davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: We Collect Inc (OR)

I sold a vehicle in XX/XX/XXXX and reported the sale on the Oregon DMV website. Nearly five years later ( XX/XX/XXXX ), the vehicle had never been registered or titled by the new owner. The car was towed and I received a letter from XXXX  ( XXXX bureau of transportation )  stating that a vehicle registered in my name was towed by XXXX XXXX. XXXX XXXX   started a lien, who also later sent me a letter saying the vehicle would be auctioned to pay the debt. I ultimately received a notice from a debt collector ( XXXX XXXX ) with a {$870.00} bill. I called them and notified them that I was no longer the owner and that I reported the sale. I went to the oregon DMV and requested the record. The record did not include the buyers address, which is not a required field to report a vehicle sale ( see attachment ). XXXX XXXX has this record, which also includes the buyers name. The record includes the fact that I did report the sale in XX/XX/XXXX such as to release my interest in the vehicle ( XXXX XXXX XXXXXXXX ). XXXX XXXX  refuses to accept this DMV record because It does not include the address of the buyer. I do not believe they are just in continuing send me bills/phone calls for this debt.
Consumer complaint received 2018-06-11
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. (NJ)

I contacted both a experian and XXXX about personal information ( names and addresses ) linked to my report that were not me. Experian and XXXX  can not tell me where the names and addresses came from or how they ended up on my account.
Consumer complaint received 2019-05-16
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated (CA)

On XX/XX/XXXX I called the Eppicard  to check my balance. I inquired about the last 10 transactions and eight of them were fraudulent. Upon detecting fraud looking into the last five months my account has been compromised.I had received a large lump sum deposit on for XX/XX/2019 in the amount of $ XXXX the same day a ATM withdrawal was made at a credit union 25 mins from my home that was not me and the charges continued until the XXXX of XXXX upon canceling and reporting fraud to the Eppicard  company on XX/XX/XXXX. I have had possession and still do have the card that has been frauded.
Consumer complaint received 2018-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (OH)

My complaint is against Citi Bank concerning my credit cards ending in XXXX and XXXX. 

On or about XX/XX/XXXX I received a package at my door that I wasnt expecting. It was a lap top computer from a company in XXXX OH, XXXX XXXX XXXX. I called them to ask why and discovered my credit card ending in XXXX from CITI Bank had been hacked ( I still had the card itself ). 

After checking my account on line I found that several purchases from that company had been made. The charges are as follows : ( see attached file XXXX ) XX/XX/XXXX {$520.00} XX/XX/XXXX {$520.00} XX/XX/XXXX {$520.00} XX/XX/XXXX {$510.00} XX/XX/XXXX I paid for all the charges I made to the card {$610.00}, in fact I accidently paid it twice. CITI did refund that duplicate payment. CITI closed that card out and sent me a new card ending in XXXX ( I have never activated this card ). I returned the lap top I received to the shipper and got a credit to my account from them and CITI gave me credit for the others. At this point all is good. 

But Then : Citi put one of the charges from XXXX XXXX back on my account with the explanation that ; they gave me credit and the shipper gave me credit duplicating a credit. But, that never happened. There was no duplication I was charged for four lap tops, fraudulently and credited, three from CITY and one from XXXX XXXX ( See attachment file XXXX ). 

To add insult to injury they accepted a charge to XXXX after it was reported stolen. They have after much hassle credited that. ( see attachment file XXXX ) Currently : There is {$510.00} on my account plus late fees that they refuse to take off. 
I have called about 15 times and talked to numerous people in various departments even being told things like oh I see what has happened we will fix it, " I ll make sure and fix that and call back '', " send you an email '', etc. never got that first call back or email. 

A few weeks ago, at their suggestion, I sent them an email with pages printed off their web site proving my point, never heard a thing from this. I will attach these documents for your review. 

