davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-18
Product: Credit card — 
Issue: Billing disputes — 
Company: One Technologies, LP (MD)

This fraudulent company wrongfully charged my visa card ending in XXXX in the amount of {$39.00} on XXXX/XXXX/15 despite my having already called in 2 days prior to cancel on XXXX/XXXX/15 to cancel the ongoing membership with them before the next billing cycle began. I spoke to " XXXX '' on XXXX/XXXX/15, who went from stating he can help me with my cancellation, then in a desperate effort to keep me from canceling, holding on the phone for XXXX minutes, barely allowing me to speak. After XXXX minutes, XXXX finally told me that he had processed my cancellation request, sent me an email confirmation for the cancellation. Concerned about ongoing fraudulent billing practices and charges to my credit card, XXXX assured me that my card would not be billed any longer. 
I received the cancellation confirmation number : XXXX on XXXX/XXXX/15 indicating my membership had been cancelled. However, when I checked my XXXX XXXX checking account I discovered XXXX/One Technologies, L.P. had charged my XXXX card ending in XXXX in the amount of {$39.00} on XXXX/XXXX/15. Not only had this company billed me for ongoing service after cancellation, but they had the audacity to immediately restrict me from logging in and accessing the account. How dare you cancel my account and continue to bill me and then deny me access after you 've charged me for the whole month. Naturally, I assumed I would still have access to the account until the end of the month, being as though they had charged me already for the month of XXXX, but to my surprise and dismay they had restricted and denied any and all log-in and access to the account. How dare you. You charged me for the whole month, so I still have the right to access. I am disgusted and appalled by this scam company. They seem to take it personal, real personal when you choose to cancel your membership. They encourage, train their reps to aggressively bombard, burden, annoy and hold you up on the phone for upwards of 30 minutes by trying to distract and discourage and ultimately keep you from cancelling the expensive unimpressive, unsatisfactory services in hopes that they could persuade or should I say pressure you to choose XXXX of the for the exact same or similar, more appealing services for free or at a fraction of the cost, price it should have been at in the first place. What ever happened to just simply honoring the consumer 's request. I called you to cancel services. Period. Nothing less. Nothing more. They are hiding behind misleading advertising and false misrepresentations.
Consumer complaint received 2022-10-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Foursight Holding LLC (KY)

Hello Forsight Capital is saying that I owe them {$11.00}, XXXX. I am concerned about this because I don't believe that I owe them anything. I am a victim of XXXX  XXXX. Around the time that they say I signed a loan I was under duress and under the influence of XXXX  and XXXX  just to be able to cope with being forced to XXXX XXXX XXXX. I truly don't remember signing for that car. I truly apologize for the inconveniences but I don't know if this company is a legit company because I Foursight said that they sold the account and it shows Charged off on my credit report. So I don't know what is going on. Please can Forsight Capital send me the ORGINAL binding contract signed by both parties & a witness in WET INK signatures? As well as show me the TWO forms of my identification that is needed to obtain a loan and can therefore prove that I was the one getting the loan? I also need the legal name of the company who owns the loan because it's not Forsight Capital. Please send me the ORGINAL binding contract Via third party by CERTIFIED MAIL and/ by the sheriff or CFPB
Consumer complaint received 2021-10-28
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on LVNV FUNDING LLC. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2022-02-06
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: Experian Information Solutions Inc. (TX)

I have tried to report fraud on several hard inquiries, even inquiries on accounts that were removed and the inquiries still remaining. I did not authorize the hard inquiries and I want them removed. I am only asking for fraudulent and false inquiries to be removed.
Consumer complaint received 2021-10-28
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. (FL)

I previously requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. Your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested.This is a request under FCRA 611 ( a ) ( 7 ) Description of reinvestigation procedure by your bureau in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ). A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete the items, as originally requested. XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX CT FL XXXX XXXX.
Consumer complaint received 2019-10-08
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Jim Bottin Enterprises, Inc (NY)

On XX/XX/2017 I cancelled my gym membership with XXXX XXXX. Cancellation confirmation was provided in writing by XXXX and a copy was provided to ABC Financial. Attached with this complaint for your records and investigation into ABC Financial is a XXXX dated email and confirmation of cancellation letter confirming the gym membership was cancelled. Despite the fact that this cancellation was confirmed, ABC financial contacted me by telephone and harassed me with collections notices demanding payment for a cancelled and confirmed gym membership. ABC Financial called me repeatedly and did not stop calling after I advised them to stop. Emails notifying ABC Financial where consent was revoked ( See XXXX XXXX v. XXXX XXXX XXXX ), which includes the Federal Trade Commission being copied on email as well. Consent revoked is an absolute violation of the TCPA. I've also included voicemail messages with this complaint that clearly shows calls were made after consent was revoked. 

