davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HSBC NORTH AMERICA HOLDINGS INC. (NV)

I have pulled a copy of my XXXX credit report only to find multiple inquiries that I did not authorize. I have disputed the inquires only for XXXX to respond with a verified letter and to contact the creditor. I do not know how XXXX verified anything when I could not get any information regarding the unauthorized inquiry. I asked for a signed application bearing my signature and no one can produce one nor can they see where I applied. The name of the inquiry in question is HSBC. I shows two different dates of XX/XX/17 and XX/XX/17. I should not have to keep going back and forth with XXXX regarding unauthorized inquires. This is affecting my score and bring my score down. I have started shopping for a home and these inquiries are damaging. Remove them immediately!
Consumer complaint received 2019-07-28
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MO)

145.5 millions of Americans identity has been compromised by hackers via the Equifax data breach and I have been a victim of that breach inwhich has my credit file damaged with negative information, accounts inwhich shall be removed and blocked immediately. 

1 ) XXXX {$940.00} 2 ) XXXX XXXX XXXX {$1000.00} 3 ) XXXX XXXX XXXX
Consumer complaint received 2020-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

In early XXXX, 2020 I contacted Bank of America ( BOA ) Customer Service by phone regarding a Monthly Maintenance Fee of {$12.00}. that was charged to my account XXXX times for a total of {$60.00}. The Customer Service rep refunded me {$36.00}. and {$24.00} on XX/XX/2020. She told me I need to have a balance of {$1500.00}. in the account to avoid further Monthly Service Fees. On XX/XX/2020 I transferred {$800.00}. into the account bringing the total balance in the account to {$1500.00}. In early XXXX I contacted Customer Service and them I wascharged twice again for for {$12.00}. each tototalling XXXX On XX/XX/2020 Customer Service refunded me {$24.00}. After that I wasagain charged {$12.00}. XXXX times for Monthly Maintenance Fees totalling {$48.00}. ( XXXX, XXXX, XXXX and XXXX XXXX. I contacted Customer Service on XX/XX/2020 and spoke to XXXX Customer Service reps who refused to refund my overcharged fees of $ XXXX then transferred {$50.00}. into my account so the balance is {$1500.00}. I am confident once someone of authority at BOA sees the facts they will credit my account the {$48.00}. they owe me. 
Thak you.
Consumer complaint received 2019-10-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WSFS FINANCIAL CORPORATION (FL)

My HELOC loan with Wilmington Savings Fund Society was paid off on XX/XX/2019 by wire transfer to them in the amount of {$190000.00}. The loan reflects " paid '' on my credit report.

WSFS ( Lender ) has refused to return to me the overpayment of loan payoff in the amount of {$480.00}. Additionally, lender has not sent to me the satisfaction of mortgage which I need in order to clear the mortgage from the public records. 

Multiple attempts to speak with the lender about this have resulted in malaise and unconcern. Each time I called, including earlier today, I have been told " that department is behind. They'll get this taken care of by the end of next week. ''
Consumer complaint received 2019-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Requested that the credit reporting company provide written validation document that the XXXX Account # XXXX reported on my account. Transunion has failed to provide written debt validation documentation.
Consumer complaint received 2018-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (AZ)

Chase bank was contacted on XX/XX/2018 about 3 unauthorized purchases. They " researched '' the charges and then decided they didn't have to honor the card holder agreement. The purchases were not authorized and not made by me and the card was not in my possession at the time of the charges. I am not liable for them per my card holder agreement. They need to honor the card holder agreement. 
Contacting FDIC, AZ state board at this time and county attorney 's office in the future.
Consumer complaint received 2019-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (MN)

I have received phone calls 4 times in the past 5 business days from Chase Bank asking me to consolidate my credit card debt. The dates of the calls were Weds XX/XX/XXXX, Friday XX/XX/XXXX, Monday XX/XX/XXXX, and today Tuesday XX/XX/XXXX. I do not have any credit card debt to consolidate, so I have told them to take me off of their calling list. They keep persisting and the phone numbers show up as local cell phone numbers. I have a lot of my customers of my employer that call me so I should answer unknown numbers. 

Today after I asked to be taken off their calling list, the man started swearing at me and calling unthinkable names over and over. I was appalled and never think anyone should be treated like that. They certainly won't take me off their list and I can't stop answering local cell phone numbers. This was so hurtful and I hope they get reprimanded for this type of activity.
Consumer complaint received 2019-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

XXXX has a bankruptcy listed on my credit report that was deleted and then added back on. I called the courthouse. They stated that they don't have anything in the system and that they don't report to credit bureaus. They said that a third party does and that I needed to dispute or file a police report which I have. This needs to be removed again permanently. I have retained an attorney. I have also disputed this multiple times. My attorney states that we can sue the credit bureau and win due to all of my documentation and XXXX refusal to remove it. 

Also, all of the bureaus have multiple inquiries on my report that I did not authorize. They are as follows : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ( XXXX ), XXXX XXXX, XXXX, XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX should not be reporting 3 times, 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, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. 

Please remove these asap.
Consumer complaint received 2018-04-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: URS Holding, LLC (MO)

I received a letter today from XXXX XXXX XXXX regarding a account that has been submitted for fraudulent transactions, also a theft report provided. I have no contract with XXXX XXXX XXXX & don't owe this debt.
Consumer complaint received 2021-03-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

On XX/XX/2021 Midland Credit Management was contacted through certified mail regarding a corespondence of an attempt to collect a debt in the amount of XXXX ( Midland account # XXXX ) The original creditor XXXX XXXX XXXX was also contacted by certified mail letter in regards to disputing alleged debt. Midland Credit Management as of todays date XX/XX/2021 has never responded to written corespondence disputing this debt and a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I asked Midland Credit Mangement to provide me with competent evidence that I have any legal obligation to pay this debt buyer. Meanwhile XX/XX/2021 Original creditor XXXX XXXXXXXX XXXX sent a response stating that the alleged debt I was referencing was sold to Midland Credit Management. I did not consent to any sale of any information between Midland Credit Management and XXXX XXXXXXXX XXXX. I was not aware of any exchange of information between these two entities. After written corespondence was sent to MIdland Credit Management I began recieving several harrasing phone calls multiple times of day to my personal celluar device from Midland Credit Management threatening " legal paperwork needing to be served upon me at my home or place of employment ''. I do not owe or have any obligations to pay Midland Credit Mangement any monies realted to any alleged debt. I am now due monetary remedy for violations of my rights under FCRA.
Consumer complaint received 2018-04-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (MO)

I received a letter today threating to report to my credit. I am a victim of fraud I also have no account nor Contract with XXXX XXXX XXXX or their client XXXX XXXX. Therefore reporting to my credit wouldn't be accurate since this isn't my debt. I do not owe this
Consumer complaint received 2017-07-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AR Resources, Inc. (GA)

On XXXX XXXX, I contact AR Resources ( Address : XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX Phone : ( XXXX ) XXXX ) to request documentation regarding two charges they posted to XXXX, XXXX, and XXXX. I did, however, provide the XXXX account numbers appearing my credit report, and the agent stopped me after the XXXX digit and confirmed the account numbers are not real. I responded, then why is AR Resources provided fake account numbers to the credit bureaus, me, and everyone else with access to my credit file, and I was informed that they would not discuss the matter with me unless divulge my full social security number. The rep told me they already have it anyway because that is how they were able to post the accounts to the credit bureaus, and I told him, I do not think it is proper for me discuss anything without ( a ) an explanation in hand on what I am being charged for and why, ( b ) and that I personally aware of how things can be reported with inaccurate socials, DOB, and names. I also informed them that the debt was covered under a Letter of Protection accepted by the original creditor, and I am in constant communication with my attorney who has not informed me that my case is closed, or of his unwillingness to continue representing me. Additionally, health insurance was provided at my initial visit to the actual creditor : XXXX XXXX XXXX XXXX XXXX ( XXXX ). Neither XXXX, or AR Resources attempted to contact me regarding the debt, though my address and phone numbers are in my credit file, and the date of service was actually in XXXX, but they are falsely indicating that the account open date is XX/XX/XXXX. Furthermore, my attorney XXXX XXXX, has informed me that XXXX has hired debt collectors to go after a number of his active clients and he has personally reached out to them and asked that they cease debt collections, as per the letter of protection.
Consumer complaint received 2019-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DE)

I have an auto loan with XXXX XXXX XXXX XXXX, my payment is due on the XXXX of each month. The branch office is located in XXXX, MD, so I have to make my payment at a shared branch location because I live in another state. On XX/XX/XXXX, I went to a shared branch, the associate at the shared branch advised me to pay {$360.00}. Later that evening I called XXXX to confirm receipt of the payment, the representative told me that payment was short by {$.00}. I explained to her that the associate at the shared branch advises me to pay {$360.00} and questioned why she failed to mention the {$.00}. She had no idea. The rep told me that the best thing for me to do would be to go to an ATM and deposit some money into the savings account that I have and they would transfer the. {$86.00} to my auto loan. I drove to 4 different ATMs that night and for some reason I couldn't make a deposit. I only had the option to withdraw or transfer funds. I called back to let the representative know what I was experiencing but they were now closed. I called back the next morning when they opened and the representative that answered told me that my account was now in collections because I owed {$.00} for the XX/XX/XXXX payment and now because it was XX/XX/XXXX my account will reflect 30 days late on my credit report. I couldn't believe it, for less than {$1.00}. I explained to her that I was given wrong information at the shared branch and I wouldn't have shorted my payment by {$.00}. I also explained that another representative told me to deposit money at an ATM. She advised me that the representative gave me wrong information again. That I can not deposit money through the ATM, I can only deposit money at a XXXX branch in XXXX. The representatives provided me with incorrect information and did not give me a proper solution resulting in a 30 day delinquency on my credit report. I would like XXXX to remove the 30 day delinquency status from the credit report and provide their agents with feedback and education.
Consumer complaint received 2019-10-15
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