CITI sent me a letter indicating they had contacted all three credit agencies to tell them of the issue but when I checked 27 days after the letter was supposedly sent none of the three agencies had received it. ( attachment file XXXX ) About 2 weeks ago I spoke to a supervisor in Security Dept., XXXX, she was going to fix it and call me back. Never did. She gave me the phone number right to her desk, ( XXXX ) XXXX - XXXX. I have called and left several messages with no call back. ( please try to reach her ) Then my insurance company XXXX put a credit on that card {$27.00}. ( attachment file XXXX ) Bottom line : I owe them nothing they owe me a check for the {$27.00}.
Consumer complaint received 2015-10-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (OK)

Wells Fargo offers a so-called " Loan Modification ' program but has denied my parents application ( submitted by my sister and I ) on four occasions. Their home of 35 years is now in the process of foreclosure. they were required to pay almost XXXX per month on a loan and still have a XXXX balance on the home. they have had a mortgage with WF since approximately fifteen years or longer. When my dad was temporarily removed from the home, his income followed and paying the mortgage became overwhelming for my mother. Now their home is in the process of foreclosur because Wells Fargo has stated that they did not have sufficient income to meet a modification, never explaining what the sufficient income was, nor did they have any problem accepting the almost XXXX per month from an XXXX year old woman and a XXXX year old man. My complaint is, if they have re-joined their income which equals approximately XXXX per month, and it exceeds the monthly mortgage, what is the legitimate justification for denial. In addition. I have been fighting this battle on my parents behalf since XXXX of 2014. I was able to secure a modification ( which lowered the monthly payment ) therough my own mortgage company. I would never ever allow Wells Fargo to finance anything for me. I would do without first. I do n't know why they even advertise Loan Modification wwhen it is a complete lie. Now XXXX old people who have had their home for over 35 years are now being foreclosed on because they are not being given a loan modification. It should have been against the law to re-finance offering an ARM loan to senior citizens!.
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

*Provide accurate information pertaining to the Chapter XXXX bankruptcy in consumer name? 
*Provide signed document with signature from bankruptcy court consumer filed chapter XXXX bankruptcy? 
*Bankruptcy courts do not provide nor sell public information to third party companies, such as : XXXX XXXX XXXX and XXXX. 
*As required under SECTION 609 ( a ) ( 1 ) ( A ) & SECTION 611 ( a ) ( 1 ) ( A ). Furthermore, Transunion has failed to provide the method of verification as required under SECTION 611 ( a ) ( 7 ).

*Please be advised that under SECTION 611 ( 5 ) ( A ) of the FCRA Transunion is required to promptly DELETE all information which can not be verified.

* The law is very clear as to the Civil liability and the remedy available to me ( SECTION 616 & 617 ) ; Transunion failed to comply with Federal Law. I am litigious consumer and fully intend on pursuing litigation in this matter to enforce my right under the FCRA.
Consumer complaint received 2018-06-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: C&F MORTGAGE CORPORATION (VA)

I initially applied for a mortgage on XX/XX/2018. I provided all of the needed paperwork ( pay stubs, checking account statements, etc. ) only to be asked for the very same paperwork every two weeks. The mortgage company then asked for additional paperwork ( including the same as previously asked for ) such as where I was getting the down payment. Then she said ( XXXX XXXX of XXXX XXXX XXXX XXXX  XXXX ) that she forgot what type of loan I was applying for : conventional or FHA. She said the information was required due to the recent housing loan problems. I think that she and the real estate agent I was originally working with colluded to delay the closing on this house again and again ( they are best friends ). This is a vindictive and petty act of vengeance.
Consumer complaint received 2021-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

I bank with Randolph brooks. My XXXX year old son is on my account to deposit his payroll Checks. In XX/XX/XXXX he mobile deposited a check for XXXX $ XX/XX/XXXX at XXXX XX/XX/XXXX. He then deposited the same check on XX/XX/XXXX. The bank successfully cashed his check. A week later XX/XX/XXXX. The check was returned insufficient. Hello he had already cashed this check. How they did not catch this that day is beyond me. Randolph brooks then takes the XXXX $ out of MY account along with a XXXX $ check fee. Depleting my savings. They refuse to refund my money although this carelessness was completely on them. Im now without bill money for the month. Because of their mistake. I put my trust in this bank, and they completely mishandled my funds. Keep in mind my son does not even have identification. But was able to walk into the bank and cash the check that had already been cashed. He also had a XXXX  balance in his account at time if transaction.
Consumer complaint received 2019-05-16
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: Credit Karma (MA)

I looked at my XXXX credit report with credit Karma today XX/XX/2019 and I noticed that it says that two old accounts were removed from my credit report, I was happy about it until I looked at my closed accounts and to my surprise those two accounts are still showing there even tho they told me that the accounts were removed, I dont understand why XXXX told credit karma to report something and then lie about it, I called XXXX to try and figure out what is going on with this problem and some guy told me that credit karma is reporting false information so I asked they guy how can credit karma report something false when all of the information that they report comes directly from XXXX and then the guy told me that they have a relationship with credit karma but that they were lying about these accounts being removed. I am really upset because this company is reporting false information. Then they tried to blame credit karma for it. I will also contact credit karma and ask about this.
Consumer complaint received 2018-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Central States Recovery, Inc. (KS)

I HAVE TRIED TO FIX THIS PROBLEM SEVERAL TIMES WITH THE DEBT COLLECTOR THE COLLECTION WAS REMOVED FROM XXXX AND XXXX THE CONSUMER SHOWS THE ACCOUNT IS CURRENTLY OPEN AND ON THE CLOSED INFO THE IS NO INFORMATION AND THEN HAS THE DATE REPORTED AS XXXX ALSO I NEVER ATTENDED XXXX COLLEGE I HAD TO DROP MY CLASSES DUE TO MY TRANSCRIPTS ON HOLD AND I NEVER ATTENDED A DAY OF COLLEGE AT THIS SCHOOL AND THEY DID NOT DROP MY CLASES IN TIME AND STILL CHARGED ME AND SENT ME TO A COLLECTION AGENCY AND REFUSE TO MAKE PAYMENTS AND I NEVER ATTENDED SCHOOL
Consumer complaint received 2023-02-22
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. (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2018-06-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (MI)

XXXX XXXX XXXX XXXX, a debt collector, along with Discover Bank, continue to attempt to collect a fraudulent debt ( XXXX XXXX XXXX File # XXXX ) which was the result of identity theft, despite being notified several times that this was a fraudulent debt, in willful violation of FCRA Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 6 ), and Section 615 ( f ). Additionally, XXXX XXXX XXXX XXXX, along with Discover Bank, continue to attempt ( albeit unsuccessfully ) reporting this debt to the major CRAs in violation of FCRA Section 605 ( b ).

I have notified both XXXX XXXX XXXX XXXX, and Discover Bank several times, beginning XX/XX/2017 via certified, registered mail, as well as e-mail that this debt is a result of proven identity theft. I have kept complete, and extensive documentation of these interactions. However, largely, I was ignored by both named entities, despite having return receipts from the United States Postal Service showing that my documents were signed for.

In the above mentioned documents, I have provided both XXXX XXXX XXXX XXXX, and Discover Bank, multiple times, with the following : a police report, an FTC Identity Theft Affidavit/Report, a personal statement, notifying both XXXX XXXX XXXX XXXX. And Discover Bank that this debt is a result of identity theft, a copy of my credit reports with the account highlighted, a copy of my identification, a copy of the FCRA Notice to Furnishers of Information, as well as a copy of my accepted FCRA Section 605 ( b ) requests, and finally, a letter regarding my security deposit at my previous residence, proving that I had moved out more than a month before XXXX XXXX XXXX, and Discover Bank claim I applied for, and opened the account.

XXXX XXXX XXXX XXXX., in conjunction with Discover Bank, have willfully violated the Fair Credit Reporting Act multiple times, and have completely ignored me, or provided me with generic information that any identity thief would have ( social security number, date of birth, mothers maiden name, and a previous address I no longer lived at ), each time I have been in contact with them.
Consumer complaint received 2020-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WI)

We filed a bankruptcy which was discharged more than 10 years ago. Loan Care is reporting my loan in violation of the fair credit reporting act. I have disputed the loan and as of today one of the bureaus have deleted the trade, but the other two are still reporting negatively ( due to the forbearance ). When I call the number, I get in a loop that I was on hold for 45 minutes and gave up. Today I attempted to call again and reached a representative in Cust Serv that assisted me with several questions. They were not able to assist with the bankruptcy issue, so I asked to be transferred to the Bankruptcy Department so they can correct my account. The person I was transferred to was VERY RUDE. She said it was reporting my loan accurately, which it was not. I requested that she correct the incorrect information or I would file a complaint and SHE HUNG UP ON ME! I called again and spoke with XXXX in XXXX XXXX office and she helped me with my payment issue. She was Amazing and a wonderful customer service representative. I will work with the credit bureaus to get the credit fixed and if Loan Care refuses to correct the erroneous reporting ( bankruptcy greater than 10 years old ), I will seek Legal Counsel. I'm very angry that the girl in the Bankruptcy Department that I was transferred to hung up on me when I asked for her to correct the error. I did not swear at her and they can review the call, as I'm sure their lines are recorded.
Consumer complaint received 2015-08-01
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CT)

Wells Fargo reported wrong about payments made on their equity loan for XX/XX/XXXX and XX/XX/XXXX to the XXXX credit bureaus. They processed a XX/XX/XXXX payment before they processed a XX/XX/XXXX payment. This caused a 30 day late reporting to the different credit bureaus. In addition after forcing us to turn off paper statements so that THEY CAN SAVE MONEY, they continuously publish false information on their websites for when payments are due as well as their statements ( assuming one downloads them from the website ). They did the same thing for an XX/XX/XXXX payment for the same equity line when they published both on their website and their statements that payments were due by the XX/XX/XXXX when in fact they knew or should have known that this would create a false reporting of a 30 day late payment on all of our credit reports. This has cost both my husband XXXX XXXX and Myself {$1000.00} 's of dollars in higher credit interest charges and has made it impossible to refinance our existing mortgages. We have attempted to have Wells Fargo to fix this with at least 10 X notification that they have been reporting wrong. They have the duty to post accurate information on both their statements and their website..
Consumer complaint received 2021-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Chime Financial Inc (TX)

I am a victim of ID theft, an unknown person opened a Chime Bank account using my personal information. I have notified Chime bank several times this is fraud. Every time I call for an update they can't tell me if this account is closed as fraud, when I ask for this to be closed as fraud they refuse. It is like talking to a robot, they just repeat their script they were given. They are not solving this issue.
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Account that was closed is showing open and is also showing that I owe money and I missed payments. My credit score dropped severely in addition to my the credit bureaus are showing that I have a debt that was already paid.
Consumer complaint received 2017-02-07
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (TX)

( No category above described the problem, so I picked the XXXX most closely related ... ) Transworld Systems Inc. notified me to collect a medical debt that I owed. When I tried to pay the debt online at the website the company provided, their server was repeatedly down over a two day period ( XXXX/XXXX/17 - XXXX/XXXX/17 ). I called during regular business hours to pay my debt over the phone, but my calls repeatedly went to voicemail, and no one ever called me back. 

This is deceptive. The goal of Transworld Systems Inc. seems to be to give people the false impression that they can pay their debt online or over the phone, then lull them into a false sense of security, so that when these attempts fail ( by design ), the deadline is too soon for a mail-in check to meet the deadline. In this way, Transworld can charge more interest.
Consumer complaint received 2021-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (NC)

Today ( XX/XX/2021 ) I received a Chase Debit/Visa Card in the mail. I did not apply or request this credit card. 
On XX/XX/2021 I filed a complaint with your agency for my husband on Complaint # XXXX due to the same issue but with a different bank. As a result of helping him with this, I placed a security freeze on my own credit reports with XXXX and XXXX on their websites and with XXXX through my personal XXXX account on XX/XX/2021. My lifelock account has been active for several years. 

In the past I was the holder of a Chase credit card, but it has been inactive for well over a year. 

I did not request this card.
Consumer complaint received 2017-10-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weinberg Mediation Group LLC (AZ)

XXXX is calling my friends and family and threatening legal action on a debt not mine. They have my information wrong and continue to call and harass my friends and family after being told to stop calling. 

XXXX/XXXX/XXXX - called friends and family XXXX/XXXX/XXXX - called friends and family XXXX/XXXX/XXXX - called friends and family
Consumer complaint received 2017-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

I mailed a request regarding Fair Credit Reporting Act ( FCRA ) 609 ( A ) ( 1 ) ( a ) to Experian credit reporting agency and received absolutely no response at all from Experian in regards to my requests.

Under FCRA 609 ( a ) ( 1 ) ( A ) I am entitled to the right to demand to see verifiable proof ( an original contract with my signature on it ) that credit bureaus have on file of the listed account below : Bankruptcy - # XXXX Despite my written request, the unverified item listed above remains on my credit report without any response to my FCRA 609 ( A ) ( 1 ) ( a ) request which provides Experian is required by Federal Law to provide through the physical verification of the original signed consumer contract - any and all accounts posted on my credit report. Otherewise anyone paying for reporting services to a credit reporting agency could fax, mail or email in a fraudulent account.

Below I have listed the details regarding the request mailed certified mail return receipt requested.

1 ) Mailed XX/XX/XXXX and the letter was received XX/XX/XXXX by a XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX