davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BBVA FINANCIAL CORPORATION (AL)

XXXX XXXX, XXXX XXXX XXXX, contacted BBVA Compass after husband XXXX XXXX XXXX, that the bills coming were for a credit card issued to XXXX, not XXXX. The original paperwork shows the card belonged to XXXX. No charges had been made to the card in the years prior to XXXX 's XXXX. He was simply paying off the card. The result appears to have been that BBVA Compass added XXXX 's name to the card without asking permission. In turn, XXXX has been paying the bills as they come in, now paying over {$5000.00} on a {$4000.00} balance. Assistance is requested to please ask the BBVA Compass to retire this debt and correct their records showing the card is not XXXX XXXX
Consumer complaint received 2019-01-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

On XX/XX/XXXX I received documents and a welcoming letter from USAA about opening a checking account. However, I never did nor authorized such an action. The account number is XXXX and appears to have been opened earlier in XX/XX/XXXX. I spoke with the bank staff including XXXX and XX/XX/XXXX, both customer service support who did confirm that this account was opened in my name, had my correct SSN and address but a different email address. They confirmed that a debit card was issued and an initial deposit made into the account, again, with no knowledge on my part. They also confirmed that the debit card was stopped by their fraud department but the account is open but on a hold as of XX/XX/XXXX. I requested several things be done immediately but they could only promise that I would be a call within 3 business days. I requested the following : The account be closed immediately with all funds redirected to their fraud account My name and all other information be removed from this account. 
Issue a letter by end of day XX/XX/XXXX confirming that all was accomplished. 

I inquired how a bank account could be opened without any credit check or other validation done by the bank. I have my credit reports frozen on all three credit agencies due to possible breech of my personal data. They could not answer that question and I am concerned for all their clients that no validation is done before an account is open. 

I believe this to be a scam attempt, opening a checking account with minimum deposit and then issuing fraud checks against insufficent funds. My concern is that this activity and/or closing of the account by the bank will be reported to the agencies and appear on my records, thus damaging my credit worthiness.
Consumer complaint received 2023-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jim Bottin Enterprises, Inc (SC)

Received a collection letter from you for a collection effort from XXXX XXXX XXXX XXXX XXXX. We had been members in good standing for many years with XXXX XXXX. Please check with XXXX XXXX, or Anytime XXXX XXXX XXXX WI at XXXX to see how long we had been members of Anytime. A job transfer took us to XXXX, TN in XXXX of 2021, At that time we starting visiting the XXXX XXXX location. The then owner XXXX attempted to transfer our memberships from Wisconsin to her location in Tennessee. She was able to transfer mine with no problems, but deleted XXXX 's account somehow. We went around and around with XXXX, and XXXX XXXX. They were able to locate her account and did acknowledge she was a member in good standing, but they could not reinstate her for some reason. After numerous conversations with XXXX, the only solution was for XXXX to have to sign back up with her. This error had nothing to do with us, and having to re-up was a huge inconvenience for us. As my membership was moved over without any issues. We had been members with Anytime for years and had no issue with this. At no time were we told that we would be locked in to a membership. I was transferred again for my job. Had there been an XXXX XXXX in XXXX, XXXX  there would be no issue. As you can see by the attached documents I had tried numerous times to contact the gym XXXX, and the owners. There was never any response. Whenever we visited the gym regardless of time there was never anyone there to discuss leaving the gym with. It was only after we moved that I was able to get in touch with someone at the XXXX XXXX location. I explained the situation to XXXX, the new XXXX, sent him the attached and thought we were all good. Apparently XXXX, was no longer the owner, and there were numerous issues he was dealing with from the prior owners.
Consumer complaint received 2019-01-30
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. (OH)

still reporting acct delinquent when it was brought current and is current XX/XX/XXXX is date acct was brought current and today they reported it delinquent again. As well as they show up as XXXX on XXXX  and XXXX XXXX on equifax
Consumer complaint received 2022-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

