davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-27
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (TX)

Letter sernt via email to XXXX XXXX today, XXXX/XXXX/2016 As a consumer and a customer of Wells Fargo Bank, I am greatly disappointed that I have to forward this issue to the Chief Executive Officer of a major cooperation for the correction of a {$400.00} deposit. To many in your organization that may not be a lot of money, but as a retiree it is important to me. 

On XXXX XXXX, 2016 I submitted a check in the amount of {$400.00} to be deposited in the account referenced above at the XXXX XXXX Bank in XXXX Texas. However, I am being told that the image reader interpreted it as {$200.00}. I noticed the discrepancy on XXXX XXXX and called the bank. I spoke with XXXX XXXX who identified the discrepancy and assured me she was submitting the information for correction. XXXX XXXX also stated it would be corrected in a matter of 4 days. Well here we are on XXXX XXXX and it remains unresolved. 

I personally returned to the bank on XXXX XXXX and spoke with the Assistant to XXXX XXXX who stated he would follow-up if XXXX XXXX did not. I made XXXX subsequent telephone calls and again, I was told by XXXX XXXX it would be resolved by XXXX XXXX. I called again on the XXXX to state it had not been. No one has called me back. 

Yet, I can make an online transfer on the XXXX of XXXX from XXXX of my accounts to another and Wells Fargo processes it on the XXXX, and charges me over-draft fees. 

My expectations of responsiveness by Wells Fargo is quite low. So hopefully to ensure a timely response and resolution I am also sending this to the Consumer Financial Protection Bureau. I have been a customer with the bank for many years, going through several sells. I have multiple accounts with this bank. My loyalty and support appears not to be worthy of good customer service. In addition, community outreach needs improvement as well.
Consumer complaint received 2021-01-18
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. (AZ)

Noticed collection debt on my report, never received information therefore did not know I could dispute. On XX/XX/XXXX I sent a letter to the collection agency asking for validity of debt. I have documentation that they received the request on XX/XX/XXXX. I received a response from them on XX/XX/XXXX. However ; they did not provide all of the requested information needed to validate. i provided a list below of the requested information for which they did not provide ... 
- state license number -contract from original creditor -no payment history -no statue of limitations debt owed for my state -no proof they have the right to collect in my state -no contract between them and original creditor I responded on XX/XX/XXXX stating the above for which I have documentation that they received on XX/XX/XXXX. The Agency has not complied as of this date and they have advised the credit bureau to have it remain as per my dispute.
Consumer complaint received 2020-11-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Deposit a friend check in my account bank cash the check give friend the money now they say I owe them the money back. Bank said the only way to cash the check if it clears so i guess it cleared but want me to give money back. Bank sent me a letter said they took care of the problem but put it on my credit report
Consumer complaint received 2020-12-21
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. (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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-01-18
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: JPMORGAN CHASE & CO. (TX)

The following and attached is further proof of Chase card theft and abuse. On XX/XX/XXXX, I went in to the Sheriffs office to file the attached sheriffs theft / credit card abuse report against XXXX XXXX XXXX. In XX/XX/XXXX, a reward was offered for XXXX XXXX XXXX the same person in my sheriffs report and listed as XXXX Top Ten Most Wanted for another related incident. In XX/XX/XXXX, XXXX was arrested for False Pretenses and Forgery in XXXX XXXX Mississippi. See attached. When researching, I found much more including many civil lawsuits. XXXX XXXX XXXX is the same person referenced in my XX/XX/XXXX sheriffs report that stole from my desk in XX/XX/XXXX. She stole XXXXXX/XX/XXXX2 XX/XX/XXXXCards ending XXXX & XXXX, XXXX XXXX, Chase, my identification, and files including XXXX XXXX, XXXX XXXX XXXX Mobile Phone account, and file folder of login information with verification questions and passwords. I later became aware of two cars fraudulently purchased in my name. My office was completely destroyed in XX/XX/XXXX with 32 of water from Hurricane Harvey affecting me for years and still is affecting me. XXXX XXXX XXXX added herself to my accounts falsely pretending to be my wife and impersonation. The fraudulent bounced Chase One payments that allowed the credit limit to be wrongfully exceeded were not authorized nor due to my bank institution. It is obvious XXXX XXXX XXXX was a forger, credit card abuser, and guilty of false pretenses as evident in her arrests. My credit report information reflecting Chase is not correct.
Consumer complaint received 2020-10-27
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. (FL)

There's a woman by the name of XXXX XXXX who is now married and her name is now XXXX XXXX. She lives in XXXX Minnesota and she has been using my name in social security number to rent houses and apartments. I have tried several times since 2012 to reach out to this young lady and ask her to stop. Her only words to me was prove it. I have all the addresses which is attached with this complaint.
Consumer complaint received 2015-09-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

There are remnants of tax lien ( s ) that have been released still showing on my TransUnion credit report. XXXX did update and remove these ; " As of XX/XX/XXXX, you have no public records on your credit report. '' released liens ( released on XX/XX/XXXX ) but TransUnion has failed to do so as well, after successive requests to them requesting update/removal of these outdated derogatory entries.
Consumer complaint received 2016-07-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Reviewing annual credit report from Transunion - have submitted following errors - no response : 1. I am XXXX or XXXX XXXX XXXX not XXXX or XXXX XXXX XXXX 2. Never lived in XXXX XXXX, XXXX. - Lived in XXXX last 35 years. 
3. Have never had a tax lien filed against me - Docket # XXXX XXXX, XXXX 4. Do n't recall ever having credit with XXXX XXXX XXXX - Acct # XXXX XXXX. What does " promotional Opt-Out mean??? If this is a lock out please have it removed.
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

These are private loans that XXXX credit services has Been trying to collect, they sent a promissory note with the wrong drivers license, not with my full name, and on the signature part my name is typed. These private student loans that this company is trying to collect on I fraudulent, they were deemed fraudulent by the department of education, they have been removed from my credit bureau three times, this company has failed to validate this debt. I need it removed, besides all the information is wrong, this loan is fraudulent, it is out of the statue of limitations.
Consumer complaint received 2020-08-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

Today is XX/XX/2020 and I like a great many people in the United States am quaranteened at home due to Covid- 19. Unfortunately, the official medical narrative determines that I am a prime target of this deadly virus for multiple reasons. For these and other reasons I listen to our officials and take head of their warnings and concerns voluntarily for the protection of us all.

I have 30+ yrs of federal service and I have been devasted by this  pandemic financially, physically and emotionally as I have lost several loved ones already. I sent servicer Nationstar Mortgage LLC d/b/a Mr. Cooper not 1 but 2 requests for FORBEARANCES under the federal mandates of the " CARES ACT '' which was signed into law XX/XX/2020 Upon being notified by my own federal agency of their extreme delays in processing applications for benefits of up to 18 months, I requested the extended additional 180 day cares act forebearance. 
Nationstar Mortgage LLC d/b/a Mr. Cooper acting as servicer for Fannie Mae refused to even acknowledge the 1st written request sent months ago and only responded to the 2nd written request when it was sent through the CFPB complaint portal and the Courts.

In defiance of federal law, XXXX XXXX   directives, FHFA and the common good of this suffering nation Nationstar Mortgage LLC d/b/a Mr. Cooper finally sends a response that is not factual, unsupported by law ( CARES Act ) and contradicts the investors ( Fannie Mae 's guidance ) : 1. XXXX XXXX directs all Forbearance requests to be processed by the servicer ( accounts in Bankruptcy are reimbursed by XXXX XXXX for any notices the Servicers may be required to submit to the Court suspending payments for duration of forbearances. 
2. My written request has been sent to multiple ever changing counsels for Nationstar Mortgage LLC d/b/a Mr. Cooper and none have replied. There have been approx. 4 different firms in recent months. Another different lay firm is now claiming to represent this servicer in less than a month some law group out of the state of Florida. 
The acts of Nationstar Mortgage LLC d/b/a Mr. Cooper are deceptive, unfair and illegal. It would appear to any reasonable authority designed to escape compliance with federal law and the directives of the investors they claim to serve. There are a lot of uncertainties but being homeless with a minor child and a bad XXXX is not suppose to be one during this pandemic as we fight for our lives. 
Mr. Coopers representative stated the process of inputting a CARES ACT forbearance only takes 2 minutes why have I been going in circles with this valid written request for months and Nationstar Mortgage LLC d/b/a Mr. Cooper says that they have started the process.
Consumer complaint received 2023-03-13
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. (TX)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX Account number : XXXX XXXX XXXXXXXX Account number : XXXX XXXX  XXXX Account number : XXXX XXXX  XXXX Account number : XXXX  DEPTEDXXXX Account number : XXXX DEPTEDXXXX Account number : XXXX DEPTEDXXXX Account number : XXXX DEPTEDXXXX Account number : XXXX DEPTEDXXXX  Account number : XXXXXXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Account number : XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) Account number : XXXX XXXX Account number : XXXX XXXX XXXX  Account number : XXXXXXXX XXXX Account number : XXXXXXXX XXXX Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-10-28
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Advance America, Cash Advance Centers, Inc. (GA)

I checked my XXXX and XXXX credit report last week and noticed a " Alleged debt '' had been added by a collection agency by the name of " XXXX XXXX XXXX '' I was never sent a dunning letter about this debt which is a clear violation of the Fair Credit Reporting act. I can affirm that I have never received a dunning letter about this alleged debt. I demand for them to remove this account from my XXXX credit report immediately.
Consumer complaint received 2020-11-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C. (FL)

I contact Trident Asset on more than one occasion requesting information that it was me that open up the account I had sent them police reports, FTC report letting them know that someone opens up an account in my name fraudulently. Then sent me a letter stating that it was me that open it up and a bill. I never signed a contract with them, nor the company they are collecting for and they are not providing me with the details that I requested from them.
Consumer complaint received 2015-08-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have a wrongful charge from XXXX and it is in collection. My account was on auto bill pay and called XXXX at the time of the bill to inform them this was n't a legitimate charge as I had cancelled my account and switched to XXXX. I thought the issue was resolved as I did n't receive a bill after that until I recieved a bill from a collection agency. I had informed the collection agency but XXXX would never respond or even answer for that matter.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2020-08-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (VA)

I filed a complaint on Navient because I received an email about interest being added to my account during the time it's not supposed to be added and along with no payments. In XXXX my balance was less than it is reporting on my credit report now. They have added over {$2000.00} in interest from XXXX to XXXX. They aren't supposed to be doing that. Who else can I reach out to about this matter?
Consumer complaint received 2020-10-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (TX)

This account with XXXX XXXX that is a fraudulent account that was opened up with out my knowledge. XXXX XXXX XXXX contact number XXXX attempted to collect on this debt of {$1100.00} and I sent documentations and regarding to police report and identity theft affidavit and this account was removed and ceased collection as of XX/XX/2020. Today XX/XX/2020 this fraudulent account was then reported back on my credit report from Enhanced Recovery Collection agency. I contacted to advised them I would like to dispute this account and they have not sent any information in regards to this debt being owed nor was it verified and this is against my consumer rights. I want this fraudulent account removed immediately due to violation of my consumer rights due to identity theft.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 : XXXXXXXX XXXX  Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2020-10-28
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

At XXXX XXXX on XX/XX/2020 two fraudulent transactions originating from a XXXX Bank of America ATM were processed and given approval. One transaction for {$0.00} and another for {$920.00}, that night I realized when checking my balance and made a claim the following day. I then received a letter stating my claim has been closed and I will not be getting money back at all. Bank of America is supposed to have fraud protection and are denying me funds and allowed my account to be drained by a fraudster. I am now reopening a second claim and filing a police report being told by the Bank of America that I need evidence to support an obvious case of fraud and need help resolving this matter promptly as this is my rent money.
Consumer complaint received 2020-08-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

I made a purchase from XXXX ( clothing company ) and decided to use PayPal at checkout. The initial full purchase amount was going to be {$17.00} ; however, I used rewards points at checkout which reduced the final purchase amount to {$8.00}. I processed the transaction using my PayPal account balance, which was {$22.00} prior to the transaction. I was assured during checkout that I would only be charged {$8.00}, and the email confirmations from both XXXX and PayPal both show the charge as {$8.00}. However, my PayPal balance after the transaction was processed was reduced to {$5.00}. Simple math indicates that my balance was debited the full {$17.00}. I initially contacted XXXX and was advised that if there was a pending authorization, it would fall off after 10 days and that I would receive the {$8.00} difference back into my account. That never happened. XXXX pointed me back to PayPal. I opened disputes with PayPal, only to receive a response with the receipt showing the transaction amount was {$8.00}. PayPal does not know how to do simple math, nor do they apparently keep running balances ( the website does not show starting and ending balances in transaction history, which makes no sense for a financial institution ). PayPal is refusing to work with me and has only advised that " any pending authorization will fall off in 10 days after the item ships to you ''. As I've stated, the transaction was back on XX/XX/XXXX and it is now XX/XX/XXXX. I received the purchased item from XXXX back on XXXX. It's been well over the timeframe for any pending authorizations/holds to fall off, yet I still don't have my funds and worse yet, PayPal thinks that no funds are owed to me so they are not taking action. I should not have to go through this much trouble for {$8.00} but at this point it is the principle that they have taken money from me and not only are denying its return, but are essentially stating that the {$8.00} never existed.
Consumer complaint received 2017-03-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

All three credit bureaus : XXXX, XXXX and Transunion can not explain my credit Score while all scores are different. None of these bureaus can explain the Score process nor specifically why my credit score is being negatively impacted by their own records, due to " revolving credit not being established long enough ''. Their own records indicates my revolving credit has been established for 14 yrs, 10 months. This was NOT reflected on my credit bureau until I disputed I negative rating from XXXX, which was removed. Nearly immediately all credit bureaus this New Negative factor as stated above, arose and not one of these bureaus cares or can explain. Some have said perhaps it will clear up in a week, a month, they blamed algorithm 's ... ..etc! This is not satisfactory and the longer they all go not correcting this, the more my credit score suffers while I strive to improve it.