davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-05
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Action Collection Agencies, Inc. (NJ)

Debt Collector ( ACA ) contacted me. I indicated that I was the person they intended to call. Debt Collector indicated that ( 1 ) they had just received this debt and ( 2 ) attempted to request information from me about my contact info. I indicated that ( 1 ) prior to requesting any information from me, I expected to receive a mini-miranda about the usage of any information that I may provide in accordance with 15 USC 1692e ( 11 ) and ( 2 ) that I would like a validation of debt. 

Caller proceeded to put me on hold for almost 15 minutes before connecting me to a manager. Both the caller and the manager refused to provide me a mini-miranda required by the FDCPA ( and continued to refuse to do so for the entire length of the 20 minute call ) unless I provided them information about myself. 

Further, I indicated I would like a validation of debt. I was told this was mailed a year ago, despite that the debt collector indicated that " they had just received this debt. '' I indicated I had received no such validation and that I would like a validation of debt per 15 USC 1692g (  a ). 

The manager stated that the call was going nowhere and hung up on me. After 19 minutes on the phone ( 15 of which were on hold ), which is frankly just rude. 

I would appreciate if the debt collector would comply with the FDCPA. A simple mini-miranda and an agreement to send me a validation of debt would have been sufficient to proceed with the call.
Consumer complaint received 2018-05-14
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. (NC)

I have recently contacted XXXX XXXX  regarding some late payments that I do not think is right. I was making all my monthly payments on time for the 12 month period and the creditor still reported me as being late.
Consumer complaint received 2018-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have recently contacted XXXX XXXX regarding some late payments that I do not think is right. I was making all my monthly payments on time for the 12 month period and the creditor still reported me as being late.
Consumer complaint received 2018-05-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I applied for a Home Equity Line of Credit XX/XX/XXXX. My home has been paid off since XX/XX/XXXX, My credit score is XXXX. I have been told by Bank America that there is a Lien on my property that's been there since XX/XX/XXXX. I initially had a 30 year FHA Loan thru XXXX XXXX   that was purchased by XXXX XXXX XXXX, that was later purchased by XXXX XXXX. On XX/XX/XXXX I refinanced my mortgage for 15 years with XXXX XXXX who paid-off my 1st 30 year FHA mortgage ( XXXX XXXX became Bank America ). On XX/XX/XXXX I paid off my mortgage with BankAmerica. I have since had a {$70000.00}, Home Equity Loan with BankAmerica paid-off, and a car loan paid-off Both XXXX XXXX XXXX  and Bank America have been negligent In the procedure they used in handling clearing out that old {$51000.00}. I never received paperwork from Bank America when they paid XXXX XXXX off, nor did I get paperwork from XXXX XXXX showing the mortgage was paid. 
In the Superior Court of XXXX County on Book # 1240, Page # 25 is  the amount {$51000.00}. Both banks have been paid. PEASE HELP ME.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

Back in XXXX XXXX failed to properly advise me and my co signer of late payment and non issued payments and reported to the credit beaure. I was unemployed and while my co signer called, mailed and notified XXXX of his in awareness of correspondence they failed to remove the credit ding. 

My co signer was my brother with a similar name as my father, they had my father and brother mixed. It was a mess. 

Some of my private loans I have asked for proof of my signature documentation and verification because I was unaware of half of my private and Federal loans that supposedly my private college took out in my name since XX/XX/XXXX. 

There was no assistance from them after repeated calls and attempts to provide me with proof. I 've been paying since then and drowning in student loan debt without a degree to pay off over {$100000.00} in SLD {$80000.00} is privatefrom Navient,
Consumer complaint received 2021-12-01
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. (PA)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2018-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (FL)

I made a deposit into the atm at Navy Federal on Saturday. My account receipt showed an available balance of XXXX after making it. As my account was overdrawn prior to my deposit because of a transaction i made before. I used my card a few other times because the atm said i had an available balance. I found out today i did not. Called in and asked for a manager i was given XXXX. She ended up hanging up on me twice after i asked to be escalated higher. She told me she was the only supervisor and i could not speak to anyone else before hanging up both times. I called a third time and spoke with XXXX and she gave me a Supervisor by the name of XXXX. XXXX was nice and helpful as possible. I do not feel i should be punished by overdraft fees for an atm error. No where on the reciept it showed only XXXX would be available. This was an awful customer service experience. Being hung up on when asking for more help and lied to.
Consumer complaint received 2017-01-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Metro Collection Service Inc. (CO)

