davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

Opened New Checking account with Wells Fargo branch in XXXX, NJ on! XXXX XX/XX/2021 and was issued Starter Checks. Individual named XXXX XXXX XXXX was named Successor Executor to my deceased sister 's final Will. I was named Executor. In the grip of grief heading to Indiana for my sister 's burial, the Successor Executor requested that I write her a check for {$5000.00}. I mistakenly complied not emotionally able to process why she had requested the check and needed an immediate explanation of why she asked for that sum of money. By the evening of XXXX XXXX, receiving No response from Ms. XXXX, I became leery that she was taking advantage of my grief to get her hands on my sister 's money and takeover the Executor responsibilities and I initiated a Stop Payment on the check I had written. 
I never heard from Ms. XXXX until Tuesday night when she called to express outrage that I had put a Stop Payment on the check, accused me of Fraud claiming I could ruin her Law Practice and demanding I free up the {$5000.00} the next morning, threatening to place a " Freeze '' on the account to prohibit any activity. Within two days, I checked my account balance to learn that someone had cashed the check with a Stop Payment. Immediately contacted Wells Fargo Fraud Customer, reported the failure of the Stop Payment to be honored and demanding the return of the funds to my account. Multiple Customer Service representatives passed me from one number after another, assigned two different fraud claim numbers and assured me the funds would be reinstated in a few days ; this never happened, even after I spoke with supervisory CS agents that assured me the funds would be restored. Not hearing anything from Wells Fargo for a week and noticed No Change in my account balance, I called with my Fraud Investigation Claim number and was told Wells Fargo I had decided to take No Further Action and to " work it out '' with the recipient of the check. I had a documented Stop Payment confirmation. This is not a customer 's fault : I need Wells Fargo to make this Right and return my {$5000.00}.
Consumer complaint received 2021-07-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: BARCLAYS BANK DELAWARE (OH)

On XXXX I submitted a CFPB complaint against Barclay Bank. Barclay 's promised to refund/waive the {$29.00} fee. This fee incurred due to one of my monthly auto-payment being deleted without my knowledge. The bank credited my card however to date has failed to refund the {$29.00} back to the same bank account where the funds originally came from. I provided feedback back to the bank that the funds needed to go back to the bank. They were unresponsive.
Consumer complaint received 2022-06-20
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: Experian Information Solutions Inc. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-07-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NY)

There are a lot of unauthorized transaction deductions on my TD bank checking account. I filed an objection with the bank. I contacted the merchant but it didnt work. The bank maliciously rejected my objection many times. I went to the police station to report the case number. After I gave the case number to TD Bank, they still maliciously rejected my objection again.THE POLICE CASE REPORT NUMBER IS XXXX
Consumer complaint received 2022-06-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/XXXX, I financed a XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX. On or about XX/XX/XXXX, my vehicle was involved in a car accident. I made all payments on time, as agreed prior to my car being involved in the car accident. I reached out to XXXX XXXX XXXX  and spoke to XXXX XXXX, a representative at XXXX XXXX XXXX. I advised XXXX that my car was in an accident and informed her that I was out of work due to this incident and will resume payments once the car was out of the shop, which was about 3 weeks from the incident. XXXX advised me to just let her know once the car was out of the shop. After 3 weeks, I received a call from the autobody shop that my car was ready to be picked up. 72 hours later, I arrived at the autobody shop to retrieve my vehicle and was told by a representative that my car had been repossessed. I called XXXX XXXX XXXX to inquire about why my car was stolen from the autobody shop and a representative stated that my car was repossessed due to my payments falling behind by 28 days. The representative informed me that I owed approximately {$520.00}, I then informed the rep that I would be making a payment for the past due amount the following week. I also asked the rep if it was possible to pay the past due amount and retrieve my vehicle. The rep informed me that she had to get approval from underwriting before they would relinquish my property. She advised me to make my payment on the following Wednesday, so she can get approval. She called me on that Wednesday, in which we both agreed to be in contact, and stated that underwriting denied my request to pay the past due balance and return my vehicle. She stated the full balance of the car would need to be paid, in order for me to get my car. I didn't have the full balance and XXXX XXXX XXXX was unwilling to work with me. 

Not only that, under Pennsylvania law, lenders must personally deliver a written notice or send one by certified mail that a vehicle has been repossessed by a lender. XXXX XXXX XXXX failed to provide me with the legally required notices after my vehicle was repossessed. Also, XXXX XXXX XXXX falsely reported a VOLUNTARY REPOSSESSION on my credit report, which is inaccurate because they involuntarily repossessed my vehicle. XXXX XXXX XXXX also failed to provide me with any notice prior to or after the sale of my vehicle. I also was not given an opportunity to retrieve my personal belongings from the vehicle after it was INVOLUNTARILY REPOSSESSED. I also did not receive any notice of surplus or deficiency. XXXX XXXX XXXX is also reporting a past due balance of {$14000.00} which is inaccurate. My auto contract was initiated with a balance of {$14000.00} and I was paying {$100.00} weekly. XXXX XXXX XXXX has violated me as a consumer and did not properly conduct a legal repossession. I am requesting this inaccurate account be removed from my credit file and will be seeking a consumer attorney to assist me with damages.
Consumer complaint received 2021-08-24
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2021-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tromberg, Morris & Parnters, PLLC (FL)

IM A CONSUMER OF THE UNITED STATES AND TROMBERG MORRIS POULIN PLLC IS A DEBT COLLECTOR ATTEMTIMG TO COLLECT A DEBT WHICH FALLS UNDER THE FDCPA. 
This collection company is trying to collect an alleged debt caused by identity theft, I have try to request for validation, ( Tromberg Morris Poulin PLLC or XXXX XXXX XXXX ) did NOT Provide me with what was requested by federal law, There claim of investigation of this matter is hearsay and you ( Tromberg Morris Poulin PLLC and XXXX XXXX ) are in DEFAULT of my affidavit of Truth and Cease and Desist. ( Please complete the full cease and desist requested information ) letter Attached. 
You ( Tromberg Morris Poulin PLLC ) a third party debt Collector, is in multiple violations of the FDCPA. Your sue against me regarding this alleged debt obligation are in direct violation 15 USC 1692c ( 13 ) " False '' representation or implication that documents are legal process '' As you Tromberg Morris/ Povin , PLLC are also in violation of 15 USC 1692c ( 3 ) ''The false representation or implication that any individual is an attorney ''. 
I will not stop til I get my remedy, Next complaint to the XXXX and the General Attorney
Consumer complaint received 2021-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IN)

On XX/XX/XXXX, I applied to XXXX XXXX XXXX XXXX XXXX for a VA Loan. At the time, I had a temporary freeze on my Equifax and XXXX reports, but not on XXXX. When they pulled the report, they were unable to access all three bureaus because of the temporary freeze. That day, I temporarily lifted the freeze on both XXXX  and Equifax thru XX/XX/XXXX and confirmed that there was no freeze on XXXX XXXXXXXX XXXX tried to pull my credit report the next day ( because they said they have to wait 24 hours ) and were only able to pull XXXX At the same time, XXXXXXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX  were able to access all three reports. On XX/XX/XXXX, I permanently removed the freeze at XXXX  and Equifax, before my temporary lift expired, and again confirmed that there was no freeze at XXXX I asked XXXXXXXX XXXX again to pull my reports. They continually say they can only pull XXXX On XX/XX/XXXX I asked them to have their Technology team make sure there wasn't an issue in their system preventing them from pulling the other two bureaus. On XX/XX/XXXX, they responded that their Technology team has verified that there is no problem with their system. As recently as today, XX/XX/XXXX, they say then can not pull the other two bureaus. On XX/XX/XXXX I called Equifax, who confirmed for me that my personal data is correct and that there is no freeze or block of any kind on my report. They stated that if XXXX XXXX  is entering my name in a manner differently from what they have on file, that could be the problem. I have been unable to reach anyone at XXXX or at XXXX XXXX to check the same info on my TransUnion report. I am currently being denied credit by XXXXXXXX XXXX on the sole basis on the one bureau they can pull, XXXX where my score for mortgage is showing as XXXX. XXXXXXXX XXXX says their threshold for approval is XXXX. Three of the lenders who have successfully pulled all three bureaus have confirmed that my median score is the XXXX score that XXXX can not access, at XXXX. Meaning my Equifax score is also higher. Because XXXXXXXX XXXX can not access two of the three bureaus, I am being wrongly denied credit that they have acknowledged I would qualify for based on my median score exceeding their threshold. XXXXXXXX XXXX has told me that because they have tried to pull three different times and only come up with the one score, they can not try to pull my full tri-merge report again.
Consumer complaint received 2021-07-19
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. (OK)

I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : XXXX, Experian, and XXXX. I have informed the consumer reporting agencies XXXX, Experian, and XXXX by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2021-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

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 2021-07-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2022-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

this is one of the account that I report as identity theft. I have attach a police report to this ..please delete this account. If not I will be force to sue all credit reporting agency... 

XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) Account XXXX XXXX
Consumer complaint received 2022-06-21
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. (CA)

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. 
XXXX XXXX XXXX XXXX {$270.00}, 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 consent
Consumer complaint received 2021-07-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (PA)

I have sent all three credit bureaus three level of dispute letters and contacted each creditor reporting inaccurate negative items on my credit report. Each time i have either no received a response or it came back verified without explanation on how it was verified and how did they prove it was my account to begin with. Both the creditors and Credit bureaus have been in complete violation of my rights writing in the Fair Credit Reporting Act and causing me to have a tough time obtaining knew credit. Below I will list each of the creditors that i have sent validation letters to and received nothing back. 
Credit Collection Service
Consumer complaint received 2022-05-26
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: Experian Information Solutions Inc. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2021-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (NY)

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 2021-07-18
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: Experian Information Solutions Inc. (MA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : Us SM BUS ADMIN ODA ( XX/XX/XXXX ). 
XXXX XXXX XX/XX/XXXX XXXX. 
XXXX XXXX XXXX XX/XX/XXXX XXXX. 
XXXX XXXX XXXX XX/XX/XXXX XXXX. 
I did not authorize anyone employed by these companies to inquire and view my credit report.This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights.Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation.In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2021-07-18
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (CA)

I had serval store credit cards with Comenity Bank with Balances no more than XXXX. because of covid 19, I had my work hours reduced last year around XX/XX/2020. I called the bank and got enrolled in a Hardship program wich they were collecting automatic payments from my checking account. around XXXX or XX/XX/2020 I received a letter saying that I failed to pay and got me off the program raising my accounts with late fees a higher balances they lied I never failed to pay they send me letters for each account. I called and talk to a customer service and explained what had happened and she said if I don't pay all the accounts will go to collections.
Consumer complaint received 2021-07-18
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. (OH)

Hello - I've been disputing items on my credit file since XXXX or perhaps even a little before then. I've been disputing for well over 3 years. At this point, I'm just about ready to litigate as TransUnion has been caught with not properly deleting negative items for which can not be verified. Per Comprehensive Credit Act of 2020, if there are no contracts tied to any of the items to one 's credit report, there should be no items listed. Perhaps they're receiving monetary gain or kickbacks for reporting items illegally. Section 401 of the Credit Act specifically states that no one should be in violation if certain requirements aren't met. There are no contracts tied to ant of these items because I never signed any. If they're stating the opposite, they have not turned any of these items over to me.

There are collection items, one was recently closed but it should be deleted. I don't even know where this bill came from. Is this a misfile with another agency? I have no idea. 

There's a Bankruptcy showing up illegally. XXXX  has spoken with my attorney and they were able to see to it that that was removed as we were ready to pursue litigation. 

TransUnion had the nerve to mail me a letter saying they refused to further dispute. I will not have it any longer. The attached items are things that remain on my credit file for which no contract exists. 

At this point, my attorney wanted me to gather sufficient evidence from our disputing over the years to prove that they are and have been in error. Prior to opening a lawsuit on them I was advised to submit one last dispute via your agency to prove lastly that we've been doing all we could to resolve matters. 

Please see attached items that remain in error. I should be receiving at least {$1000.00} per negative item that remains unlawfully. This should give me about {$7000.00} in total which is more expensive than them removing the items but it's their choice. It seems as though they made their choice. Once I submit my final dispute to your agency, I'll turn over to my attorney as I'm tired of how they're been treating me.