davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ZWICKER & ASSOCIATES (TX)

XXXX XXXX XXXX as XXXX for XXXX XXXX XXXX XXXX XXXX XXXX Trustee XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX State Bar Number XXXX XXXX XXXX XXXX XXXX XXXX 
State Bar Number XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( FAX ) decided to file an unlawful default judgment to garnish all of my money-exempt funds at XXXX XXXX XXXX  XXXX due to their deceptive and unlawful garnishment of my unemployment benefits, 401k indirect rollover, and federal aid leaving me with XXXX  available funds. I am having a difficult time trying to feed my kids, keeping running water and electricity, paying for gas maintaining basic needs due to having exempt funds seized and left with absolutely no money to even pay for water. Despite my several attempts in XX/XX/XXXX and XX/XX/XXXX to remedy this, the previous law firm continued to transfer me to different reps and even provided an invalid number. Then mention that they no longer have my debt and it's transferred. I lost my job in XX/XX/XXXX, got sick, and did not get paid for taking XXXX. I do not have a single or cash on hand, left destitute I need access to my money as my health and kids are left to provide bare necessities like water, lights, food, etc. XXXX and XXXX XXXX XXXX Imposing unenforceable clauses in take-it-or-leave-it customer contracts. Deceiving customers about their rights : Failing to adhere to consumer protections governing customers bank accounts :
Consumer complaint received 2023-03-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

XXXX cont. 

XXXX XXXX XXXX returned a call with an update from WF. Unfortunately, is not able to do S .... company policy. 

I asked for her supervisor 's contact information, and was declined. Please assist. 

XXXX Not exactly a customer concern bank. Sad and true Spoke with XXXX XXXX. Awaiting XXXX XXXX ... .. after XXXX XXXX XXXX the WF XXXX XXXX, and as per my prior conversation XXXX XXXX and WF continue their trickery. I never agreed to the mediation resolution for the XXXX loan. There is no documentation and I never agreed. The sole purpose of the mediation was to discuss the XXXX loan and my request for XXXX, XXXX XXXX The trickery is that WF agreed to discuss a CHECKING ACCOUNT only and agreed to discuss the XXXX loan at a later date, after the mediation WF continues false assumptions to what was discussed in the mediation and is tricking CFPB and other customers in more fraudulent behavior. XXXX XXXX and XXXX XXXX do not tell the truth and are misleading CFPB. Please reach out to alternative POCs at WF. Per WFs request by mail to go through a mediation process on XX/XX/2023, XXXX we please proceed. Please assure that WF does not apply trickery and delay tactics as they practice on a ongoing process. All the issues are real and they need to be held to account. WF has belayed and continues to say that they have reviewed the issues yet has done nothing. WF never looked into the fraudulent activities of XXXX XXXX XXXX. The Builder XXXX XXXXXXXX has passed, was sued by all the clients and filed for bankruptcy and eventually filled for title... I provided XXXX XXXX 's phone number and all other contact information, The bank is liable for his actions and all the other questionable banking activities. I asked not to close the loan, no other bank would provide banking services to XXXX XXXX and through out the loan WF behaved in an unprofessional matter befitting a bank. WF tricked me into going to mediation and only agreed to discuss the checking account and then turned around and stated that the mediation pertained to all the issues with WF which is untrue. They should be out of the banking business and the mediation lawyer assured me that I can pursue the issues but refused to provide a written statement. Please investigate WF for fraud and lying to customers and gaining financially. They were required by CFPBB to make good on their wrong doing yet they have yet to provide adequate compensation. The WF game continues. The gate keepers, XXXX XXXX and XXXX XXXX are following the WF line and should be in a different position or business. Please provide a more truth telling POC WF as in the past is playing the clock. Please hold them to account so we may truthfully mediate.

WF is a fraudulent bank. Please hold them to account.
Consumer complaint received 2023-11-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (WA)

I asked to dispute these accounts for Caine & wiener multiple times. These are not mine! I noticed them on my credit reports and have tried to have them removed but you claim theyre accurate? I ask for proof and to please verify we have the correct information/account.. theyre unable to provide.please remove this immediately from my credit scores. Not my debt.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I received a letter that I am being sued by XXXX XXXX XXXX XXXX. I have disputed this as I need evidence this card was mine. I have not received any information on the when the account was opened. This has negatively impacted my credit score and I believe has violated my rights according to the following : * 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.

