davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX I attempted to enter my XXXX account and on their website page it stated there had been suspicious or fraudulent activity on my account and I was to call their security department immediately at phone number # # # # # # # # # #. When I did they said they had to run a security scan and downloaded a program where they took over my computer. After they ran the so called scan they said they wanted to check and run the scan on my other bank accounts. They sounded so very professional that I allowed them to run the scan on my Wells Fargo accounts. They now had total control of my computer as I sat back and watched the cursor move around by them without me ever touching my mouse! They stole ALL of my money from both accounts at Wells Fargo which was fraud of course but Wells Fargo WILL NOT reimburse the stolen funds.
Consumer complaint received 2019-09-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION (MN)

On XX/XX/2019, I applied for a new account with the bank. I was denied with a generic rejection notice and given no specific reason for the denial. I contacted the bank via the phone customer service number and they were not able to provide any details as to why I was being denied. I previously had an account with this bank and had no issues. I had closed this account a few years ago and never had an overdraft or any other type of misuse of the account.
Consumer complaint received 2022-07-27
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, and XXXX XXXX XXXX Account # 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 an account with my written instructions
Consumer complaint received 2022-07-14
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Inquiry date XX/XX/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 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 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
Consumer complaint received 2019-01-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (KY)

I was asked to vacate my apartment in XX/XX/2015 at XXXX XXXX at XXXX XXXX because the apartment manager allegedly found items in my apartment that went against the terms of the lease. I was never made aware of what those items were, not was i ever showed the pictures that the apartment manager claimed they took inside of my apartment. All of this was a result of my apartment being burglarized while I was home. I asked to move to a different building for my safety, two managers walked through the apartment with me and I passed an inspection to move out. After that, I was told they did an additional walk through and when asked what was found in my apartment that was causing me to be kicked out of my home, I was told you know whats in your apartment. After vacating the apartment I received a bill with a charge for early termination of lease for approx. {$2000.00}. But I DID NOT TERMINATE MY LEASE. I was asked to vacate within about two weeks for a reason that was never made aware to me. Because of this, I can not get a home of any kind with this amount on my credit report.
Consumer complaint received 2019-01-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (NJ)

Called company and was polite wth them about their interest loan of 129.97 % and asked them how they could charge me that, which I believe is illegal in NJ to charge on a dog I had finance in XXXX nj.m, at XXXX XXXX  which use XXXX  as their company to finance pets. They guy said it is not illegal to charge me that and wouldnt do anything for me, even if I made all my payments on time and never late. The dog would be payed off already but the interest rate is 129.97 % Im not understanding how that is even possible and I feel like Im being scammed.
Consumer complaint received 2019-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (CA)

Credit Card Company : Barclaycard XX/XX/2019 I cleaned out my apartment, throwing away a bunch of junk / clutter. 

XX/XX/2019 I received a fraud alert around XXXX that my Barclaycard Credit Card had been used at a local XXXX. The fraud transactions totaled to {$130.00}. 
I called Barclaycard and confirmed that the transaction was NOT made by me. 
At the time, I believed that the physical credit card was safe at my home and I told this information to Barclaycard. 
Later that day I realized that the card was actually missing -- it was likely thrown out by accident from the day before. I did not update Barclaycard with this information as I believed that all I needed to do was confirm that the charges weren't made by me ( which I had done earlier that morning ). 

XX/XX/2019 I received a letter in the mail from Barclaycard -- they determined that the transaction was " valid '' and therefore the balance of {$130.00} were to remain. 

XX/XX/2019 I called Barclaycard at their fraud services line ( XXXX ) to dispute their decision to mark the fraudulent transactions as valid. 
They said that because the physical card was used, and that I didn't declare it stolen, so they decided not to consider it fraud. 
They said the only way to further dispute is to send a letter with documentation proving that the charges weren't made by me ( I don't know how to prove this with documentation ).
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

After recently reviewing my credit report I noticed several inconsistencies regarding the account ( XXXX XXXX XXXX XXXX XXXX XXXX in the payment history section XXXX is reporting 20 late payments, XXXX  XXXXs reporting 18 Late payments, and Transunion is reporting 16 late payments. Now all three of these balances can't be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately.
Consumer complaint received 2018-05-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SUNTRUST BANKS, INC. (VA)

I have been trying since XX/XX/XXXX to obtain a loan modification. We were denied the first time ; however, my income further declined in XX/XX/XXXXso i submitted a new request XX/XX/XXXX and finally have rec 'd notice We have had to borrow money to make the mortgage payments in the shortfall months where no rents come in - we can not be delinquent, as that will impact our ability to get student loans for our children in/going to college. the only option they give us is a short sale which tax consequences are going to cost us upwards {$75000.00} - {$100000.00} I do not understand how there was a period of time where many folks just stopped paying their mortgage and could wash their hands of all the debt deficiency but we have tried desperately to be good stewards. The only thing that seems to be acceptable is to stop paying the mortgage so we can meet the " delinquency requirement '' what is it??
Consumer complaint received 2019-09-06
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

