davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alorica Inc. (OK)

In early XX/XX/XXXX we resolved all past due accounts with XXXX XXXX XXXX XXXX. Despite this, a debt collector who claims to be acting on their behalf has continued to attempt to collect a debt. We received confirmation on this via letter on or about XX/XX/XXXX. A little over a week later, we received a letter from XXXX XXXX. Which was postmarked on XX/XX/XXXX. Initially this was ignored as we assumed they hadn't been updated by XXXX XXXX. Since then, i have received multiple illegal robocalls to my cellphone. From this it is clear that this wasn't the issue. They simply have no concern for the law. They have continued their brazen and unlawful harassment for a debt not owed by sending a letter which was received on Monday XX/XX/XXXX. On XX/XX/XXXX , XXXX XXXX was contacted and confirmed no debt was owed.
Consumer complaint received 2022-03-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (OH)

I received a batch of 6 emails from Wells Fargo about a new account being opened under my name, checking. I did contact Wells Fargo about this and Wells Fargo did flag the account and is investigating. Wells Fargo advised me to contact my bank and any other financial entities ( brokerages, etc. ) to provide a alert on this issue. My bank, XXXX in XXXX Ohio also advised me to contact the Social Security Administration . The fraud reporting process at SSA directed me to this site/location.
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 — Old information reappears or never goes away
Company: Convergent Resources, Inc. (CA)

I have a XXXX account that XXXX XXXX is reporting on my credit. This account is past is statue of limitations and company is still reporting it as a new collection. The account was closed in XXXX with no balance but a deactivation fee was applied without my knowledge. I have disputed it with XXXX since and it was removed off my report in XXXX. It seems XXXX has bought invalid debt and is illegally reporting this on my credit.
Consumer complaint received 2018-12-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (DE)

XX/XX/XXXX, I was in the XXXX XXXX XXXX and a girl sent me a check for her security deposit. However, she sent over {$3000.00} and claimed it was also for her leasing car. So I transferred {$1800.00} since my balance was showing the authorized transaction of {$3000.00} already. However, after 12 hours, I looked back, the bank revoked my check, and I lost that amount of money that I transferred. The bank here is Wells Fargo. However, I believe the situation is universal to all banks. They will deposit your check right away, and scammers use this way to try to make you transfer the money before the check got bumped out. And Wells Fargo did not try to help me since it was my act to transfer the amount. However, the check was cleared on their system, only after then I transfer the money. This is a flaw that should not be in the banking system at all.
Consumer complaint received 2022-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (GA)

So I have unemployment an it was going into my bb & t money account card an everything was fine with my account until I went to a bank with very XXXX XXXX XXXX an they asked me where I got my money an why I have I told her as much as she was entitled to know. After that she flagged my account an no one is telling me anything for 2 years now they keep saying its under investigation. I have done everything they asked an no one is giving me answers 2 years later still. Also there was over 13k in the account now they say they took it to hold pending further investigation. I also received a deposit last month an now they are holding that also. I need answers from someone.
Consumer complaint received 2018-05-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC (TX)

I submitted a request in writing via email requesting that they stop contacting me by phone. I requested that all further communication be done in writing. I received a confirmation email that they received and read the email, yet within an hour two more phone calls came through. They call me approximately 4 to 5 times a day and never leave a message. If I call the number back it goes unanswered and if I answer there is usually no one on the line. The name of the company is XXXX XXXX XXXX or Allied Interstate LLC an XXXX Company.
Consumer complaint received 2018-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NJ)

I've already sent three hand written letters dating back to late XX/XX/2018 directing Equifax to remove the fraud alert on my credit report because it is giving me issues applying for credit. 

I always identify my address as " XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NJ XXXX ''. However for some reason Equifax likes to drop the " XXXX  XXXX '' and reject any proof of address I send over and over. 

I want the fraud alert removed.
Consumer complaint received 2018-12-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

I have sent several letters to XXXX XXXX XXXX to validate two accounts that showing on my credit reports. XXXX XXXX XXXX  is reporting two credit card accounts, both open and closed on the same date, both with the same account # ( XXXX ). They are also reporting that these credit cards with a different address. I advised them several times, in writing and though telephone conversations that these account are not mine. They advised me to send a letter though fax to dispute /validate accounts. I faxed attached letter had have not received a validation on either account. 
Each time that I send Experian letter to inquire about these entries on my credit profile, they send the same standard response. THE INFORMATION HAS BEEN VERIFIED. 
I asked that Experian and XXXX XXXX to send me a signed copy that I agreed. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) if they can not send me a signed contract or send Verification they must delete the entry. 
I would like these accounts removed from my credit report, since Experian never took a serious look at my disputes.
Consumer complaint received 2018-05-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (PA)

Hello, I purchased a car, ( XXXX XXXX ) in XX/XX/XXXX. The price was {$17000.00} and I put down {$1500.00}. At the time I has just started a job after being laid off for a year and need a car badly. I have my payments automatically deducted out of my bank account, so they are always on time and I have not missed a payment. The payments are $ XXXX monthly. I have paid a total of {$16000.00} to date. I went online to see my payoff amount last year ( XX/XX/XXXX ) and it was approximately {$8000.00}. I asked if I could refinance the balance in hope of getting a lower interest rate and was told that they do not refinance. Ok, I continued to make my payments, diligently making sure the available funds were in my account. Hoping to pay off the loan early. I checked online again in XX/XX/XXXX and it was XXXX. Which I though was in error. I called and was told it was the interest. I called again yesterday and was told the new balance is {$11000.00}. After some back and forth with the rep that answered the phone, I asked to speak to a supervisor. Once the supervisor got on the phone, she said it was the interest rate. I asked how can I have a 5yr term loan if the balance is going in the opposite direction from where it should go. She again said it was the interest. I then said how can I have a maturity date with a policy like such. I told her I have had multiple car loans and I have never had the balance increase rather than decrease unless there was a missed payment. She said she car refer me to the President of the company and someone from his team will call me. I have not heard from them to date. I think however they are compounding their interest it is causing consumers to pay an extremely high cost even when they are making payments on time. I also asked if there was an office I could go and talk to someone and she said there was not office. I can not believe this is legal. The company is XXXX XXXX XXXX. I opened the account in XXXX, PA
Consumer complaint received 2018-05-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: POPULAR BANK (NY)

On XX/XX/XXXX, I opened an account with XXXX XXXX which is part of Popular Bank, member FDIC. Between early XX/XX/XXXX and mid XX/XX/XXXX, I kept adding funds from other bank accounts. As of today, the account contains close to {$500000.00}. On XX/XX/XXXX, I went online and tried to withdraw {$2000.00} from the account. The system gave me an error message, asking me to call the bank 's customer service. I called customer service and was told that the account was blocked pending " original funds verification ''. Popular Bank never told me that they had blocked my account and that they needed additional information from me. According to the phone representative, they just wait until customers try to withdraw funds before they tell their customers that there's an issue. 
I was asked to email a statement from the bank which originally funded the account at XXXX XXXX to Popular 's fraud department. I did this yesterday afternoon ( XX/XX/XXXX ). This afternoon ( XX/XX/XXXX ) I tried again, unsuccessfully, to withdraw {$2000.00} from the account. I called customer service again and was told that the account is still blocked. The service representative couldn't give me a status update. When I asked to speak with a supervisor I was told that that supervisors are not available and that " someone '' will call me back in 1-2 business days.
Consumer complaint received 2022-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (VA)

From the time of late XXXX to now Ive been made aware of a bank account placed under my identity falsely placed. Ive explained to this institution that I did not open any account and have no idea of the XXXX dollar balance. But in response Wells Fargo has done absolutely XXXX but listen to my grip and instead of helping me figure this out they send me letters telling me to pay this debt or else. The XXXX breech is the reason my personal information is on the web to be used in such a way and unfortunately the idcare they provided dont do XXXX to stop my info from being used by others so I can do nothing. But I expect you all to have better resources and more experience to help!
Consumer complaint received 2022-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (FL)

I had an issue with my bank due to a fraud alert on a check I deposited. This alert caused funds to be rejected and payments to be reversed. After spending a half day on the phone and going to the bank I was able to resolve the issue and have the funds cleared. However, because of this I was charged seven {$29.00} returned payments fees for payments less than {$29.00}. I called American Express and explained the situation, but no one wanted to listen or help. If had extra money sitting around this would not be a problem but I can barely make my payment. Can the CFPB please help?
Consumer complaint received 2018-05-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (AZ)

I am in the process of working on a loan and was alerted to a collection from XXXX XXXX by my credit monitoring APP. In haste I paid the amount not knowing that I had an option to verify/dispute the validity of the debt. This was not conveyed to me by Convergent when I reached out. Due to this I did not obtain the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. I would like this collection removed from my credit due to erroneous collection practices.
Consumer complaint received 2022-06-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (GA)

I've repeatedly disputed the third-party collection agencies that brought the original creditors that were included in myXX/XX/XXXXXXXX, bankruptcy. I would like to know what proof was provided to Experian, report number, XXXX, XXXX. XXXX, 2022, to remain as accurate reporting? Because I'm disputing the original creditors that were sold to the third-party collection agencies listed below. 

XXXX. ) XXXX XXXX XXXX, XXXX, Debt buyer, Collection amount, {$410.00}, Original creditor, XXXX XXXX, Contact info, XXXX. 

XXXX. ) XXXX XXXX XXXX, XXXX, Debt buyer, Collection amount, {$2700.00}, Original creditor, XXXX XXXX, Contact info, XXXX. 

XXXX. ) XXXX XXXX XXXX, XXXX, Debt buyer, Collection amount, {$8800.00}, Original creditor, XXXX XXXX, Contact info, XXXX. 

XXXX. ) XXXX XXXX XXXX, XXXX, Debt buyer, Collection amount, {$2500.00}, Original creditor, XX/XX/XXXX XXXX, XXXX, Contact info, XXXX. 

XXXX. ) XXXX XXXX XXXX, XXXX, Debt buyer, Collection amount, {$2400.00}, Original creditor, XXXX Bank, Contact info, XXXX. 

Best regards, XXXX XXXX XXXX XXXX ( XXXX ) XXXX cellphone number
Consumer complaint received 2020-02-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX BOD XX/XX/ SS # XXXX SPS Serving has not updated my mortgage pay off and this is affecting my credit. 


They are the worst mortgage company. they would not help me to refinance my mortgage. I had to find another mortgage company XXXX XXXX and they were very helpful with my re-finance. The mortgage has been paid for two weeks and still they send me letters that my mortgage has not been paid. 

Solution : update my mortgage as paid off and stop harassing me for none payment.
Consumer complaint received 2018-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: JPMORGAN CHASE & CO. (OH)

I just applied for a home loan ; joint with my husband. My Credit Score info : " Your credit score is not available from any consumer reporting agency, because they may not have enough information about your credit history to calculate a score '' I have always had an excellent credit score, but last checked it about 6 months ago with Chase-free with my credit card account. I have a home & auto loan in my name, as well as several revolving charge cards- all with excellent credit history. 
I went to the Chase site last night, I could not log in, I went to XXXX XXXX, " no information is available at this time ''. I am sick to my stomach as what has happened?
Consumer complaint received 2018-05-17
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Accelerated Financial Solutions, LLC (AL)

I have received notice from relatives that AFS collection company has contacted them asking for information about me and gave personal information about me. They have obtained addresses and phone numbers of relatives too. The amount and statue of limitations is up and I had previously paid the company I have not received a notice of any information. I told them verabally to stop contacting me but they refused. They call repeatedly.
Consumer complaint received 2023-02-05
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX, Account name : SXXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. XXXX I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (CA)

XXXX XXXX aka squium asset solutions and they did not put an account number. I have not had a XXXX XXXX account in over 6 year. They are say XX/XX/2018 through XX/XX/2018. I have XXXX XXXX And on my credit report they dont list an account number so I have no idea what this.
Consumer complaint received 2018-05-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I have over {$1600.00} in cleared funds with paypal and need {$50.00} for a rx they have an instant transfer service that usually transfers the money in 30 minutes or less.

i initiated the transfer and was informed that an arbitraty 24 hr hold was on my funds.

as an ex-employee of XXXX XXXX XXXX i believe this is a violation of banking rules as we had to release {$100.00} of any uncleared check to a customer depositing.

i have money with paypal and have for years and cleared money for months and NO ACCESS to my funds that i need immediately.

i think they should be fined and my monies released to me immediately. 

