davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NM)

Our mother died, who lived at the address where services were bundled : internet, phone and TV were provided from XXXX XXXX. She died XX/XX/XXXX. My name was on the account as she was XXXX. I kept the service till XXXX of XXXX, as our brother XXXX brother still lived at the home and we were resolving their affairs. I attempted to close XXXX XXXX services over phone and then online the amount in question. I have the proof of the paid debt through bank and billing - statements that they were paid. I was assured that they would pro-rated and returned their equipment, XXXX, XXXX. I also went to XXXX XXXX XXXX, who also called XXXX XXXX on my behalf. But over the years they have kept changing my billings to different debt collectors. I am being billed {$350.00}. and now it is through a collection agency, TSI. I also have the correspondence from XXXX XXXX, where they credited me with a minus - {$110.00}, and no action required, sorry to lose you as a customer XXXX have several letters of correspondence to XXXX XXXX and their collectors, yet nothing has helped.I am XXXX XXXX XXXX and I feel this is a financial harrassment As I have tried to show that the debt was paid
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act I the consumer and natural person was denied credit by XXXXXXXX XXXX XXXX when I applied for a new car loan. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1692K.

You are the subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by XXXX XXXX through Experian due to the response I received. 

XXXX XXXX XXXX  also EXPERIAN is in violation of 15 U.S.C 1642.

15 U.S.C 1681m and 12cfr 1002.13 because I, the consumer, made an application in good faith, but credit was not issued. 
Furthermore, because my social security number { credit card } was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of EXPERIAN. 

IF EXPERIAN also XXXX XXXXXXXX XXXX fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make these agencies criminally and civilly liable for all actual damages pursuant to 15 U.S.C. 1681n and 15 U.S.C 1681o. 

I will also follow up with an invoice for said violations ( {$1000.00} ) per violation ). 

Thank you!
Consumer complaint received 2021-08-10
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. (FL)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2018-04-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Worldwide Processing Group, LLC (IN)

In XXXX I entered into a payday loan with XXXX XXXX to help a family member. In XXXX the family member died and I tried to make a few payments on this loan and then it became impossible. In XX/XX/XXXX I learned of the fraudulent practices in use with XXXX XXXX and then it's subsequent shutting of it's doors. I then began receiving calls from another company called XXXX about the XXXX XXXX loan. I sent a letter to them explaining the situation and questioned the legality of the XXXX collecting etc. I received nothing in return. In XX/XX/XXXX Indiana 's Attorney General XXXX XXXX found in favor for the people who were taken advantage of by both XXXX XXXX and XXXX and the companies were made to forgive all loans issued in the same period of time as mine and repay XXXX XXXX dollars to Indiana residents who were taken advantage of. In the last 10-12 weeks I have been getting phone calls from a collection company stating it is from this XXXX XXXX loan. It is called XXXX XXXX XXXX XXXX out of XXXX XXXX NY XXXX XXXX, XXXX. They are saying I owe them XXXX and some change. They said that if I did not return calls they would notify my job, my references, etc. I called them to today and spoke to an XXXX XXXX. She became somewhat apprehensive when I began questioning her about her licensing, the facts from the Indiana Attorney General 's office, The XXXX etc. she was not mean or rude but frustrated I believe. I do not know where to turn. I am wondering if it is legitimate to start with considering all of the legal woes. I am in Indiana and not sure what I should do. Can you give me any advice? 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION (AZ)

Recently, I recently received a copy of my credit report which showed unauthorized inquiries, and accounts that were not opened by me and I did not authorize. I do not have any knowledge of these accounts being opened and affirm that they were opened fraudulently, and any unknown contract bearing my WET signature is fraudulent and was not signed by me. I don't have any knowledge of these accounts being open, any contract bearing my WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit. reporting to XXXX, XXXX, and XXXX want it removed
Consumer complaint received 2023-01-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (WI)

The bank accused me of being a collaboration with " Scammers '' which I was not. Closed my account with not time to give me to apply for an account at another institution. Considering half of my funds went to that bank and at the time my son 's also. After all was said and done Wells Fargo hit me with over {$10000.00} in fees and charges. Which I still have not paid to this day. Caused me undue stress and anxiety. Yet the account I opened to send funds to was compromised before I even got 1st deposit. No one knew of this account. It was only opened for 2 weeks before someone tried to steal $ XXXX from it which wasn't even in account because just opened. I only found thus by an article. So if there is further information you need that I couldn't provide at the time of this complaint filed please feel free to contact me at phone number or email
Consumer complaint received 2021-08-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (TX)

Good morning. 


I am here complaining about company that goes by ability recovery services. They put 3 different collection accounts under my name which I paid off back in XXXX I was told all the accounts will be deleted and that it'll be reported to all the credit bureaus as complete and will be taken off any report However, spoke to them back in XXXX of XXXX XXXX and I was told that they will send the status update to the bureaus again and that it could take 30 days for that to update in their system Coming today after over a month, the bureaus are still showing all 3 of the debt collection accounts and are not deleted. I tried calling the company and they asked me to dispute the charges with the bureaus directly with no better solution I have had no help from them! I am trying to close on a home and I am getting pushed back cause of this company not doing thier work of actually submitting the account status as they are supposed to. Instead asking me to take this up directly with the bereaus.
Consumer complaint received 2020-11-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (NC)

On XX/XX/20 we entered into an agreement with Amerisave Mortgage to refinance our home. We told Amerisave that we would pay closing cost, that we did not want that amount rolled into the loan. We gave them all the information that was requested such as bank information, insurance information, brokerage statements, tax returns and copies of drivers license. 
About 2 days later Amerisave sent an appraiser out. We received a copy off the appraisal the very next day via email. And although we contacted our representatives about every 4 or 5 days we didn't hear anything about our loan. The loan originator just kept saying that they were working on it. Finally, we received a closing disclosure dated XX/XX/20. It stated that the closing date XX/XX/20, and disbursement date XX/XX/20. The loan amount was for more than we requested. The closing costs seemed fair, but the biggest error on the document was the payoff amount to XXXX, our current mortgage company. The amount was overstated by at least {$1000.00}. We tried over and over to get these two amounts changed and we got nothing. We received two other closing documents after this and the payoff amount kept going up. On XX/XX/20 we closed on the loan. Our disbursement date was XX/XX/20. Today is XX/XX/20 and XXXX has not been paid. We can not get answers from Amerisave. They don't know what happened. We reported Amerisave to the XXXX XXXX XXXX and they did not respond. No one at Amerisave will take responsibility.
Consumer complaint received 2020-09-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (WA)

Became XXXX  XXXX in XXXX. 
Filled XXXX forms to relieve debt ( XXXX discharge ). 
Had XXXX  fill out forms and submit. 
Waited the 3 years to confirm XXXX  XXXX. 
Had all student loan debts discharged - except from Greater Lakes Higher Ed. 
Every year since XXXX, had to contact lender and resubmit process. 
Every year debt not discharged, but new collection company contacting about debt. 
Every year explain to collection agency, explain to loan holder, restart process. 
Now been years since debt was discharged and no resolution has occured. 

Total Amt owed : {$410000.00}
Consumer complaint received 2023-01-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital one closed my account due to an administrative decision. They emailed me and said they would release funds to my linked back account in 2 Days or a check 7-10 we are now passed that. I also deposited a check which they have not made available clearly not following the federal guidelines of funds availability, they told me there is no set time on the hold which I think there had to be regulation they cant hold the money forever. 

Need help
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/2020
Consumer complaint received 2021-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NC)

Trying to get a payoff on a Truist Mortgage. Called BB & T and Suntrust and neither can access account. They supposedly have merged! 

Have been on the phone with Truist XXXX number and they have a wait time of greater than 25 minutes. They say to call back in a week or so. That will just add interest to the payoff amount.
Consumer complaint received 2021-02-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: EdFinancial Services (CA)

My name is XXXX XXXX. My wife and I keep getting calls from Toll Free Call XXXX XXXX. When I call this number I get an entity which identifies itself as ED Financial Services. When I ask why they have been calling twice a day for at least three years, they mention a student loan. They ask if I am XXXX XXXX. This I admit, adding that I have no outstanding student loans. They then ask for me to verify my date of birth. This I refuse. Similarly I refuse to give the last four digits of my social security number. This is standard practice which we advised consumers to follow when I worked for the XXXX XXXX XXXX XXXX XXXX. When I asked, today, for any detail about the loan they asked about, they refused any and all information unless I gave them personal information. I explained that 'XXXX XXXX XXXX is a common name, and I was under no legal obligation to provide them with personal information. The ED Financial representative I spoke to indicated that she would give me no information about the loan I supposedly owed without my revealing personal information. I advised her to take me to court should they feel I owed them money and I would be happy to explain the situation to a judge. XXXX, from Ed Financial Services, suggested that the phone calls would continue until I gave her the personal information outlined above. I told XXXX XXXX that I would not give her personal information and I would contact the CFPB. Can you help me with this matter? I consider ED Financial Services ' methods abusive. Thanks, XXXX XXXX
Consumer complaint received 2020-10-20
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NC)

I have an XXXX account which is through XXXX via XX/XX/XXXX. On XX/XX/XXXX, {$250.00} was taken out of my account without my authorization. After 13 calls the bank is unable to find out where the dollars went and have since locked my account from me getting my money. I have no access to the dollars and they can not explain where the {$250.00} is.
Consumer complaint received 2021-04-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My Bank of America credit card ( along with two other credit cards ) was stolen and used at XXXX XXXX in a nearby city, in the amount of {$4000.00}. I was notified of suspicious activity immediately and cancelled the card. The fraud department of B of A determined it was not fraud and charged my card with the {$4000.00}. 
Those other two stolen credit cards were also used at the same time at the same XXXX XXXX for {$4000.00} each. Within ten days, both XXXX XXXX and XXXX determined that the charges were fraudulent and that I was not responsible. The letter of denial from B of A told me that I authorized the use of the B of A card. Can you help me?
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

On XX/XX/2022, I went into a Citizens Bank branch on XXXX XXXX and XXXX to close my checking account. I also had a line of credit open that my checking was auto paying. 

Before closing my account, the teller said they needed to move money over to my credit to zero out the balance and to come back a week later to close out after that was completed. 

I took a XXXX withdrawal ( leaving enough to pay off line of credit ), signed the funds transfer paperwork and left. 

About two weeks later ( believe XX/XX/XXXX ), I came back into the branch, verified my credit accounts were closed and took the remaining balance from checking and closed account, signing paperwork. 

In XXXX, I noticed my lines of credit were drastically decreasing and being closed at other banks ( for no apparent reason ). When I looked into it, Citizens Bank had filed a major delinquency report on me because they said my line of credit was still open. 

With this knowledge, they had never called, sent a letter, texted or communicated with me in any way. I checked my online account and it showed XXXX balance. When I called, the credit department said to pay it off. The XXXX office said theyd have a letter written to me in 30 days. This has to be some type of Reg E violation. 

My credit has dropped over XXXX points due to this ( false reporting > reduced credit score > lines of credit decreased > utilization rates up XXXX continued decrease in score, etc ). 

Citizens has not looked for ways to help and is leaving me in a perilous financial situation with resolution being a letter in 30 days.
Consumer complaint received 2023-01-28
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2021-03-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

According to Section 392.101 of the Texas Finance Code prohibits a 3rds party debt collector from engaging in collections in Texas unless they have obtained a surety bond and it is file with the State. The Texas Secretary of State has no bond on file for Portfolio Recovery Associates. They are attempting to collect {$460.00} from me and are damaging my credit as a result. It does not appear they meet the State of Texas Licensing Requirements and are violating the law.
Consumer complaint received 2021-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Santander Consumer USA Holdings Inc. (FL)

SANTANDER is reporting a fraudulent account under my credit that i did not open, on my XXXX, XXXX and XXXX report. they are damaging my good name and i want to buy my first home. this is the account number XXXX i see on my credit report. someone tuck out a car under my name. i never use credit. i pay everything cash. my XXXX XXXX pays for all my stuff. he said he will have the top lawyers in florida look at this to sue Santander bank and all the credit reporting agencies.
Consumer complaint received 2020-05-15
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. (NY)

In XX/XX/2020 I called Chase Card Services about questions about possible overcharges during the first 3 months of the year. They briefly looked at my account and indicated they everything looked OK. They then advised me to send them correspondence with more details. On XX/XX/2020 I sent the company a detailed letter with copies of 3 months of statements, XXXX, XXXX, and XXXX detailing how Chase 's auto-pay program deducted more than the purchase totals made during the statement periods. I asked for an explanation since my account doesn't accrue interest because the entire monthly balance is paid in full. 

I stopped the Auto-pay in XXXX because I realized there appeared to be a problem with the amount being deducted by Chase Auto-pay versus the statement balance. 

Chase replied to me via a letter dated XX/XX/XXXX, telling me how to set up Auto-pay. The balance discrepancies I asked about were not mentioned.