davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-08
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Account Outsourcing Group, LLC (GA)

On XXXX XXXX, 2015 at XXXX I had a miss call from XXXX XXXX XXXX XXXX. I called the number back at XXXX and discovered it was a collection agency. The collection agent did identify who she was and confirmed the number I was calling for and asked if I was a XXXX. I informed her that I did not know a XXXX. The collection agent then asked me to hold while she checked something else and asked if I was who I was and she confirmed my date of birth. I informed her that I was and she informed me that she was call to collect a debt for XXXX XXXX Bank. I informed the caller that I did not owe the debt and they were attempted to fraudulently collect a debt and not to call me again and I was going to report them to the Consumer Financial Protection Bureau.
Consumer complaint received 2024-01-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (MI)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2021-11-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (KY)

Im being garnished by LVNV FUNDING LLC, I didnt receive any information for the state of XXXX who allowed the garnishment, I found out because my job sent a letter about the garnishment. I dont live in XXXX but work there im. Im just trying to understand why I was notified and how XXXX can approve garnishment when I dont live in XXXX anymore. I got a default judgement because I wasnt notified
Consumer complaint received 2015-11-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

Not sure where to start but the loan modification that i applied for with Penney Mac was on going but Penney Mac decide to move forward with the foreclosure sale even after stating in the month of XXXX that there was no sale date to worry about and the Loan Mod was in process I do n't understand why this company is XXXX XXXX on foreclosing on my home when i have supplied them with 99 % of the required documents for a loan modification review, I have repeatedly told Penney mac i would like to keep home and obtain a loan modification and not lose my home because of one outstanding document, which they have now as of the date of this complaint.
Consumer complaint received 2022-02-04
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MEMBER FIRST MORTGAGE, LLC (MI)

Member First Mortgage ( through an " error '' ) released all of my credit report to my ex-husband without my consent. He is refinancing the mortgage on our marital home to buy me out of my share. My name is NOT on the application, and we are no longer married, but they provided my entire credit report to him without my consent or knowledge.
Consumer complaint received 2019-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (FL)

Hello, I received the below email from BBVA on XX/XX/XXXX : " This might be the easiest {$25.00} you'll ever earn. 
We noticed that you haven't taken advantage of your BBVA Compass checking account of late. Which is a shame because it has great features that can make your financial life easier to manage. You can access your account now with our award-winning Mobile App, online, or by visiting a branch near you. 

Simply bring your checking balance to {$100.00} by XX/XX/XXXX, and, if you still have {$100.00} in your account on XX/XX/XXXX, we'll deposit {$25.00} in your account within 90 days. '' I raised my checking account with them to {$100.00} on XX/XX/XXXX. 

I reached out to them today and they said I do no qualify " REPLY : Dear XXXX XXXX, Thank you for contacting BBVA Compass regarding the status of your Promotional Bonus. 
We would first like to thank you for choosing us as your bank, as we do value your continuing patronage. 
Upon reviewing your account ending in XXXX, we have verified that you do not qualify for the {$25.00} Increase DDA Balance Offer. This is due to you having a Promotional Bonus deposit into your account within the last 12 months of receiving this Offer. Your last Bonus was deposited on XX/XX/XXXX for {$200.00}. As a result, no Promotional Bonus will be provided at this time. '' The rules of the offer at below of the email. 

" There is a maximum of one ( 1 ) bonus per household. This offer is not combinable with any other bonus offer. You must be a BBVA Compass consumer checking primary account holder who received this communication by ( email/mail ) from BBVA Compass. To qualify you can not have received a cash bonus in the past 12 months. The {$25.00} bonus will be deposited to the primary account holder 's checking account within 90 days of meeting the bonus requirements. Account must be open and in good standing with a balance of {$0.00} or more at the time of bonus payment in order to receive the bonus. BBVA Compass may report the value of the bonus to the IRS as required by law. Any client whose tax status would require BBVA Compass to impose tax withholding of any sort will not be eligible for this bonus. '' Per their response my cash bonus for opening the account was provided on XX/XX/XXXX and was targeted per email for this offer and the eligible payout was XX/XX/XXXX which is over 12 months from last bonus date. BBVA should not target people not eligible for bonuses even if doing all of the requirements. 