ABC Financial attempted to collect debts that were not owed and threatened to take actions that can not legally be taken. In addition, ABC Financial failed to send a notice summarizing debt within 5 days of my written communication.

In sum, ABC is LIABLE under state and federal law, for violating the FDCPA, TCPA and FCRA.
Consumer complaint received 2018-08-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (MO)

On XX/XX/2018 I sent certified mail letters with return receipt to the collection agency Commonwealth Financial to validate the alleged debts that were on my file. This company is attempting to collect debt on several collection accounts on my file. The accounts are as followed : Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX The company sent back the return receipt with a signature. The company failed to validate the alleged debts. It has been over 30 days and I have received no response from the company to this day. The collection agency failed to complete the Validation process. Please be advised that I am disputing these collections due to the fact that Commonwealth Financial currently does not have a valid license in the state of Missouri to collect on debts. I checked the Missouri state secretary website and the information for the company states that their license is currently Admin Dissolved - Profit according to the Missouri secretary of state. 

I am requesting that you investigate this matter and delete these accounts from my file immediately. I specifically asked for a signed agreement and other supporting documentation and I have not received a response from Commonwealth Financial validating these alleged debts. They are reporting delinquent information to the credit bureaus that I am asking be deleted.They failed to validate these alleged debts. If these collections are not deleted I might sue for violation of the FDCPA.
Consumer complaint received 2018-01-08
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (GA)

There is an acct from XXXX XXXX and XXXX XXXX XXXX that was removed from all 3  credit reports then popped back up on them. I have asked Equifax , XXXX XXXX and XXXX.  I have asked for validation of these Accts and they refuse to validate as I requested.
Consumer complaint received 2022-02-06
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: Experian Information Solutions Inc. (TX)

This is regarding the failure to properly investigate the tradeline reported by XXXX in accordance with the FCRA. 

Please see ALL attached documents and the facts below. 
FACTS : XXXX states that the account that they are reporting was created in XX/XX/XXXX. 

XXXX did not have a correct email address or phone number on the account for me but the account was in my name. I never knew the account existed. 

I rented the XXXX XXXX XXXX XXXX XXXX out to tenants in XX/XX/XXXX- XX/XX/XXXX. 

My residence address on my driver 's license did not change in XXXX of XXXX. XXXX did not obtain a copy of my drivers license from me. 

The address change on my driver 's license took place 17 months after an account was created with XXXX. This still does not validate the account ever being authorized. 

The facts are XXXX does not have any copies of identifying information to verify that I authorized an account with them and the biggest red flag is the amount of research that they seem to do on the back end but little to no research when creating an account. It does seem that XXXX should utilize their research up front to avoid unauthorized accounts being created.
Consumer complaint received 2022-02-06
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: Experian Information Solutions Inc. (PA)

his dispute is regarding my payment history and credit reporting. I'm was the under the impression that I was on a repayment plan by agreeing to this plan I was not informed that my credit would be impacted. I reached out several time regarding this matter and was told that the issue was going to be rectified. 

I attached my repayment plan.
Consumer complaint received 2022-02-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION XXXX MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a Bank of America Premium Rewards credit card. Last year I received reimbursement for airline incidentals. I charged baggage fees this year using that credit card. When I received my May 2023 statement after using the card to make the charges, I did not see any credit issued. I contacted a representative at the bank who told me that reward isn't available. I then contacted my financial planner at Merrill Lynch. I spoke with the liaison to Bank of America. She told me that the card still had a {$200.00} annual credit towards airline incidentals. I then asked her why I did not receive the credit. On XX/XX/2023 she informed me that the airlines I flew on ( XXXX XXXX and XXXX XXXX ) were not participating airlines. I was never told that all certain airlines qualified for the incidentals credit. Had I known that I would have purchase a fare that included a checked bag which overall would have been less costly than purchase the basic economy fare and then paying extra for a checked bag.
Consumer complaint received 2022-02-06
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: Experian Information Solutions Inc. (AL)

I have had a fraud alert on my credit for the last 3 years or so. I have contacted all the bureaus to have it removed. XXXX and XXXX removed the alert with no problem. I have tried removing the alert from my credit for the last 6 months with experian and they will not remove it. I just tried on XX/XX/2022 again. I submitted my documentation electronically and still have not received a response. They do not give you a confirmation number or tracking number for your claim. I have tried calling multiple times with the various numbers they have but you can only communicate with the automated service. This is really frustrating. I have missed out on different credit cards and even refinancing my home. Please help me.
Consumer complaint received 2022-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have submitted to successive disputes over the past 2 months requesting Transunion to update my credit report to reflect that an auto loan with XXXX XXXX XXXX XXXX be updated to show that account is settled and paid on full. On both disputes Transunion stated that their assessment of the account being open was correct. The account was closed on XXXX XXXXXXXX of 2021. Both XXXX and XXXX correctly reflect the account as settled and closed. I called the credit union [ ( XXXX ) XXXX ] to verify the account shows as closed and they have verified. Transunion refuses to contact the bank with my account information to verify after 2 months of submitting disputes to have my credit report updated. 

I have uploaded proof from XXXX XXXX XXXX XXXX showing the loan is paid in full.
Consumer complaint received 2018-04-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America reported on XX/XX/14 suspected fraud activity but I didn't do anything except take a check from someone but me and the person didn't know the account was closed till the bank told me and I tried to tell the bank I didn't know the person account was closed till 5-6 days later compared to when she wrote the check I did not know if the account was closed or open.
Consumer complaint received 2023-09-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (CA)

I received a letter ( XX/XX/2023 ) that my wages would be garnished. I never had a warning, court date, trial date, information about a debt at all. My XX/XX/2023 check was garnished by {$2100.00}. I called the XXXXXXXX XXXX XXXX and spoke with XXXX XXXX who said it was a Wells Fargo account for an outstanding judgement for {$5400.00}. 

I do not have a Wells Fargo account. This is Fraud. This company is in violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2022-02-06
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. (AE)

I have went on Experian once a month for the past XXXX months explaining the old addresses on my credit report. I have not lived at some of these addresses for over 10 years and have constantly asked to take them off. They continue to update and leave FIVE or more addresses that I no longer live.
Consumer complaint received 2022-02-06
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: Experian Information Solutions Inc. (IL)

I noticed discrepancies on my account last year and contacted the reporting agency. There is an account i've asked four times to be investigated. Even filed a CFPB complaint and they removed it but put it back on with updated spelling. I am disgusted. 

I sent a letter XXXX2021, XXXXXXXX,XXXX.2021, XXXX, XX/XX/2021, and XX/XX/2021. 

The charge off from XXXX XXXX remains on my report and with conflicting reporting. I want it DELETED. 

The account number is missing, high credit amounts are different, date of last payment and active is different, payment history is different. If its the same account and they both investigated HOW is the accounts reporting differently.
Consumer complaint received 2021-10-28
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: Santander Consumer USA Holdings Inc. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on SANTANDER CONSUMER USA. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2022-02-25
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Collection Solutions Inc. (TX)

XX/XX/XXXX : -I received a letter stating that a judgment was filed against me for a car dispute with XXXX car rental. I had no prior knowledge about this judgment. This was the first time hearing about this " default judgment '' of {$1100.00}. I had rented a car from XXXX in XXXX and settled a dispute over a minor scratch on the rented vehicle. 

- As directed in the judgment letter, I contacted the lawyer using the number listed on the letter ( XXXX ) XXXX. The receptionist on the line seemed confused about my case number, and when requested to speak to XXXX XXXX XXXX I was transferred to XXXX XXXX, the Office XXXX. I asked XXXX XXXX how to confirm XXXX XXXX was a lawyer and she told me to " XXXX him ''. I also asked how to look up where this judgment was filed and she said she didn't know that information. She told me I had to pay or a judgment would be submitted. However, the letter indicates that a " default judgment was entered against [ me ] in favor of our XXXX XXXX, XXXX in the amount of {$1100.00} ''. She requested I pay over the phone or send a check or money order. If I paid over the phone I would have to record my credit card number. I was unsure at this point if this was a scam so I said I would send a check in a month. 

- After this call, I located XXXX XXXX XXXX 's bar association number and contact information. I called him to confirm he had filed a judgment against me or would if I didn't pay. During our conversation, he said that had received multiple calls about similar judgment letters, that he was not associated with the contact information listed on the address, and that this company was using his name without his permission on these judgment letters. I emailed him the judgment letter on XX/XX/XXXX to confirm he is not associated with the " case ''. He responded on XX/XX/XXXX stating there is no judgment " as far as he knows '' against me and that he requested the judgment file from the office XXXX XXXX is associated with. He also directed me to ignore the letter until this can be confirmed. 

- Using the legal support team through my employer, I explained the aforementioned events. I was advised not to pay and to check my credit to ensure no judgments had been filed against me and to file a fraud report. 

- I checked my credit report with the XXXX credit bureaus to confirm a judgment was not filed against me. As of XX/XX/XXXX, no judgments have been filed against me as reported by the XXXX credit bureaus. 

XX/XX/XXXX : - I was contacted by the email from XXXX XXXX from the email address XXXX on XX/XX/XXXX. The email requested the full amount and was signed by XXXX XXXX and stated they previously called me to collect this money.
Consumer complaint received 2022-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX who took over my mortgage from PHH Mortgage is trying to extort money from me {$360.00} for insurance coverage ( XXXX ) even though I have insurance with the same company, XXXX XXXX on the property from XXXX. I have it with the same insurance company. This is double coverage which is not needed. I provided them proof! No one answers the phone-its a recording m! 

Ever since XXXX took over they have been committing FRAUD!!!