davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX granted me credit on XX/XX/2016 with a balance of {$17000.00}. The card was maxed out. The Creditor closed my account and the total balance of {$17000.00} was paid in full. The account still states on my credit report as paid account but delinquent. The account was never delinquent and it was paid in full. This needs to be updated as just paid in full account.
Consumer complaint received 2016-05-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (MI)

Me and my husband open a Wells Fargo account on XXXX/XXXX/2016. The first couple of days was fine until XXXX/XXXX/2016 I got a call from the fraud department saying that my account was flagged for suspicious activity. Someone got access to my online account and change my personal information around. I had to verify it was not me and to give them the correct info and everything was fine. The next day I tried to use my card in the store and it was declined. I called Wells Fargo and they told me that my account was on hold and schedule to be closed on the XXXX of XXXX. I said " why '' and they told me of XXXX checks for {$2500.00} that was deposited into my saving account was fraudulent and was return. I explained to them " what checks? '' what are you talking about? They proceeded to tell me they spoke with a man over the phone about my account information and the fact that my account be closing and the man told her that he was my husband. I assured her it was not my husband so she told me to verify my address and phone number, I did and she told me it was not correct!!! She told me to file a fraud report but it wo n't help because my account is closed and debit card is closed as well. i would have to wait 2-4 weeks for my cashiers check to come. I told her it is going to go to the wrong address because the address is not mines!!!! She said she was sorry but it was nothing she could do.
Consumer complaint received 2015-08-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (TX)

We received a medical bill from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The amount we owed after insurance was {$210.00}, paid on XXXX XXXX, 2013. The company still turned us over to collection. To date we have been harassed by the following companies in order to collect a debt we paid. We have sent all documentation to each company, i.e. our credit card statement with the amount paid to XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDebt Recovery Solutions, LLCEach company names the creditor XXXX XXXX XXXX, XXXX. We have had to prove each time we paid the debt. Each company is collecting the exact same amount we paid. This has to be some sort of fraud at this point on their part to collect a debt we have proven time and time again we paid.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 2022-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLOBAL PAYMENTS DIRECT INC. (NY)

I signed up for XXXX XXXX because they were giving away free play money. I signed up with all my personal information and turns out it was a complete scam. I won money and they wouldnt let me cash it out. Instead, they tried to take {$420.00} dollars from me that I did not authorize them to do. I tried to get in contact with this company and you cant even get a hold of anyone. Therefore, I disputed it with my bank because I did not authorize them to take that money. Now, they sent me a debt collection letter saying I owe them the money when it was already disputed with my bank and threatened me with a letter that they were going to report it to credit companies and take a hit on my credit.
Consumer complaint received 2021-06-03
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: Sensible Auto Lending, LLC (OH)

This is my second time disputing these accounts that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : -XXXX XXXX # XXXX -SENSIBLE AUTO LENDING # XXXX
Consumer complaint received 2020-10-19
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. (TX)

I have been having so many issues in regards to my identity being stolen. I spoke with experian, XXXX, and XXXX and sent them all the documents required, and i have yet to hear anything back from them. Nothing has been removed or fixed and my personal life and credit score have been hit extremely hard.
Consumer complaint received 2015-09-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXXcollection agency collected from me a debt for XXXX, amt {$390.00} on XXXX/XXXX/2010 & reported to Transunion, Paid on XX/XX/XXXX.2010. Yet it is still reporting delinquent by Transunion for XXXX years. That has effected my credit in a bad way. 
Please correct. 
Thank you.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-06-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

as soon as I applied for forbearance, my mtg started charging an unknown fee of {$17.00} each month. They indicated this would never happen. I have asked them about this and they have not replied. 
This last month, I noticed it was shown as a late fee, even though I wasn't late. I think this is illegal!
Consumer complaint received 2022-02-11
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A. (MN)

I called Citibank ( XXXX ) on XX/XX/22 at XXXX XXXX to close my Savings Account. The Customer Service Agent advised they could not close my account and gave me another number ( XXXX ) to call to close my account. When I called that number, they stated I needed to provide them with my account number and social security number. They then asked for my credit card number because they needed to charge me {$4.00} to proceed with closing my account. This did not sound right so I hung up and called the original Citibank number back. This time the Agent said they could help me and they closed my account. Unfortunately, someone has my account number and social security number and I don't believe it's actually Citi, even though one of their employees gave me the number which I verified was correct with them before calling.
Consumer complaint received 2016-10-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (WA)

I have some medical bills that was sent to collection due to non-payment as my employment ended/changed. I needed time to get back my feet. The last month I had paid what I owed based on what was showing on my credit history. I paid the balance off and last Friday I received another notification about another medical bill. I was trying to obtain some information and the lady that I was speaking with was very rude and unprofessional. She was very combative and would not allow me to speak. I was getting frustrated because of the way I was treated. I ended the call as I was not being treated with respect.
Consumer complaint received 2016-09-23
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (WA)

I opened an American Express Business credit card account as a member of an LLC ( XXXX ). I was told they needed my social security number due to the Patriot Act. The XXXX became insolvent, and American Express called me saying it was a debt I personally owed. After no less than 10 conversations asking them for documentation to support this when I told them I did n't sign for that, they continued to say they would " send what they have '' but instead sent me to collections. They continued to mislead me with their intentions until I was contacted by a collection law firm. I had to hire an attorney, pay court costs, even pay to fly to a court hearing since I no longer lived in the state the account was opened in. My credit was damaged, getting me denied for home rental for my family. The judge agreed with me as they had no documentation, and finally about 18 months later my attorney and the law firm representing American Express agreed on a dismissal with no further ability to attempt to collect. I sent all credit bureaus a copy of the order signed by the judge, and XXXX and XXXX removed the account from my personal credit report. XXXX, is still being told that " it 's my debt '' by American Express even though it 's dismissed, I was found not responsible, and I never signed anything saying it was my responsibility. It is still damaging my credit.
Consumer complaint received 2022-02-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Solar Mosaic LLC (FL)

I purchased solar panels from XXXX XXXX XXXX and were advised that the payment for the panels would begin when the panels are installed. The contract was signed on XX/XX/XXXX and its now XX/XX/XXXX and I have no solar panels. I received a copy of the contract that stated my 1st payment will be due on XX/XX/XXXX instead Mosaic sent me a statement for a payment due on XX/XX/XXXX. I will have to pay 2 bills my electric bill and Solar bill with no solar panels to show for it. I was advised by Mosaic to discard the contract and pay them on XX/XX/XXXX. I asked to speak with the manager to get the situation escalated and at the end of the week I was advised to make the payment by the manager XXXX. 
This is very confusing and unfair to pay for goods and services I dont have especially when I have a copy of a contract with a different due date.
Consumer complaint received 2015-08-18
Product: Credit card — 
Issue: Other — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

Please reference the initial complaint - Case number : XXXX filed on XXXX/XXXX/2015. This complaint is for HSBC account # 's XXXX XXXX and XXXX and excludes the XXXX XXXX account. HSBC has never responded to the XXXX complaint. HSBC has never responded to my XXXX XXXX, 2015 letter. " Allegedly '' the credit bureaus were able to verify this information with HSBC. 

Bottom line, to date I have not received any verification documents on these accounts. HSBC has exceeded the legally accepted 30 day allotment to verify these accounts. According to the FCRA rules, if a creditor does not verify the debt within 30 days to the debtor, they are not allowed to continue attempting to collect the debt, nor can the creditor list the debt on the consumer 's credit report. 
This is a clear case of unverified debts that need to be removed from my credit files immediately. My only option left is to file suit.
Consumer complaint received 2017-05-23
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. (FL)

I have disputed    XXXX   XXXX   XXXX   numerous of times on my credit report with   XXXX   and EQUIFAX. It is showing as an repo on my credit. I have asked for debt validation from   XXXX   CB 's and orginal creditor. I have asked for an copy of the orginal contract. I have called the creditor and was informed that they have no trace of the contract that an agent will request to see if the warehouse has it. That was o n  X/XX/17 .   On  X/XX/17  I ca lled back and the agent told me she doesnt know why but there isnt a contract on file. This is creating an hardship and I will proceed to sue if this error isnt corrected.   XXXX   a nd EQUIFAX is going against the FCRA by not looking into my disputes.
Consumer complaint received 2015-05-05
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (IN)

I have been struggling with HSABANK since XXXX 2014. Their website does n't provide accurate information about account balance, beneficiaries, and does n't allow me to transfer to my investment account to manage it. Their so-called customer service is inept. Since this is an internet bank a non-functioning website is the same as if they were closed or out of business. They do not respond to information requests.
Consumer complaint received 2023-03-28
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. (AZ)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 US-CODE 16921 XXXX XXXX XXXXXXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT CBNA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX
Consumer complaint received 2017-03-07
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Peerless Credit Services Inc (PA)

XXXX XXXX XXXX not only did not verify my information other than a name before stating I owe money, next they refused to answer my questions about their validation process and immediately were rude informed me they would mark my file as refusal to pay which at no point did I state anything to that affect and I was told the file would be turned over to an Attorney. At no point did they listen to me or have any willingness to find a resolution
Consumer complaint received 2022-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (MI)

After applying for a mortgage, I noticed my XXXX score was much lower than expected. Upon receiving the full credit report, noticed there was a fraudulent collection in the amount of {$220.00} from Credit Management for original creditor WOW. I have never had WOW cable or internet services in my life. The credit report also listed an alias that I have never used and an address at which I have never lived. 

On XX/XX/XXXX I contacted both XXXX and the collection company Credit Management to notify them of the error. Credit Management stated I had to complete all the steps on their website under their ID theft/Fraud Claim section which includes submitting : a Federal Trade Commission Identity Theft Report, the police report with this account noted as fraudulent, my social security card showing only the last four digits, my photo ID, and proof of residence from XX/XX/XXXX when the collection was reported. Everything was submitted to Credit Management on XX/XX/XXXX. They have not provided any updates or responded to my status requests. 

A representative from XXXX called & said I should receive an affidavit from them. I did not receive it so I emailed XXXX asking when I can expect it. They responded stating " The account # XXXXXXX is not under your name or address. I checked the social security number that was on the account and it does not belong to you. I do not see any evidence that this account was opened fraudulently in your name. There is also no balance on this account. No action is necessary on your part. '' I responded " That is not true. XXXX reported a collection to a collection agency and it is now on my credit report. So if it wasn't fraudulent, then it was XXXX 's error and I expect it to be corrected immediately along with a signed letter from XXXX on letterhead stating that is was reported in error, that they are correcting this error with the collection company, and that I have never had an account with XXXX. '' They responded that they would have to look into it further. XXXX  has been provided with a copy of the police report and my credit report showing the collection. 

Per the police report, the police went to the address now listed on my credit report and asked for the alias. Per the report, the alias was cooperative and willing to work with deputies & XXXX cable to figure out how this happened. 

Credit Management on behalf of XXXX has still not deleted the erroneous collection from my credit report.
Consumer complaint received 2017-02-22
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (VA)

Consumer Finance, I contacted Navy Federal Credit Union ( NFCU ) on XX/XX/2017 to reactivate an old savings account over the phone. During that time on the phone with NFCU at NO time was I informed or authorized anyone to hard pull my credit. On XX/XX/2017 I was then notified by my Credit monitors XXXX, and XXXX that NFCU pulled a hard pull of my credit w/ out my authorization. I contacted NFCU customer service regarding this and they suggested I file a dispute with XXXX to fix the issue. I contacted both XXXX, XXXX, and XXXX to dispute this incident due to the fact I did not give permission for this pull or was I neither informed by NFCU it was going to be pulled. XXXX provided me with instructions to dispute NFCU 's mistake ; I contacted NFCU the same day to start the dispute process. All NFCU needs to do is to provide a letter. To be exact a Deletion Letter for Inquiry. Then I am required to mail said letter myself to XXXX along with a Cover Letter, and my XXXX File # XXXX. TransUnion will then be able to delete NFCU 's unauthorized mistake from my credit. Unfortunately, NFCU will not provide me with such letter after many attempts requesting it. I even suggested NFCU to call me so I could conference them in with XXXX so they could repeat the process to NFCU to fix the issue NFCU created. Consumer Finance thank you for taking the time to look over my issue and helping to resolve it. Respectfully, XXXX
Consumer complaint received 2022-02-11
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. (WY)

In signing up with Experian as part of the XXXX Settlement, they require that you agree to cookie use and targeting advertising. I'm sure this was not the intent of the settlement. It is wrong that in order for victims to gain the benefits of an awarded settle that they now have to agree to additional terms that include new data mining of victims as well as agreeing to targeted advertising by third parties. None of this should be required in order for those of included in the class action suit to receive their settlement. No one should have to opt out of cookies collecting private information and then marketing this info. Only when a person OPS IN should this occur ( no passive opting in and no forced acceptance should be permitted ).
Consumer complaint received 2021-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Saturday, XX/XX/XXXX, I was checking my on-line checking account, and I noticed on my second checking that Bank of America had made a direct deposit of a military member 's pay check into my checking account, I went to the bank on Monday to let them know of the mistake they made. The mistake is being corrected now. I already have a fraud claim against Bank of America, now they do this, what kind of bank is this? Enterprise Resolution of Bank of America acts like they aren't doing anything to get my {$23000.00} back. Every time I try to contact them, all I get is leave message on voice mail. This bank needs to be closed down. I tried to cash a Bank of America cashier 's check and was told I have to come back in four days to get my money. It is alright for them to steal money from you, but when you have one of their money checks, they don't want to cash it.