Wishing to pay off a loan serviced by LoanCare Account Servicing ( " LoanCare '' ),  the XXXX obtained a payoff on or around XX/XX/XXXX that showed that they owed a balance of {$290000.00} on the loan, of which {$150000.00} was purportedly interest due. However, the XXXX have been paying this loan since XXXX and contest that this is the balanced due. The XXXX believe that loan is already paid off or should be close to being repaid in full. As such, since XX/XX/XXXX, Mr. and Mrs. XXXX have been trying to get a complete payment history for the loan from LoanCare. In XX/XX/XXXX, LoanCare produced documents that purported to be the entire payment history for the loan. The documents, nevertheless, clearly did not include the entire payment history for the loan. 

As such, on or around XX/XX/XXXX, Mr. and Mrs. XXXX requested that the loan be audited. The attached letter is their request to LoanCare, via their attorney, for the audit ( the " Demand Letter '' ). Via letter dated XX/XX/XXXX, also attached, LoanCare acknowledge receipt of the Demand Letter. It also represented that, in compliance with federal law, it would send a detailed response no later than 30 business days from the date it received the XXXX XXXX complaint. Assuming it received the Demand Letter on XX/XX/XXXX, LoanCare 's detailed response was due on XX/XX/XXXX. However, to date, neither the XXXX nor their attorney XXXX XXXX have received any response whatsoever from LoanCare. 

On XX/XX/XXXX, Ms. XXXX contacted LoanCare at the phone number in its letter of XX/XX/XXXX. She spoke to a representative at LoanCare 's Georgia office. Said representative then contacted the XXXX office while Ms. XXXX was on hold. The representative said that the person who conducts the audits had not gotten the information, but that she has spoken to another agent from the XXXX office who would be providing it to the person in charge of audits. The representative from the Georgia office offered to give Ms. XXXX the email of the person in charge of audits. Ms. XXXX advised the representative that if she was going to provide her the email of a XXXX XXXX, doing so would be futile, as Ms. XXXX had previously emailed Ms. XXXX on the issue, and had received no response. This is detailed in the Demand Letter.
Consumer complaint received 2022-07-27
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. (TX)

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXXXXXX XXXX XXXXXXXX Balance : {$8100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have a debt with XXXX XXXX dated 2017 XXXX XXXX bought the debt and run a inquiry on my crwsit when they want to. 
I have a ibquiry from XX/XX/XXXX and XX/XX/XXXX I called them they say that they can do it as long as I'm in debt the orignaly inquiry in from 2017 now I have 3 and twonin a two month time spand when I nwve autorize them or gave them permission or mm y I'd or aigned a contract with tower loans
Consumer complaint received 2019-09-06
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. (CA)

On XX/XX/2019 my credit report from Experian was alerted that an account was reported opened under my name the bank name is XXXX XXXX XXXX this bank work with a store called XXXX XXXX, and that is the new account that was opened under my name for this specific store where people was able to spend {$2000.00} on XX/XX/2019. 
I did try to close this account that I did not open my self using my Experian services, I was not successful doing this. 
My credit score when from los 700s to low 600s in 4 months also the same problem occur on my personal XXXX account on XX/XX/2019 someone was able to use my credit for 2 exact same purchases at the same exact XXXX store in XXXX Ca for the exact same amounts of {$1000.00} the company was not able to help me when I reported my identity been stolen and they send me a letter saying that I made those two purchases my self, when I did not. 
I did manage to send them and other message saying that this transactions were not made by me and if they did not correct them and applied the proper credits to my account I will be force to stop my automatic payments.
Consumer complaint received 2022-07-27
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. Experian must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXXXXXX .... Late Dates XXXXXXXX XXXX XXXXXXXX Late Dates XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX .... Late Dates XXXX, XXXX XXXX ... XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX .... Late Dates XXXX
Consumer complaint received 2023-06-11
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: EQUIFAX, INC. (FL)

i found these following hard inquiries that i did not approve of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX  XXXX XXXX please make sure to look at the dates because I have a hard inquiry link with one of my recent credit card that i opened up and dont want you to delete it so it wont mess that account up.
Consumer complaint received 2019-09-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