Transaction ID : XXXX sincerely XXXX XXXX XXXX
Consumer complaint received 2018-12-17
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. (MO)

There's accounts on my report that I'm requesting to be blocked and/ or removed due to the simple fact that the contracts with these companies has been cancelled, therefore there's NO CONTRACT, inwhich I'm obligated to, nor is the accounts rightfully mines. In accordance with the FCRA laws, the creditor and/ or reporting agencies shall provide the consumer with certified physical documentation of such accounts. Please remove the following accounts if you can not provide documentation. XXXX XXXX XXXX, XX/XX/XXXX, {$11000.00}, ... XXXX, XX/XX/XXXX, {$730.00}, ... .XXXX  XXXX , XX/XX/XXXX, {$0.00}, ... .XXXX  XXXX , XX/XX/XXXX, {$17000.00}
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 — Information belongs to someone else
Company: TCF NATIONAL BANK (GA)

While reviewing my personal information due to the XXXX breech and exposure of my identity and personal account information, I found accounts that do not belong to me and were opened without my knowledge or consent. Although I am not sure of the exact date my information was stolen. However, I have contacted all of the credit bureaus as well as filed a report with the FTC. Please see the following account currently listed on my report : I have not signed or verbally entered into any contract or agreement. Someone has gotten my information and most likely opened accounts online thru the dark web and easily obtained goods. 

XXXX - {$2400.00} XXXX - {$7700.00} XXXX XXXX - {$12000.00}
Consumer complaint received 2018-12-17
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)

My identity has been compromised inwhich lead to opened and closed accounts in my name. I have tried to remove these accounts before all to no prevail. However, after reviewing the language in the FCRA, it stated that when accusing a consumer of a debt that the consumer has the right to see physical documentation of which the debt is owed. In my dispute of the following accounts, I'm respectfully requesting physical documentation or the accounts shall be removed. I do not have no contract with these companies therefore I'm asking them to be removed. No contract, contract has been cancelled. The following accounts are, ( 1 ) XXXX XXXX XXXX, {$4200.00}, date XX/XX/XXXX ( 2 ) XXXX XXXX, {$3200.00}, date XX/XX/XXXX ( 3 ) XXXX XXXX XXXX, {$640.00}, date XX/XX/XXXX
Consumer complaint received 2018-12-17
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: EQUIFAX, INC. (CA)

HELLO MY NAME IS XXXX XXXX AND I HAVE BEEN TRYING TO DISPUTE UNVERFIED ACCOUNT WITH EQUIFAX FOR THE LAST YEAR, I SEND OUT FCRA SECTION 609 LETTERS AND EACH ROUND IS MORE DETAILED WITH THE FCRA LAWS I SENT THE LETTERS CERTIFIED I TYPE AND HAND WRITE THE ACCOUNTS AND ACCOUNT NUMBER IN BLUE PEN I ALSO ATTACH A NOTARIZED LETTER OF ACKNOWLEDGMENT WITH PHOTO COPY OF MY ID AND SS CARD IN COLOR. SO HERE IS THE TWIST IF YOU EVER SENT A DISPUTE LETTER AND PROOF OF WHO YOU ARE CLEAR AND IN COLOR AND YOU GET A LETTER BACK FROM EQUIFAX SAYING THEY NEED MORE INFO TO VERIFY WHO YOU ARE ... ..WELL I JUST FOUND OUT THROUGH EQUFIAX REP ASKING WHY THEY HAVENT SEND ME BACK IN THE LAST YEAR OF MY DISPUTE LETTER THEY RESPONED SAYING MY NOTARIZED DOCUMANT IS NOT A CLEAR IMAGE BECAUSE ITS IN BLACK AND WHITE ... .YA LOL I KNOW BLACK AND WHITE???? I ALWAYS SEND MY DOCUMANTS IN COLOR AND I HAVE VALID PROOF SO LONG STORY SHORT WATCH OUT THESE CLOWNS ARE DOING SHADY STUFF TAMPERING WITH ORIGINAL SEALED DOCUMANTS AND FAILURE TO COMPLY WITH FCRA SECTION609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) Section 611 ( 5 ) ( A ) of the FCRA Section 616 & 617 I ALSO HAVE SENT CERTIFIED DEBT VALIDATION LETTERS TO COLLECTION COMPANY XXXX XXXX XXXX AND RECIEVED NO RESPONSE.