davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX client, XXXX XXXX is a victim of identity theft. He was notified by your XXXX of a fraudulent application submitted with his information without his consent. An inquiry was made into his XXXX credit report XX/XX/XXXX related to that fraudulent inquiry. While no account was established the application left the fraudulent inquiry. An official dispute of this activity was mailed certified return receipt to XXXX  XX/XX/XXXX however as of this date no reply has been received and no update has been given. The same activity happened with Bank of America ( Ref # XXXX concerning the fraudulent application ). An official dispute was faxed to the fraud department of BOA  XX/XX/XXXX and to this date no reply or update has been provided. Lastly, XXXX XXXX did have an account established ( acct # XXXX ) using my client 's information without his consent. This account has a balance of {$3000.00} dollars associated ; an official dispute was mailed certified with return receipt XX/XX/XXXX however as of this date XXXX XXXX has failed to reply or update the status of this dispute. These actions by these bank illustrate the failure of these bank to follow the FCRA and how the rights of consumers are still being violated.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

After reviewing my credit report, I am dissatisfied to see the following items that are still showing up in there, despite the fact that I have informed you that they are inaccurate and detrimental to my credit score, and they can still be seen in there, which is causing me to become increasingly irritated.
Consumer complaint received 2020-04-30
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (MA)

My mother passed away and I am the named executor of her estate. I started probate in Florida, and obtained the necessary court orders to open and inspect a safety deposit box and to closer her account at Wells Fargo XXXX XXXX Branch. When I approached the branch, speaking with Ms. XXXX XXXX, I was informed that I needed an apostilled copy of my mother 's death certificate ( she died in XXXX ). I tried to point out to them that the apostilled copy was submitted to the court as part of probate, but that was not acceptable. I delayed traveling down to Florida ( I live in XXXX ), and started the process for getting the apostilled certificate. Once I finally got it, I re-submitted the documents to Wells Fargo. This time, they said that the names did not exactly match ( my mother had gotten divorced ). Again, I pointed out that the court had issued the court order, but they would not budge. So again, my lawyer went back to court, got an amended order, and I resubmitted it to Wells Fargo. At this point, I was informed that the box had been drilled out, because of non-payment of fees. I pointed out to them that they still have an account there with over {$10000.00} in it, from which they have withdrawn the box fees for over 30 years. But they said that since my mother had died, the account was frozen. However, they did not contact me, even though I have been dealing with this for over nine months and they have all my contact information, and they knew I was the executor of the estate. Apparently, the contents of the box are now in South Carolina, and the XXXX XXXX branch is unable to even give me an inventory of what was in the box. Wells Fargo 's incompetence in this matter has been mind-numbing. Nine months ago, when I first contacted them, I had a valid court order authorizing me to close out the account and open the safety deposit box. They ignored it, and asked for additional information, even though that information had already been submitted to the Court. They have gone out of their way to make closing this account difficult, and have made a painful task even more frustrating.
Consumer complaint received 2018-02-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (WA)

On XX/XX/18, an item that had been previously paid before collections was finally removed from my credit report. This is a debt that I have been disputing for years now. Held by XXXX in the amount of {$220.00}. XXXX agreed to close my account under the condition that I return the phone that was being leased. This was to cover what was left on the phone to pay. Months later, I received a collection notice. I contacted XXXX, begged them to look into the phone conversations that took place to confirm that I was in fact told that I could leave XXXX XXXX and clear by sending them my phone and they said that in the fine print of the contract, it states I would have to pay off the phone and then keep it. They said there was nothing they could do now that they sent it to collections and the refused to send my phone back. This " debt '' has passed through XXXX XXXX now, and it has been removed twice. It's been reinserted for the second time. Not ONCE was I notified that an item was reinserted to my credit report. Not by the collection agencies and not by XXXX or any other bureau. I have been in the process of trying to repair my credit and keep hitting brick walls with this collection. I want it removed. This was settled years ago after I sent them their immaculately maintained phone. Further, I have lost most respect for these credit bureaus. They have responsibility over our entire lives by reporting debts correctly and more often than not I have found that they are inaccurate. I have NEVER once received notice that an item was reinserted on my report and this has happened before.
Consumer complaint received 2019-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC (SC)

My husband received a call informing him that he could buy a home with no money down if he signed up for XXXX XXXX credit repair. We were told that if we paid a fee and worked with XXXX XXXX   we would receive a number to view listing s for rent to own homes Once we signed up we never received any additional information.We were ran around from one call to another transferred over and over.
Consumer complaint received 2020-04-21
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. (GA)

I am having trouble getting the proper information to update on my credit file. I was a victim of fraud I have been moving back and forth from XXXX Ohio to XXXX, GA. Someone in XXXX OH has been using my name and information. I have filed a police report with XXXX Police Dept and FTC Identity theft affidavit. Please remove/delete the following addresses : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX THE FOLLOWING ACCOUNT HAVE BEEN REPORTED TO THE POLICE AS FRAUDULENT : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX / XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2021-04-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (MN)

Repeat of the CFPB 's article in 2015 almost verbatim https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-paypal-for-illegally-signing-up-consumers-for-unwanted-online-credit/ It's not even subtle, there's mockery in it now that they can add little emojis and notes, but it's also hubris that incriminated them in the first place as my family never uses text when making transactions. 

If they have a template for this kind of thing then maybe the CFPB needs one as well to countermand the other.
Consumer complaint received 2021-02-28
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: Experian Information Solutions Inc. (GA)

I pulled all three of my credit reports and saw that there were multiple inquiries that I didn't authorize. XXXX, Experian and XXXX have these listed on my report. 

XXXX - XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXXl - XX/XX/XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2018-06-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (NJ)

On XX/XX/18 I received a misunderstanding a report of {$92000.00} by a debt collectors of " Transworld Systems Inc for XXXX merchant company which I called denied it.I find out if I contact you, you can help understand that situation.
Consumer complaint received 2019-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I had to check that one option because my complaint was not listed. On XX/XX/2019 I applied for a credit card with XXXX XXXX I agreed to pull my credit report but they pulled it twice on the same day which put 2 inquiries on my transunion credit report instead of 1. I tried contacting XXXX and was told I need to contact the credit reporting agencies. I tried to explain to transunion and was told I need to contact XXXX. I am submitting this complaint because having an extra inquiry on my credit report affects my credit score.
Consumer complaint received 2020-07-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (AL)

Midwest recovery continues to place delinquent collection accounts on my credit report. Every few months a new collection account appears. I never receive any mail correspondence and I have never gotten a phone call from Midwest. They just add collection accounts and every few months I have to dispute to get them removed. It lowers my credit score each time but it never goes back up. Im begging for assistance with this again today. Im unable to understand how this keeps happening. Also the date opened on the collection account is dated for XX/XX/2020 when I know I have not opened any new accounts. If this account exists I cant even get an accurate year because they report it to the credit bureau as new each time. This is fraudulent and unfair because even after removing these accounts my credit never recovers to the score it was prior. This year alone I have dropped by 22 points with this newest collection and in XXXX when this happened I dropped 22 points. Thats 44 points in 4 months, even though the XXXX collection attempt was removed. I cant get ahead because Midwest recovery keeps doing this to me. Please assist Im very frustrated that in the midst of this pandemic, myself a nurse is fighting to stop fraudulent credit reporting tactics by Midwest Recovery once again.
Consumer complaint received 2019-03-08
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. (TN)

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on loans with the XXXX XXXX/XXXX  - account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. 

These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected! This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2018-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MA)

I have a XXXX hard inquiry, I have had this service for more then 2 years, and the service remain on and in good standing up to now. The inquiry has been placed XX/XX/XXXX. How could they re-credit check me if I had and already have service with them. I am cancelling my service with them as of XX/XX/XXXX. Also, I might add, there are XXXX account for XXXX, I have not ever knew this have gone to collections for those dates listed. I have alway remain in good standings with XXXX not ever understanding why they could of ever hit my account at those dates on my Experian report. On my Experian have have dozen 's of soft inquires 1 same company hit 's me 8 times almost like every month. I don't know who or why they are doing this. And another different multiple hits in the same year, and almost consecutive months as well. I don't know who this company is as well and don't understand why it keeps soft inquiring me. Also on the Experian, they are very, very old account 's still on my report, such as Social Security, couldn't understand why and how this account ever got to my account, that account was paid immediately. Please look over and reflect. Thank you so much for your help in this matter.
Consumer complaint received 2018-06-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (FL)

We sent on XX/XX/XXXX an International Wire-Transfer ( XXXX ) in the amount of {$49000.00} from our bank Wellsfargo, account number ending in XXXX, to a XXXX XXXX company named " XXXX XXXX  XXXX XXXX XXXX XXXX '' as a trading transaction to purchasing products. 

On XX/XX/XXXX we complain to Wellsfargo regarding the company not receive any funds. 

On XX/XX/XXXX we amendment the company address. 

On XX/XX/XXXX ask Wellsfargo to trace the Wire-transfer ( NO RESPOND ) On XX/XX/XXXX ask Wellsfargo to trace the Wire-transfer ( NO RESPOND ) On XX/XX/XXXX ask Wellsfargo to trace the Wire-transfer ( NO RESPOND ) On XX/XX/XXXX, after multiples complaints, we recall the wire and cancel the transaction since the company never receives the funds. 

On XX/XX/XXXX we complain we re-open the recall the wire. They open a case number : XXXX / service order case # XXXX On XX/XX/XXXX, Wellsfargo give us the copies of the emails and say XXXX XXXX was investigating, after that ( NO RESPOND ) On XX/XX/XXXX internal Wellsfargo bank communications say : " PLEASE BE ADVISED, THAT WE HAVE CONTACTED XXXX FOR DEBIT AUTHORIZATION ON SEVERAL OCCASIONS. HOWEVER, WE HAVE BEEN UNABLE TO OBTAIN DEBIT AUTHORIZATION TILL DATE. WE RESPECTFULLY SUGGEST THAT YOU CONTACT XXXX ( received on XX/XX/XXXX )
Consumer complaint received 2015-09-03
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (IL)

I was at XXXX XXXX to purchase appliances on XXXX XXXX, 2015 using CHASE credit cards. I have credit line of CHASE Freedom VISA for {$2500.00} and CHASE XXXX RAPID REWARD VISA for {$19000.00}. 

My transaction cost was XXXX + - which I charged on CHASE XXXX first ; however, it was declined with FRAUD ALERT reason. I confirmed my transaction online. Upon calling, I offered all the necessary information to identify me, however, at the at they declined the transaction with excuse that they still could not identified me. I gave my SS number, date of birth, how and under what circumstances I got my credit card, XXXX digits on the back of my card, credit card number, birth date etc. But the company still refused to approve the transaction saying it is part of process and requires further investigation. 

I was at the point of sales of XXXX XXXX and the bank had all the opportunity to identify me, however, because of their discriminatory practice, I had to go through embarrassing situation, spend lots of time, and end up their rejecting my purchases. 

CHASE VISA also called me after few days of transaction, however, they are still confused about my identity till XXXX XXXX, 2015.
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I moved from the address that my card went to so I never received my card. Someone activated it under their own information and has been using it. All the money that's ever been put on my Bank of America card I have not used somebody else has been using it I reached out to Bank of America to make a claim but they denied me my claim. They said they had not enough evidence to prove but there is evidence because the cards that was being transferred and all the money that was being transferred is not the same name on the card.
Consumer complaint received 2020-04-30
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (FL)

I applied for forebearance with New Rez ( newrez.com ) and was approved. However, I received letters telling me ( felt more like intimidation and threats ) that it would be reported on my credit and negatively affect my credit score. Furthermore that I would be expected to pay it all in a lump sum. They did not offer me options. If I understand correctly your credit score is not supposed to be affected They told me my VA loan was backed up by a private investor and I did not have the same rights under the Federal Cares ACT to qualify with my loan. I knew that this information was incorrect and these were bullying tactics to cause stress and fear. I am no longer seeking Forebearance. However, I want to hold this company accountable and prevent them from doing this to other consumers.
Consumer complaint received 2024-01-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am writing to address the ongoing issue with the fraudulent account, XXXX XXXX XXXX  still present on my credit report. Despite confirming the identity theft with the associated bank, they acknowledged the error and assured me of the immediate removal of the account. XXXX and XXXX have already removed this account from their records, recognizing the error.
Consumer complaint received 2021-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I pulled all three of my credit reports and saw that there were multiple inquiries that I didn't authorize. XXXX, XXXX and TransUnion have these listed on my report. 

Lentegrity - XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2018-02-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (OR)

I took out a loan with Loan at Last XX/XX/2017 for {$470.00}. Since this time I have made all my payments which are {$100.00} twice a month totalling {$520.00}. After making my most recent payment I was informed my payoff amount was {$600.00}! I was not expecting that after paying more than the cost of the loan the payoff amount would still be more than the cost of the loan. I feel these are predatory lending practices. I need help getting out of this payday cycle with this company.
Consumer complaint received 2019-05-23
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (NM)

InXX/XX/XXXX I got a loan for {$800.00} from Ace Cash Express and fell on hard times and was unable to pay it back immediately. XX/XX/XXXX i received a call from who identified themselves as part of the XXXX County Court Clerk stating I was being sued for an unpaid debt and that I had been served twice at an address i no longer live at. I explained that i do not live there and have not been notified. He gave me a phone number to an attorney 's office where he said I would need to speak to my attorney to resolve the issue. I called the number and asked for some information and stated I would like to verify the legitimacy since I have been scammed before and she stated that she isnt playing these games and that i need to pay 60 % today and my debt can be wiped clean and i wont have to go to court or else it will be on all background checks that are done and then hung up on me. I called the county clerk office back and spoke to a woman who looked my information up and stated that the county clerk office does not call anyone and that I did not have any open cases or judgements against me.
Consumer complaint received 2018-06-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Choice Recovery, Inc. (KY)

On XX/XX/2018 I made a payment in full to Choice Recovery for the amount of {$320.00}. This is the amount I owed in full. I am still receiving phone calls from the company requesting that I pay them again. I have no other debt with this company and the {$320.00} has been removed from my bank account.
Consumer complaint received 2018-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a loan with CAPITAL ONE. 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, XXXX and CAPITAL ONE with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX 2017.