A check for escrow account over payment was issued by Bank of America, XX/XX/2019This check was sent to the wrong address and therefore never received.. When I became aware of this in XXXX I called the mortgage department of the bank and we clarified all information regarding mailing address and phone numbers. I was promised another check, which I have never received. Again in XXXX I called and spoke with the mortgage department we again verified all information and I was promised another check. Each time I was told they issued a stop payment and issued a new check. Again it was not received. After a couple of weeks I called again in XXXX and we went through the same process which ended in the same result. I called again XX/XX/2019, spoke with a supervisor and was promised a replacement check via overnight delivery and a phone call with a tracking number to be able to track the delivery. I did not receive either. I called again XX/XX/2019 to inquire about the overnight delivery. Again I spoke with a Supervisor, and after spending 40 minutes on the phone most of the time waiting I hung up and decided to complain. To date, XX/XX/2019 this issue has not been resolved. Each of these phone calls have taken at least 30 minutes of my time with no results and Bank of America holding on to {$760.00} for approximately 3 months. 

If you are able please resolve this for me.
Consumer complaint received 2018-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX/ last update XX/XX/XXXX bought the {$170.00} Original Creditor : XXXX XXXX ( Cable/Cellular ) from this other collection co : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Permissible Purpose : COLLECTION : this alleged account has been past from one COLLECTION co 's to another for the last 7 to 8 years I have never had an account with XXXX XXXX nor have I never received and invoice on what the XXXX is for or any breakdown- I have been pushed to the max and will start treatment theses COLLECTION Co as a Hostile attacks on my personal Character and my personal financial goals - as of yesterday I receive notice from two Credit cards- that I have had open with great out standing credit starting from XX/XX/XXXX : this notice was that my FICA had falling over night fromXXXX to XXXX nothing has changed on my credit reports from all three over the last year - XXXX XXXX XXXX has been calling for 6 /7 months I have informed them to cease and assist- however they continue to call and view my reports on all three credit reporting co. every month as XXXX was the primary reporter by my Credit cards I called then and pulled my report - I asked them why did my FICA dropped 100 point over night - the person XXXX said I can tell you that without you payment money first- I said what this was a Negv report and they should give me every thing that has cursed my FICA to fall 100 point instead of helping me Collection companies can report anything they want there's nothing I can do about it- but he will be happy to file a dispute I told him I have filed many disputed about this account and it gets sold off to a new CO and it start all over again theses actions are considered bad faith and Federal intervention should be taking : I could pay this at any time but I will never give in to theses Fraudulent COLLECTION co 's
Consumer complaint received 2019-09-06
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Phoenix Financial Services LLC (GA)

On XX/XX/XXXX, I received a letter from Phoenix Financial Services alleging that I owed a debt for services rendered on XX/XX/XXXX, seven years ago. The debt was allegedly incurred in the State of Florida. The statute of limitations on such a debt in Florida is 5 years. I gave the letter to my attorney so that he may respond accordingly. 

Today, XX/XX/XXXX, I noticed a missed call from a number which appeared to be a local Georgia number. I called the number back. I did NOT hear the usual " Thank you for calling XYZ Business, etc. ". What I got was a real live man on the other end who asked for me by my maiden name. I replied " yes, that's me but that's my maiden name, who is this? '' to which he replied " Ma'am I don't have time to play charades with you '' and hung up the phone. Not only was his reply unprofessional ( I didn't even know at that time that I was supposed to be speaking with a professional ) but it made no sense. I tried calling back several times to try to find out what this was about and each time the phone rang the person would pick up and hang up. Finally, a woman picked up and identified the company as Phoenix Financial. At this point I was so angry and frightened that I could barely explain to the woman what had transpired with the previous caller. 

The practice employed by Phoenix Financial today was beyond unprofessional, it was abusive. Not only is this company acting outside the scope of the law, but they went as far as to frighten and intimidate me by having an unidentified man call me from a number local to me behaving much like a stalker and not like the representative of any company. What's worse is that the man that originally called me was so creepy and unprofessional that I truly fear what he would do with any personal information he may have on me.

It should be noted that I have monitored my credit closely over the years and have never seen a debt owed to this company on my credit report nor have I ever received any communication, written or otherwise, from this or any other company regarding the alleged debt, prior to XX/XX/XXXX, a date well beyond the statute of limitations for this alleged debt. 

As a XXXX XXXX survivor, I would also like it noted that Phoenix Financial went out of their way to obtain my brand new address and phone number apparently for the sole purpose of deeply frightening me being that the alleged debt has run its limitations.
Consumer complaint received 2022-07-27
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. (FL)

Please be advised that Credit Bureaus are reporting the wrong address information on my credit report.Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Delete these incorrect addresses right away pursuant to FCRA Section 605B ( a ). 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2022-07-27
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. (NC)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}