davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: M&T BANK CORPORATION (NY)

This agency representative XXXX called me back in XXXX saying she was from XXXX XXXX and XXXX, claiming that M & T Bank was going to take action to sue me for a charge off that that I supposedly had in XXXX. I said I know of no such debt and she said call M & T bank charge off and recovery to straighten out. I did call them and they search my name all the way back to XXXX. No charge off was ever placed against me, and that thay use their own collection service that its probably a scam. Then Yesterday again I get this call from XXXX XXXX with same information. When I told her I talked with M & T bank, she got uptight and said with charge offs and recovery, I said yes and she said is this the last four digits of your ss number and stupid me said yes, but I have no debts and that M & T bank told me it was a scam. XXXX immediately said said your refusing to pay, I said I owe nothing and she told me they will proceed with legal processing and hung up. I have the phone numbers off my phones that I do not recognize but believe is how they called me and left the voice XXXX and XXXX, the number to call back was XXXX. I called her back and said they are to cease a and assist calling me that I was hiring legal lawyer to handle this matter. What scares me is they have my ss last four digits please advise
Consumer complaint received 2020-01-06
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. (OH)

On XX/XX/2020 I filed a dispute for three unauthorized inquiries with Equifax via myEquifax.com. Was informed on XX/XX/2020, only 2 days later that my dispute was ready. To my disbelief my dispute was denied. I have been dealing with identity theft problems for the past 3 years and Equifax is well aware of this. As a result of Equifax denying my dispute and only taking two days to investigate I have filed an Identity Theft Report. Included in this complaint are : Identity Theft Report, Letter to Equifax, FCRA 605b,  Credit Report, Drivers License, and Social Security Card
Consumer complaint received 2016-12-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HUNTINGTON NATIONAL BANK, THE (TN)

I have an auto loan from Huntington bank. It is a 6yr loan and I am told it has a penalty for early payoff. I just read on the internet that it is prohibited on anything over 5yrs. Like to know if thats true.
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (VA)

DO NOT CLOSE THIS COMPLAINT. It is not a duplicate and was not requested by anyone other than me, XXXX XXXX. I received a letter from the CFPB stating complaint XXXX, XXXX and XXXX were closed because someone other than me requested it. That is incorrect so Im resubmitting this complaint. 
The credit card company has reported utilization on my consumer report to XXXX, XXXX and XXXX without my permission. They also never notified me in writing that they were going to do this. This has caused me severe financial and mental distress. Now I'm unable to obtain personal and business credit. I'm unable to pay my bills and currently have no income. I attempted to get them to remove the unauthorized information but they ignored my request.
Consumer complaint received 2022-01-25
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: WELLS FARGO & COMPANY (NJ)

Receiving bills for a credit card that I do not have and never opened. Showing up on my credit report and unable to report fraud the the credit card company even though Ive made numerous attempts. Credit card company is Wells Fargo.
Consumer complaint received 2016-05-31
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I reported fraudulent activity on my account at Huntington Bank as soon as I noticed. I reported it online and was told to go into the branch to fill out a report. I did this and was granted a provisional credit a few days later on XXXX/XXXX/16. After about a month, I went into the bank to ask when I would know if the credit was no longer provisional. The bank teller looked into my account and gave me a date about 3 weeks later when my file should have been reviewed and the decision made. A few days after this date, I talked to a representative online and was basically told the bank teller had no idea what she was talking about and the bank had 60 days to make a decision. It has now been well over 60 days and I can not get an answer regarding the status of the provisional credit.
Consumer complaint received 2019-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

In 2013 I had a family member steal a lot of money from me. I could no longer pay my bills and I did not want to claim bankruptcy. I chose XXXX XXXX to help me with my bills. I owed XXXX XXXX {$2400.00} which I was paying {$130.00} a month on. XXXX XXXX attorneys made a settlement for me with XXXX to pay {$200.00} a month for 12 months to pay off the {$2400.00}. The last payment was made XXXX. XXXX refuses to update that this account to the credit agencies. Two agencies say I owe XXXX {$320.00} and another says I owe XXXX {$770.00}. I have paid them every penny I owed them and I have disputed with all 3 credit agencies, Experian, XXXX and XXXX. They all tell me XXXX has told them I owe them money. They refuse to fix this problem and I have asked for them to send me a letter stating that this is paid in full and they refuse to do so. I do not know how they can get away with these kind of practices. The only thing I have to show I have made these 12 payments is what I printed off the computer from XXXX XXXX. I hope you can help because I do not know what to do anymore. 
Thank you for any help.
Consumer complaint received 2022-01-25
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. (PA)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
CREDIT REPAIR CONSUMER LAWS : Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Consumer complaint received 2020-01-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NY)

In XX/XX/XXXX I saw a collection attempt by IC System in my XXXX XXXX credit score report for the sum of {$140.00}. 

I have never heard of this company, I never owed this amount to anyone, and I've never been notified in any way shape or form about this debt by anyone. 

I disputed the claim in XXXX through XXXX XXXX 's system and won, the claim was thrown out. Now In XX/XX/XXXX I see the same company ( IC System ) making the same claim for the same amount I don't own on my credit score report. 

This company appears to be a mob style racket or scam attempting to bully people into paying for debt they don't owe.
Consumer complaint received 2021-06-21
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: The Outsource Group, Inc (NC)

3 DEMAND LETTERS WERE SENT CERTIFIED TO THIS COMPANY WHEN THEY LISTED THAT THE ACCOUNT WAS FROM ONE COMPANY 3 DEMAND LETTERS WERE SENT CERTIFIED TO PROVIDE A DOCUMENTED INVESTIGATION THAT THIS ACCOUNT WAS LEGITIMATE 3 DEMAND LETTERS WERE SENT CERTIFIED MAIL THAT I NEVER RECEIVED MAIL OF AUTHORIZATION BY MYSELF THAT THEY HAD THE WRITTEN RIGHT BY MYSLF TO PROVIDE INFORMATION ABOUT ME ON MY BEHALF OR ON THE BEHALF OF ANOTHER COMPANY DELETE AND REMOVE ALL COMMENTS THAT WERE SUBMITTED CONTINOUSLY BY THIS COMPANY SAME AMOUNT SUBMITTED BY AN ADDITIONAL COMPANY WITH NO PROOF OR DOCUMENTATION OR PROOF OR AUTHORIZATION BY MYSELF AND NO WRITTEN AUTHORIZATION BY MYSELF THAT MY FEDERAL RIGHTS WERE BEING VIOLATED AND THAT I WOULD DBE FORCED TO EXERCISE MY RIGHTS UNDER FEDERAL LAW AND I WOULD BE FORCED TO REPORT THEM TO THE CFPB AND ANY OTHER FEDERAL LAW AGENCY ON MY BEHALF CONTACTING LEXIS NEXUS WITHOUT MY AUTHORIZATION AND IGNORING MY DEMANDS FOR AN OFFICIAL INVESTIGATION WITH STEP BY STEP WRITTEN DOCUMENTATION OF THE WHO, WHEN, WHERE, WHAT METHODS, DATES, NAMES, NOT PROVIDED ALLOWING XXXX TO ILLEGALLY CHANGE NAMES UNDER THE ACCOUNT WITHOUT LEGAL PROOF THAT THE FEDERAL LAW STATES THEY ARE TO FOLLOW AND OBEY THOSE LAWS WERE NOT FOLLOWED THOSE LAWS WERE NOT DONE MY RIGHTS WERE VIOLATED ON MULTIPLE OCCASIONS MY RIGHTS WERE VIOLATED FOR A PROFIT BY THIS COMPANY
Consumer complaint received 2015-04-15
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BMW Financial Services NA, LLC (OH)

i was incarcerated when this account was open this fraud representative claimed i forged a police report through XXXX police that was filed and XXXX police, you can confirm that both identity theft police reports where not forged and are accurate, i was in federal custody when this account was opened and there failing to remove these accounts, by bureau of prison inmate number as XXXX and i was incarcerated from XXXX/XXXX/2010 for XXXX months and they can confirm this online and are refusing to do so, they can confirm this info through XXXX and wont do so and say they verified this account as mind and its NOT mind. I was at FCC XXXX XXXX at the time this account was opened no way i could have opened this account and you being the government can confirm both police reports in both cities and can easily verify where i was when this account was opened under my name, there violation my rights under the FCRA and FCBA
Consumer complaint received 2016-12-28
Product: Credit card — 
Issue: Privacy — 
Company: JPMORGAN CHASE & CO. (SC)

Closed on a mortgage with Chase XXXX XXXX, XXXX. Chased changed the mailing address on my XXXX Chase Credit Cards XXXX XXXX, XXXX. This change was without my verbal or written permission. Chase did not inform me of their intentions to change our mailing address. We do not plan to move into the new home until XXXX XXXX. We are revovating the home to for our personal design. Both these credit cards now do not match the address on our Drivers License. I called Chase to have address changed to where we want to receive our mail. Was on hold set back and forth between XXXX countries and XXXX different people. Issue not resolved. I am employed as a XXXX and work XXXX. I now do not have a credit card that matches my Drivers License, if asked or additional I.D . As a XXXX XXXX XXXX we are told do not show our Passport. As passport is work more than our life on the black market. Again Chase did not ask my premission, for address change and did so without informing me or giving me option. How can I get my address changed to where I want my mail? Thank you for your time and assistance.
Consumer complaint received 2022-01-25
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)

I am continuously being harassed by collection agencies with illegal threats over debt that is not mine. I have notified the bureaus of identity theft but XXXX and Equifax refuse to help me to remove them. I never signed up for any of this debt. These creditors and and the bureaus need to remove this false information.
Consumer complaint received 2022-01-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (PA)

Contacting yall about Consumer Financial Protection Bureau Complaint No : XXXX because I am still having issues trying to pass the security check after trying to add a card or a bank or view my PayPal card information after trying to leak different phone numbers it keeps saying numbers are not supported account email is XXXX XXXX
Consumer complaint received 2019-02-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (TX)

I have an acct on my credit from CMRE FINANCIAL SERVICES in the amount of {$330.00}. This acct do not belong to me. I would like the company to provide documentation including a signed contract with my signature validating that this acct belongs to me. If they are unable to provide documentation. I want this removed from my credit immediately.
Consumer complaint received 2020-09-25
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)

THIS IS IN REFERENCE TO A XXXX  CREDIT CARD WITHA BALANCE OF XXXX I HAVE ADVISED CRDEIT REPORTING COMPANIES XXXX, EQUIFAX AND XXXX  THAT THIS IS A DUPLICATE ACCOUNT. THEY ALL KEEP VERIFYING IT AS ACCURATE. XXXX HAS CONCEDED THAT IT IS BEING REPORTED INACCURATELEY YET THEY VERIFIED IT AS ACCURATE WITH THE BUREAUS.
Consumer complaint received 2016-10-03
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: REGIONS FINANCIAL CORPORATION (GA)

On XXXX I made a overnite deposit due to the ATM at the XXXX GA location being down. On XXXX I called XXXX to find out why it did not post. I talked to XXXX who refunded the NSF and put a total block on card for overdrafts. He said that if no funds are in the account no transactions will go through. XXXX at XXXX location XXXX who said that they do n't make deposits from the overnite deposit box on weekends. ON XXXX, charges from XXXX as a trial period ended went through. On XXXX I talked to XXXX at the call center who said that a partial block was on and any recurring charges will post to avoid embarrassment. She proceeded to put a total block on the card for overdrafts and sent me a claim form since I was not told about the reoccurring charges. After I sent the form in they sent me a letter and said that there was no error for the $ XXXX {$36.00} nsf charges.
Consumer complaint received 2022-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/2022 I received a call from Wells Fargo with a person telling me that they have suspected unauthorized transactions on my debit card in XXXX at XXXX and I live in Georgia, after telling them that was not me in XXXX the person said they needed to shut the card down and would need to send a code to my phone to verify the request. 

After sending the code I read the code back to the person which this is something I've experienced before with Wells Fargo after being with them for XXXX  years so I didn't suspect any fraudulent activity, once I got off the phone with the person claiming to be from Wells Fargo I tried to login to my account and noticed I couldn't because my password had be changed so I called back to Wells Fargo and explained to them about the call I just received and they told me that was not them and they needed to file a fraud claim, then the Wells Fargo representative tells me that a wire transfer of {$23000.00} had been made through my account and I almost passed out so I stopped my work and immediately went to the closet Wells Fargo and spoke with a small business manager. 

Once we were able to get back in my account I saw that a wire transfer of {$23000.00} was pending and the small business account manager told me not to worry because even if the wire transfer goes through they will put the money back in my account well on XX/XX/XXXX I called the fraud department to get the status on my claim and the representative told me my claim was denied because I gave authorization for the wire transfer but I didn't even know about the wire transfer until they told me after I received a call from Wells Fargo with the EXACT PHONE NUMBER that's on back of my debit card that started with debit card fraud at XXXX in XXXX to a {$23000.00} wire transfer.
Consumer complaint received 2019-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (CA)

My complaint is against Barclays bank account # XXXX open XX/XX/2004 Status open. I have more than 15 years in having this line of credit with Barclays Bank and have never been late with them. This past XX/XX/XXXX when I checked my reports I saw a 30-day late payment been reported to credit bureaus. When I researched what happen, was that they reported my 30-day late because of an annual fee that I didnt even know I was paying for who knows how many years. This is unfair business practices, negligence, I never received a late payment insertion notice required by California Reporting Act. And the list of violations can go on. I know this can be a mistake and it can happen to any company that it is why Im using Consumer Financial Protection Bureau as a portal so we can get to an agreement. I want a deletion letter as soon as possible from the mentioned company so I can provide to my mortgage company. I have {$600000.00} home loan pending because of this mistake. So please be reasonable, let s continue making business and lets avoid court for a very simple thing to correct. Please see unfiled attached document. Many thanks to whomever reads this complaint.
Consumer complaint received 2019-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (NY)

Received bill and paid {$3000.00} for all charges XX/XX/XXXX through bill pay of bank Received XXXX Statement and funds not credited. 
Called and spoke with representative on XX/XX/XXXX and provided all reference numbers from bank as check had been send and cashed by company XXXX XXXX # XXXX   ). Reference XXXX, payment reference XXXX Received letter from Barclay XX/XX/XXXX now asking for copies of check from bank Sent XX/XX/XXXX by mail with copies of all bills/correspondence and statement Continue to receive abusive phone calls from credit company asking for payment several times per day.

NYS Attorney General Contacted and complaint filed.

This consumer abuse.
Consumer complaint received 2022-11-13
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 — Problem with personal statement of dispute
Company: TRANSWORLD SYSTEMS INC (TN)

This company is reporting 4 times on my credit report. 3 of those time are listed with the exact same account number, but reporting completely different balances, Account status are not matching under each reporting credit bureau ( some account statuses are even listed as OPEN when its a collection account ) an account can not be open in collections. This is against the FCRA. I have asked for validation several times with no response and without providing their method of verification. 

The other account with a different account number is only reporting different account status. This is against the FCRA. 

I have been patient with this company. At this point I am asking for your company with assisting me with this issue.
Consumer complaint received 2022-09-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (VA)

I first applied for PSLF in XX/XX/XXXX. I have always been on a qualifying payment plan - since XX/XX/XXXX when I first consolidated with my spouse- I have had one loan ( even though this was a consolidated direct loan ) - forgiven, but for some reason, they have left me in administrative forbearance with this " second loan '' for 3 years. 

My qualifying payment counts keep going up, I reapply every time they do, but I now have AT LEAST 163 qualifying payments and am still not being forgiven. I have been told by student aid. gov that Fedloan needed to remove the forbearance for me to be forgiven, Fedloan said that's not true, so they did not. I have been told that the second loan is my spouse 's part, but he died in XXXX, before I ever applied, and, edfinancial, our previous servicer, said they had forgiven his portion. 

In the meantime, the waiver comes along, and people who were never even eligible are being forgiven and getting thousands of dollars back, and here I sit, watching my qualifying payment count go up, reapplying over and over and over, and am still not forgiven. 

Also : Fedloan is supposed to be transferring these to XXXX, I have not heard one word that I will be transferred or forgiven.
Consumer complaint received 2022-01-25
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. (DE)

Hello my name is XXXX XXXX, I am writing to delete/remove the following information in my file. The items I need deleted/removed are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted/removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete/remove the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!