davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SG and Associates (CA)

2 months ago I started getting phone calls from different numbers asking for my information, when I asked what was the call for they would say they couldnt say anything about the reason of the call until I give them all my information. I would tell them to stop calling they kept harassing and threatening me. Saying they were going to take legal matter and file a report, stated that they knew where I lived and where I worked, and they were going to send someone to personally deliver documents about the report if I dont pay them right away. I logged on to my XXXX XXXX  and noticed that there was a collection of {$880.00} from Stafford Group Associate. I looked it up online and noticed from the same company that they were doing this to other people. If you could please help me to dispute this transaction/collections.
Consumer complaint received 2018-05-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSWORLD SYSTEMS INC (AZ)

XXXX is currently reporting me to XXXX  credit services as Failure to Pay. there are two problems here.

1. the same account appears twice on my XXXX report. I have contacted XXXX 5 or more times about this issue and they can not or will not correct the problem. 

2. XXXX is reporting account as an installment loan. One the report it clearly says terms are unknown. The account has been paid in full and should not be reported on my report since it is almost 8 years old. 

XX/XX/2018 contacted XXXX was told there was nothing they can do, directed me to call XXXX. 

Called XXXX put in a dispute saying the debt is a duplicate account. 

XX/XX/2018 Notified by XXXX that XXXX validated both accounts. 

Called XXXX about the dispute they advised me they had to finish disputes in a timely manner so they validated both of them. They advised me to call XXXX   back to dispute again. 

Called XXXX back they said no they cant dispute again without me having some additional information. 

called XXXX back, they said they will try to fix it but can promise anything.
Consumer complaint received 2018-10-19
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: EQUIFAX, INC. (AZ)

" " '' I have disputed this collection on this XXXX XXXX  for months.XXXX  and XXXX   have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2020-04-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: U.S. BANCORP (KS)

I have had several companies take out unauthorized transactions from my debit account. I filed dispute with us bank regarding the unauthorized transactions and asked if I could complete the dispute paperwork over the phone, as I do not have means to mail or fax at this time. The us bank card member services personnel member berated me over the phone and told me I needed to fill out the paperwork if it was sent to me. When I asked about an alternative to filling out the paperwork she became rude and told me to hold so she could get another team member to talk to me, left me on hold for a long time, then disconnected the call. This is the eighth time I have been hung up on by us bank when trying to handle my disputes.
Consumer complaint received 2022-10-24
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)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX XXXX XXXX, UT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XX/XX/2022.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (AZ)

I AM UNABLE TO PLACE A SECURITY FREEZE FROM INNOVIS WEBSITE, THE WEBSITE IS PROMPTING ME TO SEND A LETTER, I HAVE SENT THIS COMPANY NUMEROUS LETTERS, THEY ARE REFUSING TO RESPOND.
Consumer complaint received 2022-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable hard inquires which XXXX, TransUnion and didn't make sure it was reporting 100 % correct. I called many many times and told both companies and no changes hasnt change. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681 ( b ) and 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate
Consumer complaint received 2018-05-24
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: VW Credit, Inc (NY)

I leased a 2014 XXXX XXXX. During the leasing process I was told that absoluted all fees were paid upfront and then all I needed to do was pay the monthly fee and return the car in an acceptable condition. Upon completion of the lease, with the car in perfect condition, and with the car with far far fewer miles than contractually allowed, I was charged a {$380.00} disposition fee because I didn't choose re-lease another XXXX. This was never disclosed to me. It was buried in a giant contract which I was told was standard and unfortunately I signed without fully reviewing or referring to legal counsel for review. I was told it was standard and I had been told of all fees. XXXX threatened my credit. They had a collection agency come after me for this. I tried to speak with supervisors. They told me the CFPB has no jurisdiction over them and that they are not aware of any rules regarding properly explaining hidden fees to customers. 

I would also add, I chose not get another XXXX because the dealership was over-billing me for service and attempting to commit insurance fraud. Claiming it would take some insane amount of labor and excessive parts expense simply because they could convince an insurance adjuster to approve it. This made me very uncomfortable. This coupled with the generally terrible service was enough to turn me off the dealerships closest to me and the brand in general.
Consumer complaint received 2018-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (IL)

I have reported this debt on my credit report to each credit bureau and also the company that placed it because it is a result of identity theft. I have lived in XXXX, XXXX since XX/XX/XXXX and once I moved out of my fathers home in XX/XX/XXXX I put my electricity bill in my name and have so even now. There is no reason I would have needed a electricity bill in XXXX XXXX when I do not live there. This is a case of identity theft. I have never received any bills, notifications, or any other notice of this account until it was placed on my credit report and I have been dealing with trying to have it removed and a fraud alert placed on my account since then. The amount is {$2400.00} dollars.
Consumer complaint received 2022-10-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Summary of XXXX XXXX XXXX ( 1 ) I responded to an email from the XXXX XXXX on XXXX XX/XX/2022 ; I had been charged a renewal fee of {$340.00} and had XXXX hours to get a refund. 
( 2 ) They tried to do a direct deposit into my Citizens Bank checking account; said a mistake was made and {$100000.00} was deposited in my account. I had, as instructed, logged into my account, and the money was there. 
( 3 ) They said if it looked like it came from a business, I would have to pay XXXX XXXX tax on it. 
( 4 ) They said I needed to wire out {$99000.00} to an individual in the XXXX, which I did. 
( 5 ) I kept monitoring my checking account and it looked OK ; I could see a wire transfer of {$100000.00} coming in and {$99000.00} going out. I also changed my username and password. 
( 6 ) A few weeks later, I noticed that the interest payment on my Equity Loan ( which had a balance of about {$16000.00} ) went from about {$50.00} per month to over {$500.00} per month. 
( 7 ) Upon investigating this, I found there was an Advance of {$100000.00} on XX/XX/XXXX. 
( 8 ) I was shocked, and sure this was a bank mistake. On XX/XX/XXXX, I went to the Citizens Bank branch in XXXX XXXX in XXXX XXXX, PA ( ph XXXX ) to discuss the matter. 
( 9 ) The banker agreed with me that the {$100000.00} wire transfer into my account should have nothing to do with my Equity Line of Credit Loan. He filed a fraud claim and told me to contact the Equity Loan people in a few days. 
( 10 ) I was sure they would call me and all would be well but they did not call. 
( 11 ) Finally, on XX/XX/XXXX, I went into the main Citizens bank in XXXX XXXX, PA ( ph XXXX ). Here I was told that the {$100000.00} advance actually came from my Line of Credit! 
( 12 ) I was horrified! I was told to call the number on the back of my debit card and tell them that it was fraud. 
( 13 ) I did so, and spoke to someone with Citizens Bank in Rhode Island who informed me that you are not responsible for fraud. I was also told that there was a problem with the way the claim had been filed ; they re-filed the fraud claim and told me that they would have to reach out to the bank in the XXXX. They gave me a reference number and a phone number to call investigations ( Ref : XXXX Ph : XXXX ) ( XXXX ) On Friday, XX/XX/XXXX I had heard nothing, so I called the Investigations number that I had been given. I was told that unfortunately, there is nothing we can do there is no insurance against wire transfers! So, as of now, I am out {$99000.00}! 
( 15 ) Question : When I went into the bank to wire out the {$99000.00}, why did the banker not alert me that {$100000.00} had just been taken from my line of credit?

( 16 ) Question : If I am not responsible for fraud, how can the bank tell me there is nothing they can do?
Consumer complaint received 2018-05-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC (CA)

I have a credit card with XXXX, to which I have been in contact with. I am being called multiple times a day, from multiple numbers, that are somehow bypassing my call blocking settings. Allied Interstate is a collection agency that I have not given permission to call me, and are calling more than four to five times per day. I must have my phone off most of the day due to their infuriating and excessive calls. I miss calls from doctors and contacts that I am actually doing true, and lawful, business with. This company is disrupting my life and falsely reporting to my credit file as an open account. I opened no account with them and provided no permission to share my personal information.
Consumer complaint received 2022-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MD)

Prior to my annual fee being charged, I downgraded my citibank world elite prestige card with a {$490.00} annual fee to a citi rewards plus card with no annual fee. 

Citi charged my account with an annual fee, along with an additional user fee of {$75.00} as if I still had the original card and not the downgraded card. 

I called and after multiple calls, they refunded my {$490.00} annual fee but never refunded my {$75.00} additional user fee. 

I am going on XXXX phone calls to the company where their representatives will promise to take care of the charge, then get me off the phone and never follow through. They will tell me to call them back in XXXX business days. They have asked me to mail them a copy of my statement that I am looking at online in the portal that they provide but apparently " do not see that charge ''. I am typing this while I am on my XXXX phone call and currently XXXX hours into my ordeal of trying to speak to a supervisor since I believe that their request to have me call them back in XXXX business days is unacceptable since I have been calling multiple times on this charge for well over a month. 

I have the sense that citi is stalling me until I refuse to call them back and just accept that they are ok to steal my {$75.00} dollars that is due to me. I refuse to do so and will continue to fight and notify as many other consumers about citi 's poor business practices.
Consumer complaint received 2020-04-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WESBANCO BANK, INC. (MD)

Due to the financial impact of the CoVID19 Virus Pandemic, Wesbanco Bank solicited an offer to mortgage holders with certain qualifications to defer mortgage principle and interest payments for 3 months. This solicitation was sent via email the last week of XXXX and did not include any further details pertaining to the program, but encouraged recipients to call for further information. Upon contacting the Bank to inquire about the program, I was given the same statement - 3 months deferred principle and interest payments. The phone conversation included the statement that those 3 payments would be added to the final payment at loan maturity as a balloon payment. The only payments required during the " relief period '' would be the required escrow payments. 

At this point, it would appear, based on the statements made, that at loan maturity one would be making a payment that was equal to 4 scheduled payments. This is further supported by the cover letter accompanying the contract for signature. I have included this document as an attachment, wherein one can see that there is no mention of interest accrual. The statement is made, however, that " The deferred payments will be added to the final payment under the terms of the Note causing a balloon payment due on the Maturity Date ''. 

Only when the " contract '' is presented for signature does the bank reveal that interest will continue to accrue over the " relief period '', and is added to the final balloon payment. Neglecting to reveal this at the beginning is very deceptive, and in my opinion is intentional, with the Bank hoping that consumers will not read the final contract, or that consumers are in such financial distress that they have no other option but to agree to these terms. This is a predatory tactic that does not provide any " relief '' to the borrower but only serves to line the pockets of the lender. 

I would encourage the Consumer Financial Protection Bureau to do its part to stop such predatory tactics during this time of financial hardship for some many in this country. I am fortunate to have other options at my disposal, although a 3 month deferral would have been greatly appreciated. Many others are not so lucky and may have no choice but to commit to such a financial burden which could potentially result in future loss of their homes should they not be able to fulfill the obligation of the extraordinary balloon payment at loan maturity.
Consumer complaint received 2022-06-09
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I sent an Affidavit of Truth and an Invoice to XXXX XXXX XXXX, here is the tracking # XXXX, XXXX XXXX XXXX XXXX number # XXXX and Portfolio Recovery Associates , LLC They have not paid out the invoices and had the negative items deleted from my credit report. These companies have violated 15 USC 1692. ( C ) ( A ). 15 USC 1692K, 15 USC 1692. ( B ) ( 2 )., 15 USC 1692. ( B ) ( 5 )., 15 USC 1692 ( D ) ( 2 )., 15 USC 1692 G ( A ), 15 USC 1692 ( B ) ( 4 ), 15 USC 1692 C ( 1 ), 15 USC 1692 ( E ) ( 1 ), 15 USC 1692 ( F ) ( 8 ) ( 8 ) 15 USC 1692 ( D ) ( 5 ). Based on these laws I can collect these damgages15 USC 1692K. Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of, any actual damage sustained by such person as a result of such failure : in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.
Consumer complaint received 2022-07-31
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: Neon Newco Corporation (CA)

dispute claim number XXXX, net spend prepaid business card corporate office and costumer service ignoring my dispute, they never try to help me to get stolen money back to my account, costumer service very rude, I don't know what to do any more with this bank!
Consumer complaint received 2022-10-08
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: EQUIFAX, INC. (TX)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that are incorrect ( XXXX, Equifax and XXXX ) are the ones reporting false information. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2018-05-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pollack & Rosen, P.A. (FL)

XXXX XXXX XXXX acquired my credit card debt took me to court in XX/XX/XXXX the judge dismissed case of the length of time the debt was inactive. in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX tried to garnish my wage from XXXX XXXX.I was to served court papers to go back to court.I finally sold my home in XX/XX/XXXX and had to pay a lean of {$27000.00} plus for the lean.
Consumer complaint received 2022-09-15
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: EQUIFAX, INC. (NV)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

On XX/XX/22 at XXXX XXXX I got a phone call saying my electricity was being cut off and that I could pay with my Bank of America mobile app using XXXX XXXX I authorized the XXXX payment for {$200.00} but I did not authorize the XXXX other payments.During this phone call I became worried so I hung up and tried to cancel the transaction on the BOA mobile app, I tried to cancel all four transactions. I called BOA and XXXX and tried to cancel the transactions and also I informed BOA and XXXX that the transactions were and are fraudulent and not authorized. All transactions were sent XXXX. These fraudulent transactions cost myself {$3400.00} I am XXXX old an live on a fixed income