davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Corp Solutions Inc. (NE)

A debt collection agency has been repeatedly calling family and friends to contact me when I never gave out the info of those people that they call. I 'm willing to talk to the agency, however they never make attempts to call my phone. Instead they keep calling third parties that are in no way a part of the debt nor should the agency have their numbers.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I was not asked for written consent for the obtaining of my credit report and was not given any copy of my rights under the FRCA. I did not receive any notice before the reporting of the negative information in addition the inaccurate information has yet to be corrected. Neither was I informed that the negative information was being reported. I did not receive the opportunity to opt-out of having my private information shared with third parties. Please delete the following information as soon as possible. I WAS AN UNINFORMED CONSUMER THEY DIDNT GIVE ME THE PROPER DISCLOSURE TO OPT OUT OF CREDIT REPORTING ( 15 USC 6802 B )
Consumer complaint received 2020-08-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC (SC)

The Complaint is against XXXX XXXX XXXX they are attempting to collect XXXX for me that I do not legally owe them because my information was obtain without my knowledge and an account was open using my information without my knowledge and without my consent.This account has been placed on my credit and is hending me from obtaining variety of things do to the negative information they are reporting to the credit bureau.I have reached out to them several times with disputes and also phone calls and they have been refusing to fix the issue
Consumer complaint received 2020-08-22
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. (MS)

This complaint is not filed by a third party. 

XXXX and TransUnion are fraudulent on my credit accounts DEPT OF ED/XXXX  is fraudulent on my credit Account # XXXX. XXXX XXXX XXXX is fraudulent on my Acct # XXXX. XXXX is fraudulent on my Acct # XXXX. XXXX XXXX XXXX  XXXX XXXX is fraudulent on my Acct # XXXX. XXXX is fraudulent on Acct # XXXX. 

These are fraud, I didnt benefit, apply for, and authorize these accounts.
Consumer complaint received 2017-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (TN)

Care Credit. The interest rate is so high that when I make a payment, my balance barely goes down. I pay  XXXX , it might go down  XXXX  dollars, but then there is a penalty for not paying off the balance the first year you have the card, so even the  XXXX  does not matter. I called the company several times and told them I am stuck in a loop of making a  XXXX  a month payment, but it never reflects in the balance, and they told me I should have read the fine print in the contract, I asked what contract, I applied on my phone. I ca n't keep making payments on something that will never be paid down, or paid off, I do n't know what to do about this.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

My student loans should be removed off my credit report STAT! Student loans on my credit are a violation of " FERPA 1974 '' per 20 U.S.C. 1232g ( b ).
Consumer complaint received 2022-09-14
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. (KS)

Under the Fair Credit Reporting Act, Metro 2 Compliance Guidelines, Credit Reporting Resource Guidelines Page 10-1 and 15 U.S. Code 1681n. I am demanding you remove this item immediately. XXXX XXXX XXXX XXXX XXXX account number : XXXX. This account is being reported illegally. If not removed immediately, I will pursue all legal remedies at my disposal. 
Accounts must be deleted for the following reasons : -Accounts which have been forwarded or sold to another entity ( Debt Buyer ) -Accounts numbers are not consistent across credit reporting agencies. 
-Willful Noncompliance. 

Disputed Items : 1. XXXX XXXX XXXX XXXX Experian Account XXXX : # XXXX 2. XXXX XXXX  XXXX XXXX XXXX Account XXXX : XXXX 3. Credit Reporting Resource Guidelines Page 10-1 Violation : Accounts that should be removed.
Consumer complaint received 2020-05-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ONEMAIN FINANCE CORPORATION (CA)

