davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Real Time Group, Inc. (FL)

This company repeatedly harassed me on my cellphone at XXXX and called me 3 times in a row this company called me 3 times in a row after XXXX on my cellphone, this is a straight violation of The Fair Debt Collection Practices Act. When I told the employee that hes illegally harassing me at night on my cellphone he told me he didn't care and that its not illegal to call me on my cellphone. Then the employee stated that he can call me whenever I want because the address shows Nevada, I never in my life have lived in the state of Nevada and I will not tolerate harassment and breaking the law from this company, I want this account removed from this company effective immediately or I will pursue further legal action. I Live in the state of Florida always have and always will.
Consumer complaint received 2022-04-05
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. (FL)

In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy : XXXX/ {$18000.00} / XX/XX/2022
Consumer complaint received 2021-08-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (IL)

This is a third party collection agency attempting to collect an alleged debt and is reporting on my credit file unlawfully and has violated numerous laws under FDCPA and FCRA in which an invoice is enclosed for the civil liability. I've attached an Affidavit, Validation of debt and Cease and Desist order in which they received certified mail that is attached as well.
Consumer complaint received 2020-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (CA)

In XXXX, I applied and was approved for a Wells Fargo card for my XXXX XXXX XXXX, XXXX for a credit card with a {$30000.00} credit limit. Wells Fargo offered more, but that's all the credit I felt I needed. Wells Fargo asked for a personal guarantee which was to be faxed to a number they provided. I faxed this signed personal guarantee. 

Shortly thereafter I received letters, calls and emails requesting the personal guarantee. In response to this I faxed the personal guarantee two more times. 

I also tried calling Wells Fargo, and it was impossible to get through to anyone, sometimes waiting on hold for more than 1 hour. 

Finally, I tried sending an email about this through their online system, and I received back a message not addressing my inquiry, but apologizing for long hold times on the phone, and that I should again try to reach them by phone. I wrote back complaining that they did not address my question. 

Shortly thereafter I received a letter saying that I was not approved for the card based on negative information on my credit report. 

This was a colossal waste of time, and I'm upset that I applied and was approved for a card and provided the personal guarantee as they requested but then did not get the card. It seems that once I complained about their service they decided they would not offer the card.
Consumer complaint received 2022-04-05
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: Experian Information Solutions Inc. (FL)

In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/2022
Consumer complaint received 2021-08-11
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (PA)

The company processed an incomplete cease and desist by still using an indirect medium of communication with the consumer after being directed not to violating 15 U.S.C. 1692c ( c ). The company stated in the communication that the consumer owed a debt violating 15 U.S.C. 1692b ( 2 ). The company also used language and symbols in both the communication and envelope indicating that they are in the debt collection business violating 15 U.S.C. 1692b ( 5 ). This company has caused a great amount of harm to my reputation as a consumer directly violating 15 U.S.C.1692d ( 1 ). They also used language to abuse me as a consumer, along with causing my phone to ring numerous times and even gave the implication that nonpayment of the alleged debt will result in the seizure of my property. This action was a number of violations being 15 U.S.C. 1692d ( 2 ) ,1692d ( 5 ), and 1692e ( 4 ). They also reported credit information which is known to be false by the failure to communicate that the alleged debt is disputed violating 15 U.S.C. 1692e ( 8 ). This company has gave the consumer the false implication that the account has been turned over to innocent purchasers for value as well as compiling forms to create the false belief in the consumer that he is not the original creditor violating 15 U.S.C. 1692e ( 12 ) and 1692j ( a ).

It is a fact this company has civil liability for the violations committed against the consumer under 15 U.S.C. 1692k.
Consumer complaint received 2023-01-31
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : {$27000.00} ; XXXX XXXX XXXX Balance : {$640.00}
Consumer complaint received 2021-08-11
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: BMO Bank, N.A. (IL)

I have been a BMO Harris Bank customer since XX/XX/2020, a full year, and I have been using the smart money account ever since. Simple account, no overdrafts, no worrying about checks or hidden fees. However, after trying to open a savings account I have been denied several times and I don't know why. I don't know if its discrimination or because they don't like they way I look, it is completely ridiculous how I've been loyal to this bank for a year only to be rejected by trying to utilized their other products. What's the point. I looked at my chexsystems report, nothing bad was reported I assume, I called and tried figuring it out but the banks don't have to say what it is which leaves me clueless. I've reported XXXX XXXX XXXX  XXXX XXXX for the same reason. all I want is to not be treated like a criminal while there are real life criminals committing crimes and not being held accountable. Is this how we treat our working class customers?
Consumer complaint received 2020-05-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consolidated Recovery Group, LLC (TX)

the amount that is trying to be collected from CONSOLIDATED RECOVERY GROUP is completely wrong they are stating this was a loan their are no loan documents to prove that I ever signed for a loan with this company or any other company they are committing federal fraud by trying to collect illegal amounts on a debt that they purchased from a third party I owe them nothing and they are illegally trying to collect debt and stating that I got a loan with CONSOLIDATED RECOVERY GROUP or their third party company they bought the debt from I was never loaned any money or signed a contract for a loan but this what is being reported to all three major credit bureaus.We have sent 5 of the same legal cease and desist orders to CONSOLIDATED RECOVERY GROUP via email and us mail for them to stop this fraud but to no avail now they are breaking the law and now a federal investigation needs to be started to stop this I will be turning this over to the FBI and filing fraud charges if CONSOLIDATED RECOVERY GROUP does not fix this today I have proof of all of their illegal actions and threatening and intimidating and illegal actions to defemate my character and my credit history illegally by using these tactics.I have all the amounts they are illegally trying to collect and report. CONSOLIDATED RECOVERY GROUP needs to Cease and desist all collection activity and have original creditor to contact me by mail and prove to me that I took out an unsecured loan with their company and the document needs to say that I applied for and got approved for an unsecured loan because I got my credit pulled for a loan from them or their affiliates and I never signed for a loan with them or their affiliates never.I have proof from the credit bureau they are saying this a charged off debt loan.
Consumer complaint received 2021-09-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: AXOS FINANCIAL, INC. (TX)

I finally received favorable appeal decision from Texas Workforce Commission and a $ XXXX direct deposit back payment was issued from XXXX Bank on XX/XX/XXXX. ... ... ..... 

Axos Bank has refused to release those funds, ignores the fact that XXXX affirms the transfer is complete on their end ... ... ... ... ...... 

This action by Axos bank; taking my $ $ hostage, should be grounds for drastic action and accountability!!
Consumer complaint received 2020-09-01
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: Experian Information Solutions Inc. (PA)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am not familiar with. Please remove these items from my report. XXXX XXXX XXXX XXXX   XXXX {$0.00} XXXX XXXX {$140.00} XXXX XXXX XXXX  XXXX XXXX {$80.00} XXXX XXXX XXXX   XXXX {$1000.00} XXXX XXXX {$13000.00} XXXX XXXX XXXX  XXXX {$20000.00} DEPT ED/XXXX   XXXX {$3200.00} DEPT ED/XXXX XXXX {$1800.00}
Consumer complaint received 2021-09-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Green Square Company LLC. (MS)

XXXX XXXX XXXX is contacting me repeatedly Ive sent them a letter on XX/XX/XXXX to ask them to validate the they still continue to call me and leave threatening voicemails and didnt validate it. They are calling from different numbers and leaving different numbers to contact them on my voicemail. They called me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX of XXXX leaving different contact numbers on the voicemail. They dont ever say the name of the company. I search the number on XXXX and found the name. They sometimes even say they are PRG on the voicemail.
Consumer complaint received 2021-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

My bank confirmed that BANK OF AMERICA CREDIT CARD and my PAYMENT check XXXX FOR XXXX was SENT TO MY bank WITH THE WRONG ACCOUNT NUMBER so the CHECK WAS REJECTED. The routing number on the check was correct. 

BANK OF AMERICA IN ITS ARROGANCE each manger - three of them would not confirm their mistake even though XXXX XXXX support proved to them over the phone that XXXX XXXX was correct and that BANK OF AMERICA sent the wrong account number that did not match the account number of the check. 

I had this BANK OF AMERICA account for 19 years. They have to fix the issue not me I did not cause it so if they failed I OWE them nothing. I paid them and they would do NOTHING to fix the issue. I closed my account with them and will be open a civil lawsuit where they will have to pay all the fees. They threaten to hurt my credit because of their mistake. 

I have all the conversations recorded. 

I was on the phone with them for over an hour. 

Each manger level are useless, they were like XXXX XXXX  reading a script and I am not even sure what they are good for - they all should be fired. I will be writing to the CEO XXXX XXXX, XXXX XXXX XXXX and all the rest of the board of directors. This company I now pray daily will go bankrupt. 

XXXX - Floor manger ID :????? 

XXXX - ID XXXX
Consumer complaint received 2020-05-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IN)

In XX/XX/XXXX I was told my loan will go into deferment so I wasnt going to have to pay anything for XX/XX/XXXX as I look at my credit report I see I have 2 late payments on my credit report from XX/XX/XXXX and XX/XX/XXXX before my loan actually went into deferment in XX/XX/XXXX I feel like if I wasnt told that it will go into deferment I would have continue to pay as much as I could on my loan until it actually went into deferment
Consumer complaint received 2021-03-05
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: EQUIFAX, INC. (NV)

This is in reference to XXXX XXXX XXXX 
There is a collection with XXXX, Equifax and XXXX XXXX concerning a loan that I had with XXXX XXXX. The collection was on my credit report for 7 years and was removed because of the time frame had expired. By law, they had to remove this collection and was removed in late XXXX or early XXXX. It has since been re-established on my credit reports as of XX/XX/XXXX. 

I believe this is a flagrant and intentional violation of Federal law. I am requesting you look into this issue on my behalf and hold the company responsible for their error.
Consumer complaint received 2023-01-31
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)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy : XXXX/ {$18000.00} / XX/XX/2022
Consumer complaint received 2020-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

I presently have a complaint with you activity. Complaint # is XXXX. However, today I received a reply from Chase stating charges are valid but did not address or answer my questions with regards as to why I am being charged for something I did not purchased
Consumer complaint received 2020-10-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION ()

THE AMOUNT IS XXXX DATE SEND : SENDER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX SENDER BANK : XXXX XXXX   XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX. 
XXXX XXXX, XXXX RECEIVER BANK XXXX XXXX XXXX  XXXX. 
HEAD QUARTER, U.S.A OUR COMPANY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AS BORROWER. ENTERED A LOAN AGREEMENT WITH XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX AS LENDER FOR A CABLE PROJECT IN XXXX XXXX. 

IN ORDER TO PROCESS OUR LOAN, XXXX ISSUED AN INVOICE TO XXXX FOR THE AMOUNT OF XXXX. 

XXXX SENT THE MONEY XXXX FROM XXXX  XXXX  TO CAPITAL ONE BANK AND CONFIRMED RECEIVED THE AMOUNT. 

THE CASH WAS NOT CREDITED TO THE ACCOUNT OF XXXX XXXX   XXXX AND WE DEMAND FOR THE RETURN THE MONEY. 

OUR BANK SEND TWO ( 2 ) XXXX XXXX XXXX HOLD HARMLESS LETTER FOR THE REFUND OF THE MONEY BUT WE DID RECEIVE ANY RESPONSE FROM CAPITAL ONE BANK. WE SEND COURIER PARCEL WITH CERTIFIED COPIES OF XXXX XXXX  XXXX & OTHER RECEIPTS BUT STILL WE DID NOT RECEIVE ANY RESPONSE TO CAPITAL ONE BANK. WE SEND AGAIN XXXX  COPY FOR THE RETURN OF THE MONEY AGAIN WE DID NOT RECEIVE ANY RESPONSE TO CAPITAL ONE BANK.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WA)

On XX/XX/2018 a company requested my SSN for credit check. I refused and did not provide my SSN. The inquiry appeared on my credit report regardless and I disputed it with Equifax. I checked today the status of the investigation and it says completed however I was not notified of the result and the inquiry is still not removed Investigation reference is # XXXX
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Company : equifax information services, XXXX, and XXXX XXXX XXXX collection account in the amount of {$1300.00}, disputed with company but it remains on my report. 

CA state 's Code of Civil Procedure 337 states no debt can be collected after 4 yrs. 

Account was opened XXXX of XXXX, passing the statute and should be removed from my credit report completely.
Consumer complaint received 2017-08-06
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)

Made a payment by check online with Capital One mobile, I was not aware of the check being returned by my bank. I went to make my next month payment by check like the previous month, thy took the payment. I go to use my card which I had available credit it was denied. I log online to my account and both of my cards are now closed. I called they said because of the returned payment. They closed my accounts but I can still pay my balance by check online. So they take your charging privileges away but yet they continue to take your monthly payment by check. My nsf was a bank error and they didnt offer me a way to correct the issue, just closed two open charge accounts I had. They do n't disclose this information in you customer agreement for. No information giving to consumers about returned nsf items. Capital One close your accout for 2 nsf in 1 year, but do n't tell you this is they practice.
Consumer complaint received 2020-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (IN)

I refinanced and my mortgage was sold to Huntington Bank. I called and explained I wanted to make weekly payments and they stated their system couldn't auto set that up, but i could mail the payments in. 
Today, I received a collection call regarding a past due amount of {$700.00} I checked my account and all payments were received but it appears they were misapplied. 
The representative stated they were misapplied and said I should not send weekly payments or they will keep misapplying them and in turn I will receive collection calls and late fees on my account, even though the account is current. 
I stated that this is a system deficiency that they need to cure, not a payment change I need to make. 
Partial payments are permitted under CFR 203.556 which states in pertinent part " the mortgagee shall accept any partial payment and either apply it to the mortgagor 's account or identify it with the mortgagor 's account and hold it in a trust account pending disposition. When partial payments held for disposition aggregate a full monthly installment they shall be applied to the mortgagor 's account '' I had XXXX due no later than XX/XX/XXXX to avoid a late fee. 
XXXX due no later than XX/XX/XXXX to avoid a late fee. 

I paid {$350.00} on the following dates : XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX ( today ) As of XX/XX/XXXX they received {$1400.00} of the {$1300.00} due which satisfied XXXX XXXX bill. 

As of XX/XX/XXXX they already have XXXX towards XXXX XXXX bill which is not considered late until XX/XX/XXXX. Nearly ONE MONTH from today. 

As of today they have received XXXX total yet claim I am past due and are threatening to continue to mark my account as delinquent
Consumer complaint received 2020-09-18
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-06-02
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. (OH)

The only credit bureau reporting unknown account. This account has been guaranteed not verified. No obligation to Chapter XXXX Bankruptcy. By federal law, this account shouldn't be reporting and in violation of FCRA laws. Submitting complaints prior to seeking legal counseling due to non compliant accounts and credit bureau not investigating into damaging accounts and falsely verifying as accurate. It's been past the allowed timeframe