davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I opened an HSBC advance checking account around XX/XX/2018 after receiving the Direct mail promotion which says if I deposit XXXX. I will get cash {$350.00} to my account. I deposit the money within several days I open the account. Now more than 3 months passed, I did not get the promised money in the promotion ads, which I think it is cheating ads from HSBC. I called the bank and I was told someone will contact me within 5 days. Now more than one week passed, nobody contact me.
Consumer complaint received 2016-11-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Valentine and Kebartas, Inc. (WA)

Between the time of XXXX and XXXX ( XXXX XXXX XXXX ) on XXXX/XXXX/2016, I received a call from the phone number XXXX. I spoke to a lady there. She did not give a clear description on who she was calling regarding. She told me that my credit card was n't going through, etc. I was transferred to her supervisor. Her supervisor told me that he could not take half of the payment after I offered to pay half. He said I was " calling his bluff. '' He raised his voice and said " XXXX wants this NOW '' and " you can not pay half. '' period. You owe a debt. you pay it. I informed him the line was recorded. He said, " I know the line is recorded. I am not stupid. '' I told him I was going to report him verbally abusing me and harrassing me. He said he didnt care. He was very verbally abusive. He said many more things and was raising his voice at me and yelled at me saying I had to pay the whole amount. I called back in around XXXX XXXX, I spoke to another person who said that the supervisor was lying to me and she could take half of the payment. She gladly took half of the balance that I owed as a payment. The supervisor harassed me and bullied me. He also practiced deceptive collection practices, which is completely illegal. Please take care of this issue. I was on the phone in tears after my phone call with them. I did not get the name of the agency when they called, I 'm sorry, but that is their phone number. Thank you for your assistance.
Consumer complaint received 2021-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US) (LA)

Called on XXXX XX/XX/2021 Received letter in mail from Allied International Credit Corp ( US ) XXXX XXXX XXXX  XXXX XXXX XXXX, Virginia XXXX Telephone XXXX XXXX XXXX Letter had reference number, along with the creditor listed as XXXX the account number only has first 3 numbers then asterisk after XXXX XXXX ). The amount owed is {$380.00}. I called the number and spoke with representative. He informed me this was for an XXXX  seller, I let him know I have never sold anything on XXXX. He then asked me if about several different types of contact information, such and email, user name, and telephone number..none of which belong to me an I do not recognize them. He asked me about 2 items, some type of table, and some shoe orthotics..I am assuming these are the items that were sold on XXXX, but again, I have never sold any items on XXXX. He told me that he would report it as fraudulent, and I would have to check back in 18 days to see what the fraud department says. I asked for name and reference number but he would not give me one ... I thought this was strange. I have forwarded a pic of the letter to the XXXX  spoofing email, but I cant get in contact with anyone at XXXX. 
This seems like a scam, there are several people who have asked questions about this company on the XXXX website ... goes back for a few years. Seems like it has been around for a while, but if it is a scam why are they allowed to get away with it? 
I do not want to be reported to debt collection for a fraudulent debt.
Consumer complaint received 2018-05-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: The J. G. Wentworth Company (GA)

JG Wentworth proved to be incompetent and unresponsive in getting their primary task completed-closing a home loan on time. I began the application process over two months before we needed to close on a new house ( I had to wait to lock my rate-two months before closing. ) They were not able to deliver the paper work to the closing attorney on time. To rub salt in our wounds on closing day the closing attorney tried over and over to get in touch with our loan processor and no one returned their call-all day. We were supposed to close our loan at XXXX XXXX on Friday and when all parties arrived at the closing attorneys office they had not heard one word from JG Wentworth concerning our closing package. Needless to say the people we were purchasing the house from were furious and we were out on the street for three days ( it was Friday. ) We incurred over {$3800.00} in expenses and loss of wages, not to mention the embarrassment and anxiety they caused us. Everything we owned was in a locked house we did not own. JG Wentworth offered us a remediation gesture that does not begin to cover the loss we incurred as a result of their utter ineptitude and lack of corporate and personal professionalism.
Consumer complaint received 2018-05-10
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. (FL)

Forced to move from XXXX at XXXX XXXX apartments in XXXX XXXX, FL due to foundation issues and mold. The foundation was literally on jacks when I moved. My lease was up and the apartment complex kept my deposit for reasons unknown. Never had any damage to the apartment on my behalf after 5 years. They never replaced carpet or painted as promised afterbeach year during lease renewals.
Consumer complaint received 2021-10-12
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

BOFA CLOSED MY ACCOUNT FOR NOT REASON AND STATED WITH XXXX THAT IT WAS FRAUD!! RELATED TO # 1 AND # 2 : MY SON WAS XXXX AT THE TIME SOMEONE Compromised HIS ACCOUNT : I HAVE NOT HISTORY OF FRAUD!! 

