davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX and XX/XX/XXXX I made two transfers to my bank ( Bank of America business checking ) totalling around {$8000.00}. I was able to use and withdraw about {$1200.00} of that money on the XXXX, and then on the XXXX, the bank suddenly blocked my account and subsequently closed it without explaination or warning. I went into a local branch on the XXXX to discuss this issue and was offered no real resolution. I called the next day and was told I would have to wait for them to mail me a check. There is over {$8000.00} in the account and it is ALL THE MONEY I HAVE. I can not live without this money. This is my money and I need it immediately. Ive read several other complaints like mine and heard of ppl having to wait MONTHS to get their money. I can not do this. I am living off unemployment at this time and it is meager as it is. Pleaae help me.
Consumer complaint received 2020-08-05
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. (SC)

SOMEONE USE MY PERSONAL INFORMATION TO APPLY FOR THESE FRAUDULENT ACCOUNTS ON MY CREDIT PROFILE THAT DOES NOT BELONG TO ME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-08-05
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. (SC)

SOMEONE USE MY PERSONAL INFORMATION TO APPLY FOR THESE FRAUDULENT ACCOUNTS ON MY CREDIT PROFILE THAT DOES NOT BELONG TO ME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAs. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-09-27
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: North State Acceptance, LLC (MD)

The closed paid charge off account was voluntarily deleted from my XXXX  credit report. On XX/XX/20 I submitted a dispute to XXXX, XXXX, and directly to the company to request the deletion of the account due to it having been deleted from XXXX  and also due to inconsistent and inaccurate information when comparing the reports. The company corporate finance specialist in response to my dispute informed me that the company is not responsible for reporting monthly account history ( number of days late and the number of charge offs ) or status and suggested that other accounts on my report were probably being included hence causing the inaccuracies. Both the report responsibility and suggestion I know to be false. I have only one other account on my report which is three weeks old and open. On XX/XX/20 the company added the closed paid charge off acct back to my XXXX  report.
Consumer complaint received 2020-08-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (FL)

When applying for a new credit card on XX/XX/XXXX, I was declined and advised of a recent collections entry on my XXXX and XXXX   credit reports. There is a collection showing for {$650.00} from Ability Recovery Services referencing XXXX XXXX XXXX on XX/XX/XXXX. This was the first I had heard from either company. I contacted Ability Recovery Services via the XXXX, since I was afraid this was some sort of scam and didn't want to contact them directly. I advised them on XX/XX/XXXX that I would like some sort of proof regarding this alleged debt and that I had not received anything from them via writing or phone call as is required under federal law under the FDCPA. 

Ability Recovery Services sent me a letter on XX/XX/XXXX with a copy of a non-itemized statement from XXXX XXXX XXXX showing a balance of {$650.00} as past due with a different date of service, XX/XX/XXXX. This does not serve as verification of the debt as there is no indication as to what services were rendered or that I have agreed to pay any such services. They did not send this within the 5 day timeframe as required by FDCPA 809. 

This is not my debt. I received no services from XXXX XXXX XXXX on either XX/XX/XXXX or XX/XX/XXXX and I am concerned that the company has provided differing dates to different organizations. Ability Recovery Services has not only failed to provide the required notice prior to placing collections activity on my credit report, but they have failed to provide itemized debt validation as well as failed to respond within the 5 day period required by law. This needs to be removed from my credit report immediately or I will be seeking legal remedy up to the maximum allowed by law.
Consumer complaint received 2020-09-27
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: CITIBANK, N.A. (VA)

I responded to a XXXX ad on XX/XX/20 and purchased a XXXX painting via a Citibank credit card from a company called XXXX XXXX. The charge was for {$59.00} and my credit card statement said that the charge was from a company called XXXX XXXX XXXX XXXX ( not XXXX XXXX ). The only confirmation I got that the order was received was an email that said the order would be shipped as soon as possible and to be patient. I can't find said email. Please note that XXXX is also associated with a scam ( see attached ). 

I filed a dispute for the charge with Citi on XX/XX/XXXX as I wasn't sent a confirmation number or any other information concerning the order. I was also skeptical regarding the order being shipped from XXXX XXXX. The phone number for XXXX XXXX ( XXXX ) from their website is not in service, and the company did not respond to emails. 

Citibank required copious amounts of paperwork for a dispute to be filed, which I provided. 

I received a pre-printed ( not a XXXX ) canvas from XXXX on XX/XX/20. It was not what I ordered. The return address on the package I received was : XXXX XXXX XXXX XXXX XXXX, NJ XXXX I looked up this address and found this : CURRENT ALERTS FOR THIS BUSINESS Alert : XXXX has had significant complaint activity involving various businesses that have their orders fulfilled and shipped from this address. Mail sent to this address has been returned to BBB as undeliverable. XXXX has been unable to identify a physical presence in NJ for these businesses and can not process complaints. 

