davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-23
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: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I pulled my credit report. Im seeing a lot of collections I am not responsible for. I believe my ex-wife applied for most of the accts she would pass as me and give my information out. I never received anything about these Accts. We have been separated for over XXXX.
Consumer complaint received 2015-09-03
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I applied for a new credit card with capital one, it needs further review I received a letter that I need to fax or mail a copy of my social security to complete my application. I called customer service and I said I do n't feel comfortable mailing my social because of fraud going on and I do n't have a fax machine, I asked if theres other alternative and she said that only fax or mail. I asked her if mailing social is secure and she said yes, for me I am not comfortable.
Consumer complaint received 2015-09-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

XXXX XXXX lists an amount due of {$6500.00} XXXX {$7900.00} highest balance ) as a Collection/Charge-off on my credit report. This account belonged to XXXX XXXX and I was listed as an Authorized User. I never used the card and it is still in the envelope in which it was originally sent. XXXX XXXX sold this account to XXXX XXXX and they filed a collection lawsuit against XXXX XXXX XXXX This lawsuit was Non-Suited by the Court and the amount claimed as due was deemed to be NOT owed. The attorney stated that the amount did not have to be paid to XXXX XXXX or to XXXX XXXX. When applying for a mortgage in late XXXX 2015, a conference call was held between XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX refused to discuss the matter, so no resolution could be had. They were extremely abusive on that conference call to which we still have the recording. We were not able to secure the mortgage because of that derogatory listing on my credit report. Transunion has already responded and removed this item from my credit report. Equifax is the credit reporting agency that is still showing this derogatory item.
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CA)

In XXXX of last year, my mailbox was stolen, which included credit cards ending in the last XXXX digits XXXX and XXXX. Subsequently, we received XXXX emails from the Bank, Wellsfargo, regarding unusual activity on my card. We promptly reported that these were not our transactions, and the matter seemed to be resolved. 

However, I later discovered that the balance on the account ending in XXXX had increased significantly, up to approximately {$2600.00}, without my knowledge. Immediately reported this to them, the unauthorized balances were removed, and a new card was sent to me. It's crucial to note that we never activated this new card. 

Despite this, the same unauthorized charges appeared on a new account. So I and my wife visited a Wells Fargo branch and opened a fraud case ( XXXX, account number ending in XXXX ). 

We are deeply frustrated by the lack of progress in resolving this issue. After receiving XXXX emails from the bank stating that more time was needed to investigate, we did not hear anything further. When I followed up via email, I received a phone call stating that the case had been closed, and that if we wished to pursue the matter, we would need to open a new case. After that, I requested to open this as a new case for several times, but I can not hear anything from them until now. 

During this ordeal, we have incurred approximately {$350.00} in interest charges. I kindly request that you escalate this matter to the appropriate department for a thorough investigation and resolution. 

I appreciate your attention to this matter and look forward to a prompt and satisfactory resolution.
Consumer complaint received 2022-03-29
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (MD)

I have been paying my student loans since Before I graduated and also because of covid, all accounts were put on forbearance yet theres a demarcation on my credit report which is affecting my ability increase my credit and Ive been making payments as well since.
Consumer complaint received 2016-04-22
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY (IL)

Target is incorrectly reporting the day of first delinquency. They are reporting that the day of first delinquency is the month after I settled the account. Prior to this settlement payment there were no payments payments made and the account was reported delinquent for 7 months. At that point there was an attempt to bring the account current for a minimal payment, but i disagreed with the terms and did not make any more payments. Prior to that the last minimal payment was made 3 months prior in which a minimal compromised payment was made for 3 months. Target has re-aged this account violating 15 U.S.C. 1681c ( 1 ) No where in the act does it state that a debt can be re-aged after a lump sum or payment in full is made. This account was clearly delinquent 7 months, arguably 10 months. The delinquency could even go back further as I started missing payments 6 months earlier XX/XX/2008, They are claimin DOFD as the day after it was settled in full which is not right.
Consumer complaint received 2024-05-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bepensa Capital, Inc. (SC)

