davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: POPULAR BANK (CA)

XXXX XXXX froze my savings account without notifying me. I only discovered it after the ACH transfer for my rent was rejected, which caused me to incur a fee from my landlord. This is a widespread problem. Several customer service representatives said that XXXX XXXX is doing this to many accounts -- not just mine. 

The Fraud Department is unreachable. XXXX XXXX will not allow us to call the Fraud Department, and the Fraud Department does not respond to emails. They give several different explanations for the account freezes, including : ( 1 ) One representative claimed that they have a policy that all new accounts are frozen in the first 60 days, even though their account opening documents say no such thing. The opening documents only say that we can not CHANGE our one linked external account in the first 60 days -- they do not say that we can not withdraw money from our savings account, nor that we can not do ACH pulls from our account. ( 2 ) Another representative said that my linking of external accounts to the XXXX XXXX Savings account was the cause for the freeze, but XXXX XXXX didn't seem to mind that I used those linked accounts to DEPOSIT tens of thousands of dollars into my XXXX XXXX Savings account. They only flagged it for fraud when I later tried to access MY money by WITHDRAWING my rent payment. 

It is INEXCUSABLE that XXXX XXXX would freeze my account WITHOUT NOTIFYING ME. XXXX XXXX has my phone number, email address, and mailing address, but they never contacted me to tell me that my account was frozen. 

XXXX XXXX has seized our money, without justification, and will not release it.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions.
Consumer complaint received 2021-10-04
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: AMERICAN HONDA FINANCE CORP (GA)

In XXXX Honda Finance Corporation showed up on my XXXX credit report. It does not show up on my XXXX or XXXX credit bureau. I have repeatedly ask Honda Finance Corporation to remove this item from my XXXX credit report. The account # Im showing is XXXX account opened date XX/XX/XXXX account was charged off. I have never co-signed with anyone on a car loan. This is not my information I need it removed immediately.
Consumer complaint received 2021-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Social Finance, Inc. (DC)

Welcome bonus terms -- 1 purchase by XX/XX/21 -- were met the but bonus ( XXXX rewards points ) has not been issued. The issue has been escalated to specialists multiple times with no resolve ( the latest ticket has had no updates in over a month ).
Consumer complaint received 2017-10-03
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (GA)

XX/XX/XXXX the student loan was taken out for XXXX XXXX with my now XXXX uncle was the main borrower/ co-signer. The loan was predatory with in-fluctuation in interest rate. President Obama and congress set up actions against the predatory student loans companies. I was not able to finish school and therefore it became into repayment. I asked fo deferment or assistance. XXXX handled the the loan initially, they were unforgiving and I was asked to pay over {$500.00} a month. I was not able to afford and loan went into default and then charge-off status. I recently received a letter on XX/XX/XXXX in regards to attempt to collect over {$40000.00} with interest capitalization. Please assist with getting XXXX XXXX to stop the attempt collect on student loan that I am not able to pay and my XXXX uncle is XXXX XXXX XXXX  to help.
Consumer complaint received 2020-07-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I had a bank of america checking and savings account. In XXXX of XXXX a XXXX  XXXX stole my wallet he wrote a {$3500.00} fraudulent check and that saturday morning 5 or 6  times went to different bank branches and atms pretending to be me as he used my id and soc sec card. Well my balance was only {$2.00} or {$3.00} dollars so of course the check bounced. 
Well he got a total of {$600.00} somehow from pretending to be me fraudulently. 
I request that you remove this error listing me as a person of fraud. B of america should look at their cameras and see that its not me. This has ruined my financial status thus causing catastrophic Ruin in my life. I have no car no home and noone will lend money to me nor can i open a bank account. Please fix this asap XXXX XXXX XXXX XXXX. XX/XX/XXXX Soc. XXXX Dob XX/XX/XXXX
Consumer complaint received 2018-06-07
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: Experian Information Solutions Inc. (AR)

I have contacted XXXX, Experian and XXXX serval times, online and via phone many times about the inquires, accounts, addresses, and phone numbers that I was not familiar with. Every time I get the same results and I am overcome with stress about the situation. It seems if I have been begging for credit and I have not. I trying to get approved for a loan and it makes it very difficult when they go to check my credit and I have inquiries from places I didn't inquire credit from. I have disputed and reached out to the bureaus several times and they tell me the same thing, every time. The companies either need to send proof or validation or it needs to be removed. The following inquiries that were not authorized are the following : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX via XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX The following accounts I'm not familiar with are XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX The following address are incorrect : XXXX XXXX XXXX, XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Mo XXXX, XXXX XXXX XXXX , XXXX XXXX, Mo XXXX The following numbers are : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
Consumer complaint received 2017-10-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NJ)

I signed into my XXXX account on the due date to pay my card, which my account shows as it says I logged in on XXXX XXXX, yet my payment was marked as late and I was charged a late fee and finance charge. I have logged in again today XXXX XXXX XXXX to make my payment and now they only allow me to mark my payment as paid on XXXX, even though I am technically logged in to pay the account on XXXX. This is the only credit card company I have ever had this issue with. It seems as though they purposely mark your payment as late to charge late fee and finance charges. I have never been late on any payments on ANY of my credit cards, mortgage payments, student loan payments, etc, and have a perfect credit score.
Consumer complaint received 2017-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

On XXXX a complaint was filed with CFPB in reference to XXXX investigation into a hard inquiry on my credit file ( complaint # XXXX ). XXXX response stated the hard inquiry was valid, because of persistence and established dialog with XXXX XXXXs executive office ; on XXXX XXXX, XXXX a letter was received agreeing to remove the Hard Inquiry from my file.
Consumer complaint received 2020-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advanced Collection Bureau, Inc. (PA)

To Whom It May Concerns : I am filing complaint against XXXX XXXX XXXX. The reasons are the following : 1. I don't recognized the account or amounts.

2. They are claiming its a joint account with my and XXXX XXXX. I do know that person.

3. They can not provide me any personal documentation such as my DL.

4. They are not claiming that I am 60 days late, when they said the file was open in 2015, none of their information is accurate.
Consumer complaint received 2018-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have contacted TransUnion, XXXX and XXXX serval times, online and via phone many times about the inquires, accounts, addresses, and phone numbers that I was not familiar with. Every time I get the same results and I am overcome with stress about the situation. It seems if I have been begging for credit and I have not. I trying to get approved for a loan and it makes it very difficult when they go to check my credit and I have inquiries from places I didn't inquire credit from. I have disputed and reached out to the bureaus several times and they tell me the same thing, every time. The companies either need to send proof or validation or it needs to be removed. The following inquiries that were not authorized are the following : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX via XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX The following accounts I'm not familiar with are XXXX XXXX XXXX XXXX, XXXX XXXXXXXXXXXX XXXX, XXXX XXXX , XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX The following address are incorrect : XXXX XXXX XXXX, XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Mo XXXX, XXXX XXXX XXXX , XXXX XXXX, Mo XXXX The following numbers are : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
Consumer complaint received 2017-10-02
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (OH)

ok.. im so very sorry to do this again.. but my concerns are if everything esp..from here on out isnt documented or monitored is going to do us no good with ocwens history but it does seem to be that we have been able to speak to the same person more than once now and that he hasnt been giving us different answers but that is not to say that 2 weeks from now we wont have a different relationship mgr with different answers and rules..i know you guys absolutely hate me but im just a mother trying to save our american dream ... ..on this last trial offer you are making us..it says that all liens must be free and clear.. before the permanant modification, so since you have been paying our taxes since you took over our loan ... is it up to you to clear this up or up too us? thank you!
Consumer complaint received 2020-04-30
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. (AR)

I have several items on my credit report that are not mine including a child support debt. I have never been put on child support. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to deleted from my credit report.
Consumer complaint received 2021-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (DE)

Wellsfargo has violated me by closing out consumer credit transaction accounts which I as the original creditor had established due to alleged late payments. I paid these people and they closed out my account! Ever since they closed out my account it has caused nothing but harm and an enormous amount of stress. They reported negative adverse information to my credit report which has done nothing but put a burden on my life! They mad violated me yo! Every time I spoke to a representative they told me that my account would not be closed due to covid-19 effecting my income however, when I went to login to my account it was closed down and told me i no longer had any products with them. I was speechless yo ( shaking my head ). They also closed out previous bank accounts that i had with them as well without my knowledge. At this point they have totally committed unauthorized use ( 15 USC1602 ) as the cardholder, I was not granted proper documentation nor the full disclosure that I needed in order to correct, if anything, my payments. I was on an open ended credit plan so there should not have been any alleged late payments at all reported due to the finance charge within the contract agreement which if they upheld their practices accordingly they would know is the sum of all charges! This is discrimination without a doubt and fraud ( 15 USC 1691 ). Because of the negative reports Wellsfargo made to the credit bureaus it has been a hassle getting approved for credit cards, bank accounts, automobiles and living headquarters just to name a few. This has been effecting me mentally and physically over the course of time and i'm tired of the abuse and i'm seeking remedy. I never even gave them written permission to report any of my information to any credit reporting agency which is totally identity theft! I don't understand how banks expect to have our confidence as consumers when they brake the law and build mistrust with its consumers. Absolutely crazy to me.
Consumer complaint received 2018-06-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MO)

XXXX XXXX is reporting on my credit report for account XXXX. I called over the phone after getting a letter from them requesting to settle in the amount of {$200.00}. I explained due to the significant financial hardship I am experiencing, I am unable to pay any amount at all due to my medical condition that I have been dealing with for quite some time. When I called I mentioned that even their website says they will suspend Collection activities when a consumer demonstrates that he or she is experiencing significant financial hardships due to medical.
Consumer complaint received 2017-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/XXXX I received an email alert from BOA that my account was under {$25.00}. I looked online to find that there were a number of withdrawals ( 5 ) each for {$300.00}. Each also came with a {$2.00} fee. I did not make these withdrawals. I immediately headed to the nearest BOA, on XXXX here in XXXX XXXX to say that money was being stolen from my account. I made a fraud claim on the phone at the bank. They gave me a temporary debit card with only {$16.00} left and said it would take up to 45 days. I asked for more help but the teller would not respond. 

A few days later I called the number on the back of the temporary debit card to ask about my claim. She said that it would take up to 90 days and kept transferring me. I offered to fully cooperate with the investigation, asking them to look at the video tapes of the ATM and that it would be immediately apparent that I was not the one making the withdrawals. There has been no other contact and no other way to contact BOA. No credit, no communication.
Consumer complaint received 2022-09-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I got behind on my car note through Capitol One. I called to find out if they were able to assist me. I was offered a modification loan, but I had to make a full payment. Which wasn't a problem. I called to make the payment on XX/XX/XXXX as agreed upon with the representative, but they had already tried to take the payment by ACH. I specifically told the representative that I would call and make the payment by debit card. I was told when I called in I had to wait for the bank to send the payment back. I explained all over again that I really needed this modification loan so I needed to make the payment. Again he said wait until we contact uou. I stead I called them again the next day XX/XX/XXXX and was informed that the modification loan was not an option at this point. What they did offer was ridiculous and there was no way I would be able to live up to the agreement. I pay XXXX for a XXXX XXXX XXXX and I still owe over XXXX dollars on it.
Consumer complaint received 2021-09-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (VA)

I submitted a complaint back on XX/XX/2021. 
I am not the owner of the account that is being referred to. This account is not mine, I have reached out to your company and left my contact number with Southwest Credit System
Consumer complaint received 2021-09-10
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: DISCOVER BANK (MI)

Discover financial services- Inquiry XX/XX/2021 This is a fraudulent inquiry on my credit report Ive been trying to get it off for months now I reached out to all 3 credit bureaus and the company about this
Consumer complaint received 2017-10-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

Portfolio Recovery Associates keeps harassing me with phone calls stating that I owe them {$4600.00} from 2 XXXX XXXX XXXX credit cards I opened in 2013. I was a XXXX XXXX then and I only have had 1 credit card throughout my XXXX years of living and that was a XXXX XXXX XXXX XXXX XXXX card with a credit limit of {$300.00}. Portfolio Recovery has 2 collections accounts on my credit report : one with a balance of {$2200.00} and another with a balance of {$2300.00}. I only had a {$300.00} dollar  credit limit so how could this be? The information that they have is inaccurate. I 've called them on several occasions disputing the inaccurate information but they refuse to remove both collections accounts from my credit report I even asked them to only charge me for the {$300.00} that I actually owe and they still will not do anything. They have sent me settlement letters but I refuse to pay debt that is simply not mine. The statue of limitations for unpaid credit card debt in the State of Louisiana where I live is 3 years. So even if the debt was mine, I still would n't be responsible for paying it.
Consumer complaint received 2021-09-10
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Credit Corp Solutions Inc. (UT)

I started receiving calls from Credit Corp XX/XX/XXXX. Since I have never initiated contact I didn't answer the calls at first. They contacted me daily, occasionally twice a day. I finally called the number that called me, on XX/XX/XXXX to tell them they were violating privacy rights and to stop calling. I have received calls XXXX, XXXX, XXXX and today, XX/XX/XXXX. This is harassment and unacceptable.
Consumer complaint received 2021-09-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd (VA)

I received a call from Nationwide Recovery Systems stating I owe a debt of {$320.00} to XXXX XXXX XXXX XXXX. I contact XXXX XXXX and was informed that I owe them no debt, the rep further informed me that they do not use Nationwide Recovery Systems and they do not sell their collections. They use a Third party company, XXXX XXXX XXXX in XXXX, VA. 

When I spoke with the rep from Nationwide Recovery Systems, I disputed this debt, I requested that they send me a itemize bill with details and dates of service, signed Hippa form and a copy of my ID. I have never received these documents and Nationwide has not verified this debt. I received several alerts that this debt was reported to all three credit reports. 

Nationwide did not verify the debt, but law if I request verification and dispute the debt, Nationwide must provide. At this time I have received no such documentation.
Consumer complaint received 2018-06-07
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: AES/PHEAA (AL)

All of my loans are consolidated, and are under one account number. In addition, this item was not previously listed on my credit report, information was given to a Credit Repair Agency and after reviewing my report after given out to the information to the agency, a review of my account, now show this item. Please remove this item, I do not want to lose a contract that I have on some property. Thank you in advance for any consideration that can be given this request.
Consumer complaint received 2021-09-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I am a victim of predatory lending with this Mortgage company ( Specialized loan servicing ) I requested XXXX times already to send me forms for another loan modification, I believe this company XXXX want to push me to loose my home in foreclouse because of the type of loan that they gave me. I wanted my payments to be low monthly and the company keeps increasing my monthly payments. I do not know what to do anymore because my XXXX XXXX is poor right now and I have problems trying to refinance with any company, I tried asking this company to send me forms to apply for another loan modification and they never send me the papers. Please push this company to finally send me the forms to apply for refinancing or to do another loan modification XXXX XXXX.
Consumer complaint received 2018-06-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services (FL)

Well they Loan me a XXXX dollar but in return I wouldve to paid XXXX back which I think thats way to much so I assume they trying to scam me ..and also the percentage rate is XXXX which really not adding up so I want help out of this Loan situation please!