davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-17
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. (FL)

I sent a letter to XXXX XXXX XXXX in response to a debt collection letter I received stating I owed a balance to XXXX XXXX. It is now showing up on my credit report as a paid collection with a zero balance. The problem is I paid this in full with XXXX XXXX, so it should have never gone to collections or have been reported as past due. After receiving a letter from XXXX XXXX XXXX in XXXX advising me that they would notify the credit bureaus to remove the account, XXXX and XXXX   have both deleted it, however it is still showing on Equifax.
Consumer complaint received 2021-08-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (CO)

I was trying to open account with Wells Fargo and XXXX XXXX  but denied to open accounts for me and they couldnt provide me any reason for decision And Im sure that I dont have any bank debt and still I couldnt open bank account. 
I appreciate your help
Consumer complaint received 2022-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

First there was a dispute filed against charges by XXXX, Bank of America has provided a specific date that the funds will be availbile. Keep in consideration that they provided 2 dates after the date they promised when I never received. This lead to a complaint which is the following XXXX ( CFPB ) So, I was lied to by a Federally ran company by mnultupole employees. So, Bank of America has not provided the refund according to the dates they stated. 

Issue : I put fuel in my vehicle for the amount of {$10.00}, I usually put between {$10.00} and {$30.00}. Well, I was charged by the gas station over {$100.00}. I immediately contacted the bank and informed them ; keep in consideration that they have not resolved the other dispute. 

1. I have never put more than {$30.00} of fuel in my car for at least a year or so, 2. The vehicle is only under XXXX gallons of fuel 3. Fuel price per gallon was not the price it is today 4. The gas station did not have any employee 's working, the door was locked and closed. 

The bank has stated that they will contact me if, again if there is anything that they need or that can potentially cause this to be denied. Well, first of all I was not concerned considering that I did don't put that much fuel i my car but most of all when my vehicle currently at the price per gallon cost {$74.00} to fill up again this is today 's price I did not thing that there will be an issue. 

I am confident, commutable to put my life on the fact that they have manipulated the entire dispute or actually manipulating me by applying the credit for the XXXX transactions than in conjunction taking out the funds that was already credited for the dispute for the fuel. This occurred the same day, 1., Did the bank provide me a single opportunity, 2. Did the bank ask me if I have a receipt 3. Did the bank consider small facts that can show that they made a decision that if this was a situation that was held i court that they would immediately lose credibility Bank of America favors merchants, or better yet merchants that actually bank with them. 
Why would a bank want to potentially loose a business account versus a personal account, so the way to prevent that is by making sure that they provide service to the other person and in return treat me life XXXX.
Consumer complaint received 2019-01-31
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 have contacted these bureaus to remove these unauthorized inquiries that I don't recognize and I didn't authorize. They are not cooperating with me and the inquiries still remain.
Consumer complaint received 2021-08-22
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone:XXXX XXXX SS XXXX This is the XXXX time I have disputed and filed a complaint with the CFPB and the FTC over accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Third-Party Collection Agency unable to validate debt. Other problems have included debt buyers selling with accounts with one creditor and then being collecting by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtors account ), or debt buyers attempting to collect monies in excess of the balance of a previously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have not received any documentation from any of the above companies and I request again that proof of Claim and verification.
Consumer complaint received 2021-08-22
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone:XXXX XXXXXXXX SS XXXX This is the 3 time I have disputed and filed a complaint with the CFPB and the FTC over accounts XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, Third-Party Collection Agency unable to validate debt. Other problems have included debt buyers selling with accounts with one creditor and then being collecting by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtors account ), or debt buyers attempting to collect monies in excess of the balance of a previously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have not received any documentation from any of the above companies and I request again that proof of Claim and verification.
Consumer complaint received 2022-09-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (FL)

Vehicle loan with Hyundai motor finance, loan has been paid off around 6 months ago, never received title, they didn't release the lien, I called at least 4 times, first they said they released the lien on XX/XX/2022, but XXXX and I didn't get. But they promised to send the lien release documents to home, I even made sure the home address is right with them, so far, nothing received, first call made in XX/XX/2022, second, third calls made on XX/XX/XXXX, XXXX call made on XX/XX/2022, still nothing arrive until today.
Consumer complaint received 2019-01-31
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch (NM)