MUILTI CALLS AS TO WHY MY ACCOUNT-NO DIRECT Answers : MY ACCCOUNT WAS IN GOOD STANDS AT THE TIME THEY CLOSED IT : I RESEARCHED THE MATTER AND FOUND MANY other banks are randomly closings accounts OF MINORITIES AS WELL AS PEOPLE WITH SMALL AMOUNTS DUE : IT'S CURRENTLY A CLASS ACTION LAW SUIT BEING FILED FOR DISCRIMINATION for banks closing customers checking/saving accounts withno notice. BOFA reported me to early warning credit as abuse ( with no documentation of FRAUD! 

I'm currently CAN NOT open a normal bank account due to being XXXX discriminated by XXXX and Bank of America : I will SUBMITTED a separated compliant with XXXX : No verbal nor written reason for the closed account received : however they reported this to early credit warning as FRAUD : this is very misleading and a discriminating process as well as preventing me from opening up a bank account : I HAVE ATTACHED A FEW STATES AND THE EARLY WARNING FILE : BOFA AND XXXX HAS FALSE INFO REPORTED, I HAVE THE FULL DETAILS FOR BOFA AS WELL. 

ACCOUNT FOR BOFA # XXXX XX/XX/2020 CLOSED Account # : XXXXComplaint NumberXXXX FILE XXXX CLOSED XX/XX/2020 EARLY WARNING REPORT FROM BOFA STATED FRAUD : I HAD A DISPUTE # 1 RELATED TO A SPORTS TEAM FEE ( I Decided to not allow my son to play on a basketball team and tried to cancel the fee ( but the team portal did not have an option ) months past and BofA sided with the other side ( even though my son never played on the team ) may AAU TEAMS Have issues like mine ) paper tail attached : REF : Bank Routing # : XXXX Account # : XXXX Compromised my son 's account : # 2 MY SON 'S WAS XXXX OLD AT THE TIME AS HIS ACCOUNT DEBT CARD WAS STOLEN AND SOMEONE WROTE A BAD CHECK : ATTACHED Name : XXXX XXXX XXXX SSN/Tax ID # : XXXXPhone : XXXX Address : XXXX XXXX XXXX, XXXX, GA XXXX USAID # : XXXX ID Type : Driver 's License/USA ID State : GA Alt ( I DO HAVE A COPY OF THE CHECK THAT I CAN ATTACH AT A LATER DATE ) ID State : GADate of Birth : XXXXBank Routing # : XXXX Account # : XXXX Account Type : Joint signerIncident Date : XXXXPrincipal Loss : {$0.00} Fee Reversal : {$0.00} Combined Loss & Fee Reversal : $ XXXXPaid/UnPaid/Settled : UnpaidContribution Reason : " Checking Account FraudC ''
Consumer complaint received 2016-07-05
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (FL)

I started a loan modification program with Well Fargo in XXXX 2016, I made the XXXX trial payments in XXXX, XXXX and XXXX of 2016. We are now into XXXX of 2016 and the plan is still in limbo, I have had nothing but difficulty in getting this resolved with Well Fargo, as I have made over XXXX phone calls and ca n't get no-where. I have had XXXX different people assigned to work with me by Wells, the last XXXX named XXXX XXXX, has been extremely difficult to work with. I recently asked to speak to the manager of his department, I left a message for her, but have never received a return call. When I do get a live person in their modification Department, they always look at my account, they say everything looks good, so they place me on hold, so they can contact the title department, once they come back they always say, the title department says all is good and will be mailing out your paperwork to sign. Unfortunately, this paperwork never comes. Recently, I received a phone call from XXXX XXXX, he left a message saying that I would now need to file an appeal since the time frame for completing the paperwork had lapsed. 
This was the last draw, I have sent them everything XXXX to XXXX times, so they are going to punish me for their incompetence? I have more then jumped through hoops for these people, I have not missed a payment, but they seem to move the finish line each time. I can never get a straight answer from them, it 's just maddening.
Consumer complaint received 2021-10-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Applied Business Services, Inc. (NC)

COMPLAINT BASIS : I am having severe issues with a Collection Company that has been attempting to collect on a debt that I am NOT LEGALLY RESPONSIBLE for paying.

