davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-05
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (CO)

Icalled to set up payment arrangement for my vehicle. They had been calling but I was not happy about the arrangement. So called back and spoke to XXXX. She told me should would help me and give me a few days and to call her back once they figured out how to take the account lock off of my bank account in there system from a reversal payment so I could schedule a payment again. The payment was not reversed from my bank. It was reversed from them after I made a double payment by mistake but I had no clue it would lock my current bank account preventing me to pay online or by phone. She told me she would call me back once she could sort it out and get it unlocked. I then called her back approx. 3 business days later and had to re explain everything all over again. This is the 2nd or 3rd time I 've talked to her since I 've had my loan since XXXX 2012. On this phone call and I believe another year she asks me well how were you going to pay it then? Why did n't you have it last week. Well that means you did n't really have it then. I am like I though you were going to make arrangements for me and now you are grilling me as if I 'm in a court room of law. She continued on with well what did you spend it on so if you would n't of bought food or paid for brakes you really still would n't had the money because you just said you would only have XXXX dollars left if you made the payment. So again either way you did n't have the money right? I 'm taken aback because I 'm a single mom of XXXX kids. The rent in Colorado has increased by XXXX % she lives in Colorado its been all over the news that it is a real struggle for all of us. I already stated I had no choice but to get brakes and used tires btwx a specific time period because its winter time and my job is XXXX miles away. She would n't let up and at this point you almost feel in fear and or obligated to say no because my kids also need to eat I would n't have the money in order to make sure she would schedule my payment out for a mere 3-5 more days. Keep in mind the utilities are higher in the winter also. Either way I 'm contact you all to see if these practices are legal. At XXXX years old I do n't feel I have to explain where my money is going or feel demeaned or inferior. On top of that I pay the late fee every month but yet they 're still telling me I 'm 30 days late on the late fees? Really? Please let me know what if any options I have on the asking me so you really do n't have it she said even if the payment would 've went through what would I have done there after with no money? I told her you cant be asking me that. That is not your concern what happens there after. Either way if they had told me they on my behalf reversed the double payment and that my account would be locked on there end so that I could n't make a new payment a couple of weeks later it wouldntve mattered how I would then figure out MY lively hood.
Consumer complaint received 2015-04-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (IL)

Enhanced Recovery has reported to the CRA that I owe a debt to XXXX that was the resault of Identy theft. I reach out to them XXXX time and then went directly to the orginal creditor ... Spoke with XXXX XXXX at XXXX who has confirmed the account is cleared and has let the collection agency know that this account has been clear and any negative information should be removed from my bearus within XXXX to XXXX hours which at this point it has not been removed
Consumer complaint received 2022-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (NV)

My phone number was hijacked on XXXX XX/XX/2022. The thief created new accounts and asked for my existing credit card to be expedited to an address ( not mine ) in XXXX XXXX. I called Chase on XX/XX/2022 and reported all the new accounts that were created in my name, and I reported the fake address the thief was using. I reported that he had gained control of my account by getting one-time codes. I found out that Chase had not locked down my account but had allowed the thief to keep the new accounts active after he called back on XXXX XX/XX/2022. On XXXX XX/XX/2022, I went to a local Chase bank, and I again reported all the fraudulent activity. The Chase banker put me on the phone with their fraud department. I asked that all accounts including my only Chase account, a Chase XXXX XXXX XXXX, be shut down. Chase did NOT shut down my XXXX Rewards Account. I have called Chase back many times during XXXX and XXXX asking Chase to shut down my Chase XXXX Rewards Account. As far as I know they have not. When I sign into my XXXX account a XXXX ( that's right XXXX!!!!! ) account number with a new set of last XXXX digits XXXX is listed. I want NOTHING to do with Chase. They are incompetent. They refuse to shout down my XXXX XXXX XXXX. This is INSANE!
Consumer complaint received 2016-10-12
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Integrated Recovery Services (CA)

The company, Integrated Recovery Services , Inc. has been calling me 3 to 4 times per day, they are calling my brothers and leaving messages at least twice a day now. I called them and asked that they send the debt in paper form, through the mail. I still have not received this. They sent me an email with a document and request to submit payment. When I asked that they stop contacting my brothers, they agreed, and then proceeded to call them again the next day. I have contacted an attorney, and have them drafting a Cease & Desist letter now. One of their agents threatened me, blatantly saying, " I will call your whole family, I will make your life a XXXX! '' This man 's name is XXXX, he would not give his last name. He has threatened to call my employer ( I am unemployed anyway. ) He has threatened to " charge me with XXXX counts of fraud, '' twice now, and has referenced XXXX different counties. They have called me at XXXX XXXX and have been calling multiple times per day. They have an " F '' rating with the XXXX, and horrendous reviews by other people they have harassed. I want them to cease contacting me, and end their illegal methods.
Consumer complaint received 2016-08-17
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Comerica (TN)

The TN Human Services department has all child support payments going to the XXXX debit card issued by Coamerica Bank and Elite. The card is also referred to as an XXXX. Each time you dial the customer service number on the back of the card, no one picks up ( Tried 5 times now and longest wait time so far is 1 hour, 15 minutes ) and a fee of {$.00} cents is deducted from the child support balance. Summed up, no one answers the phone, online access does n't actually allow you into the account and the app does not work. It keeps you in a perpetual loop of asking validation questions, without actually validating your personal info to gain access into your account. This is a rip-off. Once you dial in with your personal card info or social, it automatically deducts money from your account without providing an actual service. I 'd like to simply have my money direct deposited into my checking account versus this rip-off debit card w/ NO customer service at all.
Consumer complaint received 2016-09-14
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY (FL)

I opened a business checking account at Wells Fargo in XXXX, Florida and two months later I received a credit card with a limit of {$10000.00} which I did not request nor authorize. My business started to fail so I started to use the card and ran the {$10000.00} credit limit to max. Today I owe {$8500.00} and feel trapped and paying for something I did not sign for.
Consumer complaint received 2017-05-22
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Byrider Franchising, LLC (NY)

The usury laws of my state Massachu setts ( Part IV/Title I/Chapter 271/Section 49 ) states that " whoever in exchange for either a loan of money or other property knowingly contracts for, charges, takes or receives, directly or indirectly, interest and expenses the aggregate of which exceeds an amount greater than twenty per centimeter per annum upon the sum loaned or the equivalent rate for a longer or shorter period, shall be guilty of criminal usury and shall be punished ... by such fine and imprisonment. '' The company is charging me more than 2 0 % interest. I even contacted the Attorney General regarding this issue right after I made the purchase.
Consumer complaint received 2016-07-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Credit Protection Association, L.P. (FL)

I returned my equipment to XXXX and they send my account to collection to paid for some items who was returned. Now I received some harassment calls for a collection agency with treat and sanction of jail. I do n't own this money to anyone and I want this calls to stop.
Consumer complaint received 2016-09-23
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

The bank processed credit card transactions that resulted in overdraft fees, I do not have this service setup and they should not have processed these transactions. They claim they are reoccurring because I used the same companies before but I did not authorize this.
Consumer complaint received 2023-03-19
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: BMO Bank, N.A. (IL)

BMO Harris Bank cashed the check without confirmation of proper ID. 

I was expecting a bonus check for {$3000.00} from XXXX XXXX XXXX after 90 days of employment with XXXX XXXX. The check was sent to XXXX XXXX XXXX in XXXX XXXX, IL XXXX, which is the address that I was supposed to lease, and I notified XXXX via email of my new address on XX/XX/XXXX and on XX/XX/XXXX. XXXX XXXX of XXXX never updated my new address. The check was sent to XXXX XXXX XXXX, XXXX XXXX, IL XXXX, and the occupants at XXXX XXXX XXXX stole the check and forged my name. The check was cashed at BMO Harris on XX/XX/XXXX. 
XXXX XXXX is the bank for XXXX XXXX XXXX, and they will not reissue the check until they are reimbursed by BMO Harris. 

