davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (PA)

I had a Sears CC for over twenty years. There were two late payments reported. One was XX/XX/XXXX and one was XX/XX/XXXX. I have always paid my balances when due. Back in XXXX and XXXX I did not pay online rather I paid my balance when I received a statement and mailed a check as I did not believe in online transactions. I believed my balance XX/XX/XXXX balance was paid in full and postmarked by the due date. I cant find my XX/XX/XXXX bank statement and cancelled check and the bank said they do not keep information that long. The Credit reporting agency did not show me proof that I was notified of my balance or provide me a copy of the post office stamp showing when I mailed my payment to them. I bring up these relevant points as I have on many times received postage for other individuals that did not belong to me or my addresses ( as a good individual I always mark the envelopes as wrong address and return to the post office for proper delivery ). I have also had instances where I mailed information for the holidays and their birthdays to my family members and experienced significant delays in delivery by the post office in the month of XXXX. I do not believe the credit reporting agency is fulfilling their fiduciary duties in performing a review of my account. I light of their lack of the agency not meeting their fiduciary duties in regard to my dispute I would like to file a formal complaint.
Consumer complaint received 2022-11-18
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. (SC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX  XXXX XXXX Balance : {$9100.00} ; XXXXXXXX XXXX XXXX  XXXX : {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$7200.00} ; XXXX Balance : {$3600.00} ; XXXX XXXX XXXX Balance : {$4800.00} ; XXXX XXXX : {$7000.00} ; XXXX XXXX XXXX Balance : {$7700.00} ; XXXX XXXX XXXX : {$4500.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX
Consumer complaint received 2018-11-23
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: CITIBANK, N.A. (NY)

I have a closed account ( XX/XX/XXXX ) with a balance of {$100.00} under CITICARDS CBNA that was opened around XX/XX/XXXX. I don't have any payments that are due or received any e-mail or letter regarding this. 

I just got off the phone with CITICARDS and they looked up under my account ( I have one credit card ) with them and they saw no increase or {$100.00} that I am referring to. They also looked by my social security and nothing shows. 

Take a look at the screenshots to see this report come in to my account.
Consumer complaint received 2019-08-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I was affected by hurricane Michael and accepted a disaster forbearance from Bank of America with the understanding that at the end they would bring the loan current by placing the payments in the loan as they did for Hurricane Irma which was a FEMA declared disaster. 

At the end of the forbearance they did not do it putting me behind. I and my wife are XXXX us XXXX veterans who served in XXXX. We were forced to submit a loss mitigation package and have done that but Bank of America has not processed that and we are headed to foreclosure.
Consumer complaint received 2021-09-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc. (AL)

15 USC 1692e any nonprofit organization which, at the request of consumers, performs bona fide consumer credit counseling and assists consumers in the liquidation of their debts by receiving payments from such consumers and distributing such amounts to creditors ; and 15 USC 1692f any person collecting or attempting to collect any debt owed or due or asserted to be owed or due another to the extent such activity ( i ) is incidental to a bona fide fiduciary obligation or a bona fide escrow arrangement ; ( ii ) concerns a debt which was originated by such person ; ( iii ) concerns a debt which was not in default at the time it was obtained by such person; or ( iv ) concerns a debt obtained by such person as a secured party in a commercial credit transaction involving the creditor. 15 USC 1692a Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 USC 1692B ( 4 ) ) The advertisement for sale of any debt to coerce payment of the debt.
Consumer complaint received 2021-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (MS)

just start to notice this started cant really say when it started when my mother and brother pass when we recieve they life insurance money my gmail account information was tamper with which the email account was XXXX I am and over the round truck driver I also notice round the same time my card information and bank card was used which made me check my account and i notice someone had access my phone information cant just give dates because someone has been getting money and using my cards since 2017 the reason i never notice is they was taking it peace by peace and access to my phone information i cant access my phone information had to change number because someone tryed to access my accounts
Consumer complaint received 2022-06-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Helvey & Associates, Inc., Warsaw, IN Branch (SC)

On XXXX, received notification from credit monitoring service that a new collections account was added to my reports from Helvey and Associates, INC. The amount is for {$280.00}. I have not received any correspondence or notification in writing or by phone call as required by law from this company notifying me of this debt or any verification of this debt as of the date it was added. I have lived in my current address since XX/XX/2021. I had filed change of address with the USPS. Any and all past bills and mail have been forwarded and delivered from previous address as well as important legal documents from a probate case in Virginia addressed to previous residency. I believe that this company may be using " debt parking '' techniques in an attempt to collect on debts. I have also filed complaint with XXXX  against this company.
Consumer complaint received 2021-09-16
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. (CA)

I am disputing this account as my consumer rights under the Fair Credit Reporting Act and the Fair Debt Collection Act. On XX/XX/2021, XXXX. XXXX, XXXX mailed me a demand letter which I received on XX/XX/2021, on XX/XX/2021, I noticed that XXXX. XXXX, XXXX furnished a derogatory account to the Transunion which is a violation of my consumer rights because under 15 U.S. Code 1692g ( a ) NOTICE OF DEBT ; CONTENTS a statement that unless the consumer, within thirty days AFTER receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector. 


