davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-02
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC (MN)

On XX/XX/XXXX, at approximately XXXX, this debt collector called regarding a debt to a payday lender called " XXXX XXXX XXXX ''.
They also contacted my sister and have made repeated attempts to do so, leaving voicemail messages. This particular voicemail message, however, provided my sister with a link to enter an account number and my zip code. Therefore, my sister was given complete access to the confidential information, including the amount they claim they are owed, as well as the original creditor, etc. My complaint involves repeated contact and voicemail messages with me and my family members, as well as unlawful disclosure of the debt they are attempting to collect.
Consumer complaint received 2018-07-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alpha Recovery Corp (TX)

Alpha recovery group is claiming that 2 accounts were opened on XX/XX/2018. I have disputed this accounts validity with Alpha Recovery and the results came back as verified with XXXX. However, this is not my account and I have never received correspondence via phone, email or mail from Alpha Recovery stating that a debt was owed to them. This in itself was a violation of my consumer rights because it did not allow me to dispute the validity of these accounts before being reported to XXXX. In response to the XXXX   dispute, I was sent a settlement letter via mail. They did not send me validation of the accounts in question as requested.
Consumer complaint received 2018-07-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (WI)

I had a XXXX dollar limit on this credit card. From Best buy and ity is handled by Citi bank. I make payments on this card and no matter how much I pay they still say I owe over 500 dollars. WEhen I make payments my balance should go down but every time II get a bill it is up over 500.00 dollars again. I live on social secuirity and I can not get my balance down below XXXX. so I need to have their practice investicated.
Consumer complaint received 2018-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/18 someone between XXXX and XXXX completed 4 unauthorized ATM withdraws from Chase Bank in the amount of XXXX each. 
( {$800.00} [ {$810.00} w/fees ] ) On XX/XX/18 I filed a police report with officer XXXX XXXX of XXXX XXXX Police Department at XXXX. 
He asked Chase security for the footage so he could apprehend the thieves. They refused to provide the footage and my bank ( XXXXXXXX XXXX XXXX ) refuses to refund me the money without the video footage.
Consumer complaint received 2022-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I had a credit card account with bank of america, with account number ending in XXXX. Please see attached documents for full details. In XXXX of 2021, I noticed some unauthorized charges in my account that were very unsual. These charges ranged from $ XXXX {$500.00} in small retail spaces like XXXX XXXX or XXXX XXXX I contacted BoA and they give me a statement credit of {$2900.00} on the XXXX, 2021 statement. This brought my credit balance to a negative amount, which means I was owed money, and BoA closed my credit card, to stop any fraudulent activity. I continued to notice fraudulent charges on my next month statement, of XXXX, and I continued to work with BoA to resolve these and they did. 

However, In my next month statement of XX/XX/2021, the re-reversed the disputed charges from the previous couple months, which they had supposedly resolved and closed my account. I wasn't given a proper explanation for why this happened, and to this day I have been forced by BoA to pay the charges that along with interest charges that have absolutely ruined me financially. Currently I still have an outstanding balance of {$850.00}, but I am very devastated as I had though BoA resolved my fraud charges, and they betrayed my trust and put them back on. 

I am attaching supporting statements to provide some detail, beginning with XXXX of 2021.
Consumer complaint received 2021-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

I sent off two notarized dispute letters on XX/XX/XXXX and XX/XX/XXXX. It has been over 30 days and I have yet to receive a response from Equifax. With that being said under the FCRA, if an investigation is not completed 30 days after receiving a dispute letter, they must delete all of the unverifiable and inaccurate information contained within that dispute letter.
Consumer complaint received 2018-05-08
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Onity Group Inc. (AZ)

I have file a Chapter XXXX BK back in XXXX the Mortgage with Ocwen XXXX Bank account number XXXX was included in this BK. XXXX  and XXXX  have delete this completely from the credit report. I'm having an Issue getting them to remove it from XXXX. this is affecting my loan Application.
Consumer complaint received 2018-07-07
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. (NJ)

EQUIFAX listed three fraudulent hard inquiries which they are unwilling to remove ( even with proof ) and that the other credit agencies do not report. Fraud inquiries on EQUIFAX report are : XXXXXXXX XXXX, XX/XX/XXXX ; XXXX XXXX, XX/XX/XXXX ; XXXX XXXX/XXXX, XX/XX/XXXX. I received documentation from XXXX and XXXX that these were fraud attempts to open credit ( I do not recognize nor authorized ) and no accounts were opened. I submitted documentation to EQUIFAX and their investigation simply states " these inquiries are factual ''. Today ( XX/XX/XXXX ) I received an alert for another hard inquiry on EQUIFAX from XXXX XXXX/XXXX for a fraud attempt ( confirmed with XXXX, agent # XXXX in XXXXXXXX XXXX   Fraud Dept ). This is another fraud attempt and EQUIFAX is unwilling to remove these incorrect/fraud hard inquiries from my report. My credit score is suffering with EQUIFAX. I will be making a major financial purchase soon and their unwillingness to remove the hard inquiries on my file will cost me a higher interest rate ( EQUIFAX MUST FIX THIS IMMEDIATELY - PLEASE HELP ).
Consumer complaint received 2018-07-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NC)

Consistently over the course of the past few months I have had my overpayments on my Federal accounts misapplied. I have called repeatedly to have them corrected. It seems quite deliberate at this point, considering the fact that each time I pay more than the minimum payment I am entering the total amount to be paid on each loan through their website. There is no way things are being miscommunicated between myself and Navient because you clearly type the amount in for each loan. The problem is 100 % on their end. A second issue involves the fact that I was told several years ago that Navient does not provide a reduced interest rate for automatic withdrawal from your bank account. when I previously had only been paying via handwritten check through the mail. Now that I have more recently started managing the account online and paying through e payments, I stumbled upon the fact that this is actually available and requested automatic payments for all of our private accounts and my spouse 's federal accounts with her permission. First, I am sure that this was available all along and they had previously lied to me about it. Secondly, when they finally began to process my request for automatic withdrawals they improperly applied it to the only account that I did not request it for ... my federal account. So as of right now they only applied it to the federal account that I did not submit a request for and I still have the confirmation saved proving which accounts were to be processed too. The remaining accounts that should have been processed with my private loans and my spouses federal loans no longer appear to be pending. The part that makes no sense is that their federal processing is separate from their private and is 2 completely different departments and phone numbers etc. So explain to me how they process a request for my federal loan to be on autopay when my request for my private loans to be processed was even separately submitted from my spouse 's request for her federal loans???. I have had it with dealing with them and want to know what I can do as recourse. Its just not fair. If i quit paying my loans because of what I am convinced is deliberate mishandling at this point, it will only hurt my credit score etc and it appears that they are immune to reprisal.
Consumer complaint received 2023-04-07
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. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (IL)

Upon checking my credit report there is a new account from Aargon Agency. I requested Debt Validation based on the info received from my credit profile and the mail was returned to sender stating the address was not available. I also requested my info and signature be provided from services received on stated date. this debt isnt mine and im not legally obligated to pay it.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have had a mortgage since XX/XX/XXXX initially with XXXX  XXXX XXXX who acquired the loan from a predatory lender. I was with XXXX  XXXX XXXX from XXXX until XXXX at that time XXXX sold the loan to XXXX XXXX ( XXXX ) ; my credit report has been absent of any payments made on this account since it was transferred to XXXX XXXX XXXX. Therefore, if I try to obtain any mortgage refinance or looking to obtain credit for paying my mortgage on-time, this information is not noted.
Consumer complaint received 2021-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (FL)

At the beginning of XXXX, 2021 I was alerted by XXXX that my account with Chase was frozen due to fraudulent activity. Had XXXX not notified me, I wouldn't have known, tried to use my debit card, been declined XXXX embarrassed ), etc. When I called the number provided by Chase, they wanted my debit card or account number over the phone. Seeing that I had already filed an id theft report, I was not willing to do so. I went to the local branch to find out what the problem was. XXXX, the Customer Service XXXX, got on the phone with the fraud department & all they told him was that Chase wanted to sever ties with me, due to fraudulent activity. No reason why, just be close my account ( s )! Chase has made me feel like a criminal, when I have done nothing wrong! I'm still waiting on a letter ( was told 7-10 business days XXXX explaining what was fraudulent! I am appalled at the way Chase handled this matter!
Consumer complaint received 2022-04-04
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. (MI)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2020-07-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (GA)

On XX/XX/XXXX, I checked my XXXX  Credit Report, and it showed a collection from Southwest Credit Systems. The date of the debt was XXXX, XXXX. This debt is over 7 years old and should no longer be on my credit report. It was for a cell phone service to an organization of which I was an XXXX. The organization folded, and XXXX charged me with the balance. They said they would remove the charge, but never did. 

In any case, this happened before XXXX. I filed a dispute with XXXX, and all they did was " update '' my credit report after contacting SW Credit Systems. But nothing on the report changed. SW Credit Systems left the date as XXXX instead of XXXX or XXXX. So a debt that should be removed from credit report is reported as XXXX of this year.
Consumer complaint received 2023-04-06
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. (NJ)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (TX)

On XX/XX/22 I paid the {$110.00} balance on my Ann Taylor account by check payable to Ann Taylor. On XX/XX/22 I received a past due notice. I called and was told my payment had been credited by Comenity Bank to my J Crew account, not my Ann Taylor account. Comenity repeatedly offered a refund that I could use to re-pay the original Ann Taylor balance, but I was told that if I took it I would be liable for penalties and interest. Instead, I filed a dispute which was acknowledged by Comenity by letter of XX/XX/22. This process was repeated on XX/XX/22 and XX/XX/22. On XX/XX/22, I received a refund from Comenity without explanation. I called and was disconnected. I emailed and received no response. After a week of silence, I emailed again and said I would replace the original payment but I would not pay the erroneously charged penalties and interest and would file this complaint. I then received a response that Comenity was researching my dispute and I could expect no resolution for 90 days. I expressed concern that the refund they sent was inconsistent with the dispute I filed and appeared to put me in a position to be liable for penalties and interest. My concerns have not been addressed.
Consumer complaint received 2023-04-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AL)

In XX/XX/XXXX, I saw a XXXX XXXX XXXX on XXXX XXXX for sale. I inquired from the seller, if the vehicle was still available and he said yes. The cost of the vehicle was {$12000.00} and the seller asked me to wire a deposit of {$6000.00} the money to Wells Fargo Bank. I wired the money of {$6000.00} and the vehicle would be delivered to my home and I would pay the balance of XXXX on the day of delivery. The seller did not speak the truth and the vehicle was never delivered and the money was stolen. I inquired from Wells Fargo Bank about this fraud transaction, but nothing was done. Wells Fargo Bank had all the information from the seller and should be able to get my money back. I'm requesting from the Fraud department to refund my money which is {$6000.00} to me asap. I need to purchase a vehicle for work. 
Thank You for looking into this matter asap.
Consumer complaint received 2022-10-06
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. (NC)

I had several written requests to each credit bureau to verify these accounts below because I did not know anything about them nor aware of them. However the bureaus sent me basic letter just stating was verified but no details that I requested. Then when I reviewed an updated report nothing has changed on any of these accounts including data detailed per bureau. 

In accordance with the Fair Credit Act XXXX these accounts listed has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Account items : 1. XXXX  XXXX XXXX Case Number : XXXX XXXX. XXXX Account Number : XXXX 3. XXXXXXXX XXXX Account Number XXXX XXXX  4. XXXX XXXX Account Number : XXXX XXXX. XXXXXXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Atlanticus Services Corporation (AR)

I was sent a pre-approval letter via mail from Fortiva Credit Card. I saw that it said pre-approval instead of pre-selected. The words should stand for themselves and what they mean. It should not be a grey matter for misunderstanding. I have been pre-approved and never been denied. This company is shady, because they should have told me that they was doing a credit check. I don't see were they said they will be doing a credit check. I don't live in the states that they specifically had disclosure on. So, what information applied to me. A credit check should not be need for pre-approval offers. XXXX XXXX just got hit for misleading with pre-approval lies. This effects a person credit score and a hard inquiry. They need to honor my offer and stop having grey matters on the card offers. Pre-approval should mean just that. Just call an activate and receive your card in the mail
Consumer complaint received 2020-04-25
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: Advanced Resolution Services Inc. (TX)

I asked the company to provide the name, address, and telephone number of each person contacted regarding this alleged account ( Bankruptcy ). I requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to this account ( Bankruptcy ). The company continues to tell me the item is verified by public records. They are purchasing public information from a third party and can not verify that the information is accurate with the actual furnisher of the information.
Consumer complaint received 2020-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

On or around XXXX XXXX, I contacted Wells Fargo and requested a XXXX   month payment history going back from XX/XX/XXXX to XX/XX/XXXX. 
As of today 's date XXXX XXXX, I have not received this requested document and I have spoken to an account specialist on several occasions and was told my request was finished and being sent to me, but I have not received it and I need this information to complete an application for a new mortgage.
Consumer complaint received 2020-08-28
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: NAVY FEDERAL CREDIT UNION (GA)

I have a loan with XXXX XXXX, NAVY FEDERAL CR UNION, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, NAVY FEDERAL CR UNION, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2023-04-01
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX  account XXXX XXXXXXXX XXXX XXXX XXXXXXXX Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2. States a Consumer Reporting Agency can not furnish a account without my consent.