davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-04
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. (TX)

Inquiries I have no clue of are : XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX- XX/XX/XXXX XXXX-XX/XX/XXXX I already reached out to each to company and all they told me was to contact the credit bureaus to resolve this matter.
Consumer complaint received 2018-02-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP (NJ)

Pressler & Pressler sent my job a wage garnishment without me knowing. I was only given 11 days and it's not right. This debt looks like it's from 2012 and they have never contacted me at the address on file to make payment arrangements. For them now to try and garnish my wages for a debt that was never verified or validated is wrong. This should be a violation of the Fair Debt Collection Practices Act and I am not sure why this is allowed.
Consumer complaint received 2018-02-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (FL)

XXXX XXXX XXXX used my bank account information to make an unauthorized withdrawal. I made a payment on my account on XX/XX/XXXX and the next payment was due on XX/XX/XXXX. Without my consent, Ally authorized an additional ACH withdrawal from my bank on XX/XX/XXXX. When I called to inform them of the unauthorized transaction, their only response was that they would apply it to my payment due on XX/XX/XXXX. This action caused my bank account to be overdrawn and they refuse to refund my money.
Consumer complaint received 2021-11-07
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: EQUIFAX, INC. (NJ)

This account was placed during COVID-19 2020 eviction moratorium and should be removed. Can you assist in removing this account from my credit file XXXX XXXX
Consumer complaint received 2024-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

Right now they withdrew XXXX and is missing. It started XX/XX/XXXX I. Wrote a check online for XXXX XXXX XXXX XXXX XXXX They used an international Number and wire transfer. ACH transit number. I reported in XXXX. I now walked in the bank XX/XX/XXXX and they issued a dispute number. That was one issue. I have had problems with closing account. They will not. They are misusing my information. Then before that they were holding funds not delivered checks. They cause them to bounce. They would hold funds for XXXX XXXX They want to change fees on purpose. We work that all out. It was a major headache and now this bank is NOT on the level. Right now I need to recover my XXXX and late fees!
Consumer complaint received 2019-11-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (CA)

I try to make attempts to make through online automatic system my social security number was not being recognized when I called in. I have XXXX staff was not giving me accommodations to make the payments. I was not properly notify that things where going be reported to credit report. I had several occasions were I was on hold for long periods. I am XXXX the staff told me it is my responsibility that I am XXXX. I made very attempt to make the payment.Paypal will not talk to me and synchrony bank is discriminating against me because I have XXXX I brought it multiple times that I can not read the bills and was not properly notify by phone because I can not read or see the bills.
Consumer complaint received 2018-02-06
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

My primary residence was foreclosed on XX/XX/XXXX.  VA paid the debt and assumed the loan, that I had with Wells Fargo Bank N.A.  Wells Fargo sent me a 1XXXX form for XX/XX/XXXX taxes.  I should have also received a 1XXXX to cancel out the debt per the VA, due to the fact that they paid the whole loan off  plus some.  My original loan was for $XXXX and Wells Fargo is stating on the XXXX   form that I am liable for $XXXX.   Fair market value of the property is $XXXX.  The VA recommended me to contact me to let you know what is going on. I contact Wells Fargo on XX/XX/XXXX and spoke with the Escrow Department about the 1XXXX and the 1XXXX form.  The young lady stated," In 7 to 10 I may get a new XXXX   form without box 5 checked holding me liable for repayment of the debt or a XXXX form".  This is not the first time I have had a problem with Wells Fargo.  Earlier in XX/XX/XXXX the residence in question was supposed to sale go up for foreclosure and it did not because Wells Fargo forgot to publish the sale in all the local news papers.
Consumer complaint received 2021-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I have filed multiple disputes with Equifax, XXXX  and XXXX  regarding accounts that were opened without my knowledge that I do not recognize. These accounts continue to show on my report after over a year of sending police reports and filing ID theft reports. These accounts have various dates. 
Equifax has refused to remove all of the accounts listed in this complaint even after I have filed 3 identity theft packets. Sent them police reports and contacted them on several occasions. 
All of the companies in this complaint have been sent notices from me as well as identity theft reports.
Consumer complaint received 2018-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ray Klein, Inc. (TX)