Thank you!!
Consumer complaint received 2022-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MI)

My name is XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MI XXXX. XXXX. My email address is XXXX. 

I had a Citibank credit card for several years. I can not give you the credit card number as I cut the card up and threw it away. The original last XXXX digits of the disputed card the charges were made on is XXXX. The last XXXX digits of the card that they sent to replace that one is XXXX and that card has also been cut up and thrown away. 

On XX/XX/2021, I received a telephone call from Citibank indicating that charges were being made to my credit card in XXXX, GA. They asked if I made or authorized these charges. I told them they called me on my home phone in XXXX and so " no '' I did not authorize or make those charges. They immediately closed my account They indicated that XXXX charges ( {$50.00} XXXX ) were made on my card at Performance Prediction XXXX GA ) and XXXX charge for ( {$61.00} ) at XXXX XXXXXXXX # XXXX XXXX XXXX Ga. I was told these charges would be removed from my card. 
When my statement arrived, all charges were listed for payment. I disputed it. The following month XXXX of the Performance Prediction charges and the XXXX XXXXXXXX charges were removed. XXXX Performance Prediction charge for {$50.00} remained. Citibank indicates they can prove I made the charge. I have called XXXX or XXXX times ( maybe more ) and disputed the charges. They tell me it will be taken care of and nothing happens. However my bill that was due XXXX listed the remaining {$50.00} charge and added a penalty of {$29.00} because I didn't pay it. Repeated calls to Citibank have been unable to resolve it. They say it's fixed but the telephone calls and emails about the unpaid bills continue to come. I receive phone calls from them EVERY day about the bill and emails every XXXX day. I have filed a police report # XXXX with the XXXX XXXX Michigan Police Department XXXX XXXX XXXX XXXX XXXX XXXX ). I contacted XXXX XXXX on XXXX and he suggested I try to resolve it with you.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST NATIONAL BANK OF OMAHA (CO)

The creditor reports that I have a repossession with them and refuses to remove it from my credit report. 
I never had anything repossessed thru them. 
I only had a credit card account.
Consumer complaint received 2015-09-01
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I advise HSBC XXXX that my credit/identity had been taken and noticed unauthorized charges on my card. They said I would not be held responsible, but I just received a statement with a balance of {$14000.00}.
Consumer complaint received 2016-03-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: First National Collection Bureau, Inc. (SC)

im disputing this account, on the basis that i dont remember having a verizon account in XXXX the company that is fighting over it is XXXX and the collection people are for first national collection bureau, i have been arguing ovrer this bill since XXXX XXXX i also have XXXX dispute this but was told that i had to dispute the other company. i have asked numerous times for all the info on this account to no prevail, please help me dispute and have this erased off my credit report thanks. i have had a problem of someone else using my name too.
Consumer complaint received 2015-08-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (FL)

Asset Acceptance LLC continue taking a debt to court on a debt that I do not owe. I want this company to stop their unfair debt collection practice. They claim I owe over {$8000.00} but I have no receive any documentation or any prior notices. I receive a claim that was introduce in court. This company needs to stop targeting accounts that either do n't exist or are way pass the statue of limitations,
Consumer complaint received 2017-03-06
Product: Prepaid card — General purpose card
Issue: Advertising, marketing or disclosures — 
Company: AMERICAN EXPRESS COMPANY (DE)

