davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

I recently fell victim to identity theft and discovered that the thief had racked up a significant amount of debt in my name. After contacting the credit collection services, I learned that the debt was wrongfully assigned to me. I have been working diligently to retrieve the debt and clear my name.
Consumer complaint received 2023-06-13
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: BARCLAYS BANK DELAWARE (IL)

REGARDING CASE # : XXXX PURPOSE OF THIS LETTER : I would like to appeal against the decision Barclays has made regarding my Fraud Case to restore {$1300.00} of Fraudulent charges to my account XXXX account. Decision enclosed. 
BACKGROUND : On XX/XX/, I purchased {$1300.00} of XXXX  Gift Cards using Barclays card XXXX believing that if I used them to pay my XXXX bill, I would get a discount on my next six months of Internet payments. The offer came through my XXXX, and the return number was XXXX. The people who answered the call identified themselves as XXXX and transferred me up a chain of representatives. This is not different from other promotional offers I previously received from XXXX regarding cable subscriptions. After I purchased the cards, I called the supposed XXXX rep with the numbers toward my bill. I never put these cards to personal use. A XXXX  of the XX/XX/XXXX XXXX is enclosed, along with another one that I received on XX/XX/XXXX. The receipts and cards are enclosed. 
ACTIONS UPON REALIZING I WAS DEFRAUDED : 1. I immediately went online to block purchases with card XXXX, reported the fraud to Barclays, and received a new card XXXX. As the Barclays customer service representatives requested, I took the further actions below : 2. I immediately reported the fraud to XXXX, which opened Case # XXXX. I uploaded scans of the backs and fronts of the cards as they requested and handwrote the Case # on the receipts ( scans enclosed ). I was told over the phone that I got to them soon enough, so the numbers were not activated. 
3. I reported the fraud to the XXXX XXXX XXXX XXXX Police Department. XXXX XXXX XXXX called me back the next day and opened Case # XXXX. Report enclosed. 
REQUEST : Among the reasons I use my Barclays card is to be protected against incidents of fraud. As you can see from the Actions above, I did as I was told by Barclays and made every effort to protect Barclays and XXXX from the fraudulent charges. In return, I would expect not be held responsible for the fraudulent charges and the credit be restored to my account. Many thanks for your consideration.
Consumer complaint received 2023-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Pulled my credit attempting to purchase a home and found a number of incorrect accounts on my report the XXXX refuses to remove. not mine and fraud accounts my address should be XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX only wrong address are XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX, XXXX CO XXXX Fraud Accounts are the following : XXXX XXXX XXXX Account # XXXX Amount- {$400.00} XXXX XXXX XXXX XXXX  Account XXXX XXXX Amount- {$630.00} XXXX XXXX  XXXX Account XXXX XXXX Amount- {$1000.00} XXXX XXXX Account XXXX XXXX XXXX {$630.00} XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX Account # XXXX Amount- {$9000.00}
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (CA)

I was never late. Attached is the proof of deferment and approved. And also XXXXXXXX XXXX XXXXXXXX, the collateral car got totalled due to being hit while its parked. Insurance paid them off. The paid off date shouldnt be XX/XX/XXXX. And the company and insurance communicated about this.
Consumer complaint received 2023-07-14
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc (OH)

The card is under spot me the card has a XXXX limit of credit for overdraft it is offered for XXXX but I found out you got to earn the the money the reason why I am contacting the cfpb for Friday is because the card is under too many transaction for overdraft limit the card is XXXX and the limit was reached but I'm sure that I don't make the authorizations to the app instecart. And what is wrong is it has a bunch of charges made past the spot me limit and wasn't made by me at all. The same day I had other instecart charges. Probably made by hearing my card number hooked to a psych tenny spunge. From a XXXX XXXX I hear old men and feel different stuff set up by the hospital. And my card was deactivated by a representative acting rhetorical to the dispute for having to make the dispute. And shut down the card. For instance the way he acted was hearing suspicious. For controll of the card. To send it back through the mail. A chime visa card.
Consumer complaint received 2024-10-15
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV INC. (CA)

