davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION (TX)

Payment was sent to wrong person try to request money back multiples trys I was block and denied on XX/XX/2020 2 payment of {$200.00} from XXXX XXXX.i was told back and worth call ur bank to Dispute which I did twice I was denied again
Consumer complaint received 2021-07-23
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. (GA)

I went to a program through my church buying your first home and the lady gave me a list of things I needed to work on and while she was going over my credit I saw some things on there that I dont know nothing about Im trying to see how I have student loans when I never graduated high school because I had to drop out and take care or my child and they are XXXX, XXXX XXXX, XXXX XXXX. I also saw several Inquiries on there that are not mine XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have reached out and filed a complaint with the FTC and contacted the police here. Im doing this on my own and need your help with this.
Consumer complaint received 2020-02-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2020 a payment in the amount of {$550.00} was posted to my account from XXXX XXXX. I immediately contacted them and was told it was an error and the transaction would be reversed because I didnt authorize the payment coming from my card. I didnt even know they had my card on file. I filed a claim on XX/XX/2020 with Wells Fargo and was told that they would not pursue my claim because I had done previous business with XXXX
Consumer complaint received 2022-12-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MA)

Commencing on or around XX/XX/2022, I fell victim to XXXX multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my COINBASE account to fraudulent investment firm.
Consumer complaint received 2020-02-12
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)

Upon checking my credit report I found some discrepancies in items that are not mine, I believe I've been a victim of identity theft, so I'd like to report this to ask for help in restoring my credit.
Consumer complaint received 2020-02-12
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: NAVY FEDERAL CREDIT UNION (MD)

I am currently in the process of refinancing my mortgage with XXXX  XXXX XXXX. I happen to have a second mortgage with Navy Federal and XXXX  XXXX XXXX sent Navy Federal a subordination request. After a very arduous process Navy finally received information requested. I got an alert that a hard inquiry had occurred on my credit report. I thought it was XXXX XXXX   XXXX as Im in the process of refinancing. Did some research and found out it was Navy Federal. Why Navy Federal will pull my credit without first consulting me and while I am in the process of refinancing. That inquiry could impact my loan. They referred me to the FCRA and that they have a right to pull my credit. I would have wanted to be given the option or told that to subordinate to XXXX  XXXX XXXX a hard inquiry needed to be obtained, I would have at that point decided to go forward or not. But to be blindsided like this and pulling my credit without permission or consent to me is problematic.
Consumer complaint received 2020-02-12
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. (GA)

Upon checking my credit report I found some discrepancies in items that are not mine, I believe I've been a victim of identity theft, so I'd like to report this to ask for help in restoring my credit.
Consumer complaint received 2021-09-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (NJ)

My XXXX XXXX Account was hacked and scammed using Zelle. The scammer was able to hack my account and deplete my entire account. I called XXXX XXXX and made a dispute however was informed that more than likely it would be rejected.
Consumer complaint received 2019-05-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (MO)

My mortgage was sold from XXXX XXXX to M & T bank last month. I had set up semi monthly payments with XXXX XXXX, and was able to set it up with M & T bank. Last month on the XX/XX/XXXX and XX/XX/XXXX both banks withdrew the money out of my bank as agreed apron. Not on the XX/XX/XXXX this didn't happen. M & T bank never warned me that the withdrawal was not going to occur and why. I had paid my previous months payments and the letter I received said that they were going to continue on the XX/XX/XXXX. I have contacted M & T bank multiple times and for one reason or other they are not willing to honor the  agreement that we had. They are the ones that didn't honor the agreement and I want them to honor it. I do not trust them by issuing an ACH withdrawal at this time because what has transpired during this process. Now they are threatening me that they will not withdraw my mortgage on the XX/XX/XXXX of this month
Consumer complaint received 2020-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Army and Air Force Exchange Service (NJ)

My aafes credit account was in collections I was XXXX and they listed it as 30 days late for 12 month while I was away. I disputed this account as inaccurate and should be closed because I paid the balance once I was back and they reported it as paid and closed. My recent dispute with XXXX to have the account closed since it has been well over seven years aafes listed my account as collection for the past 2 plus years when it was reported as paid on the report months prior that is fraud.
Consumer complaint received 2020-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Upon checking my credit report I found some discrepancies in items that are not mine, I believe I've been a victim of identity theft, so I'd like to report this to ask for help in restoring my credit.
Consumer complaint received 2021-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I went to a program through my church buying your first home and the lady gave me a list of things I needed to work on and while she was going over my credit I saw some things on there that I dont know nothing about Im trying to see how I have student loans when I never graduated high school because I had to drop out and take care or my child and they are XXXX, XXXX XXXX, XXXX XXXX. I also saw several Inquiries on there that are not mine XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reached out and filed a complaint with the FTC and contacted the police here. Im doing this on my own and need your help with this.
Consumer complaint received 2021-09-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (FL)

COMMONWEALTH FINANCE Collection/Chargeoff XXXX XXXX XXXX XXXX XXXX reported age of this account is 4 months and the open balance shows {$2000.00}. 

