davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Central Holdings, LLC (AL)

I received a letter from your company stating that you are attempting to collect an alleged debt. For starters, I do not owe your company any money, for two how in the world are you collecting a debt on behalf of another collection company? So, are you insinuating that I had an account, or some type of credit was lent to me on behalf of Credit Central? I have not done any business with your company, or any other company involved. 

I need you to provide legal proof that I have the right to do business with you, what bounds me to you? What kind of business dealings have I done with you? Please provide me with a full debt validation, I am demanding that you remove this account from my credit reports at once, it is absorbed that your company would put something like this on my credit file. Not only do I not owe you any money, but I know for sure that a collection can not collect a debt on behalf of another. 

My lawyer has advised me to contact the FTC as well as the CFPB which I have done so. I am currently waiting on the hard copy of the police report that I have filed against your company and all companies involved in allowing this false account to be reported to my credit file. Please remove this account in 3 business days from this letter. This false account has tarnished my credit file. 

I hereby state that the information above is true, to the best of my knowledge. I also confirm that the information here is both accurate and complete and relevant information has not been omitted.
Consumer complaint received 2022-03-23
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NV)

I make de posit on my. Citibank accounts but. They never. Let me. Use the. Money. They close my. A counts. But my account has money 's what i need. To use to pay my bills and use to do my work. And. They. Dont want transfer to my bank account. They hold my money one of the bank account has. {$75000.00}
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I called your department after I purchased a credit report with XXXX XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was negative charge off on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this charge off account, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXX XXXX XXXX. 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Consumer complaint received 2017-02-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (NY)

I had an account with XXXX in XX/XX/XXXX this was previously disputed for XXXX $ $ because at & t sold their towers in the area of my employer so my father and I whom both work here could not receive any phone calls while in our job, XXXX agreed and deleted it from our credit report. Now they 're saying I owe a combined about of XXXX sounds like XXXX is trying to combine the XXXX XXXX my father and I owed for termination onto my report only.
Consumer complaint received 2022-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

I have checking and saving accounts with USAA and no other types of accounts. I received a message that required me to disclose both my annual schedule income and net worth in order to keep access to my account via the mobile app. Absent investment accounts, which I do not have this is a violation of my privacy as I believe this info is only used to market me other products.
Consumer complaint received 2022-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (KY)

Our mortgage was bought by Roundpoint Mortgage in XXXX of XXXX. We were informed that at closing there was an escrow shortage of approximately {$700.00}. Roundpoint informed me that if we pay that amount, then our monthly payment would decrease. I spoke with a representative on XX/XX/XXXX who told me to pay {$420.00} and in XXXX our payment would decrease. In XXXX we received our XXXX statement with no changes reflecting. I spoke with a 2nd rep from Roundpoint who said that I would need to wait until XX/XX/XXXX for the escrow balance to reflect. I checked on XX/XX/XXXX and nothing changed, and made the original monthly payment. Spoke with the 3rd rep on XX/XX/XXXX who informed me that I was told incorrectly ( on waiting and the amount ) and I needed to pay an additional {$160.00} for the escrow and that he would make a request to conduct the escrow analysis. He told me to wait until XX/XX/XXXX for this to take effect. I was called on XX/XX/XXXX by a 4th rep inquiring why a payment was not made and I caught her up to speed. She said that an analysis hasn't been done and to go ahead and pay the monthly payment but it will be completed for XXXX 's statement. Today, XX/XX/XXXX, I receive the XXXX statement and just as before, nothing has changed. I called to make a complaint or to speak with someone higher up, and I spoke with my 5th rep from Roundpoint. She did not take a complaint but stated that an escrow analysis has never been requested on the account, but she would input one right now. My frustration is this : if this is something that can not be applied, I would never have paid the extra money. I have been told different things from each rep and I have no trust in this company at all. They do not have the customer in mind, and clearly they are not properly trained nor do they ask for help if they do not know how to do something. I'm hoping that rep # 5 actually knew what she was doing and completed the request, but I have little confidence in RoundPoint Mortgage. Clearly they are a company about taking the customer 's money.
Consumer complaint received 2022-03-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (MD)

My phone, license and debit card were stolen Sunday, XX/XX/2022. I got a new phone replaced and a new license ordered. When I called my bank they locked my account. I have gone back and forth with them via email and phone to get my account unlocked. They required I send my social security card in place of my license and a selfie with my card. I sent it several times and they keep asking for more information. I have called them numerous times and each time they direct me no where and now they have started to hang up on me. I have sent them all my info and now I am afraid it will be misused because they now have all of my money.
Consumer complaint received 2022-03-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK (AZ)