XXXX. XXXX, XXXX Account number : XXXX
Consumer complaint received 2018-10-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I have no idea why they are calling me. I do not owe anyone any past due amount. They call every day ( sometimes multiple times each day. I do not talk to them, but when a human voice answered when I  picked up once, I told them I don't know what they want but I wanted the calls STOPPED and hung up on them. They continued to call.
Consumer complaint received 2021-12-07
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Charge Off : XXXX XXXX- - Balance {$110.00} -Date Opened : XX/XX/XXXX XXXX  XXXX XXXX  XXXX - XXXX {$0.00} -DatXXXX Opened : XX/XX/XXXXXXXX XXXX XXXX- Balance {$0.00} XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX- Balance {$0.00} XXXX Opened : XX/XX/XXXX XXXX XXXX - Balance {$0.00} XXXX Opened XXXX XX/XX/XXXX Late Close : XXXX XXXX XXXX  - XXXX {$0.00} XXXX Opened XXXX XX/XX/XXXX XXXX
Consumer complaint received 2018-10-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Applied Data Finance, LLC (MO)

In XX/XX/XXXX got a loan for {$2500.00} from XXXX XXXX out of XXXX XXXX, CA via a mailing offering a loan up to {$2500.00}. 
After making several payments ( XXXX - XX/XX/XXXX ) at a rate of {$190.00} per month for 36 months. I was sent an e-mail because the company did an audit of my account and was told that the APR on my loan was higher than the maximum rate in the mailer. The company at the time told me in the e-mail ( dated XX/XX/XXXX ) that they were " taking the opportunity to honor the lower rate stated in my offer '' and that " any payments that I had already made above the amount required ( based on the reduced APR ) would be reapplied to the loan and have reduced the total amount I owed. '' In the mean time while this was happening with my loan. My mother had passed away in XX/XX/XXXX and I was in the process of getting pay off figures of several accounts including this one and on XX/XX/XXXX I was finally able to speak to a customer service representative because the initial phone number ( XXXX ) XXXX that is on the end of e-mail was never answered by anyone and I made note of this. I then tried a second phone number ( XXXX ) XXXX that is also listed in a different spot in the e-mail. When I did talk to a CSR about what I needed to do she ( XXXX ) told me that I needed to e-sign new loan docs that would reflect the new APR and a new account total of {$2200.00} for which I had also asked what the new pay off amount would be at the time which she told me was the above mentioned amount and no new charges would be added. I then told her that I would be sending a check on Monday, XX/XX/XXXX via Priority Mail ( they received it on XX/XX/XXXX ) in that amount and that my loan would then be paid in full. According to their website my payment was recorded on XX/XX/XXXX which is within the " 3 business days for payments to appear in your account ''. 
Now on XX/XX/XXXX I have received a letter in the mail from XXXX XXXX stating a lot of false information like " Past Due Since XX/XX/XXXX '', " Past due Amount {$36.00} '', " Unpaid Fees {$45.00} '' and " Total amount Due {$81.00} ''. There is also a totally different phone number now listed on this letter from XXXX XXXX ( XXXX ) XXXX. 
As far as I am concerned I will never do business with this company ever again nor will I ever refer a friend, colleague or family member to do business with this company. I also think that the FTC should do an investigation into their business practices and should take off the negative reports to the credit bureaus that they have submitted to my credit reports because they have made false reports to my credit.
Consumer complaint received 2021-12-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY (CA)

I recently planned to purchase a home. when looking at my credit to my surprise I have a Student Loan with Wells Fargo! I have called XXXX times and requested a fraud package to be sent to me. they finally told me they can not sent a fraud package because they no longer " service '' student loan. they said they will investigate and get back to me. 
when they call me back, they have the wrong address, phone number and even name for me. then they tell me that they called my school and the school told them yes its my loan. the school in question is a community college and somehow community college required a XXXX student loan. 
they are not providing me with any proof or showing me where the money went and where I signed I requested to see a proof and my case representative said they cant provide me with anything. 
THIS IS NOT MY LOAN! this is stopping me from purchasing a home and I need to resolve it. 
please help me because Wells Fargo is not willing to help me at all. 
Thank you XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2020-12-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp. (ID)

I used world remit to transfer money from my US XXXX XXXX savings account to my XXXX XXXX savings account on XXXX XX/XX/2020 - time XXXX. The money went out of my XXXX XXXX account on XXXX XX/XX/2020 - {$1000.00}. This transaction is reflected on my XXXX XXXXXX/XX/XXXX statement. 

