davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Preferred Collection and Management, Inc. (FL)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2019-10-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2017-10-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Carter-Young, Inc. (IL)

The amount that was owed for this account before it sent to collections was XXXX. I was sued by XXXX XXXX XXXX for the amount of XXXX and was given a date to pay in order to remain a tenant in the building. I presented the property manager at the time with a XXXX} cashiers check to cover the XXXX balance owed plus enough to cover rent for a few months. My attempt to pay was denied by the property manager as I was told we will not accept any payment from you. I was then told to remove my belongings from the unit but was not given a specific date to be out. A week prior to this all of my belongings were thrown out in the alley behind the building causing me to lose all of my personal information and other important things. I have disputed this debt collection several times in attempt to get it removed from my credit reports. Since my attempt to settle the debt was denied before it was sent to collections I feel that I should no longer have this negative remark on my credit. I have not received any documentation validating that the debt belongs to me nor have I received a copy of the original lease agreement with my signature. I also have not received any documentation explaining the XXXX balance that is reported.
Consumer complaint received 2018-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TX)

I AM XXXX XXXX. I XXXX XXXX XXXX  AND IF A PERSON AT CITI CARD DOES NOT REMOVE THE HEADSETS OR IS OVERSEAS, I BARELY UNDERSTAND A THING. I HAVE MADE THIS VERY WELL KNOWN TO CITI CARD AND OFTEN STILL HAVE GOTTEN FOUGHT WITH AND HUNG UP ON WHEN I ASK FOR A PERSON ON A HAND HELD PHONE AND A SUPERVISOR.

CITI CARD HAS MADE SEVERAL ERRORS ON MY DISPUTES TOO AND I HAVE HAD TO CALL SEVERAL TIMES DUE TO ERRORS DONE BY THEIR STAFF TO HAVE THIS FIXED.

MY CARD WAS CLOSED UNEXPECTABLY AND CAN YOU ONLY IMAGINE IF I WAS OUT OF TOWN, HOW DANGEROUS THIS COULD HAVE BEEN AND I WOULD NOT BE ABLE TO GET HOME AND I AM TOO XXXX  TO CALL ON A CELL PHONE AS I COULD NEVER HEAR.

I WAS AT CENTRAL MARKET BUYING GROCERIES WHEN THIS OCCURED AND I WAS TOTALLY PUT TO SHAME AND EMBARRASSED TO THE EXTREEME.

I HAVE BEEN A CUSTOMER FOR YEARS AND TO BE BLAMED FOR LYING ON A DISPUTE IS SO MADENIG AS IT WAS ME, WHO CALLED, WHEN THE MISTAKES WERE MADE BY CITI AND NOT BY ME.

XXXX  FROM CITI CALLED ME YESTERDAY AND TOLD ME THAT IT IS POSSIBLE THAT CITI IS WRONG ON ALL THIS AND THAT MOST LIKELY THEY WILL RE OPEN MY CARD DUE TO THEM AND NOT ME.

I CALLED AND LEFT XXXX A NICE MESSAGE ON THIS MATTER AND I BELIEVE SHE WAS ALREADY GONE.

XXXX  TOLD ME TO GIVE HER SOME TIME TO CHECK ON THIS AND SHE TOO SAID THAT IT IS VERY POSSIBLE THAT IT WAS JUST A CARELESS ERROR ON THE PART OF CITI CARD.

I AM SO UPSET OVER THIS FOR SURE.

CITI HAS REALLY BEEN WRONG ON THIS.

AT XXXX   IT WAS A MESS AS THE VENDORS REALLY MADE SO MANY ERRORS AND I DID HAVE TO CALL CITI TO GET THIS FIXED.

I ALSO HAD MY HAIR RUINED IN XX/XX/XXXX. I WAS VERY HONEST ON ALL MY DISPUTES.

I STILL FEEL THAT CITI CARD CLOSED MY CARD DUE TO MY HORRIBLE HEARING. THEY WILL NOT JUST COME OUT AND SAY SO, BUT I AM SURE THIS WAS THEIR WAY OF WANTING TO FIND A WAY TO GET RID OF ME.

I WILL GIVE XXXX   A CHANCE TO MAKE THIS HORRIBLE ERROR RIGHT. I WILL SEE IF THEY DO AND IF THEY ACTUALLY DO ADMIT THAT WHAT THEY DID WAS WRONG. I BELEVE THEY WILL FIND THAT THEY DID WRONG AND WILL RE OPEN MY CARD.

I WAS TOLD TO PUT ALL IN WRITING. I AM TOTALLY XXXX  AND MY DOCTORS HAVE MORE THAN ONCE THAT HAVING TO PUT STUFF IN WRITING CREATES A HUGE STRESS ON A XXXX   PERSON AND I AM NOT TO GO INTO IT AS I HAVE XXXX  THAT CLEARLY STATE THIS SHOULD NEVER BE DONE.

TO MAKE A PERSON WHO IS XXXX AND HARD OR HEARING AND WHO HAS OTHER XXXX SUCH A XXXX AND MORE, THIS IS VERY CRUEL.

LIKE I STATED EARLIER, PRAISE THE LORD I WAS NOT OUT OF TOWN AND NOT ABLE TO GET HOME.

I HAD NO WARNING OR A THING. THIS WAS VERY CRUEL.

TO BE ACCUSED OF LYING, WHICH, I NEVER ONCE DID, IS VERY NASTY. I WAS THE ONE WHO CALLED WHEN THE KIDS MADE THE ERRORS TO MAKE IT RIGHT. CITI IS SO WRONG ON THIS. I HOPE THEY OPEN THE CARD AND MAKE THIS RIGHT.
Consumer complaint received 2019-10-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (CO)

This kind of account is noted as appearing in a bankruptcy. The bankruptcy had been terminated. Make sure to pull off this Bankruptcy from my folder to guarantee that I really don't need to work on my personal rights pursuant to 15 USC Section 1681n or 1681o, which usually needs your compliance along with the law.
Consumer complaint received 2016-05-03
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (VA)

I have been banking with wells fargo for 3 years, A few weeks ago a friend wrote me a check to help me pay off some debt, Its still unclear where the error was made but the check was referred to maker. Once my friend found out the check returned, i was given the cash I got to the bank to deposit the money and my account is frozen and referred to the fraud dept. This scared me because i 'm a hard working citizen and committing fraud it not something I do. So i call the fraud dept and i get the run around form many different reps saying how it could be corrected, One representative said i needed a letter from my friends bank stating why it was referred to maker. while other representatives and me to do other things the didnt get the hold removed from my account, during this time i have received fees for items that came back returned because i was unable to put the cash into my account. Wells fargo is saying they will close my account, and use the money in my saving account to cover it. This has been a disaster no access to funds, no banking account or access to my secured credit card.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

Requested that incorrect information in addresses that do not belong to me be removed. They continue to keep outdated addresses on my credit file after numerous attempts of requesting they be removed. 

The also continue to report outdated information pass the 7 year mark and I have requested that information be removed as well.
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

*Attached is my State ID and SSC The listed accounts were placed onto my consumer report without my written consent, please help me get this solved. 

XXXX XXXXL # XXXX XXXX, XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX *Please see attached documentation
Consumer complaint received 2022-03-10
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: EQUIFAX, INC. (KS)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per XXXX USC XXXX ( XXXX ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law XXXX XXXX XXXX ( XXXX ). Per XXXX XXXX XXXX ( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2020-05-29
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: CREDIT ACCEPTANCE CORPORATION (FL)

I contacted these debt collectors and let them know that I recently obtained my consumer credit file and discovered their agency was reporting alleged debts due and owing. Accordingly my records reflect that they were not, neither have they ever been a known creditor of mine. Therefore I respectfully demanded verification and or validation of any alleged debt pursuant to 15 USC1692g, and 15 USC1681, respectively.
Consumer complaint received 2019-10-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (IL)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2018-03-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (GA)

Netspend sent me an unsolicited prepaid XXXX. The document and card are misleading. I thought this was related to an irs scam as this is tax season and a common problem. Ultimately this looks like an elaborate and purposefully misleading ad. But that doesn't change the fact I spent hours trying to understand what is going on and that I needed to call to cancel the card I never asked for. This is ethically wrong if not illegal.
Consumer complaint received 2017-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA (FL)

On checking my XXXX XXXX, XXXX statement, found a purchase charge of XXXX unauthorized by me. Checked other previous statements and also found the same charge going back to XXXX XXXX. Wrote letter to company, XXXX XXXX on XXXX/XXXX/XXXX. 
As there was no answer to my letter, wrote again on XXXX/XXXX/XXXX. 
There was XXXX change, though, in my XXXX statement : no XXXX charge. 

I have to say I made a late payment in XXXX this year. My due date was the XXXX ; I paid on XXXX/XXXX/XXXX. Called the company then, I was given a different date to pay -- the XXXX of the month beginning in XXXX XXXX. I have been charged late fees since then. 
On XXXX XXXX statement shows " available credit '' of XXXX. All other statements show XXXX balance available
Consumer complaint received 2015-07-06
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Credit Technologies, Inc. (SC)

I contacted XXXX XXXX president with XXXX after I spoke with a Consumer Financial Protection Bureau rep XXXX who gave me their number. I explained that I would have them investigated for compliance violation because I did not process an application online or give written signature permission authorize a to pull my credit reports. XXXX XXXX got my information from his wife XXXX that I was on Social Security and I told them that I was in XXXX and was not willing to do any business unless I meet with his VP in personally XXXX XXXX to discuss if the company uses it as a source of income. XXXX XXXX was also cc 'd that if the inquiries were illegal and impermissible and if not removed I would contact the XXXX.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.
Consumer complaint received 2022-09-08
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. (SC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2020-10-08
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: Experian Information Solutions Inc. (NC)

Dear Experian/XX/XX/XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

See Attachment accounts :
Consumer complaint received 2017-10-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant Mercantile Agency (CA)

Upon checking my credit i noticed a collection account on my file from Grant mercantile agency claiming i owed for a medical debt from XXXX California XXXX XXXX. 
I have always had medical insurance so i do n't know how this could have been forwarded to them for collection.
Consumer complaint received 2017-10-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fay Servicing, LLC (CO)

Requested payoff on XXXX/XXXX/XXXX for the sale of a property due to close XXXX/XXXX/XXXX. Sent borrowers authorization, which is a Personal Representative for seller who is XXXX. The personal representative also completed forms for the payoff, ( all will be attached ). When our processor followed up all on XXXX, XXXX and XXXX/XXXX/XXXX for payoff, each time was told they have never received our authorization to speak with them, each time was re-sent. When we would call to confirm if they received, was always told we can not talk to you on this account, as we have not received third party authorization. The servicing company, Fay Servicing, has been holding us up and stopping us from getting property closed. When we contacted the representative today, XXXX was told now the account is being audited, and they can not tell us when we will receive payoff. Contact for Fay Servicing is XXXX or XXXX.
Consumer complaint received 2021-09-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (PA)

Essentially we tried paying our car payment multiple times. Unfortunately for whatever reason the wouldn't allow us. I Unfortunately contracted XXXX  and tried to handle this in between my illness. I thankfully was able to do a screen recording of the error. Previously I have never had an issue making a payment to XXXX. I've tried calling multiple times between XXXX XXXX XXXX. I'm working 16 hours shifts. Money wasn't the issue it was the fact that XXXX wouldn't allow us to process payments. I've also attached my bank account below so you see that I had the funds available at the time to pay my bill
Consumer complaint received 2019-10-27
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. (MI)

On my credit reports ( XXXX ) XXXX XXXX XXXX., reported as of 2019 that my card was in charged off status with a failed to pay status. Making it appear to my mortgage lender that I have a recent delinquent account as if this year when I paid my credit card in full in XXXX and was told it would be closed. I was even told that if I paid the card off in full they would no longer report negative information to my credit report and would remove their negative information. However they keep reporting it on my credit report as FP and it even says PAID. It is not a charge off when I paid the card in full. Charge off means I never paid on it and that the company doesnt expect to get paid. This card should have just been listed as paid and closed!
Consumer complaint received 2016-11-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (IL)

XX/XX/2016 CFPB : JPMChase charged me {$18.00} per month for having Chase Accounts, when I was paying money from those Chase Accounts to Chase, as my US Bankruptcy Court Plan, regarding my Chase LIBOR-Indexed ARM Loan. JPMChase violated US Bankruptcy Court Policies by charging me the {$18.00} per month and overcharging me LIBOR, through the LIBOR Overcharge Conspiracy of JPMChase with XXXX and the XXXX. 
I demand that JPMChase remove all Credit Bureau Information detrimental to me, refund all its fees ever charged me and issue me Release from Mortgage. 

XXXX, IL XXXX
Consumer complaint received 2023-01-27
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. (CA)

I've noticed a few inquiries in my report that i did not recognize or apply for and I contacted Transunion about the situation and they have failed to provide proof or remove them from my report
Consumer complaint received 2020-10-08
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION (IL)

Sallie Mae would call every almost every hour multiple times in a row for some days leading up to the due date of the loan. I got so frustrated, I tried blocking their number ... So they used a different number to call me. When I finally got the time/needed to talk to them, I answered and it was an automated caller that didn't allow me to talk to anyone. At a different time with a similar scenario, I contacted them and tried to figure out a repayment plan. After hearing the information they had to give, I tried to contact the borrower ( I am a cosigner ) and was unable to with normal means. I called them again, was met with hostility by the manager after I told them that I needed to look at my finances and try to contact the borrower again with different means. The manager was angry with me and questioned me about how I was trying to contact the borrower, why I hadn't tried that method yet, and " What makes you think she will answer you this time? ". I was surprised and upset and was disconnected from the call ( not by my fault ). I was furious and wanted to call back to complain to a manager, but I had to go to work because the call took too long.