davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-23
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: DISCOVER BANK (TN)

I file a report with XXXX  and XXXX  on two accounts they are reporting on Discover and XXXX Mortgage both accounts are Fraud. I  send documents to both XXXX  and XXXX. They are both violating my right under tile 15 The 609 letter was sent to both companies on XX/XX/18 XXXX.
Consumer complaint received 2018-09-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Northwest Collectors Inc. (IL)

I get call all the time for a XXXX XXXX, I have told them that the number they have wrong and they are calling a business. I have received these message for years and asked them repeatedly not to call. They are Northwest Collectors @ XXXX.
Consumer complaint received 2018-09-24
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX Mr. XXXX XXXX Chief Executive Officer Bank of America Corporate Office XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX XX/XX/2018 Dear Mr. XXXX, This letter is to inform you that we, my family and I, are having a very unsettling experience with our Bank of America accounts. Our experience is not a single event, nor a personnel issue, nor an issue of miscommunication. It is an experience of fraudulent activities, malfeasance, poor corporate systems and lack of management accountability to customers. Please note that our experiences charge Bank of America with : Unauthorized asset transfers and account openings and closings Non-disclosure of unauthorized transfers by Bank of America personnel Blatant disregard of customers directions and instructions for all account activities Violations of fiduciary and ethical responsibilities Mismanagement of personnel accountabilities Biased review of complaints to favor Bank of America personnel versus the truth No authorization of transfer of money, opening nor closing accounts Fraudulent written authorization for transfer of money, opening and closing of accounts. We are inherently disappointed by the Bank of America employees who have dismissed our protests of  unauthorized transfers of money as misunderstandings. It is imperative for you to know that while we discovered fraudulent activities on our accounts, other customers who could be your family or friends, may not be as diligent. The fiduciary duty of Bank of America failed us and may be deceiving others.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation (OR)

In XXXX of XXXX I tested positive for XXXX, as did my entire family. Shortly after we all recovered in XXXX we all got the XXXX. Upon returning to work I immediately resumed payments or entered into various agreements to avoid penalties/interest/late charges. Aspire credit card sent me an offer on XXXX. I will attach the email. I then followed the instructions in the email and on XXXX I made a payment of XXXX to my account, as requested in the email. I then got an email confirmation that my payment was applied. I then logged on today and made another payment of XXXX, well over the minimum due. I noticed on my credit report ( s ) it shows my account as " closed ''. Nowhere in this email ( attached ) does it indicate by making this payment you are " agreeing '' that we will close your account, nor does it say anything about closing my account. I attempted to contact them directly via the chat option in my online account. I asked them to please correct what is being reported to the credit companies because this information is not accurate. They informed me that it is accurate, and they won't be changing it. This is unacceptable. It has devastated my credit score and I am trying to get a mortgage. I made every attempt to connect with them, I paid my account per the agreement sent me to, and none of this was noted in the agreement.
Consumer complaint received 2018-09-24
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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (FL)

Two 30-day late mortgage past due payments that were directly caused from Wells Fargo website malfunctioning. I have 3 mortgages with Wells Fargo and pay electronically every month prompted by a monthly alarm I have set on my phone. While trying to pay my XXXX XXXX mortgages electronically an issue occurred when Wells Fargo had changed their website in the XXXX/XXXX  XXXX timeframe. When I logged in and tried to pay, it would act as if it was processing the payment and then a prompt would come up saying " No Internet Connection '' and it did not give me a confirmation. I tried several times logging in and out, but it still gave me this message. I was at work and needed to go to my next meeting so I thought I would try again later from home. Unfortunately, I completely forgot and didn't realize until I went to pay the mortgages the next month. I then immediately paid them in full. This time it would let me pay the 1st mortgage, but when I tried to pay the 2nd one it gave me the " No Internet Connection '' message again. This issue went on until the XX/XX/XXXX timeframe in which I was required to log off and log back on to pay each individual mortgage, often having to log on and off more than once to get it to work per each of the 2nd and 3rd mortgages that I tried to pay. As of XXXX it appears to be working correctly and I have made no changes to the computer that I am using or the networks at work or home. I called Wells Fargo to explain my situation in XX/XX/XXXX and the customer service representative that I spoke with told me that it would not go on my credit report because I had caught it in time. However, I recently applied for a vehicle loan and the lender informed me that I had two 30 day mortgage past due flags from Wells Fargo on my credit report. Other than this issue with the Wells Fargo website I have been rock solid on payments for years usually paying within 1 to 5 days of the beginning of the month. With the aforementioned in mind I had respectfully asked that Wells Fargo remove the 30 day delinquencies from my credit report and after their review they denied my request. I would like assistance to get these 30-day delinquencies removed as they were directly caused by their website malfunctioning. 

3 Wells Fargo Mortgages : XXXX - XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, XXXX XXXX
Consumer complaint received 2018-09-24
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NY)

A XXXX XXXX credit card that was opened in XXXX was sold to a debt collector XXXX and I settled with them in XXXX of XXXX. In XXXX XXXX notified XXXX  and the account was deleted from my report but Equifax and XXXX  re aged account with severe derogatory status and I have been denied 3 loans recently.
Consumer complaint received 2020-08-20
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: TD BANK US HOLDING COMPANY (MI)

I have a loan with XXXX XXXX, TARGET/TD, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, XXXX XXXX, TARGET/TD, and XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2019-11-05
Product: Credit card or prepaid 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: Experian Information Solutions Inc. (NY)

Experian charged my XXXX XXXX {$170.00} on XX/XX/XXXX for what they claim is a 'continuity subscription ' I have no idea what they are referring to. I visited Experian 's website & searched for an account in my name. I discussed the matter twice with XXXX. I used current & old email addressed & found nothing for me. I search my correspondence archives & found a XX/XX/XXXX letter to Experian notifying them that a fraudulent application for cell phone service had been made in my name, likely resulting from a data breach at Experian on XX/XX/XXXX. I advised XXXX of this history & the Bank reversed the charge in my favor. I anticipate that Experian will claim their charge to my credit card was a continuation of the then free Protect MY ID service they offered me when I complained about the fraudulent cell phone service application. However, Experian did not have a subscription account on their website for me AND I did not receive any updates or notices from Experian from XX/XX/XXXX through XX/XX/XXXX. Also note that I have a subscription to XXXX XXXX with XXXX which provides regular reports on my credit information. Every four months, I request a free credit report from one of the top credit reporting agencies. Experian is next on my list. Experian is in a position of trust & this unauthorized charge is a breach of that trust.
Consumer complaint received 2020-06-02
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. (AR)

I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.
Consumer complaint received 2018-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MS)

I do not have a signed contract nor any contract with XXXX XXXX XXXX. I have never done business with this company. I am not liable for collection from this debt from XXXX. I am not responsible for this debt with XXXX XXXX XXXX.
Consumer complaint received 2018-09-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NY)

Lakeview Loan Servicing, by XXXX has been fraudulent with mortgage statements, payments made not being credited. All payments made on time with mortgage but payments rejected. Went to court and judge told them to waive all fees and we paid the amount due and they still applied payments to back fees. They are rejecting my mortgage payments and they continually are seeking foreclosure depsite the fact I have paid my own escrows and have provided them proof, they want me to pay back esrow monies on taxes I have already paid, they only want to take my money and apply to their made up fees.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Experian failed to remove and delete XXXX XXXX bank from my credit report, please reinvestigate multiple inaccuracies payment was never late payments and I am a victim of Identity theft. I have a fraud alert on my credit report please provide me with who investigate this issue and what methods they used
Consumer complaint received 2022-04-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NJ)

I have 4 collections from a debt collection company call XXXX XXXX That I don't recognize The original creditor was as stated in my credit report XXXX XXXX XXXX XXXX BUT I never been in no imaging office or any hospital therapy or nothing of the sort So is not accurate and it need to be removed and delete. 

XXXX XXXX {$68.00} XXXX XXXX {$66.00} XXXX XXXX {$66.00} XXXX XXXX {$110.00} None of this collections are mine and it need to be deleted.
Consumer complaint received 2018-09-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (OH)

Good Afternoon, I am reaching out for assistance as I have been attempting to work with Chase Bank in regards to a checking account that has been opened fraudulently in my maiden name ( XXXX XXXX XXXX ) and SSN. I reported this claim immediately once I had discovered that the account was showing in my online accounts on XX/XX/2018. Unfortunately this has been mishandled from the very beginning and I have been able to get very little information from XXXX in regards to the Identity Theft that had occurred resulting in the fraudulently opened an account. I am hoping that you will be able to offer assistance as I have missed work in attempts to resolve this and there seems to be very little progress. I recently received a letter stating I have 30 days to complete this claim but fear that I will be able to resolve the situation within this time frame as XXXX has not been able to tell me if they received the documents that I have sent as well as provided me incorrect instructions when I initially reported the matter. Any assistance that you can provide is greatly appreciated. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-07-09
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. (TX)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX, XXXX XXXX {$500.00} XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX {$350.00}
Consumer complaint received 2022-03-10
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. (MI)

in accordance with the Fair Credit Reporting act XXXX Account # 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 Dept of Ed XXXX
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

XXXX, Experian, and XXXX continue to report incorrect information on my consumer report. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX, FL  XXXX any other name or address is not correct and should be deleted to comply with federal law. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2024-03-19
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P. (DE)

A company called Resurgent has been emailing me daily about a debt that is over XXXX XXXX XXXX. Well past the XXXX. I want to know how to stop these people who have clearly bought old debt to stop harassing me. This isnt even my debt! I was just an authorized user on the account. This is unfair and clearly illegal.
Consumer complaint received 2023-01-24
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)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX MO XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX.
Consumer complaint received 2020-07-09
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)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX, NA XXXX {$500.00} XXXX   XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX {$350.00}
Consumer complaint received 2024-04-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC (NJ)

Hello, I am being contacted by a debt collector for a dental debt that I do not owe, and I am not going to pay. 
I have contacted this dental firm twice in the past year telling them I am not paying this debt. 
Back at the end of XXXX I asked this dentist several times on the phone and in their office what was the final amount I would need to pay for a XXXX XXXX for me after the insurance portion and previous payments. The dentist office told me {$950.00}. 
I was told this by a clerk in their office who does billing by the name of XXXX at XXXX XXXX XXXX. 
The bill collector is saying I owe {$230.00} to XXXX XXXX XXXX. Never heard of them!! 

I am going to attach correspondence that I sent to XXXX XXXX XXXX twice in the last year.
Consumer complaint received 2018-10-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (SC)

Wakefield & Associates is reporting 3 collection accounts that I'm not liable for. The original creditor states that the contract was cancelled. I sent a formal dispute along with my identity theft report to them and the credit bureaus but they still have not updated my report accordingly. I have done everything to show documentation of the facts which is that these collections are inaccurately being reported by this collection firm.