davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: WELLS FARGO & COMPANY (AL)

I applied for a personal loan in which the loan was paid off. Wells Fargo stated that I had not paid off the loan. Therefore the Institution put the payment in collections. I am sure I do owe the amount they are telling me I owe. Thank you
Consumer complaint received 2021-09-01
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: Experian Information Solutions Inc. (IN)

Yesterday I pulled my credit report and I noticed I have accounts on my credit report that don't belong to me nor have I ever authorized. I notified my lawyer and she instructed me to file a complaint with the CFPB first. The following accounts are fraudulent and are not mine and need to be deleted from my credit report. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Also these inquiries are fraudulent and not mine and need to be deleted from my credit report. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I also see several inaccuracies with my personal information. The only name that I have ever used is XXXX XXXX, my address has always been XXXX XXXX XXXX, XXXX, IN XXXX and I am XXXX XXXX. My only number is XXXX. None of the other information applies to me nor has it ever and needs to be corrected. Please correct it as well. Please help me.
Consumer complaint received 2022-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

I received a letter from the city of XXXX dated XX/XX/XXXX indicating the tax after homestead exemption decreased the amount due. After contacting Mr. Cooper on XX/XX/XXXX, and again on XX/XX/XXXX, I received a letter from them dated XX/XX/XXXX confirming they disbursed more than the amount billed and my account was due a refund. I have contacted them multiple times since over the past four months and received various and conflicting guidance regarding next steps, processes, supervisors, timeframes, and rationales for delays. I contacted the city directly on XX/XX/XXXX but they have no record of documentation received from Mr. Cooper to date and was advised Mr. Cooper can simply provide a letter that the city can return the overpayment owed directly to me. I have been speaking with two escalation customer service specialists ; one advised me to request that letter from a different department I could only reach via email and whose response was to contact customer service. I have been updated that there is no update, end of day extends into multiple days, and the assigned agent is unresponsive. They seem unwilling to issue the refund to my account and have not provided the letter nor any barriers for them to be able to do so or meaningful detailed information for months now.
Consumer complaint received 2021-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (CA)

On XXXX a fraudulent account appeared on my credit report from XXXXENHANCED RECOVERY Collections. I never had or have XXXX I have only had XXXX This is identity theft.


Attached is a police report and FTC affidavit.
Consumer complaint received 2016-01-07
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Love, Beal & Nixon, P.C. (OK)

Love beal and Nixon illegally sued me and got a default judgement against me I never received a date of the hearing I called the court house several times they never gave me a date I even responded to the motion still never received a date.. I called and spoke to XXXX and was set up on a payment plan for XXXX accts I sent in payments for XXXX accts they accepted the payments. They then put a garnishment on my checking acct even though I am set up on a payment plan.. It is my understanding that they can only take up to 25 % of monies in my acct they have taken everything I was once again never notified by XXXX not the bake I still have not received anything from them. This is a known issue with them I do n't understand how they are legally still in business..
Consumer complaint received 2020-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On Friday, XX/XX/2020 I went to Capital One Bank located at XXXX XXXX XXXX XXXX, XXXX, LA XXXX. I wanted to do a deposit in store at the branch, however, they were temporarily closed that day. At XXXX XXXX  I decided to deposit a total of {$270.00} cash into the atm, which I do not like doing. The atm prompted me if I would like a receipt, I selected yes. After putting in my money ( which were less than 50 notes ) the machine spit out some bills it would not accept. I was expecting my deposit to show {$220.00} and a receipt to print. However it did not, and a message displayed, your funds have been retained. I immediately checked my checking account online to see if the deposit reflected, it did not. I proceeded to put my card again into the ATM to check my balance there, however it did not reflect also. Since the branch was closed, I decided to call the 1- 800 number on the back of my debit. I filed a claim and told him my concern and they said I would receive a provisional credit. It still has not displayed a credit nor have I received a call from Capital One. After 17 years of being a customer I find this ridiculous. All of their ATMs have a camera and should have a log of what each transaction and user has done. I should not have to wait and he shorted {$220.00} before XXXX!!! The customer service agents portray no empathy and lack of service. I will be closing my account as soon as this resolved if it ever will!
Consumer complaint received 2021-06-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIRST HORIZON BANK (GA)

Iberiabank located at XXXX XXXX XXXX XXXX GA XXXX is a fraud company not a legitimate bank. On XX/XX/21 Their ATM machine # XXXX turned off blank right after I inserted my ATM and entered the PIN number and the amount to get {$200.00} cash. My account was immediately debited {$200.00} for the money I never received from their machine. This is a new kind of bank fraud. When I went inside an employee said : Oh.. yes it happens to noncustomers, but you should eventually get your money back, but I never did. I called them a few times and left them messages, but XXXX XXXX the assistant Branch manager did not even return my call. I am filing a complaint against them to Consumer Financial Protection Bureau with a police report to get my money back.
Consumer complaint received 2018-03-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMCOL Systems, Inc. (TX)

The company AMCOL Sytems Inc has not submitted a written debt validation that shows a contract between them and myself that shows that they are authorized to collect any monies from me. A validation would include my signature and I have not received anything from the company.
Consumer complaint received 2021-09-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (CA)

On XX/XX/XXXX, I received a letter from Amsher Collection Services , Inc dated XX/XX/2021, indicating the collection of debt. On XX/XX/XXXX, I sent a letter via CERTIFIED MAIL ( XXXX ) disputing the debt and requesting its validation ( not a " verification '' ), pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. In addition, I informed Amsher any reporting of a disputed debt would constitute fraud under Federal & State laws. They were given 30 days to investigate and report back. Additionally, I requested the name and address of the bonding agent for Amsher Collection Services , Inc . 

I received a letter over 3 months later dated XX/XX/XXXX, with none of the information requested, except for a handful of copies of bills from the original creditor. No copies of the contract with myself and the creditor. No copies of the contract with the creditor and Amsher were provided. 

In short, they have grossly violated the FCRA, Federal, and State laws, and I intend to hold them accountable. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-11-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (MI)

The creditor did not verify this debt per FCRA rules within 30 days after receiving notice. 
I asked for verification and their balance reported to the bureau differs from what they claimed I owe. Without validation of the debt as per FCRA, they went on to report despite numerous letters to them. I have attached all relevant documentation.
Consumer complaint received 2015-07-28
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (WI)

Opened a {$12000.00} Care Credit account with GE Capital Retail Bank on XX/XX/2015 for XXXX at the XXXX XXXX XXXX XXXX, which I though was interest free. I had auto-payment withdrawals from my checking account for 2-years. Last couple months I noticed my bank statements went way up, so I contacted Synchrony Bank XX/XX/2015, finally was transferred to a Manager, XXXX, ID # XXXX, and was told that my 24-month promotional period expired XX/XX/2015, and I was charged accured interest of 26.99 % of {$6200.00} on top of my principal balance of {$5400.00}, and my account is now {$11000.00} at interest rate of 26.99 %. After a long heated discussion, I offered to pay the principal immediately, but they offered no help, no options.
Consumer complaint received 2023-05-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On Monday, XX/XX/23, I received a phone call from XXXX. The caller claimed to be from the Chase bank fraud department. They asked if I authorized a wire transfer for {$15000.00} to a " XXXX XXXX '' in XXXX. I replied that I absolutely did not. The person instructed me that in order to dispute the transfer, I would have to log into my Chase bank app. I have experienced similar scenarios before in which Chase bank has contacted me to ask if I authorized certain charges. For example, when I have been in another state making a purchase, ( even for charges as little as {$5.00} ), I have been contacted by Chase fraud department to confirm that I was the one making the purchase. The caller knew my personal information including my full name, phone number, address, and the balance in my bank account. He proceeded to explain how I should " dispute the transfer ''. In reality, he was instructing me to wire the {$15000.00} to an account with XXXX XXXX. In the midst of all this, I entered my local Chase branch to investigate and report what was happening. After speaking with several Chase representatives, I was told that unfortunately, " this is ( my ) loss. '' Chase is no longer pursuing my claim. I have subsequently filed a police report, and XXXX XXXX is being subpoenaed for the recipient account information. The ADA has been notified.
Consumer complaint received 2023-01-26
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. (IL)

XX/XX/XXXX. XXXX XXXX has made an hard inquiry on my credit report I have no recollection of why. Please dispute this from my credit report. I have disputed this in the past last year XXXX.
Consumer complaint received 2024-02-21
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. (GA)

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX : XXXX, DEPT OF ED / XXXX : XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.
Consumer complaint received 2021-10-08
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. (FL)

I filed a dispute with XXXX & transunion about these unknown inquiries. I need this removed this is not my debt or doing. This closed account from XXXX XXXX XXXX also is not mines. Please delete this from my report .inquires from XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( closed account )
Consumer complaint received 2018-12-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

Over the last 3 months I have attempted to secure a personal loan primarily applying online. I have been denied due to excess delinquencies. I believed the responses were an over exaggeration of my credit, as I only have one outstanding debt. On Monday, XX/XX/2018, I once again attempted to secure a personal loan with XXXX   XXXX XXXX XXXX, via telephone and during the the application process I was asked to explain why a number of my accounts were in collections. I currently have one outstanding collection account that I have been attempting to settle. No other active account is currently nor have they been in the past in collections. Technically, I have one account that can be considered delinquent. I checked on my XXXX account, that is who XXXX  XXXX used, so as to dispute any accounts showing errors and there is only one account showing up in collections. The error can not be with the creditor 's. If the creditors were reporting misinformation the credit bureau would be showing that information and it is not. Therefore, the information being transmitted to potential creditors is where the problem lies.
Consumer complaint received 2020-10-16
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: FC HoldCo LLC (PA)

There is an inquiry on my report that i did not authorize nor was credit granted. i submitted a letter to the bureau 's to investigate and to show me how they got their information because I never granted anyone permission to do so. there was no response. The inquiry is still on my report. 
XXXX XXXX XXXX
Consumer complaint received 2021-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

Misrepresentation of available credit balance. 

I paid partial balance and available credit was shown. Citi Cards closed my account with no prior notice and immediately. I was unable to access the stated available credit and this left me in a more difficult cash position. This may be construed as misrepresentation or an otherwise incorrect statement of available credit. 

I have no animosity towards Citi, but this is a dangerous precedent, not only for persons but for banking. This kind of stuff causes crashes.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 1. XXXX - XX/XX/2023
Consumer complaint received 2023-01-26
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: EQUIFAX, INC. (NJ)

Equifax 's decision to keep certain hard inquiries on my account is highly concerning. Equifax 's hard inquiries do NOT match those hard inquiries I see on my most recent credit report with XXXX and XXXX. Equifax did not provide proof of what the creditors provided back regarding the hard inquiries, also whom I also called and confirmed with each hard inquiry creditor, they do not know who I am and requested I file a complaint with the FTC and CFPB because Equifax did not investigate throughly, which is further proven again by my XXXX credit report and XXXX credit report. 

Confirmation number : XXXX XXXX  times does this investigation state " The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' - I did not authorize anyone to access my credit file, XXXX and XXXX confirmed that these hard inquiries do not exist on my recent credit report with them, respectively. 

Confirmation # XXXX 2 times does this investigation state " " The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' - I did not authorize anyone to access my credit file, XXXX and XXXX confirmed that these hard inquiries do not exist on my recent credit report with them, respectively. 

Please delete these hard inquiries I did not authorize anyone to access my Equifax credit report XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax did not do an investigation at all, I contacted all creditors and they stated that they had never access my file.
Consumer complaint received 2019-03-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I got charged a XXXX dollar return fee in XXXX. Because Bank of America approved a big transaction which is XXXX to make my account become negative status. But when I opened that account. I already choose close overdraft function which is no one can take my deposit if my deposit not enough to withdraw. So I called Bank of America rep. They said they will waived that fee because this is my first time. But I need to deposit enough money to make account has enough money. It is weekend. I can not transfer that money during the money. So I called them next week during business day which has enough money in my account. But their manager XXXX is very rude to me. She changed her mind. She said she can not refund the fee for me. They promised they can refund my money. They should honor it. If they did bait and switch every time. How can they let customer trust them in the funture.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX