davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY (FL)

Hello, I have a judgment against me from XXXX XXXX, Florida filed by XXXX XXXX, P.A in 2018 representing two AMEX credit card debts. 

One is XXXX, the other is XXXX... proximately. 

The issue I have is that during the past years, they have sent me several settlement offers which I have accepted three times now but they are just " tossing '' me around by phone when I am asking to finalize the offer that I accepted. Last week my bank account got garnished leaving my bank account empty with XXXX dollars. I am a single dad with a XXXX XXXX XXXX daughter, and now we have XXXX $ and I don't even know what to do. I have called an attorney this morning, but since I have XXXX $ there is nothing I can do since they need to be paid. ( I don't qualify for free legal service ). 

This was not the first unfear and unethical action from this debt collector. They have wrongfully garnished my ex-wife 's account years ago when I had to hire an attorney to get the money back. 

This debt collector doing its job, however, they are manipulating and misleading, giving missed information and since their offer was accepted by me three times over the phone, at this point this is abusive. Any time I call, they listen to me, and they say they will get back to me but never happens anything.

I really could use some help here, hopefully, you guys have something for me, and maybe I can help others who became the victim of Modlin 's harassment, abuse, misinformation, and manipulation.
Consumer complaint received 2017-11-25
Product: Credit card or prepaid card — Store credit 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 ()

About two months ago, Kohl 's began calling to collect for purchases and for added interest and late fees. I have not seen the charges, but I believe purchases are in the approximate area of {$100.00} and interest/late fees take the charges to {$250.00}. They have the incorrect address and phone number and will not accept my current address, saying their system can not handle an address overseas. I have never received a statement explaining the charges they want to collect for. I have received numerous phone calls from polite ladies, and have given them my correct address ten times or more. They refuse to change my address and continually maintain an address in XXXX where I have not resided for several years, whoever is living there does not know me and vice versa. I do not have the credit card if they sent one, it went to an incorrect address. So I have no account number to look up my account online and they refuse to send the bill by email or by regular mail. 
I have requested to speak with managers and supervisors with authority to help me see my statements. Unsuccessful. I was transferred to the President 's Office, no answer. I called the Legal Department and left a message to return my call ... no return call.
Consumer complaint received 2023-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (WA)

My late husband totalled our car at the end of XXXX, and passed in the first week of XXXX. XXXX  took quite a while to settle the claim, but I sent back their Snapshot device with their prepaid mailing envelope. XXXX  claims to have not received this item but I sent it to them, and they are trying to send this to collections. 

I had to harass XXXX  for three months, including the day of my husbands funeral, to pay out the car. What gives them the right to try to collect this?
Consumer complaint received 2024-04-02
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: DHI Mortgage Company (TX)

XXXXDHI MORTGAGE Inquiry : XXXX XXXX, XXXX  Company made multiple inquiries on my credit reports ( XXXX, XXXX and XXXX ) without my consent or due error. I request they be removed from my credit reports. since they significantly affect my credit.
Consumer complaint received 2023-01-13
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. (GA)

Hello my name is XXXX XXXX XXXX XXXX. I am bringing this complaint to your company as a living man. You are reporting an account with an abbreviated name XXXX XXXX which is incomplete. XXXX is reporting a date last active of XX/XX/22, XXXX XX/XX/22, and Equifax XX/XX/22. I was never late on this account. Update the payment history to ok for all months or delete this account due to inaccuracy.
Consumer complaint received 2023-02-09
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (GA)

I closed my credit line Acct XXXX with Suntrust/Truist bank on XXXX after repeatedly losing access to online banking during their merger with BB & T Bank . Due to not having access to online banking, I had to call in to get the total amount due in order to bring the balance to XXXX and close the account. The representative took payment from me of {$120.00} in order to bring the account to XXXX and close it out. on XXXX I got a letter in the mail from Truist bank stating that I owed {$22.00}. I called Truist and was told they didn't see what the problem was on their end and couldn't confirm if it was or wasn't fraud so they opened an internal fraud investigation and would let me know once that process was complete. Several months later without ever hearing back from Truist, I got a letter from them stating that I owed {$68.00}. I called again and spoke with a Truist rep named XXXX on XXXX and requested more info on what was going on. She was able to inform me that there was a charge of {$22.00} that posted on XXXX that I wasn't informed of at the time I closed out the account. At this point I offered to pay the {$22.00} to settle the account but was informed that I would also be required to pay late fees as well of which I refused to do since I wasn't made aware of the existing balance at the date I closed the account. The date of this writing is XXXX and they are saying my current balance is now in the range of {$200.00} due to late fees accruing every month. After no less than 5 separate conversations with different representatives and a one hour round trip to my nearest Truist branch they are continuing to add to the balance on the account that I closed almost 1 year ago. My credit score as a result has gone down over 100 points and I have spent countless hours on the phone and in transit to the branch with no offer of resolution by the creditor.
Consumer complaint received 2023-02-10
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. (FL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-02-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ARMED FORCES MUTUAL AID ASSOCIATION (FL)

