davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Asset Management Outsourcing, Inc. (AL)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2024-03-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (MI)

I was called XXXX XX/XX/24, by " XXXX " from XXXX claiming to be wells fargo and stated, " Had I applied for an account at XXXX, yesterday, with wells fargo ''? 

I said " no '', she continued to ask personal questions and had my email and cell number. 

I requested a call back number and case number, for me to reach back to her. she carried on about that she could out provide. and then hung up I attempted to call the number back, answer machine " XXXX 's not available. '' just wanted to document and ensure no issues arise
Consumer complaint received 2024-03-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

on XX/XX/XXXX i have conducted the payment in the amount of XXXX USD from my account with XXXX XXXX  to account of my son XXXX XXXX with XXXX XXXXXXXX XXXX with value date XXXXJ.P.Morgan Chase Bank was an intermidiary bank/On XXXX XXXX XXXX  was designated under XXXX XXXX XXXX. Considering this, my payment was blocked by J.P.Morgan Chase. On XXXX i have received license XXXX authorising J.P.MORGAN CHASE Bank to process the transfer in accordance with original instructions. On XX/XX/XXXX i tried to contact J.P.Morgan Chase via XXXX from XXXX XXXX  informing them on the fact of the a.m licence and asking them to process the payment. Still, J.P Morgan Chase has not fill the payment. Thus XXXX XXXX can not receive money even having XXXX license
Consumer complaint received 2019-03-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MN)

Fifth Third Bank purchased my mortgage for a Florida condominium in XXXX of XXXX and started servicing my mortgage that month. In XXXX of XXXX, Fifth Third Bank unilaterally began deducting a monthly escrow amount of {$890.00} from my checking account to cover flood insurance. We already have coverage for flood insurance and have provided proof of this to Fifth Third Bank and over the past several months dating back to XXXX discussed this with multiple customer service representatives at Fifth Third Bank. They have acknowledged receipt of the insurance policy and verbally committed to return seven months of escrow payments that have been arbitrarily and capriciously deducted from my account. Instead of returning such escrow money, they simply continue to deduct it from my account. 

I want them to stop wrongfully deducting {$890.00} from my checking account on a monthly basis and return the {$6200.00} with interest.
Consumer complaint received 2016-06-08
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE (MD)

In XXXX 2015 USAirways ( Barclay Bank ) switched my credit card account to the XXXX XXXX card. With USAirways I had a {$99.00} companion ticket to fly. I tried to use it today and XXXX advised me that the companion ticket was no longer available as of XXXX 2015. My complaint is that I was never notified that the companion ticket was being cancelled and therefore did not get the opportunity to use it before it expired. I would like for XXXX XXXX credit card to honor the {$99.00} companion ticket.
Consumer complaint received 2021-11-04
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: TRUIST FINANCIAL CORPORATION (GA)

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. Accounts Opened Amount Social Security Admin XX/XX/XXXX {$32000.00} XXXX XXXX XX/XX/XXXX {$140.00} Hard Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

During the period of XX/XX/XXXX to early XX/XX/XXXX it was determined that I had become the victim of identity theft as someone was attempting to open a bank account using my information. Immediately I worked with Citi bank ( the only credit card company of which I had an active balance ) to review any outstanding charges. I also immediately demanded that my account assoiated with the then card endind in XXXX be terminated and a new card ending ending XXXX was issued to me. As part of this investigation I noticed an unrecognized amount of {$240.00} had been charged to my former CITI account ( ending XXXX ) on XX/XX/XXXX with a description of " XXXX '' from XXXX, FL. As of XX/XX/XXXX, I notified CITI bank that I had NOT made this purchase and that I was not at all aware of this Company. CITI then placed a " SECURITY CREDIT-ITEM UNDER INVESTIGATION '' credit on my new account for the {$240.00}. I have now received a letter from CITI dated XX/XX/XXXX stating the merchant provided them with my address as proof of purchase and, therefore, they threaten to re-charge this amount to my account. However, there has been no such purchase made, the entity/merchant name provided does not exist online nor on record search. I have also made sveral requests to receive an invoice copy of this purchase/charge to no avail as I have not received a response from CITI regarding my several requests. Obviously, I do not believe there is an invoice copy to send to me as I have not made a purchase with this merchant. A invoice ( proof of item purchase ) is demanded for payment to be considered.
Consumer complaint received 2019-03-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (NC)

This account was opened XX/XX/XXXX. It was paid off at the end of XX/XX/XXXX with certified funds from my closing attorney. They were notified it was going to be paid in full. It took weeks before my payment posted. They reported a 30 day late on a closed account.
Consumer complaint received 2022-07-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (HI)

On XX/XX/XXXX, I received a debt collection mail at my new address notifying me about a XXXX bill of {$3900.00} that I allegedly owed on XX/XX/XXXX. However, this letter, was dated XX/XX/XXXX. The debt collection company, Convergent Outsourcing , Inc., made it known that I had the option to dispute the debt. The debt collection letter states that " If you write to us by XX/XX/XXXX, we must stop collection on any amount you dispute until we send you information that shows you owe debt. '' On XX/XX/XXXX, I took that course of action and sent a debt verification letter via certified mail. According to USPS tracking, Convergent Outsourcing , Inc. should have received my letter on XX/XX/XXXX. 

Today is Thursday, XX/XX/XXXX. I have not received any response from Convergent Outsourcing , Inc. regarding debt validation. However, the collection information was sent to credit bureaus, which has damaged my credit score dramatically. Therefore, Convergent Outsourcing , Inc., has violated my rights and the terms of the FDCPA.
Consumer complaint received 2021-10-08
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: Go Capital Holdings, LLC (AL)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2022-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (WA)

A retirement and cash balance dispersed to me from Wells Fargo and I deposit to my Wells Fargo account at ATM and right away ATM available can used XXXX but then at branch processing they see a large check amount and employee right away placed a hold entirely of total amount for one week and did not follow the hold regulations for straight 7 days, I then right away call to phone bank for customer service and I explained to them no one can not help, then called branch manager at ATM where I make deposit, her name is XXXX and I explain to her, she responded to me that nothing she can do, come to she her on XX/XX/XXXX, she has to time for me, she and all employees from XXXX and XXXX XXXX branch is very bad customer service. No one in charge for XXXX branch, and I ask for district manager to respond that they not allow to provide names or contact information. Now my account being overdrawn and overdraft from my personal line of credit and credit card, I am so ungrateful the way they treated me and other customer. That why I am complaining hopefully they can do something about my account and clear my credit, and change the way Wells Fargo training .Now I need them to straight out and fix the problem for me pay me back all the fees plus my time is value and my compensation will provide.
Consumer complaint received 2020-11-25
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. (AR)

In XX/XX/XXXX I opened my credit card app to make to make another payment on my account and noticed that citi bank had decreased my limit by {$14000.00}. They did this without warning and it only came after I had paid off my full balance with them. I called citi bank immediately and they said they they get regular reports from the credit bureaus and that the reason that my card balance decreased was because of the high limit on my other cards. Well Ive already paid all my other credit cards off as well. This is wrong and definitely unfair. I believe citi only decreased my limit because I had fully paid them off and they were no longer going to make money from me by having all the interest payments
Consumer complaint received 2024-03-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK (MI)

Discover Bank has contentiously made negative marks on my credit account in regards to a account they no longer own. They have already stated in letter they gave account to XXXX XXXX XXXX a debt collection agency. When the debt was handled they reopened account and attempted to again charge me. I never gave them written or verbal permission to share my information with XXXX XXXX XXXX. They have errased all previews history of any payments and are attempting to collect inflated amount. When disputing they charge account more to further hurt score. Once they relinquished debt to XXXX XXXX XXXX they gave up rights to collect debt. In a attempt to pressure consumer they have contacted family at XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX and Also the new address of parents at XXXX XXXX. The have made gaining any credit impossible for 4 years as they continue to mark account as over limit. They again marked account as over limit this morning.
Consumer complaint received 2024-03-13
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: VW Credit, Inc (UT)

I paid vw credit {$3000.00} on the {$10000.00} I owed before they repossessed my car. Theyve sent me letters and Ive gotten calls from a debt collector saying I owe them {$9000.00}
Consumer complaint received 2022-07-14
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. (FL)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account XXXX XXXX In accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-08-12
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: ENOVA INTERNATIONAL, INC. (KY)

XX/XX/XXXX, I had three inquiries that I did not approve. 
XXXX XXXX XXXX Netcreidt/XXXX
Consumer complaint received 2024-02-09
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. (NY)

In accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
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: EQUIFAX, INC. (CA)

You are in violation of my rights under the FCRA and FDCPA. Pursuant to 1692j of title 15, written by congress, it is unlawful to design, compile, and furnish ANY form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of OR in an attempt to collect a debt such consumer allegedly owes. The debt collectors of these accounts listed below were unable to provide proper validation of these alleged accounts to me, so how is your company reporting this to my consumer report? Please provide in detail the procedures that were used in order to verify these alleged accounts. If you are unable to do so, these alleged accounts must be removed immediately, as under the Gramm-Leach-Bliley Act, 15 USC 6801, its is not only detrimental to me as a consumer, but an invasion of my privacy and these inaccurate accounts are harmful to my reputation as a consumer. It is unlaw to report any inaccurate information to my consumer report, as unverified information is identity theft and an act of constructive fraud. As written by congress the failure to comply with the removal of these inaccurate accounts makes you liable under section 1692k of title 15 and 1681n of title 15. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF ED/XXXX/XXXX XXXX U S DEPT OF ED/XXXX/XXXX  XXXX DEPT OF ED/XXXX  XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry :XX/XX/XXXXXXXX  XXXX  XXXX Inquiry : XX/XX/XXXX XXXX  XXXX  XXXX/XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX  Inquiry date : XX/XX/XXXX US SM BUS ADMIN ODA Inquiry date : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-04-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION (ME)

I am XXXX XXXX and my daughter ( who has power of attorney for me ) is helping me with this complaint. I have a Truist Credit Card and in XXXX of this year entered into a contract repayment agreement. I have made every scheduled payment as required. Everyday, sometimes twice a day, debt collectors from Truist call demanding over {$1000.00} to bring account current. When my daughter and I explain about the repayment agreement they claim they know nothing about it and demand the money. I have told them I have XXXX and this is very confusing to me to talk with my daughter, then they yell at her when she tries to explain the payment agreement. This next part is from XXXX XXXX XXXX, XXXX 's daughter, I believe Truist being aware of my father 's XXXX is using this to try to collect more money in violation of the payment agreement. XXXX XXXX at XXXX has been contacted many times about this situation and has done nothing. Today XXXX calls from Truist.
Consumer complaint received 2021-08-12
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CREDIT ACCEPTANCE CORPORATION (NC)

I sent CREDIT ACCEPTANCE CORPORATION a cease & desist letter and they are still communicating through a medium, to each consumer reporting agency, without my consent. XX/XX/2021 they received my first cease & desist letter but it's not being honored. So I am sending another one demanding to stop all forms of communication, XXXX  out the account, mail my car title, remove from each consumer reporting agency, and pay the invoice for the injuries. If this matter isn't handled, the next step is lawsuit.
Consumer complaint received 2016-10-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (KS)

XX/XX/2015, I was admitted to an emergency department. I had insurance and most of the visit was fully covered. I am currently ( still ) being charged by the physician group at the hospital, saying I owe them money. I followed up with my insurance company, who said I was covered and the reason the physician group was not reimbursed was because they missed the 90 day period to file the claim. They strongly recommended I not pay the bill, as I was covered through my insurance. 

I followed up with the collection company ( XXXX ) several times ( both calls and written statements ) and even had my insurance company call them while I was on the phone to explain the situation, but they still are sending me bills. Recently, I have been getting phone calls and written statements from another company, Transworld Systems Inc, who say they are looking into my account, but only are using the bills as a reference for the account, not the several written statements between myself, my insurance company, and the original debt collector. 

I am at my wits end with this. I have been dealing with these charges for over a year now, taking time away from work to call the collectors, my insurance provider, and attempting to get in touch with the physician group ( XXXX XXXX XXXX, which has n't been possible ). I feel completely taken advantage of. I feel like these debt collectors are ignoring the communications from my insurance provider saying the fault and charges do not lie with me, they lie with my provider 's negligence when reporting the charges. Please help.
Consumer complaint received 2017-03-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I modified my loan, i sent payment on the new loan per their request, not till much later did I discover Bank of America and the serving lender incorrectly applied two payments to the old loan. They now they claim I 'm 60 days late.
Consumer complaint received 2022-06-22
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: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting Act XXXX the following accounts has violated my rights. 
XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX XXXX  Account # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX. U.S. Bankruptcy XXXX XXXX Reference # XXXX XXXX. U.S. Bankruptcy XXXX XXXX Reference # XXXX 15 U.S.C. 1681 Section 604 A States : I have the right tp privacy.

13 U.S.C. 1681 Section A Section 2 : States a consumer reporting agency can not furnish accounts without my written instructions.
Consumer complaint received 2022-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION (TX)

I am a XXXX XXXX, in XXXX and XXXX I informed Navy Federal Credit Union of financial hardships of having a XXXX while XXXX to XXXX. My finances were really messed up and I wanted to utilize the hardship insurance that was combined with the credit card fee. Navy Federal refused to provide the assistance and charged over the mandatory 6 % interest cap for uniformed service members in a combat zone. I had a credit card and auto loan through this worthless cooperation and they lied and said they can't prove i paid insurance. Here it is XXXX and Navy Federal has me on a denial list because of the wrongful interest they charged that got the account up to $ XXXX. I paid what i could on the account and Navy feral failed to adhere to the SCRA and a contractual agreement for hardship which they charged for every month. If they can't prove i did or did not have hardship insurance how come they can lie and put multiple charge off claims. As a XXXX male with a low credit score back then i had to pay the insurance fee it wasn't optional... it is criminal to treat people that served this nation over 20 years like this. NFCU is a corrupt organization that takes advantage of XXXX servicemembers.
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have attached two accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the accounts with the inaccuracies.