davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC (TX)

BMW FINANCIAL SERVICES/CREDIT Date Opened XX/XX/XXXX Balance {$51000.00} Status Voluntarily surrendered. {$4700.00} past due as of XX/XX/XXXX. 
Original Lease amount {$36000.00} The account was closed and was removed in XX/XX/XXXX, and reappeared in XX/XX/XXXX with inaccurate amounts owed. 

Company is in violation of in violation of the following codes ; US Code Title 15, 15 USC 1681a ( k ) ( 1 ), U.S. Code Title 15, Chapter 41, Subchapter III, U.S. Code 1692d - Harassment or abuse, U.S. Code Title 15, Chapter 41, Subchapter III. 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting and 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ).
Consumer complaint received 2021-09-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (GA)

CAPIO PARTNERS LLC at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX has been sending collection notice in the about of {$1400.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2022-09-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

Hello. On XX/XX/2022. I was scammed on XXXX by a user that claimed to make me a profit from XXXX leveraging. I was scammed for {$2200.00} in total from across three transactions through XXXX on the Wells Fargo app. I did this because I thought it was a good decision since I am in need of money in order to pay for College expenses. I have contacted my bank Wells Fargo about the situation. They have sent out three different transaction claims but have got back no money. They have also sent out three requests towards the other institution where my money got sent and currently awaiting a response.
Consumer complaint received 2018-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MO)

Reached out to company regarding a loan forgiveness program. Provided all requested documents. Company is stating that I need to provide documents in analtered format to qualify for the program. Already provided lawful documents according to application and have fax confirmation of transaction. Company is attempting to bypass paperwork and make me responsible for remaining student loan of XXXX, instead of forgiving loan according to the law. Additional fax confirmation sent on XX/XX/XXXX to XXXX XXXX of Missouri Attorney General Office to speak on consumers behalf - XXXX Nelnet.SSDI recipient and forwarded to Department of Justice Disability Rights Section/Intake Unit. Letter Dated XX/XX/XXXX Advises to reach out to DOJ ADA Information Line for any additionalconcerns, per XXXX XXXX, Director of Intake Unit, DIsability RIghts Secition - XXXX. Company is allowing a disparate impact to take place among disabled individuals due to their policy.
Consumer complaint received 2021-07-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (IN)

One deposit of {$800.00} and withdraw of {$900.00} by transfer on same day on XXXX XXXX. Followed by approximately {$870.00}. of debit charges of 20 items. 
I got an alert from US Bank that a duplicate charge of {$60.00} on my checking account. I immediately called the bank .I was transferred to a fraud investigator, who transferred me to a different investigator who asked for a list of the 20 items including the transfers and then stated that she was having trouble with her computer- so transferred me to different investigator who had me repeat the whole list of fraudulent activity on my account. 
The bank closed my debit card and issued a new card which I got on XXXX XXXX. 
At this time I have not gotten information about fraudulent activity. 
All the fraudulent activity took place in Washington and Oregon states, after small purchase from XXXX.
Consumer complaint received 2021-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I am in disagreement with the items listed which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies and Misleading False Reporting are highly injurious to my credit rating.

All was Disputed on XX/XX/2021 No was not Taken
Consumer complaint received 2021-07-04
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. (LA)

To whom it may concern, Pursuant to 15 U.S. Code 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 U.S. Code 1681 is the same as it is under 15 U.S. Code 1602 ( l ) which is the term credit card means any card, plate, coupon book or other device existing for the purpose of obtaining money, property, labor or services on credit. Notice, Congress said Any card. The credit card is my Social Security card.This is the credit card I used to originate every consumer credit transaction.It should be removed from My consumer report with all Consumer Reporting Agencies : ( Equifax, XXXX, and XXXX  ) pursuant to 15 U.S. Code 1681a ( 2 ) ( B ). As a federal protected Consumer I am demanding that you remove this Transaction from my Consumer report immediately with all the Consumer Reporting Agencies, as it is a violation of my rights as a federal Protected consumer under the title 15 chapter 41. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

I submitted information to this credit bureau in XX/XX/2019. I have yet to receive valid information confirming these accounts that were open fraudently. I dont know what else to do I can not afford an attorney to get this information handled any other way. The following accounts XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, the XX/XX/XXXX, and XXXX XXXX XXXX are all listed incorrectly on my credit report. Some of these accounts are 4 yrs old and are not factoring my credit as much but they shouldnt be on there at all.
Consumer complaint received 2018-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (IN)

I applied for a credit with Chase Bank twice once on XX/XX/2017 and XX/XX/2017. The bank is stating that my credit report may reflect a bankruptcy for the reason why the application is being denied. I called Chase Bank the first time back in XXXX asking for a reason from the representative and was told that she did not see a bankruptcy on my current credit file and she did not understand why I was been denied. I asked the representative if there was a department that could review my application for an answer and was told she was the department to correct the issue and the highest level to go. I think the bank is redlining certain customers in certain zip codes. I previously live in other zip codes and have credit cards from may banks.
Consumer complaint received 2021-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

My FICO score on XXXX is reporting a debt on my mortgage of : {$370000.00} On the other hand on the Wells Fargo website ( they are the administrators of my mortgage ) they report a debt of : {$350000.00}
Consumer complaint received 2022-09-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southern Financial Systems, Inc. (MS)

Good afternoon, I submitted a letter via the mail to the credit bureaus in regard to a medical debt in the amount of XXXX, Account number XXXX. The debt was paid directly to the creditor, however, Southern Financial XXXX is refusing to remove this debt. This is harming my credit ; I have my receipts and the letter from Southern Financial XXXX.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (NJ)

Problem with XXXX and ford motor credit. This dept is going to be XXXX XXXX XXXX, ford reopened my account without any given knowledge or reason. XXXX is treating this as a new debt, by stating the fact that i had one missed one payment this month. This action not only had lowered my credit score. But a loan credit card i have, called XXXX, cut me off from using it. The card is paid well and on time, XXXX  is another complaint. The Statius of this credit card changed when ford motor reopen the old loan, and then first missed payment reported. Can you please do something to correct this situation. Thank you
Consumer complaint received 2021-09-02
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. (NJ)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2022-09-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Bread Financial Holdings, Inc. (OH)

I opened the Bread savings account with {$100.00}. All I did was try to link my XXXX account so I could transfer funds. 

Next thing I know, the account was restricted. I sent in everything they requested, but they still would not unlock my account. I made MANY requests. 

I finally told them, in very simple tetms, that I want to close the account and get my very much needed {$100.00} back. No one will do this for me. Please help me.
Consumer complaint received 2021-07-01
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: U.S. BANCORP (FL)

Someone stole my identity and used my credit card to open a account online and withdrew money from my credit card and put in the account they opened. It is not my account they opened. The money taken out was $ XXXX $ XXXX {$400.00}. I did not take this money out. They put it in the fraudulent account ending in # XXXX. I do not have a personal account ending in that. 
The credit card company XXXX XXXX says I am responsible for this money. Thats so unfair. I did not withdraw this money and place it in this account.
Consumer complaint received 2018-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NE)

I was notified by a credit monitoring service that an address was reported to my Equifax credit profile. Its an address that Ive never resided at. Ever since the reported breach from Equifax Ive been having to file disputes for incorrect information being added to my credit profile with this company only.
Consumer complaint received 2021-02-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2018-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (MN)

I have opened a XXXX XXXX rewards card in XX/XX/2016. Since then it has been transferred to collections. The last two weeks I have called so many numbers its making my head spin, just to get transferred to another center. Ive called two different debt services who say they dont have it and that it has been sent back to XXXX. I have talked to MULTIPLE XXXX reps and i have gotten literally nowhere. I can not pay off my debt. They tell me its closed. Everything is closed. But still owed. I am in desperate need of help. Its not fair I can not pay it and make it right.
Consumer complaint received 2021-07-01
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: Navient Solutions, LLC. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2022-09-20
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: ENCORE CAPITAL GROUP INC. (CA)

