davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (FL)

On Saturday XXXX XXXX, I had account fraud where someone got access to my bank checking and savings account and wired all of my money away to different accounts. 

I contacted my bank ( Wells Fargo ) and opened a claim regarding the situation immediately, upon their investigation, they denied my claim still leaving me with almost a XXXX balance between both accounts with approximately {$2300.00} taken away, leaving me with XXXX between the two accounts left for me to go by. 

The transactions are : Checking : {$130.00} {$250.00} {$500.00} {$400.00} {$200.00} transferred to my savings. 

Savings : {$100.00} {$400.00} {$250.00} Someone got into my account and even transferred the money to my savings to send it away. 

All transactions were through XXXX with the names being : XXXX XXXX and XXXX XXXX Names that are not on my contacts for XXXX or in my phone. 

I have been a loyal customer of Wells Fargo since XXXX with direct deposit from my work paycheck and having a savings set up. 

Never have I had lower than {$800.00} in my account. 

On XX/XX/XXXX, I reached out to Wells Fargo regarding the investigation, they said that I logged into another device and allowed for it to happen. 

I am now seeking help as like everyone else, I have responsibilities to pay off for my day to day needs and as you can see above, I am not a very wealthy person, only someone trying to get by in life like everyone else.
Consumer complaint received 2023-05-16
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On or around XXXX of XXXX  I received correspondence to a prior claim stating from Bank of america they did everything they could to help me at the time with my mortgage. Nothing could be further from the truth. Firstly after sending documents pertaining to this episode of fraudulent activity to my current place of residence, I noticed that the documents did not contain the more important Deed to the property. When I inquired about the deed I was not given any answers as to why all the documents were without the Deed. Secondly, I have tried to remedy this situation multiple times and am looking for restitution as well as the CFPB to do an investigation into this matter because there inconsistencies with the different documents sent by Bank of america. Since bank of america never established ownership ( through original deed ) I feel they had no legal right to fourclose on my property. In addition to the proven facts surrounding illegal signature 's, Robo signings, and nefarious activities within the bank as well as sworn affidavits and testimony from bank employees it speaks to fraudulent behavior at all levels.
Consumer complaint received 2023-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (AZ)

XX/XX/16 called at XXXX AM AZ TIME, called about removing late fees due to me being hospitalized they said they can not remove it for me so i escalated to a supervisor and they also said even with this circumstance they can not remove a late fee. they said they can only remove one late fee per 18 months regardless of the circumstance which i do not see as being the case for any other credit card company that helped me with my medical issues. i also stated i wanted to file a FORMAL complaint which i do not believe the supervisor did for me she did not ask what i wanted to not down or anything, she just said she '' sent it ''. i know there is a process for formal complaints that i believe the supervisor did not follow
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-05-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Upon doing my taxes for the XXXX  year, I discovered that someone had gained access to my account and began stealing small increments of money via purchases to the XXXX  store linked with my XXXX account. Upon discovery I immediately contacted Bank of America. Having been a client of this institute for 17 years I was assured that due to the {$0.00} liability fraud guarantee I would have my claim investigated and at the very least credited back my stolen funds. 

Log in to Online Banking to report your lost or stolen card. We'll cancel your card and send you a replacement immediately. Remember, you're covered by our {$0.00} Liability Guarantee, so you won't be liable for any unauthorized charges or activity. 

After attempting to establish the claim, I had to call in numerous times. Bank of America had not only setup incorrect claims with the incorrect merchants multiple times, which resulted in multiple claims being opened. After finally having my claim started, it was denied due to the merchant sending very irrelevant evidence that Bank of America used without context to my claim. ( the evidence being that I linked my bank account to my XXXX account seven years ago ). This was not my issue, it is that someone GAINED access to the account and began using it as their own. 

After submitting my evidence to support my claim; consisting of XXXX refunding dozens of charges already, Bank of America reopened my claim and had also refunded me approx. 10 claims worth of charges amounting to {$300.00}. They have since stopped refunding the rest of the charges. I have since called multiple times, asked for supervisors, asked for clarification but it seems there are shay practices going on. Im being transferred to different people, different departments, my notes are locked or I cant view this and being told this is odd I cant see these details further this is handled by a back office - and nobody can give me details. This is going on three months with no information. 

It seems Bank of America is lying and not honoring its fraud protection for a client, a 17 year client with no such events such as this. I am pleading for the investigation into these shady and deceptive practices as I am now a victim of fraud for over {$2000.00} with no help from my banking institute dispute its guarantee to its protection of my funds.
Consumer complaint received 2023-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (DC)

I received a notification on XX/XX/XXXX that Jefferson Capital System had reported a collection account with a balance of {$730.00} on my XXXX Credit Report. The reported account references an original creditor by the name of XXXX XXXX and indicates the accounts was opened in XX/XX/XXXX. I have never received services nor have I conducted businesses of any kind with Jefferson Capital System or XXXX XXXX. Any account opened in my name with either entity is fraudulent and the result of identity theft. I attempted ot contact Jefferson Capital System but was not successful in getting any additional information and Jefferson Capital System refused to remove the fraudulent account from my credit report which has now caused a decrease in my credit score. Attempts to speak to a Jefferson representative were made on XX/XX/XXXX and XX/XX/XXXX. I would ask that Jefferson Capital remove this fraudulent collection account from my XXXX report immediately and be prohibited from any future reporting.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I know I always pay on time. I am sure of it. I don't get why this company says I'm late sometimes. Under USC 1666b, mistakes in billing should be fixed and shown as paid on time.
Consumer complaint received 2023-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MI)

TO : Experian XXXX : CFPB & FCRA & SCRA RE : Not my address reported by EXPERIAN. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I do not acknowledge this address or debt of inaccurate information on the alleged address. I do not recognize. This information or alleged account is reporting on my credit report. 

I do not recognize the address. 
I have never lived at this address. 
I do not recognize any account related to this address. 

Every that they have reported does not meet the FCRA. I AM EMPLASIZING on 100 % MAXINUM POSSIBLE ACCURACY. 

I am giving you 30 days to verify the 100 % accuracy and validate this alleged information that is false and is negative on my credit report. 

Per the authority of the following Federal and State Laws-Requirements I request the following. 

15 USC 1692 G CFPB 15 USC 1681 2 FCRA 15 USC 1681 I 15 USC 1692 b 15 USC 1681 ( 5 ) 15 USC 1681 e 15 USC 1681 i ( 5 ) 15 USC 1681 B 15 USC 1666 b 15 USC 1692 i I am asserting my right/s under Federal and State FCRA that collection and reporting practices act. 
And including those rights because I have disputed this debt in writing within 30 days of receipt of your Initial notice. 

If you fail to provide verification of the items above, these items must be deleted. Failing to report Information correctly violates the fair credit reporting act. 

XXXX XXXX XXXX
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I am filing this dispute regarding XXXX, Experian, and XXXX Credit Bureaus from XX/XX/2022. I submitted substantial documentations that all Credit Accounts on my account as PIF with proof of payments for each with a 1099C. The accounts were never resolved and after exhausting all other resources, I have been forced to complain against these agencies again. 

I also filed a complaint with your agency and never received a response or a resolution so this is also my second attempt with your agency. 

I wish for this to be resolved asap as it has caused substantial harm to myself as well as my potential in obtaining more credit with better rates/contracts. 

I have also requested all eroneous information regarding inquiries/wrong address information be removed or updated. Requests were not honored causing further harm to me per my inability to obtain more credit with better rates/contracts.
Consumer complaint received 2023-05-16
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. (IL)

I am writing to express my concerns about inaccuracies in my credit report that I have previously disputed without success. The specific accounts with errors are detailed below : XXXX XXXX The account status is incorrectly listed as " Open, '' though it has been charged off/placed for collection. No last payment is indicated, and the account is only reported to XXXX, but not Equifax and XXXX. The last verified date is shown as XX/XX/XXXX, which I find questionable given the inaccuracies. 

XXXX XXXX This account status is erroneously showing as " Open, '' although it has been charged off/placed for collection. Despite the credit remarks stating " account information disputed by consumer, meets FCRA requirements, '' the account inaccurately reports as " Open. '' The account opened dates also differ between Equifax ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ). 

XXXX XXXX XXXX The account open dates and closed dates vary across the three bureaus. XXXX lists the open date as XX/XX/XXXX and closed date as XX/XX/XXXX, while XXXX and Equifax list the open date as XX/XX/XXXX and do not report a closed date. 

XXXX XXXX The opened date does not match across the three bureaus. XXXX reports XX/XX/XXXX, XXXX XX/XX/XXXX, and Equifax XX/XX/XXXX. The dates of last activity are also inconsistent across the bureaus : XXXX shows XX/XX/XXXX, XXXX shows XX/XX/XXXX, and Equifax shows XX/XX/XXXX. 

These inaccuracies negatively impact my credit score and financial reputation. I request your assistance in investigating these matters and ensuring that these discrepancies are corrected, or the accounts are removed from my credit report as appropriate. 

I appreciate your attention to this matter and look forward to your prompt response.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: NAVY FEDERAL CREDIT UNION (NJ)

I spoke with a representative from XXXX credit bureau. I informed him that the po box they have listed XXXX XXXX XXXX XXXX NJ XXXX is incorrect. I asked him to remove the incorrect address. He informed me that he would not remove it because a creditor ( Navy Federal Credit Union ) shows this incorrect address. This is my account and I am informing them it is incorrect. Why would he not remove this and go by a creditor, who has incorrect information. This inaccurate data can affect my credit score.
Consumer complaint received 2023-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MoneyLion Inc. (VA)

On XX/XX/XXXX I requested a check for my rent to be sent to XXXX XXXX XXXX in the amount of {$570.00}. My bank, MoneyLion, deducted it from my account along with a check fee of {$2.00}. It was stated in writing it would take no more than 2-4 business days. On XX/XX/XXXX I received a message from my landlord that they still had not received the check. I called MoneyLion immediately and was told " give it one more day ''. We did and the check never arrived as promised. I called back again on XXXX and asked for a stop payment and was told I can not do do that since the check has already been processed and they would escalate the issue and " someone would be getting back in touch with me in XX/XX/XXXX hours ''. I patiently waited and did not receive any correspondance. I called again on XX/XX/XXXX and demanded to speak with a supervisor by the name of XXXX XXXX and she assured me she would escalate it personally and refund me for a late fee I have now incured because my check is considered late for rent and " she would call me back in 24-48 hours ''. Again, no call. I called again on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and have been told it is out of their hands as the issue has been " escalated ''. I have also sent multiple emails requesting my money to be reimbursed. I have been given the run around and no money has been returned as promised. As a bank with my money in it, I'm not sure why this can not be done ASAP. Please help me look into this. Amount owed is {$570.00} plus a late fee due each day that the check has not been received in the amount of {$150.00}. Thank you! 
How it started
Consumer complaint received 2023-05-16
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. (MI)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-05-16
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (FL)

My personal information had already been compromised due to cybercrime. I constantly have had to dispute and close different cards with my bank ( which there is proof for ) because every time I open one I see charges I have not made from places I have never been to or companies I have never bought from. This includes my personal email. This too, is compromised. I have tried different things to secure my information on my computer but, someone either has my social security number or for some reason it's easy for them to link my information and no matter how many times I change things, this keeps happening. This I mention in case it's the same situation with the following ; Affirm was an extension someone recommended to try to see if I prequalify for a loan and what would that look like. This was once when I was looking for a flight ticket that I ended up deciding to buy myself like I've always done, I've never taken a loan. And I didn't even choose the same airlines or dates. I did not agree to receiving the loan, I did not sign anything, receive any sum of money or was able to confirm if the airlines did because Affirm would not provide this information. I'm sure I didn't because airlines send a confirmation and information about your flight and also because I didn't actually create any ticket at the time but, some day later when I paid for it myself. I have disputed this with Affirm many times, escalated and since the beginning, they have only taken my information to " confirm '' it's me ( like social security number ). I believe they have only done this to finish adding information to the completion of my profile or account with them. The only help I have gotten is an email asking for proof for the dispute which I can't give them because Indeed, I did not take the loan therefore, don't have proof of that. How could I explain I don't have money that was never given to me when what this company only provides is the name of an airlines? That time, I didn't even fly with the same airlines! When I call the airlines, I'm told it must be a scam if they can't provide me with information to even verify or find the ticket. Then, I'm told by an attorney that I have nothing to do with the airlines, Affirm is the one assuring I was given a loan or agreed to it. I have no way of confirming this, only Affirm 's word. If they gave it to the airlines, at least the airlines should be able to confirm this or agree in some way to receive this. But, the conflict is with Affirm. This debt keeps growing and when I finally wanted to take a car loan I was denied this when they ran my credit. I've also disputed this online with XXXX and it's being denied. Keeps happening for months now. I've never been a bad payer but, I've never consented to this.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

After reviewing my credit report and found errors regarding my payment history on certain accounts. I have never been late on the following accounts. According to 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. These errors have significantly impacted my livelihood by preventing me from obtaining other credit Account name 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 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.