davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I was in mall to shop for XXXX gifts and this XXXX asked if I would like to try sample Of cream. I went in tried she wanted to sale it to me i went to register to purchase and then changed my mind told her it was to close to XXXX to make a big purchase and i assumed she canceled transaction at this point. She the salesperson stated i was the boss that she would put in a bag for me to go shop and think about it and if i wanted it she would through in a facial for me too. Me and my XXXX left and we finished our shopping at end of day i went back by store and told XXXX thank you for helping me but decided i did not want product but ty anyways she said there was nothing she could do it was already charged and i could not get refund. I stated what do u mean i never took anything out of store to refund. She stayed that was policy. I stated i was never told that and i never took anything out of store anyways. I asked to speak to supervisor. She pretended to call supervisor on phone but she would not let me speak to them. I told her it better be taken of my card and i was calling my bank. Which is bank of America credit card. I called my bank they said transaction had to go through then i could dispute which I did. They contacted company and they told them their policy and BOA recharged my card. I called again to explain to BOA that i never received product and took nothing out if store so basically the salesperson could have taken product home with her because i never took anything out of store. They said they would have supervisor contact me and nothing has been resolved. This is fraud. I never took anything out of store and XXXX of associates of BOA even tried to contact the store and they would not return her calls. I should get a refund back to my card. The store was XXXX in XXXX NC at XXXX XXXX. I have no way of contacting them or name of salesperson. Transaction date was XX/XX/2021. This still has not been resolved. BOA has not protected my best interest and i have been a loyal customer for XXXX plus years. I cant even get a supervisor to call me back. I want to pay my card of except for the charge XXXX the amount that was charged to me for product i did not receive and then cancel my BOA card but If i do that however that would continue to incur finance charges and hurt my great credit. I just would like someone to help me get credit to my card and this not happen again to someone else.
Consumer complaint received 2021-08-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diaz & Associates, Inc. (CA)

This company was contact months ago and so were all 3 credit bureaus. The account in collections was opened fraudulently back in XX/XX/XXXX and this company is purposely reporting this debt as if it was opened in XXXX. This leads to more of a score drop on my credit report and is being done on purpose because Diaz And Associates is aware that the account was is set to fall off in 7 years XXXX XX/XX/XXXX ) which was confirmed by all 3 credit bureaus however this unscrupulous bill collector is reporting the account being opened this year XXXX just because they bought the debt which should not be allowed by the credit bureau and should not be done by the collection agency. This is a ridiculous attempt to not submit the correct information and it needs to be reported correctly which is it was opened in XXXX NOT XXXX. 

This debt needs to be reported correctly it was last delinquent in XXXX and is set to fall off the credit report XX/XX/XXXX, therefore Diaz and Associates should not be allowed to report fraudulent information as if this account was open and first because delinquent in XXXX to the credit bureaus and the credit bureaus should NOT allow this practice to continue for anyone, very unscrupulous behavior and Dias and Associates has been notified and have made no changes.
Consumer complaint received 2015-04-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alliance One, Inc. (OH)

I received a debt collection notice for a speeding camera ticket. I responded immediately and requesting the following : Prove that you are licensed to collect in the state of OhioProvide me with your license numbers and a Registered Agent 's name Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment ; Prove the Statute of Limitations has not expired on this account ; The response from the collection contained none of the requested information. The response stated that their investigation was complete and that I owe what they say I owe, along with a photo of my license plate.
Consumer complaint received 2022-02-14
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: Upgrade, Inc. (NJ)

Someone has gotten a hold of my personal information and made three inquiries to credit card companies without my approval. On XX/XX/XXXX an inquiry was made and an account established with XXXX upgrade. I have reached out to this lender and let them know. On XX/XX/XXXX two inquiries were made one with XXXX XXXX  and one with the XXXX XXXX XXXX XXXX XXXX  I did not authorize any of these inquiries or accounts and have already filed with XXXX XXXX my file number is XXXX
Consumer complaint received 2022-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (MI)