Midland Credit Management have reported a collection which does not belong to me and they have re-aged the debt on credit reports to make it appear more recent. Midland have asserted the debt to me telephonically and have informed me that lawyers are in the process of filing a lawsuit, even though the statute of limitations has passed. Midland have asserted telephonically that the statute of limitations is 7 years and they can sue me for as long as they want. They have asserted telephonically that they can double the size of the debt when they choose to sue
Consumer complaint received 2018-02-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Machol & Johannes, LLC (OK)

Malchol and Johanson LLC Filed papers at the courthouse in my county threatening to sue. This was for a credit card from about 7 years ago. I set up a payment plan and made the first payment of {$100.00}. However in order to send them another payment they were supposed to send me a receipt that reflected the amount I paid. After several attempts to get a receipt, they still have failed to do so. Now theyve threatened me with my account is in default. After several calls today, still no reply.,
Consumer complaint received 2021-07-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

A total of {$1900.00} was billed to our current home address by a System, a debt collection agency working with XXXX. This has been happening for two months now, even though the debt is not mine. I have called in reporting the incident and have contacted by local police department.
Consumer complaint received 2021-07-01
Product: Credit card or prepaid card — Store credit 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. (CA)

Hello, Earlier this year ( XXXX or XXXX ) I ordered a replacement Home Depot Commerical Pro Account card because mine was broken from overuse. However, the replacement card never arrived ; instead I began seeing fraudulent charges appear on my card statements, for about {$10000.00}. I realized someone intercepted the mail and began to use the card fraudulently. 

Immediately upon receiving the statement with the fraudulent charges I called Home Depot Customer Support to report the charges. The call went very well, and I was told there was no problem, I would not be held responsible for the charges. 

However, since then I have received an *unending* flurry of letters and statements from Home Depot claiming I owe them for the charges. I have literally called their Security Operations Department 25 times since then to clear this up. Each time I call, the amount I supposedly owe changes ( sometimes it is a credit for thousands of dollars ), and each time I am told not to worry, it will all be cleared up. There have now been at least two separate investigations opened and closed regarding my card ( s ), which for some moronic reason Home Depot did not close upon first hearing about the fraud. However, I have never been allowed to speak directly to an investigator and despite multiple pleas they refuse to call me directly. 

The most recent call I made with them was XX/XX/2021. I recently began to make notes of my calls because I began to realize they may not ever resolve this and I will need a paper trail to protect myself. 

On Monday XX/XX/2021 I received a call from Citibank attempting to collect on behalf of Home Depot for a $ 3000+ outstanding amount I was told I owe them. I explained the situation to them, however they refused to communicate directly with Home Depot to clear this up saying they " can't do that ''. They made a note that the charges are fraud but could not assure me anything going forward.

This situation is like being in a horror movie, where no matter what I do, I just sink deeper into the Abyss. I had had my Home Depot card for 8 years and paid every month except ONE completely and on time, and since the fraud occurred I have done everything totally right to try and resolve the situation and protect myself. However nothing has helped and the situation has now devolved into a situation where I am literally being harrassed by this evil company and its bank on a weekly basis with letters and phone calls. In spite of all my actions and time spent on trying to clear this up it just continues to get worse and more frustrating. 

Above all I am terrified Home Depot/Citibank will ding my credit score, which is very serious to me and could lead to terrible financial consequences for me personally.
Consumer complaint received 2021-07-01
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)

XXXX, Equifax and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

I noticed my XXXX XXXX, XXXX WAS REMOVED FROM MY CREDIT REPORT AND HAS DROPED MY UTLIZATION SEEMS TO BE ON PUERPOSE BECUSES I NEVER CLOSED THIS ACCOUNT AND ITS IN GOOD STATDNING. 

MY XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX LAST XXXX XXXX ADRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX NC XXXX
Consumer complaint received 2018-02-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

My house is in foreclosure at this time Loancare send all my mortgage payments back. I usually paid my mortgage through XXXX XXXX. My payments from XX/XX/2017 got rejected and sent back to XXXX XXXX without any notice to me and been there ever since. I tried calling a few times to get help and had no luck am scare to lose my house.
Consumer complaint received 2021-07-01
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. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft )