davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (WI)

Wells Fargo reported my home equity line of credit delinquent from XXXX to XXXX. While I did have this account, it never had a balance, so it would have been impossible to be delinquent.
Consumer complaint received 2020-02-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

Bank of America informed me their was debt charged off in 2005 for a Mastercard I never opened. I was informed by the representative it was the primary decision for my recent denial for the Bank of America Cash card with a XXXX FICO score. I am requesting the debt to be cleared from my name and reconsideration for the credit I applied for due to this inconvenience and knowledge being provided to me. I never opened or authorized anyone to used my information to obtain credit in my name in 2005.
Consumer complaint received 2023-03-29
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. (SC)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
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 2020-02-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

Citi bank closed my account for money orders issued to myself for being deposited into my checking account they invaded my privacy of the deposit of approximately 5700 dollars in money orders and deemed it fraudulent however the money has not been report as a scam and the bank contacted the sender who confirmed it was for me but the bank denied this action and still deemed it fraudulent the bank is refusing to commit are about the manner transparently they are holding the funds and they are refusing to let me be aware of what going on with my account they havent had the police to contact myself reguarding the deposit and will not release the fund to myself. The bank has said I should be implicated for the deposit and have automatically deemed guilty for the matter and have not let me speak for myself to the authorities they have a disposition to in XXXX the myself for the deposit even though the money has not been reported stolen I am being discriminated by the bank because of my XXXX and not been given a faithful benefit of the doubt or trust by the bank
Consumer complaint received 2020-02-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: ATLANTIC BAY MORTGAGE GROUP LLC (NC)

Hello, In XXXX i was behind on two payments. XXXX and XXXX of XXXX. 
I had just got divorced and took on the house with all the bills, i also have XXXX  that live with me. Then i started the loan modification process months went by. Atlantic Bay mortgage wouldn't remove my wife from the loan without proof of papers from the court. Months went by as i was playing a phone/email tag game with them. Trying to get the right paper to them. Finally i talked to a lady that asked where the second page was. I was only given the first page by the court. So in XX/XX/XXXX, i got my package in the mail to sign for a trial loan modification process for three months. 
Three months went by with me paying XXXX for XXXX, XXXX, and XXXX. 
In XXXX of XXXX i got a message from them, saying i got an approval from the under writer. My new package arrived in XX/XX/XXXX for XXXX first new loan modified payment. 
XX/XX/XXXX, i made my first payment of XXXX haven't missed a payment from the beginning of the trial to the first new mortgage payment. 
I've sent so many messages to them i can't keep count, via there website secure message center. Asking why i started getting a late fee every month out of no where. So begun the phone call wars. Every day holidays, veterans day, Saturdays. 
I would revive a call, when i pick up the line i get an automated message saying to call XXXX back asap. Ive tried talking to them but i get transferred around so many times. Ive been hung up on so many time, because people just get sick of trying to read through all the messages on my account. I'm lost don't know what to do, I'm just making my payments every month. i just finished making this months payment of XXXX XX/XX/XXXX. It states i have a late fee of over 600.00, i just make my regular payment. 
The last email i sent to them cleared all this up, i even received an email from lady named XXXX from Escalated Payment Disputes ( XXXX ) on XX/XX/XXXX saying it was all cleared up after i sent her on the XXXX of XXXX a message showing all payments from XX/XX/XXXX to XX/XX/XXXX. I did as requested by XXXX XXXX email. XX/XX/XXXX she responded. " Dear Valued Customer, thank you for contacting us. We have recieved your recent inquiry regarding your mortage account. Our records indicate the account is current the payments have been corrected. '' Month went by with no phone calls everything was great, then mid XXXX the calls started again. Stating the same problem, i still haven't missed a payment. 
I can no longer call them, i always get someone who doesn't want to deal with it. 
I get transferred then i start getting angry after waiting for so long every time i call. 
Having to explain everything from the start of what happened every time i call or get transferred for over a year now. After making the payment today i found this website at the bottom of XXXX. 
Thank you for your time
Consumer complaint received 2020-02-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: Ad Astra Recovery Services Inc (AZ)

AD Astra Recovery Service put my account as opened on XXXX XXXX. I did not Receive services from them during this time. This company is also known as XXXX XXXX for the amount of {$310.00}. they also reported this to all three credit bureaus ( XXXX, XXXX, and XXXX  ).
Consumer complaint received 2020-02-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I try to log into my chase account to fund my account and was alerted I was locked out due to suspicion activities and to call to get it unlocked I was informed its closing for no reason and it's no one who I cant talk to saying no such thing as a executive and no one will open it back up this is ridiculous.
Consumer complaint received 2020-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Today, XX/XX/2020 at approximately XXXX I was unable to use my Capital One Visa card ending in XXXX to pay my {$17.00} haircut at XXXX XXXX. 

When I returned home, I called Capital One XXXX. XXXX took my call. I asked her why was I unable to use my card and she replied, there has been a fraud activity on my card and my Visa card ending in XXXX has been restricted. I asked XXXX when was the fraud and from whom. XXXX said it happened just before my haircut purchase. I asked for more information on the fraud activity such as date and time it happened and she hung up on me. 

I called the Capital One XXXX number again and asked to speak to upper management. XXXX took my call and she transferred me to XXXX, a Manager. XXXX said XXXX did not take any notes from our call and apologized. XXXX agreed to file a complaint on her behavior. I asked XXXX to tell me when and where the fraud happened. XXXX said that a " merchant '' was compromised not my Capital One Visa card ending in XXXX. I asked her who was the merchant and she advised me that she is not allowed to tell me. I then asked her if other charges besides the {$17.00} haircut charge were declined and she said yes. XXXX told me that two charges from my health insurance company, XXXX were declined. XXXX was the merchant before today 's haircut. XXXX then asked me for my phone number so she can send me a one-time verification code to send me a replacement card. She read a disclaimer advising me that I may be charged to receive the one-time verification code. I refused. XXXX kept asking for my phone number. I kept saying that I will not give her my phone number and that she needed to send me a replacement card to the address she has on file. XXXX just kept asking for my phone number. I hung up after 4-5 requests. 

I called XXXX and asked them it they were compromised. XXXX said no - that they had no breach on my account or anywhere at XXXX. I asked XXXX if my autopay charges were declined by Capital One today and XXXX said yes, it was declined today at XXXX and no reason was provided. 

XXXX, the merchant prior to my haircut purchase today, and the only other merchant declined was not compromised. Accordingly, I was incorrectly informed by Capital One. Furthermore, Capital One has frozen my account for no good reason.
Consumer complaint received 2021-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Army and Air Force Exchange Service (GA)

Military Star Card The Exchange XXXX XXXX XXXX XXXX, OH XXXX Account Number : XXXX Name on account : XXXX XXXX I have a MILITARY STAR credit card. On XX/XX/XXXX, I paid the balance left over from {$6800.00} high balance to {$00.00}. No matter the payment amount, Military Star Card has not updated the balance on any of the 3 major credit bureaus files. On XX/XX/XXXX, the balance on this credit card was {$6800.00}. Below are the following payments I have made since, totaling {$7000.00}, yet, Military Star Card sometime known as myecp.com has not updated my credit report, indicating a reduced balance of {$00.00} since XX/XX/XXXX. This has seriously hampered my ability to acquire credit without securing it with my own money. In addition, it has dropped my credit score over XXXX points in XXXX, XXXX points in XXXX  and XXXX points in XXXX. What is being reported to all XXXX credit bureaus is that the credit card is maxed out at {$6800.00}, even today, XX/XX/XXXX, with no reflected any payments. Below are the payments that I have made. In my credit card file at myecp.com, it's reflecting the {$00.00} balance but Military Star still has not updated either of my 3 credit reports. XXXX, XXXX  and XXXX  all show that there is a balance of at least {$6800.00} as of today. 

XXXX XXXX Payment - Thank You - {$1900.00} XXXX XXXX Payment - Thank You - {$4600.00} XXXX XXXX Payment - Thank You - {$190.00} XXXX XXXX Payment - Thank You - {$190.00} Total Payments made since XX/XX/XXXX is {$7000.00} Immediately, Please have Military Star, myecp.com correct this and XXXX out the balance reflected in all 3 of my credit reports.
Consumer complaint received 2020-02-01
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I started the process of opening a Direct Savings account with HSBC on XX/XX/2020. At that time, the advertised rate on the website was 2.05 % APY. see https : //www.us.hsbc.com/savings-accounts/ After a couple of weeks, the account was approved and I transferred my funds. I got my first statement at the end of the month, and saw that my actual rate was 2.00 % APY. Around the same time, I received an email notice that the rate would be dropping to 1.85 % APY on XX/XX/XXXX, around two weeks after I opened my account. 

I contact HSBC to request that I be given the advertised rate, and they denied my request but acknowledged my complaint. The terms on the website state that " APYs are variable and subject to change after opening. '' However, given the cost, both in time, and potential fees, it seems unethical and unfair for the bank to change the rates so soon after the account is opened, and by such a large amount ( a 10 % reduction in the rate!! ). 

Had I known that the rate would change so suddenly, I never would have gone through the time and effort of opening the account. 

Further, there is a charge for closing the account within 180 days of opening it : " Account Closing {$25.00} If your account is closed within 180 days of opening. '' Additionally, as of the writing of this report, the rate displayed on the HSBC Direct website is 2.00 %, but according to the email that I received, the actual rate that a new customer can expect is 1.85 %, which is apparently false advertising. If HSBC knows that they will be changing the rates in the coming weeks, they should be required to change their advertised rates to reflect what the customer will actually receive.
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (FL)

