davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-07
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF THE WEST (IA)

On XX/XX/2022 @ XXXX XXXX I received a voicemail from a gentleman by the name of XXXX. He said he was Housing and Urban Development and the reason for his call was a sensative issue they had in regards to my home ( leaves my address ) and says before they proceed with legal action and start the foreclosure process on my home, I need to contact him as it would be in my best interest and leaves his number. 
Then on XX/XX/2022 at XXXX I received a call from XXXX again. This time he said he was with XXXXXXXX XXXX XXXX department and repeats the previous message about legal action against my home and how it would be in my best interest to call him. 
Around XXXX on XX/XX/XXXX, XXXX I returned the call I had received from XXXX and spoke to a man by the name of XXXX. When I asked who he was with, he told me California XXXXXXXX XXXX XXXX. He then asked for my account number and I told him I did not have it and I did not have a loan through them either. I proceeded to tell him that it was illegal to place phone calls and leave threatening voicemails as well. He then informed me that I had the wrong number that the XXXX does not work there.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I began the process of buying a new home on XX/XX/2022. On XXXX XXXX, my mortgage lender contacted me to say there was a lock on my Equifax credit information. I promptly contacted Equifax and they said the lock was lifted. The mortgage company still could not access the information. After several phone calls, I was told I needed to submit proof of identity and on XXXX XXXX I faxed the requested documentation to Equifax. I was told it would take five days for them to resolve the issue. I called them on XXXX XXXX to check the status and was told they had not seen the fax and to check back in another 5 days. I called again on XXXX XXXX and was told there was a flag on my information and directed to another part of Equifax to fix the problem. The new office said they saw nothing wrong. We reviewed all my information and everything appeared correct but my mortgage company still could not access the information. I had attempted several times to log into the Equifax website but had problems establishing the account. Finally on XXXX XXXX, I was able to reach a tech person who was able to establish an online account for me. Once I gained access to my online information, I discovered that my birthdate was listed incorrectly. I was told if I subscribed to their Equifax ID Patrol program that I could get my dispute resolved quickly. I did so and submitted the required documentation to show my correct date of birth. The website response was that resolution would take up to 30 days. We are scheduled for closing on the new home on XXXX XXXX and will not be able to do that without my lender having access to my Equifax information. I risk losing the house along with the money already paid for appraisal, home inspection and pest inspection, totaling more than {$1000.00}. I have repeatedly been given incorrect or misleading information by Equifax and it is potentially can cost me the home I want to purchase.
Consumer complaint received 2021-06-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo did not issue me a provisional credit at the time of filing unauthorized transaction claims even though it was required by law. Wells Fargo also is not recovering my money that was stolen out of my checking account. I hate how Wells Fargo is taking advantage of me like this. They are not doing their job to protect their customers. This is the last time I will be filing my complaint on CFBP. If I don't get my money back, I will be talking to press and escalate this further.
Consumer complaint received 2023-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cedars Business Services, LLC (FL)

Cedar Business Services, I have requested verification of the debt and it has not been provided. I continue to get harassed via work email. Confirm the debt owed, that it is mine, and that you are authorized to collect the debt. I ask that you provide all supporting documentation and information on how you arrived at that conclusion. This is my request and right under FCRA 611.
Consumer complaint received 2022-03-07
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

For your consideration, All three credit bureaus have incorrect phone numbers listed on my credit report. Because my changes of phone numbers have been numerous over the decades this could place me in a vulnerable position in society for companies reviewing my credit using filters on number of phone number changes. 

Unfortunately, there are hidden and unfair forms of stigma and discrimination in society one of which involves XXXX box algorithms which filter according to categories such as numbers of changes of phone numbers. 

Such XXXX box algorithms are hidden forms of stigma and discrimination on the part of lenders and other companies reviewing my credit. To protect my right to privacy from these and other unethical forms of practice until these come under greater regulatory scrutiny please remove from all of my credit reports mention of previous phone numbers in accordance with the Fair Credit Reporting Act. 

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 States a consumer reporting agency can not furnish an account with my written instructions which none of the three major credit reporting agencies have obtained from me.
Consumer complaint received 2022-03-07
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. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-05-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (NC)

On XX/XX/XXXX I applied for a personal loan in the amount of XXXX. I did so on my phone. When I applied, a truth in lending disclosure never loaded properly yet I was approved. I called the company on XX/XX/XXXX ( XXXX phone records are available ) and was told that my payment would be XXXX monthly. I tried to make an additional interest payment on XX/XX/XXXX and accessed my account online. The truth in lending statement was available to see at last AFTER I got my money. To my surprise, the APR was 497.621 % and there would be 13 payments of XXXX, not monthly. I called to complain and was told by the agent that they are a tribal government and immune to federal laws. The agent told me that I agreed to the loan terms, which I didn't, and then promptly hung up on me. 

This company has sold my information to other payday loan lenders and has filled my email with spam now. 

By failing to make me aware of the APR and not showing a functional truth in lending disclosure they are in violation and I want this company reported and for them to stop stealing my money.
Consumer complaint received 2022-03-07
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. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-03-28
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: TENET HEALTHCARE CORPORATION (CA)

On XX/XX/18 and XX/XX/18 I went to XXXX XXXX XXXX XXXX owned by Tenet Healthcare. Without my consent they ran my XXXX XXXX credit report even though I gave them my insurance card and drivers license. I gave them no written authorization to run my credit.
Consumer complaint received 2022-03-07
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. (GA)

Hello, This complaint is not sent in error, I am a consumer and my TransUnion consumer report doesnt reflect 100 % accuracy. This XXXX  account and XXXX inquiry are listed on my TransUnion Report and needs to be removed immediately. These are fraudulent accounts and I have followed the proper channels to have this information removed from TransUnion. 

I have been trying to remedy this issue to no avail. TransUnion is ignoring the fact that this information needs to be removed immediately. Please see previous complaints : # XXXX and XXXX # XXXX and XXXX
Consumer complaint received 2016-01-01
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I just logged into my Bank of America online banking profile for the first time in a long time ( I generally do not use them as much any more ) and found that they have begun charging a monthly maintenance fee on my Money Market Savings account of {$12.00} per month if my balance is below {$2500.00}. I have not had more than a few cents in this account for years and have never been charged this amount before, so now I 'm {$35.00} in the red after 3 months of charges. I do n't seem to have anything in my email or otherwise that notified me that this change was going to happen either.
Consumer complaint received 2019-03-23
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)

XXXX, Equifax, XXXX  all show inquiries to businesses that I have never given permission to there were too many for me to list hard inquiries as well as soft
Consumer complaint received 2019-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

equifax reporting agency reports to my creditors that I have not been paying my bills on time. they have no dates listed which makes it worst for my credit. they even say everything is paid on time, but they left 3 accounts on the negative list even as they say they are paid on time. I have asked them 2 times to correct this with no luck. This has caused my credit to fall to the low XXXX score and cost me thousands of dollars over the last 3years. I have paid my bills on time for many years, paid off over 25,000 dollars in the last 6 months, but still suffer the effects of bad credit everyday due to their mistakes. 
bottom line is I am stuck in a rut because they make no profit from correcting mistakes. .Thank you XXXX XXXX .
Consumer complaint received 2022-03-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (NC)

PNC Bank are scammers and gougers! 

They are trying to increase my fixed rate loan to 8 %! The prime rate is currently 3.25 %! This is outrageous. They stated the bank didnt want to lose money and I am stuck in my variable rate loan, with no control. 

I contacted them today XX/XX/07 to make sure my entire HELOC loan could be switched to a fixed rate, to lock in rates before they rise. Id have to be insane to lock in an 8 % interest rate. They said they could raise it as high as 24 %, which is predatory. They stated they sent out letters warning clients to lock in rates now, I never received any such letter. The feds have only raised rates once this year, and it certainly wasnt to 8 %. 

This sickens me and if I could turn back time I would NEVER choose PNC Bank. I am stuck with them and our HELOC loan as well for 178 months.
Consumer complaint received 2018-12-19
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Navient Solutions, LLC. (MI)

XXXX XXXX XXXX employee XXXX XXXX has repeatedly called my employer multiple times and multiple days. Originally only referencing a private matter until today. XX/XX/18 she contacted my employer at numerous locations and stated she was a debt collector attempting to collect a debt. this is a violation of my employers policies and my right to privacy.
Consumer complaint received 2018-05-22
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Outsourcing, Inc. (PA)

My husband is receiving robocalls ( at home, while he's at work ) from some company which comes up on the caller ID as " XXXX ''. The robocall assumes that someone is answering ( even though it's the machine picking up ) and says it will hold 3 seconds till my husband can get someplace " private '' -- which seemed VERY fishy to me ). When I called back to ask what it was in reference to they wouldn't tell me. So I said " If we tell you to not call the house, you have to NOT CALL THE HOUSE '' ( that is, as I understand it, the law ). Well we got another call this XXXX. So I called the number back, which was XXXX and got some company called " XXXX XXXX XXXX '' ( or some such ) and told the woman who eventually answered ( I did NOT give my phone number! ) that they had already been told NOT TO CALL. It got a little heated and the woman hung up. So I called again ( hey, it's THEIR dime ) and got someone else who *assumed* it was my husband calling -- so much for not giving them my phone number .... And I again said " It's illegal for you to call my house after you've been told not to do so! '' I then deleted the message and called my husband at work ( this may be a medical debt that he THOUGHT he had taken care of long since ) and he was going to try calling the number.
Consumer complaint received 2022-03-07
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY (FL)