Hello to whom this may concern, On XX/XX/year> I was finally able to get in contact with EDD regarding my funds .EDD let me know that money was sent to Money Network XXXX XX/XX/year>. I was under they impression that I would be receiving a XXXX  XXXX XXXX card. I waited and waited. Today on XX/XX/XXXX I was spoke to a money network associate, they informed me that my money was taken off my card and a email and pin was created. I have no access to the email so money network asked for the deposit amount on my account, I disclosed that information. Money network informed me {$12000.00} was taken from my account with 6 transactions and money was sent to a persons bank account that I do not know and also money was taken from an atm in XXXX. I do not live in that area nor do I know who the money was transferred too. I have made a dispute with Money network regarding this issue, I also have informed money network to not mail anything to the address on file, I gave them a separate address. I can not trust the address on file, because someone had to have access to the mail box to do this.
Consumer complaint received 2023-06-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (GA)

My Home Equity Line of Credit was initially opened in 2007 with Wachovia Bank, N.A. for {$100000.00}. I have been told that the initial payments were considered interest only. 

Monthly payments made timely have not been applied to the principal. Each monthly payment is applied to finance charges only. No matter the amount paid, the payment is only applied to finance charges for the exact amount paid. 

Ex : {$600.00} payment Finance Charge- {$600.00} {$350.00} payment Finance Charge- {$300.00} The PRINCIPAL amount has remained at {$97000.00}. I have been paying on this HELOC for ten years and the principal balance is still {$97000.00}. 

Wells Fargo has me making back payments from XXXX to the present because they were considered partial payments and yet the total monthly payment due balance keeps increasing and the principal balance remains {$97000.00}. 

In ten years, Wells Fargo has never paid the real estate taxes on my property but this year they did after I had already paid them. I have submitted a letter of error for Property Charges and Fees with documentation of the errors but to no avail. 

I have financed and paid off a mortgage and financed and paid off cars. I have never experienced monthly payments only being paid to finance charges for the exact amount of each payment and not applied to the principal balance.
Consumer complaint received 2024-10-14
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. (FL)

Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting mi ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-14
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. (FL)

Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting mi ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX )
Consumer complaint received 2023-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXXXX/XX/XXXX, SERIAL # XXXX has violated my rights. 

1 5 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Consumer complaint received 2023-06-26
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. (KS)

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under several U.S. Codes 15 U.S.C 1681 Section 602 A. States I have the right to my privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions 31 U.S. Code 3123 - States I as an Original Creditor, and consumer don't owe debt, Payment of obligations and interest on the " public debt ''. The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter.
Consumer complaint received 2024-10-14
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. (CA)

I am writing to dispute inaccurate information that is currently listed on my credit report. As per the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ), it is mandated that all information on my credit report must be 100 % accurate across ALL THREE CREDIT REPORTING AGENCIES. The information in question is related to the following account : Account Name : XXXX Account Number : XXXX Upon reviewing my credit report, I have identified several inaccuracies in this account 's reporting. Specifically, there is an incorrect late payment reported for XX/XX/year>. I have consistently made on-time payments for this account, and the reported late payment is inaccurate. 
Due to this inaccuracy, I am formally requesting that the information be corrected to accurately reflect that all payments were made on time. If this information can not be verified as accurate, I request that it be updated to reflect timely payments as required by law.
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (MD)

