davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-05
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)

I have been disputing with XXXX, XXXX and Equifax 3 fraud telephone accounts on my credit report. XXXX XXXX, XXXX XXXX XXXX all reported lines open under my name after my wallet was stolen with all my personal information. I sent them copies of my police report and have disputed it over 4 times with each creditor, as well as with the companies. All claim to remove it but it is still showing up as a derogatory mark on my credit. When I call them they sometimes claim they cant even find me in the system, not even as a fraudulent account. I have paid credit repair companies to try to get it resolved, but it takes so long i can't continue to spend money for a fraudulent account. This has been going on with all 3 companies for the last 4 years, I have spent hours and hours on the phone, submitted police reports and proof of my stolen identity without this getting resolved.
Consumer complaint received 2022-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Real Property Business Services, Inc. (IL)

Hello, I want to make you aware that a landlord is harassing me via debt collector, and this is now the second collector to try to collect on a debt that is not owed. The other agency dismisses XXXX XXXX XXXX  and will no longer do business with them due to their practice. 

I moved out in XX/XX/XXXX. I received a collection in XXXX XXXX. The agency went back to XXXX XXXX XXXX and asked for an itemized bill regarding their claim. They did not provide that information, so they stopped doing business on their behalf. Three months later, I received another debit collection notice from XXXX XXXX XXXX XXXX. The invoice claims payment due to the apartment not being cleaned. Per Illinois state law, they can not require payment for cleaning services. ( clean floors, swept balcony etc... ) I've contacted XXXX of the law and of the history of XXXX XXXX XXXX. If you know what government agency I can notify XXXX XXXX XXXX of their practices, I would like to report this harassment and disregard the state law.
Consumer complaint received 2018-05-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALTERNATIVE DISPUTE RESOLUTIONS (CA)

Ma'am or Sir, I noticed on my credit report there was a collection account appearing for a modest amount that I did not recognize.

I had never received any validation notice telling me how much money I owe within five days. I have never been contacted. On my credit report, it shows the name of a collection company and the name of our former ( horrible/traumatizing ) dentist. I contacted the dentist to resolve the issue but they have been unresponsive.

Despite the fact that I do not owe, and despite disputing the item with the reporting bureaus, the item continues to appear on my reports.

As it is appearing as a derogatory " collection '' it is adversely impacting my credit score. I recently lost my mother ( XX/XX/18 ), we were left with a home in XXXX I'd like to purchase from the estate/siblings, in order to keep it in the family.

I am patiently awaiting PROMPT resolution so the bank can run a credit check for approval of my mortgage loan ( without this erroneous collection appearing ). I am a first time home buyer and am diligent about paying my rightful obligations.

Additionally, I work in XXXX XXXX XXXX and my security clearance is in the process of being renewed. This item is adversely impacting that outcome as well.

Yesterday I provided the dentist with a FSA FEDS claim form that he must certify, verifying a service was provided, along with an email of my request and opportunity to dismiss the trade line without incident ....

I have received no response despite inquiry and a recent call to the office to resolve the matter was met with rude reception yesterday.

I have left messages requesting that XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) call me directly. My requests are being ignored or perhaps the messages are not making it to him. Poor business practices. : ( Please advise.
Consumer complaint received 2022-07-24
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: Experian Information Solutions Inc. (MI)

Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX XXXX XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I also read where I can get the updated report after you investigate this from the XXXX XXXX XXXX Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter.
Consumer complaint received 2018-05-16
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. (UT)

XXXX XXXX was closed do to fraud. I was able to receive a debt discharge for my student loans based upon their actions. I now have a 3rd party collection company trying to collect on this discharged debt. They are also currently reporting late payments on my credit report.
Consumer complaint received 2022-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the XXXX XXXX XXXX Accounts ; # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX & # XXXX have violated my rights. To make things even worse, more than half of the accounts listed above were opened without my written consent. All accounts including ; but not limited to - # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX & # XXXX do NOT & have never belonged to me.In addition, after reviewing my full credit report on XXXX, all of the accounts listed above ( including the unrecognized accounts ) have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information. These accounts above have caused significant damages. In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under 15 USC 1692C15 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.15 U.S.C 1681 Section B. States that Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater.
Consumer complaint received 2022-03-05
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