XXXX XXXX XXXX is using another company to try to collect money for a bill that was paid. This has been going on for three years. this has been sent to regulators and the XXXX XXXX and XXXX XXXX XXXX  has not been successful. This harassment should have already reached the statue of limitations.
Consumer complaint received 2016-02-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Reliant Capital Solutions, LLC (IN)

Reliant Capital Solutions LLC XXXX contacted me for a loan that 's not mine. I sent them dispute letters but they still reported my account to credit bureau and that 's marring my credit report. They have not provided me any proof that the loan is mine. They keep sending me a bill which is not mine.
Consumer complaint received 2022-02-14
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HYUNDAI CAPITAL AMERICA (FL)

Kia Motors Finance XXXX XXXX XXXX XXXX TX XXXX Kia Motors Finance XXXX XXXX XXXX XXXX TX XXXX XXXX : XXXX XXXX Dispute of Account Account Number : XXXX Our File : XXXX To Whom It May Concern : This letter is written on behalf of XXXX XXXX who leased a XXXX XXXX XXXX from the XXXX  XXXX of XXXX dealership on XX/XX/XXXX. He is in receipt of your letter dated XX/XX/XXXX wherein your company claims a balance of {$400.00} is owed. 
XXXX XXXX asserts that when he returned the leased vehicle to your company he did it in a timely manner. Moreover, he maintains he returned both keys associated with the vehicle. Enclosed please find proof that demonstrates not only the return of the keys but acknowledge of its return by XXXX itself. In light of the aforementioned, XXXX XXXX hereby demands your company cease and desist from any further collection efforts against him and notate that his account has a zero balance. Please be advised that if we do not receive a satisfactory written response to this letter within ten ( 10 ) days of your receipt of this letter, we will advise XXXX XXXX XXXX as to the legal avenues available to further protect his legal rights. 
Sincerely,
Consumer complaint received 2022-07-06
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: AMERICAN EXPRESS COMPANY (OH)

Placing a hard inquiry on my credit report without my knowledge. There are several hard inquiries on my report that I did not approve. 
Also a hard inquiry showed up on my report and I did not submit any report with the company
Consumer complaint received 2022-03-21
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. (NY)

TransUnion is reporting inaccurate information. This XXXX  XXXX XXXX account and XXXX XXXX XXXX is not mines and needs to be Deleted off my credit report.
Consumer complaint received 2018-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: VIRTUOSO SOURCING GROUP, LLC. (MN)

I had a no contract service plan from XXXX  in XX/XX/XXXX. I cancelled service inXX/XX/XXXX and followed the steps outlined by XXXX  to return their equipment ( cable box ). I had XXXX XXXX   on XX/XX/XXXX. Throughout XX/XX/XXXX they ( either XXXX  or the debt collection agency they hired - I don't remember ) continued to call me almost daily before XXXX XXXX. They did not leave a voicemail. I was not capable of handling this at that time because I was in recovery. That's why I took care of all my business before the XXXX. In XX/XX/XXXX I finally called the number back that had been calling repeatedly and was told that they are attempting to collect a debt for the equipment. I let them know that I had already sent it in and provided proof ( shipping information ). I also called XXXX to verify this information and to make sure this was settled.

I did not hear from them again until XX/XX/XXXX of this year ( XX/XX/XXXX). They ( collection agency - I'm assuming Virtuoso but I'm not sure ) called several days in a row but did not answer when I picked up or leave a message if I let it go to voicemail, so when I had time I called the number back. They told me they were trying to collect a debt for equipment for XXXX. I informed them that I had never owed that debt and that it had been taken care of with a collection agency and with XXXX. They told me to file an appeal on their website, which I did right away. I don't remember the website. The calls stopped at that time.

Now ( XX/XX/XXXX ) I am getting daily calls from XXXX. I answer, the line is blank. I call back immediately and it says the line will be connected to an agent. It rings then puts hold music on, then says that I've reached them outside of their business hours ( I just called at XXXX XXXX CST on a Thursday ) then says stay on the line to use their automated system to pay the debt, then hangs up on me. Before that it gives a website to pay the debt that they're trying to collect ( XXXX ). The options there are to log in, create an account, or " XXXX XXXX. '' I am not going to set up an account and give them more of my personal information - I can't even reach a person to find out who it is, why they're calling, or if they even have the right person. Since XXXX is the only company that would be feasibly trying to collect a debt from me, I am assuming that they hired Virtuoso to collect this debt that they keep claiming I owe.
Consumer complaint received 2021-06-13
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: Credit Wise Recovery Solution LLC (OH)

XXXX  XXXX XXXX did a credit inquiry on XX/XX/2021. I did not authorize this. I do not have an account or credit with them. I did not apply for a credit card with them. The inquiry impacted my XXXX  credit score and dropped my points because of the inquiry.
Consumer complaint received 2016-03-30
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: PNC Bank N.A. (MO)

I have XXXX joint mortgages ( I accumulated with my ex-wife of almost 20 years ) my credit report and I only own XXXX home. On XXXX XXXX, 2011 I was amicably divorced without legal representation.My divorce decree clearly list XXXX of the mortgages as the debt of my ex-wife. Number XXXX was gifted to my ex-wife and there is a quit claim deed on file. I have no ownership and yet I am being held hostage whenever my credit is reviewed.
Consumer complaint received 2021-06-15
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. (AL)

On XX/XX/2021, I sent a letter asking for an investigation and the information used to add this account to my credit report. I have made 4 attempts since XX/XX/2021 and I have not received any information regarding this account XXXX XXXX XXXX.
Consumer complaint received 2021-06-13
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. (SC)

I have filed a dispute on a late payment due to COVID-19 I lost my job. I have contacted XXXX serval times to deal with this matter. There is an incorrect error on my credit report saying I have had one late payment in XX/XX/2021. According to my payment history I have never missed a payment on time.
Consumer complaint received 2022-02-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

My property taxes where left unpaid for over a year, Freedom paid {$790.00} in late fees. I understand taxes increase and so does insurance premiums. However, two increases of impound account should not increase my payment {$760.00} monthly. The paperwork I received XX/XX/XXXX, states my new payment will be {$3000.00}. My payment started at {$2200.00} then went to {$2.00}, XXXX and now is {$3000.00}. I'm a 100 % veteran living on a fixed income. I can not pay this new payment! This matter needs to be handled before my XXXX payment is due, please. The VA requires my loan to be impounded. Freedom mortgage obviously, can't manage my impound account. I have spent days on the phone trying to correct your lack of property tax payment. Please help me. 
Thank you, XXXX XXXX
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately 3. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

XXXX Account Number : XXXXXXXX As a consumer by law this account must be deleted immediately 4. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX XXXXXXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 5. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately 6. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately
Consumer complaint received 2021-08-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Complete Credit Solutions, Inc. (TX)

Complete Credit Solutions who was previously notified the supposed debt is NOT mine.I demanded they validate this debt and provide the original contract with my signature on it which they have failed to do.

Where is the original contract with my signature on it? I have stated multiple times this debt is not mine. They claim this supposed debt is over 8 years old ( well beyond the statue of limitations ) without providing any ORIGINAL SIGNED AND DATED CONTRACT yet they have it on my credit as a debt from XXXX. They claim " Our records indicate the agreement between XXXX XXXX/XXXX XXXX and XXXX XXXX was executed on XX/XX/XXXX. The last payment date was XX/XX/XXXX, and the last payment amount was {$18.00}. The first delinquency was on XX/XX/XXXX and the charge off date was XX/XX/XXXX. '' So the last payment date and first delinquency are almost a year apart? Where is the documented contract with my signature on it? 

Throwing out some random account number and dates does NOT prove this account is mine as anyone can make this up, still NO ORIGINAL SIGNED AND DATED CONTRACT PROVIDED! Also, I was not living in the US in XXXX and XXXX which is another reason I know this debt is NOT mine. I lived overseas during that 2 year period so there were no new accounts opened at all. 

This has been an ongoing issue for years of multiple collection agencies selling it to another agency and then the new agency will try to add it to my credit report as a " new debt ''. I have never had a XXXX XXXX 's card and do not ever get store cards. 