My ex husband and I rented a house in XX/XX/XXXX. At the end of the year I signed off of the lease and my ex signed a new lease in XX/XX/XXXX. He accrued many charges for damages and nonpayment. The landlord submitted the debt to a debt collector who in turn reported it to MY XXXX report. I asked for proof and he sent only the list of charges and the lease I had signed in XX/XX/XXXX, which was not applicable to the charges and debt. All parties understand that I am not responsible for these charges and the landlord acknowledged this as well. The original lease is NOT proof that I was on the new lease. The debt collector XXXX XXXX XXXX XXXX failed to provide proof that I was on the new lease and used to old lease to incorrectly 'validate ' the debt with XXXX XXXX This is causing me many problems with rental companies and acquiring loans. I have recently been denied an apartment on the basis that I have too much debt ( this debt ) which is related to a rental property. This is not my debt and needs to be removed from my credit report IMMEDIATELY.
Consumer complaint received 2015-04-25
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The company seems to be resisting closing my credit card. I have a Bank of America World Points Mastercard - I have made XXXX attempts by phone to close this card. The employees at the number on the card ( XXXX ). Each time the employee verifies who I am with various security questions then I am routed " to a supervisor '' which takes me out of the system e.g. to XXXX, to a busy signal, to perpetual hold so that the transaction can not be completed. I want his card closed.
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

On XX/XX/XXXX I opened a checking account at Fifth Third Bank based on an advertised promotion. On XX/XX/XXXX I met the first requirement for the promotion and from XX/XX/XXXX through XX/XX/XXXX I met the second requirement and the bank is refusing to honor the promotion. I have statements from XX/XX/XXXX through XX/XX/XXXX which show the minimum balance requirement was met for at least 60 or more days. The bank dealt with me in a deceptive and fraudulent manner by refusing to pay the promotional fee after I met the requirements. After claiming I had not yet met the minimum balance requirement as of XX/XX/XXXX ( even though I have statements showing I did meet the minimum balance ), I prolonged the life of the account to meet the requirement resulting in the bank charging me more in service charges. The wording in the banks promotional offer " minimum balance '' does not specify average or monthly. The wording does not specify when the 60 days commence or terminate. This allows the bank to interpret things after the fact to the banks advantage and is deceptive and fraudulent of the consumer. Numerous attempts to resolve this with bank personnel led to unprofessional and insulting behavior toward me and an intransigence to seeing things from the customers viewpoint.
Consumer complaint received 2022-02-02
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: EQUIFAX, INC. (TX)

I have filed an identity theft dispute with XXXX stating that I have been a victim of identity theft and have provided them a copy of my passport, Affidavit Identify Theft, and Consumer statement stating that the accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not mine, and I have not done any business with them. XXXX has refused to block these accounts from my credit profile under the law Under 15 U.S. Code 1681c2 - Block of information resulting from identity theft. I want these account deleted from my XXXX credit profile.
Consumer complaint received 2022-03-04
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)

On XXXX XXXX, 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-04
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have contacted XXXX and complained about a fraudulent account appearing on my credit report ( Capital One Bank Credit card ). I was transferred to the fraud department and they requested I submit and FTC report. Which I did to the XXXX bureaus, XXXX and XXXX were able to validate my claim and remove fraudelent account. XXXX is the only one that has yet to remove the fraudelent account. This is really affecting my personal finances as I try to keep everything in order and pay all my obligations on time. It is also affecting my creditworthiness, and I'm being rejected for housing or apartments. I already explain to them that my information has been made available to the dark web, due to several breaches. My information was breached in the XXXX XXXX, XXXX and Capital One Breach. 
This has been a real exhausting process, and a stress on my poor health. I do not know what else to provide them, to proof that I did not open said account. My next step is to go out of my pockets and get an attorney involved to help me resolved this issue. The account is Capital One business card which I never applied for.
Consumer complaint received 2018-05-14
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: EQUIFAX, INC. (NY)

This is my third attempt to receive from the bureaus requested original documented proof of a disputed 8-year old account [ XXXX XXXX ]. It appears that the account was remove, updated from the information I provided and then placed back onto my report causing my FICO score to drop nearly 40 points. Therefore, it seems I was penalized for requesting a proper investigation ; and sending me tangible proof. 

As per section 609, I should be protected from all forms of false and manipulative reporting and asking for all documents that were filled out when this account was opened, including an application and/or contract with signatures is within my rights. I contacted all three bureaus after discovering that all three bureaus had different and conflicting information about a very old account. It is clear that I was penalized for challenging an account. The amount owed was the same, which should have been the only reason my score would have to change. 

In the pass I was a victim of identity theft, I simply want the original documents to determine ownership.
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: One Source Technology (MN)

I plead " NO CONTEST '' and the disposition says " GUILTY '' and I want it changed to " NO CONTEST '' like it says in the actual original record. 

Here is the link : XXXX : XXXX? XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  " Guilty Due to No Contest Plea '' is what is says but I plead NO CONTEST because they did not allow me to take my case to trial or have legal representation. 

If you would like to further discuss the matters please contact me at XXXX. 

1. I was forced to choose between legal representation or no trial. 
2. My Attorney tried to quit XXXX month before trial you can see I was going. 
3. Judge would not allow me to fire my attorney before he wanted to quit.

4. I could not afford a private attorney.

5. All last minute.

6. I could not have a new attorney assigned to me until the old one was off my case.

7. This was not an armed robbery by definition.

8. This was an inside job.

9. Injustice happened to me.
Consumer complaint received 2022-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY (MD)

I have encountered what looks like a deceptive practice in how TD Bank runs a 0 % promotional interest rate for new purchases. The statement does not include info about the promotional rate or indicate when the rate actually ends. My request to TD bank for this information did not produce a full answer, and I ended up being charged some interest I was not expecting to be charged. The statements include an " IMPORTANT MESSAGE '' at the bottom of the first page, but it refers to a section of the payment information block that doesn't exist. All in all, I think this is rather deceptive. I wound up being charged {$51.00} in interest that I think was not properly charged.
Consumer complaint received 2020-06-05
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: WELLS FARGO & COMPANY (TX)

I would like assistance with disputing a charge on my account for {$7000.00}. It was paid to Wells Fargo Cash Wise Visa Signature Card on XX/XX/18. In total they charged me {$7000.00}. This company has not provided what I was sold, and this is because they misleadingly earned my business. I have attempted to " work '' this out with the merchant and they are non-responsive.
Consumer complaint received 2023-01-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (PA)

Today, XX/XX/23, I, a person with XXXX  and XXXX, attempted to address the issue of my account Being overdrafted. I got hung up on not once, but twice, and the third time i called back the wait was XXXX minutes. None of the workers speak English very well nor are they very understanding or sympathetic. 

Furthermore, again, these XXXX transactions in XXXX are NOT mine. The provisional credit was reversed with NO notification or communication. My account is all in disarray and they have been giving me the runaround when i am simply trying to pay what I owe! 

This is XXXX  and frustrating. I am an American citizen and want some help!
Consumer complaint received 2022-06-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (CA)

I have been trying to transfer money from my XXXX citibank account to a XXXX based currency conversion company for the past week and at this point, I have no hope. 

On Wednesday, XXXX of XXXX, I used the Citibank website to transfer money for the first time. On Thursday, I received an email saying that the bank needed more information. I called up the customer service number. The first three times I tried to call, the line disconnected after waiting 10,15, and 30 minutes. I called back later in the evening ( XXXX time ) and spent 1 hour on the phone answering security questions. The line was extremely bad and I could barely hear the woman. At the end of the process, she said the transfer would go through. The next morning, I received an email telling me the transfer had been cancelled. 

I called back yesterday ( XXXX of XXXX ) and spent another hour on the phone with a women from the fraud team who advised me to place a new transfer and call the next day to answer security questions. I made the transfer and then I called up this afternoon ( XXXX of XXXX ), as instructed. I spent another hour on the phone answering security questions. At the end of this conversation, the woman said that the transfer would go out today. Five minutes after hanging up, I received an email telling me the transfer had been cancelled and the funds returned to my account. 

I then called back customer service and asked to speak to a supervisor. I was told the supervisor would call me back in twenty minutes. After forty minutes had passed, I called customer service and once asked for a supervisor. After spending another 10 minutes answering security questions, the woman said she was transferring me to an 'associate '. I have now been on hold for over forty five minutes.

I just want to make a wire transfer and I do not understand how a company can waste someone's time like this. Please fix your procedure and let me transfer my money. This is making me want to switch banks. Many thanks.
Consumer complaint received 2022-03-04
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: Commonwealth Financial Systems, Inc. (GA)

I sent a certified letter in XX/XX/2021 for {$1400.00} for a debt validation of original documents. The company did not send the original documents requested.
Consumer complaint received 2019-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

I went to XXXX to request my credit reports. Entered all the correct information ( checked it twice ). Its really not difficult. However, the website replied that they are unable to give me the report online. Is this a scam? I need the report urgently. I am not going to mail them my information so it can get lost or stolen. Why is this allowed to occur? I thought we were trying to help fraud and identity theft yet we can not help ourselves. Really a bad process.
Consumer complaint received 2018-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BMW Financial Services NA, LLC (MI)

Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2022-06-18
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. (LA)

XXXX XXXX XXXX all accounts, XXXXXXXX XXXX XXXX all accounts, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX. All accounts has violated my rights according to 15usc1681 602 and 15usc1681 604a .I have a right to privacy and a consumer reporting agency can not furnish my accounts without my written instructions.