davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (TX)

On XX/XX/XXXX I had an on the job injury to my left shoulder. Upon the surgeon 's request on XX/XX/XXXX, I was sent to XXXX XXXX for an XXXX XX/XX/XXXX. I received a bill for {$1100.00} XXXX of XXXX that I forwarded to Department of Labor. XXXX of XXXX I was notified that this bill was in collections held by Americollect. I sent them a certified letter asking for verification. Nothing was provided. I called to let them know this was a Workman 's Comp case and in turn I received another bill. I have reached out to XXXX XXXX and they have confirmed that this should not be a collection under my name. In the meantime, Americollect is continuing to report negative information on my credit report. This erroneous information is inconveniencing my military security clearance.
Consumer complaint received 2019-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TK Credit Recovery, Inc (CA)

I am trying to refinance my house. A judgement came across from TK Credit Recovery stating I owe from XXXX XXXX. I took out a loan in XXXX paid XXXX XXXX in XXXX account paid in full and closed. I have documentation from XXXX XXXX the the debt has been paid in full. Now this TK Credit Recovery comes up. I called TK Credit Recovery spoke to XXXX XXXX, which is not a friendly person, told him I had documentation stating my account was paid in full. I asked if I can get somethin in writing stating that the Judgement on me was from XXXX XXXX  so I could present to my broker so I could continue with my loan process. He told me that the judgement was on my name and he could not give me no information until he recieved clarification from the Sheriff Dept. He would not let me speak. And was not willing to help me.
Consumer complaint received 2015-09-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (TX)

After Disputing my credit with Equfax by phone and on line the online report became unavailable. They continue to report multiple accounts it took 3 weeks to get them to send me a copy of my report by mail. They refuse to update my address information and are still reporting an address I have never had which ccould be associated with Idenity theft XXXX XXXX XXXX, XXXX Tx XXXX I have disuted this address several times. I never lived here or know how it has come to be on my report. They contine to report my student loans multiple times when I called the collection agencyes who they show to be reporting them I was told thet the reason they are showing up on my report is because Equifax is sending them repeated investigations ect but that they should have droped off after 30 days as they are no longer reporting them the loans have been discharged and I no longer owe them. They are reporting them 9 times.While there were only XXXX loans that have been completley dicharged. Also they have elected to now only report my negative credit and have erased all of good credit. which is only being reported by Transunion and experian. They wiped it off since 2013 when I last disputed my credit with them. Now because off their missreporting the amounts of inaccurate debts that were part of Identy theft XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX. They continue to report these account along with the collection agencey who continue to harrass me in regards to the stolen credit cards.By doubleing the accounts and in the case of the student loans trippleing the number of negative accounts tremendousley effecting my credit score. After contacting the above original creditors they have all told me they have no rights to the accounts they have long been sold and are not updating or any longer reporting to the credit bureaus.
Consumer complaint received 2015-09-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CORELOGIC INC (IL)

when I moved out of my apartment I owed the owner XXXX dollars. they took the money out of my check every pay period until they got the hole balance so every time I apply for an apartment I get denied. so I called the credit people and they said the owner was still on there. I really need that off I fax the credit people the proof that I payed it.so I really wana no can you take that off thank you.
Consumer complaint received 2021-06-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NY)

I have been account holder for coinbase since XX/XX/2021. XX/XX/2021 my account was locked and has been locked for six weeks. I have tried everything on their support platform, yet all i get is that the issue has been resolved and nothing gets done. Their is no customer service number or direct email. I have large sum of money in their account and no one is responding to me.
Consumer complaint received 2019-07-10
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: EQUIFAX, INC. (VA)

Please remove old bankruptcy from my credit report. 
Public Record Date Filed - XX/XX/2013 Type - Chapter XXXX   Bankruptcy Discharged Court - BK Reference - XXXX
Consumer complaint received 2019-03-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (FL)

I have sent numerous debt validation notices and never received a response back from the creditor. As per the ( FCRA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FCRA. 

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.
Consumer complaint received 2016-12-08
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: KEYCORP (NY)

I sent {$10000.00} to XXXX supposedly for the purchase of securities that were to generate me a monthly return. I was to send {$35000.00} total but I choose to do it in installment in the event this operation was a scam. The reason I was trusting was that I was making money initially with doing binary trading and would receive my withdrawals when I submitted them. I decided to close out my account and get my money back but the company is not responding to my phone or e-mail request. I had over {$17000.00} in my account in addition to this {$10000.00} wire transfer I did on XX/XX/2016 from my checking account at Key Bank.
Consumer complaint received 2022-12-15
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have sent numerous letters to the credit bureaus regarding their inaccurate reporting of items on my credit report that should be deleted. Has they have not been properly validated and investigated on the part of the agencies. The credit bureaus continue to neglect that duties to provide fair and accurate information.
Consumer complaint received 2019-10-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MA)

Paid someone a {$130.00} through PayPal friends & family and never received the item ( concert/XXXX XXXX ticket ). Seller promised a refund and then disappeared. Unable to initiate a claim through PayPal.
Consumer complaint received 2022-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (VA)

I lost my social security card and few years back and I checked my credit report and noticed their were two accounts recently opened under my social security number and I tried to dispute those accounts so they can be closed and off my credit but its saying the account stuff is accurate and I physically went and opened those accounts when I never have any acknowledgment of these accounts even being opened in my name. Someone else is using my social security number without my permission and charging things to my credit making it go down.
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 — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (UT)

All three -- XXXX, XXXX, XXXX -- were reporting Wells Fargo information that Wells Fargo was fraudulently reporting to them. 

