davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (GA)

I noticed a {$100.00} credit to my XXXX account # XXXX on XX/XX/21, a transfer from my account at Wells Fargo # XXXX. The only problem is that I was unaware of having this Wells Fargo account until I saw the XXXX transaction, which I did not affect. My legitimate account Wells Fargo is # XXXX, which is also connected to my XXXX account
Consumer complaint received 2021-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (SC)

I am out of work and my mortgage is currently being paid by a charity on my behalf they require a bill or a remittance page each month for every person company that they pay I have been in contact with BSI at least 10 times a month for the last 5 months and has not been able to acquire but one printed bill I must have a monthly billing statement mailed to me so that I may fax it to the charity that's paying my bills. I feel that there is a systemic issue with the company to increase revenues by forcing people like me to have late fees. I also feel that they're inability or incompetence with complying with my simple request for a printed bill each month mail to my home in a timely manner that I may continue to make my payments on time is a tactic to keep customers like myself with in a low credit rating status and late fees and other fees associated with creating revenues for their company. I have spoken with them on multiple occasions I have emailed them and I still can not get a printed bill so that I can have my bills paid on time by the charities of XXXX XXXX XXXX. I hope that you all will help me by looking into this matter. I have unreliable access to Internet because my phone and internet may be terminated at any moment I therefore require written correspondence which they have refused to send. Also in the past few months I have received only one electronically generated remittance page I need your help thank you very much
Consumer complaint received 2017-12-17
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. (VA)

XXXX XXXX XXXX reported a failure to pay on my auto loan in XXXX of 2016 even though I have made payments continuously made payments throughout my bankruptcy case and up to the present. They have also reported my account as closed when it is still open and I am still paying the note every month. I do understand that reporting is stopped once the account is taken into bankruptcy, however XXXX is still receiving regular payments from me so I should get something for that.
Consumer complaint received 2021-05-03
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/2021 my XXXX XXXX XXXX card was closed without any notification from the company. I would have expected something in the US Mail or at the very least an email. Especially as I have multiple store cards with Synchrony Bank. 

I called the company on XX/XX/2021 to reopen the account and they said this could not be done and that I would need to open a brand new account. Doing this would negatively impact my credit as it would be considered a " hard pull '' of my credit. 

The card had a zero balance and was in excellent standing. And now this closure now negatively impacts my credit as it has affected my score due to the my balances and overall credit history.
Consumer complaint received 2019-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX XXXX I received a phone call from my husband threatening me, and letting me know he was gon na destroy me, hours after, all my devices were hacked, my passwords were changed and my private information was deleted, I called the police several times but as today Im still being hacked, I lost my job And I have no incomes to pay the credit cards, I called the phones companies ( XXXX , XXXX XXXX, XXXX  ) in order to get some kind of help, but unfortunately I didnt get it. I have called the different companies to let them now about my situation, but the option that they provide are no really helpful according with my situation. They keep charging fees and interests, plus I still dont have access to my personal account, and every time I try to create a new one is been hacked again.
Consumer complaint received 2021-05-24
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: SYNCHRONY FINANCIAL (ND)

I was at work on Thursday the XXXX when XXXX gave me a notification that i opened of a hard inquiry on my account. I checked, and it said it was a Tj Maxx credit card. Ive never shopped there before so i know i didnt open it. I called their customer service to try and get the account closed.
Consumer complaint received 2024-04-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Shellpoint Partners, LLC (NY)

I was solicited by XXXX for a refinance on my HELOC. I called to make sure all the equity they said I had was actually there. It was. I made an application and paid all fees. My credit was good enough to proceed. Then I was denied for low credit score. I would like all loan docs, title info and phone conversations pulled.
Consumer complaint received 2023-01-30
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. (CA)

according to 15 USC 1681 i have the right to privacy i did not give written permission for these creditors to furnish these accounts. 

XXXXXXXX XXXX  account no. XXXX ...... 

XXXXXXXX XXXX XXXX  account no. XXXX ...... 

XXXX account no. XXXX ..... 

XXXX account no. XXXX ...... 

XXXX  account no. XXXX ..... 

Therefore all these accounts need to be deleted from my credit reports by law immediately
Consumer complaint received 2021-05-24
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. (IL)

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave XXXX or Equifax any written consent to report anything on my consumer report. No consent is Identity Theft.
Consumer complaint received 2018-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

complaint XXXX about TRANSUNION - the company is responding never received previously disputed inaccurate information complaints- on several occasions disputed items have been mailed out and sent electronically XXXX - is reporting inaccurate information and has been previously notified. The company refuses to remove the inaccurate information sending response that claims have been verified as accurate. XXXX is reporting old/inaccurate information
Consumer complaint received 2018-04-05
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. (CA)

On XX/XX/XXXX, I sent a letter to Equifax about an XXXX XXXX credit card on my credit report reporting with late payments. I asked Equifax in this letter to re-investigate these late payments as those are errors. 

I have included the letter I sent them on XX/XX/XXXX. Equifax responded on XX/XX/XXXX updating personal information only. I never asked them to update them personal information and instead asked them to investigate why there were late payments on this XXXX XXXX account.
Consumer complaint received 2021-11-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/2021, my wallet went missing with a number of credit cards. I think it was at XXXX as I last used a ( different ) card at the framing counter in the back of the store. The thief/thieves/individuals used several cards to make unauthorized purchases/transactions at XXXX XXXX and one at XXXX that successfully went through as I was simultaneously cancelling cards upon discovery of the missing wallet. Between XXXX XXXX, as I discovered the charges, I contacted or followed up with the banks the charges were made. Bank of America for my Visa ending in XXXX was one of those, for a charge of {$960.00}. ( Noteably, one other card was used for the same amount at XXXX XXXX and another card was used for a {$590.00} charge at XXXX XXXX all within 30-45 minutes since I last had my wallet and noticed it missing. ) On XX/XX/2021, Bank of America sent me a letter denying my fraud claim, further opening the wound by saying I " agreed to assume responsibility for the balance of {$960.00} ... '' I did no such thing. 
I appealed that decision via phone, speaking with customer service rep XXXX. I gave the police report number. # XXXX XXXX with the XXXX Police Department. 
On XX/XX/XXXX, I was sent another letter, denying my appeal and saying their decision to decline the claim hasn't changed. It said " while you personally didn't make the charge ( s ), we confirmed it was made by an authorized user on the account or someone who has permission to use the card. '' There are no other authorized users and I did not use the card to make the purchase or any purchase at XXXX XXXX on that day or the days leading up to it. '' If the physical card was used by an unauthorized user that should not make me responsible for it. Bank of America claims to protect consumers and holders of their cards, but in this case they have not held up their agreement. I request/beg that you take action. If I made the charge, I would totally accept it, but this is further victimization of a crime and is incredibly unjust.
Consumer complaint received 2023-02-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX {$500.00} ; XXXX XXXX XXXX XXXX XXXX  {$8700.00} ; XXXX XXXX XXXXXXXX XXXX XXXX {$3700.00} ; XXXX XXXX XXXX XXXX XXXX {$150.00}.
Consumer complaint received 2021-10-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (OH)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2020-10-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate ad unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate the items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc. (TX)

XXXX hospital called me in XX/XX/XXXX reporting that I owed {$1400.00} from a XXXX XXXX replacing my XXXX XXXX in XX/XX/XXXX, which was identical to the XXXX I had on the XXXX XXXX in XX/XX/XXXX, all of which was paid by my XXXX and XXXX insurances. The hospital representative informed me that XXXX denied the remaining amount of {$1400.00}, but XXXX paid {$78000.00}, therefore I was responsible for the remainder. I called XXXX who informed me they denied it because the hospital coded the billing incorrectly and if the hospital would correct the code and resend it, they would pay it. I relayed that to the hospital representative but they have refused to change it or resubmit the bill.
Consumer complaint received 2018-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (NC)

Receivables performance MGMT XX/XX/2017 this company send me a bill collect for The originally XXXX XXXX .. for the amount of {$570.00} I contac XXXX XXXX and XXXX  and XXXX this bill is a fraud from someone else stolen theft my identity at this time I provide you my real ID my driver lincense with the only I Adress I live at for the las couple years! Now Im asking you to take care this situation .. in the right way and fair XXXX XXXX say they dont know about this account but is in my XXXX report from you. I need this verified again and I need you to take this off my credit report XXXX  be cuz I never get any service from you or XXXX XXXX I can prove it in court if we have to go the bottom line of this situation.
Consumer complaint received 2022-04-01
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-07-25
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (SC)

Spoke to XXXX in the Fraud department who stated in short that they did not accept the police report I sent because the case number was invalid ( I disagree ), The police report has an official case # and the name of the investigator and her supervisor. Per her request I have picked up a copy from XXXX. This account occurred in XX/XX/XXXX. I never signed a contract with OneMain. She stated that they mailed me several letters that I never received. This could be due to the fact that I moved in XX/XX/XXXX. My current address is attached in this report. I'm asking your help to resolve this matter quickly
Consumer complaint received 2018-07-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (FL)

A collection agency by the name of AFNI showed up on my credit in the amount of {$1300.00} in or around XX/XX/XXXX/XX/XX/2018. I disputed the amount at that time and requested for them to validate the debt by showing my original signature and contract showing this amount. I have no contract or signed any documents with AFNI. I also requested validation of a contract between them and the original creditor. I was informed they did not have information on the account and it would have to come from XXXX. XXXX no longer has the account and they are not reporting it. I again requested validation of the debt in or around XX/XX/2018 and was again informed they have no information on the account. I called on XX/XX/2018 in one last attempt requesting validation of the debt and was informed once more, that they have no information and can not pull my file. AFNI has failed to validate this debt or provide any documentation with my original signature or contract within 30 days I request for this collection to be deleted off my credit report.
Consumer complaint received 2017-12-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (NY)

I last heard from XXXX XXXX XXXX cable combany in XXXX XXXX between the years of XXXX and XXXX. I did n't pay my cable bill so they deactivated my account and canceled my subscription. I never knew you could owe a debt from a service you no longer wanted to have. The debt has since been turned over to XXXX with a debt of {$320.00}.
Consumer complaint received 2022-04-01
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (GA)

Over the past year, I've written to both XXXX XXXX and NCB collections, asking them to prove that they complied with Georgia state law. Neither has responded with any documentation. All NCB could send was a statement. Not any of the 21 items I should've been provided according to state law. Therefore. Continuing to report the account by both companies is wrong! Continuing to attempt to collect the debt seems to be an FDCPA violation on NCB 's part.
Consumer complaint received 2018-07-25
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: The Outsource Group, Inc (TX)

I have disputed this account entry with XXXX on numerous occasions. In my letter dated, XX/XX/2018, I requested debt validation ( see attached letter ). I submitted a second request to them in my letter dated XX/XX/2018 ( see attached ) and they did not respond. XXXX blatantly ignored my request to provide a copy of the financial responsibility page and a copy of my signature with the alleged provider of service to release medical information to them as well as for them to cease any credit bureau reporting until the debt had been validated by me. XXXX did no such thing. 

By not providing the aforementioned information that was requested, XXXX is in violation of HIPPA rights. This entry is erroneous and inaccurate in nature as well as unverifiable and therefore should be deleted immediately from my credit report.
Consumer complaint received 2018-07-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (TX)

I sent in a dispute last year and again in XX/XX/XXXX. This item was removed from my account. After 3 months it is put back on XXXX and XXXX  with an opened date of XX/XX/XXXX which from my understanding the open date has to be the date originally opened which was in XX/XX/XXXX. I constantly get calls on my cell number from Diversified Consultants at all times of day and night. I have never received written notification from anyone about this item being put back on my account.
Consumer complaint received 2018-07-25
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: STERLING JEWELERS, INC. (MN)

On XX/XX/2018, XXXX XXXX Central time, I had walked into a Jared Jewelers [ XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX ] to get two watch batteries replaced. During this time, a younger gentleman in his mid XXXX  was helping me with my watch battery replacement, and we were chatting about watches. I just discovered my love of watches a few years ago, so I was enjoying discussing different brands and styles. He asked me about future purchases, and I said I don't plan to purchase anything right now but maybe in the future. He then stated they have a payment plan where I could pay " around {$60.00} a month '' if I ever decided to buy anything. Knowing that I wasn't planning on buying anything that night, I said that was good information to know for the future. Upon ringing me up, he handed me an XXXX to fill out basic information such as my address, etc to " see if I qualify for the special he was talking about. '' He also lead me to believe this was necessary to fill out so he could put the two watches on file in their system so I could continue using the watch battery for life promotion they do, and the company would know which watch is which. We continued talking, and by the time I got to the last page of filling out basic information, I realized he had coerced me into signing up for an actual CREDIT CARD. No where in the conversation and interaction was the word card, or credit card ever mention. No mention of APR, no mention of what I was signing up for. It was presented to me as if these steps were necessary to complete my watch battery transaction so my information could go on record and I would be to take advantage of the watch battery for life deal they offer. I have spent YEARS trying to rebuild my credit after having my score tarnished from past student loan issues. I have worked multiple jobs, over 60 hours a week and then some, to make sure my score is being repaired. I have not had a credit card in over 7 years, and I was being very selective of which card to apply for as my first. I couldn't believe that in a blink of an eye, this young man at a jewelry store coerced me into getting " just a credit card '' as he put it. Not only will this card do a hard pull inquiry ( he didn't even know what this term meant ... ) but it seemed like this was no big deal to him. I feel absolutely violated that I let my guard down at a jewelry store. I want everyone to be aware how sneaky these people can be. In a matter of minutes, this XXXX-something individual was able to ruin over 5 years of hard credit repair work with misleading me into signing up for a credit card I absolutely did not want.