HISTORY OF COMPLAINT - ON XX/XX/2023 I MAILED A PROMISSORY NOTE TOO XXXX XXXX XXXX XXXX XXXX XXXX TRUIST BANK. ATTENTION CFO XXXX XXXX BY U.S. POSTAL MAIL RETURN SIGNATURE PROCESS. THE PROMISSORY NOTE ARRIVED ON THE XXXX OF XX/XX/XXXX  AND WAS SIGNED. THE CONTRACT IS NOW OPERATIVE AS OF XX/XX/XXXX. XXXX  TRUIST BANK IS HOLDER IN DUE COURSE OVER THE NOTE. I HAD ASK THAT TRUIST BANK ACCREDIT MY BUSINESS ACCOUNT, BECAUSE MY BUSINESS NEEDED THESE FUNDS FOR MASS MARKETING, HIRING OF KEY EMPLOYEES, TRANSPORTATION. FIRST TRUIST BANKS HAD TWO EMPLOYEES SAY THEY NEVER RECEIVED THE PROMISSORY NOTE ALTHOUGH A TRUIST EMPLOYEE SIGNED FOR IT. THEN THEY HAD SEINOR VICE PRESIDENT XXXX XXXX OVER BUSINESS BANKING AT XXXX MADE ME BELIEVE THEY WHERE GOING TO ALLOW ME TO TAKE OUT A LOAN FOR THE AMOUNT OF THE PROMISSORY NOTE. THEN TRUIST BANK TURNED AROUND AND CLOSED MY BUSINESS ACCOUNT AND PERSONAL CHECKING ACCOUNT PERMENTLY ACCORDING TO THE LETTER THEY SENT OUT ON ABOUT XXXX XXXX. THEN ON ABOUT XX/XX/2023 SENT OUT A LETTER FOR {$440.00} FOR UNPAID CHARGE-OFFS. 
LEGAL MEMO- THIS PROMISSORY NOTE WAS PRESENTED AS A DEMAND DEPOSIT IN CONTRACT FORM TO TRUIST BANK AS AN EXCHANGEABLE ASSET TRUIST BANK ACTING AS PAYOR IN THE TRANSACTION. 
THIS PROMISSORY AGREEMENT TENDER LAWFULLY BY XXXX XXXX XXXX XXXX MANAGING PARTNER OF XXXX XXXX XXXX. ORIGINATOR OF THE FIRST PAYMENT ORDER IN THIS FUND, SHALL BE EVIDENCE AS A ASSET TO TRUIST BANK. ( UNIFORM COMMERCIAL CODE>3-108. PAYABLE ON DEMAND AT A DEFINITE TIME. 
BANKS ARE REQUIRED TO ADHERE TO GENERALLY ACCEPTED ACCOUNTING PRINCIPLES PURSUANT TO TITLE 12 CODE OF FEDERAL REGULATION 621.2 ( A ) ( 9 ) GAAP FOLLOWS AN ACCOUNTING CONVENTION THAT LIES AT THE HEART OF THE DOUBLE ENTRY BOOKEEPING SYSTEM, CALLED TH MATCHING PRINCIPLES. THIS PRINCIPLES WORKS AS FOLLOW, WHEN A FINANCIAL INSTITUTION ACCEPTS A PROMISSORY NOTE, DRAFT OR ANY OTHER SIMILIAR INSTRUMENT FROM CUSTOMER AND DEPOSITS OR RECORDS THE INSTRUMENTS AS A ASSET IT MUST RECORD OFFSETTING LIABILITIES WHICH REPRESENTS THE AMOUNTS THAT THE BANK OWES THE CUSTOMERS FUNDS ACCEPTED FROM CUSTOMERS. 
THE PROMISSORY NOTE ARTICLE # XXXX XXXX XXXX XXXX XXXX THE SIGNATURE CARD TRACKING # XXXX XXXX XXXX XXXX XXXX XXXX TRUIST BANK SHOULD HAVE TO SEND ME A CASHIER CHECK FOR XXXX XXXX THE AMOUNT OF THE PROMISSORY NOTE THEY LOST. LEGAL NOTE- UNIFORM COMMERCIAL CODE 4-103 SUBSECTION 5 : THE MEASURE OF DAMAGES WHICH OCCUR DUE TO A BANKS FAILURE TO EXERCISE ORDINARY CARE IN HANDLING AN ITEM, MAY RESULT IN OTHER DAMAGES SUFFERED BY THE PARTY AS CONSEQUENCE
Consumer complaint received 2023-07-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

As I had previously written, I continue to review my mortgage and the eventual foreclosure. After Wells Fargo sent me back the check for the XX/XX/XXXX mortgage payment and refused to accept further payments, I began to search for an expert in the field of mortgage fraud, which turned out to be XXXX XXXX, owner of XXXX XXXX. XXXX is well known to Wells Fargo. Please see the attached credentials. Soon after receiving her Mortgage Serving Analysis Report, I could not review the report at that time due to personal issues. 