On my credit report I pulled up this inquiry for the above information and I have never hear or have any knowledge of what this would be and why. 

I have no records of ever receiving a notification via by mail or email nothing with this inquiry information.
Consumer complaint received 2020-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus. 
XXXX  XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX {$470.00} TRANSUNION HARD INQUIRIES XXXX XXXX XXXX ( 3X ) XXXX XXXX XXXX   COLLECTIONS XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX {$520.00} XXXX  XXXX XXXX XXXX {$470.00} XXXX XXXX {$250.00} PUBLIC RECORDS BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX  HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX COLLECTIONS XXXX  XXXX XXXX XXXX {$470.00} XXXX XXXX {$250.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$530.00} PUBLIC RECORDS BANKRUPTCY CHAPTER XXXX DISMISSED
Consumer complaint received 2020-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

EQUIFAX VIOLATES NYS 380T LAW BY DENYIING NONCELL PHONE USERS ACCESS TO EQUIFAX WEBSITE/CALL CENTER. 
EQUIFAX HAS NO LEGAL GROUNDS TO DENY ACCESS BECAUSE I DONT HAVE CELL PHONE.
Consumer complaint received 2020-02-12
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (AZ)

Macys has a star rewards program for credit card users, the more money you spend the more rewards you are given. Those rewards can be used towards any purchases made at Macys with your credit card. The concern is when you return an item that you used the star money on. They have a policy on returns, that any star money used is null ( which is understandable, rules are rules, I dont get to use them anymore, no problem ). The complication is that when they process the return, the refund is completed but the star money ends up as a balance on your account. This has happened twice to me now. So I decided to report it. 
For example and my compliant I purchased an item for XXXX, when I was at check out I had XXXX star money which I used for my purchase therefore only paid XXXX. When I returned the item, they credit me back XXXX and left me a balance due on my credit card of XXXX. 
I have now called 3 times and have gotten different answers on the issue above, ( 1 ) thats how it works now I have to pay Macys XXXX ( that is fraud ) or ( 2 ) that someone in the back end forgot to clear out the store money, and the rep on the phone promised to clear it out. As of today, nothing.

This is a huge disappointment for me, as I really like Macys but if as a company you can not fully control the star money program, dont have it!!!! As a customer, its frustrating that you create a program and restrict star money from being used but dont set systematic controls to properly handle the return. Further, I would urge you to look into how many customers have been charged by your teams not fully processing the returns and causing a balance ( you have to take into consideration not everyone balances/reconciles their accounts ).
Consumer complaint received 2020-02-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMCOL Systems, Inc. (KS)

XXXX is the number that called me. i return the call and a lady name XXXX answered saying i owned a debt for a hospital in my town. She explained it was only {$100.00} and wanted 4 payments of XXXX. I am aware of such bill but it is more than XXXX. She continued to ask for the payment and i told her i don't know when i will have the money. The name of the company was Amcol She gave an account number and told her have a good evening.
Consumer complaint received 2017-02-12
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TRANSWORLD SYSTEMS INC (MD)

Reported medical bills on all XXXX credit bureaus XXXX XXXX XXXX, and XXXX saying I owe them but I did not sign anything stating I owe them for the bills and the hospital where services rendered wrote the bills off.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello, my name is XXXX XXXX and I am preparing this message. It has come to my attention that there have been several accounts under the name fraudulently. My information was used to obtain financial goods or services. The listed accounts in this report are not mine. According to 15 U.S. Code, 1681-C-2 ( a ) consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft. Also, 15, U.S. Code 1681 section 604 ( a ) section 2, states : that a consumer agency can not furnish an account without consumer written instructions. The listed accounts here never received any instructions directly from me, nor did they obtain my personal written consent. No consent is identity theft. I am demanding the removal of these listed accounts immediately. Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act, XXXX, Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.
Consumer complaint received 2021-09-25
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)

I just received today once again the same resposne from Experian.

Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), XXXX XXXX claim was disputed and validation was requested. Neither EXPERIAN nor XXXX XXXX provided any proof whatsoever. 

