davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

To Whom It May Concern : I have recently been informed that there is negative information reported by US DEPT OF EDXXXX, in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I owe {$6000.00} and that the balance was updated on XXXX XXXX. This balance is incorrect. 
I challenge the accuracy for the third time, compliance and reportability of this listing. 
Please validate this information with US DEPT OF ED/XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Consumer complaint received 2016-04-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

After a year and a half working with HSBC mortgage on a loan modification, I was told that my modification was denied due to insufficient income. I filed an appeal and was denied a second time. In speaking to one of the representatives, I was told that my expenses exceeded over {$7000.00} per month which is incorrect. I was also advised by my counselor that my interest rate increased in XXXX 2016 from 3.25 % to 4.25 %. I was never notified of an interest rate change. During the modification process HSBC refuse to take my mortgage payments and now I am over {$25000.00} behind and facing foreclosure. This is my second time filing a complain, my first case was closed without any resolve.
Consumer complaint received 2015-11-02
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC (NC)

During the Rushcard glitch, I was without access to my funds for a week or more. I could not pay my bills on time which lead to me having to pay late fees. I could not withdraw money to eat, put gas in my car, pay a loan off, any many other things I needed to do. This ordeal caused a lot of hardship for me.
Consumer complaint received 2016-04-07
Product: Credit card — 
Issue: Late fee — 
Company: PNC Bank N.A. (NY)

PNC BANK, N. AXXXX XXXX XXXX, XXXX ) Lates : XXXX : XXXX, XXXX, ; XXXX : XXXX, XXXX, XXXX, XXXX. 
It was agreed that these late dates were incorrect and that they were to be removed and the account was to be closed.
Consumer complaint received 2022-02-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (CA)

Sequium Asset Solutions sent me a completely fraudulent collections bill for {$300.00}, ostensibly from XXXX XXXX XXXX. I paid the bill immediately thinking I had forgotten to update a new ATM card with XXXX XXXX XXXX. Sequium even contacted all three credit agencies to report the alleged default. 

I contacted XXXX XXXX XXXX the next day and XXXX XXXX XXXX said I owed them nothing and was not late on any payments. I called Sequium and they insisted the collections was legit. 

I contacted XXXX and they initiated a case with Sequium. Sequium was unable to provide any kind of proof and the alleged strike on my credit report was removed by all three agencies. I have contacted the District Attorney of XXXX XXXX, GA to inform them of this criminal activity by Sequium also.
Consumer complaint received 2017-10-13
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: ALLY FINANCIAL INC. (CA)

I leased a vehicle through Ally Financial, made all the required lease payments and turned in the car two months early, fulfilling my lease obligation. I then receive a letter from All saying I owe {$38000.00} as a " Gross Early Termination Amount '' so I immediately called them. Ally stated this letter was the standard/generic letter that goes out when a customer returns a vehicle and not to worry. I called a month later to follow-up on my final billing. Ally is telling me they ca n't issue a final billing until the car has been sold at auction. I have extensive experience with leasing vehicles, however always with XXXX XXXX XXXX who treats their customers like gold, and never with Ally. This policy of Ally 's seems to be illegal and I will never use them again.
Consumer complaint received 2015-03-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (IL)

PNC Mortgage forces me to pay {$7.00} fee each time to make a payment online, even if weeks prior to the due date. They either force you to bank with them, which I do n't. Force you to setup recurring monthly payments, which because I get paid bi-weekly, I do n't want to sign up for as I pay my mortgage early, but differently each month. The last option is to send them a check, which still costs me money because I do n't write checks.
Consumer complaint received 2016-09-22
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

I saw that there was a fee charged to my bank account out of nowhere for {$120.00} in processing for a Levy Order I was not told about. Originally I thought it was an unauthorized debit and I was going to have to change banks. I spoke to the department who handled court orders. They said they collected {$0.00} but charged me {$120.00} processing fee which was nowhere in the fee disclosure I received when opening the account. The account with the Franchise Tax Board has a payment arrangement to be cleared in XXXX 2016 that is standing on the system. When I requested the fee be reversed they refused stating that I need a letter from the Franchise Tax Board. When I called the Franchise Tax Board they said they do not call nor provide letters for errors when it comes to bank levy 's. I called the same department back and they refused again and said they get calls and letters everyday from the same department whose number they gave me.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (NY)

According to 15USC 1681s-2a AND 15USC 6801, 15 USC 6802 According to this laws this credit institution has violated my right and need to do the rights thig by deleting this charge off of my account because according to IRS
Consumer complaint received 2015-03-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc. (MI)

Have received 10-15 robo calls from XXXX at all hours of the day. They leave a recorded message stating to call United Collections Bureau at XXXX regarding a debt. I do not owe any money to any entity -- and know this because I check my credit reports regularly and my credit score is outstanding. I believe this is a phishing scam.
Consumer complaint received 2016-01-11
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY (MN)

I have received a copy of my credit report and observed that an American Express account is opened under my name that I did not authorize or open. This company has my personal information and account that I did not open. They also gave collection agencies my personal information. American Express should never have my personal information or allow an account to be opened under my name without my authorization. They should also sent my information to collection agencies. I also found out there is a judgment on credit report. I was not told by American Express that they sued me and to appear in court. I was not notified. I have never done business with company.
Consumer complaint received 2021-10-02
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: LEXISNEXIS (GA)

I contacted LexisNexis PER THE FAIR CREDIT REPORTING ACT Section 605A. [ 15 U.S.C. 1681c-1 ] to please place a security freeze on my information. I did not consent nor authorize LexisNexis, or anyone employed by this company to the share my information to the public, specifically with data aggregators who are looking to collect information on my behalf. This is a major violation of my privacy rights and demand to have my entire credit file REMOVED from their data institution. 

I would like to have my entire credit file REMOVED from LexisNexis data institution
Consumer complaint received 2016-05-04
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (MI)

Wells Fargos teller deposited a check made payable to me into a dealerships account without my notice or my signature. Please see the attached letter that I have sent as a final means of communication to Wells Fargo to stop the harrassment, roughly 10-15 calls a day and anywhere from XXXX-XXXX.
Consumer complaint received 2016-10-27
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: TRANSWORLD SYSTEMS INC (LA)

I HAVE TRIED TO CONTACT THE COMPANY FOR INFORMATION AND BALANCE, IT IS NOW WITH AN ATTORNEY COLLECTION AGENCY AND WE HAVE SENT XXXX CERTIFIED LETTERS REQUESTING THE SAME AND WE CONTINUE TO KEEP GETTING THREATENED WITH A JUDGEMENT AND WE HAVE SHOWED UP IN COURT SEVERAL TIMES AND THEY ONCE HAVE N'T SHOWN, WE CONTINUE TO CALL AND EMAIL WITH NO RESPONSE EXCEPT FOR A SEE YOU IN COURT
Consumer complaint received 2015-11-04
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (AL)

I signed up for an American Express Delta card that would issue me XXXX mioles if I charged more that {$1000.00} in the first three months. I more than exceeded that and have wrote them three times to get my miles. I have the terms and conditions which do not specify if you have ever had the card before. I have never got a response bsck from them.
Consumer complaint received 2020-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

To Whom It May Concern : I have recently been informed that there is negative information reported by US DEPT OF EDXXXX, in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I owe {$6000.00} and that the balance was updated on XXXX XXXX. This balance is incorrect. 
I challenge the accuracy for the third time, compliance and reportability of this listing. 
Please validate this information with US DEPT OF ED/XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Consumer complaint received 2016-09-21
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Integrated Recovery Services (TX)

XXXX called my sister told her " if I did not contact him that my job will be in jeopardy. ' I contacted XXXX asked why he was communicating my debt with persons other myself. he proceeded to threaten me by telling me he will put a lien on my mortgage and vehicles. He also stated that he will contact my boss to make sure he knew about the debt.
Consumer complaint received 2015-12-07
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

A letter was sent to Midland Credit Management in XXXX 2014, asking for validation of a debt, however they never validated the debt but what they did send me back was an offer for a settlement amount dated XXXX 2014. I continued to send them letters stating they have n't validated the debt with no response however they continue to report the account on my credit report. As recent as today, I have spoken with the following representatives XXXX XXXX, I was transferred to XXXX XXXX XXXX # XXXX in the Consumer Support Services Department not before he told me that there is a limited amount of time that I can dispute the account. I advised him that this is not correct. I requested to speak with someone in management where I was transferred to XXXX XXXX, Employee # XXXX, who stated he was in the escalation department. I advised him of my concerns which he was in no position to assist. I asked him to speak with someone in the United States as all previous people I spoke with were in XXXX. I was transferred to XXXX XXXX, employee # XXXX who after I explained to him the issues and violations he stated I could only request validation 30 days after receiving their initial letter. I advised him that this not the case and against the law as a consumer can request validation at any point. He stated that a supervisor that XXXX XXXX was not available. I disconnected the call.
Consumer complaint received 2022-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I attempted to buy XXXX XXXX tickets on XX/XX/XXXX through a company called XXXX for XXXX I never received my tickets for the game. I filed a claim with my bank which is Bank of America, claim number is XXXX. I sent to them all of my documentation of the transaction from begining to end. I waited the full 90 days for them to investigate. I spoke with them yesterday on XX/XX/XXXX and they told me there's is nothing they could do for me and I just lost my funds. What good is it having a cliams department that is not on your side. I never could get with anywhere with the merchant and I never got my tickets and the game was XXXX I feel scammed and used by the merchant and my bank. The claims department phone number is XXXX ... what can you guys do for me, thanks in advance. I have been a valued customer of BOA for years, I don't understand.
Consumer complaint received 2016-09-25
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: WELLS FARGO & COMPANY (MD)

I had a credit card with Wells Fargo. I am unsure if I requested it or it was given automatically. I had a credit limit of XXXX on the card and had a mortgage and my salary directly deposited into my checking account at the bank. I had no issues until some months later when I incurred a XXXX monthly fee. I inquired and was told that in order to not have a monthly fee I would need " direct deposit and a we credit card with a limit of at least XXXX. '' I told the representative that I met that criteria and then I was told that my credit limit had been reduced to {$1400.00}, unbeknownst to me. So the bank decreased my credit limit so they could start charging me a XXXX monthly fee. I was livid and still am, but it is time consuming and super frustrating to re-establish my mortgage and accounts with another bank, but boy would I love to do so. I have been paying this now for at least 2 years and thought I had no recourse.
Consumer complaint received 2015-04-20
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (TX)

XXXX XXXX ACCT. # XXXXMIDLAND FUNDING- ACCT. # XXXXThese are the XXXX debts that are also showing up on my acct. i need to know why they are there and the amount owed is so high
Consumer complaint received 2021-01-26
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. (FL)

My issue is with Equifax. I reached out to them at least 5 times in reference to some unauthorized inquiries on my credit report. I contacted them and the companies that submitted the inquiries. I also submitted and FTC report in reference to the unauthorized inquiries on my report and sent a copy to Equifax three times. Once by mail which they said they never received. Second the the dedicated fraud dept fax number I was given then a second time to the same fax number after I called a fourth time and they said they still didn't receive it. On the fourth call I spoke to a representative that said she saw my report and will delete the inquiries right away. I gave it two weeks only 2 of the 4 inquiries were removed. I called again and talked to a different rep who at first said they did not see my etc report of the page that had the specific inquiries in question. The rep placed me on hold then came back and said he saw it and will take care of the inquiries and delete them. Again I waited with no results. I called today and was talked to a rep that told me the FTC report was invalid even though the previous two reps told me they had everything they needed to delete the inquiries. I asked to speak to a supervisor and after being placed on an extended hold the supervisor came on and said they only received one page of my FTC report so it is invalid. Again this was after 2 of the 4 inquiries were already deleted now all of a sudden instead of my 3 page etc report they only have one page on file with no report number. the supervisor was rude and unhelpful and basically lied about the form that I sent in that obviously had everything on it. I asked if the calls are recorded and documented why she could not see the previous two conversations I had with representatives at her company that said they received the report and would delete the inquiries for me immediately. instead of her listening she talked over me and would not rerspond to my questions. The inquiries to be deleted are from XXXX XXXX on XX/XX/2020 and XXXX XXXX on XX/XX/2020. I will include my letter to them and the FTC report in this complaint
Consumer complaint received 2016-03-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Eastern Account Systems of Connecticut, Inc. (NV)

I received harassing phone calls from a debt collector by the name of " Eastern Account Systems '' based out of Connecticut trying to collect on an overdue account for " XXXX XXXX ''. It appears that XXXX gave out my personal information to this collection agency in an attempt to " phish '' for someone else 's delinquent accounts because we have a similar last name ( similar in last name ONLY! ) I 'm FURIOUS about this because for one - I did not authorize " Charter '' to release my personal information to ANYONE, and for two - they did not have " Just Cause '' to release my information. I want to know why this happened, and make sure that both of these Companies behave in a more professional manner by using accurate information - Also that they are not pursuing the wrong individual!
Consumer complaint received 2023-03-17
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. (CA)

My name is 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 companywithout 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 this account. 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 reportsno consent is fraud. Please remove this fraudulent account : XXXX XXXX XXXX XXXX Date opened XX/XX/2018 Balance : {$32000.00}
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: American First Finance, Inc. (TX)

THIS ORGANIZATION DID NOT RECEIVE MY WRITTEN INSTRUCTION NOR PERMISSION TO REPORT ANY INFORMATION REGARDING TRANSACTIONS OR EXPERIENCES AGAINST MY CONSUMER REPORT. REPORTING LATE PAYMENTS, CHARGE OFFS, AND/OR ALLEGED LOAN AMOUNTS CONSTITUTE TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THIS IS FRAUD. THIS ORGANIZATION HAD NO PERMISSIBLE PURPOSE TO PULL, NOR FURNISH, MY CREDIT REPORT BECAUSE, I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT, SO THEREFORE, THIS IS IDENTITY THEFT ACCORDING TO 15 USC 1681b ( a ) ( 2 ). I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681 ( a ) ( 4 ), AND MY PRIVACY HAS BEEN BREACHED.
Consumer complaint received 2022-02-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (NC)

TD BANK KEEEPS MAILIN ME OPEN ACCOUNT STATEMENTS I NEVER EVEN HEARD OF THIS BANK I WANT THIS CLOSED AND REPORTED ASAP IVE TRIED CALLIN THEM JUST MUSIC