davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: WAKEFIELD & ASSOCIATES, INC. (WY)

Starting on XX/XX/2021 I received a phone call that the number popped up as unknown. Left a voicemail ( Never stating my personal name or what they are calling about ) stating they are Wakefield & Associates and to call them back at XXXX. Phone number after voicemail was received states the phone number they called from is XXXX. The same thing happened again on XX/XX/XXXX, and XX/XX/2021. 

I have also received phone calls that show up as spam risk/unknown at first and then after the missed call it states the number is XXXX as well on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2021 with no voicemail. 

To date ( XXXX ) I have never received anything in the mail from " Wakefield & Associates '' stating what they are contacting me about. Since they never leave information about what they are calling about or not receiving a written letter about what they are contacting about, I will not answer the phone calls or call them back personally since I don't know if it is a scam or what they will do with my information.
Consumer complaint received 2020-10-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

Normally my phone does a good job of detecting calls, and won't answer as spam. On some occasions, the phone will screen it ( XXXX XXXX ). 

On XX/XX/2020, at XXXX, I received a call. XXXX XXXX took the call screening. The person with the number XXXX, said they where " hi XXXX XXXX XXXX mother, '' so I took the call as I teach music lessons. Once I switched to the call, you can tell it was a call center, and I told them that they lied and impersonated someone to get me to take the call ; that I was hanging up and block the number. 

I have provided the audio of the call screen, and a screenshot of the written transcript.
Consumer complaint received 2017-09-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Hello, I called Bank of America today in regards to have them Remove two Negative remarks from my Credit Report. They told me that they could not accommodate my request because the reports are valid and must remain on my report. I explained why both the ref accounts were delinquent at the time the payments were made late. 
At that time ( XX/XX/XXXX of XX/XX/XXXX ), I had been advised by my XXXX XXXX XXXX when I retained them, ( XXXX XXXX XXXX  XXXX ), to Not Continue making payments to B.O.A., that they will handle things from that time forward.. Hence Bank of America placed the Negative reports.. To date, both accounts are caught up and both accounts have been paid on time with No Past Due amounts. 
Is there any possible way these negative remarks can be removed? 
Any help would be deeply appreciated.. Thank You _____________________________________________________________________ 1 ) XXXX - Bank of America - Acct # - XXXX Date Opened - XX/XX/XXXX Account Status Open Payment Status Current, was past due 90 days Status Updated XX/XX/XXXX Balance {$1100.00} Balance Updated XX/XX/XXXX Credit Limit {$1700.00} Monthly Payment {$34.00} Past Due Amount - XXXX Highest Balance {$6200.00} _____________________________________________________________________ 2 ) GOLD OPTION - Bank of America - Acct # - XXXX Date Opened XX/XX/XXXX Account Status Open Payment Status Current, was past due 60 days Status Updated XX/XX/XXXX Balance {$2200.00} Balance Updated XX/XX/XXXX Credit Limit {$9700.00} Monthly Payment {$55.00} Past Due Amount - XXXX Highest Balance {$18000.00} Terms Revolving _____________________________________________________________________ Creditor Information - BANK OF AMERICA XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2020-10-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

ARS is attempting to collect a debt that I have repeatedly notified them that I do not owe. This has been disputed and documented several times however they refuse to remove these debts from my credit report. I have requested validation and method of validation as well as disputed with the credit bureas yet these inaccurate and fraudulent debts continue to report.

I have no knowledge of who ARS is or any debt owed to them nor has any PROOF been submitted to me. In addition upon research on their collection agency, I found out that they are not registered to collect any debts in the state of Texas yet they continue to fraudulently post these alleged debts on my credit report stating that it meets FCRA requirements. These alleged medical debts also violate HIPAA privacy rights The alleged debts are as follows : ACCOUNT # XXXX {$560.00} XXXX {$930.00} XXXX {$930.00} XXXX {$480.00} XXXX {$130.00} XXXX {$200.00}
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (PA)

I was an authorized user on a credit card account. as an employee I used the credit card in the nominal process of my employment. The card used exclusively for company business. 
The card holder was an LLC that is out of business. 
The lender has put derogatory credit information on my credit report. I made contact with the bank. It seems like no one understands the point I'm making. I revive a chorus of I'm sorry without any progress.
Consumer complaint received 2017-09-25
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. (FL)

XXXX XXXX Card Service # XXXX XX/XX/XXXX XXXX reported the account as Charged Off and reported to the account C/O on XX/XX/XXXX.
XX/XX/XXXX XXXX sold the debit to XXXX XXXX XXXX that clearly sated in their letter to no longer communicate with XXXX. 
XXXX continued to report the account as C/O thru XX/XX/XXXX. 
XXXX no longer sent any form of communication. They never once confirmed or attempted to collect the debit because they had sold it off to the credit collectors. 
XXXX claims that they did not sell of my debit. This is false as they willing supplied information to the debit collectors. 
XXXX falsely reported to the credit reporting agencies that I still had a debit and that I was still in charge off status. 
XXXX at their own admission clams that they reported this debit but that there was no way for me to pay the debit and stop the charge off reporting. 
XXXX continued to report to the credit agencies that their was a balance due even though they no longer held the debit. The debit was sold numerous times over the course of the next four years. 
I have contact and reported this to XXXX numerous times with no logical resolve. 
This reporting has destroyed my credit and has preventing me from moving forward in life. My report to this day appears as if I charged off the account on XX/XX/XXXX when in fact the account was charged off on XX/XX/XXXX.
Consumer complaint received 2020-05-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by

my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. Likewise, these COLLECTION ACCO
UNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2022-07-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

I submitted an online joint checking account application on XX/XX/2022, in advance of getting married on XX/XX/XXXX, pursuant to an introductory offer stating that if I submit a certain amount of money within 20 days I qualify for a bonus payment. I never heard back from Citibank that it was opened until I arrived back from my honeymoon on XX/XX/XXXX with a debit card sitting in my mailbox. On XX/XX/XXXX I called them up to see if my account was opened and they said yes, on XX/XX/XXXX, which coincidentally caused the introductory offer to have no bonus eligibility passed XX/XX/XXXX. I explained to XXXX levels of customer service that if Citibank had never let me know when the account was opened, how I am supposed to know when the 20 days begin. I asked for the 20 days to be reset to the day I was alerted the account was opened, which was today, XX/XX/XXXX. They said they couldn't do that, nor could I apply again because I am now considered a customer of Citibank because my account was opened. They claim they sent me an email on XX/XX/XXXX, which I never received, nor do I suspect was ever sent. I believe this to be fraudulent marketing and an inducement to onboard clients.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc. (MD)

I.C. System, Inc. 
XXXX XXXX  XXXX XXXX, XXXX XXXX, MN XXXX NOTICE TO CEASE AND DESIST ACCOUNT : XXXX Original Creditor XXXX XXXX XXXX You are hereby notified to immediately cease communications and reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 
I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law.

Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report.

Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency.

IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 


Sincerely, XXXX XXXX
Consumer complaint received 2020-10-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc. (TX)

XXXX XXXXXXXX is reporting that My account is open and showing me late on Payments. The Account is closed and has been Sold to The Offices of Credit Management , LP  XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ( XXXX ) XXXX My Reference number with Credit Management is # XXXX. 

I have asked for Documents regarding this account and they have refused to send me anything. 

I am willing to clear this up and make payment arrangements, however this does not seem legit.
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX IS REPORTING AN ACCOUNT ON MY TRADELINES THAT I AM DUSPUTING. I SPOKE WITH A CUSTOMER SERVICE REPRESENTATIVE NAMED XXXX ON XX/XX/2020 WHO STATED THAT THIS COMPANY DOES NOT HAVE THE ACCOUNT. IF THEY DON'T HAVE THE ACCOUNT HOW ARE THEY REPORTING LEGALLY?
Consumer complaint received 2020-10-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Experian Information Solutions Inc. (NY)

I tried to get my yearly free report from Experian earlier this year and their site forced me to pay to get it. Now, they have been charging me XXXX per month for a monitoring service I am not even using. 

