davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

I took out a home mortgage with XXXX ( a mortgage broker ) with the first payment due on XXXX. XXXX immediately transferred the mortgage to XXXX to whom I made payments from XXXX through XXXX. In XXXX XXXX transferred my mortage to XXXX XXXX to whom I made mortgage payments to from XXXX through XXXX. 
On XXXX my mortgage was sold to Select Portfolio Servicing Inc ( SPS ) From XXXX to present I have made the remaining mortgage payments .I have documented proof from my bank confirming that all payments have been made ( on time ) and yet ever since the loan transfer from XXXX XXXX XXXX XXXX I have received monthly notices that I am I am behind a payment. I have tried relentlessly to clear this issue up and even hired an attorney to intervene on my behalf but without success. 
The attorney was concerned that the legal cost of entering into a lawsuit may outweigh the benefit of resolving my issue. At this stage I am now being charged monthly late fees and am getting calls and letters from collection agencies even though I am current on my mortgage and have been on time and am current with all payments. I am desperately looking your assistance in helping to resolve this issue. 
Sincerely XXXX XXXX
Consumer complaint received 2015-06-02
Product: Credit card — 
Issue: Billing statement — 
Company: U.S. BANCORP (MN)

I am a victim of identity theft and someone stole my US Bank Visa credit card and made fraudulent charges on my credit card account. I have sent numerous letters, police reports and copies of my personal identification to US Bank and informed them someone stole my US Bank Vise credit card and made fraudulent charges on my credit card account. US Bank informed me that I am responsible for the fraudulent charges. US Bank is violating the Federal Fair Credit Reporting Act. I wo n't send any further correspondence to US Bank in reference to this matter.
Consumer complaint received 2016-10-27
Product: Credit card — 
Issue: Billing statement — 
Company: FIRST NATIONAL BANK OF OMAHA (CO)

First Bankcard froze my credit card without notifying me alleging late payment which included a recurring payment to XXXX XXXX that I had specifically told First Bankcard was not valid. As a consequence, my truck repair could not be paid using the First Bankcard and I am on foot in XXXX, Colorado without access to medical care. First Bankcard customer service told me I had to call XXXX to cancel my account which I had already sent a written response to XXXX at the XXXX XXXX address. My credit available showing is well over {$4000.00} but my credit card was frozen for {$45.00}, which I paid electronically today. Despite that payment, First Bankcard is unwilling to unfreeze my credit card until midnight tonight. I can not get my truck until tomorrow which puts me in hardship and I now have an XXXX in my foot which requires medical attention.
Consumer complaint received 2022-08-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (CA)

I have an ally bank auto loan which I am a co-borrower on. I pay the payments not only onetime every month, but I make extra payments. Despite this, Ally Bank Repossessed my truck and marked my credit as charged off debt per the attached screenshot from my credit report. I have never been late on this account per the attached payment history. I want the CFPB to conduct an investigation into this matter please.
Consumer complaint received 2019-05-14
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. (NH)

I believe that the creditor that has a negative collection on every one of  my credit bureaus has a misunderstanding as to the responsible party to the account. My husband XXXX passed away a few years ago, and the account belonged to him as the responsible party. Therefore, I respectfully request the credit bureaus to intervene and see that XXXX   XXXX  applies my rights under the Fair Credit Reporting Act and delete the account on every credit bureau respectfully.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (AK)

I am a XXXX XXXX XXXX XXXX. Approximately XXXX yrs ago I had an account I believe with Wells Fargo. XXXX XXXX  had access to the account and created some sort of overdraft. That action caused me to be further dependent on him. I finally got away from him and others prior to him in XXXX XXXX. I've not been able to cash checks or open a bank account. At some point there will be judgements in our cases against those who are further profiting from XXXX  using internet sites to sell our XXXX and exploitations. In addition, my parent passed away and I can't cash the cashier 's checks at even XXXX or any credit union or bank. All require an account and even XXXX has my social flagged due to the Wells Fargo incident that was due to the person who was XXXX  me last. 

I am XXXXXXXX XXXX XXXX in the case against XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The description of videos is proof. One being my XXXX is still being sold and profited from on countless websites including XXXX. 

I can't pay whatever amount my XXXX  caused to mess up my credit if I can't even cash checks from my parent passed. It's odd that the internet site/companies all have banking, as they continue to harm us survivors but I can do nothing to be less vulnerable years after surviving what I went through. 