I've held funds in the account just to satisfy these requirements with BBVA.
Consumer complaint received 2021-12-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION (RI)

On XX/XX/2021 I received a text message from XXXX ( i later learned this was a spoofed number from the XXXX XXXX app ) asking if a authorized a XXXX transfer to a XXXX XXXX. I texted back no and immediately received a call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX phone number ) from someone claiming to be part of their fraud protection department. They told me in order to lock the person who had my info oit of my account I needed to XXXX myself the money in my account. They talked me step by step into enrolling into a XXXX account ( using their bank info ) with my email address and had me XXXX the money in my checking account to myself by entering my email into the recipient line.. the recipient was actually linked to their bank info. Once the transaction was complete they hung up. I never was able to recover my money because my bank said I needed to contact XXXX and XXXX said I willingly sent this money.
Consumer complaint received 2021-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2018 my bill for account CAPITAL ONE BANK USA Opened XXXX. XXXX, 2018 did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602A. States have the rights to privacy 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-02-04
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. (MA)

Hello - I noticed that my credit score decreased by XXXX points overnight based on 1 % credit usage. First and foremost, 1 % credit usage does dictate a reduced credit score of XXXX points! Secondly, I have an EXCEPTIONAL credit payment history! That rating ALONE denies the fact of my credit score decreasing by XXXX points nor an ACCURATE DEPICTION of my credit score. Third, the balances listed on the accounts were incorrect! I had paid several of the balances off and STILL my credit score was reduced by XXXX points. I dont tolerate this type of nonsense. I will follow up with credit bureaus EXECUTIVE MANAGEMENT and make public notice of incorrigible actions taking place on credit reports. I deeply advise that these inaccuracies get corrected ASAP. 

Good Day!
Consumer complaint received 2020-10-17
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (CA)

I contacted the COMENITY CAPITAL BANK for XXXX customer service number and was disconnected 3 times during transfers. I purchased a XXXX on XX/XX/2020. I was told by the credit card representative at the XXXX dealership that I could pay a down payment using a this credit card. I was approved for {$4000.00} limit. I was told by the credit card representative to set up equal payments using auto payment for 6 months. I did this with 6 payments each at {$660.00}. I set up auto pay for the due date which was the 4th of each month and was established by Comenity bank, not me, each month to pay off the amount in 6  months. My balance reached XXXX on XX/XX/2020. On XX/XX/XXXX, I noticed i was charged {$380.00} as a financing charge. I was shocked. I contacted Comenity and found out for the first time that they set my 6 month no fees promotion to end on XX/XX/XXXX- 16 days prior to the Comenity established payment due date.

I have been severely effected by Covid19 and have lost my income. My auto payment due date was 16 days past the promotional date ending. I didnt get my mail during the time I was  sick, and wasnt aware that the promotion ended XX/XX/XXXX. This date was not made clear or given to me on the date I financed. I only learned this after being charged this enormous finance on a XXXX balance. Now with a XXXX  balance, I am being charged interest on a paid off {$4000.00}. It feels like this is usery and racketeering. Its wrong that my due date did not coincide with the end of the promotion. This is a trick and its horrible they say they will help during covid but they actually will not. Comenity bank for XXXX has rained devastation on our family during the pandemic. I needed Covid19 relief and was told my comenity that we did not qualify.
Consumer complaint received 2022-02-04
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: SMITH, ROUCHON & ASSOCIATES, INC. (MS)

XXXX is stalling on my re-investigation by claiming that they can not locate my file due not not having my full social number and proof of identification when in fact they have previously verified my identity. 

XXXX is reporting the date of last activity on the collection account in question as XX/XX/2022 this is an 605c running of the period violation due to they have re-aged the date of last activity when it is in fact suppose to report as the last time a payment was made on this account. 

They have failed to properly validate that this account is reporting maximum possible accuracy and due to the present violation there is no way they properly investigate this account. 

I would like for smith and rouchin to provide PROOF of this alleged debt as they can not ASSUME that this debt belongs to me without PROPER verification. Please note that an itemized bill does not constitute proper verification. 

I have no Written agreement with smith and Rouchin nor have I ever done business with this company .. both companies have FAILED to properly validate that this account not only belongs to me but is reporting maximum possible accuracy per the FCRA
Consumer complaint received 2016-07-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CA)

Equifax is claiming US Dept of Education is reporting accurately. They informed me I needed to talk to the data furnisher directly. So I sent requests for information multiple times with no response from them. I then sent a letter to Equifax informing them the US Dept of Education failed to respond to my request for further information. It has now been over 6 months since my original contact with the data furnisher & over 30 days since I sent my letter to Equifax to remove the account. I would like this account removed from my report immediately. Both XXXX & XXXX have removed this account months ago.
Consumer complaint received 2017-05-22
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Bank of America was presented estate papers etc   XXXX   XXXX   for deceased. Additional documents were presented for deceased   XXXX   XXXX  .   XXXX   XXXX   Bank of America 's legal division says they will not release funds
Consumer complaint received 2016-10-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

XXXX- I would like for this XXXX ( XXXX ... ) account to be removed from my credit report. I have mailed several request for Equifax to do so. I have also called XXXX and they said to dispute directly with Equifax.
Consumer complaint received 2015-06-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TRANSWORLD SYSTEMS INC (GA)

hello i have received XXXX different collection letters about this claim the XXXX one was a company out of Kentucky, which we disputed in XX/XX/XXXX.when we got the letter from trans world i sent them a dispute letter in XX/XX/XXXX. their answer to my dispute was that they reported me on my credit report. i have had a lot of problems with identity theft and this company is on a witch hunt to collect anything from anyone. Please see the attachments.
Consumer complaint received 2017-01-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (IL)

XXXX BANK SOLD MY LOAN TO SETERUS MORTGAGE WITHOUT GIVEN ME NOTICE. I AM FACING A HARDSHIP SOMEONE AT SETERUS, STATED TO US WE CAN FILLOUT BORROWER ASSISTANCE FORM, BUT ITS A DOUBT I WILL RECEVE ASSISTANCE.
Consumer complaint received 2024-01-24
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX OpenedXXXX  Balance : XXXX. THIS ACCOUNT IS CEASE AND DESIST BUT THEY KEEP CALLING ME AND SENDING IN TEXT AFTER I REFUSE TO PAY THIS NO CONSENT ITEM THATS REPORTING ILLEGAL INFORMATION 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

15 usc 1692c/ 15 usc 1692g ( b ) not valid and violating 15 usc 1692 ( 8 ) ( E )
Consumer complaint received 2015-09-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Home Mortgage has refused to give me this current information and your help is needed. I feel Wells Fargo Home Mortgage is duel tracking in a attempt to refuse a loan to me and discriminate against a XXXX women. Loan # XXXX XXXX XXXX, Property Address : XXXX XXXX XXXX XXXX , XXXX XXXX, CA.XXXXWhat the status of my Loan Modification Application? 
On what date did you receive my Loan Modification Application? 


XXXX XXXX
Consumer complaint received 2022-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX improperly and fraudulently accessed my credit report during discussions of purchasing a vehicle. I did not authorize a hard pull from their dealership or finance department. I stressed repeatedly that the only financial institution was authorized to pull my credit report was XXXX XXXX XXXX XXXX. XXXX XXXX disregarded my wishes and refuses to remove the inquiry.
Consumer complaint received 2022-07-20
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DLC, LLC (NV)

I received notification from XXXX that there was a collection on my account from XXXX XXXX XXXX XXXX for the Dollar Loan Center in the amount of {$830.00}. I have never had a loan with the Dollar Loan Center.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

THESE ACCOUNTS ARE NOT MINE AND FOR A LONG TIME I HAVE WANTED THEM TO BE REMOVED FROM MY CREDIT. IT IS SOMETHING THAT HAS HURT ME FOR A LONG TIME. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Upon reviewing my credit report, I have noted that the aforementioned medical collections account, related to services rendered on XX/XX/2023, in the amount of {$1000.00}, and additional charges of {$930.00} has been reported despite the fact that it does not meet the criteria for permissible reporting under the No Surprises Act. 

On XXXX XXXX I was notified but Experian that this account was verified as reporting accurately even after reporting that this creditor was in violation of the No Surprises Act.
Consumer complaint received 2022-07-20
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. (PA)

In accordance with the Fair Credit Reporting act ; XXXX XXXX XXXX, Account # XXXX and XXXX Bank, Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2016-10-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

Equifax is incorrectly reporting a lien on my credit report. I have written them twice for evidence that such lien exists and they can not provide me with anything yet they still are reporting it on my credit report. I have also called and disputed this item, but they continue to say it is verified.
Consumer complaint received 2015-10-06
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I put a stop payment on a charge for cable that was not authorized and had already been taken from our account two weeks prior. I was told it would be stopped and not go through. Two days later it went through and created an over draft of XXXX
Consumer complaint received 2023-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2022 check was deposited from client for fence installation for {$2200.00} check was frozen by wells fargo states as fraudulent check however other parties bank confirmed validity of check and the hold was not on their end but from wells fargo. Wells fargo gave multiple different reasons that did not make sense and time and money was lost due to freezing accounts and funds.
Consumer complaint received 2015-07-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pinnacle Credit Services, LLC (NJ)

The original creditor of my debt is XXXX XXXX in the amount of {$360.00}. This debt is delinquent since XX/XX/XXXX in which it had gone into collections. Moreover, Pinnacle Credit Services which is a debt buyer bought this debt XX/XX/XXXX. Furthermore, on my credit report it states debt was opened XX/XX/XXXX which is false information and is called parking an old debt and violates FCRA guidelines.
Consumer complaint received 2015-04-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Franklin Collection Service, Inc. (TX)

Franklin Collection Service , INC . Stated that I owed XXXX XXXX for internet services ; however, I never used XXXX for internet services. They have since reported the charge against my credit score XXXX. I sent them a written dispute, but never received follow-up correspondance.