davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION (TX)

We requested in writing to close both a checking and money market account using the bank 's secure messaging system. We received some responses, however the accounts were not closed. We withdrew all the funds. However, the bank insists on keeping the accounts open. We also sent them a written letter. And now we are getting notice of fees being assessed and negative balances. We have called their contact center and stayed on the phone a long time with them, again asking for the accounts to be closed. They promised to close the accounts as we asked. No luck. They just don't seem to be able or willing to close them. I have attached a number of documents as evidence of our efforts to have the account closed. This involves two different accounts, both of which we were trying to close at the same time, one checking and one money market account.
Consumer complaint received 2020-08-24
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. (GA)

I AM A VICTIM OF IDENTITY THEFT. THESE FRAUDULENT ACCOUNTS KEEP APPEARING ON MY CREDIT REPORT. THESE ARE NOT MY ACCOUNTS, PLEASE REMOVE THESE FRAUD ACOUNTS FROM MY CREDIT REPORT. OR I WILL BE SEEKING LEGAL ACTIONS.
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (NY)

XXXX ACCOUNT XXXX DATE XX/XX/XXXX AMOUNT {$140.00} WELL FARGO FINANCIAL ACCOUNT XXXX DATE XX/XX/XXXX AMOUNT {$1300.00}
Consumer complaint received 2021-05-29
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: TD BANK US HOLDING COMPANY (GA)

XX/XX/2021 Someone opened a target credit card in my name. I only found out when I received the card on the mail. I called Target to verify if it was an actual credit card. The representative informed me it was opened XX/XX/XXXX.
Consumer complaint received 2021-05-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paramount Recovery Systems, L.P. (TX)

This company has no contract with me or my written consent to furnish anything on my consumer report nor have i gave ANYONE CONSENT to any alleged creditor and thats Identity theft!!!, statements from a 3rd party is a violation of my right to privacy USC 1681 ( a ) ( 4 ), I have not received any validation or verfication of any alleged debt. i have sent through USPS certified mail # XXXX XXXX XXXX XXXX XXXX a request for removal from my consumer report to the company involved
Consumer complaint received 2021-05-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I have executed and filed a dispute regarding the incorrect items on my credit report. It has been well over 30 days plus and I haven't received any investigation results within a timely manner. All 3 credit bureaus has clearly violated my rights according to the FCRA Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.
Consumer complaint received 2021-05-29
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: DISCOVER BANK (NY)

I made a complaint to my credit card company back in XXXX of XXXX for the amount of {$2900.00} from a company called ( XXXX XXXX ) which I do not recognize or authorized. My credit card company ( Discover Card ) put the credit back on my account till they investigate the problem. They sent me a letter stating that based on the information they received from the merchant that I was held responsible for the charge. I reopened the case again to reinvestigate this matter, and for the merchant to give them physical evidence that shows it was me who charged this transaction ; such a drivers license or social security card or something that belongs to me to show it was me. They said the only thing the merchant was able to submit to my credit card company was signatures which made my credit card charge me for a transaction I never new or authorized. They said for them to reopen this case would be to file a police report which I will do.
Consumer complaint received 2021-05-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (TX)

This company has no contract with me or my written consent to furnish anything on my consumer report nor have i gave ANYONE CONSENT to any alleged creditor and thats Identity theft!!!, statements from a 3rd party is a violation of my right to privacy USC 1681 ( a ) ( 4 ), I have not received any validation or verfication of any alleged debt. i have sent through USPS certified mail # XXXX XXXX XXXX XXXX XXXX a request for removal from my consumer report to the company involved
Consumer complaint received 2021-05-29
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: REGIONS FINANCIAL CORPORATION (FL)

Checking credit score advised free but required {$1.00} charge. Paid charge but vendor opened account. Called to cancel immediately but number provided not operational. Emailed but more of the same. The company billed me {$29.00} and {$39.00}. attempts to stop failed and Regions bank could only change card. XXXX but Regions has not refunded the money. Opened XXXX complaint, Ic3 FBI COMPLAINT, FTC AND FCC but Regions has still failed to refund the money for over 60 days and multiple complaints.
Consumer complaint received 2021-05-29
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY (TX)

I called to request TD Bank who operates the Target XXXX Card for a balance letter faxed to my personal fax. They refused and told me they only fax those types of letters directly to banks or mortgage companies. They would mail it to me. I need that letter sooner as I am needing to send it to the credit bureaus so that my correct balance is reflected on my credit report. I can't believe they won't provide that service to a customer. I have had that card for about 4 years. Increasing my credit rating helps me to get better interest rates and saves me alot of money. They could care less. It is despicable that with all the interest that I pay them they can't do a simple request for me. To send that letter to the credit bureaus and have the credit bureaus update my information and score as quick as possible is very important to me. I had 6 other credit card companies fax me a balance letter. TD was the only one that didn't. It is horrible to me that they could care less about me. I also was hung up on twice. It is my account and my information, why is it that difficult for them to send a letter to my personal fax number?
Consumer complaint received 2021-09-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY ()

As detailed in attached Annex 1, a Complaint Referral Form to the XXXX Government XXXX XXXX XXXX XXXX, on or about XXXX XX/XX/2021, I was induced by a fraudster, who had impersonated the identity of a lawyer colleague of mine to whom I was transmitting money, to send {$30000.00} to the fraudsters account at Wells Fargo Bank NAs branch in XXXX XXXX, NV. 

I discovered the fraud on or about XXXX XX/XX/2021, and immediately contacted my sending bank, XXXX, XXXX, XXXX, and also contacted the Wells Fargo fraud department directly that morning. The Wells Fargo representative told me that there was nothing she could do as I was not a customer of Wells Fargo, and that I would need to communicate the fraud through the sending bank, XXXX, XXXX. 

I immediately contacted my sending bank, XXXX XXXX and advised them of the fraud. On or about XXXX XX/XX/2021, XXXX, XXXX directly contacted Wells Fargo Bank XXXX to advise them of the fraud and to demand the return of the {$30000.00} wire that had been misdirected by XXXX XXXX XXXX. 

As of the present date, Wells Fargo has not returned the fraudulently procured funds to XXXX ( Annex 2 ). 

I am seeking the assistance of your good offices as I have not been contacted by the FBI following my report of the crime to the Internet Crime Report Center, and Wells Fargo Bank NA has also been unresponsive to my sending banks inquiries. I believe that the holder of the account at Wells XXXX XXXX XXXX fraudulently opened the bank account at Wells, and impersonated the intended recipient of the funds, a Maryland lawyer and former Asst US Attorney, criminally defrauding me of {$30000.00}. 

I here by request that a criminal investigation be opened into the foregoing fraud. 

Thank you for your attention hereto ; I look forward to your prompt reply. 

Sincerely, Enclosures ANNEX 2 -- -- -- Original message -- -- -- Dear Sir, As request, please find below the message sent to Wells Fargo in order to request the return of the funds : ++++++++++++++ URGENT FRAUD ++++++++++ OUR SWIFT XXXX DATED XXXX WITH TRN REF XXXX FOR USDXXXX  VALUE XXXX /BY ORDER OF/ /ACCOUNT WITH/ WELLS FARGO BANK NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV. 
AS PER REMITTER THE ABOVE PAYMENT WAS MADE ON FRAUDULENT BENEFICIARY ACTIVITY SOCIAL ENGINEERING. 
AND IT IS ASSUMED THAT THE ABOVE ACCOUNT IS USED FOR FRAUDULENT INVESTMENTS.WE KINDLY ASK YOU TO CANCEL OUR PAYMENT AND RETURN FUNDS TO OUR ATTENTION.THANKS FOR YOUR COOPERATION IN THIS MATTER PLEASE TAKE CARE AVOIDING ANY DUPLICATION. 
. 
BEST REGARDS, XXXX XXXX XXXX, CUSTOMER SERVICE PAYMENTS, Best regards, XXXX XXXX XXXX : Reply : Reply : Reply : Rponse : Reply : Rponse : Fraudulent Payment Date XXXX XXXX From XXXX XXXX ( XXXX ) To Banking relationship Dear Sir, Please find below the answer receive today. It mention that there is no more funds on the account. 

**QUOTE PLS BE ADVISED THAT THERE ARE NO FUNDS AVAILABLE, SO WE ARE NOT ABLE TO COMPLY WITH YR REQUEST. 
WE CLOSE OUR CASE.

UNQUOTE** Best regards, XXXX XXXX
Consumer complaint received 2021-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

For background, please refer tp complaint # XXXX. The company responded with their same old information I have been battling for almost 2 years since XXXX of XXXX. I have requested, many times, and explanation of how they arrived at my owing them {$650.00} and change. They are accusing me of missing a payment, which I have not and can prove. I would like to know 1 ) the month I missed a payment and I would like to know 2 ) how they arrived at this amount of {$650.00} they say I owe. As I previously submitted a spreadsheet to you ( and to them ), I think I only owe {$250.00} and have offered this amount as a settlement. They do not respond to any of these questions I have asked by letter or by message. Can you help me? I am uploading their response to the previous complaint. It's like they never had heard from me before. I got a letter dated XX/XX/XXXX asking for details of my request, which I have sent several times already. 

Can we make them reply to you instead? My mortgage should be paid off in XXXX of XXXX and I fear they will make me pay the extra amount to get clear title. I have XXXX and can not handle this any more.
Consumer complaint received 2021-05-29
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: Convergent Resources, Inc. (OH)

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : -XXXX XXXX XXXX XXXX # XXXX -CONVERGENT OUTSOURCING # XXXX -XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-05-29
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. (CA)

Hello, I am requesting the following information get deleted off my credit report.The items I need deleted are listed on the word document attached.

I am a victim of identity theft and did not open said accounts listed on the word document provided. I ask that all items ( fraudulent accounts and inquiries ) be deleted off my credit report.

I already reported the theft of my identity to the Federal Trade Commission.

I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Please note that I am submitting this request on behalf of myself. No third party is involved Thanks in advance for your time.
Consumer complaint received 2020-12-09
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: Experian Information Solutions Inc. (FL)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2020-12-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NV)

Company : SPS, Select Portfolio Servicing Issue : they did not process my Rate Renewal application. 

I asked them for Rate Renewal application 3 months ago. About two months ago, I were asked to file a dispute and wait for 30 days for a response. I were then told to wait another 30 days. I received a letter Dated XX/XX/XXXX, asked to call back to ... complete an application. Due to COVID-19, I only got the letter yesterday. I called them back today, XX/XX/XXXX. They still do nothing, I asked to escalate to manager, after long wait, I were told that no manager available, so disappoint ... Please help.

Background info : 1 ) The mortgage load was provided by XXXX XXXX originally, with a Rate Renew Feature : ... Apply for a Rate Renewal and relock your rate for another 5 years .... I did it several times. 
2 ) The loan was Transferred to XXXX  XXXX, I did another Rate Renewal XX/XX/XXXX, relocked the rate to XX/XX/XXXX 3 ) The loan was then Transferred to SPS. They did not follow the mortgage documentations, for an example, not long after transfer, they hiked the rate. When I asked them for a Rate Renewal, they appeared to know nothing about it, I were allowed a dispute only after long phone call and after I sent them copies of the original load documents and a copy of Rate Renew I did in past.
Consumer complaint received 2021-05-29
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: DISCOVER BANK (OH)

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : -XXXX XXXX XXXX XXXX  # XXXX -XXXX XXXX # XXXX -DISCOVER FINANCIAL SERVICES # XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bridgecrest Acceptance Corporation (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 BRIDGECREST CREDIT CARD. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 
BRIDGECREST CREDIT C ***** Opened XXXX XXXX, 2015 Balance {$12000.00} Charge off BRIDGECREST ***** Opened XXXX XXXX, 2015 Balance {$12000.00} Charge off
Consumer complaint received 2021-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CHECK INTO CASH INC. (MO)

I signed a non arbitration contract that stated the loan does not report to credit agencies. I took a title loan on a vehicle from check into cash and believed they had reposessed the vehicle. 2 years later they are now reporting to my XXXX  that I owe a debt of {$730.00} to dXXXX XXXX XXXX
Consumer complaint received 2021-05-29
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: STERLING JEWELERS, INC. (FL)

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 


XXXX XXXX XXXX Open date XXXX XX/XX/XXXX Balance {$2300.00} XXXX XXXX  Open date octob XX/XX/XXXX XXXX XXXX  Open date og XX/XX/XXXX XXXX XXXX Open date XXXX XX/XX/XXXX Kay jewelers Open date XXXX XX/XX/XXXX XXXX XXXX Open date XXXX XX/XX/XXXX I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities on an account that is already open.
Consumer complaint received 2021-05-29
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: Northstar Education Finance Incorporated (FL)

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 


XXXX XXXX XXXX Open date XXXX XX/XX/XXXX Balance {$2300.00} XXXX bank Open date octob XX/XX/XXXX XXXX XXXX  Open date og XX/XX/XXXX XXXX  cu Open date XXXX XX/XX/XXXX XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX Open date XXXX XX/XX/XXXX I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities on an account that is already open.
Consumer complaint received 2021-05-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (KS)

I sold my home and the mortgage company held the paperwork for the title release for 3 months. After numerous phone calls from not only myself but my real-estate agency along with emails and documentation sent. It still took 3 months and I was still making payments they did charge me interest on all of the payments and the payoff. My relator suggested I make a complaint for all the delays and expenses occurred to me. Is their anything I can do??? 
Thank You
Consumer complaint received 2019-03-09
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. (MO)

After a couple of failed attempts I'm now Demanding that these accounts be blocked from my credit report in accordance to the literature within the FCRA or I'll have to file suit and start litigation and name your company as a co conspirator of the creditor inwhom is reporting un documented and unverified accounts in my name per credit reports .I 'm requesting that these accounts be removed immediately if you can not provide me with physical documentation and the method of verification used in your companies process. What is the name of your investigator and/ or employee, at what time and date and day did this take place. Also inwhom did your companies representative speak with, fax, emailed, etc. What physical documentation was provided and when did you provide me with such documentation as relating to me and the contracts with the creditors. If this is not afforded to me then again I'm Demanding that the following accounts be blocked/ removed from my report immediately. Accounts ... ( # 1 ) XXXX XXXX XXXX, ( # 2 ) XXXX XXXX XXXX {$5600.00}, ( # 3 ) XXXX XXXX {$2800.00}, ( # 4 ) XXXX XXXX XXXX XXXX {$1700.00}, ( # 5 ) XXXX XXXX XXXX {$0.00}, ( # 6 ) XXXX XXXX XXXX {$680.00}, ( # 7 ) XXXX XXXX XXXX   {$670.00}, ( # 8 ) XXXX {$630.00}, ( # 9 ) XXXX XXXX XXXX {$140.00}, ( # 10 ) XXXX {$72.00}, ( # 11 ) XXXX XXXX XXXX {$71.00}, ( # 12 ) XXXX XXXX {$960.00}, ( # 13 ) XXXX XXXX {$680.00}, ( # 14 ) XXXX XXXX XXXX {$0.00}, ( # 15 ) XXXX XXXX XXXX {$0.00}, ( # 16 ) XXXX XXXX XXXX {$30.00}. 

It is my understanding that per the Fair Credit Reporting Act this request must be given attention and completed within 30 days of your receipt.
Consumer complaint received 2021-10-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc. (IL)

XXXX Tower Loan called regarding payment during 10 day grace period. They call several times everyday and leave messages as this seems to be their protocol. I have not missed a payment on the loan. Although, I have been late and have paid the late fee every time. Tower Loans communication tactics are borderline harassment to the consumer and they KNOW IT! My grace period ends XX/XX/2021 as of which the total payment due will be paid. However, the lady clearly said in the recorded message how imperative it was for me to call before XXXX XXXX  on XX/XX/2021 and her direct tone was rude. I did call and asked why the calls during the grace period? She said that is a courtesy and that she can not know in the back of her mind when I am going to pay. 
I said okay I understand it is your protocol. She replied with yes exactly. Again her tone just ridiculous. She also said if I would call back the calls will stop. I said I will when I can. My complaint is these calls are absolutely not necessary and this company holds no integrity! 
Too add, I am not just talking a few calls either! Several!