First the identity theft was after scam. I didn't know I was being scammed until the wire transfer was done. And I kept trying confront the person, the account that the money went to had nothing to do with customs, that's how I learned, it was a scam. After that the same person got a hold of my account information, trying to deposit a bad check. So learn the whole story before denying me anything. You did not investigate because you don't even have story correct. Maybe your involved in the scam.
Consumer complaint received 2022-03-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Heartland Resolution Group, LLC (VA)

The Heartland Resolution Group called me from XXXX XXXX XXXX on XXXX around XXXX XXXX. My phone rang once and disconnected, so I called them back. They purport to be a debt collector company and alleged I owed a medical debt to XXXX XXXX XXXX. I told them I don't owe them or anyone any debt and none of my medical bills are in collections. They pressed me for personal information to " check my account " and I said no, and they hung up on me. I XXXX  them and they are a scam company that goes by the names Heartland Resolution Group, Heartland XXXX XXXX, and/or XXXX XXXX XXXX XXXX I called XXXX XXXX XXXX and asked them to check if any of my accounts with them are in bad standing or have gone to collections and they told me no, and that furthermore, they have no idea who the Heartland Resolution Group, XXXX or Heartland Group even are. I called Heartland back and let them know that I know they are a scam, fraud company and again they hung up on me. Read the reviews that are written about them online as it shows the extent of their con and fraud. They are basically conning people into setting up debt " payment plans ''. They keep the money you give them thinking you are paying off debt and do not give it to the real creditors. My outstanding bill with XXXX XXXX is around XXXX dollars and still in review with my insurance company so I have no clue how they even knew about it. I am reporting them to the Attorney General of my state for investigation. They are thieves of the lowest kind.
Consumer complaint received 2022-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have been a capital one card holder for almost 7 years. I have had remarkable success with my interactions with capital one staff members until recently ( 1 yr. ago ). My card was restricted XX/XX/2021 with no warning while I was in EXCEPTIONAL STANDINGS. I have always paid my bill on time, and I was often granted an increase in my line of credit. 

Once my card was restricted in XX/XX/2021, I immediately reached out to the fraud department. They advised that I send a copy of my drivers license and social security card. After 8 attempts, I finally was told they received it but now they needed a copy of my utility bill with my address showing. After going back and forth with multiple representatives, giving false promises that they will call me black after they receive a copy, and after sending my utility bill five times because the first four attempts were not a clear copy ( although they read everything to me, but they still needed a clearer copy! ) Finally, after capital one admitted they received all three requested documents on XX/XX/XXXX, I was advised by three different representatives ( last representative was XXXX XXXX ) he said he need my bank statement. Now this is going too far. I am an ACTIVE, GOOD STANDING CARD HOLDER why do I have to provide my personal bank statement. He was vague and would not give me a reason for requesting my bank statement. 

I feel completely disgusted with the service I have been receiving from Capital One. I do not feel valued, I feel like I am being taking for a ride. I am not satisfied with the service that I have been provided and I am requesting someone please take a good look at my current file and read the notes in detailed. I should not experience what I have been experiencing as a valued customer. I am requesting action and hopefully this will get resolved.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ACIMA CREDIT, LLC (FL)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Acima XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section XXXX States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. I currently work from home. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 
I had to block the harrasments.
Consumer complaint received 2022-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I schedule a payment to XXXX XXXX auto account for XX/XX/XXXX, money was available in my account for this payment. the payment was sent via Bank of America Bill pay dept on XXXX, XXXX but for some reason, the payment was held by the bank of America and posted to my checking account until XXXX, XXXX causing 6 overdraft fees ; BOA admitted to the error but refuse to refund me the overdraft fees. I spoke with Supervisor XXXX and several other reps who did not resolve the issues. I received an email from BOA admitting to the error but they are not willing to refund the money
Consumer complaint received 2023-06-29
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX  XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2017-01-13
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (NC)