I tried fixing it online with no luck, and they do their best to make their phone system as complicated as possible. For all of the money that flows through their company, they should be able to fix their problems. Also, I can cancel my card, but then I have to change my auto deductions on all of my accounts. Experian, pay me back and stop fleecing the little guys.
Consumer complaint received 2020-10-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BBVA FINANCIAL CORPORATION (FL)

When making a loan with a down payment of less than 20 %, an additional cost called the PMI was included and a charge of {$220.00} per month ( as additional insurance ) 4 years ago ( XXXX ) I made an investment of {$100000.00} in a new building on the property. Which considerably increased the value of it and 1- Two years ago ( XXXX ) I paid for a home appraisal to evaluate and eliminate the amount of {$220.00} from the PMI. 
I requested a list of certified home appraisal companies by the bank so that I could choose the company and they arbitrarily sent a home appraisal that I evaluated in favor of the bank and the number was below and they denied the request to reduce the {$220.00} A copy of the assessment, the calculations and a letter was requested because he had refused and they never sent it. 

2- Since XX/XX/XXXX I have called twice requesting the bank : A- overpayment reports in the escrow account B- Debt balance analysis with the assessment for the elimination of PMI {$220.00} always indicates that they are going to be sent to me and they never send it. 

Comment : The payments issued in the two years have already reached the estimated total of 80 % of the appraisal of 2 years ago. In addition, the property acquired value in those two years with a community of around more than 3000 new houses. I do not see that the bank has the intention to evaluate this request and looks for excuses not to eliminate this additional charge of {$220.00} If i am wrong just we need the paper to explain to me the calculation. the the bank have the responsability to show me that document from the beginning.
Consumer complaint received 2020-10-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MEGASTAR FINANCIAL CORP (CA)

XX/XX/29 spent 1.5 hours on phone with loan service company trying to resolve. This company has put me on a restricted payment status with no missed monthly payments. All that I requested is to be able to pay online and to have no restricted payment demands imposed on me. While on hold with company I spoke to three representatives and was transferred multiple times having to explain the situation each time. When transferred to supervisor I was given a voicemail inbox. If the company successfully imposes certified check demands on me the cost of certified checks is {$8.00} each which effectively makes my loan {$2800.00} more expensive over the life of the loan. I am also on XXXX XXXX and was never given warning of restricted payment status where I can only pay by certified check. This company is literally making my life so difficult all while on XXXX XXXX in an already stressful environment. Because of this companys inability to resolve this problem I will be submitting CFPB complaints daily until this company is responsive.
Consumer complaint received 2022-04-08
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. (MD)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2020-05-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NC)

I had fraudulent activity on my account, with my Wells Fargo Checking Account and they refuse to investigate in which closed my account. The amount XXXX, I have called on several occasions with agents telling me there is nothing they can do. This is now reporting on my credit report. I have had extensive communication with WF, with no help or support, this has been devastating as during this time, my family and I are are not in a good place with family illness.
Consumer complaint received 2020-01-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: C/C Financial (TN)

I established an agreement in XXXX to make payments via auto draft monthly. I was invited via email to take advantage of some payment arrangement options. I called in XXXX to accept the arrangements and make the payment requested. The first payment was made on that call. I opted in for the payment to be auto drafted from the account as they required. The collection calls and emails never stopped. Even after I made the payment in XXXX the company sent another collection email during the same month. The company send emails and calls me as well as my references weekly. I called into customer service and stated that if I'm currently in compliance why are the collection efforts continuing. I was advised that it's on auto dialer and there's no way to stop the calls and the only thing she could offer me is removing my references. I asked for a supervisor or member of management and I was told that there is no one available and I'd have to wait for up to 48 hours to be called back depending on what the issue is. I asked for a email or point of contact to request a resolution and I was advised that the option requested is not available. In addition to the continued collection attempts the company is reporting my account as late to the credit bureau monthly. They have reported my payment as being late to the credit bureau for XXXX as well as XXXX and the company has auto drafted my account on the date selected both times for payment as they required per the agreement.
Consumer complaint received 2020-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there Use this reason if you have never lived at this address or received mail there. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there Use this reason if you have never lived at this address or received mail there. 
XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there Use this reason if you have never lived at this address or received mail there. 


XXXX XXXX XXXX  XXXX Potentially Negative Status Collection account. {$230.00} past due as of XX/XX/XXXX. 
Account Type Collection Balance {$230.00} Date Opened XX/XX/XXXX Dispute XXXX  XXXX XXXX XXXX Potentially Negative Status Collection account. {$240.00} past due as of XX/XX/XXXX. 
Account Type Collection Balance {$240.00} Date Opened XX/XX/XXXX Dispute