Record XXXX XXXX dollars was denied you have not explained nothing wells Fargo stole money from the bank and put XXXX in to my account to deposit a federal tax child income credit send me the letter stating this is legal. attached with my back statement you have not resolved this issue you were to only deposit the child tax credit not put free money into my account according to wells Fargo representative the called me regarding the case he said you complain about free money I said wells Fargo stole someone money and put it in my account the representative didn't seem to concerning about the issue .for claim XXXX XXXX for XXXX from woodspring motel again wells Fargo has not resolved this issue this transaction was not disputed wells Fargo has not pursued the issue or has not secured my account the have allowed an illegal transaction on my card to go threw and also steal my money out of my account woodspring doesn't not have compelling evidence I have said serval times to show me were XXXX XXXX check in and stayed at the motel check in at XXXX XXXX  at check out at XXXX on XX/XX/XXXX provide me with a video of me checking in and checking out. Also I need a confirmation and video of me checking in and signing the check in receipt. And I have said numerous times I didn't not stay at this motel nor is this my signature signing in at check in time of XXXX XXXX  on XX/XX/XXXX this is fraudulent and I have told wells Fargo about this wells Fargo has refused to investigate this issue properly. This case will not be closed until I see the results of what I have asked until you show the evidence that I have stayed at the motel and I check in with my signature.
Consumer complaint received 2019-01-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCC Business Services, Inc. (CT)

In XX/XX/XXXX I rented an apartment with XXXX XXXX. I vacated apartment upon lease end and provided proper notice to building managment, which was non-existent at the time. Months later I receive phone calls stating that I owe a balance for three months of rent, spanning outside of the leasing agreement. I have disputed these charges numerous times through out the years until most recently on XX/XX/XXXX, when I decided to contact the collection agency directly. I was given incorrect information. I was informed that the account had been closed and that a deletion request would be sent. Now in XX/XX/XXXX, I realize this account remains on my credit report. I reached out to them again and found out to my surprise that the wrong account was pulled up back in XX/XX/XXXX and that someone else 's account was deleted, and that I therefore still owe for this apartment from XX/XX/XXXX. I continuously as for supporting documents, to which I dont receive. Neither have I ever received any written correspondence regarding this alleged debt. I have reached out the municalities in the town where this apartment is rented, and there are no court motions or correspondence validating these charges. Please help, as my hand are tied at this point and my credit is continuing to suffer. Kind regards, XXXX.
Consumer complaint received 2019-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (AR)

XXXX XXXX XXXX XXXX XXXX XXXX CARD NO.XXXX IS REPORTING AS DISPUTED, THIS ACCOUNT SHOULD BE OPEN PAID IN FULL NEVER LATE.
Consumer complaint received 2022-09-01
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. (IL)

I am a victim of Identity theft and I provided everything the ask of more than once. The only thing they did was close the accounts that they still have opened. I have provided my statement, My police report, my report from the FTC and my Identity theft affidavit. I also submitted proof of my identity twice. I feel like im being victimize all over again this has been a nightmare for me. this started in XXXX when someone use my bank information to purchase some phones in a store in Arizona while I was in XXXX and my debit card was still in my purse a week before my sons birthday. All I want is these fraudulent accounts and address off my credit report. I was turned down for jobs all kind of stuff because of this nightmare. Its not ok for them to treat people like this. I will attach the copies of the letters I sent to them along with all my reports and proof of Identity. 
also here are my tracking numbers from the letters I have sent experian : XXXX and XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX Please help me get this resolved. this is ruining my life and I requested a fraud alert and freeze because of this and XXXX asked for my Identity information again after I already sent it twice.
Consumer complaint received 2019-01-31
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. (MO)

I have contacted all 3 credit reporting agencies about a debt on my account that is not mine. I have disputed this item and the credit bureaus have not properly looked into this issue. XXXX XXXX is collecting a debt from XXXX XXXX in which XXXX  XXXX does not have an application for this debt. I am asking that this debt is removed from my credit report because this debt is not mine nor can XXXX  XXXX definitively say that the debt belongs to me without a signed application. The burden of proof is not on the consumer to prove that the debt is not theirs. The burden of proof belongs to the creditor to prove that I contractually owe a debt and they can not do that. Please remove this debt from my credit report because you are violating my rights as a consumer to have accurate information on my credit report.
Consumer complaint received 2019-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services (CA)

Hello, On my auto loan with Mercedes-Benz Financial Services, there is an incorrect mark on my credit report that shows I was 30 days late on a payment. This is not true. I had spoken with an MBFS associate on the phone to set my account to back to auto pay, since I had disabled it. This associate said they would do so for me. A month later, when I noticed their mistake that it had not been done, I promptly made payment - as my record clearly shows ( I have 5.5 years and 3 different accounts with them with perfect records ). I called back in a 2nd attempt to remedy the problem and get my auto pay set up, and ONLY THEN was when a different associate told me that the auto pay needed to be completed on a written form. My record with MBFS is outstanding and I hope you can help me resolve this simple misunderstanding. I was taking means necessary to rectify the situation as it was happening, but was misguided by the first employee I had spoken to. I have tried to dispute this with the company, as well as dispute it through XXXX  but have this issue has not yet been resolved. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2019-01-31
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (CO)

Upon termination of my lease in XXXX I was assessed a disposition fee above the contractual obligation. In investigating this fee I had discovered that XXXX XXXX was charging for hail damage to the vehicle. This vehicle never experienced a hail storm while in my possession. 

The process of contacting XXXX XXXX XXXX XXXX and disputing the charge took costly time. Once the determination was made by a XXXX representative that I was indeed not responsible for any additional charges, as there was no hail damage, I immediately paid the remaining disposition fee. I had never been late in a vehicle payment to XXXX or any other automotive debtor. 

Because of the time it took XXXX XXXX to investigate and correct this charge I was outside of my 30 day payment window. They they reported me to the 3 bureaus as having a late payment. 

I sent my formal request to have the negative marks removed from my credit report at the 3 bureaus ; XXXX, XXXX, and XXXX. I submit this request on authority from the representatives at XXXX. I included a brief statement on what had happened and a copy of my credit report. On XX/XX/XXXX I received a letter from XXXX XXXX saying their reporting was correct. I called on XX/XX/XXXX to take further action. At this point I was informed I could make another formal dispute but could not actually speak with anyone who makes the decisions. A customer service rep by the name of XXXX and his supervisor XXXX were quite unwilling to help. 

I just want the negative mark removed from my credit. I am currently not obligated with any further debt to XXXX XXXX.
Consumer complaint received 2022-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I had Bank of America contact me saying someone was trying to deposit a check from me into their account for {$32000.00}. The person trying to deposit the fake check was a XXXX XXXX, told to be by Bank of America fraud protection. They called me and I confirmed that I don't have an account with a XXXX XXXX XXXX and told them that it was a fraudulent check. I called XXXX XXXX XXXX and they asked for the account number on the fraudulent check, so that they can further investigate. Bank of America told me that they couldn't provide me with that information. I asked for a copy of the check and they also refused to provide that to me. Seems to me that someone has opened a fake account under my name and are now writing checks under my name. I just want a copy of the fake check, so I can put a stop to this before my credit is destroyed. Seems like they are trying to protect the criminal. 

XXXX
Consumer complaint received 2022-09-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (GA)

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you. I've called XXXX and your company to resolve this issue and I have proof from my current carrier as to when I started services and the previous phone number in question, which never left my XXXX until I changed my number in XXXX of 2021. Please remove this debt from my credit!!!
Consumer complaint received 2019-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (PA)

A debt for XXXX XXXX was put into my name but the got sent to a debt collector ( Penn Credit Corp ). I  called to get the debt off of my credit report. My mother called the company and set up a payment plan by putting it in her name. The bill is still on my credit and Ive filed a dispute with XXXX  and Penn Credit Corp has still not taken the debt off of my credit so my Credit score continues to go down even though the bill is in my mothers name.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

Hello my name is XXXX XXXX XXXX I am having problems with Items appearing on my credit report which I have filed a police report indicating this problem. I am also having problems with inconsistency with all three credit bureaus concerning slow credit. I feel myself and my XXXX  have been targeted as minorities and discriminated against. No matter what we do it our credit is slow to move. It took so much for us to buy our house in XXXX, we did what credit experts said to do and still no movement. Actually, it goes back way in XXXX our credit has consistently stayed low. This has had a tremendous negative effect on our ability to obtain credit for our business which we badly needed especially during the pandemic. If not for our XXXX XXXX we would have lost everything. Please look into all three credit bureaus ( XXXX, XXXX and Experian ) for myself and husband XXXX XXXX. 
XXXX XXXX XXXX ss # XXXX XXXX XXXX ss # XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Army and Air Force Exchange Service (MS)

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances on establishing a great history with the current company. The name of the inquiry is MILITARY STAR. The inquiry date is XX/XX/2018. The bureau reporting is XXXX, XXXX, and XXXX XXXX. Thank you!
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello my name is XXXX XXXX XXXX I am having problems with Items appearing on my credit report which I have filed a police report indicating this problem. I am also having problems with inconsistency with all three credit bureaus concerning slow credit. I feel myself and my husband have been targeted as minorities and discriminated against. No matter what we do it our credit is slow to move. It took so much for us to buy our house in XXXX, we did what credit experts said to do and still no movement. Actually, it goes back way in XXXX our credit has consistently stayed low. This has had a tremendous negative effect on our ability to obtain credit for our business which we badly needed especially during the pandemic. If not for our XXXX XXXX we would have lost everything. Please look into all three credit bureaus ( XXXX, Transunion and XXXX ) for myself and husband XXXX XXXX. 
XXXX XXXX XXXX ss # XXXX XXXX XXXX ss # XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have contacted all 3 credit reporting agencies about a debt on my account that is not mine. I have disputed this item and the credit bureaus have not properly looked into this issue. XXXX XXXX is collecting a debt from XXXX  XXXX in which XXXX  XXXX does not have an application for this debt. I am asking that this debt is removed from my credit report because this debt is not mine nor can XXXX  XXXX definitively say that the debt belongs to me without a signed application. The burden of proof is not on the consumer to prove that the debt is not theirs. The burden of proof belongs to the creditor to prove that I contractually owe a debt and they can not do that. Please remove this debt from my credit report because you are violating my rights as a consumer to have accurate information on my credit report.
Consumer complaint received 2023-10-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

I am fighting against Portfolio against 2 accounts that appear on my credit report and they are trying to collect debts on. One is from XXXX XXXX that I have previously disputed with XXXX XXXX XXXX XXXX  got fined XXXX XXXX dollars for fraudulently opening accounts without the consumers knowledge and I have all that information with your company already ( they opened fake credit cards under my name when I only had a checking acct and debit cards, they created fake accounts showing I owed credit card debt then put the collections with Portfolio Recovery. When I submitted evidence that I did not open these accounts they sided with XXXX XXXX which is WRONG ). They did not care to hear the evidence that this was a fraudulent acct ). Now they keep reporting this as a NEW account with the credit bureaus so that the 7 year period begins anew each time I refute the account ). They are also claiming I owe XXXX money when I disputed an account with someone that bought an item from me back in XXXX  for under {$100.00} and claimed the product was faulty ( I used to sell on XXXX XXXX XXXX ). They refused to return the product for a refund but then claimed action against me with XXXX as they paid through paypal. I never got the product back and XXXX fined me about {$90.00} which I disputed. NOW, Portfolio Recovery says I owe them {$910.00} for this disputed amount. Portfolio is a sham company not caring for the truth only trying to scam people for amounts NOT OWED. This predatory practice is unconscionable.
Consumer complaint received 2019-01-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America believe I owe them a fee and I dont. So does XXXX and XXXX XXXX as well as XXXX   XXXX.

Have my money give back to me as well as the debt wiped clean. I dont want to be associated.