davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cooling & Winter LLC (GA)

A garnishment suit and was taken against me about a debt from XX/XX/XXXX to XXXX that I never knew anything about. An email do the suit was sent to me from my employer In early XX/XX/XXXX about wages being garnished on next pay check. Claim was taken out from Cooling & Winter LLC who claim that they couldnt give me much info because I obtained counsel from my employer which I nor my employer knew nothing about. To gain anymore info about the debt, I reached out to XXXX XXXX XXXX who gave me as much info as they could. Firm representative XXXX told me the debt was from XX/XX/XXXX and payments were made up until XXXX. The debt is almost 20 years old and I dont believe it to be mine.
Consumer complaint received 2023-06-26
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. (FL)

I was reviewed my credit report I notice there's some inaccurate item on my credit report. I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. Please remove this inaccurate information. According to the 15 U.C.S 1681 there should not be any damage on my credit report it's defamation to my character.
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NV)

I deposited a check in the amouunt of {$7300.00} on XX/XX/23 into Wells Fargo Bank from XXXX  XXXX XXXX. 

Wells Fargo said that the funds were Insufficient and they needed to hold the check until the XXXX of XXXX. 

My Client said that the funds were taken out last night. When I called Wells Fargo Back and talked to a Supervisor, XXXX, she said the the money is taken out of the account and put into another account where verification is done. It was the second account that said insufficient funds. 

I was under the impression that if the money is debited from an account it should be credited to the account requesting it. 

However, I can not wait until the XXXX to pay for it. I can not tell my bill collectors.. '' sorry you'll have to wait until the XXXX ''
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Upgrade, Inc. (FL)

I believe the account is invalid. UPGRADE INC needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.UPGRADE INC XXXX
Consumer complaint received 2021-12-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (FL)

I C system and XXXX XXXX XXXX is a company i never did business with. Also they have the wrong address on file for me. I have sent latters and asked them to send me documents that we ever did any buiness and they failed to do so. 
These creditors did NOT provide the balance they say I owe with proof of payments up to the balance date, did not explain and show me how they calculated what they say I owe, provode me a verification of the copy of any judgement if applicable, identify the original crediotr, prove the staue of limitations has not expired on that account and provide me with their license numbers and registered agent or agent of service.
Consumer complaint received 2021-12-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stallings Financial Group, Inc. (GA)

While checking my credit scores, I noticed a HUGE drop ( 44 points ), in my XXXX credit score report with a collection from XXXX XXXX for {$68.00} dollars saying the account was opened XX/XX/XXXX, but no further details were available. I noticed this around the middle of XXXX, after my credit chart showed XX/XX/XXXX, was when my score dropped. I had absolutely NO clue what this was from or why it was showing on my credit score. I could NOT see any other information regarding this collection until three or four weeks later. I was then able to see it came from XXXX XXXX XXXX XXXX. I NEVER received any bills, invoices, phone calls, voicemails, emails, or paper mail in any format from XXXX XXXX or XXXX XXXX regarding this. I called XXXX XXXX XXXX XXXX on Wednesday XX/XX/XXXX, at XXXX XXXX. with the knowledge that they open at XXXX XXXX. I immediately got sent to voicemail and hung up. I called back right after, at XXXX XXXX. to once again be sent to voicemail. I left a detailed voicemail the second time inquiring about this collection/ bill and asked to have a call back. I still have not received a call from them.
Consumer complaint received 2021-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

CAPITAL ONE has refused to remove this charged-off account from my report. This account contains a finance charge which is the sum of all charges. This account was paid in full when my credit card ( social security card ) was obtained by this company. Therefore, this account can not be consider late at any time. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-12-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XXXX XXXX 2021 I had a fraudulent charge on my debit card through Bank of America for an approximate amount of {$1400.00} which took place in Nevada. The company that took the money out of my account without my authorization/permission is called XXXX XXXX . I had contacted the bank numerous times and not a single person helped. I did file a dispute and they told me I made the charge and there was nothing they could do. I do not and have never traveled to Nevada as I live in Michigan. Bank of America has never shown proof nor documents stating that I purchased this ticket and will not refund me my money.
Consumer complaint received 2021-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I acquired a loan XXXX 2021 with XXXX XXXX XXXX. I attempted to no avail to have my account balance updated on my credit report in XXXX, so I refinanced with XXXX XXXX since they were being unprofessional. The loan has been paid off, I have made the first payment to the new lender, XXXX XXXX, and still XXXX XXXX XXXX has NOT closed the account. They always respond they're in the process and XXXX  has gone along and that's why the balance reflects XX/XX/ 2021. Now it looks like I owe almost $ XXXX for a car I only owe $ XXXX and some change. Please, please help. XXXX XXXX XXXX has tanked my credit and refuses to close their account, they're always in the process of doing so.
Consumer complaint received 2021-08-25
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: Southwest Credit Systems, L.P. (CA)

This complaint is about Southwest Credit System XXXX XXXX XXXX XXXX.

I have spoke with Southwest to try and solve this issue on my credit report and have had no luck.When I spoke with them I ask them where did they send the collection notice and the told me some crazy address I said that not mine. After arguing with them I said I would just paid this to have it remove from my credit report and then they refuse to do a paid for deletion which is crazy to me that they wouldnt do it. I mean first they have not sent me any notices saying I owe this bill second they didnt even call me to inform me of this. I guess now people can just send you to collections without contact now. I would have paid before it went to on my report but was NEVER inform of this. I was willing to paid for deletion now i feel it should just be deleted because of their negligence and unwilling to do a paid for deletion.
Consumer complaint received 2021-12-11
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (GA)

I, the consumer and natural person was denied credit by Citibank , N.A . when I applied for an ExxonMobil Credit Card. Pursuant to federal law, I can not be denied credit. 

Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Citibank violated 15 U.S. Code 1642, 15 U.S. Code 1602p and 15 U.S. Code 1691 and 15 U.S. Code 1681a.

Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Citibank N.A., violated 15 U.S. Code 1642 violate federal law because I made an application, but credit was not issued. Citibank , N.A . denied me credit. 

Fact, affiant is aware and has proof in pursuant to 15 U.S. Code 6802, Citibank , N.A . may not report my nonpublic personal information as this statement confirms my request to OPT OUT. This means, I am requesting all inquiries and any other information regarding my relationship with Citibank, N.A., be deleted permanently from all consumer reporting agency databases including but limited to XXXX, XXXX, XXXX and XXXX XXXX. 


Fact, affiant is aware and has proof in pursuant to 15 U.S. Code 1681m, I can not be denied credit by Citibank , N.A . 

Fact, affiant is aware and has proof pursuant to 15 U.S. Code 1605 that a finance charge was involved because my social security number was used. 

Fact, Affiant is aware and has proof pursuant to 15 U.S. Code 1602 that the use of my credit card ( social security card ) in this consumer credit transaction ( application for credit ) is unauthorized use because I received no benefit. 

Fact, affiant is aware and has proof pursuant to 15 U.S. Code 1681b that Citibank fraudulently obtained my nonpublic personal information from XXXX because I did not provide either corporation with written instructions to furnish my consumer report to Citibank. Also, I did not provide Citibank with written instructions to retrieve my consumer credit report. 

Fact, Affiant is aware and has proof pursuant to 15 USC 1611, Citibank is criminally liable for violating 15 USC 1602 and 15 USC 1605 because I received no benefit. Also, a finance charge was involved in the consumer credit transaction I initiated on XXXX XXXX, 2021 but there was no mention of a check being mailed to me, the original creditor, for a finance charge in the adverse action letter I received on XXXX XXXX, 2021. 

