davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion and XXXX removed bankruptcy from credit report and then placed it back on credit report. I have requested numerous times to have it permanently removed. By law, the 5 day rule would apply to advise PRIOR to reinstating information previously removed from credit report. Additionally, the listing exceeds 7 years, which is the maximum amount of time allowed to report on credit report.
Consumer complaint received 2023-01-30
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

XX/XX/2023 Received several emails notifying me an account was being set up with Bank of America ( BoA ) spanning from XXXX until XXXX. The last email notified me that the email associated with the account was changed from my personal account so I had no access to the created information. I had not requested any of this nor ever had I done business with BoA in the past. XXXX I confirmed the emails were legit and there was an actual acount opened I contacted BoA through the main number associated with their website not from the emails around XXXX. I was connected to the fraud department and was notified that my personal information was used including my address and SSN to open the account. Fortunately, no activity had taken place and the account was closed. BoA reported that I would be receiving an email detailing this information in 7-10 business days. I was provided a fraud protection suggestion page which informed me to place an alert with the 3 credit bureaus and XXXX. I also took extra steps to change all passwords to important accounts and verify credit history for information on any other possible issues. On XX/XX/2023 I received another email reporting that I was attempting to set up another BoA account. This time it stopped with the first email asking to verify my email. I contacted BoA again and was told I should place a freeze with all the credit bureaus and XXXX. I was able to do this and also went beyond with requesting an PIN from the IRS and checking into what is needed to freeze a SSN. Currently waiting to see if further fallout happens...
Consumer complaint received 2019-11-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONTRACT CALLERS INC (IN)

This company calls and harassed me about a debt that I dont owe. This is for a phone that was returned to XXXX and is not owed. This company has also reported this debt twice to the credit bureau and appears as TWO SEPARATE accounts on my single credit report. I do not owe this debt.
Consumer complaint received 2024-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. By requesting " validation '' ; I am requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay PORTFOLIO RECOVERY. Portfolio, recovery associates collection agency in the state of Michigan does not have legal authority nor proper licensing. Portfolio, recovery associates does not possess a collection agency license in the state of Michigan. I am a Michigan resident in portfolio. Recovery associates has been attempting to coerce me into believing that I owe them a debt. They have failed to show me any contact agreement in which I agreed to do business with this company. In an attempt to take advantage of me, the consumer, they have included the name associates to appear as if they lawyers or attorneys in which they are not. This company has been violating my consumer rights for years by furnishing this onto my consumer report. Without my consent I have never done business with or have I acknowledged this alleged debt. 
The account number is in question in relation to these alleged debts are Acct # [ XXXX ] {$430.00} At the refusing to validate the these alleged accounts this company is breaking the following laws 15 usc 1681b Identity theft 15 USC 1681n Willful Non Compliance 15 usc 1681e Not reporting accurate information 15 USC 1602G Because of these constant violations of the law and my consumer rights, I am legally and lawfully, refusing to pay this company
Consumer complaint received 2020-10-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (FL)

I received a debit card from Chase on XX/XX/XXXX of which was for a checking account at chase that ended in XXXX. I do not and have never opened a checking account at Chase Bank. I called the bank on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. On XX/XX/XXXX and XX/XX/XXXX after waiting both times for over 45 minutes was told that I had to speak to the Fraud Department and they were closed. On XX/XX/XXXX i waited for an hour for a representative and when they answered they disconnected me. I proceeded to call back and waited another 50 minutes when a gentleman answered named XXXX who verified that there was a checking account opened for 35 days with a XXXX balance, the account was opened online and verified that all of the information was mine with the exception of the telephone number was an XXXX number which should have been a RED FLAG. He proceeded to send me to the Fraud Department where a lady named XXXX informed me that she had to send me to the Identity Theft Department. A XXXX from the Identity Theft department informed me that she was going to mail me a document to sign and I needed to mail copies of my Drivers License and another form of ID along with my SS card, They already obtained and confirmed my information with me and I still have not received anything from them. I feel that the bank did not do a proper XXXX due diligence when this fraudulent account was opened and they also ran my credit as I checked my credit report and it is on there. The debit card number is XXXX XXXX XXXX XXXX. I asked for the Chase staffs full names and they all stated that they were only allowed to provide their first name.. It was never confirmed that this fraudulent account was closed and that the debit card was closed out too. This is the worst bank as they opened an account and didn't do the proper due diligence and to know that now someone out there has all my information and was able to open an account is very disturbing.
Consumer complaint received 2024-05-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (TX)

XX/XX/year> I was noticed by XXXX a credit card debt would be going to Transworld Systems Inc for the amount of XXXX. Would be taken out of my Social Security check. They are taking XXXX a month and my family is going hungry. They are charging me close to XXXX on a XXXX debt. They wont give me any information on why.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Possible Financial Inc (FL)

To whom this may concern : Please validate the alleged debt referenced by the following account number : XXXX.Your company stated that a total balance was due in the amount of {$200.00}. 

If Possible Financial still claims this debt is valid, correct, and accurate, please provide the following specific verification of records : 1. A copy of original contract with a signed application dated with my signature.

2. Proof that your company offered me some form of consideration ( i.e. loan, service, or good ) and proof that I accepted your companys offer.

3. The specific identities of the real parties of interest 4. A sworn affidavit of verification from a company employee or a custodian of records affirming that they have personal knowledge of this alleged account and that amount of $ amount is owed to Company Name.

5. A full ledger of accounting documentation.

6. Specific services and codes ( please include service codes ).

7. Please provide your Your State business license and articles of incorporation to do business in my state.

I hereby give Possible Financial 15 business days to produce verification described herein this notice. If your company fails to produce the aforementioned documentation within the measure of this time outline above, then it will be assumed that the alleged debt is invalid and I am accountable for no more than XXXX dollars in regards to this alleged debt. Also please note, I will not accept anything less than a sworn affidavit under penalty of perjury by a custodian of record, employer by the allege creditor, affirming that the said alleged debt exceeds more than XXXX dollars. Please refrain from contacting me by phone or mail concerning this alleged debt until the aforementioned validation is satisfied. Failure to do so may result in me initiating a legal action and/or a filing an administrative complaint with the appropriated agencies including the Federal Trade Commission and the Consumer Protection Financial Bureau for further investigation. Thank you very much in advance for your prompt response. 

Respectfully, XXXX XXXX
Consumer complaint received 2024-05-17
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY (MA)

Fraud activity ( unauthorized credit card opened under my name ) occurred XX/XX/XXXX. I have provided the following information to target : Filed an Identify Fraud Report ; Filed a police report ; Sent them a picture of my driver 's license ( person opened using my personal information but an inaccurate driver 's license number ) ; attached texts that show that I was not at the store when card was opened. Target is denying my dispute that a fraud has occurred saying that I need to provide supporting documentation and not being specific what additional documentation is needed. I am not sure what more I can do. Appeal process is taking too long. Target credit card is not contacting me the consumer to resolve this. I have been calling them 2-3 times a week for over 3 months now. They first sent my original fraud claim to wrong department ( dispute ), then they denied the second claim asking for more documentation though not specific what they need. Latest review is also denied. No one on phone can tell me why and don't know why target can not piece the parts together. While this is going on, my credit card rating has slipped XXXX points as my fraud account is delinquent. I would like to know my rights as a consumer as their level of service is poor. I would like to know how I can rectify this and if my excellent credit rating can be restored. I was XXXX and now I am XXXX as I have not paid this bill and it is over 30 days late. Please help! On a side note, I already have a target credit card since XXXX, so I've been a loyal customer for over 20 years. I plan to close my target card after this is resolved because I do not want to be associated with the target fraud department again
Consumer complaint received 2022-04-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kansas Counselors, Inc. (NE)

I had an XXXX XXXX  visit with a local XXXX. I submitted my health  insurance  card at the times of service. Several different providers billed my insurance for the visit, one provider did not. Instead of billing my insurance for the visit this provider marked it, according to the collection agency they sent it to, as " self pay ''. The collection agency refuses to send the debt back to the original provider to be properly billed by my insurance carrier. Despite being informed of the fact that the billing on the account wasn't properly handled and the amount owed is inaccurate, they insist it is a valid debt.
Consumer complaint received 2022-04-05
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ProCollect, Inc. (TX)

XXXX XXXX ask them to verify debit and amount and the company was disrespectful and will not remove the negative account from my report which reflects a bad imagine on me that goes of defamation of character.
Consumer complaint received 2021-11-03
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. (GA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2024-05-16
Product: Credit 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: GOLDMAN SACHS BANK USA (CA)

XX/XX/XXXX I was on a XXXX call with XXXX and was offered a service of a lead generation system. There was a charge for {$290.00} which I agreed to and charged on my XXXX credit card provided by Goldman Sachs. This was also paid by myself. XXXX moderator was also trying to sell additional services at {$5000.00}. I was interested but did not move forward or agree to any terms. I did not not sign any contract or receive any services. However, on XX/XX/XXXX XXXX charged my card for {$5000.00} without my permission. Once this charge was placed on my account, I was notified by email and text. I quickly contacted the company and they began the dispute.I contacted the company to tell them to remove. They agreed in phone conversation and text to refund me, but never refunded my card. I have had a total of 4 disputes each taking roughly 90 days to " review and investigate the transaction '' Each time the company would say they would disclose to me the evidence that was provided by XXXX to validate the charge. Nothing was ever given and each investigation ended with the same result. I provided them a text conversation from XXXX stating they would refund me, but Goldman Sachs did not think that was good enough evidence.As of today XX/XX/XXXX almost a year later, Hours on the phone with Reps, months of waiting for a decision. I received the 4th decline letter this morning, and again with no evidence or reason why!
Consumer complaint received 2022-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (GA)

ive been a victim of identity theft with a credit card from XXXX XXXX  being collected on by cavalry portfolio recov i never used nor gave permission to use this account in my name and ive spoken with several company reps to have this matter resolved as of XX/XX/2022 it is still inaccurately on my credit report
Consumer complaint received 2022-03-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Aargon Agency, Inc. (FL)

I saw on my XXXX and XXXX reports that AARGON submitted a collections file to my credit scores. To the best of my knowledge, I never been contacted by this company and have never communicated by any means. I have had 100 % on time payments for over 20 years. I would like proof of any and all methods, specifically certified mail correspondence, that they previously contacted me and made me aware of the issue.
Consumer complaint received 2019-11-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kohn Law Firm S.C. (CO)

XX/XX/19 I have attempted to obtain information from Kohn Law Firm about the nature of a debt that they claim I owe. I have asked for an itemized description of the debt and how they calculated the amount that I allegedly owe. The alleged debt is past the statue of limitations, yet they claim they are still charging interest on the debt. Kohn Law firm claims that they have no obligation to provide a written explanation that itemizes what I allegedly owe. The amount owed is allegedly $ XXXX.The original creditor is XXXX and the Creditor listed is XXXX XXXX , XXXX. 

Kohn Law Firm XXXX XXXX. XXXX XXXX, XXXX . XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-20
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: KEYCORP (NY)

On XX/XX/2018 XXXX/XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX - XXXX-XXXX-XXXX as contact number on report ) requested my credit report. 

On XX/XX/2018 XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX, XXXX-XXXX-XXXX-XXXX ) requested my credit report again without any authorization or explanation.
Consumer complaint received 2017-12-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

on XX/XX/XXXX i advised Wells Fargo who is servicer of my XXXX XXXX Harp loan for the federally mandated federal disaster declaration deferment on my loan and made a CFPB complaint which has never actually been answered and they have refused to grant it in violation of federal law. they have also been granted repeated extensions by you and never actually spelled out how a XXXX XXXX HARP refi does not qualify for the federal disaster deferment. Today they sent me a statememt reflecting a late payment charge of {$22.00}. You should also note i made both my XX/XX/XXXX and XX/XX/XXXX payments in XX/XX/XXXX and they refused to process the extra odd dollars in the payment. Rather than actually have a XXXX   i sent them the {$1500.00} XX/XX/XXXX and XX/XX/XXXX payments on the XX/XX/XXXX. they have also missed the 30 day deadline for providing all of the information i requested via certified mail on XX/XX/XXXX. said legal request is attached to this complaint. please shut these crooks down and send them to jail
Consumer complaint received 2022-04-06
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. (TN)

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions
Consumer complaint received 2020-10-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (CA)

First I would like to leave clear that due to the impact of Covid-19 I lost my job and I have not been able to find a job while my husband hardly gets his hours for a part time job to work on his new job and the fact that our kids are taking school at home does not help even though we are getting help from local churches, food banks and even family members, our situation is still hard at this time as we both are slowly sinking into debt. 

The problem that I have with Midland funding is that I owe them the amount of {$710.00} which might seem like something small and easy to pay for the average person but the thing is that at this moment we can not pay the full amount due to our circumstances that we are going through and we are not sure if we are going to be able to pay it later on because like I said we are slowly sinking more and more into debt due to that we can not follow up with the bills even though we have already tried to reduce our expenses as much as we could. 

Me and some close friends that have been on this kind of situation have had a discount of more than 50 % but for some reason when my husband called Midland to see if they could help me somehow making me a discount for what we are going trough they just thought that it was ridiculous that we would think that we could get an offer under 50 % and they gave us the offer of 95 % in payments even though my husband had already explained her that he only had {$300.00} and was not sure if he could follow up with the payments because of our income and that we are slowly sinking into debt. 

We felt like we where taken as a joke and they did not care about of our situation at all as I heard on the call. For a moment there I was put on hold but the representative did not mute herself and I heard her to talking to someone else in what seemed to be her laughing at my hardship or my inability to pay. Im not sure if thats what she said but thats what it seemed like as she thought I was on hold.
Consumer complaint received 2020-10-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WATERMARK CAPITAL, INC. (CA)

The Producing Team Lead, XXXX XXXX XXXX, decided to close our loan application today because my wife and I did not want to agree to the loan disclosures with incorrect numbers. We previously submitted a complaint ( XXXX ) about this lender for failure to provide us with loan disclosures without submitting additional documents and before the three-day timeframe. XXXX XXXX contacted us onXX/XX/2020 to see if he could resolve the original dispute by honoring the initial offer we received when we started the application. Since we started communicating with each other, he did not acknowledge the original complaint but only tried to move forward with completing our loan processing. I requested that he correct the loan disclosures to reflect the actual numbers that we agreed to. He did not attempt to correct this for us but decided to cancel our application neglectfully. Additional fees were not previously disclosed, and he has not effectively clarified the additional amounts. An amount not previously disclosed includes an origination fee amount of {$1400.00}. When my wife and I started doing business with the lender, we provided our monthly property tax and homeowner 's insurance amounts. They decreased the amounts on the loan estimate to make it seem like the closing costs will remain the same as the initial numbers. We are expected to agree to incorrect information.