I have a capital one XXXX  credit card that ends in XXXX and I Locked this card back on XX/XX/2022 because I lost the card and I did not want anyone to use it until I find it so I locked the card online by logging into my account and locking the card. So on XX/XX/2022 I was shocked to see a charge posted from XXXX for XXXX dollars dated XX/XX/2022 but the card was LOCKED on that date so how did someone manage to use it at XXXX or how did XXXX charge my account without my authorization and without my permission and with the card LOCKED. that same charge was declined on XX/XX/2022 from XXXX since my card was lost and I locked the card so nobody can use it. I called capital one credit card and I told them that there is a charge from XXXX on XX/XX/2022 for XXXX dollars which I did NOT authorize and I do not know anything about and that same charge was declined on XX/XX/2022 because I had locked the card since I lost the card and the card is not in my possession. XXXX managed to commit fraud and charge my card XXXX dollars while its locked and capital one credit card company helped XXXX. The card is locked so XXXX can not charge my credit card and NO transaction should go through from any company or anybody. I want a permanent credit for the XXXX dollars from capital one since this is fraud from XXXX and from capital one. The card has been locked for more than 22 days and NO transaction should go through. XXXX and capital one should give me a refund and a credit for the XXXX dollars and especially capital one since I am their customer and they have fraud protection against unauthorized transactions. I never made that purchase or charge from XXXX or any company since my card was lost and I locked it so nobody can use it. Capital one needs to refund me my money with a permanent credit for XXXX dollars.
Consumer complaint received 2018-12-14
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: BMW Financial Services NA, LLC (AL)

I fulfilled my lease obligations. I bought a vehicle when my lease was up and part of the deal was the dealer being XXXX XXXX XXXX was going to pay my last note to bmw financial. They paid the note but given incorrect amount by Bmw financial. I called Bmw financial 2 months before my lease was up and was told that I would receive a {$300.00} credit bc I was under my mileage by almost XXXX miles. I receive the {$800.00} plus bill that is in collections. They confirmed they received pmt but for whatever reason they did not issue my {$300.00} credit or post pmt. have contacted them 20 plus times been told I can not speak to a supervisor they said they would settle for {$170.00} instead of {$300.00} disposition fee which they arent now. I owe nothing. They are billing tax on everything as well. My car note was {$490.00} its their fault they told Bmw XXXX {$450.00}. Tried to fix that I got letter saying call dmv we are billing for tax. Im a XXXX XXXX  family widow of XXXX died on XXXX XXXX I dont pay car tax. Now they are ruining my credit. Doesnt seem legal.
Consumer complaint received 2020-07-29
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Automatic Data Processing, Inc. (TX)

My income tax check was deposited into an account connected with the ADP My Wisely payroll card. It was deposited on XX/XX/XXXX and has not been put on my card as of this day. I've been calling and searching to no end on where it may be.
Consumer complaint received 2018-05-16
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

I took out a private student loan from JPM Chase inXX/XX/XXXX orXX/XX/XXXX. I began making monthly repayments in XX/XX/XXXX but towards the end of XXXX I stopped receiving bills from JPM Chase. In hindsight, I believe they must have been using an outdated address in mailing out my bills. But given that I was in the process of getting reenrolled in college around that same time, I assumed my payments were simply placed in deferment/forbearance, as my other lenders do when I am active in school. 

It was not until I received an actual phone call in XX/XX/XXXX that I was alerted to my account apparently being delinquent, and being escalated to collections. I did not even speak with JPM Chase directly, but rather a representative from the debt collection firm had contacted me. He informed me that I did not have any option to resume monthly payments with JPM Chase, and that I MUST pay the outstanding balance in its entirety. 

I did not have the means to do so, and therefore I was compelled to take out a personal loan with my employer 's credit union ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) in order to pay off that balance, and I have diligently been making my monthly payments to the XXXX XXXX XXXX XXXX since XXXX. However, JPM Chase is still reflecting in my credit file as having delinquencies and as having been charged off and not paid in full. However, that is inaccurate - any lateness or delinquency in payments was due to not receiving bills from JPM Chase. And once I was directly contacted, I immediately acted and had the loan balance paid off in full through another personal loan, and have been keeping my monthly payments with that new servicer.
Consumer complaint received 2018-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (NY)

I have spoken with Barclay bank numerous times since they will not lower my interest rate at almost 26 % and have spoken to their credit counselors, and they are not able to help us and the payments would basically remain the same. I asked if we could work out much lower interest rate or pay off settlement since we are not using the credit card, and paying monthly payment of {$80.00} with only {$20.00} going towards principal. This card would take 20 years to get paid off. they said they can not do anything for me so i told them i would reach out to the government agencies.
Consumer complaint received 2022-06-19
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: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting Accounts ; # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX & # XXXX have violated my rights. To make things even worse, more than half of the accounts listed above were opened without my written consent. All accounts including ; but not limited to - # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX & # XXXX do NOT & have never belonged to me.In addition, after reviewing my full credit report on XXXX, all of the accounts listed above ( including the unrecognized accounts ) have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information. These accounts above have caused significant damages. In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under 15 USC 1692C15 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.15 U.S.C 1681 Section B. States that Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater.
Consumer complaint received 2021-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (CA)

On XX/XX/2021 I made a purchase through XXXX using the Venmo Debit card as my preferred card of payment. It was initially declined because I forgot to link my Venmo Debit card with my bank to take out whatever cash was necessary incase the fund in my Venmo account was insufficient. 

I then linked my Venmo card to my Bank and did the process again in purchasing my tickets to XXXX. This cleared through XXXX and I received the receipt from XXXX that the purchase was complete and paid in full. As Venmo used the money in my account and supplemented it with about XXXX XXXX from my bank account. Later that day, I then received some money transferred into my Venmo account by another party at the same time At about XXXX XXXX XXXXo XXXX the same day I attempted to transfer the XXXX dollars into my own bank account. However, Venmo would not allow me to transfer the money. Then I received an e mail stating my Venmo account was frozen. No rhyme no reason just frozen. It then stated that I need to send a copy of my ID, which I sent. This does not make sense as all the accounts are in my name, and they all have my personal information in file. I am now told that their turn around time is over 8 days and I can not access my money. 

thanks you.
Consumer complaint received 2018-05-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (DC)

On XX/XX/2018 I found sports tickets on XXXX for sale. I talked with the seller via text and phone call who suggested we use XXXX through Wells Fargo for payment. Given that I had the person 's phone number, email and that I was using Wells Fargo, I figured that I would be protected. However, after I transferred the money ( XXXX dollars ) through my Wells Fargo App via XXXX, I never heard from the individual again. I promptly contacted Wells Fargo within minutes after the transaction to cancel and warn them of the scam. I provided them with his phone number, email, XXXX account, XXXX post and other bank accounts he is using for the transactions. I told them that the XXXX posting is still active as well as the email and phone number because he responded to my friend who had just reached out about the tickets again. I was told " thank you very much for all of this information, and that an investigation would be opened and that I would likely receive my money back given that this is a scam. '' However, my money was not reimbursed and no additional steps were taken y the bank to prevent this person from scamming other individuals ... even though the bank was provided with information to help shut down this scam. I reported this posting to XXXX as a scam as well. I tried reaching out to XXXX however they would not help me because I used XXXX through Wells Fargo and therefore have to issue my complaints with Wells Fargo.
Consumer complaint received 2022-03-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (CA)

EOS CCA had me in collections for a debt that was paid to XXXX XXXX XXXX They were trying to collect ~ {$180.00} in total and ruined my otherwise excellent credit for over a year. I was declined on several credit card applications where my credit should have been excellent. 

It took many phone calls to get this corrected and I had to speak with numerous people with bad attitudes who were unhelpful. I was able to get them to reduce the amount but had to persist with more phone calls and follow-ups to get it fully cleared. Even after they said they would fix it, it wasn't fixed and I had to call back again and press them to send the " AUD confirmations '' were never sent when they said they would send them. They admitted to the mistake at the end of the day and after MUCH persistence on my part. These are very bad people. It takes a special kind of person to work at a collection agency.
Consumer complaint received 2018-05-16
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (FL)

I have repeatedly tried to get Wells Fargo to correct their difficenct systems and practices, to no positive result. In each case, Wells Fargo just demands more and less practical information. I have previously asked Wells Fargo to correct this information, in return they claim that their records don't match and that I must provide bank records from nearly a decade ago in some cases to correct their records. 

I had a WFDS loan for an auto that was paid in XX/XX/XXXX. To this day, Wells Fargo continues to report the loan delinquent, with delinquenceis in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as well as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Attached are payment confirmations that I received from Wells Fargo as they happened. If you reference CFPB Complaint # XXXX you will see that Wells Fargo simply denies the problem and demands yet more records that are now at this point nearly 7 years old. 

In light of the recent facts that have to come light with Wells Fargo practices, including : - Massive settlements regarding fraudulently opening accounts in the names of customers - Abusive red-lining and discrimination against other XXXX and minority customers AND - Underhanded sales practices and dishonesty that stretches to the top of the company I feel it's time to revisit this issue which has negatively impacted me for nearly 6 years.
Consumer complaint received 2020-02-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc. (FL)

I have sent several written letters to Southern Management Systems requesting that they validate or remove the debt on each of my credit reports. I haven't received any communications ( written or otherwise ) from this company to validate any debts. They continue to erroneously report false information that is causing a negative impact to my credit file.
Consumer complaint received 2018-05-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (NY)

I satisfied my mortgage on lots numbers XXXX and XXXX in XXXX 2012. I received my property tax bills every quarter and always paid on time. Last week I received a Summons and Complaint from XXXX XXXX XXXX   XXXX stating that there is a tax lien on lot XXXX and will begin foreclosure proceedings. I was absolutely shocked not knowing why this occurred since I always paid my taxes. I called Citimortgage and was told that in 2012 a satisfaction of mortgage was sent to the XXXX Register 's Office for lot XXXX but not for lot XXXX which is a smaller lot. I never received any notification of an issue with lot XXXX either by mail or phone-my first notification was a Summons and Complaint and a Tax Lien!!!. I spoke with the Attorney representing the bank and paid off the tax lien immediately so as not to have any FURTHER PROBLEMS.I now am requesting the satisfaction of mortgage document on lot XXXX from Citimortgage as well as compensation to the tax penalties and legal fees