On XXXX XX/XX/XXXX The Vehicle XXXX XXXX XXXX Was totaled in an Accident by another Driver, The XXXX holder keep harassing Me and XXXX XXXX about the balance on the Car when the Insurance Company of the Other car is responsible for paying off the car, My Insurance has paid just a portion, This Company has already caused problems with Stating they never received a Declaration that the XXXX XXXX was not insured and IT WAS, and they charged MORE on the Vehicle, then they charged Company Name, At this time XXXX XXXX  was not able to go back to until The Middle of XXXX, And They still want Us to set up another payment, I myself is On XXXX and trying to make Ends Meet at this time, With XXXX, Also He, The Car Is Totaled, not in our possession, And they keep stating what WE NEED TO DO, We are still trying to get XXXX Caught up from XXXX XXXX being out of Work and Apparently they seems not to care and reporting non payment to my Credit And as of today XX/XX/XXXX, I received another email of what we needs to do, I am NOT setting up payment plan with my bank, at this time due to XXXX XXXX and XXXX XXXX XXXX We have been harassed my this company over A year, And Having XXXX I am tired Thank You XXXX XXXX XXXX
Consumer complaint received 2016-04-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (MN)

I reached an agreement with Universal Acceptance Corporation to settle my account for {$1000.00}, which, I paid with my XXXX XXXX XXXX debit card. I want UAC to send me a letter of confirmation and the release of lien document.
Consumer complaint received 2016-07-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credence Resource Management, LLC (CA)

Rural metro ambulance co. Provided service on XXXX/XXXX/XXXX. XXXX XXXX submitted their {$1300.00} claim to XXXX XXXX / XXXX XXXX on XXXX/XXXX/XXXX. The claim was denied by the insurance company due to XXXX XXXX " untimely billing '' by not submitting the claim within 90 days as required by law. XXXX XXXX XXXX confirmed that they notified XXXX XXXX of the decision XXXX/XXXX/XXXX and XXXX XXXX DID NOT APPEAL or RESPOND to XXXX XXXX XXXX 's refusal to pay the claim. XXXX XXXX XXXX sent XXXX XXXX the EOB stating the the patient ( me ) has XXXX Resonsibility for the {$1300.00}. AND DO NOT BILL THE PATIENT FOR THIS SERVICE. XXXX XXXX XXXX XXXX Sold the debt to Credence debt collections and they are now demanding payment of {$1300.00}. I called Credance collections and told them them the information about XXXX XXXX negligent billing and the denied claim and the company not RESPONDING/appealing to XXXX XXXX care. As per XXXX XXXX XXXX & XXXX XXXX AND MY EOB I am NOT RESPONSIBLE FOR THIS BILL OF {$1300.00}
Consumer complaint received 2016-08-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been working on a modification with Bank of America for almost 5 years. I have been submitting documents time and time again. Most recently, I believed I was getting a Modification after filing a complaint. I received some time sensitive documents that appeared to me as if they were the modification documents. I saw that there was a breakdown of payments so I was happy! It was different than I expected, so I called the Bank of America modification department and I was advised that I needed to send my first payment of {$670.00}, the amount that showed on the document by XXXX XXXX, so we rushed to have the money in the account to send it to the bank. I confirmed with the representative from Bank of America that my payments would be {$670.00} each month and would change as per the letter I received, and she said yes. I called on XXXX and again on XXXX to confirm that my payment of {$670.00} and she confirmed. I was about to send the next payment, when XXXX XXXX, my third party representative, the person who is assisting me advised that I was sent a reinstatement letter. XXXX XXXX then called Bank of America, and she was told that they apologized, that they could see how there could be a confusion however that the letter advised that I needed to send in over {$30000.00} to satisfy the debt, and bring it current! This call happened on XXXX/XXXX/16, she was also advised that there was no sale date, but in ongoing foreclosure. XXXX, from Bank of America notated the account that the person who advised me when I called had to advise the bank that I had made the payment in XXXX, did not properly advise me that you I needed to make the $ XXXX by XXXX/XXXX/016 nor that it was not a modification!! I was shocked and terrified that I am going to lose my home after all of this time of trying to work with the bank!! This is misleading and wrong. I spoke with the bank representative before sending my {$670.00} check in good faith. She advised the amount I needed to pay which was {$670.00} as notated in the letter, only to now find out that she was wrong and now I may lose my home on the XXXX of XXXX because Bank of America sent me a forbearance knowing full well that I would not be able to pay {$37000.00}!! If I could do that, I would have long paid off my home! I am now sick and stressed beyond belief, and unfortunately creating a lot of stress for my children and elderly father who lives with me. I was again asked to submit another package for modification. I have most recently submitted the documentation once again requested for review but as I mentioned now have a foreclosure sale date of XXXX XXXX. I need your assistance to prevent me from losing my home. There is some equity in the home so perhaps now Bank of America just wants to foreclose on my home and take my equity as well. I believe that Bank of America is not acting in good faith and violating the homeowner 's bill of rights by trying to foreclose while I am in a workout. Please help me!
Consumer complaint received 2015-12-21
Product: Credit card — 
Issue: Transaction issue — 
Company: BARCLAYS BANK DELAWARE (NY)

I had a Barclay 's card for many years I paid on time every single time never missed a single payment, my card was on auto pay so the the monthly payments where made automatically by the bank. 
XXXX XXXX XXXX has closed my account from one day to the other with out notice therefore my auto payment did not go through, I was in XXXX when all this happened as soon as i noticed the problem I immediate took action to correct it and i had added a other bank account so all is running smooth now, I am clearly not at fault on this issue. 
Please help me out thank you very much Happy new year
Consumer complaint received 2022-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Someone opened an online account under my checking account added their name to mine on my account. XX/XX/2022 {$34000.00} The Bank called me and asked if I opened another bank account online, I said no. 
XX/XX/2022 Person transferred to another account transferring to their account {$34000.00} in their name only and took all my money. 
My account is showing - {$34000.00}. All done on XX/XX/2022 I went to Branch, and they put a credit only on account that it happened to and I had to open a new account I went to Police Dept and filled out a report I filled out the affadavit the Bank sent me with license, SS card and passport and was told I would have the money back in XXXX days. Every day I call I get a different response. 
The latest response was that there is a lot of claims and backlog. It will take longer. I am buying a house and this is ridiculous I need to verify funds for mortgage closing and this is holding me up.
Consumer complaint received 2016-12-16
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (NJ)

As a Chase XXXX XXXX XXXX Visa card holder, I was solicited by Chase around the XXXX to invite my friend/family to apply the same credit card. I was promised for each approved Visa card, I 'd get XXXX XXXX XXXX miles. I gave my fiance 's name and her email to Chase. And soon after, she started to get a few emails from Chase ( She had never done any business with Chase before. ). She used one application form from Chase with my XXXX mileage number ( XXXX ) on it to apply and got approved for her Visa card. But the XXXX miles as my reward have never come. I started to call Chase in early XXXX and spent countless hours with different service representatives. But Chase refuses to keep its original promise of XXXX XXXX miles and also refuses to send me copies of the referral form I submitted and the Visa application form submitted by my fiance. This shows how arrogant and dishonest a big bank like Chase treats little customers nowadays. 

My Chase Visa card that Chase solicited for its business : XXXX My fiance 's Chase Visa card as a result of my invitation : XXXX
Consumer complaint received 2024-05-14
Product: Credit 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: JPMORGAN CHASE & CO. (IN)

I initiated a balance transfer with Chase bank in the amount of {$6000.00} to pay a XXXXXXXX XXXX  account on XX/XX/XXXX. After entering all my info for the transfer everything seemed typical. On XXXX I saw on Chase bank that a transfer had been initiated to XXXXXXXX XXXX and all still seemed fine. However when that transfer had not posted to my XXXXXXXX XXXX Credit Card by XX/XX/XXXX, I grew concerned so I called XXXXXXXX XXXX and was told there was no transfer in process and they recommended I call Chase. I then immediately called Chase Bank and explained that a transfer for {$6000.00} was posted to my Chase account but the XXXX XXXX has no record of it. That's when I learned the wrong account number had been paid. The account was still with XXXX XXXX or so I was told but was a completely different account number from my own. During that conversation the representative said it looked like a possible banking error and the situation had been elevated. After not hearing anything back I called Chase Bank again on XX/XX/XXXX to get an update. They said then that I would need to wait 14 business days while the process was handled. I figured they would fix the problem and the transaction would get reversed during that time, it did not. I then called again on XX/XX/XXXX to get updated on the process as the 14 business days had lapsed. I was then told the situation had been elevated to a team with no internal line and that the process would take up to 30 days from my initial call on XX/XX/XXXX to be resolved. Those 30 days lapsed on XX/XX/XXXX and I have still yet to have the situation corrected or be communicated with by Chase Bank. I have records I whom I spoke with on my 3rd call on XX/XX/XXXX but not the previous calls.
Consumer complaint received 2016-10-07
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CO)

On XXXX/XXXX/2016 at about XXXX, I met with Home Mortgage Consultant XXXX XXXX, of Wells Fargo Bank at his office at XXXX XXXX XXXX XXXX, XXXX, CO XXXX regarding a refinance of a house I own. 
I Provided hard copies of documents requested and made a payment of {$790.00} via a Wells Fargo debit card from my account with them. 
Later that night I discovered that I was able to get an additional loan via my current VA certificate and a refinance was unnecessary. 
I called XXXX XXXX the next morning and cancelled the refinance. XXXX XXXX was very understanding and stated I would get all monies refunded. 
After not seeing anything credited to my account by XXXX/XXXX/2016, I sent an XXXX mail to both XXXX XXXX and his manager a XXXX XXXX XXXX inquiring as to when I can expect to receive my money back. XXXX XXXX replied that a refund was approved on XXXX, however it takes time, and should be credited " Any day. '' As of todays date I have received no refund and believe that with todays technology a refund should not take three weeks or longer! I have an account with them, they got the money from me in seconds! Yet I should wait up to a month for them to refund? This seems quite wrong. 
I XXXX mailed both XXXX XXXX and XXXX XXXX again today and have yet to get a reply. I do not know where the problem lies exactly, as XXXX XXXX and XXXX XXXX have seemingly been vey helpful.
Consumer complaint received 2023-03-25
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: Experian Information Solutions Inc. (NC)

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 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 XXXXXX/XX/XXXX 15U.S.C 1681 section 602 A. states I have the right to privacy.

15U.S.C 1681 section 604A. section : 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 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. 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any other consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-01
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: Experian Information Solutions Inc. (VA)

I submitted a complaint to all three credit bureaus. I also submitted a police report of identity theft. They made no effort to eradicate the items off of my report even with proof of identity theft.
Consumer complaint received 2017-02-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (VA)

I received the following email from Wells Fargo. This is not my account or my name : XXXXXXXXXXXX XXXX XXXX ( 5 days ago ) to me Dear XXXX : Thank you for your continued business with us. Your relationship is important to me and I appreciate having the opportunity to assist you. My goal is to help you succeed financially and to provide you with an exceptional level of service, while ensuring your service requests are met. 
If you have questions, or would like assistance or information, please call me using the information below. 
Thank you. We appreciate your business. 
XXXX XXXX XXXX ( CSSR, Personal Banker ) Office : XXXX XXXX XXXX Direct : XXXX XXXX XXXX XXXXXXXXXXXX My reply : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX ( 2 days ago ) to XXXX. 
This is not my account. I am not XXXX XXXX. Please correct this. 
And his : XXXXXXXXXXXX XXXX XXXX ( 34 minutes ago ) to me Thank you for your respond, we will correct this right away. 
Thank you again. 
XXXX XXXX XXXX I am concerned because of recent findings that Wells Fargo has opened accounts illegally ; I do have a checking and a savings account with them but not as described in that email. Thank you, XXXX XXXX
Consumer complaint received 2022-09-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paramount Recovery Systems, L.P. (PA)

My medical debt from XX/XX/XXXX was acquired by another agency who is misrepresenting the date of the debt. It had been removed from my report in XX/XX/XXXX, because it's a NJ debt, but reappeared on my report by the new agency. They had the date of service as of XX/XX/XXXX, instead of the original date. I filed a dispute with XXXX, but the outcome was that the debt was listed as XX/XX/XXXX, the date they obtained the debt, once again not the original date. Since the debt is 6 years old, this company should not be able to post this once again on my report.
Consumer complaint received 2024-05-18
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (NJ)

I have paid over {$30000.00} on a {$10000.00} loan. The company has taken 5 to 6 consecutive payments in a 12 month span to all interest. I feel I will never be able to get another car because of this contract I am in.
Consumer complaint received 2022-09-05
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. (CT)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account 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.