davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Tower Loan of Mississippi, Inc. (MO)

I receive solicitations in the mail from Tower Loan. I have been to the office in XXXX, MO to request that these are no longer send to me. I've called the business directly and made a request to not send me solicitations. Every time I speak with somebody they promise to remove my information but that ultimately doesn't happen. I've added my information to the FTC 's database for out-out indeterminately in the pre-screened credit offers. 
https : //www.consumer.ftc.gov/articles/0148-prescreened-credit-and-insurance-offers I  consider these letters I receive in the mail as spam and given the multiple requests to cancel them, harassment. This portrays a company as deceitful and showing no respect for their consumers. I no longer wish to ever do business with this company ever again based on their actions
Consumer complaint received 2020-12-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

a few years back my information was taken and used. I found out at the end of 2018 and reported and had many of the issues fixed but the few that refused to report properly to XXXX. XXXX and XXXX fixed them almost instantly. The issues im having is with XXXX Bank of america/ XXXX XXXX XXXX . I have already summited FTC reports to XXXX  to fix the issues but they do not. I have sent letters to all the banks above with documents of the accounts not being mine and I have received no proof or reply. I am asking them to simply remove the accounts from my report or send signed documents that show I have opened these account. ( which there is non since i never opened them ) XXXX XXXX XXXX ( account number XXXX ) Bank of America ( account number XXXX or xxxx ) XXXX XXXX XXXX  ( account number XXXX ) XXXX XXXX XXXX  ( XXXX ) XXXX ( XXXX )
Consumer complaint received 2019-05-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (OH)

Shame on you CFPB how can you let this continue to happen, always all kinds of problems when companies use an auto dialer. I filed a complaint weeks ago and the company responded saying they found no proof. 

I am still to this day, even after contacting them in XXXX! We are still receiving receiving automated calls several times a day, caller ID indicates Navient or XXXX XXXX XXXX. If the phone is not answered they leave a message stating this is XXXX XXXX XXXX, if this is XXXX XXXX, the law requires us to notify you this is an attempt to collect a debt and information obtained will be used for that purpose. 

The caller ID is XXXX, XXXX, XXXX repeating several times a day. Since its the same message if I hang up without listing to it, it will call back repeating the same daily fashion. It is calling my landline phone consistently daily, not allowing to be opt out. Calls come from these numbers which if called, it rings busy. They are even spoofing the phone number to be XXXX XXXX XXXX I believe I am due damages of excessive calling and not allowing me to opt out of these messages, it leaves messages on the machine which indicate it is a debt collector. I have called asked them to stop one time it was a live person and I advised them it was a wrong number and advised them never to call the number again. they resumed calling the next week, and still do as of today. This time it is XXXX XXXX, last time it was. I even put this information in the followup complaint with CFBP that they are calling my phone number ... They are still calling my phone number they are calling is XXXX
Consumer complaint received 2018-02-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MO)

WFHM USED THE WRONG DATE ( a XX/XX/XXXX date, my loan closing date was XX/XX/XXXX, the time period was XX/XX/XXXX through XX/XX/XXXX ) and I was deliberately excluded from the fair housing claim settlement, DOJ v WFHM lawsuit, which has been the subject of CFPB complaints against WFHM before and after foreclosure of my home of 15 years. 

Foreclosure was on XX/XX/XXXX. 

I read every page of the 57 plus page document as well as the 87 plus page documents continually sent by WFHM without the answer in question. 

WFHM responded to all complaints continually and intentionally leaving out the answer to the main question everytime ; I ask again ; Please, Please answer the question WHY WAS I NOT INCLUDED IN THE ABOVE LISTED SETTLEMENT even though I met all criteria????????????
Consumer complaint received 2019-10-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CA)

I'm a victim of the international wire transfer fraud. I wired the money out to 2 different countries on XX/XX/2019, amount of XXXX Euro to XXXX, and XX/XX/2019, XXXX Euro to XXXX. 
I wasn't aware these were scams until I found out later. I think before the money going out, Citibank should thoroughly to check the credibility of these 2 banks in XXXX and XXXX and the recipients.
Consumer complaint received 2019-05-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC (NC)

As of XX/XX/XXXX {$670.00} was posted to my credit report on behalf of XXXX thru Sources Receivable Management. I have never received any paperwork from XXXX that monies were due. I have not been a customer since XXXX. I have submitted multiple disputes from XXXX til now stating that the information is incorrect. I have also requested proof of charges for the debt and to no avail. I have also asked that if the debt can not be proved to remove from my credit profile. I have no knowledge of what is owed and why and that any attempt was made.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (GA)