I am an XXXX XXXXXXXX XXXXXXXX Veteran an believe that I am been unfairly treated with regards to the approval loan process with the American Armed Forces Mutual Aid Association Mortgage services , specifically , with the underwriting department. I have have every requirement and submitted all the required documents only to have AAFMAA keep requiring additional irrelevant documents to delay this process based on my XXXX in my opinion. I applied for a {$25000.00} HELOC to pay or a replacement roof on/about XX/XX/XXXX and have submitted more than 30 documents and photos and have a credit score over XXXX, my house is valued at more than {$540000.00} and I owed approximately {$360000.00}. Because I am in a XXXX  XXXX bankruptcy since XX/XX/XXXX, my application was approved on a conditional basis. I have met all of those conditions. But I am still being give the proverbial " runaround ''. 

As an XXXX XXXX veteran, who has served our great nation for more than 23 years, I would greatly appreciate if someone would investigate my complaint or recommend the appropriate agency to handle my complaint. 

Regards, XXXX XXXX XXXX XXXX XXXX ( retired ) XXXX XXXX
Consumer complaint received 2023-02-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-11-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP (CA)

I accidentally deposited a check that I thought was my VA XXXX monthly allowance. Similar amount to my usual monthly deposit. I realized the error after the fact but the bank was closed. I had to wait until the next business day in order to fix the error. My VA monthly allowance was deposited electronically to cover the negative balance. I then requested that the account be closed due to it being compromised. They closed the account per my requested but then reported me to XXXX even tho I fixed the error the next business day. US Bank - XXXX is unethical in their banking practices and should be further investigated. I have document proof, bank statements, and receipts in order to have my name removed from XXXX.
Consumer complaint received 2021-03-11
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. (FL)

XXXX XXXX XXXX XXXX in XXXX, AL incorrect information. I have sent numerous letters and called several times to rectify this situation of inaccurate credit reporting. This inaccuracy of credit reporting hinders the overall security in factoring that credit reporting agency report accurate data. I have been unable to successfully have these negative marks on my credit be removed and corrected.
Consumer complaint received 2019-11-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (OK)

Phone number XXXX called multiple times and called family because of alleged debt. They were unable to tell me the original debtor, said it was HSBC, but there were many companies under that label. I was told that mail was sent to an address that I haven't lived at since XXXX. I was told that I made payments until XXXX-I most certainly did not. I asked repeatedly for written documentation of the debt and I would be happy to settle the debt. My request was refused. I asked why it has been all these years and it's just now becoming an issue. I was told that it was the collector 's fault and the original creditor decided to pursue the matter, BUT they could not tell me who the original creditor was. I was told it was a Mastercard, I was told it was a Visa, I was told it was opened in XXXX, I was told it was opened prior to XXXX, I was told that it would be submitted to XXXX county, when I asked why it would be submitted to XXXX county, since the address in question was not in XXXX county, I was told it was a mistake, that it would be sent to XXXX county where the account was opened. All I asked for was a written document of the debt and was denied. This was either illegitimate or they were just being difficult.
Consumer complaint received 2023-02-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request this time to correct the following inaccurate information that is harming my credit. 
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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-11-25
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo Financial Bank opened up an account in my name without my authorization or permission, and sent me a XXXX XXXX XXXX credit card ending in : XXXX, I never applied for the XXXX credit card account. The XXXX credit card account has a current balance of {$4300.00} which is not my charges or credit card account. I contacted my 2 U.S. Senators from Arizona, thats U.S. Senator XXXX XXXX and XXXX XXXX in regards to my issue. Senator XXXX and XXXX sent me a letter assuring me they would look into this matter and contact executives from Wells Fargo Bank to seek an immediate resolution to this matter. Senator XXXX informed me that hes considering calling Wells Fargo Bank Executives to Congress for more senate confirmation hearings on my issue and other constituents in their district complaining of the same issues and problems. Wells Fargo Bank Executives has appeared before Congress for congressional hearings the last few years to answer for Wells Fargo Bank opening up millions of checking and credit card accounts in peoples names all over the country without their permission or consent. Wells Fargo Bank just settled a National lawsuit for opening up accounts all over the country in Americans names without their permission or consent. I was part of the class action lawsuit and Wells Fargo Bank just credited my checking account XX/XX/XXXX for {$85.00} as part of the class action lawsuit settlement for opening up a checking account in my name back in XX/XX/XXXX/XX/XX/XXXX without my permission or consent.
Consumer complaint received 2023-02-10
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. (TX)