So, I didn't get the correct product that I ordered, the online company I ordered it from ( XXXX XXXX ) can't be contacted, the online company 's address per their website is in a different state ( Michigan ) than where it was shipped ( New Jersey ), the credit card charge was from a different company ( Ladiepops ) than the one I ordered from ( XXXX XXXX ), the shipper in New Jersey has a history of complaints and doesn't physically exist per the XXXX XXXX XXXX  and the credit card company resolved my dispute in favor of the " merchant ''. They suggested that I contact the merchant if I needed further resolution! 

Please advise as to whether or not I can appeal the dispute resolved by my credit card company in favor of the " merchant ''. I have an XXXX credit score and have NEVER disputed a charge on ANY bank or credit account other than this one.
Consumer complaint received 2020-08-05
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. (AR)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX XXXX XXXX {$11000.00} XXXX   XXXX XXXX {$2000.00} XXXX XXXX XXXX {$760.00} XXXX XXXX {$790.00}
Consumer complaint received 2020-09-27
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: High Mountain Funding Inc. (FL)

XXXX  is in violation of federal law for continuing to report an inaccurate information on my credit report. Account under the name : High mountain funding inc, original : creditor XXXX XXXX XXXX XXXX. 

I sent XXXX a dispute letter in XXXX, XXXX and XXXX of 2020. XXXX  has sent me updated information claiming that account has been verified and updated. Without a method of verification as required my law. 

I also sent High mountain funding inc a validation letter in XXXX, XXXX, and XXXX of 2020 as of today I have yet to receive a response. A violation of FCRA rules section 609b and FDCPA section 809b. 

Please see attachment ;
Consumer complaint received 2020-08-05
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. (TX)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX XXXX {$660.00}
Consumer complaint received 2020-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION (AL)

I made a mobile deposit with BBVA on XX/XX/XXXX for XXXX and received notification from BBVA that the amount had been credited to my account. I received an email at XXXX on Friday, XX/XX/XXXX that they were not accepting the deposit. There branches were not open and no one helped in numerous calls to customer service. This error caused payments I made to bounce and caused my credit score to fall. BBVA refuses to respond to messages sent and continues to credit transactions and then have them disappear from the list without any notification as to why. I have screen shots of these for proof. I have banked with them for over 25 years and no one will explain and the customer service reps told me to contact the local branch, who said it was all done digitally. I want this rectified now.
Consumer complaint received 2022-05-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (IL)

I contacted XXXX  2 times already regarding the collection of {$88.00}. They said i didnt have to pay the debt. Bc it was a mistake on their end. And they would talk to collection agency to take off. They than took it off my credit and a month later put it back on. I now called a third time to have the same response thats they will contact the agency and have it removed
Consumer complaint received 2020-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Debt Recovery Solutions, LLC (TX)

I wanted to show new incorrect debt collection agency information about me they put on all 3 credit bureaus. XXXX for {$640.00} says new account opened XX/XX/2020. Debt Rec Sol for {$530.00} says new account opened XX/XX/2020. XXXX XXXX for {$65.00}. says new account says I opened XX/XX/XXXX, XXXX. Because these companies are saying these accounts are new and just defaulted it has made my score plummet in a downward low so. I am unable to get a loan or any kind of assistance.I have worked very hard for several years to pay my bills on time and these bad collection agencies are lying about the recent dates of not paying. These accounts are all very old and should be removed
Consumer complaint received 2020-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Phoenix Financial Services LLC (TX)

I wanted to show new incorrect debt collection agency information about me they put on all 3 credit bureaus. XXXX for {$640.00} says new account opened XX/XX/2020. XXXX XXXX XXXX for {$530.00} says new account opened XX/XX/2020. Phnx Finac for {$65.00}. says new account says I opened XX/XX/XXXX, XXXX. Because these companies are saying these accounts are new and just defaulted it has made my score plummet in a downward low so. I am unable to get a loan or any kind of assistance.I have worked very hard for several years to pay my bills on time and these bad collection agencies are lying about the recent dates of not paying. These accounts are all very old and should be removed
Consumer complaint received 2020-09-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (MI)