I made payments on one student loan account at Wells Fargo. In XX/XX/2019 I asked Wells Fargo to place the account in deferment because the student was still in school. They verbally agreed, sent me a notice on their " secure email '' portal that they could do so on my EFS account but would need to speak to others if I wanted any assistance on credit card payments. I did not need assistance with the credit cards and did nothing along that line. 

One dirty little secret is that WF sets up additional student loans under the same account but with " sub-account '' numbers. I made payments via the top level account. 

I checked my account in XXXX and the account appeared to be properly deferred and not requiring payments. 

Suddenly in XXXX _two_ delinquent accounts showed up on my credit reports, both from WF. One account showed " pays as agreed '' in XXXX then 30-days-late in XXXX. The other account showed " pays as agreed '' in XXXX then __60-days-late__ in XXXX. 

I immediately called WF, paid everything they said was owed, and they indicated they would remove the reported delinquencies. They never did. And their " secure email '' is apparently no longer in the system and does not show up in my " secure email '' portal any more. 

1. It is IMPOSSIBLE in this universe for an account to go from " pays as agreed '' to 60-days-late in a single month. This alone is FRAUD.

2. Wells Fargo buries the fact that even though you have one main account number, and make payments on that one main account number, that all of the " sub-accounts '' are reported individually. This is also FRAUD because it is like a credit card company claiming that each transaction is a separate " account ''. I had two student loan TRANSACTIONS with WF. They were paid under ONE ACCOUNT NUMBER. But reported as two accounts? And then, the one account on which I was paying goes from " pays as agreed '' to *BOTH* 30-days-late *AND* 60-days-late??? FRAUD. 

I talked to Wells Fargo MANY times to attempt to resolve but they refused to remove the fraudulently reported information. 

I disputed multiple times with all three reporting agencies. But their online dispute forms make it very difficult to explain precisely WHY the information is wrong, so it kept coming back onto my reports. 

I finally submitted disputes via the " other '' reason that allowed me to enter an explanation. 

XXXX removed the information. And it has stayed off. 
XXXX removed the information. And it has stayed off. 

XXXX  REFUSES TO REMOVE THE INFORMATION. 

It is ALSO an impossibility in this universe that Wells Fargo allowed XXXX and XXXX to remove the fraudulent information but told XXXX to keep it. 

MORE FRAUD.
Consumer complaint received 2016-04-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BMO Bank, N.A. (KS)

I went to BMO Harris Bank located at XXXX XXXX XXXX, XXXX, KS XXXX to open a checking account. When I received my first statement I noticed the bank opened a credit line without my consent. I asked the bank to close the line of credit and so they mailed me a form to sign giving them consent to close the credit line. I brought the paperwork into the branch on XXXX/XXXX/2016 and was assured the line of credit would be closed. On XXXX/XXXX/2016 I noticed the line of credit was still open. I spoke to the branch manager and he told me the banker handling my account must be busy and he 'd talk to her about it the following week. Today is XXXX/XXXX/2016 and my line of credit remains open.
Consumer complaint received 2021-02-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

About two years ago, XX/XX/XXXX if I remember correctly, my identity was stolen ... Personal belongings of mine fell into the hands of imposters. Whoever they were, they used my cell phone to get into my checking account thru the app on my phone I assume, and started transferring money to themselves using XXXX. This happened XXXX, XXXX, XXXX, XXXX, and in XX/XX/XXXX she/he wired {$1500.00} from my account to themselves ( of this I have proof of who did it, but only proof of who did this wire ). There was also a fraudulent check made and cashed against my account in XX/XX/XXXX. 
Since I learned of my money being stolen from my account, I was reporting it every month to my financial institution ( USAA ). For almost two years I fought with USAA to get my moneys back. USAA failed to do as they promised, I never received the provisional credits, not on the full amounts stolen ... Instead, USAA decided to close my account, after 23 years with them, insighting me as a liability ... The representative told me that I should have taken better care of my personal effects, I should have had a pin code or lock on my phone, I should have secured my things better .... All of which I had done ... All of it!!! I don't think USAA treated me very fairly, and since closing my account has created a world of difficulty for me in recouping my money still held in my closed account. That is another problem in and of itself ...
Consumer complaint received 2019-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

1. On today, XX/XX/10, I entered the XXXX XXXX. XXXX at XXXX XXXX XXXX XXXX to cash a check. 

2. XXXX, the financial services mgr., said there was an issue with my student loan financial aid check from XXXXt XXXX XXXX . He said there were 2 signature lines but only one signature. Even though the second line states the second  signature is only needed for amounts over 10k , whereas the check is for XXXX XXXX He said I should be careful with what checks I deposit. 