I would like to file a complaint against three credit reporting agencies for continuing to reporting a bankruptcy which that was verified through a third-party. not from my own filings or from a court. This is a violation of my rights as a consumer and a violation of the Fair Credit Reporting Act. This violates Section 603 ( q ) ( 3 ) ( A ) ( i ) ( I ) of the Fair Credit Reporting Act ( FCRA ) which states that a credit reporting agency shall not furnish any items of credit information unless the source of such information is a person who has been certified as an agent of such agency. 

Furthermore, similar court cases, such as Mitchel v. Experian Information Solutions , Inc. ( 2011 ) have also found such practice to be in violation of the FCRA. In this case, the court noted that the credit bureau must get its information directly from a certified source to provide accurate information. Therefore, I believe the credit bureau should not have reported bankruptcy which was verified through a third-party and violated my rights under the FCRA.

I demand that the credit bureaus immediately remove the bankruptcy entry from my credit report. In addition, I demand that you provide me with an updated copy of my credit report. Furthermore, I demand that you provide me with a written apology detailing your mistake and the corrective action taken to address this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-11-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I initiated an email to XXXX XXXX XXXX XXXX explaining that because of my XXXX XXXX XX/XX/XXXX, my income has decreased to the point of being unable to make the payments. I inquired about the possibility of rewriting the loan to lower the payment. I was elated to receive a call back from the company 's executive offices. The representative opened a case and began to research the various options. They concluded that although they were unable rewrite the existing loan, they proposed to allow the loan to charge off and subsequently draw up a new agreement with lower monthly payments. I was told that the executive office has the authority to act on behalf of the CEO, XXXX XXXX. I agreed to proceed with this plan. 
A few days later, the representative from the executive offices called me to explain that the file was being given to another individual in the Collections Escalation Dept. When I talked to this gentleman, he explained to me that the account was now in a " holding queue '' and would eventually be sent to another department. He assured me that he understood the plan to restructure the monthly payments after the account charges off. He advised me that if I made any payments to the account, it would prolong the charge off process. Therefore, it 's best not to make payments. 
Well, this gentleman never informed me when the account was turned over to the next department. The company never informed me when the account charged off, and when it was ready to execute the new agreement. On XX/XX/XXXX, we walked outside to find the car missing from the driveway. The company repossessed the car without a new agreement. I tried to reach the gentleman from the Collections Escalation Dept, but he has not made contact with me.

I sent a new email to the executive offices and they reopened my case but concluded that there is nothing that can be done. They are not honoring the agreement to restructure the monthly payments. I did n't respond to any system generated notices because I was led to believe my account was given special handling by the executive office.

Caution : I did n't have anything in writing. I trusted that my account was being handled at the highest level. Fortunately, the company recorded all of my conversations, but I do n't know how to gain access to these recordings.
Consumer complaint received 2022-04-22
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (SC)

We have a XXXX XXXX account that is open between XXXX and TD Bank. There is an ongoing problem between the two companies since at least 2018 looking at reviews online. After a few months of non use the td account will close, not normally huge deal however there is no way for XXXX to see the account is closed. We requested the account open again with TD bank but they can only open a new account. XXXX however can not see a new account because their system is not set up to unlink a credit account. XXXX and TD advised the only way for this to work is to close my XXXX account which has all my stored data and create the account again and that should re link the accounts. After doing that is just created a brand new TD Bank account so now we have one TD account we can't use and a brand new account that is linked with our XXXX account. I'm shocked that XXXX and TD Bank are just opening lines of credit for people that they can not use.
Consumer complaint received 2023-03-01
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: EdFinancial Services (AZ)

Hello, I have 2 student loans showing on my credit reports that are NOT mine! I believe they belong to my ex-wife and step son. I have NEVER authorized any loan nor did I ever sign any loan request paperwork. Would you please help me get this off of all 3 credit reporting agencies? Thank-You very much, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (SC)

Synchrony bank keeps relentlessly sending me emails about a Walmart card I did not create or use to buy anything from like 2 years ago. Wo n't leave me alone or anything when I tell them I made no such card or purchases. They charged interest on a XXXX dollar overdue amount from 2015 it says and now they want me to pay XXXX dollars for things I did n't even buy!!!
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NM)

I have an auto loan from XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XX/XX/2023. There was an error on their part. I was never 30 days late.