It may have even already been paid by the Responsible Party involved.

My Name/Credit should NOT be involved regardless.

The Collection Company involved has been repeatedly notified via multiple Credit Reporting Disputes of this situation & refuses to correct it.

Now, on a least one of my Credit Reports they have RETALIATED against me for filing a Fraud Dispute against them, by then literally DUPLICATING a Collection originally posted under a different Collection Company name ( which they may even own ) under their OWN NAME as an Additional Collection Account with literally the SAME Account Number, Amounts, Original Creditor, etc. but strategically changing just the filing date numerals to DEFEAT the Reporting Companys computers from identifying the clearly intentional duplication. The Credit Reporting Company involved even identified this duplication attempt. 
This Company believes it can violate Federal and/or State Regulations at will, & attempt to retaliate/ intimidate consumers trying to get them to comply.

Therefore, I am filing a Federal Complaint against the Company involved, to make your Agency aware of their improper, threatening tactics, in order for ALL appropriate corrective actions to be enacted against them, so that ALL consumers are protected from them. I reserve the right to also file State level action/s with the Attorney Generals Office as well. As well as Civil Damages resulting to me from these improper acts.

BACKGROUND : I suffered a XXXX  XXXX  with XXXX XXXX XXXX ( including an XXXX  ) THROUGH NO FAULT OF MY OWN at a Restaurant due to a defective step, No Warning Signs, & no lighting. 
The RESTAURANT INVOLVED & THEIR INSURANCE COMPANY WERE LEGALLY RESPONSIBLE FOR PAYING ALL MY MEDICAL BILLS from this Incident as part of their Settlement to Avoid Lawsuit. 
ALL the Bills were Submitted to the Restaurant & their Insurer including the Bill/s in question. Bills were clearly paid by the Restaurant & its Insurer. Why these ones were not credited paid and attached to me as Collections at all is clearly due to IMPROPER actions by the Collectors involved. Since I am NOT LEGALLY RESPONSIBLE for any payments. 
DOCUMENTATION : I have attached copy of a Letter from my Attorneys Office ( XXXX XXXX XXXX, Attorney XXXX XXXX XXXX, XXXX, NC XXXX ) attesting to & fully detailing the foregoing. The Attorney can verify the accuracy & truth of the Letter & Facts.
Consumer complaint received 2018-05-11
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. (IL)

A collection account that says it was opened : XX/XX/2017 - XX/XX/XXXX - original creditor name : XX/XX/XXXX {$5000.00} This account was not opened by me in 2017. Seems as if when my social was compromised, someone must have created this account. 
This should not be on my credit report. 
This does not belong to me.
Consumer complaint received 2018-05-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Credit & Finance, Inc. (FL)

This company has sent me multiple letters and has reached and spoken to me by phone so they are aware they have my correct information. I told them I would pay when I could and to stop calling until then. After that, that have harassed/repeatedly called my parents and several grandparents and have given information that this was concerning a debt which should not be given to family members
Consumer complaint received 2016-04-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (NY)

I was contacted by Wells fargo in XXXX 2015 about bringing my loan current. I had spoke to a counselor or supervisor and was told i made ~ {$1500.00} payment before XXXX XXXX 2015 i would be brought current. I made two separate payment of {$700.00} and was contacted by the same agent asking for another {$140.00} to be brought completely current. i made that payment as well and was advised i am completely current and would need to make regular payments beginning XXXX 2015. I continued making payments but on my bill it showed i was still delinquent and there had been other late charges applied to it. I contacted them several times about this to no avail. Then one time i was told this balance was carried from XXXX 2015. I have asked them repeatedly to listen to the calls from XXXX and XXXX to sort this out but they refuse to do so. instead they have been adding " other charges and fees '' to my bill and have brought the total amount due to over {$2000.00} and have adversely affected my credit.
Consumer complaint received 2018-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (MD)