The summary of documents I received from WFHM, included and attached are the payments WFHM chose to omit. For whatever reasons they chose to do this, has cost me a chance to refinance and due to the fact that WFHM does not report my mortgage. It has also affected my credit score for years, the re-affirmation paperwork was never sent to the XXXX XXXX XXXX XXXX. I have gone directly to XXXX and spoke with XXXX XXXX XXXX directly and his staff and WFHM, failed to send the required paperwork to the XXXX and Courts. Additionally, they are refusing to re-affirm the loan and refusing to take responsibility for the missed payment history and responsibility of fault. As seen in the correspondence attached. WFHM needs to be thoroughly investigated for the common practices they exercise in not reporting all mortgage payments of their customers. It seems the monies received from clients are used to set up other accounts not known to their clients. This is the precise reasons they have been bumped down to a XXXX rating. This has been I estimate about the 50th letter I have sent to the CFPB, only for WFHM to reply and stall in working on a solid solution. WFHM does a smoke screen in delaying the responses, so as to apply the payments late and set up accounts, unbeknownst to the consumer.
Consumer complaint received 2022-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NJ)

In early XX/XX/2022, I received a credit alert of a Debt Collection on my credit report. It was for an energy company called XXXX XXXX XXXX for {$140.00} being collected through a company called Transworld Systems , Inc. I disputed this account since I had no knowledge of it and believed it to be fraud. All three disputes went through successfully. I froze my credit shortly after. 
Then on XX/XX/2022, I received another credit alert of yet another Debt Collection on my credit report. It was for a different energy company this time called XXXX XXXX XXXX XXXX for {$360.00} being collected through the same debt-collection agency, Transworld Systems , Inc . I disputed this report for error on all three company websites and also place a Fraud Alert with all agencies.
Consumer complaint received 2022-03-23
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. (NC)

Equifax refuse to investigate and remove a 3rd party collection agency incorrect information on my credit report. I have no knowledge of this of this agency XXXX XXXX. I have NO CONTRACT OR SIGN A CONTRACT WITH THIS 3rd party COLLECTION AGENCY. I have disputed this fraudulent information 4 times XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Equifax will not remove this 3rd party NO CONTRACT debt. After disputing the fraudulent charged Equifax let the consumer/3rd party XXXX XXXX XXXX place a refusal to dispute on my credit report ; which states I can no longer dispute the 3rd party XXXX XXXX XXXX charge and it will remain on my credit report along with the collection agency statement for other creditors to see if i apply for credit. XXXX XXXX refuse to take any more of my complaints or disputes. The issue I have is why Equifax allow a collection agency to put a statement on my credit report to reject any of my disputes or complaints and also to let other creditors see ony credit report? This is not the law for FCRA Fair Credit Act Report guidelines. This type of action from Equifax is out of FCRA compliance requirements for a customer contesting incorrect accuracy of information on their credit report. This is the type of treatment these credit bureaus need to stop immediately. I have every right to dispute 3rd party collections NO CONTRACT fraudulent information. These 3rd party collection agencies have no right to collect a dime when a client have no contract or agreement with their business. Also, Equifax never increased my credit scores after Department of EducationXXXX informed them that over {$150000.00} school loan debts were paid in full. Equifax removed the debt, but no increased credit score. My understanding when debts are paid in full credit scores should increase. There were 25 Department of Education/XXXX loans paid in full ; however, there were no credit score increase to show loans were paid in full.
Consumer complaint received 2022-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Transunion On record has been informed to remove this credit collections services account and still has not removed it. When this issue was resolved in the agreement of paid was to be removed from my credit. This information is inaccurate on report and must be removed please.
Consumer complaint received 2022-03-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc. (GA)

A simple look at the XXXX reviews for XXXX in XXXX SC is a fair indication of false reporting to credit bureaus. Each interaction a representative states a different date for the last payment made. The amount changes every time. There is a recorded call that they will not retrieve indicating that the debt would be removed from my report. They refuse to remove it due to recent policy changes. They also can not properly indicate to me the original amount the debt was for. Their phone number is ( XXXX ) XXXX. I have attempted and successfully gotten this debt by requesting from the bureaus, they simply report it again months later.
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Paypal Holdings, Inc (TX)

Upon learning about my identity tdelete this thread yesterday they I sent emails to to the companies that I have accounts with such as PayPal In an attempt to help fix my damaged reputation and limit it, However today XXXX today I received appointment back print XXXX from PayPal upon learning about my issue I issue they banned me permanently from their systems for what they call or refer to as increased risk and suspicious activity Causing my identity to be further they're damaged and my reputation further damaged it is now my customers will ask XXXX will ask what has caused PayPal to ban him?
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

n accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions