davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY (MO)

I contacted one ink on XX/XX/XXXX when my insurance company issued me a payment of {$3400.00} and went to a virtual card that is backed by this company. I tried to do a transfer to my checking account XXXX, XXXX XXXX doesn't do transfers to XXXX, I was only trying to get the funds into my checking account the easiest quickest way. We discussed it during the call that an acquaintance that was at my house, to have the funds transferred to his account, I was under the impression it would immediately be transferred. XXXX XXXX  took his information from me XXXX XXXX at first, but everything was very confusing and h ees took the phone gave them his information, XXXX XXXX, bank is XXXX XXXX, they knew I wasnt the account thg holder, but they put me as owner of account and made transfer without my initial approval, and they told me the time frame 1 to 4 business days after the transfer was made. Because of time frame I stated I did not want to make the transfer on the same call. I spoke to a supervisor and they said they could not stop it but there was no problems because I could get ahold of my adjuster and they can stop paymen. That was a Friday evening. I contacted American modern immediately, they sent emails to my adjuster and supervisor because my adjuster wasn't in until the following Wednesday. I contacted American modern all through that week, starting on Monday, they said they were putting a stop payment, there should be no problems. I contacted them multiple times, I could never get any phone calls or emails back from anyone. I found out they could not stop payment, and said I needed to dispute with XXXX XXXX XXXX XXXX XXXX had me as account holder XXXX XXXX XXXX XXXX his name. My adjuster stated they where not supposed to transfer funds to a non insurer. So they initiated the transfer without my confirmation and they did not give me a time frame until after the transfer 1 to 4 business days. I told them I did not want to do the transfer. They said they couldn't back out of it. Now I don't have the funds, can't get ahold of XXXX XXXX, I've tried and tried, and I did not give it the final okay before they submitted it. I've tried to correct this, and would have never transferred, knowingly it was going to be days...
Consumer complaint received 2022-05-25
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. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the FCRA Sections 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is still reporting on my Credit Reports and needs to delete immediately : XXXX BANK XXXX
Consumer complaint received 2022-02-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

XXXX XXXX is not reporting accurate information regarding the date of last payment made, they can not show any accurate paperwork verification they own this debt, I have requested proof regarding both of these matters with verifiable proof of ownership. This company does not own the debt/vehicle through XXXX and has never gotten pink slip or bill of sale, When I bring this to their attention they ignore my ( XXXX ) certified letters and send inaccurate templates with my info in the filled in areas. 
Thanks for the assistance and warm regards,
Consumer complaint received 2022-04-19
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: KEYCORP (NY)

I am the co-signer to an application for student loan consolidation for my daughter. XXXX XXXX engaged in significant delays asking for the same information repeatedly, then denied the application. One representative coached me to falsify submitted documents. Another breached my confidentiality by disclosing information to the loan application on XX/XX/2022. Another also breached confidentiality while i was on the phone with my daughter on XX/XX/2022, but i never provided approval for the information to be divulged.
Consumer complaint received 2022-02-09
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: EQUIFAX, INC. (LA)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (CT)

I attempted to close out my Discover credit card account in XX/XX/XXXX and as I was reviewing the balance, the representative mentioned interest on a cash advance. Knowing I rarely make cash advances, I questioned it and after speaking with a second person I was told it would be reviewed and I would get a call back. I never did so I called again XX/XX/XXXX and was told that there were 2 cash advances for {$40.00} each XXXX in XX/XX/XXXX and 1 in XX/XX/XXXX and that the interest on them is $ 23.8 % and that none of my minimum payment was applied towards this and that it is their practice to apply the minimum payment towards the lower interest charges and only additional payments are applied to the cash advance purchases and if no additional payment is made then the cash advance just collects interest. 
I questioned how they can allow a customer to collect 23.8 % interest on {$40.00} for 7 years with no reduction and 23.8 % interest on another {$40.00} for almost 5 years with no reduction. The lady just apologized and said she would note my concern but what they can offer is 3 months of credit on the interest. 
I feel Discover is very misleading and the practice makes it difficult for people to pay down their debt especially not knowing this is how the payments get applied.
Consumer complaint received 2022-02-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (OH)

XXXX XXXX, I mailed a certified letter requesting the validation of alleged debt owed and the collection agency has not responded. It has been well over the XXXX day debt validation investigation requirement set by the FDCPA, they have not verified the debt.
Consumer complaint received 2022-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I am a victim of a scammer ; I had a job offer on XXXX  as a remote personal assistant position and that job had a one-week trial that they were going to send me a check and I was going to do some shopping, donation and etc... 
I have received the check by mail from the company and since I was not very familiar with whether it was a valid check I took it to the bank ( Wells Fargo ) and deposited it in my account and asked the banker when it will be available and their answer was " By tomorrow morning ''. 
So, I was assured that the check was valid. So I did all the transactions that they were asked for me to have done on XX/XX/2021 in the amount of {$4900.00}. 
The next day I deposited another check, not from ATM but I walked inside the bank and deposited it in the account again I asked the same question and the teller responded the same answer. However, the next day morning I checked my account and notice the bank did put both of the checks on hold. I called and asked what is happening and they told me that they are suspicious that those checks are Fraud. So, I did some research online and noticed that it was a new method that scammers scam people. Therefore, I called the bank again and told them that the transactions that I made were fraudulent and checks are not valid ones. However, the banker opened a claim for me and she told me to wait for the status for 10 business days. I called them on XX/XX/2021 to check the status but they were so rude and they told me that " You made all those transactions, you got scammed why did wells Fargo had to pay for it? '' I explained that I never experienced such a thing before and did not know that those checks are invalid since the bank approves them and made them available in my account. But, she still was arguing that why I did not wait for 10 days to make sure. I explained and she hang up on me and when I called again they did not respond back. I called them the next day and there was a guy this time and he told me that the bank will not take responsibility since those transactions were Authorized by myself and they closed the claim. I called the local police department on XX/XX/2021 and report everything the officer 's name was XXXX XXXX, her contact information are phone : XXXX ext. XXXX Email : XXXX My report # XXXX. 
She told me to call back the bank and have them reopen my claim. I did call the bank and told them I have a police report and gave them all of the information. However, they told me to wait for the police to investigate. My account still has overdraft and I am an undergraduate student I get my income from the loan that I get from school and have been stressing out a lot for whatever happened. My bills are past due and I had a problem by paying my Auto payment bills.
Consumer complaint received 2021-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (RI)

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2022-05-25
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. (FL)

BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I have asked to get deletions of these accounts off my credit report but they refuse to do so. The Debt is not valid at all. No documents show proof of these were authorized by me. I need proof showing these belong to me.

15 U.S. Code 1692g - Validation of debts Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
Consumer complaint received 2022-05-25
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. (FL)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and XXXX XXXX XXXX immediately : XXXX : XXXX XXXX XXXX Balance : {$25.00} XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} Equifax : XXXX XXXX XXXX Balance XXXX {$25.00} XXXX XXXX Balance : {$0.00}XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX Balance : {$25.00} XXXX XXXX Balance : {$0.00}XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-05-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (VA)

I am filing this complaint because GINNY 'S does not meet any of the requested documentation required to satisfy validation of debt. How does this computer printout prove that this debt belongs to me? They still have not complied with the FCBA. They never responded with the documentation requested and required by the FCBA.
Consumer complaint received 2022-02-09
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. (NY)

I have a list of items that is not correct on all three credit reports! I have listed all the details below. 
1 ) XXXX XXXX Account # XXXX Opened XX/XX/XXXX Starting balance {$53000.00} Balance owed {$62000.00} 2 ) XXXX Account # XXXX Opened XX/XX/XXXX Starting balance {$9500.00} Balance {$9000.00} 3 ) XXXX XXXX XXXX Account # XXXX ... ... XXXX Opened XX/XX/XXXX Starting balance {$1700.00} Balance {$1700.00} 4 ) XXXX XXXX Account # XXXX ... XXXX Opened XX/XX/XXXX $ Starting balance XXXX Ending Balance {$1000.00} 5 ) XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Starting balance {$550.00} Ending Balance {$570.00} 6 ) XXXX Account # XXXX Opened XX/XX/XXXX Starting balance {$15000.00} Balance {$140.00} 7 ) XXXX XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Starting balance {$6500.00} Ending balance {$61.00} 8 ) XXXX  Account # XXXX Opened XX/XX/XXXX Amount {$1000.00} 9 ) XXXX XXXX  Account # unknown Amount unknown
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: N.A.R., Inc. (UT)

NAR INC Never once contacted me. I have no idea or proof of such alleged debt. My XXXX XXXX XXXX have been relised to the Credit bure without my concent. They put a collection on my credit of XXXX on one reprt and XXXX on another with it beeing an open account like im missing payments monthly. This alleged debt is not mine to my knowlege and yet somehow without informing me of the alleged debt they are able to put it on my credit report and release my medical records without a signed hipa aggreament. 
Please help me get this off my credit report imediatly. 
I am looking at option to sue this company for reporting faulse debt on my credit report. This is my last attempt for someone to force them to be accountable and to not allow them to destroy my credit over some allegged bill I know nothing about other than what is shows on my credit report. 

Account info Account name NORTH AMERICAN RECOVERY Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX This alleged account just appeared on my report I do not know of this sceem they are trying to pull. 

XXXX XXXX account. {$5.00}, 792 past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$5700.00} Balance updated XX/XX/XXXX Recent payment $ 200 Monthly payment {$0.00} Original balance {$5600.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection
Consumer complaint received 2018-03-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (SD)

Repeated robo calls from XXXX saying they are CBE and that we owe money. We have money and pay all our bills on time. They asked my husband for the last 4 of his social security number and would not tell us who we owe money to. Very fishy and a bad situation.
Consumer complaint received 2022-05-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XXXX dealership did not have authorization to run my credit, they have sent a letter to me providing confirmation they were in the wrong. XXXX is one of those companies, they need to delete the hard inquiry off my credit report XXXX. I tried mailing them and it was returned to me.
Consumer complaint received 2022-05-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (MI)

I applied for XXXX  through an office in XXXX New York. That office called XXXX XXXX. I told that office that I need to switch the service provider for my house from XXXX XXXX XXXX XXXXXXXX XXXX. XXXX agency gave me their email address which is : XXXX. Correspondence attached. I also sent XXXX a fax that National grid was able to take over the service. XXXX sent social services XXXX the application and XXXX granted me an amount of {$720.00}. XXXX sent the grant to XXXX XXXX instead of XXXX XXXX. I also called XXXX that advised to call XXXX XXXX to send the check back to XXXX. Please see my email attached of my correspondence with long energy. I also spoke with XXXX XXXX to advise regarding the situation. Yet, XXXX XXXX kept sending the debt to different collection agencies. I contacted XXXX, one of the debt collection agencies XXXX XXXX sent the debt to, by phone and by email as attached that promised to remove the debt. I only knew that the debt is still on through Transworld Systems debt collection agency when I found it on XXXX XXXX. I did not receive a copy for the debt from that collection agency. I did not even know the account number as I tried to ask Transworld Systems for the account number but I was not given that. I sent a fax with the attached records to Transworld Systems.