davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I made several deposits using my Bank of America Debit Card Account with online gaming companies in what turned out to be located in foreign countries. The charges showed up on my account statement under many different names that I did not recognize ( XXXX, XXXX, etc ). I have since learned online gaming companies such as XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, use pass through accounts for accepting deposits from players. After these deposits were accepted by the three companies listed above, I won a little bit of money. All together the winning amount is about {$500.00}. I made a request to withdraw the money from all three and it was denied by all three companies because I could not show proof of having a utility bill in my name. I tried sending everything to them and they still refused to give me back any part of the money I won or deposited with them. I thought of the CFPB and visited your website and read about how to report the transactions as charge backs to the bank. I submitted a claim ( fraudulent activity report ) with Bank of America and after 15 days I received a response telling me the claim was denied. I do n't know where to go from here so I am hoping you can help me get this resolved. All I want is for Bank of America to reverse these debit card transactions made to these companies. I do not want Bank of America taking a loss, I just want the transactions charged back. I have very little emails and communications with these companies as they will not put anything in writing. I am attaching a few copies of emails as proof to show I tried to withdraw the money and they refused to send it to me. This is not a case where I lost all my money and want the transactions charged back. To me that would be unethical.
Consumer complaint received 2017-11-20
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: Fidelity National Information Services, Inc. (FNIS) (PA)

An initial dispute of the items on my Chexsystems report was made on XX/XX/XXXX. Included in the results of that dispute was an account for XXXX XXXX XXXX showing that I owe XXXX. The only validation made for this account is a statement made by the bank that " additional negative activity took place increasing the balance to {$470.00} at the time of charge off. '' On XX/XX/XXXX, a 2nd letter was sent to them asking for the documentation supporting that statement. Their response ( received on XX/XX/XXXX ) is attached ; however, again, no proof of the debt was included ; they simply restated the same thing. Please delete this account from my report in compliance with Section 611 of the FCRA which states unverifiable or inaccurate information must be deleted from that file of the consumer.
Consumer complaint received 2016-12-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (IN)

I have been having problems with this company called Enhanced Recovery LLC collection agency. They have been continuing a collection on my account for awhile even after I have explained to them I do not owe this account. I have asked them to give documentation with my signature proving that I am the owner of this account, they refuse to. I have been dealing with this company for awhile and want them to remove this inaccurate information as it is hurting my character and credibility. This company can not send me the original contract proving this debt to be mine. I want them to remove this inaccurate collection off of my credit report immediately.
Consumer complaint received 2021-11-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

PORTFOLIO RC is reporting that I owe {$130.00} on my consumer credit report. I do not know this company. I have never done business with this company. I have never signed a contract with this company for anything. I have never given permission to anyone verbally or in writing to pass my information to this 3rd party company.
Consumer complaint received 2019-03-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

I am a freelancer and I created a PayPal account so I could receive direct deposits from XXXX. I also have sub-contractors that I used to pay directly through PayPal using those funds I have earned from XXXX. This has worked for a few weeks, until PayPal asked me for " verification ''. I had uploaded the necessary documents, ID 's, proof of address, and explanations of transactions. Shortly after PayPal permanently disabled my account, and told me that I am unable to withdraw my finds for 180 days. 

Holding my direct deposit funds for 180 days is theft. I have bills that need to be paid now and I RELY on this income. PayPal 's reasoning is that " we have to hold these funds in case they are disputed ''. This is absolute nonsense because these funds are DEPOSITS I HAVE EARNED BY LEGALLY WORKING. I understand if I was selling products or other goods, but that is not the case. There is a 0 % chance that XXXX will dispute the payments they have made to me. Since they have released my payments, it's because I have completed my job satisfactory and deserved to be paid out. Period. XXXX is my EMPLOYER, once I get paid they CAN'T ask for it back. 

PayPal has not provided a reason for why my account was disabled, except that it is permanent and will not be reconsidered. It is not my fault someone did their job wrong at PayPal and mistakenly flagged my account. I should not be the one to suffer the consequences because I have provided more than adequate information to confirm my identity.
Consumer complaint received 2022-03-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I have repeatedly asked for evidence to support inaccurate information being reported on my credit file from XXXX, XXXX and XXXX. The debt collection agency has failed to provide viable evidence substantiating their claim. 

The following debt collection agencies have not complied which in addition is a violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).

Portfolio Recovery Associates PYOD Cavalry Portfolio Services
Consumer complaint received 2021-10-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mountain Run Solutions, LLC (CA)

I am the victim of identity theft. The collection agency stated that someone added my name as a authorized user for a fraudulent account. The collection agency is now trying to hole me financially responsible. I have already filed a identity theft report with the police department & forwarded to the collection agency. There response was for me to go find the person who stole my identity and hold cause harm to them. The collection agency name is Mountain Run Solutions : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX UT XXXX. 