Again, They don't have a single original contract from XXXX XXXX with my signature on it or anything of the sort as I never had it. Years of seeing this constantly pop up with random letters from various collection agencies trying to collect on a debt that can not be verified as it is NOT mine and has passed the statue of limitations.
Consumer complaint received 2021-06-13
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

good day, I am currently on unemployment and have a bank of America debit card on XX/XX/XXXX I went grocery shopping and tried to use my card and it declined I went home and called bank of America to report this. I found out that someone used my card at 5 different locations to get out money, one transaction was in Connecticut and one was in new jersey and the rest were in XXXX. The total amount of my money was XXXX that is XXXX XXXX XXXX XXXX XXXX XXXX dollars and XXXX cents. this is the money that was stolen from me. I have talked to so many employees at Bank of America that they got use to hearing my voice. I have been to a one of the branch locations that my money was with drawn from and have counted 5 cameras outside this location which is the location on XXXX XXXX and XXXX  XXXX XXXX. I can not understand why they have not been able to review the cameras to see that it was not me that did this. this bank has been just jerking me around and do not seem to care. I have been more than patient with this situation. I even had a representative from the bank to hang up on me. I am so greatful that I have help with my bills but I now owe every family member money due to the fact that I can, t get any help from bank of America. I am so glad I found this website I pray that someone can help me. please. I have a complaint number that the bank gave me.XXXX XXXX. 
also he person that got my money left me XXXX dollars and some change in my account so that's owed to me also. Bank of America is one of the most horrible banks I know of in my life. I was with them before and the service as so horrible that I left. I am glad unemployment took the account away from this bank. I have known many people that this happened also and they got there money back pretty quick. I am so upset with this bank that I went to the doctors for my XXXX and now I have a problem with XXXX XXXX XXXX and its all my XXXX. thank you to whoever reads this. 
My name is XXXX XXXX XXXX XXXX XXXX XXXX  md XXXX my cell is XXXX can someone please please help me or give me some advise. 
have a great day!!!!!!
Consumer complaint received 2018-04-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: INDUSTRIAL AND COMMERCIAL BANK OF CHINA (USA), NATIONAL ASSOCIATION (CA)

Hi, my name is XXXX XXXX. I work at XXXX XXXX  XXXX Banking XXXX in XXXX XXXX, California. This morning at XXXX I received a unknown caller that said he was calling from XXXX embassy that they have two certify mails from XXXX XXXX police department addresses to me about this case, reference no XXXX. Then I got transferred to speak with the supervisor XXXX XXXX XXXX XXXX. She told me that the police in XXXX had caught this lady named " XXXX XXXX '' and find out she has XXXX - XXXX debit cards under different names and one of the card is under my name. XXXX XXXX told the police she bought this debit card from me that she paid {$3000.00} to me. " The Police '' in XXXX also found out in XX/XX/2018 I was opened an account at XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX branch, New York. I haven't been to New York for more than XXXX years. The embassy even transferred my call to have me spoke with " XXXX XXXX '' in XXXX XXXX XXXX police station. " XXXX XXXX '' wanted to take my statement by asking first my phone number, and I answer him that how do I know that you are the policeman. He said " understood '' then hung up. After half an hour I received three different numbers phone calls XXXX XXXX, XXXX and XXXX ). I block all those numbers from calling back and I block my caller ID and called those number back, so the calls are ringing and went to voice mails. I left messages for them said that I need more information for police record. I really think these are scam and would like to have someone look into those phone numbers and prevent it happening again. Thanks a lot and much appreciate.
Consumer complaint received 2021-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP (NJ)

XXXX XXXXXXXX discharged toll violation fees to a debt collector firm of Linebarger Goggan Blair & Sampson, LLP. I filed and mailed in a dispute form to XXXX XXXX XXXX claiming the debt was not owed by me because I do not own a XXXX XXXX XXXX that was seen violating tolls at their plaza. The temp plates I received from buying a vehicle was duplicated and illegally linked to my name & address. The debt is not mine and I have obtain an investigation report from NJ MVC Business Licensing Bureau proving my claim.