davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-16
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY (NJ)

I have a bankruptcy that was XXXX in XXXX. I purchased a house after the bankruptcy. When I tried to refinance my home I found out that Wells Fargo put a lien ( XXXX XXXX # XXXX ) on my home for a debt dated XX/XX/XXXX. This debt was included in my bankruptcy. In the letter, I gave them this information and request for them to remove the lien. A few weeks later I receive a letter stating they were working on it. On XX/XX/XXXX I received a call from XXXX XXXX ext XXXX, stating they could not find the lien and did I have any more information and I could fax it to her. I faxed her the paperwork from the title co. a copy of the judgment indicating the case and docket #. On XXXX I received another letter to contact XXXX ( no last name was given at XXXX. I called the # over 20 times in 2 days and it keeps ringing busy. so I called XXXX back and left her a message and faxed her a note stating such she never responded. I feel like I'm getting the runaround. Its been over 30 days since I started this process and I'm still at the 1st step and now no one is responding to me
Consumer complaint received 2021-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

I have two unauthorized purchase on my Citibank Credit Card at XXXX XXXX. When I contacted Citibank I was transferred to their fraud department and I was told that since I do business with Home depot using my XXXXXXXX XXXX card, I made the purchases and I have to pay for them or I am to take the items back to XXXX XXXX for a refund. I told them I did not made the purchases and I have no items to take back, so how are they telling me that I must go and get a refund. I was told to pay a {$35.00} min payment on XX/XX/21 so that I would not have to pay a late fee and the and {$35.00} min payment will be credited back to my account and the fraud transactions will be credited back to my account. That did not happen. I called again on XX/XX/21 and spoke to XXXX, XXXX and XXXX who told me that the case is closed and I have to pay for the items. I am the only person that have access to my card. The cancelled card is still in my possession and I was sent a new card. If the transaction were mine, why would Citibank send me a new card? After several attempts and no resolution, I told them that I will not be paying any more money on this account because I did not made those purchases and I am a victim of fraud, and I am going to dispute the transaction when they send my account to the credit bureau for nonpayment and provide my evidence that I was at work when the in store transactions took place. I go to lunch from XXXXXXXX XXXX., I have to log in and out, and the transaction was made at XXXX per email message received. All calls are recorded and I am requesting that those calls be looked into. I am also attached a letter from my office manager to verify that I was at work along with a copy of the email.
Consumer complaint received 2021-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Credit Technology, Inc. (NJ)

Since XX/XX/2020 This Company has done 4 hard inquiries a month on my credit report for over a year. The company is a mortgage company. I never applied with this mortgage company or given them my information. I never had affiliations with this company and do not know how they received my information.
Consumer complaint received 2021-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Io, Inc. (VA)

Notice, it is a fact, I, the affiant is a consumer and has the right to privacy in accordance with 15 U.S.Code 1692 ( a ). Notice, it is a fact, pursuant to 15 U.S.Code 1692a ( 4 ), the term creditor means any person who extends credit creating the debt. I extended the credit which makes me the original creditor in fact. Notice, it is a fact, affiant is aware that the amount specified by the original contract is different from what RECEIVABLES MANAGEMENT is attempting to collect. There is no prior contract which authorizes them to collect the amount, shown in Exhibit ( A ), that RECEIVABLES MANAGEMENT is attempting to collect and no part of the contract expressly authorized the collection of this amount. This is a violation of 15 U.S.Code 1692f ( 1 ). Notice, it is a fact, affiant is aware a consumer reporting agency may furnish a consumer report in accordance with the written instructions from the consumer to whom it relates. Please provide the written instructions that I, the consumer gave to { Name of CRA } which has authorized this furnished account. If you can not provide me with these instructions written by me prior to this notice this has been a fraudulently made consumer report using my identifying information. Exhibit ( A ) shows proof of 15 U.S.Code 1681b ( a ) ( 2 ) being violated by XXXX, which constitutes aggravated identity theft in accordance with 18 U.S.Code 1028A. The account, RECEIVABLES MANAGEMENT must be removed. Notice, it is a fact, affiant is aware pursuant to 15 U.S.Code 1692k ( a ) ( 1 ) allows civil liability rewards for any damages, which may include stress, harassment, anxiety, mental anguish, and other damages all caused by violations of FDCPA due to RECEIVABLES MANAGEMENTs abusive and deceptive business practices. Notice, it is a fact, affiant is aware, If judgement is made against RECEIVABLES MANAGEMENT I, the affiant, can and will pursue class action for the amount of XXXX to 1 % of your company in accordance with 15 U.S.Code 1692k ( a ) ( 2 ) ( B ). I DEMAND these items be removed from my consumer reports immediately.
Consumer complaint received 2022-08-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

As you can see from the attached copy # XXXX, when I draw from my Debit card {$900.00} on XX/XX/XXXX because of the bank closure in my area ( XXXX, NY ), I got a piece of receipt which says, the remaining available balance was {$57.00}, after a transaction I made {$100.00}, {$28.00}, and {$1.00} on the same date. To justify my word, just look at the attached copy # XXXX above the highlighted date balance of XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX even I didn't do any transaction at this date. Since then the problem started. Just by assuming this balance, I had a transaction {$52.00} on XX/XX/XXXX to close my account by leaving XXXX for their statement charge. I assume that they closed their door and no ATM machine around, so closed by drawing my money. After all this date till to date XX/XX/XXXX, they charge my account XXXX for which I don't have any idea in the fancy name of service charge, overdraft fee, monthly maintenance fee.
Consumer complaint received 2022-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-12-27
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. (GA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-12-27
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (AR)

The company states the I owe a debt. The account needs to be verified. I don't want a statement. I want my contract with this company for the account with my wet signature and the company 's signature. I want the services that I had with this company, and I also want to know if this company is a third-party debt collector. I have already filed a complaint with the Attorney General and the FTC. Pursuant to 18 USC 8 & HJR 192 of 1933 it's the US obligation. The account has several different dates on my credit report, and they are also reporting to all three CRA 's and I want them to delete the account from my report. I DO NOT give my consent to this company to report anything on my credit report
Consumer complaint received 2021-12-27
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. ()

When I checked my credit report I noticed that there is duplicated hard inquiries on my Equifax report, please remove duplicated inquiries below 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
Consumer complaint received 2021-12-26
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. (RI)

Willful neglect and intent to report fraudulent activity and reporting. Car was stolen, contract breached and refusal to return, upon phone call with XXXX to state such, manager XXXX XXXX reported involuntarily while noting in writing and verbal and written verification by other company employees, himself, and by PI, car was voluntarily given, and further refused to return as such reported to MA XXXX, and was mad and knowingly reported false information with intent to harm consumer. Deceptive Practice and Theft has been filed XXXX XXXX, XXXX, XXXX XXXX XXXX. Video, written and verbal documents available. Attempted to recover vehicle with full past due payment per XXXX written email and well within my loan agreement and was told by XXXX XXXX " i am the bank and make my own rules '', and I stated I would report fraud and file further complaint and as a retaliatory and discriminatory action, immediately filed falsely with credit agencies. all is documented by written correspondence, and recorded phone calls. I have video tape of myself and repo company individual whom I spoke with for XXXX mins in front of my home and clearly you can see me hand over my keys. As such XXXX, XXXX and XXXX XXXX XXXX were and are aware of. XXXX XXXX further harassed me and denied return of my vehicle per agreement, and per written documentation by consumer and therefore stole my vehicle and subjected me to further hardships by discriminatory and retaliatory behavior. Further documents available
Consumer complaint received 2019-10-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (PA)

I have two promotional balances on my credit card which I have made numerouspayments toward, but the balances are not where they should be. I have called Best Buy at least a dozen times since XX/XX/XXXX to try to resolve this, but they are not allocating my payments properly. I have paid {$3200.00} since XX/XX/XXXX and my minimum payments have been {$430.00} from XX/XX/XXXX through XX/XX/XXXX, leaving {$2800.00} to go toward my promotional balances, as I have requested over and over. The supervisor I spoke with last week finally managed to wipe out my first promotional balance of {$2200.00}. But, there is still a balance on my second one of  {$860.00}. The beginning promotional balance on that was {$890.00}, so my new balance should be {$340.00} after all the payments I've made, but Best Buy does not agree with me and says they will review it AGAIN. Also, the website is now showing my second promotional BEGINNING balance to be higher than it was. They have changed it from {$890.00} to {$960.00}. This is WRONG. I am attaching my statements supporting my promotional balance info, my payment info and minimum payment info. My XX/XX/XXXX statement with XX/XX/XXXX payment of {$200.00} is not yet available to send. I'm also attaching a screen shot of the change to my promotional balance from XXXX to XXXX.
Consumer complaint received 2021-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

The Collection Agency XXXX XXXX, Original Creditor XXXX XXXX XXXX, along with Equifax Information Services and XXXX are reporting erroneous and inaccurate information on my credit files. This account has already been deleted from XXXX as they were willing to do what was right in adhering to my rights as a consumer, but the collection agency and the above-mentioned credit bureaus have failed.
Consumer complaint received 2021-12-26
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. (GA)