Champion Mortgage - XXXX XXXX, XXXX executor There was application and reported grant of extension on HECM reverse mortgage. 
Mortgage company refuses to provide written confirmation. 
Referenced referral law firm voice mailbox full for last 2 days. 
As the mortgage company has already been caused to retract premature acceleration and foreclosure of note they can not be trusted. 
I am still getting 10+ calls per day and people are coming to my door. 
How do I get written confirmation? 
How do you stop solicitation regarding foreclosure? 
They have apparently published my home phone number as well as my address. 
Please advise.
Consumer complaint received 2019-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

All three credit reporting companies are reporting my last car payment to XXXX XXXX reflects XX/XX/2019. I have payments in XXXX, XXXX, XXXX, and XXXX, 2019, all of which are above the minimum amount due. These payments would of course reflect positively on my credit score!!
Consumer complaint received 2019-01-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

This Debit has been on my credit report for several years. I have sent multiple letters asking them so reveal the original debit account ( since they are a debit buyer ) and have received no contact from Midland Credit.
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

I was recently able to locate a defaulted debt on my credit reports that was originally with XXXX XXXX, but is now with XXXX XXXX. As soon as I found out there was a balance on this debt, I started issuing {$100.00} payments to XXXX XXXX in good faith, however, I feel this account should have Charged off on or around XX/XX/2017, or after 120 days of delinquency, the account should have been status-ed as Charged-off. Instead XXXX XXXX has been reporting 180-day lates for several years. In order for me to continue to make these payments in good faith, I demand that XXXX update the 24-month delinquency history to reflect the accounts status as charged-off in beginning in XX/XX/2017.
Consumer complaint received 2024-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (GA)

Nelnet is the service provider for my XXXX XXXX Loan. The loan is under my father 's name XXXX XXXX. XX/XX/XXXX I was charged {$210.00} and XX/XX/XXXX I was charged an additional {$220.00}. While I have autopay set up, I never submitted two payments for the month of XXXX.
Consumer complaint received 2022-10-06
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: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX XXXX # XXXX, XXXX XXXX # XXXX, have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-28
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: WELLS FARGO & COMPANY (NY)

I disputed a charge on my Wells Fargo account. 

I had ordered a pair of shoes and I never received them. 

I received an email from Wells Fargo asking me to indicate the type, size, quantity and brand of shoes that I ordered. 

I have never been asked to provide this information for any other dispute with any other credit card company. 

All that is required is that I state that I was charged for the product and that I have not received it. 

A temporary credit is also normally immediately issued, but not in this case. 

Furthermore, a XXXX search of the company involved will reveal a history of problems.
Consumer complaint received 2019-07-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION (AR)

On XX/XX/2018 I had an automobile accident. From the date of the accident until now, the auto loan company credit acceptance no longer dealt with me. They sent the wrong amount owed on my vehicle to my insurance company and in return collected the wrong amount owed. They then tried seeking collection from me In which i filed a complaint against XXXX with the Arkansas board of insurance. They contacted XXXX whom paid this vehicle off in full. This should not be a negative impact against my credit. I was not at fault for their miscommunication and now I'm suffering from the effects. Please help me remedy this situation.
Consumer complaint received 2019-07-28
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. (CA)

I have an account that is on my Equifax credit report that is not mine. The account is XXXX / XXXX XXXX account number XXXX. 

I was recently affected by the data breech at Equifax and there have been several inquiries made on my credit report as well as an account that is not mine. I have disputed the account and inquiries with Equifax yet they remain. 

They have been removed from XXXX XXXX as instructed. 

I have contacted XXXX and they confirmed the account should not be on my report and sent notification that they would be removing the information. 

I am attaching the correspondence from XXXX and the report from XXXX  showing the requested changes and actions taken.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XX/XX/2022 To Whom It May Concern : It has come to my attention, after reviewing my online credit bureau report, that continued requests for removal of items that have not been authorized by me are still entered as active or inactive trade lines on my credit report. Negatively affecting my financial stability. This is an immediate, Sixth request for removal and blockage of incorrect information. 

There seems to be a continuous high-level of incompetence at your company. I have been forced to submit a dispute every 30 days for the removal of this information. 

I have not placed requests for credit with the below organizations and have no active trade lines with them. 
Id like to know how and why your company has added credit accounts to my report that do not belong to me.
Consumer complaint received 2019-07-28
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)

IAMAVICTIMOFIDTHEFT.MYINFORMATIONWASCOMPROMISEDDURINGTHE2017EQUIFAXDATABREACH.IHAVEENCLOSEDDOCUMENTSTOASSISTINBLOCKINGINFORMATIONFROMBEINGREPORTEDONMYCONSUMERREPORT