I did NOT ask for a verification or for a letter of explanation, but a request for VALIDATION made pursuant to the above named Title and Section. I request that Experian or XXXX XXXX provide me with competent evidence that I have any legal obligation to pay them. To provide me with the following : What the money you say I owe is for ; Provide me with copies of any papers that show I agreed to pay what you say I owe ;
Consumer complaint received 2020-02-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (ID)

I C systems. The company was trying to collect a debt that was supposedly originally from XXXX. I have a current account with XXXX. They told me that the account was from an address in XXXX, after I already moved to XXXX. XXXX  removed the account from my credit report, however, IC systems sold the account to XXXX XXXX, who placed the account back on my credit report. I have disputed the account with XXXX, but they will not remove it, even though it is clearly fraud.
Consumer complaint received 2020-02-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (VA)

In late XX/XX/XXXX I purchased 4 cobalt blue plates from the XXXX XXXX XXXX  XXXX XXXX  store for approx {$32.00} on my XXXX  XXXX card. I did not receive an invoice until XXXX which would have been the 2nd invoice for this account. When i received this invoice it had on a late fee already. I called Customer Service and the woman I spoke with told me I did not pay the first invoice mailed to me. I explained i had not received a 1st invoice only this one. She said she would credit the late fee if i would send the amount owed of which I did ... ... {$35.00}. That check was sent and cashed on XX/XX/XXXX. This is now XX/XX/XXXX and I've received another invoice for {$100.00} which is solely made up of late fees. I spoke to XXXX on XX/XX/XXXX in customer service and she explained that since my check was 2 days late I was being assessed a late fee for XXXX and now another late fee for XXXX bringing the bill to {$100.00}. I refused to pay late fees for something I've already paid in full for. I spoke to XXXX, supervisor ; spoke to XXXX 's supervisor ; and than XXXX in Past Due Dept. All of them have told me that they will keep assessing late fees until I pay them. I think this is blackmail. How can you keep assessing late fees for something that has already been paid in full. I was on the phone 2 hrs with XXXX  XXXX. I told the 3rd person I spoke with that I would return the plates for a refund and then I don't owe anything. She said that wouldn't make a difference as the plates were paid for ; however, I was getting charges for the late fees. This makes no sense to me. This should just be written off, of which they told me their computer only allows one write off ... ... does the computer run the company?
Consumer complaint received 2020-02-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I set up automatic payments for my new auto loan. 

I received notice in XXXX that the payment wasn't paid because they hadn't set up the automatic debit yet, so I paid it via phone. I was told then my auto payment was active going forward. Then in XXXX, I received notice that I was behind on my payment ( even though I did not receive any invoice or billing statement before receiving the debt notice ). I immediately called to inquire what happened, as the payment should have been automatically debited from my account. I was told my account was current and I could disregard the letter, so I did. 

Then I received two letters dated XXXX XXXX and XXXX XXXX stating that it was " an attempt to collect a debt '' and I owed a past due amount. I called to inquire and was told that I was missing my XXXX payment ( the auto payment had debited my account in XXXX and XXXX but was not set up for the XXXX payment, as I was told it would be when I spoke with them in XXXX ). Again, when I spoke to them after receiving the letter in XXXX, I was told my account was paid in full. I have never received any type of invoice or billing statement. Ever. They have my address to send me debt collection letters, not not to send me monthly statements.
Consumer complaint received 2020-02-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duvera Billing Services, LLC (PA)

XXXXOriginal debt was .. {$500.00} a, after interest and fees accumulated to XXXX XX/XX/17 also had a XXXX ./ the original debt has been. Paid to the creditor .. the secondary debt collector .. ( XXXX XXXX XXXX located ) will not update the credit beaureas and remove derogatory remarks from credit. I am recovering from the XXXX and attempting to recover my credit as well ..
Consumer complaint received 2020-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

My stepmom left me home via trust that clearly states I am the owner. The Trustee transferred the property into my name and sent the mortgage company, Chase, a copy of the deed conveying the property to me, the death certificate, and a copy of the trust clearly indicating that I am the owner of the property. Still Chase won't talk to me. They keep sending the statements to the Trustee. I can't basic information. The Trustee is frustrated with the process and is not helping me.
Consumer complaint received 2020-02-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

I contacted Midland Funding within 5 days of receiving a call from them stating I owed a debt to them. The letter was sent certified. In the letter I requested debt validation and proof that I owe them a debt. They have failed to provide the information I requested and continue to report negative info on my credit report. The amount they are trying to collect - allegedly from the original creditor is incorrect. I returned items to the original creditor and they did not update the amount of the debt owed. 
Midland Funding has no contract with me- not verbally or in writing. 

This is my second time complaining to this agency about Midland Funding! My next remedy is to seek the assistance of a lawyer!
Consumer complaint received 2019-10-04
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Ditech Financial LLC (AZ)

Beginning XX/XX/2019 a fraudulent address was brought to my attention by XXXX. I followed the XXXX recommendations. In XX/XX/2019 I called my mortage company, Ditech Financial, LLC about my XXXX monthly billing statement. Ditech sent my billing statement to the fraudulent address. Ditech customer service received a power of attorney paperwork for a change of address without verifying the address which I informed Ditech was fraudulent. Ditech informed me that the only way to get a new account number was to refinance with Ditech. WHY WOULD I REFINANCE WITH DITECH WHEN THEY GAVE OUT PERSONAL INFORMATION WITHOUT MY PRIOR APPROVAL.