davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (CO)

I have received multiple calls ever single day for 2 months. They have released my Social Security Number to me and family members. The phone # calling me is XXXX. They repeatedly tell me we are gon na call you and hang up. They say they are with XXXX  for a claim with Wachovia bank which is now Wells Fargo. I called Wells Fargo and they stated I have no claim or balance owed. They call my family members everyday. They refuse to mail the debit collection to me. They mock me on the call and disconnect. They are not releasing the call ia recorded when the call. They once released my SSN and then said call is recorded
Consumer complaint received 2019-07-25
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. (FL)

I called Transunion and spoke to a supervisor named XXXX XXXX who refused to help me with my unauthorized inquiries that he could not remove any inquiry even if they are not authorized so I need these inquiries removed that were not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A. (NJ)

After calling PNC Bank, as well as speaking to them via their live chat online, they have refused to provide me with provisional credits to all the disputes I have filed. This has caused my bank account to get below {$1.00} total in it. Since I am not being paid until the XXXX of XXXX, I will have to no money for gas, to eat, or to pay bills due to PNC Bank not providing provisional credits.
Consumer complaint received 2019-07-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (WI)

After several missed calls I spoke to a live person. I informed this person that my phone number used to be someone else 's number and that it is not my debt. The person stated they would take the number off of the account. That was several months ago. They have not stopped calling. Most recent calls were today at about XXXX XXXX, Monday ( XX/XX/19 ) and Friday ( XX/XX/19 ).
Consumer complaint received 2019-07-25
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: SYNCHRONY FINANCIAL (GA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

THE ACCOUNT DISPUTE HAS BEEN DISCHARGED AND I AM NO LONGER LIABLE TO THIS ACCOUNT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT FILE FOR IT HAS CAUSED TREMENDOUS DAMAGE.
Consumer complaint received 2019-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I had a transfer to my Wells fargo from XXXX for the amount of {$490.00} on XX/XX/19 but the bank said there were no transfer received. 
I called XXXX and had them have a trace that saying the transfer was completed but Wells Fargo did not acknowledge the trace.
Consumer complaint received 2019-07-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

My complaint is with Lowes. The card is with Synchrony Bank who handles the Lowes Credit Card. I have 2 fixed rate project loans on my account at XXXX and XXXX percent. The regular purchases are charged at about 27 %. When I make payments they are applying my payments to the fixed rate loans at the low interest rate and letting the regular purchases carry from month to month. This is resulting in a lot of interest being charged to my account. This has happened repeatedly. When I complain they rebate the interest to me and say it is fixed but it isn't fixed and it happens again. Just today I had to call them because I had {$700.00} on the regular purchases at 27 % because they applied my payment for this to the fixed rate I had called them to make the payment and told them specifically to apply the payment to the regular purchases. If I wouldn't have caught it it would have stayed on my account at 27 %. As I said this keeps happening, it is obvious they are doing it on purpose to get more interest. I know by law they have to apply your payments to the higher interest rate. If they are doing it to me they are no doubt doing it to many other people. I think there needs to be an investigation into this.
Consumer complaint received 2018-05-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

I received a phishing scam for PayPal that looks very legitimate. 
The only odd thing is the email it came from which is : " PayPal.Inc. '' XXXX The subject line reads : Your Paal accunt has been limited du to viIaton of Paal 's Plicy on XX/XX/XXXX, XXXX XXXX The Body consists of : Dear ( My Email Address ), your account got problems on XX/XX/XXXX,  XXXX XXXX. Please View or Download the PDF file to see and manage your account. Thanks PayPal , Inc . 

Attached is a PDF which contains the following text and PayPal images : Dear Customer, Your Paypal account has been Iimited because we've noticed significant changes in your account activity. As your payment processor, we need to understand these changes better. 
This account limitation will affect your ability to : Send or receive money Withdraw money from your account Add or remove a card & bank account Dispute a transaction Close your account What to do next? 
Please Log In to your PayPal account and provide the requested information thought the Resolution Center Login Here The link I imagine goes to the phishing website with an account login platform. I contacted PayPal and was delighted to find out that my account is in good standing.
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (MA)

In the first two weeks of XX/XX/2019, I submitted payments to Elan Financial Services to pay in entirety the account XXXX. The firm had issued late payment charges to me but it has since agreed to rebate those fees, which creates an account surplus. I have requested that they remove the late payment designation in the report because it is interfering with my VA mortgage loan application. My wife and I are in our seventies and we would like to purchase a home in Virginia to be near our family. MI am requesting that this late payment designation be expunged as soon as possible.
Consumer complaint received 2019-07-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (FL)

Phoenix financial services has reported on my credit report on XX/XX/2019 and amount of {$230.00}. I have never been seen by anyone associated with this agency called XXXX XXXX. Phoenix financial services has not provided any valid proof of that bill or anything to prove this belongs attached to my credit report. In outbound call to this agency left me on hold for 45 minutes. This account debt does not belong to me.
Consumer complaint received 2019-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: M&T BANK CORPORATION (NY)

https : XXXX ( as reference ) Unfair and abusive Acts - why is there a fee to cash a check on an account from the financial institution that holds the account? 
I was given a check drawn on M & T bank account for {$800.00} I went to M & T to cash it and since i was not a M & T customer they wanted to charge me 2 % of the value {$16.00}!!! 
This is a check drawn on a M & T Account. 
This appears to be common but is abusive and should be prevented. The account holder has contracted M & T to provide that service, why is the beneficiary being charged?
Consumer complaint received 2019-07-25
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: D2 Management LLC (AZ)

TODAY ON MY LUNCH BREAK AROUND XXXX XXXX ARIZONA TIME I CALLED BACK A MISSED CALL TO XXXX A REP ANSWERED TOLD ME THE CALL MAY BE  MONITORED I SAID OKAY THIS IS ME WITH THAT LAST FOUR, SHE SAID SHE WAS CALLING FROM D2 MANAGEMENT LLC REGARDING A BILL FROM XXXX I BELIEVE I TOLD HER GOSH I HADN'T HEARD ANYTHING ABOUT THAT IN A VERY LONG TIME THAT WASN'T MINE AND INSTEAD OF ASKING FOR A POLICE REPORT NUMBER OR IF I HAD REPORTED SHE SAID, " THIS WOULDN'T BE HAPPENING IF I PAID MY BILLS '', I THEN ASKED HER FOR A SUPRVISOR, THIS WOMAN PLACED ME ON A 6 MINUTES HOLD TRANSFERED TO ANOTHER BUILDING, I GUESS THEY 2 BUILDINGS FOR THIS COMPANY AND THE REP I WAS TALKING TO DIDNT EVEN WORK IN THIS ONE. I GOT THE GENERAL MANAGER WHO COULD ONLY TELL ME THAT THE REP WAS XXXX. WELL, HOW DISGUSTING TO TALK TO ANYONE THAT WAY, YOU MAKE IT HARDER FOR PEOPLE TO PICK UP THE PHONE MUCH LESS SOMEONE THAT WAS WILLING TO TALK, THE CONVERSATION NEVER HAD TO GO THAT WAY. I HAVE THIS CALL ON RECORDING AS MY BOSS WAS RIGHT NEXT TO ME IN THE VEHICLE TODAY GOING TO LUNCH, HOW DISAPPOINTING. I HOPE NO ONE EVER GETS A CALL FROM THIS COLLECTOR AGAIN. IT SHOULD BE HABIT TO COLLECTION REP NOT TO ARGUE OR TALK DOWN TO ANOTHER PERSON AND TELL THEM TO PAY THERE BILLS NO MATTER WHO I AM ON THE OTHER LINE.
Consumer complaint received 2018-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Last year, I sent the credit bureaus dispute letters for this company because the debt is not mine and they did not respond to the dispute with anything other than a payment plan, but yet they filed court orders against me and sent somebody to my house to deliver court documents. How is it fair to sue me for an account that is not mine and they had no documentation to prove it was mine. They failed to verify or validate this debt.
Consumer complaint received 2019-07-25
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: FORD MOTOR CREDIT CO. (GA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2019-07-25
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. (MS)

I have never dealt with these creditors in the past. I don't know who they are nor did business with these companies.. I contacted Equifax to address the issue but all they sent is a paper trail showing the accounts and that it has been verified. Insufficient information. I requested Method of Verification - evidence such as name, address and telephone number they contacted from the original creditor but they failed. That tells me that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible and notify me when you do this so I can go ahead and apply for the things I need to apply for.. 
XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,
Consumer complaint received 2019-07-25
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)

THE ACCOUNT DISPUTE HAS BEEN DISCHARGED AND I AM NO LONGER LIABLE TO THIS ACCOUNT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT FILE FOR IT HAS CAUSED TREMENDOUS DAMAGE.
Consumer complaint received 2022-10-06
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

I'm XXXX XXXX, and I need your assistance in contacting this company. I made an effort to contact them to find out who had opened an account in my name and why. I'm disappointed that this serious problem is now affecting my credit score. I don't allow anybody to use my name, birthdate, or any other details since it also violates data privacy. They need to identify the person who opened the account in my name and give them the data rather than me. Kindly help me in resolving this.
Consumer complaint received 2023-04-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Eastern Account Systems of Connecticut, Inc. (FL)

After reviewing my credit profile on XX/XX/XXXX. I identified discrepancy with account listed under EASTERN ACCOUNT SYSTEM and validation was requested as this was an account that I did not recognize. I reviewed my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent on this day. After reviewing credit report again on XX/XX/XXXX there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. This company has been threatening me saying they are attorneys and I'm being sued. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Consumer complaint received 2019-07-25
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. (TN)

I AM A VICTIM OF THE 2017 EQUIFAX DATA BREACH. MY PERSONAL AND BANKING INFORMATION WAS COMPROMISED AND I TOOK IMMEDIATE STEPS IN AN ATTEMPT TO RECTIFY THIS SITUATION WITH ALL THREE CREDIT REPORTING AGENCIES TO NO AVAIL. I HAVE PROVIDED YOU WITH A COPY OF MY ID/DL, SS CARD, FTC REPORT, AND POLICE REPORT TO ASSIST YOU IN THIS MATTER.
Consumer complaint received 2019-07-25
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. (TX)

XXXX ; Experian and XXXX are incorrectly reporting a collection in the amount of {$17000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page 15 of the attached credit report. ) This is a duplicate reporting of a third party collection. This item is also being reported on page 9 of the attached credit report. This duplicate reporting is a violation of the Fair Credit Reporting Act and is harming my credit score. These  collection line items need to be removed from my credit report. I have contacted the bureaus to fix this issue, but I have not been successful.
Consumer complaint received 2019-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX ; XXXX and Transunion are incorrectly reporting a collection in the amount of {$17000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page 15 of the attached credit report. ) This is a duplicate reporting of a third party collection. This item is also being reported on page 9 of the attached credit report. This duplicate reporting is a violation of the Fair Credit Reporting Act and is harming my credit score. These collection line items need to be removed from my credit report. I have contacted the bureaus to fix this issue, but I have not been successful.
Consumer complaint received 2019-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections..How can this account be charged off and it still showing a remaining balance! This is a total misunderstanding. And how can an account be a charge off for months? I'm trying to get a house, and I couldnt believe my eyes when I saw it! You folks need to delete the accounts. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice. Please don't leave it this way -- I need to get the house! The above accounts should be reported as positive standing.. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2018-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I was checking my oldest credit account online as of XX/XX/XXXX, noticed it had been closed due to inactivity. I called Capital One in response to get it reopened, but they claim they can not reverse this decision. I was told it was closed XX/XX/XXXX so this was within 90 days that I was inquiring about this account and requesting it be reinstated. All of the contact information has been up to date, and I have not received any notices that this account was going to be closed. The representatives confirmed on the phone that no notices were sent. I also called again on XX/XX/XXXX to try and have the situation rectified but they claimed they could not reverse the account closure.
Consumer complaint received 2019-07-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I visited XXXX XXXX in XXXX, NY to look at a new truck. We discussed a truck, they took some information and went to run numbers. As we were filling out information prior to running numbers. I said to the salesman, very clearly, do not run my credit. I have an XXXX credit score and am very particular about it. I stressed how important it is, he acknowledged and understood. They disappear to run their numbers per usual, come back to share them. We were obviously not looking at the right truck. As I get up to leave because I had a two hour drive home to take care of my dog, the sales manager states to me " your payoff was a little higher than you thought ''. Which technically, it wasn't, but TransUnion hadn't updated yet. To which my response is " you ran my credit?? ". At this point I was extremely upset and frustrated. I asked for full disclosure pricing on a 72 month term, they came back with all different terms, add-ons including warranty, rust proofing, etc. and completely ignored my request to not run my credit. Now I have an unjustified hard inquiry on my credit that will remain for 2 years for no reason.
Consumer complaint received 2019-07-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Asset Recovery Solutions, LLC (DC)

Over 12 years ago, I had a checking account with XXXX XXXX. I had several outstanding Payday loans, which became overwhelming. I quickly became overdrawn with the bank and received multiple charges for being overdrawn. It became so bad that I my entire check, which was direct deposited, was getting taken by these charges. I went to the bank and told them my problem and asked to close the account so that I could deal with the loans. The bank refused to close my account and continued to amass fees which totaled over several thousand dollars. I, finally, stopped my check from being deposited to XXXX. The continued to bill me these charges until the payday loan companies stopped attempting to collect from them. Now, I am being threatened Asset Recovery Solutions LLC for {$2200.00} I had talked many times with XXXX over ten years ago about trying to explain this billing which I felt was excessive and illegal. They took several thousand in my total paychecks when my account was open with them. I feel that I have overpaid them already and should have debt collection agency bothering me again.
Consumer complaint received 2018-05-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (TX)

Hello and thank you for your consideration. I noticed an item that was sent to collections as a charged off debt from XXXX. However, this alleged debt was settled prior to terminating my contract with this company. Prior to closing the account, I made a payment of {$160.00} to XXXX and was told that this satisfied all outstanding charges. I have tried to contact XXXX and they have refused to validate the debt. The debt was transferred to a company called Amsher Collection Services. Both Amsher and XXXX have refused to validate the debt owed or provide any documents proving the alleged debt.