I originally began this complaint with the Attorney General Of New Mexico and the XXXX XXXX XXXX   on XX/XX/2016 because of the harassing and threatening phone calls that I received from Castle Credit. I paid my bill faithfully until earlier that year when I went into a hardship. When I could pay my bill the phone calls started. I told them to stop calling me and to only contact me via email but they refused and I kept getting threats from them about taking my house because there was a lien on it. I later found out they put a lien on my house fraudulently when they opened the contract which I was told was against the law because my payments were current. I met with an assistant attorney general and I was included in a consumer complaint. I was copied on an email that informed Castle Credit to contact them only and not me. Beginning last year I began getting phone calls from Castle Credit again, on my phone and my work number. I told them again not to call me but the phone calls continue. I have been trying to find information about the case from the Attorney General but have not had any luck but was told to file this complaint.
Consumer complaint received 2019-01-31
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

This Company ... Carrington Mortgage ... .calls repeatedly and I have NO debt, with them or anyone. they call at odd hours and leave a number to call back. I have tried and it is a fax machine with no human available. At the end of their pitch, they state that they are required by law to state that they are a debt collection agency. 

the # they leave is XXXX. 


They have called on XXXX and XXXX. They have called in XXXX on : the XXXX, the XXXX, the XXXX, XXXX, XXXX, and on the XXXX. Then again on the XXXX, XXXX, XXXX and the XXXX. They just keep calling .... I have NO debt. What a pain in the you know what!!!
Consumer complaint received 2022-09-02
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. (MA)

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. I did not file for bankruptcy. This is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved and then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove it immediately. 

Bankruptcy XXXX XXXX Filed Date XX/XX/2012 XXXX
Consumer complaint received 2019-11-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: FastBucks (NV)

Good afternoon, The company FastBucks have been harassing me for months now. The company has started to call my employer and continuously harassing me and my co workers at my place of business. It has gotten so bad that I have had to transfer departments so they would stop calling me. I faxed them a Cease and Desist notice to please stop calling me and they refuse. XXXX ( manager from fastbucks ) stated that they do not have to follow any of the rules from the FDCPA and they will continue to harass me and my work place and my personal number. The calls started at my place of business on XX/XX/2019. I advised them to please never call my job again and to cease and desist all collection efforts. They called my employer again the very next day XX/XX/2019. I alerted my manager and my team of security of the issue, my manager advised that if they do keep calling I may end up on disciplinary action. I spoke with XXXX on XXXX XXXX. She stated that my account was going to go to Legal and the {$220.00} that I supposedly owe will turn into {$1000.00} and they wouldn't be harassing me anymore. Today XXXX XXXX I received a email from my old co worker stated that they called again today asking for me. I have transferred departments because the harassment has gotten so bad. I have paid my loan off in full with a cashier named XXXX back in XXXX. This company has new management and they will not stop harassing me. I will be filing a restraining order with the justice courts, I am aware that this is a civil matter but I can no longer take the harassment and nasty phone calls that i've been receiving from XXXX and XXXX. They threaten me every time they call, every single time I tell them to stop harassing me they continuously say " we're not going to stop ''. I will be taking legal action going forward.
Consumer complaint received 2022-07-13
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: EQUIFAX, INC. (FL)

In accordance wi the fair credit reporting act, XXXX, XXXX account number 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 an account without my written instructions
Consumer complaint received 2020-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NJ)

My brother in law used my identity to apply for several credit cards. I then submitted an Identity Theft affidavit disputing those inquiries to the credit bureaus but it looks like they closed this account as a result. This account is mine and not a fraudulent account. I do not want this account closed because I need it to pay for my XXXX medication.
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: FIRST ADVANTAGE CORPORATION (NC)

This company has reported to a job I have applied for as an XXXX that " too many people have used my social security number ''. Once I learned this, I immediately called the company to figure out what this meant. This company told me that there is nothing they can do about this adverse determination because they get all of their data from XXXX. I attempted to call XXXX to gain assistance regarding this matter, however, no live agent answers the phone to address the issue.
Consumer complaint received 2019-01-31
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FULTON FINANCIAL CORPORATION (PA)

On XX/XX/2019, I received an email stating we did not qualify for a mortgage loan. And as, first time home buyers, we clearly met and qualified for their program. I have continuously email the processing senior loan officer processing our application and have waited days and weeks for a response! 

On XX/XX/2019, I received another email stating our FICO score results and clearly meet the bank 's requirements. 

We feel that we have been discriminated against based on our FICO credit score worthiness, despite meeting the banks requirements.
Consumer complaint received 2022-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (NV)

I have had this credit card for over 8 years and have consistently been charged increasing interest rates even though i have been paying over triple the required monthly payment for years. In XXXX I requested a lower interest rate and was told i was up for review in a couple of days and that I would be getting paperwork in the mail in a couple of weeks. The recording also said this conversations was being recorded. I waited till XXXX and called again. The women told me I was not up for review until XXXX! I was so mad and told her what I was told by the previous gentlemen. She just apologized and did not offer a review or for me to talk to any one. I then called back and cancelled my card. I am now constantly seeing an increase in my interest rate on a closed account!!!! I called about it and they told me that its a variable and they are allowed to do that!!! I asked them why they didn't lower my rate during the pandemic when the prime was at 3 % if I had a variable? They did not answer. They checked into my XXXX and XXXX conversations and claim there are no traces of them. Of course not!!! Even though the recording said they were being recorded. This Company Chase is a scam. They lowered my credit score XXXX points right away! I may owe them {$140.00} for an exercise bike i purchased from XXXX  I have transferred all my bills to my checking account and contacted XXXX last month about paying for the exercise bike. They had me talk to Chase and they could not tell me anything because the account was closed. I do not want to send the {$140.00} in and it be shown as a payment. I feel they are illegally charging me increased interest on a closed account every time the interest rates go up.I would like to clear up the {$140.00} i may owe and I would like them to correct my excellent credit score that they ruined! Please help me with this.
Consumer complaint received 2019-01-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc. (AL)

date of bill recieved princable interest XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX princ pymt of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX no pymt show and balance went up from XXXX to XXXX loan was for XXXX over 12 years XXXX a month i pay every month from wells fargo bill pay and it gets to them in a day or two lots of phone calls seems like no one know what XXXX saying and a differant persons name every month on the poc on the bill I am getting ripped off iam not a banker but know that these charges and process cant be right.
Consumer complaint received 2019-01-31
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: ENCORE CAPITAL GROUP INC. (TX)

XXXX  you are in violation of reporting a alleged account that is in dispute it was not and has not been verified as legal or accurate to report XXXX XXXX XXXX has no right to report to you .you clearly are violating the FCRA this was referred to the CFPB case XXXX on XX/XX/2019 remove this account at once
Consumer complaint received 2019-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MO)

USAA froze my account until we paid them {$1700.00} leaving me only {$80.00} to feed my kids. Saying it was due to fraudulent claims, which I had no notice of what so ever. So to unfreeze my account they forced me to pay. So they took my money and I cant even provide for my family.
Consumer complaint received 2019-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I filed a dispute with Transunion on XX/XX/2018 to have some incorrect information removed from my credit report. I received a file # XXXX which is the same file # I receive anytime I contact them about any issues. My Transunion credit report currently shows an account with XXXX XXXX/XXXX XXXX which I have disputed as not my account and received notification ( I will attach a copy of that notification stating the account was removed ) stating that, " XXXX   XXXX  / XXXX  Account Removed From Report Closed accounts are usually removed from your report after seven years. Once they're removed, the account details will no longer affect your credit score. 

Between XX/XX/2018 and XX/XX/2018, your account with XXXX XXXX / XXXX  was removed from your credit report. '' This info was provided to me by XXXX XXXX. I also had this same account listed on my XXXX  credit report and I disputed it there, as well. I received the same notification on my XXXX  report stating, " XXXX XXXX  Account Removed From Report Since this account is no longer on your credit report, its details won't be factored into your credit score. Accounts can sometimes be removed due to things like disputes and reporting errors. 
Between XX/XX/2018 and XX/XX/2018, your account with XXXX XXXX  was removed from your credit report '' NOW ... the account is listed on both my XXXX  and Transunion credit reports. They are not allowed to remove an account from my credit report which was disputed and add it back again. 

In addition, Transunion will not allow me to log in to view the dispute from this that I filed several weeks ago stating that the dispute is still in progress.
Consumer complaint received 2022-09-02
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. (NY)

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}, XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}.