* 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 an 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.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

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 which is a violation of the FCRA and FDCPA and you 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. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2023-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (NY)

I deposited it check for XXXX on XX/XX/23. I was told it would be on hold until XX/XX/23. The funds were released to my account and then taken back with a new release date of XX/XX/23. I am depending on this money for bills and now Im totally upset as I am about to lose my power and place to stay.
Consumer complaint received 2023-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

Check deposit {$100.00} from XXXX XXXX XXXX XXXX to USAA on XXXX. 
Never credited to my account. 
Deposits before and after XXXX  credited to account. 
I have copy of cleared check. 
Called in around end of XXXX beginning of XXXX. Missing deposit case opened. 
XXXX notification that funds not found case closed. 
XXXX Called USAA again, per Rep. Check found, and account it was deposited into. 
Not my account. 
XXXX  called today told no check found. 
XXXX terminated.
Consumer complaint received 2023-03-30
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)

These accounts/purchases are fraud and need to be removed from my report immediately. I am a victim of identity theft. These accounts listed in the affidavit were not charged by me. I've also provided the FTC affidavit in regards to these accounts. Please remove them as soon as possible as it is causing me serious harm and inconvenience as a consumer.
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (GA)

On or about XX/XX/2023 American Express reduced my credit limits on my 2 delta sky miles credit cards. From {$20000.00} to {$1200.00} The reason was because they said I have a outstanding accounts in collections on my credit report after them randomly pulling my XXXX report. However I do not have any accounts with outstanding balances. I do NOT have any accounts in collections and I Do NOT have any charge off accounts or delinquent accounts. 
All my accounts reporting are current with low balance. I do NOT have any late payments. This is unfair. I sent them a fax and upload of my up to date credit report and Ive even sent in my bank statements showing how much my business makes. Nothing has been resolved or updated. I feel Im being targeted as a minority & woman owned business.
Consumer complaint received 2023-03-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (CA)

I had recently been trying to fix my debt after a year of consolation. During such year I settled 4 credit accounts, was sued by 1 and pending another law suit from another. The current company Midland Credit Management ( MCM ), has picked up two of my debts from seperate entities. One of which has sued me. On XX/XX/XXXX after receiving mail communications, I finally spoke to a representative and set up two payment plans to settle these debts. One plan is XXXX XXXX/mo, the other XXXX XXXX/mo. These payments are recurring as an ACH from my bank account. I have missed a few already due to finances. I had told the company things were tight. Well, now they call me 2,3 and 4 times a day. They call from different phone numbers, until recently they have added " unknown '' as the caller ID. They leave the same message, " this is so and so with such and such company, please contact us ''. I have no reason to contact them, nor them me. I have an account I can log into. They have my address to write too. Payment plan is still active. This all begins at XXXX XXXXand doesn't stop until late afternoon. All the meanwhile my account is still being paid out of when money permits. I gave them a specific date to withdraw the funds and it has not been an issue. Only upon missed payment, yet debits again the following month. I am tired of these harassing phone calls. I can't even call out due to so many calls coming in. It it as least every hour they call. I do believe it goes against fair practices and it is harassment. I've already been sued by the one debt. I did the right thing and am doing my best. To be bullied into getting more money when my ends don't meet is ridiculous.
Consumer complaint received 2023-03-30
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. (IN)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2023-03-30
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB XXXX  ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
CHILD SUPPORT ENFORCEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX
Consumer complaint received 2023-03-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I opened an account with Bank of America in XXXX and have an ongoing relationship with them. I have made it a goal to make payments on time. There was a point in time where I had a mishap and unfortunately made a late payment in XXXX, I was affected tremendously by Covid. Since then, and even before, I have always made timely payments. I am asking for a goodwill gesture based on the standing relationship I have had with your company for the last 6 years. This one late payment is causing me extreme hardship. I am hoping that Bank of America can submit a Universal data form ( AUD ) to the credit reporting agencies requesting that they remove the late payment in XXXX of XXXX. I have really enjoyed doing business with Bank of America and a quick look over my account will show that I was always on time. I would greatly appreciate this goodwill gesture. I am hoping to hear a favorable outcome from Bank of America. Thank you for your time.
Consumer complaint received 2023-03-30
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: EQUIFAX, INC. (PA)