The collection company stated this was the debt of a business. Ive never owned a business.
Consumer complaint received 2021-07-09
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. (IL)

there are fraudulent inquires listed on my credit report, i am writing this to delete and remove those things off my report. i am a victim of identity theft i've already sent letters to try and solve this problem and it is heavily affecting my life. I've included my FTC report and identity theft affidavit along with the letter that I've sent to the credit bureaus
Consumer complaint received 2018-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC. (MN)

XXXX XXXX XXXX opened a credit card to a person who stole my identity to do so. With the help of my bank XXXX/XXXX we contacted XXXX and they refused to take any action and referred me to XXXX XXXX XXXX who they sold the debt to. After contacting XXXX XXXX XXXX with a police report, and the results of disputes from XXXX and XXXX showing this account was fraudulently opened in my name, they still refuse to discharge this fraudulent and remove it from my credit report. I need assistance in having this fraudulent debt discharged and removed from my credit report. 

I have included the police report and report from XXXX. I am still awaiting paper copies of a dispute from XXXX, which result shows this account was fraudulent and they have deleted parts from my account.
Consumer complaint received 2016-07-26
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Midwest Recovery Systems (NJ)

I just called MIDWEST RECOVERY SYSTEMS located at XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX after I noticed this on my credit report. I called and they said they did not have the original creditor paperwork and that do not have to supply the loan paperwork until after ninety days. The debt they claim was incurred in XXXX XXXX. However, MIDWEST RECOVERY SYSTEMS said the debt was incurred in XXXX XXXX. After researching the original creditor XXXX XXXX XXXX is a scam and it seems MIDWEST RECOVERY SYSTEMS is part of
Consumer complaint received 2023-01-26
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. (SC)

In XXXX XXXX fraudulently placed unauthorized inquiries on my consumer report 15usc1681a-4 privacy obligation not met. 15usc1681b no permission or wet ink signature to do this They typed out a letter in office to remove the inquiries. I contacted the 3 main bureaus. XXXX is the only one who removed the inquiries right then. XXXX removed majority of them. Transunion I paid to send mail certified and they received the documents and sent me a XXXX  stall letter stating it was from a third party when I was the one who sent the items. They asked me to resubmit it, meaning I have to pay again to redo this. Ive spent numerous hours on the phone to get this done, so I will be suing for each violation on my consumer report or they need to compensate me for this embarrasing situation. 
Transunion inquiries XXXX XXXX XXXX XXXX  ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX  XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX & # XXXX ; XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX Also XXXX XXXX has a fraud late payment on my report, another violation breaking privacy laws, no permissible purpose law, if found they will also be sued for the violation 15usc1666b timing of payment history not allowed unless notified in advance if not notified of the late payment they can not place this on the report 15usc1681a ( i ) a ( 2 ) transaction history is excluded from the report XXXX inquiries Elan XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX
Consumer complaint received 2018-02-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION (PA)

I own Sallie mae about {$3100.00}. So I made 2 month payment to be ahead of the time. So I check student loan account and my payment is due in 2 week. Well they took my 2nd month payment to cover ridiculous huge fee and b.s stuffs. I paid 2 month! I was told that my monthly payment is XXXX or XXXX and now its XXXX. I don't know where the heck that number come from. I try to contact them few time and they just keep hanging up on me. also they are ruining my credit score! Thanks a lot Sallie Mae for stealing my education money.
Consumer complaint received 2019-03-06
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC (NJ)

I have a loan with BMW FINANCIAL SERVIC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and BMW FINANCIAL SERVIC were successful resolution. XXXX and XXXX  wonly reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX2017
Consumer complaint received 2018-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

I pulled and reviewed my credit report and found that several inquiries were added to my credit report with out my knowledge or consent. I have not purchased a vehicle or tried to obtain any type of credit in the last 3 years. Anything reporting during this time is incorrectly added to my credit report. There is also a bankruptcy added to my credit report falsely.
Consumer complaint received 2016-03-28
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (FL)

My wife and I are senior citizens and we were told incorrect information by Wells Fargo Bank branch XXXX XXXX XXXX Florida. My wife and I went into the bank to have them adjust a monthly service charge to my business account.. At that time, we asked the service representative XXXX if Wells Fargo had an interest only home equity loan. She said they did and sent me to XXXX XXXX who is the financial advisor for that branch. We talked with XXXX at length about the interest only home equity. We stated that our present home equity with XXXX XXXX XXXX was expiring in a year and XXXX XXXX XXXX did not offer an interest only loan. He said we could start the process with Wells Fargo since Wells Fargo had an interest only home equity loan.. At no point were we told that Wells Fargo did not offer an interest only loan. A form that I was asked to sign stated that the line of credit at XXXX XXXX XXXX would be closed. I was told last week that I should have signed a form that stated that the loan at the other bank would only be closed after the new loan was in place. Unfortunately the financial advisor gave me this form to sign because he stated it would only be used after the new loan was in place. It looks like that after he closed my old home equity, I would be forced to use the home equity that was offered by Wells Fargo. I have contacted the financial department of Wells Fargo. I got a nice form letter from XXXX XXXX which stated I would get a result of the inquiry by XXXX XXXX .On XXXX XXXX I received another form letter from XXXX XXXX which stated that I would get the result by XXXX XXXX. On XXXX XXXX, I called XXXX and she never called me back. I supposedly got her boss, XXXX XXXX, who stated I would hear from XXXX by Friday this week and I should get a final decision in several weeks. Meanwhile I have had to borrow money from my savings account to cover a bill that was due last month. I paid back the money to my savings account this month. Basically I was misinformed by Wells Fargo and it looks very suspicious since I was told at another branch that Wells Fargo had not had an interest only loan since XX/XX/XXXX and this financial advisor had me sign that form to close my home equity at XXXX XXXX XXXX before my new loan was in place. 
It looks like the customer service department is used to send form letters to customers and never really solves the problems that the bank creates. 
Not once did any person in Wells Fargo address the problem. All they stated was that they would tell their personnel that they did not offer that product and that is scarry that a branch does not know the products that the bank offers. I do not know what to do and it seems like Wells Fargo washed their hands of the problem. I really hope the banking department can look into this practice by Wells Fargo and see if Senior Citizens are easy prey for the bank. 
I also would like to know what other organizations that I can inform about Wells Fargo approach to dealing with senior citizens
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (MI)

I signed up for Experians credit building services, 2 months ago, through chime, it was recommended app, through their recommendations my credit has been severely affected through hard inquiries and very inaccurate reporting. I really want to sue, however XXXX XXXX, I don't have the means to do so. The services are XXXX monthly, it's almost as they trying to purposely wreck my credit.
Consumer complaint received 2021-07-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Galaxy Capital Acquisitions, LLC (AZ)

On XX/XX/XXXX I received an email from XXXX stating my wages would be garnished XX/XX/XXXX as the result of a judgement I had no knowledge of filed against me in XXXX. I was XXXX years old in XXXX and can provide a copy of my drivers license to prove my identity. Obviously, Worldwide Asset Purchasing, who XXXX XXXX XXXX and XXXX XXXX XXXX of XXXX XXXX is representing, is collecting a judgement against the wrong person. In addition to that, the 10 year statute of limitations for the state of Arizona has long passed. XXXX XXXX XXXX and XXXX XXXX XXXX of XXXX XXXX, for Worldwide Asset Purchasing, are garnishing my wages illegally. 

On XX/XX/XXXX, I contacted XXXX XXXX XXXX and XXXX XXXX XXXX, of XXXX XXXX, via email XXXX and explained that Worldwide Asset Purchasing, the company they are representing is collecting from the wrong person and that I was XXXX, turning XXXX years old in XXXX when the judgement was filed. I left all of my contact information and have had no return contact. As a result of XXXX XXXX XXXX and XXXX XXXX XXXX, of XXXX XXXX, helping Worldwide Asset Purchasing illegally garnish my wages, on XX/XX/XXXX, {$520.00} was taken from my paycheck for a debt that I do not owe. I have consulted an attorney which I will have to pay to represent me to stop this illegal wage garnishment, and will have to take time away from my job to collect papers pertaining to this case from the courthouse.
Consumer complaint received 2018-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MS)

I previously disputed inquires on my credit report that I did authorize in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The following inquires were disputed : - XXXX XXXX : XX/XX/XXXX - XXXX XXXX  XXXX XXXX : XX/XX/XXXX - XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX   XXXX  : XX/XX/XXXX - XXXX XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX However, XXXX sent me a letter each time that the information was verified but could not produce any documentation with my signature nor my consent.
Consumer complaint received 2022-09-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The online reporting portal states the account bearing the credit profile with my name has been suspended. Why do I not have access to what's being reported? The username and password are correct.
Consumer complaint received 2021-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (PA)

On XX/XX/XXXX while in the process of selling my home I was notified that the township tax payment had not been paid although payment of {$1600.00} was due on XX/XX/2021. At this time I reached out to my mortgage provider Quicken Loans to inquire as to why escrow dollars were not used to pay the aforementioned tax bill. 

To date I have continued to reach out to Quicken Loans and have even sent a " Notice of Error ''. I have spoken to several supervisors including XXXX XXXX and XXXX XXXX. I have been told that XXXX is researching my inquiry but to date no information has been provided regarding the missing tax payment. In order to move forward with the sell of my home I was required to escrow an additional {$1900.00} XXXX tax bill plus late fee ). These additional dollars will be released to the XXXX Township Boro as quicken has been unable to provide any proof of payment. 

I have reached out via phone and approx. 3 times a week over the last month however nothing is being done. XXXX XXXX and others at Quicken Loans ( Rocket Mortgage ) continue to provide dates for resolution that they continuously do not meet. As escrow monies were paid by me along with my mortgage payment every month if Quicken Loans did not use the funds for what it was attended for I have requested on several occasions that these escrow monies be refunded. Quicken continues to refuse to take any action.
Consumer complaint received 2021-07-09
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: Bread Financial Holdings, Inc. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.