXX and that I was not allowed to provide further documentation and there was nothing I can do. Obviously the letter from Discover was a blatant lie and has to be illegal. 

XXXX invoice was for invoice # XXXX, date XX/XX/2021, order # XXXX. 

I went to my XXXX account and looked at all invoices attached to my account. Please see the attached documents. The invoice questioned doesn't exist. I also went to all downloaded adobe products and the product in question doesn't exist. I also went through my emails and other than a discover transaction, XXXX confirmation from XXXX that the charge occurred. I went on my laptop and desktop, also no photoshop as described. I checked my XXXX  as well as my ipod and no purchases exist. I don't have the product in question, I did not make that purchase, and the fact that Discover was fine with a fraudulent invoice and shutting me out, is shameful. I asked to speak to corporate but was told I was not able to communicate with them on the matter.
Consumer complaint received 2021-11-15
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: Experian Information Solutions Inc. (DC)

Bank of America {$330.00} XXXX XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX {$520.00} XXXX {$7400.00} XXXX has removed all these items and updated XXXX today! 
I dont understand whats the problem with the other bureaus
Consumer complaint received 2022-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I'm sending you this letter of complaint to let you know that I was a victim of identity theft. I recently looked at my credit record and found some accounts that are not mine. These accounts have never been opened by me or with my permission. I need your assistance to stop these accounts from reporting to my file. According to FCRA section 605b, the credit bureau must delete any accounts mentioned in an identity theft report. To aid with the blocking of the fraudulent accounts that were discovered on my report, I have included some documents. 
XXXX XXXX XXXX XXXX Owed : {$110.00} ; XXXX  XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$790.00} ; XXXX XXXX XXXX Balance Owed : {$4400.00} ; XXXX  XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

I sent a bank check for {$11000.00} to pay the balance off on my bank of america cc. They cashed the check on XX/XX/2022. As of XX/XX/XXXX it has not been applied to my account. 
Yes Ive done everything possible with cc company.
Consumer complaint received 2021-11-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NC)

in XX/XX/XXXX I took a loan out to by a home and in XXXX I fell behind on my payments I then reached out to find out how much I was behind and paid the amount in witch they had given me to bring my loan current in XX/XX/XXXX witch was about {$11000.00}. in XX/XX/XXXX i was notified that i had fallen behind again due to the figures that they had given me in XX/XX/XXXX were miss calculated and that it put me back three months behind then in XX/XX/XXXX i made a payment of {$2500.00} in witch was returned to me and I was told that they will not except any payments unless I made the full payment to catch up on my loan since then I fell to far behind to catch up. Since then i have tried modifications in witch i was denied several times I had even gotten help from a company called XXXX to help me through the modification process to make sure that I was handling everything correctly once submitted and I was waiting on a response the company switched servicers and I was told that I would have to start over so i went to look for other help in doing so I found out that there were several things that were wrong with my loan witch the banks involved know and now they have a sale date XX/XX/XXXX for my home when they have no standing to do so companies and or banks involved : XX/XX/XXXX XX/XX/XXXX, XXXX XXXX, XXXX, XX/XX/XXXX AS TRUSTEE FOR SECURITIZED TRUST ALTERNITIVE LOAN XXXX XX/XX/XXXX, XX/XX/XXXX, MORTGAGE ELECTRONIC REGISTRA- TION, ( " MERS '' ) ALSO : XX/XX/XXXX XXXX XXXX XXXX XXXX 
XX/XX/XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX