davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BARCLAYS BANK DELAWARE (NY)

About a month ago I started getting up to XXXX calls a day from XXXX Bank. At first I answered and after a pause got a voice message asking why I called.I didnt call so I hung up, but the calls continued. I figured out that they were calling in reference to my Banana Republic Rewards card ending in XXXX numbers they said the cards account had but I have no knowledge of having such a rewards card and it certainly wasnt the regular account number of my Banana Republic card. I eventually tried to call the XXXX number back, but was lead through a rabbit warren of links telling me that I owed a certain amount that I never paid. Since I couldnt find any such amount on my Banana Republic account, I hesitated paying over the phone ( which would have required giving my checking account number ). I then called Banana Republic directly but they said their regular credit card account is not my rewards account. In the end, I mailed a check for the full amount I was told I owed to Banana Republics address. I have not heard a thing in the 7 days since & theres no evidence from my bank that my check was cashed yet, and worst of all, the incessant calls continue! You are my last recourse!
Consumer complaint received 2023-05-29
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: SYNCHRONY FINANCIAL (NY)

Sycnrhony Jc Penney ( SYNCB/JCP ) is repoting a fraud account on my credit. I have made several attempts to dispute the validity of the account with Synchrony and with the 3 major credit bureaus, and yet it continues to report in my credit. Please note the attached FTC report as I the account is complete fraud and needs to be removed from my credit report.
Consumer complaint received 2023-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

( XX/XX/2023 ) No one at company to talk to on weekend Received unapplied for credit card in mail Called and was referred to fraud department and they are closed on weekends
Consumer complaint received 2020-10-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc. (AZ)

The company was drafting my account q day prior to payday and the funds were not available so they the proceeded to block my bank account and would not let payments go thru when I noticed I called and payed off my loan completely. This account has been reported as late for several months due to their system not allowing me to make payments and even after j payed it completely off is being reported as a charge off with a XXXX  balance. I called and even submitted a request for them to correct the errors and got nowhere with the company
Consumer complaint received 2019-10-22
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that BANKAMERICA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2024-05-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Finmax Smart Capital LLC (AZ)

I received a call from this company on XX/XX/XXXX at XXXX XXXX and verified my information to confirm my identity. At that time, I verified that my phone was correct and verified my mailing address, which they had off by one digit. She then wanted me to speak with someone else and I was at work and could not so she said that meant that I was being not willing to cooperate and hung up on me. I then received a text message at XXXX on XX/XX/XXXX stating they were seeking contact information for me. I called later in the day and provided this again and advised that I do not want them contacting me prior to XXXX and he said they dont start until XXXX. I offered to email him a screenshot from my phone and he declined and said he would speak to his IT department. Regardless, they already have my contact information, I have lived in the same place for almost 10 years and have had the and phone number for 7 years, plus I provided this on the XXXX. Today, I received the same text ( after XXXX ) I disregarded this, but my sister also received it and forwarded it to me. I called and was told this was automated and for 72 hours these outreaches will continue after that it should stop, even though they have the information they need and have had it for 5 days now. I dont understand why for 3 more days, they can just contact anyone in my family, my friends, my employer I guess and ask them for my contact information for purposes of collecting a debt when I have provided this to them.
Consumer complaint received 2020-10-12
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. (NV)

The List of inquiries reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2023-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (NJ)

Sagestream somehow " verified '' I resided at an address I have never lived at and according to XXXX XXXX is actually XXXX University. 

How they came to this conclusion I have no idea. It's obvious someone confused XXXX XXXX, NJ with XXXX, NJ however Sagestream stands behind this erroneous reporting.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TX)

My property was sold in XX/XX/2019. The title company failed to issue a payoff to the mortgage holder Rushmore loan management XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. Not my fault. I have tried reaching out on many occasions during this time and keep getting the run around being sent to different departments such as escrow, insurance, general correspondence, etc. Each time I get told that department can not help me and get transferred back. I have contacted the local tax accessor to get a refund, they have verified that they are receiving duplicate payments from both my loan company and the new home owner. However, they will continue to process any payment that is sent to them even in error. I have talked to the insurance agent that I had insurance with and he has denied their request for extension. Yet, they still continue to take out money for insurance and can't provide a name or company to whom I am provided insurance with. How can you pay taxes or insurance on a home that you do not own and someone else has a mortgage and escrow on that property? Rushmore consumer affairs department looked into the account and refused to help me even after the payoff was provided. I hesitated to payoff the loan because I knew that if I had trouble getting an answer or help when I owed them money, then I knew I would be out of luck once I paid them off. My intuition was correct no help after payoff, even denied help from a submit complaint to their XXXX XXXX department.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (MD)

I contacted XXXX XXXX multiple times one date being XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX letting them know that I opt out of them sharing my nonpublic information ( SSN, name, transaction history, account status, address, phone number, account open and close date ) with non-affiliates like Early Warning Services without my permission or consent. They have shared XXXX savings account and over XXXX of my transactions from XXXX account and its status. On the XX/XX/XXXX call XXXX XXXX representative told me that XXXX XXXX does not share any of my information with anyone and I let her know that I've already requested for a copy of my EWS consumer file and it states that they ( XXXX XXXX ) reported this information to EWS. She also stated that since my account is closed XXXX XXXX  will not share anymore of my information. I did let the representative know that this is against XXXXXXXX XXXX XXXX  Privacy Policy and the Privacy Act of 1974 and it needs to be handled. Please see attached documents for reference. This is tarnishing my name, ability to do business with others, causing emotional/XXXX and spiritual health issues. XXXX XXXX privacy policy violates the Privacy Act of 1974 and my rights as a federally protected consumer. https : //www.ally.com/privacy/ # of accounts : XXXX * XXXX * Status : XXXX * Transaction : XXXX Number of Transaction Reporting : XXXX Status Reporting : XXXX Total Violations Owed to Me ( {$1000.00} per violation ) : $ XXXX
Consumer complaint received 2022-04-06
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. (OK)

Disputed a collection account from XXXX XXXX XXXX through all three credit bureaus. The collection was owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX from unpaid electric bill attached to a leased residence that belonged to a family member, that I had never resided. 

I disputed the same collection account with XXXX, XXXX XXXX XXXX, and the credit bureaus, with only XXXX removing the collection from my respective credit report with them. XXXX did see that my family members name was indeed on the account as the one leasing the residence and considered it resolved. Although I continued and attempted to pay the debt, I still wanted the collection removed from XXXX or TransUnion, or at least move the collection to the family members report.
Consumer complaint received 2018-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

( 1 ) What happened? 

On XX/XX/2017 I disputed my Bankruptcy with XXXX XXXX XXXX XXXX. 

It was deleted on XX/XX/2017 Rpt. # XXXX. 

The Bankruptcy was re-inserted XX/XX/2017. 

I have called Equifax and I have been trying to get a hold of the situation regarding the re-inserted Bankruptcy. The refuse to acknowledge the FCRA Legally Binding Laws.
Consumer complaint received 2022-04-06
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: National Credit Systems,Inc. (SC)

National Credit Systems has failed to validate or send proof of contracts that I have with National Credit Systems. If National Credit Systems does not send a copy of this contract within 30 days, the only resolution I will accept is to delete the said debt from all credit reporting agencies. As it is a fraudulent account!
Consumer complaint received 2021-02-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

this company continues to contact me and report collections that are not mine die to identity theft which is also listed on my credit report. they have sent 2 more letters stating that the debt that im disputing they do not understand what im disputed. I have sent several correspondence which have been ignored to remove collections and stop reporting to credit bureaus
Consumer complaint received 2018-09-21
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 (FL)

I had a Wells Fargo Secured Credit Card that was secured by funds provided by me. About 5 months ago I started going through a financial hardship and Wells Fargo closed my account, added excessive fees, and now they've sent the account into collections for over {$150.00} -- of which are all fees. This had adversely affected my credit profile and I was never offered the opportunity to make a payment arrangement or restructure that debt.
Consumer complaint received 2024-05-16
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (SC)

I am a long term victim of id theft. This is onmy credit reports and Ive had to do other fraud claims with Wells Fargo they were excellent with no issues. The claim on question totaled a little over {$900.00} my entire XXXX check last month almost. At no time did I request the bank to issue what they say is a temporary credit to my account. The bank did that and made that choice. They GAVE me the money I did not request it. Further they never sent letters or status of the claim on previous claims an investigation usually take around 3 months Howevwr this one was completed in days. With no notice of outcome mailed to me. Further when my XXXX check went into the banks they removed the entire check due to theee reversal of the fraud claim. This is against federal law. My XXXX check is protected from any debt collections. The bank is allowed to collect an overdraft fee if I caused it per law. I didnt request the money it was given to me and I didnt reverse a valid fraud claim. I have called all the way to the executive offices they dont m know federal law and can not provide me with the evidence of me or someone I know using my card for a few months? Ok if they are looking at it and have it theres no reason it couldnt be show to me. They have violated multiple federal laws and left a XXXX man loosing his home no power and no food and they do not care
Consumer complaint received 2018-09-21
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. (GA)

XXXX continues to report incorrect credit information which negatively impacts my ability to obtain credit, rent an apartment of buy a home. XXXX indicates they rely upon XXXX XXXX and Experian Credit reports to verify the information they are reporting. XXXX XXXX responded in writing indicating the following accounts are not on my XXXX XXXX Account and not being reported. Experian has not responded. I am attaching ( 4 ) 1099-C provided by XXXX ( Cancellation of Debt ). XXXX admits knowledge of my insolvency. Based on the attached, none of the credit bureaus or XXXX have a legal right to continue misreporting this information. XXXX abandoned all claim and cancelled the debt, as such they are not party to any claim, nor can they report something that is no longer theirs. Yet the reporting persisits. XXXX, XXXX, XXXX XXXX or Experian, perhaps all are working in concert to deliberately suppress my credit score by reporting false information. Partial Account # XXXX ; XXXX ; XXXX ; XXXX.
Consumer complaint received 2018-09-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (IL)

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I submitted payments of {$800.00} dollars to Credit Acceptance Corp in regards to a loan I aquired on a used car. The monthly car note is that of {$520.00}, and I made the initial {$800.00} payments as a safety net for if I came upon financial hard times. As of XX/XX/XXXX, I have been unable to make the {$520.00} payment, so I contacted Credit Acceptance and asked that the initial over payments of {$800.00} be applied to the car note currently due, and I was informed by Credit Acceptance that those initial {$800.00} payments were deffered back to the account from which the came. Credit Acceptance Corp has not provided me with any proof that those payments were deffered however, and are currently charging me late fees that have succeeded my monthly car note, placing me further in debt.
Consumer complaint received 2020-09-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

BANK OF AMERICA Account charged off. {$670.00} written off. {$570.00}. 

Delete, from my credit profile, the account its product for identity theft, I never live in the United States of America, just the last year to now, so it's impossible this account going to be mine.
Consumer complaint received 2018-09-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PDQ Services, Inc. (GA)

PDQ has put a bill on my credit for {$410.00} dollars for an unpaid medical bill in my name. I have no idea what this bill is and when I called them they have no record of my name DOB, social security, number or address in their database yet they are reporting that I owe them.
Consumer complaint received 2022-01-07
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I was called by an unknown number and they left a voicemail from a XXXX XXXX. ( Sidenote a quick XXXX search of XXXX. XXXX XXXX XXXX ' will shed some light into this matter ) The voicemail reads as follows, " Hello XXXX XXXX this is XXXX XXXX with XXXX XXXX I previously left you a message notifying you of a civil claim today is Friday, XX/XX/XXXX. It is in your best interest for either you or your attorney to contact us no later than the close of business if you wish to put a stop order on any legal action being taken pertaining to the Ace Cash Express XXXX XXXX. The number is XXXX when calling in XXXX refer to case number XXXX you have been notified the day and good luck '' I was NEVER left a message by this man or anyone at this company. The first time I hear from them I'm being threatened to be sued? The " good luck '' part at the end is what extremely angers me. To try to intimidate me into paying today so I won't have civil suits against me. So I did a quick google search and saw a large number of people referring to this man and company by name as a debt extortion scam. I called him back and let him know that I need information on this account and to call me back ASAP. Today is not the day to call and threaten my freedom and I will do everything in my power, if this man and company is indeed a scam, to bring light to this unbelievable tactics of trying to force someone's hand to pay. Whether it is a scam or not, no consumer should have to be in fear of legal action from one phone call you can't even get a response from. Please let me know if there's anymore information I need to submit. I have the voicemail saved and would be happy to send it. Thank you very much.
Consumer complaint received 2024-05-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

I believe to be a victim of identity theft since XXXX I got a call from Wells Fargo bank in XXXX stating I may have a settlement for fraudulent account 's made in my name. I also got some information from a source that I may have an inheritance that was taking from me also and maybe some crimes in my name. I believe it's a group of XXXX individual 's involved. I believe it's a XXXX XXXX lives in Florida and one of these people I was involved in a relationship with. XXXX possible names I XXXX have is the married couple XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX should show pictures of the couple.