davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo Home Mortgage set up an automatic draft to my checking account without my knowledge or consent. On XX/XX/2018, Wells Fargo Home Mortgage drafted my XXXX XXXX checking account # XXXX for {$700.00} without my approval or consent. In fact, it was noted that this was the result of an automatic draft being set up on mortgage account # XXXX. I have never set up an automated draft on any account for any reason. 
This unauthorized debit caused my checking account to be overdrawn by {$370.00}. Additionally, I have incurred overdraft charges due to this unauthorized draft in the amount of {$97.00}, with additional fees likely to be incurred as time passes without funds in the account. 
Wells Fargo has been contacted. Someone named XXXX assured me I would have my funds back in my checking account promptly. This has been over a week ago. Still no action has taken place despite my faxing statements and transaction history of the previously referenced checking account. 
Due to their fraudulent debit from my account and complete lack of action, I have not had money for gas, food, or other daily essentials. I have had to beg and borrow to keep going these last several days. This is an unacceptable practice and needs to be rectified immediately.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX SSN : XXXX XX/XX/year> To Whom It May Concern : I sent a request for an investigation under FRA 611 ( a ) to you in reference to the following account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS IS MY XXXX NOTICE REGARDING THESE FRAUDULENT ACCOUNTS You all have failed to reinvestigate these fraudulent accounts as you or required too I am hurt and confused to see I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. Ive been a victim of identity theft so there is no way you were able to verify anything. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Your company has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not DELETED from my report. Please do not " update '' or " verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & physical documentation to support the information that is being reported on my credit report via USPS mail. Screenshots will not suffice. Send my actual signature on a contract. As this debt is Not mine. I am asking for this verification because my credit score is important to me, and after learning of my identity being compromised I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do no send me a template letter in response to this request. I am in the process of planning a legal case, so I will need specific answers to the specific questions asked of you in this letter. I have faith that your establishment will do the right thing and truly investigate this matter and if you do not have proof the debt is valid which you will not because of identity theft then please DELETE the information. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 

Regards, XXXX XXXX
Consumer complaint received 2018-05-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Debt Recovery Solutions, LLC (VA)

I have had several notices from XXXX XXXX XXXX and XXXX XXXX ... each time they report on my credit they report different dates, amounts etc.. they have had several complaints of fraud and consumer complaints. 
I have continually tried to dispute their charges with no outcome and I demand proof of my responsibility of these accounts and the amount. 
XXXX XXXX XXXX & {$380.00} XXXX-the same amounts..be one can find my name on these accounts-and I had medaid coverage on the  dates reported ( which are different on every report ) .I continue to get bills from the with the content " this is a sale '' never again will we give this " sale '' - this is not a legitimate statement from a creditor.

XXXX XXXX-XX/XX/XXXX- XXXX.. & XX/XX/XXXX- $ XXXX-same situation always different dates amounts letters with different amounts owed-and I demand proof of theses accounts that contest I have responsibility for these accounts. 
XXXX XXXX sent me a bill with the name of the agent as name of my son? Last name is XXXX-and have accounts and amounts that are not the same again! 
Debt Recovery Solutions- sending me bills for a hospital in a different city and county I have not been in and that is not mine. 
I have not had any of these debts and they keep showing up over and over with new amounts on my credit.
Consumer complaint received 2018-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (CA)

MyXX/XX/XXXX bank statement shows payment withdrawn XX/XX/XXXX and have delivery confirmation that payment was delivered onXX/XX/XXXX. While I understand that a late fee is assessed ( included amount in payment ) the final monthly payment was made within same month and I should not have been reported as late to credit bureaus. I provided information to company but they have refused my documentation.
Consumer complaint received 2018-05-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CURO Intermediate Holdings (VA)

I took a loan out with Speedy cash for XXXX and I was told my payment was about XXXX a month and when I log into my account it shows this payment amount not due until XXXX, however I had to go to my credit union because they have pulled 3 payments for the month of XXXX and have tried several attempts to keep drafting payments in XXXX when on my account it states I am not due for a payment until XX/XX/XXXX. I have placed a dispute and a stop payment with my financial institution and have requested Speedy cash send me a balance bill being as I have no longer authorized them to pull from my checking account. The payments they pulled incorrectly caused me overdrafts fees from my financial institution as well. They have no actual location in the state I live in and it is nearly impossible to get in touch with someone to resolve the matter. I have not received the balance bill or even a call back in regards to my situation. I do not feel as though this company should be allowed to pull from my account when a payment is not due and was not authorized. They changed the payment amount from XXXX to XXXX for XXXX just to try and have it go through. I have already placed a stop payment on my account for any future transactions they try to do.
Consumer complaint received 2018-05-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY (LA)

XXXX {$340.00} American Express Serve An transaction was not authorized by because an error on a website. Call American Express and ask to a manager and my issue with the transaction was not taking care of and remains on hold.
Consumer complaint received 2018-05-11
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION (CA)

My name is XXXX XXXX and I own a certificate of deposit ( CD ) with BBVA Compass bank. This CD ( account number XXXX ) was due to mature on Friday XX/XX/XXXX. 

I was told by the bank previously that I could close this account on XX/XX/XXXX and access my funds on the same day. However, when I showed up in one of the bank 's branches on Friday XX/XX/XXXX, the bank could not close the account claiming that there was a lien on my account. After wasting an hour in the branch, the bank told me that they needed to remove the lien from the account before they could close the CD and give me the funds. 

This is an outrageous development since I have been counting on accessing my funds on XX/XX/XXXX,  but this bank has failed to provide me the funds I desperately need at this moment.
Consumer complaint received 2018-05-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

I have tried calling Sallie Mae to make over the phone payments but they say they can't take partial payments and that they don't have my account anymore but can't tell me who has it now. They want me to pay {$420.00} a month when I am unemployed due to having XXXX kids at home and the cost of daycare. I am in {$30000.00} debt because of this.
Consumer complaint received 2024-08-23
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. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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. 

Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Unauthorized inquiries 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 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I pulled a copy of my consumer report and noticed that TransUnion has nonmailable addresses on my report. The following addresses need to be removed from my consumer report : Non-mailable Addresses : XXXX. XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, DE XXXX Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of any and all authorization I, the consumer, may have given TransUnion written and unwritten, verbal and non-verbal.
Consumer complaint received 2024-08-29
Product: Credit reporting 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. (DE)

My credit report is showing a unauthorized inquiry from XXXX XXXX  on XXXX, this UNAUTHORIZED inquiry has affected my credit profile and is affecting me from using my credit. Under the FCRA specifically 15 U.S Code 1681 ( n ) I am entitled to protection against any unauthorized use of my personal information including inquiries into my credit report without my explicit permission. Persuant to 15 USC 1681 section 602 states I have a right to privacy this inquiry needs to be removed immediately.
Consumer complaint received 2018-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (IA)

I have a XXXX XXXX Credit card. I lost my job and was unable to pay. I tried setting up payment options was told that I had until XX/XX/XXXX before the account Charged off. I checked XXXX XXXX on the second week of XXXX and it stated that I was in a Charge Off status. I talked to a representative today XX/XX/XXXX and was told it didn't charge off until XX/XX/XXXX. So I have been mislead in when it would charge off and the fact that it has been reported since XXXX is incorrect and need a to be corrected.
Consumer complaint received 2018-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NJ)

In XX/XX/XXXX I was falling behind on my XXXX XXXX/XXXX XXXX credit card. I called the company and asked what did I have to do to bring my account current. They had told me that if I had pay {$200.00} today and set up automatic payment that it would bring my account to a current state. So this is exactly what I had done, I paid {$200.00} on XX/XX/XXXX and had automatically taken out payments. The account is now a XXXX because I had paid it off. My problem is that they are reporting multiple 120 day and 90 day lates, even though I made payments for those months. I had called the company multiple times and they told me to report it with the credit reporting agencies as a dispute, which I did. Each time they came back as verified, even though I sent in my bank statements and the VS statements showing I had made payments for those months. 
Then a month ago I had called XX/XX/XXXX instead of XXXX XXXX customer service and the lady I spoke to told me they would remove all of the lates from my credit report, that was over 30 days ago.
Consumer complaint received 2018-05-10
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Prosper Marketplace, Inc. (KS)

This company continues to make multiple phone calls within a day. I've reported this to them on multiple occasions and asked that it cease. They respond with an apology and then they tell me how many times they " see '' that they've called, yet it doesn't stop. Most recently on the following dates and times this year : XX/XX/XXXX, XXXX XXXX   ; XXXX XXXX, and XXXX XXXX On XX/XX/XXXX, XXXX XXXX, and XXXX XXXX On XX/XX/XXXX, XXXX XXXX and XXXX XXXX On XX/XX/XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX c.s.t. Generally, the first one/two calls they won't say anything and they disconnect the call and by the second/third call a collector is on the line and this goes on monthly. I've advised them that this is harrassment and they need to stop. I owe them approximately $ 3k inclusive of past due and late fees. I was paying on time until my car broke down twice in one week and other circumstances beyond my control causing a downward spiral pushing me further behind. I immediately contacted them asking for a payment program on multiple occasions to help me stay on track and they continuously refused assistance. They told me to pay what I could, which I was doing but at times a week after paying, here come the calls once again, and with the late fees and interest it became too much for me to handle. I continued to pay the minimum monthly payment which wasn't doing anything at all so they advised me on what they had to do as collectors.
Consumer complaint received 2018-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (ID)

A few years ago, I co-signed on a credit application with my daughter because her credit was terrible & she badly needed new tires. She has XXXX young children & needs her car to be in safe driving order. 
In approx. XX/XX/XXXX, XXXX XXXX / XXXX CAR CARE began reporting a credit card account with it to the 3 credit bureaus as having a late payment status in the amount of {$20.00}. Prior to that, in approx. XX/XX/XXXX, my daughter called the phone # on the credit card issued by Synchrony/XXXX & asked for the pay-off balance due. She gave the customer service rep her checking acct routing & account # with her bank & paid the pay-off amount in full over the phone during that conversation. 
My husband died last year, my mother has profound XXXX XXXX, & during the period in question I was not checking my credit score because I was involved with other more urgent personal issues & my credit score was not an issue with me. 
Eventually, I discovered that my score had gone down significantly. The only negative entry is from Synchrony/XXXX. My daughter called again & complained, two different times, but apparently they did not relent or admit that this is their error. If they did agree that they were in the wrong, they continue to report a late payment on my credit report. It grows at $ XXXX/month so has gone from {$20.00} to {$30.00}. 
We do not want to pay the {$30.00} that has since developed from the original {$20.00}, because this amounts to highway robbery! The company ought to have known the full pay-off amount when my daughter requested & paid it, there should not have been any straggler amount for the loan period or whatever their excuse is. I assume millions or hundreds of thousands of borrowers get trapped in the same inexcusable scenario. If we did pay it off, then the credit bureaus would take that as an admission that we were in the wrong & did indeed pay late, which is also unacceptable. 
I also do not understand why the 3 credit bureaus take a {$20.00} allegation & inflate it & treat it as though it were equivalent to an allegation that I had not paid {$20000.00} on time. 
I finally found time recently to dispute this matter with all 3 credit bureaus. I happened to learn recently that CFPB also handles this kind of issue, possibly more promptly & effectively. ( I LOVE CFPB and XXXX XXXX for pushing to get it started. ) So, please advise whether you can assist me!! Thank you!
Consumer complaint received 2018-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (WA)

On or about XX/XX/XXXX, my wife and I took out a loan from One Main financial in the amount of {$7500.00}. At all times until XX/XX/XXXX payments were made on time. On XX/XX/XXXXa bankruptcy was filed in the United States Bankruptcy Court of XXXX Washington. The case number was XXXX Both XXXX   and XXXX XXXX were included in the bankruptcy and One Main Financial was notified of the filing. Despite this, One Main continued to draft the monthly payment out of our account until XX/XX/XXXX. At that time, they were notified they were in breach of the bankruptcy automatic stay. On XX/XX/XXXX, the bankruptcy case was completed and a discharge order was issued.

On or aboutXX/XX/XXXX One Main Financial reported on both XXXX  and XXXX XXXX 's credit report that the account was 90 days past due and a balance was still owed. This is in clear violation of the bankruptcy discharge and is a violation of federal law.
Consumer complaint received 2018-05-11
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 (MD)

My name is XXXX XXXX and I am writing a complaint about Barclays XXXX   Rewards Card ending in XXXX.

OnXX/XX/XXXX I set up a repeat payment with Barclays Card for the amount of {$200.00} 3 days prior to the payment due date. ( Please attachment ) On XX/XX/XXXX I noticed the the payment had not been deducted from my account. I called and spoke with XXXX. He informed me that it would take 30 or more days for the repeat payment system to process and start. I asked him to take the money out so that I am not delinquent. He processed a {$200.00} payment on that day which was deducted from my bank account on XX/XX/XXXX. He also returned the late fee. ( See attachment ) On XX/XX/XXXXI noticed that {$440.00} was deducted from bank account for Barclay Cards. I called and spoke to XXXX who saw that the payment was set up for {$200.00} but could not explain why it deducted more. Then put me on hold and told me that they minimum payment was increased because the {$200.00} payment on XXXX XXXX  was not calculated. I asked to speak with a supervisor and got XXXX. She said that I selected minimum payment due instead of other amount, therefore, it deducted the what was due because the {$200.00} was not calculated. I told her that I have the print out that shows that I set up for other amount and specified only {$200.00}. XXXX  arrogantly tells me that the company can take out the amount they chose if there is a balance. I explained that I only gave them permission to remove {$200.00} and feel that anything above that is not agreed upon and therefore, should not be at their discretion since it is my bank account and my money. Also, the {$200.00} paid on XX/XX/XXXX was paid and late fee was removed in enough time to be deducted from the balance due but if it didn't deduct it, I only gave permission to remove {$200.00} from my account. XXXX   continued to argue the point that they have a right, therefore, I hung up.

I feel that the website fraudulently leads customers into thinking they are on a secure website and that the agreement made with the company is valid. However, they are now using my electronic permissions for a specific amount to freely decide what to deduct.
Consumer complaint received 2018-05-11
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (TX)

XXXX XXXX Store card as of XX/XX/2018 is showing on my credit report as charged off with a high balance of {$1300.00}. However this account has been sold to a collection agency which is attempting to collect on debt. I understand there is a balance owed on this account but I have not come to an agreement with the collection agency until its clarified what it is that I owe. I don't recall me ever reaching my credit limit and they have increased a balance for interest which is beyond what I am able to pay.