There is a collection item on my credit report from Phoenix Financial Services with the original creditor being : XXXX XXXX XXXX the alleged balance is : {$1200.00} I am unaware of this account. I never received a notice from PFS regarding this alleged account nor was I given the right to dispute or request validation / verification of the debt pursuant to the Fair Credit Reporting Act, the Fair Credit Billing Act and the Fair Debt Collections Practices Act
Consumer complaint received 2020-09-27
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I purchased entertainment tickets for an event scheduled on XX/XX/XXXX in the amount of {$420.00}. The event has been postponed to XXXX, XXXX due to COVID19. Since I purchased something that I have not received on the date originally promised, I have asked the merchant for a refund. The merchant has declined an immediate refund due to monies already spent, indicating i would be placed on a refund list with no timeframe as to when a refund might be issued. I initiated a chargeback with my credit card company ( CapitalOne ) and they too have declined any further action. CapitalOne case # XXXX.
Consumer complaint received 2022-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX a scammer with the help of Wells Fargo accessed my business account and wired XXXX out of it. Wells Fargo knew minutes after that my account was compromised and never stopped the fraudulent wires from leaving on a Friday afternoon on a holiday weekend. I notified fraud less than XXXX XXXX later that the wires were fraudulent but nothing was done. Tuesday after the holiday I learn that the wires were never added to the fraud claim. My claim was denied because they said I gave my info out which is part true because while Wells Fargo was calling me that day so was the scammer with the a Wells Fargo number. The scammer already knew everything I only aided in giving the sms code. Either way they knew or should have known there was some seriously unusual activity on my account and they had time to claw back the wires. Dealing with the fraud dept is a literal nightmare. I have filed XXXX complaints through the branch that were never answered. Wells Fargo did absolutely nothing to stop the money from leaving and are telling me to deal with it. I see this same story over and over again when searching the internet. XXXX a XXXX man business and that XXXX is crushing to me. The fact scammers can call using a actual bank numbers is insane. If Wells Fargo had to pay all these claims I bet spoof apps would not be allowed to use bank numbers.
Consumer complaint received 2020-08-05
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. (TX)

I recently checked my credit because I want to buy a house and saw inaccuracies in my credit report with personal information. There are 2 addresses and 1 employer that are inaccurate. On XX/XX/20, I mailed a letter to Trans Union asking to please make these changes. They did not respond to my letter and also did not make any changes.
Consumer complaint received 2022-11-03
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG FINANCIAL CORPORATION (CA)

Received phone call today XX/XX/XXXX from XXXX XXXX stating they are litigation office and trying to resolve a debt that I took out with Allied Cash Advance back on XX/XX/XXXX or XX/XX/XXXX I received two different dates from two different people. I don't recall this payday loan and plus I never received a letter in the mail. They called me from a local number XXXX. My Reference # is XXXX. The first call the lady was rude stating they are going to take me to court if not paid, then hung up on me once I said I don't recall this loan. I called back and spoke to a XXXX XXXX XXXX. They knew all my information and plus I confirmed it over the phone. I told him I never received a letter in the mail he stated they mailed it out on XX/XX/XXXX, in which I told them I never received because I go through ever piece of mail. I also stated that I was not going to make a payment over the phone if I don't know who exactly I'm talking to. He asked for my email address and said he would email me the letter through XXXX  He also could not confirm where I took this loan out. I feel this is a SCAM. I called Allied Cash Advance corporate number XXXX, they confirmed that I was never in there system. I fell this is a fraudulent call and I would like it to be alerted plus I don't want no negative action on my credit report.I looked up this company 's name on the internet and all I'm reading is that it's a SCAM don't give them your money. I'm willing to pay my debt if this is legitimate. I'm trying to build my credit at this time and don't want no fraudulent activity. Please help me detect if this is real company or not?
Consumer complaint received 2020-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
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 (MA)

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
Consumer complaint received 2020-09-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Avadyne Health Holdings, Inc (GA)

The collector is H & R accounts On XX/XX/XXXX I paid the full amount of the account and I called and asked that it be disclosed however on XX/XX/2020 they report it to the credit bureau as a collection. 
When I called them they said it will be send to the credit bureau at the end of the month Five days after I paid the account in full they add it to my credit report is that legal. 

Regards XXXX
Consumer complaint received 2022-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX and TransUnion is showing XXXXXXXX XXXX XXXX  which is not mine due to someone stilling my Identity I have tried contacting them. Also with XXXXXXXX XXXX not my account either. XXXX has been on my credit report for 11 years, it should be removed by now.
Consumer complaint received 2020-09-27
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. (SC)

XXXX XXXX XXXX has ignored my requests to validate their account. 

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XXXX, and XX/XX/XXXX XXXX XXXX XXXX received a notices from me and they have not responded to any request. 

XXXX XXXX XXXX has failed to respond to several requests of validation. This account has updated each time to the 3 major credit bureaus. 

XXXX XXXX is also reporting multiple addresses to each credit bureau making communication even more difficult. This account has also charged-off two times ; with no current updates. 

XXXX XXXX is NOT a HOLDER IN DUE COURSE and this is why they have not responded. 

Neither Experian nor XXXX provided validation of ant sort. I will update reports also if need be to further prove that these companies are ignoring my letters This account was also sold to a third party debt collector.
Consumer complaint received 2024-02-08
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: LD Holdings Group, LLC (CA)

I supplied the completed XXXX loan assumption package to Loan Depot on XX/XX/2023. XXXX rules dictate that the process must be completed within 45 days of submission, and it is now 60 days past this date and no answer on the eligibility of the buyer for the assumption of the loan. This delay is going to cause harm to both the buyer and seller, who intend to sue Loan Depot for the breach of the mortgage contract.