This money never reached my XXXX XXXXXX/XX/XXXXsavings account with my local bank XXXX. 

I send a request to World remit on XXXX XXXX when this money was still not showing in my XXXX XXXX Savings account. World remit 's only reply to my was they are still waiting for their local partner for the information. 

I contacted the foreign currency manager at XXXX XXXX XXXX XXXX XXXX XXXX XXXX and she informed me that the money was never received in XXXX XXXX. She advised that I ask for a XXXX document. I've repeatedly requested this from World remit with out any success. Their reply was that they are still waiting for their local partner to respond. As to this day and after request on request to World Remit I have not received this XXXX. Neither my {$1000.00} back in my XXXX XXXX savings account or my XXXX XXXX XXXX savings account. 

World remit just sent my a message after 60 days that my recall was unsuccessful. 
I've started requesting about this transaction way before the 60 day window aloud expired - First enquiry XXXX XX/XX/2020 and still World Remit did not manage to get the necessary info from their local partner? 

I would greatly appreciate if this {$1000.00} can be redeposited into my XXXX XXXX account seeing that World Remit can not get any response from their local US partner - who ever this may be?? 

I've started requesting about this transaction way before the 60 days Your kind attention in recovering this {$1000.00} is greatly appreciated seeing that a {$1000.00} are a lot of money for a XXXX year old season worker. 

Kind regards
Consumer complaint received 2018-10-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Dear Miss or Sir, I had an account with Bank of America for almost 7-8 years on the year of XX/XX/XXXX-XX/XX/XXXX i filed 2 complaint against the bank for deducting overdrafts fees by mistake from my account and XXXX helped me to get my account refunded with these wrong fees. I received bitter phone calls from responsibile people at the bank at this time to inform me that I will be refunded but always the person from the bank were speaking angrily because I dared to complain On XXXX XXXX and after all these years I deposited a check from a person who had not enough funds so the check was returned back to me and never been cleared this is first time I have a bounced check and its normal it happenes to almost everyone But the bank took the chance and as a form of revenge of my previous complaint on XX/XX/XXXX-XX/XX/XXXX the closed my account while I was outside the USA though i called them before I travel to be able to use my card abroad so they knew I'm traveling with the card I was stranded this was the only card I travelled with when I got back I found out that they went way too far they reported my name to a third party agency called XXXX XXXX so they contact all the other financial institutions I have cards from all my other bank accounts were closed Until today I can't open a bank account at XXXX or XXXX because I always get the response that Bank of America putmy name on a fraud alert with this XXXX  XXXX   agency I don't know why a bank would reveal a client information to a third party I did know about or sign for them to have my information and I don't know why a bank go this far to retaliate against a client because this client previously complained from the bank Thank you very much XXXX XXXX XXXX
Consumer complaint received 2018-10-14
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: EQUIFAX, INC. (OK)

there reporting that I open my student loan in XX/XX/XXXX in which if they would review the promissory note they would see I opened my student loan in fall of XX/XX/XXXX at XXXX XXXX that's the only promissory note every signed, under fair credit reporting act it is unlawfull to change dates and if shown the information being provided to inaccurate the credit reporting agancys must delete the account, have have requested on at least 4 times the information in inaccurate and they still respond with its been validated, im now asking them to please provided the document that is being used to validate these dates that are being reported,
Consumer complaint received 2018-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX, acct. no.XXXX  ...., though reporting correctly on XXXX  and XXXX  ( attached report ) has a minor error on Transunion that makes it a negative. 
I've only seen this on a 3rd party report, since Transunion online has technical problems and I can't get online.I 've called the number Transunion gave me and the technical people said it was fixed but it isn't. 
The problem on the XXXX acct is that even though it says 0 days late in the history, it says verbally '' pays 30-59 days '' .Please correct this error.
Consumer complaint received 2018-10-14
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The  latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. I also have several addresses that do not associate me that are showing up on my credit report. Please remove them as well.
Consumer complaint received 2018-11-23
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. (OH)

I disputed these medical collections XXXX and XXXX XXXX   in XX/XX/2018 and XX/XX/2018 and they came back with my personal information including my test results. I did not give the hospital permission to release my personal information such as specific treatment and etc outside or basic collecting information. Which is a HIPAA violation and a violation of the FCRA.
Consumer complaint received 2018-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have filed several corrections to my credit report regarding two public records that exist. The three credit bureaus have failed to verify the information with  updated information is verified through their own investigation ; however, they appear to be depending upon unsubstantiated or out dated records. 

I am attaching information that asserts that XXXX  and Trans-union are not using updated and verifiable sources to maintain the posting of their public record file on my case. ( See attached letters ) These companies appear to refer to XXXX XXXX as their source for the most XX/XX/2018 that an Opt Out request was approved on my file ; thereby, no longer providing records to any parties.