The Original Creditor ( XXXX XXXX XXXX ) closed the account of {$1100.00}. An unauthorized account was opened by XXXX XXXX COMPANY LIMITED LIABILITY COMPANY on XX/XX/2016.Nothing is due to XXXX XXXX COMPANY LIMITED LIABILITY COMPANY because I never agreed to a contract with them.
Consumer complaint received 2022-07-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-05-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have been overseas playing XXXX XXXX in XXXX when I started noticing random accounts appearing on my credit. I am not sure how someone could've gotten a hold to my personal info but my credit has definitely been compromised. I have no knowledge of who exactly could have done this. On my credit it states that this account was opened in XX/XX/2012 but I didn't notice it till a couple years later due to the fact that I don't use my credit as much.
Consumer complaint received 2018-05-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC (AZ)

InXX/XX/XXXX I learned of Contract Callers, a collection agency reporting on my credit report for a past due bill owed to XXXX XXXX XXXX ( XXXX ) in XXXX Arizona of {$260.00}. I contacted Contract Callers on XX/XX/XXXX and was informed that Contract Callers had just acquired my file from XXXX in XX/XX/XXXX ; the contrary said to Contract Caller 's reporting on my credit report as of XX/XX/XXXX. The same day ( XX/XX/XXXX), I made an initial payment, followed by two subsequent payment arrangements for XX/XX/XXXX, and XX/XX/XXXX to bring the balance of XXXX to current ; to which I fulfilled the payment agreement. 

I contacted Contract Callers towards the end of XX/XX/XXXX to request in good will my account be removed from the credit report as I knew the account to be older than seven years from date of first delinquency on XX/XX/XXXX, Contract Callers refused to remove the collections account from my credit report. 

On or around XX/XX/XXXX I felt I had recourse through XXXX   by filing an online dispute requesting Contract Callers be removed and/or deleted from my credit report for failing to report accurate account information. To which XXXX  failed to perform a thorough investigation or else they would have discovered Contract Caller 's re-aging the collection account open date of delinquency to XX/XX/XXXX to enable Contract Callers negative reporting, thus continuing to affect my credit buy malicious oppression. As of current date, Contract Callers continues to report this negative collection account on my credit report and any attempt to seek relief of an investigation by XXXX, they are of no avail in simply asking Contract Caller 's " to certify '' they are accurately reporting/providing XXXX with true information.
Consumer complaint received 2015-07-25
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY (WA)

I refinanced my loan car with XXXX XXXX credit union on XXXX XXXX. A payoff check was originally sent out on XXXX XXXX it was discovered that the check did not get received at the address provided them for payoff. XXXX XXXX put a stop payment on that check and reissued a new payoff check has not been reconciled so today is XXXX XXXX and stillwells fargo did n't receive the payoff so now I am penalty with almost 90 days with wells fargo.
Consumer complaint received 2016-07-16
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo Home Mortgage sold my mortgage to XXXX XXXX aka XXXX in XXXX. When Wells Fargo Home Mortgage sold the mortgage to XXXX aka XXXX, there was an assignment of mortgage that mysteriously appeared in the county records. The mortgage was never assigned to Wells Fargo Home Mortgage. The assignment of mortgage that appeared was allegedly executed on XXXX/XXXX/XXXX and alleges that XXXX was the assignor and XXXX. was the assignee. This document was not recorded in the XXXX County records until XXXX/XXXX/XXXX and the document was NOT recorded by XXXX. The document was recorded by XXXX XXXX XXXX and prepared by a known robo-signer and false document mill by the name of XXXX XXXX. The document states that it should be returned to XXXX XXXX XXXX after being recorded. There are XXXX loan numbers on the assignment. XXXX belongs to Wells Fargo ( XXXX ) and the other belongs to XXXX ( XXXX ). There is also a min number ( XXXX ) on the document and the first XXXX digits of the min number are the company number for XXXX XXXX XXXX. At the time this document was prepared and signed, XXXX, had in fact been defunct for 2 years. XXXX merged and became XXXX for name purposes only in XXXX. When the assignment was executed, the loan was with Wells Fargo and there was never an assignment of mortgage made from XXXX to Wells Fargo. When this document was recorded, XXXX fully purchased the loan from Wells Fargo. This assignment of mortgage is a fabricated document. Wells Fargo admits there was a purchase made of my mortgage by XXXX but is refusing to provide me with any documentation. Wells Fargo Home Mortgage is stating the information I am requesting is confidential, privileged and or proprietary information of Wells Fargo. In the state of Florida this is a public record and as such, was supposed to be recorded in the county records. According to Wells Fargo Home Mortgages own records, this loan was " paid in full '' in XXXX. There are XXXX DIFFERENT companies involved on XXXX assignment of mortgage. It is extremely clear that this is not a valid document.