davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (LA)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2016-10-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capital Recovery Corporation (CA)

On XXXX XXXX, XXXX my wife sent a letter to XXXX XXXX, stating that we were changing health insurance companies to the group policy that her employer offered. The new policy would become effective on XXXX XXXX, XXXX. XXXX XXXX apparently did not receive the letter, so we sent the letter 3 more times over the next few months. In XXXX of XXXX, I re-sent all of the documentation and another letter to XXXX XXXX, Certified Mail - Return Receipt Requested - see attached proof of delivery. Now XXXX XXXX has hired a debt collection agency and they are both claiming that XXXX XXXX never received my cancellation letter and that I owe them for 1 month of premium for coverage that I did not receive, request or use. The proof is clearly available in the Certified Mail Receipt and their statement that I never notified XXXX shows that they are not able to manage their own mail and deliver important documents to the designated departments within the company ( XXXX ).
Consumer complaint received 2021-06-05
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: Experian Information Solutions Inc. (PA)

I have contacted experian multiple times and no proof of method of investigation. XXXX and XXXX  deleted the XXXX XXXX because they found they information was wrong and incorrect.
Consumer complaint received 2022-09-06
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. (GA)

I have on numerous occasions attempted to resolve this issue of false reporting with the company XXXX XXXX XXXX XXXX XXXX  and the consumer reporting agencies. 
XXXX XXXX These accounts are now in process of litigation and are to be immediately removed from my reports, I have not been supplied any proof under the doctrine of estoppel by silence, Engelhardt v graves ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have also attached a letter
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (GA)

I have submitted endorsed promissory note to indentured trustee for XXXX XXXX XXXX, which is XXXX XXXX XXXX ( XXXX XXXX ) for the proper cancellation of debt. According to the Securities Exchanged Act, Bankruptcy Banking Act and Indentured Trustee Act, there are liable and responsible for the fraud that is happening. I have specifically requested the True Bill of Sale and proper tax filings for the charged off account held with XXXX XXXX XXXX. They provided a copy of installment contract and it does not match the payment amounts that I was charged. If the contract states my monthly payment was XXXX, why are you saying my payment was XXXX? 

Doesn't matter if its a XXXX dollar difference, the contract was changed after I left the dealership. and that is FRAUD. I did not sign any contract for a monthly payment amount of {$680.00}, that is not what the contract specifies. THIS IS ACTUALLY A BILLING ERROR AND MUST BE ADDRESS. WHY WERE YOU CHARGING ME A DIFFERENT MONTHLY PAYMENT AMOUNT THEN WHAT WAS AGREED IN THE CONTRACT. REFER TO THE PAYMENT HISTORY AND INSTALLMENT CONTRACT YOU SENT ME. 

If the account is charged off you should have filed a form with the IRS and as the debtor I should have received it, so why are you continuing to report a late payment for an account that has a XXXX monthly payment? 

The Right of Rescission does apply here due to legal cause because you changed the contract terms first without my permission. 

THE PAYMENT HISTORY LIST FUNDING ON XXXX, MAY YOU PLEASE EXPLAIN TO ME WHERE THIS FUNDING CAME FROM? DID YOU GIVE A LOAN TO XXXX XXXX, DID XXXX XXXX GIVE YOU OR LOAN, I WAS NEVER GIVEN ANY AUTO LOAN? SO WHERE IS DID THE FUNDING IN THE AMOUNT OF {$39000.00} COME FROM AND WHERE DID IT GO BECAUSE I NEVER RECEIVED ANY CHECK OR LOAN.
Consumer complaint received 2024-03-20
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Everest Receivable Services Inc. (NY)

Everest Receivable Services , Inc keeps calling me every day and asking me to confirm my social security number before disclosing why they are calling me.

When I asked why they were calling me, they said " We have a file on our desk and want to verify if it's the right person ''.

They still keep calling after I told them I would not disclose my information without them first telling me what the call was about. 
The phone number that calls me is this XXXX
Consumer complaint received 2021-06-05
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: JPMORGAN CHASE & CO. (CA)

XX/XX/2021 : My wallet was stolen out of my car. The card was used to make a fraudulent purchase in the amount of {$1200.00}. I notified the company via response to text message fraud alerts within 44 minutes that this was a fraudulent charge. The company claims the charge is valid and continues to apply this charge to my charge card balance.
Consumer complaint received 2021-01-27
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: EQUIFAX, INC. (GA)

I have repeatedly called Equifax and fraudulent inquiries on my credit report. Equifax told me to submit my Drivers License, Social Security Card, Proof of Address and an FTC Report. I submitted the requested documentation 5 times as Equifax kept loosing my documentation further exposing my identity. Equifax finally receives the documentation and then ignores it and sends me the attached report stating " Inquiries are a matter of factual record '' This is not factual. Equifax released my credit information without my consent and now they will not correct their actions even though I jumped through all of the hoops they required of me 5 times.
Consumer complaint received 2016-06-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

I have been disputing a fraudulant account that is on my credit report. XXXX XXXX keeps sending back that it is mine but it is NOT. It is affecting my credit score and my ability to obtain credit. I have been disputing this fraudulant information for months and am requesting to please remove this fraudulant account off my report.
Consumer complaint received 2016-10-11
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (OR)

Wells Fargo did not inform me that they were transferring my loan to XXXX XXXX due to a reason I still do n't know about that involved changing the holder of the deed to XXXX, XXXX ... .. 
I was instructed to only deal with XXXX after XXXX XXXX, 2016 and then Wells Fargo sends me a letter on XXXX XXXX, 2016 that states to deal with Wells Fargo. I am repeatedly given conflicting documents and information that instruct me to do the wrong thing. ( see the other XXXX complaints that I have done with CFPB, that are only a few of what I need answers for and have not been given )
Consumer complaint received 2015-10-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (AZ)

I had a virtual wallet account with PNC Bank which i opened during end of XXXX 2015. As per the customer service and branch person 's instructions I was told that I need to maintain a combined balance of {$2000.00} into all my accounts ( spend, growth and savings ) - which i did to avoid any service charges. 

On XXXX and XXXX there are deductions of {$15.00} from my Spend account - why? I remember speaking to customer service last time that I need to maintain {$2000.00} as a combined balance in my XXXX account ( all across my XXXX account with PNC bank XXXX - which i did. then why the deductions??? It 's in name of some " calculated service charge type pr ''. And moreover when PNC have my contact details on file ( with alerts and notifications ) - email as well as phone # why did n't PNC called me up in case you are going to levy these kind of charges? 
They have made this XXXX account so confusing ... just to make money out of the customers by hook and crook.
Consumer complaint received 2016-06-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (OR)

The complaints I have been having Wells Fargo get me the answers to are all coming in the mail and there are so many discrepancies as to what I have. What I have was all sent to me many years ago and I kept all of it. 
My computers, tablet and phones have all been hacked and there are many reasons Wells Fargo does n't want me to be able to upload any more documents that prove they have been causing a housing shortage, until the FED does a hike in interest rates and then they are going to kick the remaining people out of their homes without doing anything to help them. 
I see what they have done to my brother and now it has affected me personally. Due to their need to get these zombie homes back into the mainstream and sell them yet again, they need to stop me from providing further damaging information on them. 
PLEASE make sure all information you have is correct as I am also willing to provide the information that they were allowed to use false information. 
I will be following up with hard copies that I printed in advance as I thought something like this would happen. 
The foreclosure victims should be able to get at least fair market value for their houses if they are forced to sell.
Consumer complaint received 2016-03-11
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XXXX XXXX, 2016, XXXX notified Bank of America, my credit card issuer, that my account was compromised. It took 6 days until XXXX XXXX, 2016, for Bank of America to notify me. I asked where and when the compromise took place. Bank of America refused to provide me with that information. I asked why it took 6 days for Bank of America to notify me of the compromise. Bank of America refused to provide me with that information.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (OR)

I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the billing error category : ( 4 ) The creditor 's failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement.

( 5 ) A computation error or similar accounting error made by the creditor on a statement. 
It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the linked accounts. I am in pursuit of concrete evidence from the creditor 's bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late a sign of an invoicing error-therefore. 

I humbly request that the subsequent entries be promptly updated on my consumer report to reflect their current status as follows : " paid as agreed.
Consumer complaint received 2023-04-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP (NY)

Ref : XXXX XXXX XXXX XX/XX/XXXX I have called KeyBank to report fraud transactions. The two transactions were cash withdrawals from XXXX Bank in the amounts of XXXX on XX/XX/XXXX and another from XXXX bank XXXX on XX/XX/XXXX. I informed KeyBank that my whole wallet was stolen. KeyBank denied my claim due to an internal decision based off of IP address logins during the fraudulent transactions occurring. As well as other transactions that had occurred during the fraudulent activity had occurred. I reached out to XXXX bank on XX/XX/XXXX spoke to a rep in the fraud operations unit at XXXXXXXX XXXX The rep name was XXXX. He explained that a provisional credit would be issue either by the end of the business date of XX/XX/XXXX if not the credit would be issued XX/XX/XXXX for sure that it was noted on the account to be credited. When I called the second time on XX/XX/XXXX at XXXXXXXX XXXX eastern standard time spoke to XXXX XXXX in the fraud unit she had advise me that it was denied the claim she was unable to provide what information was used internal to denied the dispute. I requested for the bank to honor the credit due to an employee error. I also requested to capture a complain on my case to higher executive unit to review my issue. The bank has a lack of resources and communication among it internal staff to better help and resolve client issues. I really want KeyBank to help me gain back my money taken fraudulently.
Consumer complaint received 2020-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Client Services, Inc. (IN)

I received a letter from client services attempting to collect on a debt that was already charged off and removed from my credit report I was also contacted by phone by the same credit service the following day. They are attempting to collect a debt of XXXX dollars it is from my understanding that in this time that no one is supposed to be collecting any money at this time
Consumer complaint received 2023-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc. (CA)

While a tenant of an apartment building in XXXX, I moved out pursuant to rental agreement and paid 100 % of all bills. Thereafter, they reported me to a debt collector for outstanding water bill for $ XXXX for the month AFTER I left. I was told to contact the owner via a specific email address. I did contesting the bill as invalid, $ XXXX was not close to actual water bill and I had moved out. I never received a response. 

Instead, debt collector - Sentry credit - reports {$100.00} in collections to credit bureaus ruining my credit. They only sent a letter to my XXXX address that they knew I had vacated in XXXX ( that was the entire bill to begin with, was for moving out ). I have documentation that bill is under dispute, and even the owner admitting that it was invalid. 

Sentry credit never notified me of the debt, they sent a letter to an address they knew I had long vacated. They knew the debt was under dispute. Today, they aren't fixing the credit damage caused.
Consumer complaint received 2017-10-15
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)

I have n't asked for this company to provide me a debt verification and validation and they have failed to provide me that information the other credit bureaus have removed this off my credit report due to this company sending me several letters indicating that they were going to take this inquiry off of my credit report and that they were no longer going to report anything negative on my credit report they have sent me several letters stating that they were going to take it off of my report and they continuously put it on my credit report I am requesting y'all to ask them to provide you the letters that they have sent to me. I have provided them all of the information that they have requested and I have disputed this several times and Transunion will not take this off my report.
Consumer complaint received 2023-03-31
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: Exeter Finance, LLC. (GA)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 EXETER FINANCE LLC 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2017-02-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (IL)

After losing my job early last year, I entered Wells Fargo 's Unemployment Forbearance program, which temporarily reduced the amount of my monthly mortgage payments. I understood from Wells Fargo that during participation in the program, " even though your monthly plan payments are lower than your regular mortgage payment, the difference in the payment amount will accrue and become due at a later date. '' Wells Fargo claimed that " a forbearance plan may initially have a negative impact on your credit score, but it may be less negative than a series of late payments because you have made official arrangements with us ''. ( XXXX ). 

In point of fact, my credit score has been decimated, because Wells Fargo reported to the credit agencies that my payments have been late since XX/XX/XXXX But I never once made a late payment while in the program. In fact, payments were typically made before their due dates on the first of the month. Prior to my unemployment, mortgage payments were deducted automatically from the checking account I own jointly with my husband, and so therefore were never late. 

When I disputed the inaccuracy of their reporting, and asked that they correct the credit score they ruined, Wells Fargo insisted that they would not, since they claim that they reported my payments accurately, and therefore " determined that your account was handled appropriately and no adjustments are needed ... During that period of time ( XX/XX/XXXX to XX/XX/XXXX ), we will report to the credit agencies that you are paying your mortgage under a 'partial payment agreement ' in addition to the monthly contractual due date. '' What is not included here, what they neglected to tell me, but an official at TransUnion informed me, is that they reported the accumulated difference between my reduced payments under the program and the regular payments as " past due. '' This is what caused my credit rating to plummet to an F, despite a lifetime of good credit scores, and my never having missed a mortgage payment in 30 years of owning homes. 

If Wells Fargo had advised me accurately and honestly that entering into this program, which was meant to be a help, would result in the utter loss of my good credit score, I would have refused to participate. I filed XXXX disputes with Wells Fargo to no avail. I 'm still unemployed. Paying my mortgage up to now, including the accrued amount of {$24000.00}, has completely wiped out my retirement account. My house is up for sale as I intend to buy a cheaper house out-of-state and hopefully eliminate mortgage payments during my retirement. No one at Wells Fargo ever advised me that entering into the forbearance program would have such a detrimental impact on my credit ( and my husband 's since we own our home jointly ).
Consumer complaint received 2023-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (VA)

Hello, I am writing to inform you of interest and fee scams as it applies to payments to Chase Bank 's purchases on an account where they has also be a promotional balance transfer. 

I transferred {$5000.00} to my credit card for a flat fee of {$250.00} and then a 0 % APR for 12 months. Chase Bank has decided to apply my payments 1st to my balance transfer amount and then to my purchases so that in 2 months I have paid off almost half of my balance transfer and therefor owe interest on my purchases. They will not allow me to apply my payments to my purchases 1st and then my balance transfer which means I will always owe interest.

This is what big banks do to scam the average American! At least with my XXXX account they will apply my payments as I see fit. Please stop the big banks from scamming average Americans! 

Thank you for your time.
Consumer complaint received 2021-06-05
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: Experian Information Solutions Inc. (IL)

I XXXX XXXX XXXX am a consumer of the United States. XXXX XXXX ( partial account # XXXX and partial account # XXXX ) is willfully and knowingly harming my consumer reputation and worthiness pursuant 15 USC 1681 ( a ) ( 2 ) reporting late payments on my consumer report with out any consent making it impossible for me to purchase a home for me and my children. Attached to this complaint labeled as exhibit A is proof of two violations of XXXX  XXXX harming my consumer report along with late payments on the dates of XX/XX/2017 and XX/XX/2017. I have repeatedly requested these late payments to be reported positive on all my consumer reports but XXXX XXXX insists on violating my federally protected consumer rights under title 15 chapter 41.