davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-22
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. (CT)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 2023-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

I am executor of my Moms estate. I deposited the funds ( around {$250.00} k ) in a Wells Fargo checking account. I am trying to distribute to heirs. WF will not allow more than {$75.00} k to be transferred per month. They are illegally retaining the estates assets. I have discussed with them. They refuse to allow larger transfers.
Consumer complaint received 2023-05-31
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. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 2023-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (VA)

I opened a business checking account with Chase back in XXXX. They told me the account isn't active and needed me to call them. I didn't call them and thought the account was not open, until I found out they charged me {$15.00} fee and resulted in overdraft. 

So I paid the fee to them. But later I found out they used this overdraft to decline my credit card application.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi, I had a freeze on my credit Reports. 

On Monday XX/XX/XXXX, I was able to remove the freeze on the XXXX and XXXX reports. 

I have Not been able to remove the freeze on the Transunion account. 

I have called, emailed and spoke to representatives. 

I have still been unable to remove the freeze on the Transunion accounts of XX/XX/XXXX. 

Help please. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX
Consumer complaint received 2015-07-27
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (DC)

I was not informed by XXXX XXXX XXXX that my mortgage was sold to Nationstar Mortgage Company. The only way I found out was to call XXXX when the payment was deducted from my autopay. I have since had extremely poor customer service from this mortgage company. They are now charging me fees that are not legal under my HUD contract with XXXX in XXXX.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

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 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Experian reported misinformation to XXXX XXXX XXXX XXXX  on XX/XX/23. that is inaccurate and contradicts information that Experian has provided me through their website. Experian reports my credit score to be XXXX on their official website, but had reported a score of XXXX to the lender
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (TX)

I sent an email to Shellpoint Mortgage regarding the late payment they reported on my account in XXXX stating I was 60 days late. My loan was transferred to Shellpoint from XXXX and I was under the CARES ACT coming out of a covid-19 program, placed on a repayment program under the CARES ACT to where my account would not be reported while in the program. I have followed all guidelines as well as made each payment in addition to other payments just to get my account out of the repayment program. I actually got my account caught up in XXXX, when the program was designed to last until XXXX. 

I have tried to work with Shellpoint to get this late report off my credit. It is bad enough to have gone thru the enormous economical issues I did for over 2 years during covid and was fortunate enough to be able to meet all requirements to be put into the repayment program. According to the law, NO CREDITOR is to report anyone under any CARES ACT program late especially if they are following all guidelines. 

I am requesting that my account show they acquired my account in XXXX as it does and it is NOT NOR HAS IT EVER BEEN late as my account has been under the CARES ACT that Shellpoint acquired from my previous loan servicer.
Consumer complaint received 2023-04-05
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I am involved in a debt lawsuit with this company beginning in XXXX and ongoing. 

The company failed to send a required XXXX XXXX prior to lawsuit. 

The company has filed multiple false and misleading affidavits in this case ( Attached ). 

Specifically, affidavits involving affiants XXXX XXXX and XXXX XXXX. 
This is in violation of XXXX 's recent XXXX agreement with the CFPB and the FDCPA. 

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b.2. This company has no permission to report anything using my information pursuant to 15 USC 1681 4.
Consumer complaint received 2023-04-04
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: NAVY FEDERAL CREDIT UNION (TX)

The information submitted to the credit reporting agencies from Navy FCU shows that I was late with 5 payments in XXXX, but does not show that the account was paid in full before being closed. 

I never gave Navy FCU or any of the credit reporting agencies authorization to share my personal information ( XXXX XXXX XXXX [ Fair Credit Reporting Act ] ) with anyone. 

I contacted the Navy FCU last year, and each of the three primary reporting agencies last year and this year about this issue and have not received any helpful responses.
Consumer complaint received 2023-04-04
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. (AZ)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a 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 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 or 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 2024-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My acct XXXX had a negative balance XXXX. Please contact headquarters of bank of America and ask them to leave that negative XXXX. Then transfer XXXX. To new acct. XXXX I have XXXX XXXX I can't get to ss. Without my XXXX. XXXX. Case XXXX of Path XXXX XXXX. 

I almost DIED AT SOCIAL SECURITY LAST TIME I WENT. 

RESPECTFULLY, AND WITH LOVE, XXXX AND XXXX XXXX
Consumer complaint received 2023-04-04
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. (TX)

I am submitting this complaint against Experian due to their continued failure to remove inaccurate and unverified items from my credit report, despite multiple disputes and submission of the required documentation, including Identity Theft affidavits and police reports. Furthermore, Experian has not maintained proper records of the previously submitted documents and may be in violation of the Fair Credit Reporting Act. Additionally, I have concerns regarding the unauthorized release of my personal information to the disputed companies during the dispute resolution process, potentially exacerbating the identity theft issue. Experian 's actions have caused me significant financial harm and emotional distress, and I seek a prompt and accurate resolution of this matter.
Consumer complaint received 2016-12-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION (PA)

I use XXXX for my financies. I track when I know my deposits will arrive and schedule bills according. 
If I know I will have funds on the XXXX I will schedule a bill/draft for the XXXX or XXXX. BB & T is drawing the funds XXXX to 5 days prior to the actual with draft/payment. This causes an overdraft because the depost will not arrive until the XXXX. This seems unfair to charge me an overdraft when an overdraft would not have happen if they did not cause it. 
If they are going to allow overdrafts then whats the point of pulling the funds early? 
I feel this should be illegal to charge me an overdraft when one technically did not occur.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX Account number : XXXX {$4200.00} As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

XXXX Open Date in XXXX Reopened Date XX/XX/XXXX Identity Theft and Fraudulent Account Apart of multiple data breaches from Equifax XXXX updated my credit report and removed my credit freeze from my profile. Found out in XXXX of XXXX after 5 days of repeated phones calls and escalation to managers due to receiving reports that my credit profile was being accessed by several creditors I did not authorize.
Consumer complaint received 2023-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Dear Consumer Financial Protection Bureau, I am writing to you today to request your assistance in resolving a serious matter that has caused me significant financial harm. I am the victim of an employment scam that has resulted in my bank accounts being frozen, and I fear that I may also be the victim of identity theft. On XX/XX/2023 im am disputing a number of things first a check that was cleared and then reversed without being told in real time by the criminals for {$4700.00} that was fraudalent. 2nd that both charges be immediately dropped for XXXX and XXXX and that MY money {$2500.00} is finally freed and available and this case is closed. its simple the disputes are dropped for obvious reasons and all proof provided and MY money prior to ALL this is returned and freed NOT some provisional credit thats gone on for 7 weeks now and my funds being frozen.

This sophisticated scam has affected me for more than 7 weeks now, and I have filed reports with all governmental regulatory agencies, including the FBI. I have provided all documentation to support my assertion, including proof that I was hired via email, sent an offer letter, and received a check that cleared by my bank but was then reversed in real-time without my knowledge. 

During this process, I was instructed to send personal funds for office equipment for my remote office to 'vendors, ' which I now know were criminals impersonating high-level executives at a global billion-dollar company. All emails, XXXX Teams, IP addresses, bank accounts, and more can be traced, and I have attached all relevant documentation to this letter. 

As a result of this scam, my bank account went into negative, and I was instructed to send personal funds as well. My bank account is now frozen, and I have no access to MY money. This dispute has gone on for far too long, and I am suffering the consequences of this employment fraud. 

This scam is so viral that major job sites such as XXXX, XXXX, and XXXX have put " Beware of '' in certain job descriptions and specifically stating they would never ask what the criminals did of me. I can attach this as proof as well if need be. 

I am reaching out to you today to request your assistance in forwarding of my proof, all documentations of my case, and my legal rights. I will employ legal aid to assist in this matter as well. I urgently need your assistance in resolving this matter as soon as possible. 

Thank you for your attention to this matter.
Consumer complaint received 2023-04-04
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. (FL)

PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 XXXX XXXX XXXX HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.
Consumer complaint received 2023-04-04
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. (IL)

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 Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 crime which antedates the report more than 7 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 2023-04-05
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. (SC)

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account : XXXX XXXX XXXX, account # XXXX have violated my rights. 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 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 items of information other, than records of conviction of crimes which antedates the report by more than seven years.
Consumer complaint received 2023-07-06
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-04
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Allied Consulting Services LLC (GA)

My husband, mother, and brother were all contacted looking for me. They spoke to my husband in great detail about my debt. I received a voicemail today stating that they would proceed with financial judgement and told me this would affect my ability to be employed or get a bank account. 

I closed a bank account in XXXX of 2020 with Georgia XXXX XXXX XXXX. 
Before I closed the account, I paid XXXX {$18.00} for a web subscription. 
According to Allied Consulting, the check processing company that XXXX uses, ( XXXX ) paid XXXX. They allegedly waited one week before withdrawing the funds from my account. When they tried to withdraw funds for themselves, they were notified the account was closed. Since my XXXX account was up to date, I never received notification that XXXX had not been paid. XXXX never contacted Georgia XXXX XXXX XXXX or me. They sent my {$18.00} charge into collections. 

They claimed XXXX sold this debt to Allied Consulting, and that they tried to send a letter to an old address for me notifying me about this debt. I did not receive any communication about this debt. 

XXXX from Allied Consulting stated I owed {$260.00}, but could settle today for {$100.00}. 
They threatened me and said that if I didn't pay the {$100.00}, they would file a financial judgement today and I would incur up to {$700.00} in attorney 's fees. I paid the {$100.00} to get them to stop calling my family. 

Georgia XXXX XXXX XXXX has NO RECORD of XXXX attempting a transaction from the dates they mentioned. 

My Credit Report shows no records of a debt from Allied Consulting.
Consumer complaint received 2023-04-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (IL)

I am trying to buy a house and getting denied this company is reporting collections on my account that are inaccurate and I did not give them permission or give them my information to report this on my credit report Hunter Warfield Inc is saying I owe {$2600.00} which is incorrect as this debt is not mine
Consumer complaint received 2023-04-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.