Since my situation has now stabilized, I have completed the review of the report. For the very first time in Wells Fargos recent letter dated XX/XX/XXXX, they indicated that my payment problem which resulted in foreclosure was between XX/XX/XXXX and XX/XX/XXXX. They wrote as follows The account was referred to foreclosure on XX/XX/XXXX, at which time you were due for XX/XX/XXXX through XX/XX/XXXX payments. Attached is a copy of the report showing the dates I supposedly had a payment problem. As you can see, there was no payment problem, as my payments were current and were the correct amount. Wells Fargo posted my payments. You can see the dates on the report as well. Accordingly, there should not have been a foreclosure. This appears to be a deliberate mistake. 

When I discovered there was a consent order created for the purpose of settling errors and mistakes, I knew that what they did to me and my family was more than just a simple mistake. Since there is a pending consent order, Wells Fargo needs to make me whole and has to compensate me for the severe damage to me and my children within the context of the consent order. 

Files attached : Report pages 1-10, Credentials See report page 5 of 6.for payments XX/XX/XXXX to XX/XX/XXXX XXXX
Consumer complaint received 2023-06-13
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: National Credit Adjusters, LLC (GA)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Complaint against NCA for Harassment and Illegal Debt Collection Practices Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against NCA, a debt collection company, for engaging in harassment and illegal collection activities regarding a debt that I do not owe. Despite multiple attempts to rectify this matter, NCA continues to harass me and has refused to remove the erroneous information from my credit report. 

Below are the details of my complaint : Debt Collection Company : NCA Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX Summary of Complaint : Harassment : NCA has been incessantly contacting me through various means, including phone calls and letters, despite my repeated requests for them to cease all communication. I was even inappropriately served a lawsuit at my place of work as an intimidation tactic. Their aggressive tactics have caused significant distress and XXXX 

Illegal Collection Practices : NCA has been attempting to collect a debt that I do not owe. I have thoroughly reviewed my financial records, and there is no evidence of any outstanding debt associated with NCA or any entity they represent. Their actions are in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits the use of deceptive or abusive practices in debt collection. 

Erroneous Credit Reporting : Despite my diligent efforts to dispute the debt with XXXX, NCA continues to report the alleged debt on my credit report. This false information has severely impacted my creditworthiness and has hindered my ability to obtain credit or secure favorable interest rates. Moreover, upon conducting further research, I discovered that NCA is not even listed as an active business entity. 

I kindly request that you thoroughly investigate this matter and take appropriate actions against NCA for their unlawful activities. I also urge you to ensure the removal of this fraudulent debt from my credit report to restore my financial integrity. 

I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. Please keep me informed of any progress or actions taken regarding my complaint. Thank you for your dedication to protecting consumer rights. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have on my credit reports a XXXX XXXX, Ive never went by any other name than XXXX XXXX XXXX. I have been checking my credit reports and didnt know that i could have a false name removed off my account until now that i got woke. So for years this XXXX XXXX person has been on my account oblivious. To have it removed. I don't even know a XXXX XXXX
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Consumer complaint received 2024-10-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: TRUIST FINANCIAL CORPORATION (FL)

I took my check, letterhead from XXXX XXXX XXXX and supporting documents into the Truist branch on XXXX XXXX in XXXX XXXX XXXX and sought to execute a simple deposit as well as use that deposit to open a new account with Truist. Truist immediately flagged my account upon creation and has since withheld my check of almost {$3000.00}. I have gotten the run around every time I call the Truist Fraud Department and little to no explanation as to why this happened, how I can get a check mailed back to my address from the bank or anything. I informed the bank that if they did not rectify this situation immediately I would be taking my business elsewhere. My mother is a XXXX year veteran of the XXXX XXXX XXXX XXXX and is terminally ill and I am her primary caregiver. My entire family and I were recently devastated by XXXX XXXX here in Florida and this check was going towards helping us all get back on our feet and to begin piecing our lives back together. Thank you in advance for your time and efforts in this matter. 

XXXX XXXX