davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: ClearOne Advantage, LLC (PA)

So it will all start with my debt and deciding to go through a debt relief settlement company who also went through XXXX XXXX XXXX I always talked to the XXXX XXXX XXXX people it seemed like. So I set automatic bank withdrawal payments and through my account with them promising to lower my debt and be debt free in 48 months. So they set up an account with funds prior to any settlements it was at least XXXX a month. Then they started settling with companies or negotiating and would calle back adding another XXXX to XXXX on to my monthly payments o ended up having to drop out of the debt relief program because I couldn't afford the outrageous money they wanted monthly from me. At that time they told me not to talk to the creditors and they would do all the negotiating I never received any paperwork for anything. Long story short when I cancelled I never got my money back and I went so long not paying or talking to the creditors that now I feel my only option is bankruptcy. I feel like I was mislead with always being asked for more and more money to the point I couldn't afford it.
Consumer complaint received 2016-08-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (OH)

After reviewing my credit report ( s ), I was surprised that Convergent was reporting an alleged debt with XXXX, which I had previously disputed with XXXX XXXX XXXX XXXX ( " XXXX '' ) in XXXX XXXX. Attached you will find the telephone log that highlights two telephone calls made to XXXX, at XXXX, on XXXX XXXX, XXXX. During those calls, I disputed the alleged debt with XXXX ; however, in the second call, at XXXX, I specifically requested verification of the debt. After the person with whom I spoke became abusive and began to badger me about the reason for my request, it became evident that such information did not exist. I was told that the account would be closed and I would no longer receive further communications. To this date, I have not received any further communications and wrongly assumed that this debt had been removed from my credit report ( s ). I have attached a screenshot of my XXXX XXXX account, which supports my assertions regarding XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Comerica (CA)

I received in the mail within the XXXX weeks a XXXX XXXX from Comerica Bank. I called the customer service line on Monday, XX/XX/22 letting them know I had received a debit XXXX from them but did not have an account with Comerica. 

They said they would look into it and reply back. 

On Tuesday, XX/XX/22 a representative from the fraud division of Comerica Bank called me back. He checked my address, social security number, drivers license, and birthdate. 

The following facts were found : XXXX. My address was not correct. The debit card mailed to me had : XXXX XXXX, XXXX XXXX XXXX, XXXX, Texas, XXXX. My correct address is : XXXX XXXX, XXXX XXXX XXXX, XXXX, CA. XXXX. 

XXXX. My social security number had been hacked. The numbers I gave were not what was on file. 

XXXX. My birthdate did not match what was on file. 

XXXX. There was no fraudulent activity on my Ca. Drivers License. 


They have since closed the account of which I never opened and blocked any further activity related under my identity. The Comerica Representative from the credit card fraud unit recommended I go to FTC.gov which brought me to the Consumer Financial Protection Bureau. He also recommended my to contact my bank and let them know I was a victim of fraudulent activity. I should request the bank to protect my assets I have with them in case of this type of activity.
Consumer complaint received 2022-11-22
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: CITIBANK, N.A. (NY)

I would like to be provided proof I consented to these inquirys via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or XXXX, I would like it removed immediately. 
By the provisions of the Fair Credit Reporting Act Section 611 and Section 611 ( a ) of the FCRA, I demand that these items be investigated and removed from my report. 

I sent a previous letter to you disputing accounts as erroneous and mailed them certified mail, return receipt requested. I received notice in the mail that you received the dispute letter. It is now a different month and I have not received any proof from you that you conducted a proper investigation or any investigation at all. 

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have XXXX days to investigate disputes. If you can not verify the information within the XXXX-day time period. 
You must delete all of the disputed accounts from my report. It has been more than XXXX days. You must now delete the disputed and unverified inquiries. Failure to do so can result in a {$1000.00} fine per undeleted item. 

-- - XXXX  XXXX XXXX, 2021 -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2021
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

There are multiple inquires on my credit report from companies that were not authorized by me i do not recognize these inquires and are affecting my credit negatively XXXX XXXX XXXX XXXX  requested credit report Creditor info : 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 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  These are all unrecognized inquires and they are affecting my score
Consumer complaint received 2020-10-06
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: ERC (OH)

The following accounts listed below are fraudulent accounts and does not belong to me. They are in violation of FDCPA 805/806/809 and the accounts need to be deleted from my credit report : -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX -ENHANCED RECOVERY COMPAN # XXXX -XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX
Consumer complaint received 2016-10-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (KS)

I started a modification in XXXX XXXX on my house, it took until XXXX XXXX to complete. the company SPS has shown me late on my payments for nearly 2 years, when I have not missed a payment since I took the loan over by myself. 

and the new company ( XXXX XXXX is n't much better!! )
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

I cant not after months still not get my credit score! 

This is a violation! 

Its been Going on for months! 

Equifax lies! 

I deserve to be paid {$1000.00} for monetary relief this has occurred for months and no fix!
Consumer complaint received 2019-12-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kinum, Inc., Indianapolis, IN Branch (OH)

In XX/XX/2019 I received a phone from someone at the Kinum Inc. regarding a medical bill. At this time I told the representative that I shouldn't have a bill because I pay my copay every time I went to the dr office. I have all of my receipts for this. The representative started yelling at me saying I better pay my debt. At this point I hung up the phone. About a week or so later I received the official letter from Kinum stating about the bill they had called me about. I immediately wrote them a letter on XX/XX/2019 saying I'm disputing this bill for XXXX XXXX XXXX. Please send the validity of this account to me so that I can cross reference with payments already made. I then sent this letter certified mail with a return signature received card to Kinum on XX/XX/2019. Kinum never sent me my request to see the bills. I received the return signature card back stating that they had received the letter On XX/XX/19 I  received a phone from Kinum talking about this debt. I told the representative that I sent them a certified letter and they never responded. The representative couldn't find the letter so since he didn't see it I never sent one. I told him by law they needed to respond to my letter and they never did. Instead they put this debt on all 3 of my credit reports because they did not want to do there job. The representative started yelling at me and I hung up on him.
Consumer complaint received 2020-06-21
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

WHEN I OPENED MY CREDIT REPORT, I REALIZED THERE WAS FRAUDULENT ACCOUNTS OPENED IN MY NAME AS A RESULT OF IDENTITY THEFT. MY PERSONAL INFORMATION WAS USED TO GET PERSONAL LOAN. I HAVE NO IDEA WHO MAY HAVE USED MY PERSONAL INFORMATION TO OPEN FRAUDULENT ACCOUNTS REPORTING IN MY CREDIT REPORT THE ACCOUNTS LISTED IN THIS AFFIDAVIT WAS OPENED AS A RESULT OF IDENTITY THEFT.
Consumer complaint received 2017-02-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (PA)

I was released from bankruptcy at the end of XXXX 2016 I received all my paperwork releasing me from that bankruptcy. On XXXX XXXX of this year I requested a payoff statement I was told it could take up to two weeks to get when I did not receive it I began calling and was told several times it was in the mail I have yet to receive it I also asked that it be faxed to me they took the fax number but i never received the fax. When I called back to question them I was told I can not receive a pay off and no one should have never told me I could because they consider me still in bankruptcy I contacted their attorneys office who told me they no longer have me in bankruptcy and I am entitled to a pay off. I still have not received my pay off which is only good until tomorrow XXXX XXXX. Every time I call there I speak to someone different and get a different answer none of them are right all I need is my pay off.
Consumer complaint received 2023-03-29
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. (MI)

I am submitting this CFPB Complaint to to express my concern regarding fraudulent items on my credit report. I recently discovered several entries on my credit report that were not authorized or initiated by me, causing significant financial damage and negatively impacting my credit score. To elaborate, these fraudulent items include credit accounts that were not opened by me, as well as charges and loans that I did not initiate or receive. The total amount of these entries is substantial and is causing harm to my credit score. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$290.00}. Despite my efforts to dispute these items with the credit reporting agencies and creditors involved, I have not received a satisfactory resolution. I have provided documentation and evidence of the fraudulent activity, but the items remain on my credit report.
Consumer complaint received 2016-04-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (OH)

Pursuant to section 611 the Credit Reporting Agency did not have completeness of record for the inquires in question. The credit agency did not have proof I initiate the inquiries, pursuant to section 609 the FCRA, the Credit Reporting Agency did not prove the procedure of their investigation. I want the items ( inquiries ) on the attached demand letter deleted immediately.
Consumer complaint received 2020-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of america closed my business cash rewards credit card, and forfeit my rewards of {$2800.00}. 

And i requested to redeem around {$2000.00} rewards before they closed this account but due to the bank reason the redemption did not go through, the redemption record should exist on the website, but they immediately closed my online access to the credit card when closed this account. 

Plus, when i tried to contact them, you can not imagine how hard to catch hold of someone from boa credit dept, especially when they know it was me, they put me back to the line to wait, canot imagine the public co reputed BOA rep did this unprofessional, disgusting way! 

Three points : 1st, i dont think the reason why they closed this account is strong, i had been paying the card on time, only one time was late before they closed it. 
2nd, they should not forfeit my {$2800.00} cash rewards 3rd, they should not stop my redemption go through when i redeemed before they closed the account.
Consumer complaint received 2023-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

Respected Officials, WellsFargo has closed the case XXXX which was opened to make them accept {$12.00} as account fees. They have closed it saying that no fees are required because I have fulfilled their need. However, they have attempted to deposit cheque sent as compensation into my account despite the fact that I have stopped payment on it. 

Now they are charging {$12.00} as fees for that from me. 

If it was a wellsfargo cheque that had been stopped by me due to their reply, they must not deposit it into my account and charge fees. 

The following deposited checks have been returned unpaid. As a result, we have deducted the following amount {$12.00} from your account XXXX. 
Date Reason Check number Amount XX/XX/XXXX  Stop Payment XXXX {$12.00} I sent another cheque from my business checking account and that has been cancelled based on their response and the cheque number is different on that. 

Thanks
Consumer complaint received 2023-03-29
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. (CO)

XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CO XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX CO XXXX
Consumer complaint received 2019-12-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (CO)

On about late XXXX or early XXXX, I requested internet service from XXXX XXXX, the original creditor name. 

They didn't mention any possible problems in giving me service and in-turn made me feel confident that they could provide a good service. 

At this point they came out to my home and installed a small dish. After finishing the installation, the installer said, there you go, it's up and running. Turned out, their service wasn't working. 

Within that first day, after the installer left my home, I reported to XXXX XXXX, I was having a connection problem. 

They swiftly sent a repairman to my home the following day. 

After checking my system, the repairman told me the problem was with their tower and it would be fixed immediately. 

About the third day, I reported still having a connection problem. 

Again they sent out a repairman. This new repairman said the area-sender was having problems. He stated that XXXX XXXX was working on the trouble as we speak. 

The following day I reported having no service again. They got snooty and said their working on it. 

A good week and a half later, having no service, I called XXXX XXXX and requested a manager. I asked him to cancel my service, and he said no problem. 

Then about a week later, a XXXX XXXX representative called me and said I owe {$120.00}. 

I told them the account was closed due to non service. She said I would have to pay {$120.00} for their service, before the account could be closed. 

XXXX XXXX called me periodically over the next several months, asking for payment. Numerous times they indicated the account was still open. 

Even though they could not provide internet service to my home, they would not close my account or delete the {$120.00} charge. 

I told them I never got service, but the XXXX XXXX reps, were adamant about my paying XXXX XXXX {$120.00}, even though they were unable to provide me service. 

Following all this back and forth, EOS Cca collection service came into the picture. They have called me a number of times requesting payment. I have repeatedly told them I never got service. 

They keep telling me the account is still open and I must pay. 

Ever since closing the XXXX XXXX account ( regardless that they did not close it ), with-in a day, I have been with XXXX 

XXXX came out to my house, installed my service, and have provided me great internet connection with no problems at any time right from start.
Consumer complaint received 2016-01-04
Product: Credit card — 
Issue: Billing statement — 
Company: FMS Inc. (MN)

We received a debt notice from a collection agency related to a XXXX we had applied for but did not receive indicating that we owed {$250.00} which should be mailed to them. We contacted XXXX Rewards Card and they have no record of this and advised us to submit a complaint. 
The collection agency is listed as : XXXX XXXX, XXXX XXXX XXXX, XXXX, OK XXXX, Phone XXXX. I have not been able to reach them on the phone, and I will not contact them as I 'm certain this is a scam.
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2015-11-10
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TMX Finance LLC (GA)

My brother was contacted and was told that if I didnot come pay my debt or bring the truck in that criminal charges would be taken. My brother was used as a reference but I NEVER gave permission to anyone to discuss my personal debt with family members. This is embarrassing and is a direct violation of Code 804 ( 2 ) and Code 805 ( 3 ) ( c ) in [ 15 USC 1692b ]. The last time I was contacted was XX/XX/XXXX. I told them where the vehicle was located and that 's the last time I heard from anyone until my brother told me about this incident today.
Consumer complaint received 2017-02-16
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (PA)

I 'm a holder of student loans through navient formally XXXX. Over the past six years they have refused any lower payments. It 's to the point that I pay more for student loans each month than I do in rent. That 's outrageous. They either claim that they do n't offer this, that 's not available, or my payment is as low as possible.