The corporation continues to practice securities fraud as they have not returned any of my monthly dividends to me and they are also committing tax invasion by not paying the taxes on the funds they are receiving. The trustees, indenture trustees, CFO, CEO, parent company, and its affiliates are committing organized crimes ( XXXX ) by knowingly committing the previously mentioned offenses. The above has been occurring since the inception of my accounts, but I just realized this recently.
Consumer complaint received 2021-02-13
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 contacted Equifax on numerous occasions about a Bankruptcy Acct # XXXX that they are reporting on my credit report. I have sent them letters in the mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to have this inaccurate and unverified Bankruptcy Acct # XXXX removed from my credit report. This same account has already been removed from my XXXX credit report and my XXXX credit report. Each time I have contacted Equifax I have asked them how are they able to verify this account. Each time they respond they do not tell me how they have verified the account. I have also sent Equifax a copy of a letter from the court which states that they do not share any information with credit reporting agencies. I have also received a letter from XXXX stating that they can not verify the Bankruptcy account # XXXX and that it has been removed from my credit report. If XXXX and XXXX can not verify this Bankruptcy how is Equifax able to verify the Bankruptcy and where are they getting the information. I demand that this Bankruptcy account # XXXX be deleted from my Equifax credit report.
Consumer complaint received 2022-02-15
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: EQUIFAX, INC. (IL)

XXXX is not providing me with a signed by me copy of bill stating i owe this amount a signed copy is needed by XXXX also a copy of XXXX
Consumer complaint received 2018-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (PA)

Debt was paid to original creditor before debt should've been sent to the collector.They added the account to my credit report on XX/XX/2018 and I want it removed from all reporting agencies. Confirm with the original creditor XXXX XXXX.
Consumer complaint received 2018-04-19
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (MI)

On my credit report, it shows my XXXX XXXX Account as a " Charge Off '' which significantly impacts credit report, and ability to get a new car. 

I have paid on time, everytime on this account. 

It even reflects that on the report, but the " Charge Off '' on the report results in automatic denial, and has put me in a difficult situation. 

Ally refuses to change this, through direct contact or credit report disputes. 

They have even transferred the debt to a shady collection company in XX/XX/XXXX and shut off access to my account on Ally.com, I've made the payments to this company and they're reflecting as paid but still the Charge Off remains.
Consumer complaint received 2020-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

To Whom It May Concern : I am complaining in two parts, firstly XXXX  XXXX is reporting incorrect and defamatory information to the credit bureaus. The account was paid off with a settlement from XXXX due to the car being totaled. According to XXXX  XXXX and the 3 credit bureaus the account was written off, which is absolutely incorrect. I have submitted documentation of this, indication of total loss letter by XXXX. This is a violation of the fair credit reporting act. 

I am requesting intervention in this matter. I am also requesting assistance with XXXX XXXX and the erroneous information they are refusing to correct it as well. 

I sent information to them 2 years ago informing them I did not reside at this apartment for the timeframe they indicated. I sent usual receipts and documentation. I need to know if I need to file a report with the courts to assist me in this matter. I am not paying for something in which I moved out and did not reside at.
Consumer complaint received 2020-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

To Whom It May Concern : I am complaining in two parts, firstly capital one is reporting incorrect and defamatory information to the credit bureaus. The account was paid off with a settlement from XXXX due to the car being totaled. According to capital one and the 3 credit bureaus the account was written off, which is absolutely incorrect. I have submitted documentation of this, indication of total loss letter by XXXX. This is a violation of the fair credit reporting act. 

I am requesting intervention in this matter. I am also requesting assistance with XXXX XXXX and the erroneous information they are refusing to correct it as well. 

I sent information to them 2 years ago informing them I did not reside at this apartment for the timeframe they indicated. I sent usual receipts and documentation. I need to know if I need to file a report with the courts to assist me in this matter. I am not paying for something in which I moved out and did not reside at.
Consumer complaint received 2020-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HW Holding, Inc (NY)

To Whom It May Concern : I am complaining in two parts, firstly XXXX  XXXX is reporting incorrect and defamatory information to the credit bureaus. The account was paid off with a settlement from XXXX due to the car being totaled. According to XXXX  XXXX and the 3 credit bureaus the account was written off, which is absolutely incorrect. I have submitted documentation of this, indication of total loss letter by XXXX. This is a violation of the fair credit reporting act. 

I am requesting intervention in this matter. I am also requesting assistance with hunter warfield and the erroneous information they are refusing to correct it as well. 

I sent information to them 2 years ago informing them I did not reside at this apartment for the timeframe they indicated. I sent usual receipts and documentation. I need to know if I need to file a report with the courts to assist me in this matter. I am not paying for something in which I moved out and did not reside at.
Consumer complaint received 2023-03-28
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: EQUIFAX, INC. (FL)

TODAYS XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX XXXX XXXXXXXX XXXX, Texas XXXX XXXX Consumer Solutions, XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA co

uldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.

I look forward to an expedite resolution of this matter Thank you.

SANDS, MICHAEL SOC SEC # 59XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX FL XXXX
Consumer complaint received 2021-11-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Corporation of America (AR)

I sent a letter to RMC of America specifically asking them to verify debt with breakdown of fees including any and all collection cost and medical charges. I ask for a copy of my signature with the provider of service to release medical information. I was told that they could not validate because the place of service has been closed for years. RMC of America is a place of business and DO NOT have proof of validation. They are violating FCRA and FDCPA laws.