davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Unlimited Progress Corp (IL)

I received a letter a few years ago from CREDITORS DISCOUNT & AUD about an outstanding debt that was being collected. I did not recognize the debt and had no idea what the letter was about - to my knowledge I did not owe anyone any money, and I had not been contacted by any party about a missing payment. 

I called the number provided in the letter, and spoke with a customer representative. I told her that I was disputing the payment since I did not recognize it. I also asked for additional documentation, saying that if indeed I had missed a payment I would be happy to pay, but that I needed more information to verify what payment this was about, from when, and whether it had not been settled. She told me my dispute was recorded, and she assured me that there would be no adverse effect for me or on my credit scores. I never received any further communication from the debt collecting agency, and I have not received any further information regarding any missed payment/amount owed. 

A few days ago, I applied for an auto loan and given my 800+ Fico score ( I pay off my credit card balances on time ) assumed it would easily be approved. But when it was rejected, I looked into my credit reports and found a collection reported. I still do not know what this is about, I have not received any information or communication regarding it, and I suspect I have been subject to fraudulent activity. I have disputed the collection with the credit rating agency ( XXXX  ), but would appreciate help finding a solution to this.
Consumer complaint received 2016-01-30
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NATIONWIDE ACCEPTANCE LLC (IN)

I tried to make a payment on my loan online. My payment was past due as I have been having money problems. The website would not allow me to make it and said I had to call in. The website showed I owed {$870.00}. When I called to pay I was told I owed {$900.00}. When I asked why, I was told it was from prior payment not being made in full, but it 's NEVER shown additional amounts due on the website. If someone has additional amounts due, it has to be shown on the website.
Consumer complaint received 2020-06-30
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 — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was shocked when I reviewed my credit report and found late payment on my payment history from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2024-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/year> at XXXX XXXX. I was notified by text that a " XXXX '' had been added to my Chase Bank XXXX account. I did not recognize that name and immediately went to a Chase Branch to ask if the text was valid. They indicated it was and gave me the number to Chase fraud. Upon calling I learned that someone had accessed my Chase account and transferred {$5000.00} from my savings to my checking and then made XXXX XXXX transfers to this XXXX totaling {$5000.00}. I filed a fraud claim while on the phone. Upon arriving home I found that there was a Remote Session window open and someone had remoted into my computer to steal my money. I recalled that I had opened an email previously and clicked on a link and my computer warned me it was suspicious and I closed it. I believe this is when the thief/thieves accessed my computer and uploaded something to track my keystrokes for log in information. 
I filed a police report with the XXXX Police Department and I also hired a computer specialist to examine my computer as well as take it back to factory reset to insure the thieves would no longer have access to my computer. 
I have provided Chase Bank with the XXXX Police report, a letter from the IT specialist explaining how the thieves accessed my computer as well as XXXX alarm reports and XXXX  camera video footage showing I was not home at the time of the online theft from my Chase account. I have resubmitted my fraud claim twice after Chase rejected my fraud claim and they have rejected it each time. Because my username and password were never changes and my IP address was used and there were no failed log ins, Chase will not refund my money. I submitted a letter from the IT professional testifying how the thieves accessed my computer, but Chase will not consider that. I am a retired person and veteran of the XXXX XXXX living on a fixed income and I need the {$5000.00} stolen from me. Chase was negligent in not flagging this suspicious behavior and stopping it before the thieves got my money and they should do what is right and return my funds to me. I even stated I would submit to a lie detector test to prove I do not know who " XXXX '' is, that I have never given access to my banking information to anyone and that I have no idea who stole my money. Please help me as I have no one else to turn to.
Consumer complaint received 2024-03-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (TN)

For years I have been illegally charged for overdraft fees. I have had a successful relationship with wells fargo for the past 6 to 7+ years and year after year they take {$35.00} from me when I am overdrawn. I always make sure my account gets back into a current good status. I am not sure why Im being treated this way. It is not right as a hard-working, American citizen and something should be done about this, I get over {$8000.00} a month and both my checking and business account so I have money going into their banking system which they loan out on the backend and Im being charged for simple human error.
Consumer complaint received 2024-03-04
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Wilber and Associates, P.C. (TX)

Wilber and Associates called and stated they were legally representing state farm in an attempt to collect owed payment for an insurance claim. Stated that I was not insured which wasn't the case I was fully covered with XXXX at the time and the claim is still being processed. Stated that I owed XXXX and that they would have my license suspended. They also tried to contact my wife multiple times who was in no way involved. This call was received at XXXX AM on XX/XX/year>. I immediately contacted my previous insurance company as well as providing proof that I was insured at the time.
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

LAST PART OF XXXX, XXXX  - FRAUDULENT ACTIVITY WAS ALLOWED WITHIN MY CHASE ACCOUNT XXXX XXXX XXXX IN SPITE OF ADMONISHMENTS AND HOURS UPON HOURS OF COMMUNICATION TO STOP IT FROM HAPPENING. 

THEN WHEN IT DID HAPPEN AS I KNEW IT WOULD, CHASE FROZE MY ACCOUNT AND BLOCKED ALL ACCESS. I WAS TOLD THAT THE ACCOUNT COULD NEVER BE REINSTATED AND THAT NO FURTHER ACTIVITY COULD OCCUR. 

I WAS FORCED TO START A BANK ACCOUNT ELSEWHERE BUT WAS UNABLE TO STOP MY XXXX SOCIAL SECURITY AUTO-DEPOSIT. I MADE 2 CALLS TO CHASE AND WAS ASSURED THAT THAT DEPOSIT COULD NOT BE ACCEPTED BECAUSE THAT ACCOUNT HAD BEEN CLOSED. I WENT INTO THE LOCAL BRANCH IN XXXX AND WAS AGAIN REASSURED THAT THE DEPOSIT WOULD NOT BE ACCEPTED BUT RETURNED TO SOCIAL SECURITY FOR DEPOSIT IN MY NEW ELECTED ACCOUNT. 

IT WAS NOT RETURNED BUT WAS INDEED SWALLOWED BY CHASE. I CAN KNOW THIS BECAUSE MY NEW ACCOUNT WAS TIED TO THE CLOSED ACCOUNT AND I AM ABLE TO TRACK CURRENT BALANCE IN THAT MANNER EVEN THOUGH I HAVE NO ACCESS TO INDIVIDUAL TRANSACTIONS. 

I HAVE BEEN REFUSED ACCESS IN SPITE OF MANY COMPLAINTS AND WAS INFORMED BY THE FRAUD DEPARTMENT TO INQUIRE AT THE ONLY LOCAL BRANCH. WHEN I INQUIRED THERE THEY TO ME TO GO TO THE BRANCH MGR. HERE SHE SAYS I WILL NOT BE GRANTED ACCESS. 

CHASE HAS A LOT TO ANSWER HERE AND FRANKLY HAS STOLEN FROM ME.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX and my information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit report effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these negative accounts from my credit reports.
Consumer complaint received 2021-10-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Citizens Bank, company. has misled for over a year as to cancellation of Escrow Account first they stated that MHP did not allow it. Then they insisted it could only be done if a Appraisal was done and paid for by myself which I did. There was also the plain untruth told that Mass housing partnership stated this could not be done ( escrow removed ) which MHP stated was untrue. This is not regular and normal for all usually you just fill out the Escrow Cancellation agreement, pay a fee and it is removed but they have treated me differently from others. Now they have the Appraisal and have stated that they could not accept the Appraisal and gave no reason why. They had me pay for an Appraisal was was unnecessary to get Escrow removed but serves a purpose to get PMI removed and are now refusing to do so go figure. 

They have put me through hoops and cost me to double l that they stated no insisted need to be done to get Escrow Removed! Now The Appraisal which show an Appraised value of {$360000.00} on a loan owed {$250000.00} or less to date, Refusal to remove PMI stated in writing with docs sent for Escrow cancellation on XX/XX/2021 via online Portal with no reason attached which is violation of PMI cancellation rules for all. This Appraised value means that PMI and must be removed due to the 20 percent home Equity meaning that PMI should be removed at this time. Now they are denying Home Appraisal in violation of law on removal of PMI for all. Insurance premiums paid by myself from beginning to now.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: COLLECTIONS USA, INC. (AZ)

This account is an adverse item they are reporting without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ). According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX and XXXX are consumer reporting agencies and I am the ConsumXXXX. XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXXXXXX XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 
15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Any and all consent to XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX XXXX  XXXX XXXX Never informed me of my right to exercise my nondisclosure option. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is Inaccurate. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which anteaters the report by more than seven years. '' 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting Services. Due to XXXX and XXXX not maintaining reasonable procedures.
Consumer complaint received 2024-03-05
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (OR)

XX/XX/XXXX I received a letter from wells fargo stating I was eligible for compensation. I called right away to find out about it, was told the amount and that it should take XXXX days to get the check. XX/XX/XXXX I called and was told it was in process. XX/XX/XXXX I called and told it was in process. XXXX I called a different number and was again told it was in process.
Consumer complaint received 2021-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FORD MOTOR CREDIT CO. (VA)

It is a FACT, that on, XXXX 2021. I XXXX XXXX XXXX XXXX, went into XXXX LINCOLN FORD DEALERSHIP, on XXXX XXXX XXXX XXXX, XXXX, Va XXXX. To swiftly complete my, Personal CONSUMER CREDIT TRANSACTION on a 2021 XXXX XXXX. IT IS A FACT, that prior to my arrival for test drive, it was discussed and agreed, that my purchase would be a, Personal CONSUMER CREDIT TRANSACTION. I have EMAILS stating prior arrival for test drive. I sent a AFFIDAVIT OF FACT, w Invoice of VIOLATIONS, after i was DENIED MY RIGHT OF A Personal CONSUMER CREDIT TRANSACTION. I have video footage of the violations as well. I am currently sending a, NOTICE OF FAULT AND OPPORTUNITY TO CURE AD TO CONTEST ACCEPTANCE! Please Help! For ALL i was trying to do was, practice my RIGHT, to a Article 3 and TILA Consumer Credit Transaction! This Denial of my NATURAL RIGHTS, As a Consumer, Natural Person, Original Creditor! Thanks for ALL YOU DO FOR COSUMERS EVERYWHERE!
Consumer complaint received 2021-10-31
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. (CA)

This company is reporting my account late and it is not late in fact I paid it in full last month when I called them to fix it they refused and said I had to wait until next month. This is illegal to report info inaccurately. And they took my XXXX $ then reported my account late my score dropped 75 poults
Consumer complaint received 2024-03-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ZWICKER & ASSOCIATES (NJ)

Zwicker & Associates, P.C., a debt collector, through their agents, employees, attorneys & representatives, has committed aggravated identity theft. They have obtain my non public personal financial information without my authorization or consent. I have never done business with them, do not have any contract with them and they opened an account on XX/XX/2023. There is no Privity of contract. Zwicker & Associates, P.C through, their agents, employees, representatives are attempting to extort me for money ( payment ) which is a crime under title 18 of the United States Code. They do not have Proof of the existence of this alleged debt and outstanding balance, proof of a contract verifying Zwicker & Associates, P.C can legally collect, and proof that Zwicker & Associates, P.C is the current holder of the instrument which created the debt with my original blue ink signature. Zwicker & Associates, P.C is violating the holder in due course clause pursuant to Uniform Commercial Code 3-302 ( a ) ( 2 ). A debt cant be transferred or sold when past due or in notice of dispute. I refuse to pay this alleged debt to Zwicker & Associates, P.C and I do not consent or authorize for Zwicker & Associates, P.C to have access to my nonpublic personal information as they are third parties and I never did business with them. Zwicker & Associates, P.C is also stating that they are a debt collector and also attorneys at the same time which is a violation of the fair Debt Collection Practices Act. It also appears that they are practicing law without a license and are foreign agents. I request to see their foreign agents registration with the Attorney General. And if you are being retained by the original creditor, I request to see the retainer agreement. I will report this to the Federal Trade Commission and other appropriate authorities. This is grounds for a federal lawsuit.
Consumer complaint received 2017-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (TX)

Trying to put a Fraud alert on account with Experian. I called last week, held on forever never did get to talk with anyone. Called this morning got an offer for 100 dollar certificate, could not get past that advertisement. Called # 2 this morning Go through I think it was 4 offer of free junk. NOTHING IS FREE NOT EVEN FREEDOM ITSELF. ( 100 % DAV ) Someone answered asking about another 100 dollar certif. I kept telling them not interested. Plus they said that certif. would be a little charge. My response not interested the lady did take my name -- what for I do not know.. Told her I wanted to put a fraud alert. This just happened to be experian. Tried third time answered questions to the computer about more advertisement Put on hold hung up or cut off. Who know what world those computers live in. I saw a story the other day complain to their supervisor, can not seem to get the head honcho computer. I need to also place a freeze on all the credit companies. HA every ones info. will be on the market before anyone can get through. Thank you people for caring, and your service to the American people, even the NFL. Thanks -- XXXX
Consumer complaint received 2024-03-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc. (MO)

This letter is regarding an account : SOUTHWEST RECOVERY SERVICE XXXX XXXX XXXX XXXX, TX XXXX AMOUNT : {$910.00} ORGINAL CREDITOR : XXXX XXXX DATE OPEN : UNKNOWN I requested a validation letter, but the letter didnt provide information of purchase agreement showing full ownership of this account. This company have been reporting fraudulent inaccurate information to all XXXX credit bureaus. This is a violation according to the FDCPA and the FCRA ; along with the corresponding local state laws. In addition, provide my written permission document giving consent to furnish this consumer report and authorizing a XXXX time use of my social security and approval for the consumer credit transactions.
Consumer complaint received 2024-03-02
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (FL)

On XXXX XXXX I purchased 3 Vanilla Visa Gift cards, 2 of the cards were defective. 
On XX/XX/XXXX I contacted the company for assistance, they told me they would give me a claim number to refund the XXXX dollars. I had not received the refund, so I called to find out why. I was told a check was mailed on the XXXX of XXXX and to give it 3 weeks to received the check. The day I contacted them on was XX/XX/XXXX so the 3 weeks had pasted. I have been calling them ever since and keep get the same answers, they say they will escalate it to a supervisor, or wait XXXX to XXXX hours for the system to update, or we are investigating the claim. Claim # is XXXX
Consumer complaint received 2016-08-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Southwest Credit Systems, L.P. (DE)

Account Previously Deleted for non validation by previous collector and creditor. 
No dunning notice sent by this collector. 
This debt buyer has falsified date of account opening, first reported.
Consumer complaint received 2015-10-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION (GA)

excessive overdrafts fees {$36.00} and {$100.00}, I am on a fixed income, requested reduction in the amount, bank declined, I have been sick and need to go to several doctors this month, now I can not afford food or to go to doctors
Consumer complaint received 2024-03-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NC)

Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to request a security ledger from their student loan servicer. This right extends to both federal and private student loans. The FCRA requires that servicers provide consumers with a free copy of their securities ledger once per year upon request.