I received a statement from Target on XX/XX/XXXX in the amount of {$31.00} that was paid in XXXX ( Check No. XXXX ) which was cashed by Target Bank on XX/XX/XXXX. On XX/XX/XXXX I received a statement in the amount of {$61.00} which included the XXXX balance of {$31.00} plus a non-payment fee of {$30.00}. on XX/XX/XXXX we called Target and were told to send our bank information as proof of payment. The proof of payment was faxed to ( XXXX ) XXXX as requested on XX/XX/XXXX as requested during the XX/XX/XXXX call with Target. .On XX/XX/XXXX I received another bill from Target with an additional {$29.00} fee charged bring the balance to {$90.00}. Target was contacted again to remind them this account balance was under dispute. On XX/XX/XXXX I received confirmation of the credit card billing dispute saying I would not be billed while the account was under dispute. On XX/XX/XXXX I received another collection letter from Target. Called again on XX/XX/XXXX to discuss the dispute issue and find out when it would be resolved. Today I received a statement dated XX/XX/XXXX with another {$33.00} late fee bring the balance due to {$120.00} along with a letter from XXXX XXXX XXXX XXXX debt collector for the amount due. I called again today and realized it is useless to continue to contact them regarding regarding this issue. They promise a Dispute Manager will get back to me and no one ever calls. I have an excellent credit record and am concerned that their inability to resolve this issue will affect it. Thanking you in advance for your assistance.
Consumer complaint received 2021-10-24
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

Spoke to guy at capital one this morning, they are trying to collect a debt that was discharged in bankruptcy, also put a dormant achount active status on my credit report when I reported my XXXX balance paid was reported balance increase yesterday on credit report, now they are doing all this because of bankruptcy and being rude to me, got nowhere, they are trying to collect that debt from me discharged in 2017!!! I want them to stop messing with my credit report innaccurate info!!! I did contact attorney in this as well!!! Now they are harassing me for this debt discharged in 2017
Consumer complaint received 2019-03-28
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

SAME AS PREVIOUS COMPLAINT, WENT TO XXXX XXXX, THEY RAN MY CREDIT FORA CAR LOAN THRU A CREDIT AGENCY WITHOUT MY CONCENT.
Consumer complaint received 2022-03-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America is reporting a negative account on my credit report that I know nothing of..I did not authorize that to be on my report. I asked Bank of America to validate the account by providing me with my signature on the original application. They never provide me with any such thing. They send me a letter saying that " there is no account So there is nothing to validate... If there are saying there no such account that mean they are illegal reporting inaccurate information on my credit profile. I want the account XXXX to be removed from my credit report profile immediately.
Consumer complaint received 2019-10-23
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. (RI)

Please reverse the late payments reported on the following accounts : XXXX/XXXX   XXXX****, XXXX/XXXX XXXX**** and XXXX XXXX** The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Consumer complaint received 2019-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC. (FL)

I noticed information being reported on my credit report with this company Caine & Weiner, XXXX XXXX XXXX, XXXX XXXX, CA XXXX, And stating is from XXXX XXXX by XXXX XXXX XXXX office. However I did not owe anything to XXXX XXXX. My policy was switched over when I relocated to another state. If I had old any money on the account then they would not have to provide me car insurance in another state. XXXX what I had said to pay what was owe back in the state of New Jersey   before we could give you insurance in the state you're in now. I never heard of this company that is reporting this on my credit report. I also never received one letter from this company. I have no idea who this company is. I also had contacted XXXX on regards to the matter. XXXX is stating they see that I had paid off everything that was old. Did my policy got switched over to another state. They can not understand what is going on. I feel like I'm unfair report anything if I have relocated to another state a long time ago and never got the information. 

Below is my information from New Jersey. Name is XXXX XXXX, XXXX XXXX XXXX XXXX XXXX New Jersey zip XXXX
Consumer complaint received 2020-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I paid off my balance within my grace period and still received an interest charge of {$66.00} on my XX/XX/XXXX statement. I called customer service and tried to explain, however, the agent was rude and raised voice without understanding my situation. She indicated if I did not pay {$290.00} by my closing date, I will continue to accumulate interest, despite my balance at close being {$210.00} and which I already paid to make my account a XXXX balance. 

I am requesting a refund of the {$66.00} charged as I paid the account off within my grace period and the calculation of interest on my account is inaccurate.