I have attempted countless times over the past year to have inaccurate and misleading information removed from my credit reports. My latest attempt I again mailed disputes and demand to have inaccurate information removed from all three credit reporting agencies XX/XX/2021. I mailed copies of my identification ( drivers license social security card and proof of address ) along with my dispute letter AND proof that my personal information had been compromised ( Equifax data breach proof and claim filed ) sent certified mail by USPS. I have fraud alerts and freezes on all three reports to indicate that I have been the victim of identity theft.This was again to no avail. According to the FCRA sec 601c inaccurate information must be verified or removed if no proof of account ownership found. I have complied with the law yet Equifax, XXXX, and XXXX dont appear to even care about following the laws set before them. Not once in a year have I received any proof of ownership of the accounts that I am being held liable that are not mine. I have submitted proof several times over. They also claim to have directly verified a XXXX XXXX bankruptcy from the source however I have contacted the courts and advised the Northern District Georgia courts do not and will not verify bankruptcy information with anyone or any agency via telephone. I have yet to have this proof in writing as the law states I am entitled. I will not rest until these incorrect and misleading accounts and reporting practices are corrected and removed at once. I know my rights under the fcra and not only are the credit agencies liable but you all will be as well for allowing continuous illegal reporting practices. I have sought legal counsel at this juncture. I do not deserve to have to suffer a life or being non credit worthy based off laziness and incompetence from those responsible for relaying correct information.
Consumer complaint received 2022-09-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (CA)

This issue was already outlined in complaint XXXX and Affirm has failed to resolve it or adequately respond. 

Affirm has issues in billing my bank account where it fails to remove the money despite more than sufficient funds ( documented via bank statements in complaint XXXX ). These occur at random intervals and, as outlined in Complaint XXXX, sometimes funds were removed and then Affirm claimed to never have received them. Follow ups to Affirm customer service yield only scripted responses where Affirm never acknowledges the issue or provides any path to resolution. When I request phone support Affirm offers it and then never follows up with a call as promised. Affirm provides no other methods to get in touch with support. I have spent many hours attempting to resolve this to no avil. 

Affirm has made it impossible to pay back this loan as they will not take payment from my bank account or work to resolve it. Affirm is now threatening to send the loan to collections, despite this error being solely on their end and their lack of any real attempt to resolve the issue.
Consumer complaint received 2022-08-24
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. (OH)

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-02
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (TX)

This is in regards to my Chase visa credit card. I have been a customer of Chase Bank upward of 30 years. I found out a transaction at XXXX was being declined {$200.00}. Just prior to that I had made XXXX payment from my same account and login where I have checking account ( I have checking/saving/credit card all at Chase..same website ). still declined. So I called Chase card..two operators one after another the pinnacle of rudeness and unhelpful attitude..I kept requesting that the hold be removed. The holier than thou and condescending attitude displayed by specially this lady account manager who upon asking 8 or 9 times by me connect me to a supervisor completely ignored me and was being hostile and extremely offensive and rude.Noteworthy I had made XXXX payment just in the prior month..instead of being appreciative they treated me worse than a deadbeat.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (VA)

Community Loan Servicing, ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, FL XXXX ), phone XXXX, had our mortgage over a period of time and it was a complete nightmare. I was constantly calling to have late charges removed because they were added to our monthly statements and the account was never late. They continuously tried to say they did not receive my payment on time when I have the cancelled checks to prove it was received timely. They attempted to add extra homeowners insurance to my mortgage several times ( when they had proof and a copy of the policy I have through XXXX XXXX for over 20 years ) and the insurance had never escrowed in from the beginning of the loan. They changed the owner of the loan from my name to the estate of.. my deceased father, and I could not get anyone to help or even talk to me about the loan. The loan has been in my name from the beginning, so not sure what happened or why they changed it. Im still trying to reach someone there that will actually help me to get things straightened out even now after they have sold our loan to another servicer. This loan with Community Loan Servicing is showing still open and late on my credit report to this day and is ruining my credit. Ive been trying to resolve this for months to no avail. Its time to get an attorney involved if this can not be resolved within the next 5 business days.
Consumer complaint received 2021-10-16
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: EQUIFAX, INC. (PA)

A dispute and FTC report was submitted for a fraudulent account and hard inquiries on my credit reports. 

Equifax account : XXXX {$7300.00} Hard inquiries : XXXX - XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  Fin XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax - XXXX XXXX XXXX  XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-06-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (VA)

I fell behind in my payments and made a payment arrangement where I was making payments on time. Best Buy charged off the account and sent the account to a collection agency known as XXXX even though I was making regular payments. The charge off is hurting my credit and the wrong amount is being reported. I have been and is still making regular payments.
Consumer complaint received 2022-08-02
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights. 


Account Name : XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXXt # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX Account Name XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX XXXXXXXX Account # XXXX Account XXXX XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  Account # XXXX 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 a account without my written instructions.