davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-03
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION (WV)

On XXXX XXXX, 2016 i made a deposit of XXXX to my checking account. My posted balance was XXXX. As i continued from XXXX XXXX using my checking account my balance as of XXXX XXXX, 2016 was XXXX. On XXXX XXXX sometime around XXXX to XXXX i went to my local gas station to withdraw XXXX. I knew when i withdrew this money my checking account would be in the negative and i would be responsible for the overdraft fee, which would put my account around XXXX overdraft fee included. XXXX XXXX i looked at my account to see if the overdraft fee had been posted, my account was negative over XXXX. I was charged XXXX in over draft fees on transactions i was shown had already cleared ( earlier in the week ) I was charged another XXXX for transactions which were made prior to the XXXX atm withdraw and were shown to be cleared. On my bank statement it shows these transactions being withdrawn on XXXX XXXX and the atm on XXXX XXXX. I do not feel I am responsible for the overdraft fees ( especially when my account shows they were withdrawn ) when the purchases made prior to the atm withdraw were clearly covered do to the deposit on XXXX XXXX and these transactions were made prior to XXXX XXXX. I was also informed that BB & T does not do any transaction Thursday through Sunday which is false for i have proof of several transactions being deducted on Thursdays and Fridays. Ive tried contacting BB & T by walk in and by phone and no one will help me understand why i should be responsible for these fees. I am on a limited income and a single mother of XXXX children. This has financially drained me this month for i am unable to pay my bills due to these charges.
Consumer complaint received 2015-06-08
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: Creekside Recovery And Capital Management (CA)

On XXXX different occasions a person who identifies himself as " XXXX XXXX '' leaves a very intimidating message for someone ( not me ) that they " had better be at '' and leaves an address to receive paperwork he has. He left the phone number XXXX if I was not going to be available. I contacted this number and spoke to XXXX different individuals, telling them I was not the person they were looking for and wanted my contact information removed from their data base. They refused to do so. XXXX of the phone calls was at XXXX XXXX. I have read on an internet search that this is a very standard practice for this company, please do something about it - Creekside Recovery and Capital Management.
Consumer complaint received 2023-03-30
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-05-21
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. (PA)

On XX/XX/XXXX I entered a consumer credit transaction in which I was the creditor and extended credit to XXXX XXXX through my open end credit plan Pursuant to 15 USC 1602 ( g ). XXXX XXXX then disclosed my nonpublic personal Information directly to a third party with out providing me with a notice or opportunity to exercise my right that such not be disclosed. Pursuant to 15 USC 6802 ( b ) XXXX XXXX has used interstate Commerce for the purpose of fraud and are in violation pursuant to 15 USC 77q ( a ) ( 3 ). I sent and letter on XX/XX/XXXX to XXXX XXXX to receive a copy of the original contract to validate this alleged debt. To this day I have not received a response. XXXX XXXXhave reported this Information to the credit bureau stopping me from receiving service or goods, while oppressing me and harming my reputation violation Pursuant to 15 USC 1692d ( 1 ). XXXX XXXX has taken cash payments in an CONSUMER credit transaction and has used Unfair practices to try to collect alleged debt charging interest and late fees violations pursuant to 15USC 1692f.
Consumer complaint received 2017-04-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (MO)

Hello, I have this auto debt on my c redit from Chase auto in a collection status. Chase auto has reported on my credit and it has effected me getting qualified for a Va Home lo an.   In the month of  XXXX    XXXX   I was trying to open a bank account with  XXXX   XXXX   XXXX   XXXX  but was denied due to bad debt. So after obtaining my credit report in  XXXX    XXXX   I saw this alleged account on my report.   On  XXXX   XXXX    XXXX   I wrote to cha se (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , AZ  XXXX  ) auto finance asking for the amount owed on this account, and offered to settle this account in exchange for the original instrument of indebtedness in its original form. I heard no responsefrom this letter.   I waited till  XXXX   XXXX    XXXX   to write chase auto again. On that day i offered again to settle the account in exchange for the original instrument of indebtedness in its original form. If no responsewas received by  XXXX   XXXX    XXXX   I wouldhave considered the account legally and financially settled.   I have recently received a phone call  from Chase  on  XXXX   XXXX    XXXX   during my work hours where in my letter on  XXXX   XXXX  I requested no telephone communication be done only mail.  Chase auto has not provided me any contract with my signature on it in accordance with the UCC article 3 Part 4 which they assume I am liable this de bt and currently still report it in erroneous on my credit report.
Consumer complaint received 2022-09-05
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 — Their investigation did not fix an error on your report
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and delete from erroneous reporting in my file are listed on my credit report : SCHOOLSFIRST XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, SCHOOLSFIRST FCU XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, SCHOOLSFIRST XXXX Date Opened : XX/XX/XXXX Balance : {$530.00}
Consumer complaint received 2016-02-05
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC (FL)

I have an outstanding derogatory balance on my credit card statement, while I have been on-time with close to XXXX % of my payments that I have ever been bound to. This debt collection company has never made an attempt to contact me via phone, mail or any other means of communication.I suspect that the balance has been subject to excessive charges if it is in fact my debt or it is a debt that is due to identity theft or other unauthorized activity.
Consumer complaint received 2015-10-14
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

CAPITAL ONE BANK USAACCOUNT NUMBERs : XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXPHONE : XXXX FAX NUMBER : XXXXDear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify CAPITAL ONE BANK USA or any company associate with this account # XXXX, **************** and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act XXXX FCRA XXXX. The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : CAPITAL ONE BANK USA or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX XXXX SS # XXXX DOB XXXX XXXXADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-03-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (IN)

I received an order to answer interrogatories along with a letter dated XXXX XXXX XXXX, from the HR department at my job. It asked for salary information for a person with a name I've never used at an old address. I thought it was a scam and ignored it, because I knew that I would need to be served if anyone was suing me, and had never once had any communication about a debt or a lawsuit. Then they started garnishing my wages on XX/XX/XXXX. A week later, on XX/XX/XXXX, I received a notice and a letter from the HR department at my job, dated XX/XX/XXXX, that my wages would be garnished starting with my XX/XX/XXXX paycheck. These are the only two communications I received, ever, about any lawsuit against me. 

When I looked up the case number, this case has been ongoing since XXXX, and I have never once received any notice, have never been served, have never received a single letter or phone call about it. All the times the attached case summary shows I have been served are blatantly false. I don't know where this debt came from. I don't know what it is for. I do not believe I owe it, and I have never been given the chance to dispute it. I will be obtaining the services of an attorney.
Consumer complaint received 2023-03-30
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: EQUIFAX, INC. (NY)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX Open Date XX/XX/2015 Balance : {$500.00}
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.
Consumer complaint received 2015-06-12
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (NY)

XXXX '' HI opened a credit card with American Express on phone and was told that if I get approved I shall get the bonus points after fulfilling the requirements which I did. In course of fulfilling my requirements I asked few times if I shall get the bonus points and I was told yes by the representatives. After fulfilling my requirements I asked for the bonus points and I was forwarded to a supervisor who told me that as I previously had this card and even though I never got the bonus but I cancelled it I wo n't be getting the bonus. 
I humbly think that this is not right and not fare as the bank should not had issued me the card first place and the representatives should had warned me that I wo n't get the points. Doing so only after I fulfilled my requirements and being told by the representatives is misleading and leaves a very bitter taste and feelings. 
If I do n't get the promised bonus points I feel myself free to pursue other justice options
Consumer complaint received 2015-03-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (CT)

I do not know who these people are but they continuously call my house and NEVER leave a message. This past XXXX, XXXX, and XXXX alone they called XXXX times. Friday XXXX/XXXX/2015 at XXXX, XXXX, XXXX, and XXXX. Saturday XXXX/XXXX/2015 at XXXX, XXXX, XXXX, and XXXX. Sunday XXXX/XXXX/2015 at XXXX, and XXXX. I believe this is harrassment and if the matter does not get resolved I would like to take legal action.
Consumer complaint received 2017-01-03
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: TRANSWORLD SYSTEMS INC (MO)

The company contacted me at work. Ive never heard of this company in connection with my student loans. I have also never received information from the original debtor or the company so that I may verify the original debtor contacted this company to use their services regarding my student loan.
Consumer complaint received 2016-07-09
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (OH)

I filed a dispute in XX/XX/XXXX it is not XX/XX/XXXX this is disbute is for {$160.00} that was used while I was in XXXX they say I swiped my card for tickets at the XXXX XXXX ticket stand in XXXX XXXX I am treated rudely every time I call and inquire on my disbute
Consumer complaint received 2015-03-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (LA)

THIS IS NOT A DUPLICATE COMPLAINT!! THE LAST TIME I FILED THIS COMPLAINT, IT WAS MARKED AS DUPLICATE AND THESE ARE XXXX SEPERATE COMPLAINTS AND CONTAIN XXXX DIFFERENT ACCOUNT NUMBERS. Midland Credit Management is reporting late payments of 180 days plus during the months of XXXX, XXXX, XXXX, and XXXX. Midland Credit Managment is a 3rd party collection agency and they are not allowed to report late payments to any of the credit bureaus, however, it seems as though they are getting away with it by reporting to XXXX and XXXX only that an account with them is 180 days late. I 've tried on numerous occassions to get this fixed and have been unsuccessful. I 've requested statements and/or a contract bearing my signature and they 've yet to respond with anything I 've requested. Instead they continue to send the same responses over and over as well as setlement offers and I 'm not paying for something if I do n't know where it came from.
Consumer complaint received 2017-02-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (MS)

the lender is in violation of RESPA and Dual tracking guidelines - the clients file is with the underwriters and was deemed a complete package as of XX/XX/2017 and the lender is still proceeding with an active sale date of XX/XX/2017 - this sale date if the client is denied for a mod within the next 30 days does not allow the proper time frame needed to submit an appeal on the clients behalf.
Consumer complaint received 2015-10-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (IA)

I kept getting a error at the end, telling me the " tell me more '' page had a error. That was my last and final error before reading that I was unable to get my report and had tried the maximum number of tries. I also got XXXX captha ( sp? ) wrong but this could not have been because I double checked each time and what I had typed in was exact to what was presented. I would just like to get my report without having to mail in for it. 

My husband is unable to get his online too.
Consumer complaint received 2016-05-07
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (NJ)

I refinanced a home of 7 years under a HARP program with Wells Fargo. 
During the life of my old mortgage, with Wells Fargo, I had never been late once with a payment. At the time of securing the loan, I was assured that my PMI ins. would not be " reset '' as I had only about {$20000.00} more of principle left to pay and then the PMI ins could be stopped. After, I found out that my property had been revalued lower and my PMI restarted. I now have about {$40000.00} left of principle before PMI ins can be stopped.
Consumer complaint received 2016-08-20
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (NY)

Since XXXX I have been dealing with citimortgage on modifying my mortgage through a program named naca. Since the time this has the company that citi was originally dealt with has lost my paperwork, changed representatives, and made me start the process over multiple times and asking for the same paperwork over and over that already existed within their system. I have suffered illness in the process and still was able to show income, promoted to a new job and salary and still declined. I was advised not to send a payment to citi at the time this all begun as I was told that they would decline the payment until the modification has been approved. Here I am now 6 years later, and citi wants a reinstatement payment of {$80000.00} or my house goes up for sale XXXX XXXX, XXXX. I have been given the run around from citi in more than one way and have been through the steps providing them with everything they have asked. I have emails from XX/XX/XXXX with my contact with all representatives, and the citi rep say she sees in her system that I have been trying to have a modification done since XX/XX/XXXX. With every decline my amount down goes up and the ability to start paying declined. Now they want {$80000.00}. I am a working father, married with XX/XX/XXXX kids and they are forcing me out of my home. I have saved money through all of my hardships and even while having my check garnished and tax returns taken I still have money to cover our mortgage payments for a entire year without touching my biweekly check. Somewhere something was n't done to help us, but through continuous restarting, re-requesting the same paperwork, and changing representatives we have gotten the raw end of this deal and will not become another foreclosure statistic.
Consumer complaint received 2015-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I sent in all my personal information to equifax with proof of who I was and address and they have n't sent me my credit report so I can see what 's on my credit. I put a fraud alert out too cause some of the dealership was letting me know some thing that was listed on my report when they check my credit. I told them that someone had been using my credit
Consumer complaint received 2023-03-30
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)

The Account I am disputing do not relate to any transactions that I have made or authorized. Please remove this account at the earliest possible time. Also, I have doubts about the accuracy and the reported payment history on this account is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information.

XXXX XXXX Account number XXXX
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. I demand to DELETE the following accounts from my Credit Report!. 

XXXX. XXXX XXXX XXXX # XXXX {$9300.00} XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-10-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been a victim of identity theft and have filed reports with local law enforcement as well as the FTC. In relation to this identity theft, I have submitted fraud claims with Bank of America for unauthorized funds that were taken from my business accounts. Bank of America has refused to honor these claims in light of the aforementioned identity theft, even though the funds are FDIC insured.
Consumer complaint received 2016-01-15
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Bank of America had our mortgage when I lived at XXXX MI XXXX. Bank of America was fined by the USA for unfair mortgage practices. The United States government had to decide whether to bail them out or shut them down. The government bailed them out because their unfair mortgage practices ended up with thousands of unfair forclosures. Bank of America sent me a settlement check for the unfair mortgage issue on that house. I had already moved to XXXX XXXX, XXXX XXXX XXXX, MI XXXX. That is where Bank of America mailed the check to. The city of XXXX MI had bought the house at XXXX , MI XXXX from Bank of America . Then the city of XXXX sold the house.