Violation of 15 USC 1681b - Permissible Purpose of Consumer Reports : I recently reviewed my XXXX credit report and found several late payments and derogatory entries. These entries appear to be in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681b, which outlines the permissible purposes for obtaining and using consumer reports.
Consumer complaint received 2019-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX  ACCOUNT XXXX XXXX HAS RECEIVED A PYMENT FROM ME ON THE BALANCE THAT THEY CLAIMED WAS PAST DUE. CHECK WAS CLEARED ON XX/XX/2019 BUT XXXXXXXX XXXX STILL REPORTED IT AS PAST DUE FOR XXXX, XXXX, XXXX AND NOW XXXX THIS IS DAMANGING MY CREDIT EVERY MONTH ESPECIALLY WHEN I RESOLVED THE BALNACE AND THEY AGREED TO ACCEPT PAYMENT IN LIEU OF DELETION. BUT PAYMENT WAS NOT POSTED AND ACCOUNT WAS NOT DELETED FROM THE REPORT, WHY? ISN'T THIS A VIOLATION OF MY RIGHTS UNDER CFPB? I'M PREPARING MY COMPLAINT TO FTC AND ATTORNEY GENERALS OFFICE AS THIS IS UNACCEPTABLE ... IGNORANGE FROM XXXXXXXX XXXX  ...
Consumer complaint received 2019-05-26
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. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original XXXXonsumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) 9XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2024-04-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (FL)

I am reaching out to request your valuable support regarding an issue I am facing with funds held by the State of XXXX, specifically under " Unclaimed Property of South Dakota ''. This situation arose after Citibank NA closed my checking account in XXXX due to a period of inactivity on my part.The funds in question represent 40 years of savings, intended for use now, in my retirement stage. The account was active from approximately XXXX until the aforementioned date. Throughout that time, I maintained a consistent relationship with the financial institution, as evidenced by records of various accounts I held during that period.I initiated the process to recover the funds, totaling {$45000.00}, in XXXX. On XX/XX/XXXX, the Unclaimed Property Department of South Dakota requested a Citibank statement showing the last account balance, as well as my address. I complied with these requests on XX/XX/XXXX, sending the required correspondence, which was received by the department on XX/XX/XXXX. However, the response has taken over three weeks. The reason given is that once the account is closed, I am no longer considered a bank customer, and the requested documents are held in another office to which I have no access. The lack of a timely response, in a modern and technologically advanced world, has left me feeling displaced and frustrated. Furthermore, I wish to express my concern, as I am a XXXX XXXX a widow, and this money represents my life savings, earmarked for my retirement. Additionally, I am facing a family emergency, as my eldest son requires costly XXXX  XXXX. The inability to access these funds was due to the lack of necessary documents, a situation exacerbated by the crisis in XXXX, which I have only recently been able to resolved. I am currently residing in Florida, staying with friends who have kindly supported me given my economic situation. My financial situation does not allow me to remain without a solution or access to my funds. My attempts to get answers have been fruitless, meeting with indifference and lack of response. Therefor I kindling request your intervention and support to to recover the resources for which I have worked and saved my entitle life for this time of retirement and now to be able to save my son 's live. 

I deeply appreciate your attention and I am grateful in advance for any support you can provide me. 

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-08
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. (MO)

I am a current victim of identity theft, Transunion, XXXX, and XXXX continue to report fraudulent activity on my credit report. XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX  XXXX. FTC has been filed in XX/XX/2019, they did not comply within the 5-7 business days according to federal law.
Consumer complaint received 2019-05-26
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. (CA)

There is no sufficient information to support the credit bureaus claim..The payment here is sent in advance so I don't understand why this is a past due..Please fix this for me. XXXX XXXX, XXXX XXXX   XXXX,
Consumer complaint received 2019-10-08
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: UMB FINANCIAL CORPORATION (CO)

UMB Bank solicited my business by offering me {$200.00} as a reward incentive for which I qualified and my XXXX account was credited. 

The UMB Bank credit card solicitation promised ... '' With XXXXXXXX XXXX   Zero Liability Policy, you're not responsible for unauthorized charges .... ''. 

An 'unauthorized charge ' of {$140.00}, per 'sales ' invoice dated XX/XX/2019, was posted to my account. 

In lieu of UMB Bank honoring its " Zero Liability Policy '' the unauthorized charge of {$140.00} was debited against by {$200.00} cash reward incentive ( XXXX XXXX, 2019 )
Consumer complaint received 2019-10-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (AL)