besides stating actual law and regulations the problems and incorrect information is still appearing on my credit reports, feels like and also appears that my complaint was essentially been ignored, inaccurate on my credit report is very harmful to me personally and financially.the credit bureaus just report anything that they choose to report despite and without regard. i have pointed out how my right to privacy has been violated, my accounts do not state that the accounts and information is being disputed ... 15 u.s.c 1681 ( a ) 2 ( a ) the information excluded from consumer reports Sub Section B paragraph 3 the term consumer report does not include, 1. a report containing information solely as to transactions or experiences the consumer 'myself ' and the person 'company ' making the report, 15 u.s.c 1681. no credit reporting agency shall furnish any information in a consumer report if they have knowledge or reasonable suspicion that the information is incomplete or is inaccurate, the account XXXX  states that the status of that account was discharged in XXXX XXXX date account opened according to credit report is XX/XX/XXXX status updated is XX/XX/XXXX??? seriously, whats even more disturbing is the collections account from XXXX XXXX XXXX is from XXXX it states date opened XX/XX/XXXX and balance updated XX/XX/XXXX, XXXX both these accounts are 1 in the same so why is XXXX XXXX illegally parked on the credit report. and why are the credit bureaus allowing that? all names besides the 1 i have provided and addresses older then 7 years old, also the name XXXX XXXX XXXX is in my personal information PLEASE REMOVE!!!!!!!! i will if these matters are not addressed will be hiring counsel PLEASE DO NOT FURNISH OR PROVIDE ANY INFORMATION THAT IS INACCURATE,!!!! if you guys would conduct an actual investigation you will see the errors.. thank you.. hopefully this will be the end of this fiasco..
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (GA)

Reference complaint number XXXX, which has been closed by the company, Wells Fargo . This complaint stems from the fact that on XX/XX/XXXX, per my telephone conversation with WF Representative XXXX, I was informed that when my automobile was repossessed, WF sent the title to the company they used to repossess the automobile. When I paid the {$4800.00} in full to get my car back, the repossession company returned the car title back to WF, at which time WF stored the title in their vault! When I inquired, why did you not send me my car title, XXXX informed me that the customer/purchaser has to request the car title! When I informed her that no one at WF ever told me I had to request my car title after I'd paid in full the amount owned on the car. At which time she asked me, " then how did you know to request the title in XXXX? '' To which I informed her that I had a buyer for the car, but I could not sell it because I did not have my car title! It is not my fault that WF has/had some crazy plan/policy or whatever that when you pay off a car loan they put your car title into their vault! And, that you ( customer/purchaser ) has to request a copy of the car title you just bought! That's insane! It's your car title when you pay off your car loan, NOT WELLS FARGO 'S. They should have sent me my car title instead of waiting for me to request my car title. And then WF did not send me my car title. They sent me information to be used to secure a car title from my local XXXX! I still believe that WF did not if they ever had title to my car. And that's my complaint. I think that by not sending me my car title in a timely manner, WF cost me that sell and several others I could have made had I had my car title. Therefore, I think WF owes me the {$4800.00} I paid them.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I am writing to file a formal complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) by credit reporting agencies, particularly XXXX, due to the inclusion of fraudulent information on my credit report. As a victim of identity theft, I have discovered several inaccuracies on my report, including incorrect names, addresses, employers, and unauthorized accounts. I believe these issues stem from the XXXX  XXXX data breach, which exposed the sensitive personal information of millions of individuals, including myself. 

Despite my efforts to dispute these inaccuracies directly with the credit bureaus, they have failed to adequately investigate and remove the fraudulent information. The inaccurate entries are severely affecting my financial standing, and I am requesting your assistance in ensuring that these credit reporting agencies comply with FCRA regulations.The Fair Credit Reporting Act ( FCRA ) establishes specific rights for consumers and obligations for credit reporting agencies. The following sections apply to my dispute : FCRA Section 609 ( a ) ( 1 ) I have the right to request complete and accurate disclosure of all information contained in my credit file, including the sources of fraudulent data. 

FCRA Section 609 ( a ) ( 2 ) Credit reporting agencies are required to maintain accurate personal information. The incorrect names and addresses on my credit report violate this section. 

FCRA Section 605 ( a ) Credit reporting agencies are prohibited from reporting inaccurate information, including incorrect addresses and employment history. 

FCRA Section 605B Upon receiving an identity theft report, the credit reporting agencies are required to block and remove any fraudulent information within XXXX business days. 

FCRA Section 611 ( a ) Credit reporting agencies must investigate disputed items and correct or delete inaccuracies within 30 days of the dispute. They have failed to meet this requirement.