davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-25
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: EQUIFAX, INC. (GA)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-07-13
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: EQUIFAX, INC. (OR)

Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2018-06-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I began receiving calls from an unknown number on XX/XX/2018. The caller left numerous voicemails even after speaking to me. The caller stated that she is a process server and would be serving me at my home or job and instructed me to call XXXX with a reference number. The same caller left a message for me the same evening. This morning, XX/XX/18 she called again and left the same message. I called the number provided, XXXX and asked what company I was calling. He stated XXXX XXXX XXXX or XXXX. He proceeded to tell me that Bank of America was going to sue me for {$1400.00}. He said that I could either pay the amount in full or give a refusal after which XXXX Bank of America would proceed with a lawsuit. I stated that I would like to speak with Bank of America and he said he could not provide any contact number for his client. I advised him that I would still be contacting Bank of America. He then stated I needed to call back before the process server was scheduled to come out and serve me at XXXX today, XX/XX/18. The debt I had from Bank of America is 16 or 17 years old. It was reported on my credit by a bill collector and removed after the 7 year period. I no longer have any documentation because the debt is nearly two decades old. When I look up the phone number XXXX XXXX XXXX XXXX, it comes up as the number to a property manager. When I look up the business name they gave me, AXXXX XXXX XXXX, no business comes up, only the definition for XXXX XXXX XXXX
Consumer complaint received 2020-07-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bliksum, LLC (CA)

have received several phone messages from a phone number starting with area code " XXXX, '' both at my personal cell phone number and at my direct work line. I have not returned any messages as each voicemail was extremely vague and was suspicious. Today I received a memo from a co-worker to return a XXXX XXXX 's call at XXXX XXXX. I returned the call immediately, the phone was answered with the salutation " loss mitigation, '' and I asked for XXXX XXXX. XXXX XXXX came on the line and said he had to " gather some paper work for a complaint lodged against [ me ] '' with claim number XXXX ( I wasn't able to get the rest of the numbers and he did not repeat them when I asked ). He said he was from the legal department of a company called XXXX and wanted to verify my identity, he then proceeded to read out my entire social security number and my address and said " is this you? '' I was completely flabbergasted at this company 's lack of information protection practices and XXXX continued to badger on through the conversation and said " good, this is you. '' He then said they were retained by LoanMe regarding a debt I had and a judgement they wanted to pursue against me. I was not able to get a word in edge wise because XXXX continued to talk over me in an extremely threatening manner, he also mentioned a company called XXXX XXXX which I wrote down but again, he was talking right over me and would not repeat anything I asked him to, so I have no idea what he said regarding that company. I advised XXXX to please have LoanMe proceed with any legal proceedings they deemed necessary and asked to please not be contacted at work. He then proceeded to threaten me and said that my work was already involved because I would be garnished 25 % of my pay, along with several other threatening tactics meant to intimidate. He then terminated the phone call after saying that " If all [ I ] wanted to do is argue, [ I ] could end the call. '' I am extremely disturbed by these collection practices which are so far beyond illegal and would like this to end immediately.
Consumer complaint received 2018-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (CO)

I was told that i needed to move out of an apartment complex before my lease was up even though i was on time with my payments. I was told by the office at that time that there would be no fee for me having to break my lease early since my XXXX was why i had to move out. I have tried to get a rental since then and i can't because there is a XXXX collection from the apartment complex on my credit report. I have tried to resolve the issue but not gotten anywhere and i need a place to live.
Consumer complaint received 2021-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc. (FL)

National Credit System at XXXX XXXX XXXX XXXX, XXXX, Ga XXXX has been sending me collection notices in the amount of {$3900.00}. The collection has been reported as past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Consumer complaint received 2021-07-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

Debit card info was compromised, Chime bank will not provide provisional credit for unauthorized charges. Police report is filed and email with merchant stating charges were unauthorized and the merchant account is frozen. They missed a transaction and i had to file XXXX disputes ( dispute XXXX and dispute XXXX XXXX Smaller dispute was approved and bigger XXXX was denied multiple times
Consumer complaint received 2019-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (GA)

Claim XXXX My account was compromised and my information stolen there was a transaction done for a withdrawal in the amount of XXXX. I have filed a police report and it was determined according to the authorities that someone stole my information and withdrew funds from my account. Wells Fargo denied my claim within less than 24 hours without properly investigating the claim. XXXX the claims adjusters blatantly lied and said the claim was denied because the transaction was done in branch but it was actually done at the drive thru. When I called the branch and spoke with XXXX he stated there is no way to know where it was done and the drive thru and in the branch would both state the same. It is up to a Wells Fargo to investigate fully and provide their customers with adequate information regarding the investigation and not lie. As a customer I am appalled that my claim was handled unfairly and not according to banking guidelines and federal government regulations.
Consumer complaint received 2018-01-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (WA)

On XX/XX/2017, I purchased XXXX ETH ( Ethereum ) from Coinbase for a price of {$500.00} on my XXXX credit card. 

Since then, it has been marked as a Pending transaction for two months. In that time, the value of my purchase has doubled XXXX. 

I've opened 3 separate support tickets from XX/XX/XXXX to XX/XX/XXXX, and they have been unwilling to credit my account for the XXXX ETH I purchased. Eventually they just stop replying to my emails. 

They have already charged my credit card and taken my money, but will not give me what I paid for.
Consumer complaint received 2021-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NY)

Ive been a chase customer for years. Last year I close my account they said I had a bill of {$1000.00} and I paid the bill in full. I reopened my account because I like the banking app and they have a lot of locations. I tried to send money with XXXX and it got cancelled I called in the morning of XX/XX/XXXX to make sure it doesn't happen again and they tell me my account will be close. They said I shouldn't have an account since 2015 but I've been banking with them for years. It doesn't make sense and they won't provide me any information. They are also very XXXX on the phone.
Consumer complaint received 2017-11-29
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Kashia Services (OH)

On Tuesday XXXX XXXX, 2017 while at work I received a phone call from the vice president of the company in which I am employed stating he had received a legal matter involving me on his desk via fax. He forwarded me an email of the fax communication he had received from Kashia d/b/a XXXX XXXX  requesting an wage assignment. I stated to him I was unaware that any civil judgements or garnishments had been placed against me as I had not been taken to court for anything relating to such. It was requested that I follow up with a company that my employer follow up with a company called XXXX XXXX. Upon a simple internet search I learned that this was an unlicensed payday loan lender and that the contact information for both Kashia d/b/a XXXX XXXX and XXXX XXXX was vague at best.
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

My name is XXXX XXXX  XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. I need some help with my credit file there is a issue with my information not being correct. I am applying for a new job and need the right information reported on my file. My correct DOB is XXXX my correct SS is XXXX. 
My current and only employer : XXXX  XXXX XXXX XXXX. 
PLEASE DELETE THE FOLLOWING ADDRESSES THEY ARE NOT MINE : XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX The following numbers are not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I currently have a Capital One credit card. Recently, I was very ill, which resulted in a temporary loss of income, which resulted in my ability to pay my credit card bill for XX/XX/2024. The total amount of the bill that was overdue was {$8.00}. It was past the 30 days and Capital One reported the overdue payment as late to the credit bureaus. I have since brought my account current. I reached out them via mail and explained the situation and kindly asked them to remove the late payment reported on my credit bureau since that has a great impact on my credit score. They did not agree to do that, unfortunately, and stated that they reported accurately. Although it may be accurate, I feel that there are instances where certain situations allow forgiveness, especially since I have an impeccable payment history with this company and all other credit cards companies I have accounts with.
Consumer complaint received 2018-06-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BANKERS HEALTHCARE GROUP LLC (OH)

Bankers Healthcare Group, Corporate Headquarters, XXXX XXXX XXXX XXXX XXXX, XXXX, Fl XXXX XXXX XXXX I have received several letters offering working capital loan up to {$250000.00}. The letters includes a user name and password to activate this loan. This leaves me vulnerable to someone else activating the loan and identity theft. 

I sent a letter XX/XX/XXXX to the above address requesting removal from their mailings. I have since received letters on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX with user name and password. 

Based from on-line comments concerning this company I am very concern about identity theft. 

I am retired and have no interest in a loan. I am tired of multiple loan letters especially with user name and password, with risk of identity theft. 

I am also irritated that my letter of XX/XX/XXXX was ignored.
Consumer complaint received 2018-06-12
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: Experian Information Solutions Inc. (MS)

As of this month, XX/XX/2018, a Fraudulent/Unlawful Collection Account from XXXX XXXX XXXX was placed on my Experian Credit Report { See Attached }. On XX/XX/2018, I filed a complaint, through the Consumer Financial Protection Bureau ( CFPB ), to XXXX XXXX XXXX { See Attached }. The company responded back, stating that they are having this Collection Account REMOVED from my Credit File { See same Attached CFPB complaint }. This is the Second Fraudulent/Unlawful Collection Account placed on my Credit Reports since XX/XX/2018, within a six month period. I have already had the first Collection Account from XXXX XXXX XXXX removed. In this day and age, with Identity Theft booming, I [ the consumer ] would think that the Credit Reporting Agencies would have stricter screening processes before allowing NEGATIVE INFORMATION, like Collection Accounts, to be placed on Credit Reports. I have a Credit Lock or Credit Freeze on all three of my Credit Reports, but I am still receiving Fraudulent/Unlawful Collection Account Information. As of this date, the XXXX XXXX XXXX XXXX Account is only showing on my Experian Credit Report ; but I am also sending this CFPB complaint to XXXX and XXXX Credit Reporting Agencies for a HEADS UP!!!
Consumer complaint received 2020-07-13
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: WELLS FARGO & COMPANY (MN)

Back in XX/XX/XXXX I had been laid off and struggled financially the whole year looking for work at many places and took a few jobs that helped prolong my savings while I continued to apply for more positions. It was finally in XXXX of XXXX after my savings was depleted and the couple jobs I worked didnt bring in enough that I contacted Wells Fargo who we pay our mortgage through to let them know I am going to be experiencing a financial hardship and what can I do ahead of time so that I dont mess my credit up and have to go into foreclosure. They sent me to a department where I make smaller payments but they still marked me as late payments which I feel does not reflect my character and my financial habits which I am very responsible. Thats why I reached out to them ahead of time. I feel that under the circumstances I should have the derogatory mark on my XXXX score removed so my score can improve. I am purchasing a business with up money Ive saved up and would like to apply for a business credit card but dont want to apply until I know that once my credit takes a hard hit that it will be worth it.
Consumer complaint received 2020-01-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: LDF Holdings, LLC (FL)

I was born XXXX  and XXXX of my family members from the XXXX are here with me after the hurricane aftermath ( Hurricane Dorian XX/XX/2019 ) .They lost everything and unfortunately there is still no power, water, or basic essentials available at this time for them to live in the XXXX  . The recovery process is slow moving at this time. I am the only person in the house that's working. Even though they are great it is completely out of my budget and costly to help them in their time of need so I am asking for a resolution of loan forgiveness and to clear the debt.
Consumer complaint received 2018-06-12
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. (SC)

I have made several attempts to dispute inaccurate information on my Experian Credit report. I have sent several letters asking them to please send copies of documents that they have in their file to verify the accuracy of the accounts, and they have ignored all of my attempts in this matter. I am entitled to know this information, and have requested it several times. The only thing I get back about the account in question is account remains. 
I have also reached out to XXXX XXXX XXXX and asked for the same information and have failed to get that information from them, since they have been the ones that have supposedly verified the information. The account in question is XXXX XXXX XXXX Account # XXXX. I have no knowledge of this account, but because account is attached to an address that's already on my credit report, this is how they so called verified it. Experian has an address that is not even a valid address in the postal area in which its listed. I went to the post office to inquire about this address the manager advised me it was not even a valid address. they said because it was also attached to an account that is showing on my credit report it has to say.
Consumer complaint received 2018-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

Last month I requested an investigation because I felt the item was not being reported legally. Couple of days later I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! 
1. Please provide the name of the courthouse 2. The clerks name that you verified the dispute with 3. The address 4. The telephone number 5. The documentation used to verify the dispute Though none of these have been furnished. I have offered both XXXX XXXX and Experian ample amount of time to prove this and they haven't. At this point, I feel this should be deleted off my credit report.
Consumer complaint received 2018-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Last month I requested an investigation because I felt the item was not being reported legally. Couple of days later I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! 
1. Please provide the name of the courthouse 2. The clerks name that you verified the dispute with 3. The address 4. The telephone number 5. The documentation used to verify the dispute Though none of these have been furnished. I have offered both Trans Union and XXXX ample amount of time to prove this and they haven't. At this point, I feel this should be deleted off my credit report.
Consumer complaint received 2024-03-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Onity Group Inc. (PA)

I received a notice of denial due to previous requests for modifications during delinquency period. I have endured many hardships and the most recent being my XXXX XXXX. I have concluded treatment and asked for a modification now that I am back to work and medical bills have decreased. Asking for a last chance to modify my mortgage loan and remain in my home.
Consumer complaint received 2018-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: KEYCORP (ID)

Key Bank is falsely reporting that payments were made to a credit card Debt, on a card that was stolen. Payments have not been made for more than 8 years. I believe Key Bank is falsely claiming this to keep the account in an active status. Key Bank has reported the debt as charged off. In the attachments note where it reports last payment made XX/XX/XXXX, yet in the report it claims payments made in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. It is my statement that the reports of payment in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX are also false. Even more strange accounting as they claim {$150.00} payments, yet no change in reduction of the debt is noted. This is false reporting on my credit.
Consumer complaint received 2018-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/2018, I attempted to transfer ~100k of my membership rewards to a partner airline program so that I can book flights before a significant redemption devaluation that is coming up in a week. I was given a notification on the transfer page that my account is now under review to verify that all of my purchases " meet qualifying criteria ''. I don't have a clue what that means and AMEX has not yet given me an answer. I have spent a significant amount of money on this card under the presumption that I would be allowed to use my membership rewards without restrictions. I am currently unable to do anything with them and I have not been given any answers as to how this problem can be resolved. I am very frustrated with the ambiguity with which AMEX conducts its business and the lack of customer support when issues like this arise.
Consumer complaint received 2018-01-30
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC (IL)

I was contacted by this company who would only till me they were from ERC. I asked what this was about the guy refused to tell me. I told him to not call this number as it is a cell phone. I don't have any business with you and you do not have my permission to call. They called several more times after that one time being a lady who said sorry and hung up. I have only had this number for 6 months. I have never received anything from this company concerning a XXXX debt I know nothing about. This account was previously disputed though XXXX XXXX XXXX and found to be unverifable.