There isn't any way to " prove '' I was XXXX, but I do have records of payments to XXXX. I can as you also can easily XXXX XXXX XXXX my middle name ) XXXX and see my XXXX  all over the internet. I can also provide the case number with the court in California. XXXX XXXX
Consumer complaint received 2024-03-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (OR)

I beleive Marcus froze access to the funds in my account in XXXX. They did not reach out to resolve the freeze proactively. Attempts to transfer funds back into my primary bank account prompts a message that says there is an error with the website and that I should try again later. I tried several times between XX/XX/XXXX and XXXX XXXX. Realizing the error was incorrect, I contacted Marcus to resolve the issue. They informed me that my account is frozen for withdrawals until they can verify I own the account I am attempting to move funds in to. Incidentally, the account is not new and I have been using this account to transfer funds with Marcus for several years. Marcus staff said they needed to contact my primary bank to verify my ownership. For security reasons, my bank will not verify ownership over the phone ( which makes sense, after all, anyone can call in and state they are from another bank and ask if a person owns an account ). Marcus has asked that I snail mail them a copy of my bank statement showing that I own the account. This is clearly security theatre, as altering a statement before printing and mailing is a very simple task. However, I have complied with their request to regain access to my money. I mailed the statement nearly XXXX weeks ago. Marcus phone reps have confirmed receipt of the statement as of XX/XX/XXXX. As of today XX/XX/XXXX, I still can not transfer my funds from my account. When I asked to speak to a decision maker ( supervisor ), I was informed that it takes XXXX business days for a supervisor to call back.
Consumer complaint received 2024-03-21
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC. (MD)

Navient Private Loans is an absolute abhorrent organization. Not only was the school I attended under investigation by the united states senate for fraudulent job placement numbers, and high pressure sales tactics, Navient failed to explain forbearance laws, or offer me any substantial assistance in making payments other than " Pay or default. '' They would harass me, calling upwards of XXXX times a day, disrupting my work and nearly getting me fired.
Consumer complaint received 2022-08-05
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. (NC)

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft.

The following items listed below are unknown to me. 
XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$550.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX* Balance Owed : {$420.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2400.00} ; XXXX XXXX XX/XX/2021 ;
Consumer complaint received 2017-01-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BCA Financial Services, Inc. (NY)

I am filing a complaint on BCA because they are reporting a collection on my credit report with the partial account number XXXX. This collection does not belong to me. My twin sister and me have the same name and obviously the same date of birth. I have disputed this account with the credit bureau and they have not removed it even though my social is not the XXXX reporting.
Consumer complaint received 2024-01-23
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (GA)

In XX/XX/year> I was charged exorbitant international fees totaling over {$10000.00} on account # XXXX to a phone line assigned to a XXXX I am uncertain if these charges were incurred by the XXXX that was assigned to that account, but clear that I did not authorize such substantial fees. 

I find it disconcerting that, unlike other consumer focused companies, XXXX does not suspend services or seek verbal consent from the account holder before charging excessive fees. This lack of precautionary measures places an undue burden on consumers. 

I also was proactive and contacted a XXXX representative before embarking on a cruise clearly outlining my destination, XXXX. I was assured that no extra protection was necessary to avoid charges as international fees would not be incurred in XXXX. Regrettably, this information was inaccurate, and the resulting fees have now been added to my credit report. This has led to the denial of access to credit and is impeding my ability to make necessary life changes. 

I request an immediate investigation into this matter, the removal of the unjust charges, and rectification of the impact on my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (KY)

I received a letter from TrueAccord stating they were trying to collect a debt I owe to XXXX XXXX XXXX XXXX in the amount of {$990.00}. I have never had any contract, services, or any business with XXXX XXXX XXXX XXXX. I have never received any bill from XXXX XXXX XXXX XXXX for anything. I contacted XXXX XXXX XXXX XXXX and they have no records of me ever having an account with them or owing any money. I am going to email XXXX informing them of the provided information and the debt is not mine. I am also going to request in the email the name and address of the original creditor.
Consumer complaint received 2024-01-27
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: U.S. BANCORP (SC)

Reminder : XXXX The statement of complaint citation Identity Theft 18 U.S.C. Section 1028A, treasury sales promoter 's fraud on contracts, and the financial statement arrangement disclosures ; allocation name reportable, the descriptions, Excise Exempt Property 28 U.S.C. Section 791, 12 C.F.R. Part 360 reportable periods, Salaried Income Tax Refund 1040 transactions purpose means, depositing schedules, withdrawals, transfers between accounts, exchange of currencies, loans, extension of credits, purchases or sales of any stocks, bond securities, share certificates, or registered monetary instruments, or investment securities, or any other payments, transfers, or deliveries by, through, or to the financial institution ownership selected by whatever means. Notice of Creditor 15 U.S.C. Section 1635 Transaction Rescission Rights :
Consumer complaint received 2024-01-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc. (TX)

PROFESSIONAL ACCOUNT MANAGEMENT LLC IS ATTEMPTING TO COLLECT A DEBT FROM ME FOR A CAR WITH A LICENSE PLATE OF XXXX XXXXXXXX. I HAVE DISPUTED THIS DEBT IN THE PAST AND AFTER SEVERAL DISPUTES AND COMPLAINTS THEY FINALLY INVESTIGATED MY DISPUTE. THEY TOLD ME THEY WOULD NOT ATTEMPT TO COLLECT A DEBT FROM ME ABOUT THIS LICENSE PLATE XXXX XXXX. IF I TELL THEM I SOLD THIS CAR BACK IN XXXXXXXX, THAT MEANS I SOLD THIS XXXX AND IT DOES NOT BELONG TO ME. THEY WANTED MORE INFORMATION FROM ME. DUDE, I AM A RESIDENT OF TEXAS AND THE CAR IS IN CALIFORNIA BEING DRIVEN WITH XXXX XXXX. AGAIN, I SOLD THIS CAR IN XXXX AND IT DOES NOT BELONG TO ME. XXXX TOLD ME THEY WOULD STOP COLLECTION ACTIVITY AGAINST ME FOR THIS, BUT THEY HAVE CONTINUED THEIR COLLECTION ACTIVITY AGAINST ME IN A DEBT COLLECTION LETTER DATED XXXX. 
I DECLARE UNDER THE PENALTY OF PERJURY UNDER THE FOREGOING IS TRUE AND CORRECT. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TN)

almost 1 year venmo does not allow me to access my funds! customer service non existant wont reply wont help! only auto replies! 

I need to access my money! this is a scam! venmo stealing customer funds!
Consumer complaint received 2024-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Synovus Bank (NC)

On XXXX XXXX I noticed a large amount of my funds being transferred to another account that I did not authorize. I spoke with the bank and a debut was made against the transactions. My concern is that this is the third time this has happened with the financial institute whereas I'm starting to lose trust in their ability to ensure my funds are safeguarded again unauthorized access. About twelve months ago, my decease spouse 's saving account was also accessed with an unauthorized transition of a large amount of funds whereas she has been deceased for two years by this time. Therefore, I know there wasn't anyone that authorized the transfers.
Consumer complaint received 2015-10-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Direct Recovery Services, LLC (NM)

I have received numerous phone calls over the past few months fromDirect Recovery XXXX XXXX XXXX, XXXX, NY XXXX. 

The phone calls are for XXXX XXXX. The collection agency leaves personal information about this debt and threatens to file legal action against this person. 

When I called to ask them to stop, they refused to provide any information, including the address to which to mail a cease and desist letter. I obtained the address information from a reverse phone number search. 

The phone calls are approaching the level of harassment. They come at all times of the day/evening. 

According to my caller ID, the calls come from XXXX. The phone number left to call is XXXX. The person says that her name is XXXX XXXX.
Consumer complaint received 2024-01-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (MI)

Goldman Sachs is doing incorrect math on how much credit I have for my card in XX/XX/XXXX. By XX/XX/XXXX, I paid {$1400.00} and I spent {$600.00}. On XX/XX/XXXX they downgraded my credit limit from {$1500.00} to {$800.00}. The system said that I had {$600.00} in card balance and I had {$190.00} available credit which is true that I had spent {$600.00} in XXXX however I paid a total of {$1400.00} and there's {$680.00} that is unaccounted for. There was one customer service rep who told me on around XX/XX/XXXX that I overpaid and I would have full limits and receive a check for anything I paid beyond the {$800.00} limit after my payment was applied on XX/XX/XXXX. The backend system made a mistake and when my payment was applied on XX/XX/XXXX, it incorrectly said that I have only {$190.00} when I should have had no limits and I was supposed to receive a check for {$79.00}. Here 's the original math done by the Goldman Sachs rep and this math checks out to me : {$1400.00} ( total paid for XXXX ) - {$600.00} ( total spent in XXXX as of XX/XX/XXXX ) - {$800.00} ( available credit limit that was supposed to be available to me on XX/XX/XXXX ) = {$79.00} ( credit overpayment check that would be sent to me ). Because Goldman Sachs is now doing incorrect math ( which I suspect is because their backend database isn't properly equipped to apply payments properly when a credit limit is downsized in the middle of a billing cycle ), here is the new formula of what happened : {$1400.00} ( total paid in XXXX ) - {$600.00} ( total spent in XXXX as of XXXX ) - {$190.00} ( available credit to me on XX/XX/XXXX ) = {$680.00} ( total amount that is unaccounted for ).
Consumer complaint received 2015-10-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (CA)

I disputed an attempt to collect by Enhanced Recovery Company , LLC on XXXX/XXXX/2015. Although being told I would be cleared of this debt, it shows up on my credit report. This debt is not mine as I told their representitive. This is the SECOND time within one year I have had this issue with Enhanced Recovery. Am I to assume that everyone with the name XXXX XXXX now has this on their credit report?
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Asset Recovery Solutions, LLC (MS)

Asset recovery solutions has cold called an estranged relative claiming to have been given permission to call from the county. They continue to call after being told XXXX separate times to stop all calls. Cease and desist has been stated multiple times.
Consumer complaint received 2024-03-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Renton Collections Inc. (WA)

This complaint is a follow-up to complaint XXXX, whereby it was described how this debt collector ( RCI Billing ) reported a delinquent medical account to credit reporting agencies in XX/XX/2023. The delinquent balance ( s ) of {$1400.00} and {$290.00} were reported to credit reporting agencies between XXXX and XXXX. Each amount was false and inaccurate. I provided documentation showing how my original balance with XXXX XXXX XXXX account was reprocessed and covered by my health insurance plan. 

In RCI Billing 's response to my complaint, it confirms that my current balance is not {$1400.00} or {$290.00}. In fact, RCI Billing confirmed that it had already been informed by XXXX XXXX XXXX in XXXX that the medical account balance was reduced from {$1400.00} to {$40.00}. Still, for several months RCI Billing continued reporting a greater ( incorrect ) medical account balance to credit reporting agencies. Doing so, violates the Fair Credit Reporting Act ( FCRA ). Moreover, it is a violation of the Fair Debt Collection Practices Act ( FDCPA ) to report delinquent medical bills to credit reporting agencies, without first attempting to collect the debt. 

RCI Billing has not ever attempted to collect {$40.00} from me. Therefore, they should not have flagged the account as delinquent or reported the medical bill to credit reporting agencies. Despite its acknowledgments RCI Billing has not offered any path towards resolution. In complaint XXXX, I requested for RCI Billing to remove all references of this medical debt from the credit bureaus. In this complaint, I am also asserting that I have a right to pay a debt before it is reported to a credit bureau. At this point, RCI Billing has not honored that right.
Consumer complaint received 2023-12-29
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: EQUIFAX, INC. (CA)

I received an alert for a hard inquiry performed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no previous or current accounts with this entity. At no time did I apply for credit or loan services with XXXX or the XXXX XXXX. I filed an Identity theft report, contacted and disputed the hard inquiry with all three credit bureaus and placed fraud alerts with all three credit agencies. XXXX and XXXX removed this hard inquiry. Equifax has declined to do so. No evidence was provided proving I was involved with an application for services. In addition, on XX/XX/, I called and filled out a credit dispute form to XXXX stating this was an unauthorized hard inquiry and no application for credit or loan was made by myself. At this time, XXXX has not contacted me concerning the seriousness of this potential attempted identity theft.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance Owed : {$44000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

Out of the several dispute letters sent to Equifax they refuse and ignore my consumer rights, my privacy, triggered many consumer violations, reporting of income and personal accounting information. Equifax continues to report a bankruptcy that the United States Bankruptcy XXXX does not furnish to any credit bureaus and have yet to provide evidence of who the got it from.