They sent me an email with promotion code of their prepaid gift card. When I used the code to make purchase and they declined my order for twice. I verified my information and they are correct. If they do n't want to sell me the gift card, why send me an ad email? I do n't know whether it is because I complained their service before due to their carelessness and unprofessional behavior. If your employee made a mistake to cause an inconvenience and loss of a customer, you should n't blame the customer complaint but should have tried to figure out how to improve your quality of service. I can not find any other company to provide prepaid cash card. If I can I would not choose Amex ever. I do n't know whether it is called monopoly. As there is only one company providing this service, they can do whatever they want to the customers and do n't care what they feel.
Consumer complaint received 2022-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have some information reporting to my credit report that is invalid! Some doesn't belong by to be and the other is not reporting correct! 
I have listed all details below XXXX XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Highest balance {$19000.00} Balance {$12000.00} During XXXX, and the pandemic I had some lates on my car payment, I called them and made arrangements to have them work with me and they advised they would and did and that to us wouldn't effect my credit negatively. Well below are all the dates I was reporting late and since they told me it wouldn't be reporting I feel like it shouldn't XX/XX/XXXX 60 days late reporting XX/XX/XXXX 60 days late reporting XX/XX/XXXX 60 days late reporting XX/XX/XXXX 90 days late reporting XX/XX/XXXX 90 days late reporting XX/XX/XXXX 30 days late reporting XX/XX/XXXX 30 days late reporting This account below is an account I paid off, it has derogatory payment history and I paid this account on time and paid it off! 
XXXX Account # XXXX Opened date XX/XX/XXXX Balance {$0.00} These accounts below do not belong by to me XXXX ) XXXX XXXX # XXXX Opened XX/XX/XXXX Balance {$210.00} XXXX ) XXXX XXXX XXXX  # XXXX Opened date XX/XX/XXXX Amount {$170.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX ) XXXX  Account # XXXX Opened date XX/XX/XXXX Balance {$850.00} XXXX ) XXXX XXXX XXXX  Account # XXXX Opened date XX/XX/XXXX Balance {$1900.00}
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED XXXX XXXX XXXX, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX  XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED XXXX XXXX XXXX, which outlines the permissible purpose of consumer reports. I have requested Form XXXX from XXXX  XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! XXXX NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE XXXX BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2023-03-19
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: SANTANDER HOLDINGS USA, INC. (CA)

I XXXX do not owe Santander any money. They are reporting a XXXX balance on my credit report. I want the, to delete this from my credit report ASAP
Consumer complaint received 2016-12-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GLA Collection Company, Inc. (KY)

GLA Collections re-added a deleted entry back onto my XXXX and XXXX credit reports despite being removed prior. They violated the Fair Credit Reporting Act 611 USC 1681I Section 5B in relation to requirements relating to reinsertion of previously deleted material. GLA never notified me of reinsertion, nor did XXXX or XXXX ever alert me in writing or any other method.
Consumer complaint received 2022-09-03
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. (GA)

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re- verify each of these items, and that the inaccurate/fraudulent items be deleted from my record. The following Items are Not Mines/Identity Theft and it appears on my Equifax, XXXX, and XXXX Credit Reports . Also, I have been a victim of the Equifax data breach. All is being investigated by the FTC, According to FCRA 605B, this information must be blocked immediately until the investigation is over. 

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 2015-04-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: United Student Aid (USA) Funds (LA)

I live in XXXX, Louisiana. The local university due to federal funds has eliminated some degree programs. My XXXX degree in a poverty/low living wage state and XXXX of the most unhappy places to live in the United States. Collegiate education lender 's have hired a preditory attorney debt collectors to garnished my wages. Their fee has been added plus several other debt collectors. The terms is to end year 2021. I am stuck with a useless education, working in a state which provide living wages for a few and I can not pay for the systems traps that they lay for the common people.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Please remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize these accounts, and I have no knowledge of their origins. According to XXXX XXXX, I am requesting their removal within the next 15 days. Attached are the relevant documents for your review and reference.
Consumer complaint received 2022-09-03
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. (OR)

Upon reviewing my updates, there are several unauthorized inquiries and incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are unauthorized and the following personal information were inaccurate and needs to be deleted immediately : XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2022 XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2022 XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/2022 XXXX XXXX  Date of inquiry XX/XX/2022 XXXX XXXX  Date of inquiry XX/XX/2022 XXXX XXXX  Date of inquiry XX/XX/2022