The company is One Main Financial, XXXX XXXX, CA. I got an loan and fell back in the payments. Due to death in family and the loss of wages. I receive up to 5 or 6 calls aday. They are harassing me. Remodifing/Refinancing my loan and extra additional interest fees/ charges. I always a month behind. It is causing me great stress to catch up. The calls are too much to handle. Please assist me on what to do. They are putting a {$260.00} payment on my debit card on the XXXX of XXXX. I needed this money for my household expenses. They wouldn't even defer any payments FOR THREE MONTHS, OR until this COVID-19 pandemic is over. XXXX XXXX XXXX
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: EQUIFAX, INC. (AZ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had a credit score of XXXX or better. A charge to a forgotten XXXX credit card was never billed for 3 months. My husband found the charge while making payments on another account. We were never notified about the original charge of {$10.00}, that ballooned to {$23.00} in 3 months. The charges were eventually dropped with XXXX, but the damage is done with my credit. 
I now have a XXXX score. That is not fair. I've worked very hard to maintain any and all of my accounts.
Consumer complaint received 2018-06-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (NV)

I spoke with Wells Fargo several times regarding a fraudulent charge on my account. A charge was reversed which caused my account to reflect a negative balance. XX/XX/XXXX. I initiated a dispute with wells Fargo reference # XXXX. I submitted documentation to Wells Fargo to support my claim on XX/XX/XXXX. An insurance company withdrew funds from my account without a legal right and without my permission several months ago. Wells Fargo refuses to investigate the incident. My insurance company, XXXX, sent Wells Fargo proof of my coverages to support my position during, before, and after the time that I was covered by XXXX. I am currently covered by XXXX. Wells Fargo has not provided me any information regarding my claim refused to refund my money and has closed my account as a result on XX/XX/XXXX. Wells Fargo has initiated collection efforts for this incident.
Consumer complaint received 2016-04-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I wish to report fraudulent activity committed by Bank Of America. In XX/XX/XXXX I received a FHA loan and financed my home through Country Wide Home Loans. In XX/XX/XXXX I refinanced my loan through Countrywide which lowered my interest rated from 6.95 % to 5.75 %. Countywide went out of business and my Mortgage was sold to Bank of America onXX/XX/XXXX. It was still a FHA loan and maintained the same interest rate. In XX/XX/XXXX I filed Bankruptcy and only added two late house payments. I continued to make my regular payments XXXX to BOA until XXXX/XXXX/XXXX during which time my payments went from XXXX-XXXX. XX/XX/XXXX BOA sold my loan to XXXX XXXX Loans with the same interest rate but unknown to me it was Transferred from a FHA loan to a Conventional loan. On XX/XX/XXXX my Bankruptcy ended and on XX/XX/XXXX I filed for a Harp Loan. I was contacted by Harp Loans and informed that in XX/XX/XXXX when BOA sold my loan to XXXX XXXX Loans they fraudently reported to FHA that my house had been forclosed on and collected money from FHA and XXXX XXXX loans for my home. I currently reside in my home, it has never been in forclosure, and I continue to make my payments to XXXX XXXX Loans and they are up to date and current.
Consumer complaint received 2020-07-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cedars Business Services, LLC (PA)

In XXXX I drove my Dad who is XXXX to an area near the square in XXXX XXXX. My Dad ancestors are from the area. He is XXXX and I sent a copy of the XXXX pass along with a note and the XXXX never responded and sent me to this debt collector. 

A year later I received a ticket for driving in a area without a authorized pass. 
From there I heard nothing unit Ceder Business Services harassed me about a {$480.00} debt by phone repeatably. The fee was {$180.00} that I originally received and responded to a year earlier. 

Today I receive a letter form the debt collector that states " We inform you that if you do not react to our request for payment, legal proceedings for coercive debt collection will take place.
Consumer complaint received 2020-07-21
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. (GA)

All of the proper documentation was submitted on XX/XX/2020 and the bureaus didn't respond within the 30 days allowed by law and therefore every fraudulent account should be removed immediately! I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.
Consumer complaint received 2021-07-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (TX)

XXXX XXXX was sold/assigned a debt that was/is already payed according to 18 USC 8. Moreover, although they have recently deleted this unlawful reporting from my consumer report, I am holding them civilly liable for each individual action under the Fair Debt Collection Practices Act. I have sent through certified mail a sworn affidavit of truth, invoice, and exhibits that prove each violation that I am demanding remedy for. Not to mention actual damages I sustained as a result.
Consumer complaint received 2020-07-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAINE & WEINER COMPANY, INC. (MD)

The company called Caine and Weiney called me several times, and I do not have business with them. They use forceful tactics and try to create a business relationship with me. They are trying ti make me do business with them. I refuse.
Consumer complaint received 2020-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (MD)

A debt posted to my credit report by this company in the amount of {$750.00} XX/XX/2020. I was not aware of it. But then it became derogatory in XX/XX/2020. 
They never sent me a debt incurred letter, They never sent an invoice. And they didn't send a collection letter Upon further investigation, I realized this was a debt I disputed with the same company about a year ago. I can not understand the greed and thievery that is motivating their deceit. 
I just attempted calling, with no results.
Consumer complaint received 2015-06-05
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Bank of America XXXX BOA XXXX continues to defy the CFPB and other governmental agencies including legislation. 
This is my XXXX separate complaint against BOA, apparently your office is simply a 'Horse and Pony '' show. This time BOA has found a way to manipulate legislation by charging {$65.00} for a returned check they do so by breaking it down into XXXX separate charges XXXX. {$40.00} for " Payment returned unpaid '' XXXX. " returned check fee '' I thought REALLY i mean are you kidding me ...! I had to break down laughing for the boldness and obvious lack of respect towards all governmental agencies. Let me give you a bit of insight on how all banks respond to the CFPB 's investigations. 
the CFPB contacts the bank ( let say BOA ), a representative from BOA emails or calls me apologizing but offers NO solution. I am always stuck filing lawsuits and dealing with this alone. By the way, I have n't lost a lawsuit yet against any financial institution or credit bureau ( XXXX ). However, it is time consuming and invasive. 
So you guys can continue to be ineffective or dig down and do what XXXX XXXX Americans continue to hope for. 
Additionally, although I have filed disputes with the credit bureaus and BOA, BOA continue to deliberately violate Fed. Law XXXX FCRA ) by confirming accuracy of debt DURING the dispute process. ( In other words, they do n't give a XXXX about policy ) In the meantime, XXXX XXXX we launched last year intending to educate voters and expose political XXXX focused in MICHIGAN. However with over XXXX XXXX registered voters in our data base we decided to go national ( website is currently under construction so we can handle the heavier traffic ). But to see our effectiveness you only need to research what happened to XXXX XXXX XXXX XXXX and guess who was responsible to exposing that XXXX! 
XXXX
Consumer complaint received 2020-07-21
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: FIFTH THIRD FINANCIAL CORPORATION (MI)

I would like to file a complaint and add Documentation of promises, guarantees, commitments, contracts and more I feel pertinent to my resolve against Fifth Third Bank. The Bank showed to my credit card account XXXX on XX/XX/XXXX the amount {$12000.00}. The charge was paid to XXXX XXXX   XXXX XXXX for XXXX XXXX Dollars and XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX Dollars. I would like evidence of their efforts in coming to a resolve to my concern. I would like evidence of how the bank applied Consumer Protection in my behalf. I have other banks which have been successful to satisfy my resolve by back charging the merchant to One Hundred Percent Satisfaction. A question I would like answered is Why Can't Fifth Third Bank Resolve My Concern? The bank can back charge the merchant five hundred forty days which Sundays and Holidays could be additional time if left out. Question : Did the bank try to respond to my concern in back charging the merchant within the allotted time? I made my complaint on XX/XX/XXXX which was in the time allowable to back charge the merchant. The bank may say they only go by bank policy which may be sixty or ninety days. Banks many times don't like to admit there is a merchant back charge opportunity to five hundred forty days but when confronted to fact they often times admit it does exist and they could back charge the merchant. The Bank also advertises They as Fifth Third Bank is sixty six point six times better than any other bank. How is that true? Question is, did they back charge the merchant? How much effort was applied to back charge the merchant? What evidence can the Bank provide me as proof?
Consumer complaint received 2020-07-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

We applied for a convention loan with a XXXX  Score of XXXX in XX/XX/XXXX. We were DENIED this loan due to FORECLOSURE documentation listed by Wells Fargo, on a property at XXXX XXXX XXXX XXXX XXXX, CA XXXX. Account XXXX XXXX. This loan was paid in full as per documentation from Wells Fargo, and per a settlement agreement in XXXX, which agreed to NO FORECLOSURE and DELETE THE TRADE LINE. A letter was sent to XXXX XXXX XXXX XXXX XXXX, with no resolutions. ( Letter Attached ) The reporting in VIOLATION of the Settlement Agreement has DENIED us a home loan.
Consumer complaint received 2020-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have a charged off account with capital one that was opened without my knowledge ; However I am taking responsibility for this account. I have no problem taking ownership ; On XX/XX/2020 I called capital one to try and resolve this and they didn't want to resolve it. The customer service agent did nothing to help or resolve this matter. Because this account was opened without my Knowledge I requested that if account was paid off in full will capital one remove or delete from credit profile.. Capital one refused payment and told me that I have to keep an account or trade line even if I don't want one with them, and deleting the account will never be an option even if don't wan na do business with them. This is completely unethical to force someone to do business with them and refuse payment but keep reporting negatively even though I tried to pay..
Consumer complaint received 2018-06-30
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Consumer Portfolio Services, Inc. (AL)

I obtained a new number about 6 months ago ... this company leaves constant voicemails everyday ... looking for a XXXX XXXX ... I have no idea who that is and I have explained that to them ... they hang up in my face ... they continue to call.. they argue with me about it not being the person they are looking for and at this point Im tired and ready to obtain a lawyer..
Consumer complaint received 2016-09-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

My dad passed away on XXXX/XXXX/2016. He had a checking account with Bank of America with a somewhat substantial balance. My dad was diagnosed with XXXX 2 years ago and decided that he would put my brother and myself as beneficiaries on the account. He did this with the understanding from the bank that upon his death my brother and I could go to the bank with identification and death certificate to get the funds. 
However, we did just that and Bank of America said they could not disburse the funds to us that everything had to go to their Estate Unit. The Estate Unit would review everything and if they felt everything was good they then disburse the funds. This could take up to 72 hours for them to review and then they would decide if they could disburse the funds. From a legal perspective the purpose if the POD/beneficiaries is so that you do n't have to wait to receive the funds. My dad set the account up this way so that we would have money to pay for the funeral. 
Bank of America thinks they can do whatever they want and make up any rules they want. No one should have to go through the nonsense we went through today to get the money that is legally theirs.
Consumer complaint received 2022-09-14
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. (KS)

Under the Fair Credit Reporting Act, Metro 2 Compliance Guidelines, Credit Reporting Resource Guidelines Page 10-1 and 15 U.S. Code 1681n. I am demanding you remove this item immediately. The XXXX XXXXXXXX XXXX XXXX account number : XXXX. This account is being reported illegally. If not removed immediately, I will pursue all legal remedies at my disposal. 
Accounts must be deleted for the following reasons : -Accounts which have been forwarded or sold to another entity ( Debt Buyer ) -Accounts numbers are not consistent across credit reporting agencies. 
-Willful Noncompliance. 

Disputed Items : 1. XXXX XXXX XXXX  XXXX XXXX Account XXXX : # XXXX 2. XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX 3. Credit Reporting Resource Guidelines Page 10-1 Violation : Accounts that should be removed.
Consumer complaint received 2020-08-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (AZ)

On XX/XX/2020 I made a full payment of XXXX dollars to midland credit management, also known as MCM or midland funding, to pay off a collections that I owed. I then contacted them the next business day because I got a notice of anunagreed amount of XXXX that is still reflecting on the account. The lad told me over the phone that the account was closed and that Id receive some verification/paperwork in 2-3 business days from the day that I made the payment. I havent received any paypaperwork Iam still seeing the XXXX as a charged amount on the account. During this time I went to dispute it on my credit report with XXXX which during this time I found that XXXX had been receiving wrong information on the account for months now. MCM claims that I havent made any payments and that the amount still owed is XXXX dollars. XXXX took MCMs side and informed me that the information that what was reported was accurate. Even though Ive sent them documentation of my payment/payments with MCM.