On XX/XX/08 I spoke with a representative in the rate reduction department advising that I was recently separated from my job on XXXX and needed some other assistance with my loan repayments. I explained that I'm already paying $ XXXX/month and this would be near impossible for me to continue while unemployed. I explained that I'd filed for unemployment and had not been approved as of yet. Right now I have NO INCOME! explained that my co-signer does not work and receives a fixed income and is unable to help me with any payments. The representative showed no concern and stated that my only option was to pay $ XXXX/month.
Consumer complaint received 2023-03-20
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: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2019-10-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On XX/XX/2019 I contacted Equifax to inquire about my credit file being Flagged / Blocked I was Informed to submit/ FAX documents ( Birth Certificate, Drivers License, Social Security Card, and a current Utility bill ( for current address ) to confirm identity in order to remove FLAG / LOCK. All of the things that one would need to commit Identity Theft. 
As per request, I faxed over the required and requested documents on XX/XX/2019 at XXXX : XXXX Was informed that I would receive something in the mail that would confirm that the documents / fax was received. 
XXXX Tuesday, XX/XX/2019, I contacted Equifax to follow up on my request, on to be informed that Equifax did not have my faxed documents. 
I Inquired about that fax number and the representative informed me that she did not know the number that I gave her. 
Then I requested that Equifax search for the fax ( check the fax machines history and pull the fax from there. While Equifax did not directly say no, they informed me that the only way that they could help me was to resend the fax. In this day and age of Identity Theft and SCAMS, I am extremely RELUCTANT to resend anything to Equifax as CLEARLY they are NOT responsible! 
I am DEMANDING that there be some results and accountability for this issue. This does NOT instill CONFIDENCE on ANY LEVEL!!!! I simply want these issues RESOLVE and for Equifax to be RESPONSIBLE and ACCOUNTABLE for their actions, just as I MUST! 
They need to locate the original fax that I sent and use that. Until then because of their INCOMPETENCE, I must suffer? Perhaps I should charge the {$100000.00} per day for every day they all this issue to go unresolved. OR perhaps they need an XXXX XXXX XXXX for their employees.
Consumer complaint received 2017-05-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I paid my fee for XXXX XXXX XXXX Subscription and the software would not download. I already had a legalcopy of the softwarte on my machine and the XXXX would not download. I contacted support and they had canceled the subscription, but there is no redund back to the account and I did contact the merchant. So now I do not have XXXX Software on mu machine because it has to be removed during trouble shooting and now if I want to use iot I have to access through an old alumni account at XXXX Online. Which is completely ok and legit.
Please refund XXXX to my Bank of America Account.
Subscription : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX NY XXXX
Consumer complaint received 2019-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

MACY'S/CITI BANK ACCOUNT XXXX XXXX HAS RECEIVED A PYMENT FROM ME ON THE BALANCE THAT THEY CLAIMED WAS PAST DUE. CHECK WAS CLEARED ON XX/XX/2019 BUT MACY 'S STILL REPORTED IT AS PAST DUE FOR XXXX, XXXX, XXXX AND NOW XXXX THIS IS DAMANGING MY CREDIT EVERY MONTH ESPECIALLY WHEN I RESOLVED THE BALNACE AND THEY AGREED TO ACCEPT PAYMENT IN LIEU OF DELETION. BUT PAYMENT WAS NOT POSTED AND ACCOUNT WAS NOT DELETED FROM THE REPORT, WHY? ISN'T THIS A VIOLATION OF MY RIGHTS UNDER CFPB? I'M PREPARING MY COMPLAINT TO FTC AND ATTORNEY GENERALS OFFICE AS THIS IS UNACCEPTABLE ... IGNORANGE FROM MACY'S/CITI BANK ...
Consumer complaint received 2019-05-26
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. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX ( Original Creditor : 11 XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX
Consumer complaint received 2019-05-26
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX ( Original Creditor : 11 XXXX XXXX   XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX
Consumer complaint received 2022-01-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

due to negligence and falsified information being reported from consumers, I have been struggling to obtain financial assistance during the economical impact that COVID-19 has brought for thus another year. I have many unverified accounts that present invalid information. I have attempted to reach out at the least 3 times, every 30 days with no results or answers relevant to my demand of validity. I am seeking a final step before legal actions are taken upon all three credit bureaus. they have all failed to respond within 30 days. I demand Justice. The bureaus allow this terrible work ethic and don't do a good job validating correct information. So many people have been failed by the bureaus lack of care and it is time to protect our rights. I have sent both my dispute requests and a failure to comply letter to all 3 bureaus which i will include in this report.
Consumer complaint received 2023-04-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (WI)

I've received numerous calls from Transworld Systems Inc. trying to collect a debt owed to XXXX XXXX XXXX XXXX. 

Their references/file # XXXX their invoice number XXXX XXXX XXXX
Consumer complaint received 2019-10-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (SC)

Although I have been contacted in a repetitive manner by phone regarding this debt on the dates and times listed XX/XX/2019 at XXXX EST XX/XX/2019 at XXXX EST XX/XX/2019 at XXXX EST XX/XX/2019 at XXXX EST XX/XX/2019 at XXXX EST XX/XX/2019 at XXXX EST XX/XX/2019 at XXXX EST My written request for debt validation has gone unanswered by mail.
Consumer complaint received 2020-02-07
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX/Bank of America XXXX XXXX XXXX XXXX, NY XXXX XXXX This creditor is no longer in service and unable to be reached. The number is out of service, the address belongs to an abandoned building. 

High Balance of {$9500.00} as of XX/XX/XXXX High Balance of {$2800.00} as of XX/XX/XXXX