davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-09
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: Experian Information Solutions Inc. (CA)

This is not my address nor do I have any debt located at this address. 

XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Address Identification Number : XXXX
Consumer complaint received 2018-02-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Outsource Group, Inc (CA)

Opened XX/XX/XXXX. Paid XXXX. On XX/XX/XXXX / payment made / confirmation XXXX. XXXX XXXX / XXXX XXXX. Account / XXXX. They forced me to make a payment after putting it on the credit report. Called and harassed me. it is still on credit report. They said they will take it off in 5 business days. Left multiple messages and called in got the run around..
Consumer complaint received 2022-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MD)

My virtual card number from Citi credit card was stolen and been used on fraudulent online purchase. The fraudulent purchase happened on XX/XX/2021 for the amount of {$95.00}. I filed dispute to Citi Cards on phone and told the CSR that it is fraudulent purchase. However Citi Cards still categorized the dispute as " Canceled service / goods '' instead of internet fraud. After reviewed the information provided by the merchant, Citi Cards made the decision that I am responsible for the fraudulent charge, even the information on the merchant receipt does match my personal information. 
In the process, I have never received any mail from Citi Cards regarding this dispute. I had to login to my online account to follow the dispute status. 
I should not be responsible for any internet fraud according to federal regulations. The practice of Citi Cards on this dispute is clearly against federal regulations.
Consumer complaint received 2022-04-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (OK)

Lowes Synchrony Bank card. 
On XX/XX/XXXX XXXX XXXX I recived an email that my payment was due soon. ( attached screen shot ) I knew I already scheduled a payment. I went to the card services portion of the lowes app and there was no pending record or applied record of my payment. The activity only shows my next payment, and a payment due ( Attached screen shot ) This is misleading and could cause me to make a double payment when one is not needed. 

I went to the website version and I could see everything. ( Attached screen shot )
Consumer complaint received 2020-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I've have mailed out a letter and called them Transunion! When i called they said they never got my letter .. when I mailed my letters I never got a response. XX/XX/XXXX XX/XX/XXXX INQUIRY DATE XX/XX/2020 The company never replied back to theXX/XX/XXXX within time and needs to be removed per FCRA, they are still reporting this item is a violation per FCRA and should be handled promptly. I FEEL LIKE THE XX/XX/XXXX COMPANY IS BLATANTLY NOT RESPONDING TO MY LETTERS AND REQUEST
Consumer complaint received 2020-12-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: States Recovery Systems, Inc. (IL)

States Recovery is reporting inaccuracies on a collection account. I've ask XX/XX/XXXX for VERIFICATION of this debt under FCRA. I've asked State 's Recovery VALIDATION of this debt under FDCPA. I never received any proof that I own this debt, which are VIOLATIONS of the laws. Iv'e disputed this account XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with a return response saying it was VERIFIED. They never verified this debt, which is continuing further collection activity that is a violation of FDCPA and it need to be REMOVED. I don't this company or ever made any arraignments with this company. 

XX/XX/XXXXposting LATE PAYMENTS ( recent XXXX XXXXXX/XX/XXXX posting PAST DUE ( balance XX/XX/XXXX posting different balances : XXXX XX/XX/XXXX posting different balances : XXXX XX/XX/XXXX posting highest balance XXXX XX/XX/XXXX date of delinquency : XX/XX/XXXX XX/XX/XXXXdate of delinquency : XX/XX/XXXX XX/XX/XXXXdifferent account # XXXX XX/XX/XXXXdifferent account # xxxxxxxxxxxxxxxx
Consumer complaint received 2021-02-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALCOVA MORTGAGE LLC (VA)

Alcova has failed to pay my R.E. taxes. I have an escrow account with more than enough money to cover the payment. I have been trying to get them to pay it for over a month now. It is severely delinquent. 

I started contacting them a month ago when I received the delinquent notice. I have been told numerous times that the issue has been noted, and escalated. To date, the taxing authority has not received my tax payment. I have requested a refund of my escrow so that I may pay my own taxes to no avail
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Karma (IL)

To : Credit Karma Inc Re : Credit Reporting Violation From : XXXX XXXX Last 4 digits of SSN : XXXX In accordance with the fair credit reporting act, this creditor has violated my rights under 15 U.S.C 1681 section 604a section 2 that states a consumer reporting agency can not furnish an account without my written instructions. I did not authorize, neither did I give permission for my credit to be ran. Running my credit without my authorization comes with a {$1000.00} penalty per inquiry. 

Violation # XXXX : From XXXX Dates of violation ( XXXX ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX
Consumer complaint received 2021-08-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2021 {$6000.00} From XX/XX/2021 I have been receiving payment but till now I didnt receive the debit card.
Consumer complaint received 2021-06-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (CO)

I tried to open the Ally mobile app to manage my savings account. I had the wrong password saved on my phone and accidentally locked my account. I called Ally on Monday XX/XX/31 and they would not give me access to my account. They instead said their loss prevention team would call me. It has been two days and their loss prevention team has still not called me. I called them again and they said there was nothing they could do. I have an emergency and need access to my funds but they will not do anything to help me.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX
Consumer complaint received 2018-02-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (NJ)

I have a TD Savings account ( with the bump ). This account currently pays 1.00 % for the amount I have in the account instead of a regular ( no bump ) 0.35 %. I recently noticed that I am collecting a smaller amount and contacted TD Bank. 
The bank apparently switched me to a new sort of account, with different terms without notifying me. The new account has different qualification requirements, which meant that even though they deceivingly called my account with a bump I was not actually earning it. 
After a handful of conversations with the bank, including branch and customer service line. I was first told that I am owned back interest, but I was later told that TD does not have to pay me any back interest.
Consumer complaint received 2021-02-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BBVA FINANCIAL CORPORATION (GA)

I sent the attached letter certified to BBVA Compass on XX/XX/XXXX. I have yet to receive a response. It is required that companies provide a signed contract matching my ID signature to pursue collecting debt and they have not done so.
Consumer complaint received 2021-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (HI)

On XX/XX/XXXX I received an automated call stating that my account with XXXX XXXX XXXX XXXX Mastercard was past due. As I had not received any bills from this company I called to inquire about the balance. I was told a {$20.00} charge on XX/XX/XXXX had been made and that I now owed over {$85.00} due to late feeds and interest. To be clear, the initial charge was correct. This card was attached to my XXXX account and I had authorized a purchase. However, I never received any notification of the bill. In discussing with the customer service rep, XXXX had been sending information to the wrong address. They had cut off the final two numbers of my apartment number, sending it to a different apartment. I don't know why this change was made because I have not moved in 6 years and have previously received multiple bills from them. I was transferred to another customer service rep who stated that all late fees would be waived and my total due would be just over {$25.00} with interest, which I considered a reasonable compromise. However, he was not able to take payment from me when I offered to pay over the phone and had to transfer me to someone else. When I tried to make a payment with that person, they wanted the full {$85.00} and had no record of the previous conversation. I decided to send in a check for {$26.00} to cover what had previously been discussed. The check cleared by bank on XX/XX/XXXX. On that day I received a text from the company saying that I owed {$84.00}. When I called to discuss this with customer service they said I currently owed {$45.00} and had no record of the previous conversations or of the deposited check. She also said the {$45.00} charge was for a " balance transfer '' which had never been authorized. She said she was unable to help anymore with the issue. I closed the account.
Consumer complaint received 2018-02-12
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (FL)

XXXX XXXX is reporting under the business name of BMW Financial to all three credit bureaus. This is causing a lot of confusion. Additionally, XXXX/BMW is reporting inaccurate information to all three credit bureaus regarding my account. I disputed this information and the inaccurate information continues to be reported. This serious issue has now caused me to lose a job opportunity and a chance to submit an offer on a home that was accepting highest and best offers by XXXX on Sunday, XX/XX/XXXX. I have an attorney that is willing to take this case on a contingency basis and will sue for punitive damages on my behalf since I have documentation of the loss and the accurate information. Negative marks were placed on my account only after I called in XX/XX/XXXX and spoke with XXXX XXXX in Collections to voice my displeasure in that XXXX/BMW would not extend deferments on payments to me for a hardship that I endured after my position was eliminated and subsequent job loss. I sent a fax with a letter of explanation and documentation following my initial dispute. I sent the fax on XX/XX/XXXX to XXXX XXXX, Special Accounts Support Specialist. I received a voicemail from XXXX, Customer Support Specialist on XX/XX/XXXX confirming that my faxed complaint had been received by XXXX and that she would reach out to me with further questions if needed. One of the incorrect items is a 30-day late negative mark for XX/XX/XXXX when my payments were deferred only after I was impacted by a natural disaster. I am hereby requesting that ANY and ALL negative marks pertaining to my lease with XXXX XXXX/BMW Financial to my credit report be removed immediately.
Consumer complaint received 2021-06-08
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)

My name is XXXX XXXX and I have noticed some unauthorized and inaccurate information on my credit report. Hence, I am writing to request an investigation and removal of the unauthorized and inaccurate information. 

It seems that Experian, XXXX, and XXXX  have a systemic problem in its limited categorization of the inquiries it receives and its cryptic notices and responses. Their employees are no more than data entry clerks in the dispute and investigation process. Their investigations of disputes sometimes involve merely verifying that the information matches their own computer records, without undertaking a meaningful examination of the underlying facts. Therefore, I am requesting Experian, XXXX, and XXXX  's credit investigation to involve reviewing documents, researching facts, interviewing witnesses, or comparing handwriting. In addition, I am requesting that Experian, XXXX, and XXXX  obtain a copy of the underlying application or contract from the furnisher, and provide several handwriting samples, such as copies of cancelled checks, a drivers license or backs of credit cards that include my signature. If these critical documents are left out of the investigation process, it may violate the FCRA. 

I have been receiving harassing phone calls from some debt collectors. All of the debt collection agencies are committing actions that are prohibited by law. It is my understanding that debt collectors may not harass, oppress or abuse debtors or any third parties they contact. I have also been threatened to be taken to court if I do not pay these debts. These phone calls are completely oppressive, harassing, and burdensome. 

Please be advised that the companies performing the harassing phone calls are listed below. 
XXXX XXXX - {$400.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX - {$0.00} DXXXX XXXX XXXX / XXXX - {$0.00} Please note that the account listed as XXXX XXXX XXXX has a balance of {$0.00} ; the account listed as XXXX XXXX XXXX XXXX has a balance of {$0.00} ; the account listed as XXXX XXXX XXXX XXXX XXXX XXXX has a balance of {$0.00}. 

Please be advised that there are some unauthorized hard inquiries on my credit report : XXXX XXXX XXXX XXXX, Inquiry : XX/XX/XXXX XXXX XXXX XXXX - Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX I did not authorize or give consent to Experian, XXXX, XXXX  or any other agency to furnish information related to me and these transactions occurred without my permission. 

The information mentioned about is unauthorized and incorrect. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act, 15 U.S. Code 1681, 15 U.S. Code 1692g and 15 U.S. Code 1601.
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TN)

XXXX XXXX XXXX should not be reporting to Equifax ; XXXX and XXXX the two accounts for XXXX and XXXX. These accounts were previously deleted from my credit report because they were reporting in error. Equifax ; XXXX and XXXX have recently started reporting these accounts again. This false reporting of these accounts is seriously harming my credit score and these line items need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus as well as XXXX XXXX XXXX to fix this however, I have not been successful.
Consumer complaint received 2018-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RSI Enterprises, Inc. (CA)

I have disputed XXXX XXXX Ref # XXXXwith the credit bureaus and requested debt validation for this account. To date, I have not received proper debt validation documents and this company is depriving me of my rights. Furthermore, why would XXXX  and XXXX  delete this account if this account is verifiable and correct? I sent a letter requesting debt validation XX/XX/ 2017 and never heard from them. Attached to this complaint is a copy of the letter I sent this company.
Consumer complaint received 2021-02-05
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

On XXXX XXXX, 2020, PORTFOLIO RECOVERY A ( Original Creditor Name XXXX XXXX XXXX  XXXX XXXX XXXX ) add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PORTFOLIO RECOVERY A has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2022-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (TX)

I ordered furniture from XXXXXXXX XXXX. However, I did not receive the complete order. I did not authorize the merchant to charge me for the order until all was received. 

The merchant agreed to a lesser amount, and I paid for XXXX order on my card from another bank NOT WELLS FARGO. 

For over 90 days Wels Fargo played games with disputing the charge and not handling it as unauthorized. I have spent over 20 hours on the phone ( all recorded ). 

Every time I call a different rep tells me a different bit of information. 

All lies and never consistent. 

I have asked for and never received any supporting docs from the bank. NOTHING!
Consumer complaint received 2021-06-08
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)

EQUIFAX has mixed up my information with that of my sister, XXXX XXXX XXXX. I have repeatedly, over a 20 year period, contacted them by email and mail. I have sent them all that they request including my driver license, birth certificate, social security card and utility bills. I have explained they are combining my sisters information with mine. Every time I try to open an account it is denied because of this. I register to use EQUIFAX online and keep getting my sisters credit report, but my information and accounts are included in it. I am exhausted and frustrated. I need this fixed. We are two people, not one.
Consumer complaint received 2022-01-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST HORIZON BANK (TN)

On XX/XX/2021 I went into my local First Horizon bank the address being XXXXXXXX XXXX XXXX XXXX XXXX, TN XXXX, to inquire about why I was charged a XXXX dollar overdraft fee. While I was inquiring the teller printed out something and it charged my XXXX to my account. I never saw the print out. Then she has me sit and wait on someone. It was a relationship banker. I had asked for a manager and she said wait and there would be one there. I never got to talk to a manager. So I sit down with XXXX XXXX XXXX to discuss the overdraft fee and pull my account up and see that they charged me the two dollars for a print out without my consent, without my authorization, unbeknownst to me. I then ask XXXX if that was against policy to do that without me knowing and she admitted that it was against policy. I believe its actually against the law. 


This was the original complaint. They didnt comment on the fact that XXXX did indeed agree it was against policy to charge that especially without my consent. The teller didnt have authorization to print the form. Without authorization from me, it was indeed against policy. So what policy was she admitting to you guys breaking? I didnt authorize the printing of any form. So you are twisting the story to fit your intended outcome. Im not ok with this. Its not lawful or constitutional.