davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (NV)

XX/XX/XXXX Opened Wells Fargo EveryDay Checking account with a bonus offerXX/XX/XXXX I met the offer requirements of at least 10 debit card purchasesXX/XX/XXXX I asked Wells Fargo if I met all the offer requirements for {$250.00} promotional bonusXX/XX/XXXX Wells Fargo employee, XXXX XXXX, messaged me acknowledging that I signed up using the promotional offer and informed that I have met the bonus requirements. He also responded that the bonus will post 45 days from meeting the requirements. Wells Fargo had the opportunity to inform me if I wasnt really targeted for the promotion, but it didnt. 

XX/XX/XXXX The 45 days waiting period passed but the bonus didnt post, so I messaged Wells Fargo XX/XX/XXXX Wells Fargo employee, XXXX XXXX, messaged me back saying that I will get a US Mail response within 14 business days. Wells Fargo had the opportunity to inform me if I wasnt really targeted for the promotion, but it didnt. 

XXXX/XXXX/XXXX The 14 business day period ended without any response from Wells Fargo, so I messaged them XX/XX/XXXX Wells Fargo employee, XXXX XXXX, messaged me back asking for 14 more business days for a response. Wells Fargo had the opportunity to  inform me if I wasnt really targeted for the promotion, but it didnt. 

XX/XX/XXXX The 14 business day period ended without any response from Wells Fargo, so I messaged them XX/XX/XXXX Wells Fargo employee, XXXX XXXX, messaged me back saying that I did not meet the requirements. Even at this point, Wells Fargo had the opportunity to inform me if I wasnt really targeted for the promotion. But they claimed I did not meet the offer requirements. 

XX/XX/XXXX I messaged Wells Fargo for the reason behind the evasive, contradictory, misleading information. 

XX/XX/XXXXWells Fargo employee, XXXX XXXX, messaged me back that I wasnt targeted for the campaign. If that is true, why on XX/XX/XXXX Wells Fargo informed me that the offer requirements were met and bonus would post in the future?
Consumer complaint received 2019-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

I have a collection account on my credit report with the orignal creditor being XXXX XXXX XXXX but it's now FAIR COLLECTIONS & OUTSOURCES account number XXXX in the amount of {$4600.00}. This is not my account, I have never lived here. I do not know why my information is on here or how it got to me. My father name is XXXX XXXX also but this is not my account for sure!
Consumer complaint received 2019-02-28
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: JPMORGAN CHASE & CO. (PA)

Car repossessed on XX/XX/2018 for a back due amount of {$650.00}. I missed one payment and the next lease payment was due. I had some problems making the lease payments in the past on time due to some financial issues I was having but they were always made often with me paying a late fee. Chase never once tried to work with me to come up with a plan that could work for both of us. I received a certified letter on a Friday and they repossessed the car on Monday. The calls I did make to Chase were often handle by rude, abrupt customer service representatives. I did file a complaint with the attorney general of Pennsylvania but they were unable to help. l
Consumer complaint received 2019-11-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

HSBC Bank, USA is granting loans based on US citizenship, which, in my opinion, appears to be a violation of ECOA. 
About two months ago, I was denied a credit card, though I have good credit, because I am not a US citizen. 
Last week, I received a pre-approval letter to apply for a personal loan. 
The application again indicates, unquestionably, that only US citizens are eligible to put in applications for loans. 
I could not complete the application beyond the citizenship question. 
So this morning I called to draw their attention to the fact that, under ECOA, one could not deny. a loan to anybody because of their national origin. 
After putting me on hold to enable the customer service representative confer with her superior, she stated to me in no uncertain terms that I have to re-apply after I become a US citizen even though I drew their attention to the fact that it is forbidden to deny credit to anyone based on their national origin.
Consumer complaint received 2021-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

RE : REMOVE ACCOUNT FROM CREDIT REPORT To Whom It May Concern : This letter is in response to Experian 's recent claim that AcceptanceNow, verified the account they are reporting is accurate with a debt in the amount of {$4200.00} or {$4200.00}.

Remove this account from my credit report due to the following circumstances : 1. DEBT CAN NOT BE VALIDATED. After over 30 requests for validation via phone and mail and online over the course of 150 days which is 5 times the 30-day LEGAL REQUIREMENT I have not received validation of this debt!

2. DISPUTES DATES OF LAST PAYMENT/OPENED/ OF FIRST DELIQUENCY/BILLING/CLOSED. Remove due to inaccuracy in dates of last payment and of first delinquency.

3. CLAIMS INACCURATE INFORMATION : Remove due to inaccurate balance information as there should not be a balance for a closed account, charge off should need continually be reported. 

This debt can not be validated obviously as I have sent numerous requests for a contract bearing my signature, statements and who Experian spoke with specifically as well as what documentation was used to proclaim this debt as valid. 

This has since caused me great harm as my children had XXXX XXXX and we were unable to get the proper shelter we needed due to this degradation of my credit score.

I have also not been able to finance a car due to this incorrect information that is deteriorating my credit core and quality of life. I have a XXXX-year-old who RECENTLY HAD XXXX  that I can not drive to necessary appointments or school due to this impact to my credit.

This is defamation and causing me and my family great harm. 


Any automated response or e-Oscar verification is unacceptable. I am requesting a removal of this account. 

EXPERIAN IS THE ONLY ONE HOLDING ON TO THIS FALSE ACCOUNT THAT WAS ALREADY REMOVED FROM XXXX AND XXXX IN XX/XX/2021.
Consumer complaint received 2017-09-16
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: C&F MORTGAGE CORPORATION (VA)

C & F Mortgage Corporation and/or XXXX XXXX  XXXX XXXX XXXX XXXX, Virginia including all of its officers, employees, agents, assignees, and successors in interest of such loan and/or property deeded to and/or titled to XXXX and XXXX XXXX ( " XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX '' ) husband and wife as representation of one or more deeds and property of heirship and ownership have been subject to discriminatory conduct since approximately XX/XX/XXXX or thereafter under the names of XXXX and XXXX XXXX and prior under the ownership of XXXX XXXX family. ( 1 ) In the year of XX/XX/XXXX, the officer/employee that transferred XXXX XXXX XXXX XXXX property in the approximate year of XX/XX/XXXX-XX/XX/XXXX and thereafter on the " XXXX XXXX '' XXXX XXXX XXXX, XXXX XXXX, Virginia under the contracted name of XXXX XXXX XXXX and under the current name XXXX XXXX XXXX failed to notify or provide copies of this consent order, failed to properly identify appropriate parties ( heirs ) and/or failed to obtain proper signatures for a " release '' in this matter. The XXXX XXXX XXXX XXXX Descendant 's hereby certify by Champion Member, XXXX XXXX XXXX ( granddaughter ) that a release is DENIED. ( 2 ) There is no evidence of such training for the officer/employee referred to and/or identified in documents as obtaining consent or for committing such act. ( 3 ) The release is insufficient as it pertains to the history, legacy, and value of such estate ( s ) of XXXX XXXX XXXX XXXX as well as the heirship ( s ) of the XXXX XXXX XXXX XXXX XXXX 's. Therefore, the XXXX XXXX XXXX XXXX   Descendant 's hereby declare that C & F Mortgage Corporation and XXXX XXXX  XXXX XXXX  XXXX XXXX, Virginia as well as their past or present officers, employees, agents, partners, subsidiaries, representatives, assignees, and successors remain liable for ALL claims. and ( 4 ) The XXXX XXXX XXXX XXXX Descendant 's were not provided access to copies of the consent order entered by the Court in the United States vXXXX C & F Mortgage Corporation and hereby provide further notice that there will not be a release to C & F Mortgage Corporation for the estate ( s ) of XXXX XXXX XXXX XXXX, husband and wife and/or XXXX XXXX XXXX XXXX Descendants.
Consumer complaint received 2017-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK (NY)

On XX/XX/2017 Discover had to have some mix up with their billing dept because they reported a late payment on my account of {$5.00} ... I informed them that statements were n't coming in the mail nor was a courtesy call placed that the {$5.00} would be reported late if payment was n't made.
Consumer complaint received 2021-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Diversified Adjustment Service, Inc. (IL)

I was set up on a payment plan of {$25.00} biweekly by Diversified Adjustment Services until my debt was paid in full in the amount of {$380.00}. The debt was in collection and was reported again for the second time. Causing my credit score to drop 25 points. I disputed it several times with no change. I have bank statements to show all payments made until paid in full. And a receipt for the final payment. It was supposed to be removed from my credit report once the debt was paid in full. It still hasnt been removed nor has the correct payment history been updated.
Consumer complaint received 2021-09-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Atlanticus Services Corporation (WA)

On XX/XX/2020 Fortiva Retail Credit agreed by written and oral communication to settle account ending in XXXX for an amount of {$3300.00} and to further report the account to the credit bureaus as paid settlement with a XXXX balance. As agreed, 10 Payments of XXXX were made to Fortiva ( as shown in payment ledger courtesy of XXXX, debt consolidation company authorized to settle this account on my behalf ) The original debt for this account ending in XXXX was {$5800.00}. The settlement agreement reduced the debt owed to {$3.00}. As agreed, All 10 payments were made on time and were accepted by Fortiva. All proof is attached of agreement and payments made. After 28 calls and written communication to Fortiva, Fortiva has not resolved this debt for account ending in XXXX as they agreed to. They are continuously and aggressively trying to collect a debt which I no longer owe per our agreement. In addition, they have not corrected my credit report as promised in their written communication. Please help me, no one from Fortiva has helped me. They They keep giving me the run around transferring me from agent to agent with no resolution. Please help me. This has been a nightmare. Thank you. XXXX XXXX
Consumer complaint received 2022-10-08
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. (MD)

To : Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you
Consumer complaint received 2021-09-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (NJ)

I disputed this account awhile ago but still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I tried placing a credit freeze online with Equifax in XX/XX/2021, however I was unable to online. I then called Equifax customer support to remedy the problem. In XXXX, I mailed in a photocopy of my driver 's license and social security number card to verify my identity per instructions from customer support. On XX/XX/2021 I called Equifax customer support to place a credit freeze, and they refused to do so. 

In XX/XX/2021, XXXX and XXXX were able to place a credit freeze.
Consumer complaint received 2020-11-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (GA)

Since XX/XX/2020 I've written to LVNV Funding requesting debt validation on alleged account # XXXX, and have had no response and it is still being reported. Other requests were mailed on XXXX, XX/XX/XXXX, and XX/XX/XXXX. How could the matter be resolved when I have NEVER received debt validation from LVNV Funding or debt verification from the bureaus? So it is so just because LVNV Funding says it's so? I thought the whole purpose of the law was for them to provide proof within 30 days. It's been almost 6 months. Why hasn't this company sent to me whatever information they are sending to the credit bureaus that the account is " verified as accurate and updated ''? I don't believe the debt can be validated. I don't believe the bureaus did an investigation because when I asked how was it verified the bureau 's response was to contact the creditor. I did that and they didn't answer.
Consumer complaint received 2021-07-20
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC. (TX)

XXXX Over the past 12 months, possibly more, " Halstead Financial Services '' has been harassing my fiance, myself, my mother, father and sister with repeated and unrelenting calls at all times of the day. 
One day my elderly mother who is sick with XXXX answered one of their calls and she was verbally assaulted by some miserable man who told her if I didn't pay my debt that I would be arrested. 
They never leave a voicemail announcing who they are, they just inundate my phone with call after call after call. If it was not for caller ID I would think there was some random lunatic harassing/stalking me and my immediate family. 
I can count on my call history over the past six months, over 100 calls to my phone number alone.

These people do not follow the letter of the law when attempting to collect a debt, they do not have any respect, common courtesy or general decency. 

I hope this complaint is able to prevent someone else from experiencing the type of malicious intent that they have imposed upon me and everyone I love in this world. 

I know XXXX will ultimately handle all wrong doings, so I find solace in that fact.
Consumer complaint received 2017-09-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patient Accounting Service Center (CA)

I had set up a payment plan with this collection agency to pay {$100.00} a month until the debt of {$1000.00} is paid in full. I payed the first payment of XXXX on XXXX XXXX 2017. I received a confirmation number from agency and confirmed that it was debited from my checking account on XXXX XXXX 2017. When I attempted to make another payment online on X/XX/2017, my account balance was the same XXXX {$1000.00} XXXX and no payment history was reflected on my account. I called the company to find out why my balance had not changed after my last payment and I was told that it would be looked into. I let the agent know I was not comfortable making any additional payments until my account reflected the proper actual balance. I am filing this complaint because I feel that I am being scammed out of my money. I have every intention of paying this debt as agreed but it looks like this agency is taking the money but not applying it to the balance.
Consumer complaint received 2023-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

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 2021-07-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2017-09-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc. (KY)

I returned a call and spoke with a young lady who had an attitude with me. I have the call recorded. 

I asked her who the creditor was and she refused to tell me and kept asking for personal information. 

I did not feel comfortable giving information to a random person who could n't tell me who they were collecting for. It 's not uncommon for people to phish information out of others to steal an identity. 

All I needed to was who the creditor was to verify she was who she said she was. 

I talked to her 5 minutes til XXXX Friday night and by Saturday night it was on my credit. 

I have received XXXX communication and I feel she did this maliciously. She said " I guess I ca n't help yaaaaaaaa ''
Consumer complaint received 2023-01-11
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. (IL)

I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance : {$980.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$13000.00} ;
Consumer complaint received 2021-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

When I check my credit report the date of last activity, high credit, credit limit, etc is not the same across the board. Collections account shouldnt show status as open or with past due balance.

It has a list inaccuracies and all the corporation does is verify the information on my consumer report and tells me its accurate as if they never checked it in the first place.

15 U.S. Code 1681b - Permissible purposes of consumer reports I never gave permission or received a letter in the mail for this to be reported on my credit, also the credit corporations has not verified the information only asking the other party the accuracy of the info
Consumer complaint received 2021-04-02
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. (TN)

On XX/XX/XXXX, I submitted a letter indicating that I did not have a foreclosure on XX/XX/XXXX to Experian, XX/XX/XXXX andXX/XX/XXXX certified mail. Also, I requested a copy of the allege records for my review. Neither Credit Bureau has submitted those mortgage documents for my review to date which is my legal right under the law. Accordingly, I am demanding for the XXXXXX/XX/XXXXHome Mortgage entry to be deleted off my credit profile due to the Credit Bureaus non-compliance of the law of supplying me the mortgage documents showing a foreclosure.
Consumer complaint received 2023-01-11
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. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here are the list of items that do not belong to me or were opened without my permission. 

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 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