3. I called XXXX XXXX, director of Financial Aid, to put her on the phone with XXXX. With her on line, he refused to speak with her, saying, I'm done with you. I asked if he could pls talk to her, so she could understand the issue and possibly help other students in the future. He refused to talk with her and said I'm done with you. I said I'm not done. 

4. Security standing nearby gestured for me to leave the teller area. 

5. I asked for the district mgr. Name and number, he refused. 

6. I asked for his name, he refused.

7. I asked for his card, he refused. He said Sir you're making a scene. 

8. I walked to another branch to make a complaint with XXXX. 

9. I had to call the XXXX branch to obtain XXXX 's name, which is consistent with what I could partially see on his badge.
Consumer complaint received 2018-06-04
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

XX/XX/XXXX I received from the human resource office of XXXX XXXX XXXX a copy to Writ of Garnishment of something sent from the XXXX XXXX XXXX District of XXXX XXXX against me for the amount of {$3100.00} which occurred on XXXX. 
On XX/XX/XXXX, I sent a certified letter to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX to the XXXX XXXX, LA address that was provided on the document. It was supposed to arrived on XX/XX/XXXX but did not due to the wrong address on the document. When I called to get a corrected address and told them what had happened, the clerk didn't want to talk to me until she got the last four digits of my social and she can find out who I was so she could start the recording. She said her line that this was attempt to collect a debt and I was being recorded. She looked up the account and said that the debt was back in XXXX and could I make a payment in full. I hung up since I did not want to be recorded or her alter her statement to be my statement. I resent the letter on XX/XX/XXXX via certified mail as of XX/XX/XXXX it should be there. The new address is XXXX XXXX XXXX XXXX # XXXX XXXX LA XXXX
Consumer complaint received 2021-06-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RevMD Partners, LLC. (CA)

I have a debt from a company called RevMD partners. I noticed on my credit report I had a few open accounts and I reached out to them to start paying to get the amounts to XXXX. I call every few days and every time they tell me I owe different amounts than whats on my credit report. I ask for statements habitually by mail and I never recieve them. I just called again this morning and I gace them a small payment and told them I refuse to pay anymore until I get statment. The staff is very small there and I always get the same two people on the line and they already know who I am and still, they say they are sending statements and I never get them. They keep mentionng different accounts and I have no idea where my money is going as the amounts on my credit report are not reflecting what I owe and they cant explain or give me a statement. They blame my mail, but I have no issues getting my mail. I WANT A STATEMENT
Consumer complaint received 2021-06-15
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: Experian Information Solutions Inc. (TX)

There was a debt in my name that wasnt from me. I disputed the debt through Experian letting the company know that the debt is fraudulent but the company wont take it off and delete it from my credit report. Ive asked them to verify the debt and nothing just happened!
Consumer complaint received 2019-05-01
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: HSBC NORTH AMERICA HOLDINGS INC. (NC)

I received a fraudulent charge on my HSBC credit card in XX/XX/XXXX. I  signed an affidavit saying that the charge was fraudulent. 3 months later I get a letter saying the claim was denied. Although the whole time theyve been racking up the fees and decreasing my credit score. The original charge was for {$79.00}, my bill including late fee is now about double that and my credit score has decreased over 100 points.
Consumer complaint received 2016-11-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (AR)

They are reporting XXXX and light on Equifax. They are reporting the same account twice. When I mentioned this to the equifax rep they said well the account number is the same, the balance is the same, but the date opened is NOT. Therefore it is NOT a duplicate by our standards. I contacted XXXX and light. They said to me that they do NOT report to equifax they report to XXXX and furthermore they had NOT received ANY response from equifax regarding my dispute!!! So equifax is n't even investigating my dispute at all!! They also said that there is only XXXX account and have no idea where equifax is getting their information. They are mailing me a form to fill out regarding the XXXX account that is in dispute. Equifax refuses to investigate anything I dispute. They do NOT investigate my inquiries. Within two days they come back with their findings!! Their agency needs to be investigated for failing to do their jobs.
Consumer complaint received 2019-07-10
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: Bread Financial Holdings, Inc. (MA)

I opened a XXXX XXXX XXXX credit card and made a large order. The order never arrived and I was supposed to be given a full refund of the amount on the card -- meaning I had XXXX balance on the card. The company never charged the initial amount back and listed it as delinquent. However the charges on the account were not mine -- I had in writing their agreement to charge back the full balance of the card. The card was closed without my permission and sold to a debt collection agency and is listed in collection on my credit reports.
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Well me being honest I seen things on my credit report that was XXXX that things that was in the past that somebody else has used my information to things that I had knowledge about I kept honest about the things I didn't have knowledge about I didn't have knowledge about most things on my thing on medical. Open accounts like MasterCard hard and requires buy stuff like that I apply for certain things and I didn't apply for so it ended when I put the dispute and they say it's too fresh or is open like too early but for real for real I really think that right stuff should be swiped off my record because I didn't write process I got XXXX so that she took care of the hospital stuff I put the right dispute in and told the truth I'm just saying what's going on this supposed to be America right is right is wrong as wrong identity thieves living off of good people only thing I could do is be honest