Fact, affiant is aware and has proof pursuant to 15 USC 1681a, Citibank, N.A., can not deny me the credit I requested.
Consumer complaint received 2021-12-11
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. (NM)

In the previous letters I have requested the investigation of the elements that do not coincide and the elimination of them, taking into account the fair credit law, which states that I have the right to be informed of the status of my account and the report of the accounts must be 100 % accurates
Consumer complaint received 2021-08-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (TX)

... As like last year some XXXX XXXX sent a collection notice to collect {$50.00} for my Safety Deposit Box - and as I said in the litter last year - which XXXX XXXX employee ( no name on collection form ) is trying to XXXX the XXXX  year ole XXXX veteran out of a service that it was a gift from Chase because of my service - now the XXXX XXXX ( letter sender ) is threating to open my box and saying my payment is 303 days over due ... ... ... 
... ... ... .so was I lied to and deceived an now your threating to ruin my credit - if any collection or credit bureau has been notified I want all information retracted - real nice way to respect a XXXX veteran
Consumer complaint received 2021-06-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (CA)

I would like to report this collection company to the Consumer Protection Bureau For their unlawful credit reporting practices. I called the collection company in my social security is not even in their sister but yet they have been reporting collection account in the amount of {$4400.00} that has never been validated because I never received a 30 days notice by law that they are required to send to all consumers. I would like to ask them to provide me with contract with my signature what this dollar amount is for and why they did not notify me prior to reporting it to XXXX XXXX, and XXXX.Just to clarify I am a XXXX of XXXX XXXX XXXX and my husband passed away at age XXXX from XXXX. I only have XXXX and I'm waiting for XXXX XXXX to approve me for XXXX. I can not get low housing because of my credit that is destroyed by this collection company. I'm a XXXX woman and my rights are protected through the XXXX XXXX.
Consumer complaint received 2019-10-09
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. (CA)

I have credit reports paid for since 1994 the data breeches from the major credit reporting agencies are at fault trying to correct the issues every time credit has been denied for no valid reasons, action were to make a statement on the credit report as follows : I do not make any payments for any financial obligation myself, I trust in my Spouse that has paid all financial obligations since marriage, Because l have limitations that do not allow me to perform these duties as I should.
Consumer complaint received 2021-08-25
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. (TN)

Several fraudulent accounts appear on my credit report and I have no knowledge of these accounts. I have tried several procedures to have these accounts deleted from my credit report because I didn't know the proper steps to take these fraudulent accounts off my credit report so the information just remained on my credit report. I have contacted these companies directly about these complaints. They did nothing. I even considered paying collections off through collections agency departments in hopes that specific accounts would be deleted. These negative accounts should be deleted immediately from my Experian credit report. 

Negative Accounts : 1. XXXX XXXX XXXX / XXXX XXXX XXXX - {$2100.00} on XX/XX/XXXX, 2. XXXX XXXX XXXX XXXX XXXX XXXX  - {$180.00} on XX/XX/XXXX, 3. XXXX / XXXX XXXX - {$1300.00} on XX/XX/XXXX, 4. XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX{$1000.00} on XX/XX/XXXX 5. XX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXX {$560.00} on XX/XX/XXXX, 6. XXXX XXXX XXXX XXXXXX/XX/XXXX {$1100.00} on XX/XX/XXXX, 7. XXXX XXXX / XXXX XXXX XXXX XXXX. {$800.00} on XX/XX/XXXX, 8. XXXXXX/XX/XXXXXXXX {$330.00} on XX/XX/XXXX It is also a host of fraudulent hard inquiries as well listed below : 1. XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX, 2. XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX, 3.XX/XX/XXXX - Inquiry date : XX/XX/XXXX, 4. XXXX XXXX XXXXXX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX, 5. XXXX XX/XX/XXXXXXXX XXXX XXXX date : XX/XX/XXXX, 6.XX/XX/XXXX - Inquiry date : XX/XX/XXXX, 7. XXXX XXXX XXXXXX/XX/XXXXXXXX - Inquiry date : XX/XX/XXXX, 8. XXXX Inquiry date : XX/XX/XXXX, 9. XXXXXX/XX/XXXXXXXX XXXX Inquiry date : XX/XX/XXXX 10. XXXX Inquiry date : XX/XX/XXXX 11. XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry date : XX/XX/XXXX 13. XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX Inquiry date : XX/XX/XXXX 15. XXXX XXXX Inquiry date : XX/XX/XXXX These accounts should be deleted immediately from my credit report immediately.
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (PA)

OVER THE LAST 4 MONTHS I HAVE SENT OVER FAX AND EMAIL TO EQUIFAX AND GOT NO WHERE IM IN THE MIDDLE OF BUYNG A HOUSE SENT OVER 18 PAGES OF DOCUMENTS LIKE DRIVER LICSE AND SOCIAL SEC CARD AS WELL PRVE ITS ME WITH MY CREDIT CARDS AND XXXX  I DO HAVE CREDIT W XXXX  AND XXXX
Consumer complaint received 2021-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Security Credit Services, LLC (SC)

Security Credit Services XXXX XXXX XXXX XXXX MD XXXX On XX/XX/2021, Security Credit Services added a derogatory mark on my credit profile per XXXX XXXX in the amount of {$370.00}. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt creditor did not verify collection. Also, there was NO written form of communication for contract or signature for the accused debt at all.
Consumer complaint received 2019-08-06
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

On XX/XX/XXXX I requested that Equifax investigate the XXXX XXXX ( account number:XXXX  ) that is reporting on my credit report. According to the results I received from Equifax and my Equifax credit report the account was last updated XX/XX/XXXX. This means that Equifax has never conducted an investigation when I disputed the account. This is a violation of the FCRA
Consumer complaint received 2024-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC. (CA)

On XX/XX/XXXX, I called OptumBank customer service to reissue a new XXXX card in replacement for one that had expired. I was told I would be sent a new card, and I did receive it not long after. 

However, I also received a check within 9 days of this phone call with the balance of the account ( approx. {$3200.00} ) with a notation that the account was closed. 

When I noticed this activity this month ( I did not notice the check in a pile of unopened mail, assuming it was simply about my new card ), I was told via phone agents that I actually had called twice on XX/XX/XXXX, once to order a new card, and once to close the account. 

Which is baffling, considering I did no such thing. I was told two different reasons why this supposedly occurred : one representative said I did so and requested a check rather than use ACH to close the account. Another representative said I called to cancel and perform a rollover. 

In any event, this is patently untrue. I know well the tax implications of taking a distribution from an XXXX, and thus I would not close the account. 

I would like my account re-opened and the funds re-distributed to my account. I have not cashed the check Optum sent for this distribution. 

Given this absurd history, I may well close the account this year just to get away from Optum, but that will be after I make proper distributions on my own for qualified expenses. Thanks, XXXX
Consumer complaint received 2021-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Information pertaining to student loan accounts ending in XXXX are to be excluded from my consumer report. 

15 U.SC. 1681 ( a ) ( 2 ) 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; The term financial institution as outlined in 15 U.S. Code 6809- ( 3 ) Financial institution ( A ) In general The term financial institution means any institution the business of which is engaging in financial activities as described in section 1843 ( k ) of title 12. 

15 U.S.C 1681a ( ii ) ; states a consumer reports does not include any report containing information solely as to transactions or experiences between consumer and the person making the report. Consumer reports are also not to include any authorization or approval of a specific extension of credit ( student loans ) directly or indirectly by the issuer of a credit card. 

XXXX whom is the student loan servicer had disclosed the account balances as well.
Consumer complaint received 2021-12-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (TX)

Over a month ago, I exited the COVID-19 forbearance into a COVID-19 Payment deferral arrangement. I then asked to have the repayment of the escrow shortage from COVID-19 forbearance spread out over 5 years ( 60 months ) given this can be done. This is not yet done.