I CALLED AND TRIED TO PAY THIS DEBT AND COULD NOT GET THME TO TO TAKE MY PAYMENT OR TO TALK TO ME ABOUT ADJUSTING THE COMPANY JUST KEPT CHARGING ME LATE FEES AFTER BEING UNABLE TO GET THEM TO AKE MY MONEY SO I DONT REALLY OWE ALL THIS MONEY BESIDES I KEEP HAVING TO CHASE THE CREDIT COLLECTIONS EFFORTS I THINK THIS IS THE SECOND THIRD FOURTH COLLECTION AGENCY TRIING TO COLLECT ITS A FRAUDULENT SCHEMA
Consumer complaint received 2018-02-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Grant & Weber (CA)

Third ParyCollection Agent requested {$250.00} dollars when the original amount is {$190.00} and also attempted to make me pay {$43.00} for another account with the original amount of {$27.00} and was past the statue of limitations.
Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (IN)

I was in the process of booking a flight through XXXX on Friday, XX/XX/XXXX. I saw a promo for an American Express XXXX card, and if approved, they stated I would be able to use the card immediately for the flight. I was approved right away and selected " use the new card '' option on XXXX 's website and I received an error message stating the transaction could not be processed. I reached out to AMEX today to see why it wouldnt allow me to use the card and they could not give me a reason why and offered to send me a card within two days. I approved this because I assumed I needed a new card, but was not told I would no longer be able to use the temporary card information provided originally. Now that they have sent out the replacement card, I am unable to make any purchases until that is received. Unfortunately, that has now resulted in me having to spend more on the flight. American Express could not give me a reason for not being able to use the card and told me nothing could be done ( agent name was XXXX ). This is a classic bait and switch situation and I feel AMEX needs to be held accountable for these shady practices.
Consumer complaint received 2022-07-05
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: EQUIFAX, INC. (TX)

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 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 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 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) XXXX 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 XXXX years. 
15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2022-04-29
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)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-11-07
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P. (OH)

Negatively reporting unfair and information that isnt validated. I have personally asked this company to validate information 5 times and they will not validate anything on the account. 
LVNV FUNDING LLC Last reported XX/XX/XXXX {$640.00} Open balance XXXX  XXXX XXXX XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( 4 yrs, 8 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

^^^^^^Dear governor, my name is **XXXX XXXX**. I have been trying to complaint about some error that exist in my credit report over the last year but none of my afford has worked. There are some of employment information and addresses that are not belong to me or our association. These error can cause bad effect in our credit report which really shouldn't happen in this harvest time. Our family barely suffer throughout the Covid-19 dynamic. Here are the employment information and addresses that need to be removed off my credit report : ************ ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ *EMPLOYMENT INFO XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ***ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2018-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

I previously lived at a community due to a divorce I moved out. I turned in my divorce decree and the filed and signed one after stating that I was no longer living at the apartment and therefore will assume no responsibility to that address. My ex spouse stayed, I am not sure how long. Hunter Warfield appeared on my credit in late XX/XX/XXXX I believe. Never before had it appeared NOR had I received any letter from the community or I would have had it addressed and corrected. Hunter Warfield wont give me details on the debt. They claim they did not have that document I sent it to them. they stated they needed to speak with the community. The community states they are under new management and can not locate my file. I have been stuck in limbo with both companies since they can not file a file. I have supplied the information I have that is legal documentation stating only my ex spouse is at the apartment and only he is responsible. The collection agency wont answer my calls and just email me with a generic email stating they are investigating. This has been since late XX/XX/XXXX and the debt is illegally still on my credit report! Please help me remove this debt I do not owe. I can provide this legal documentation if needed.
Consumer complaint received 2018-03-29
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (PA)

I have been disputing this very old debt on my credit multiple times. They have not provided any proof of the debt or a copy of the contract or deficiency balance to determine the account is reporting accurately. I do not agree with what they have reported and they won't respond to me. They have violated 15 USC 1692 FDCPA and 15 USC 1681 s-2 FCRA
Consumer complaint received 2021-08-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

- Started refinancing my existing mortgage on XX/XX/2021 - Received a closing estimate and a notice to close on XX/XX/2021 - Lender is Bank of America - Actual closing happened on XX/XX/2021, without any explanation and with a dishonest and disrespectful behavior of loan agents and his supervisor throughout the process - Called the Bank of America to file a complaint several time and sent various emails regarding the extreme delay in the refinance application process by the Bank of America which caused me several financial losses ( including time opportunity cost and losing other options with low rate mortgage payment opportunities over the past 7 months - my estimate is at least {$20.00} ) and all these caused other challenges in our family and life planning throughout this year. A summary of what i kept mentioning to the Bank is as follows : 1. Time opportunity cost for 7 months as of XX/XX/2021. I had to continue paying my current mortgage at the rate of 3.5 % which I could save if there was not such a long delay in my refinance process with BoA 2. I have received several offers for a refinance payment rate as low as 2.0 % 3. I have received several emails, letters and calls from other lenders ( including XXXX XXXX, my current lender ) with guaranteed closing dates, lower closing fees, which I had to turn down because of my ongoing application with BoA. 

4. BoA has performed a hard check on my credit twice which has caused damage to my credit score thereby charging higher rates. This is true if I now want to go with other lenders as well. They are going to charge me higher rates. The need for the second round of the credit check was because of the extreme delay on the BoA side. 

5. BoA is going to charge me with another {$920.00} fee for the title as an additional cost which is not my responsibility at all and hasn't been discussed in the offer letter and throughout the process. 

Last but not least, the Bank never respond to my complaint with a prompt reply. And I have observed dishonesty throughout the process. 

I am writing this on XX/XX/2021 and the disbursement date is on XX/XX/2021. But I haven't heard back from them. 

After so many follow ups the loan officer sent me a complaint case number, XXXX, which is the number they use to track my complaint. I have tried to call BoA 's customer service and other numbers to track the complaint and find out about the status. But all I heard was that they can not place such a tracking number and no success at all.
Consumer complaint received 2018-04-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I have recently obtained a copy of my credit bureau – XXXX XXXX and XXXX  credit report.  It showed an inquiry by your company that I do not recall authorizing.  It is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so
Consumer complaint received 2024-03-10
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One sent me a Saks Fifth Store credit card, which was lost in the mail and the company gave me a temporary card online to shop with. My issues began with them when I could not pay my monthly bill on the card because Capital One was requesting information from the new card that did not arrive before my payment due date. I paid the credit card bill but it was after the due date when I received the new card. I appeal to Capital One through their agents to waive the late fee charge but all to no avail. Again, CapitalOne refused to mail me a paper bill that I signed up for, and as a result, if I don't check my email, then a late fee will accrue on the bill. finally, Capital One charged me {$58.00} for late fees and all this took place after I had paid off the credit card. 
I, 'm requesting Capital One to return the {$58.00} late fee charge to me. 

The account number is XXXX Saks Fifth Avenue credit card.
Consumer complaint received 2021-11-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

This company has called me and threatened me saying they will take legal action against me. They also will not validate any information that has inaccurately been reported against my credit and is very much negatively damaging my credit. Ive been asking for verification and have requested verification 4 times from Portfolio Recovery and I do not receive proper verification when asked. 
PORTFOLIO RECOVERY Last reported XX/XX/XXXX {$6200.00} Open balance XXXX XXXX  XXXX XXXX XXXX  Original creditor XXXX  Opened XX/XX/XXXX ( 3 yrs, 8 mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; customer disagrees Original creditor name XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/2020
Consumer complaint received 2021-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-11-07
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: EQUIFAX, INC. (NY)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2018-02-06
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: McCalla Raymer Leibert Pierce, LLC (OK)

On XX/XX/XXXX, XXXX from XXXX XXXX XXXX ( XXXX XXXX, NV ) called me regarding information regarding my mother stating there was a legal file to review ( I have the voicemail saved ). 
XXXX XXXX XXXX ( XXXX XXXX, NV ) Asked me to call XXXX I returned the call and XXXX answered the phone and shared my mother 's full name, address, date of birth with me before asking if she was speaking to the correct person. Further identifying that there was legal documentation/courier that was sending information regarding a civil suit. They then asked me to verify her social security number over the phone. I refused. She notified me that documentation would be mailed to the address she had confirmed earlier. 

I later found out that XXXX XXXX XXXX did the same thing and called my sister. They harassed my sister who lives in another city regarding this practice as well. XXXX XXXX XXXX began to harass me and my sister, on an alleged debt from XX/XX/XXXX or before that they believed occurred by my mother. 

This course of action inspired my mother to call this agency and after threats made to her about an alleged secured debt that incurred in early XX/XX/XXXX. To find out more information regarding this alleged debt, they tricked her into what she believes would restart the statute of limitations. 

These actions are completely ridiculous and should be actionable.