davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-10
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: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent, inaccurate, and false information consists of a personal Accounts listed below. 
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 XXXX XXXX 
These accounts have resulted in several fraudulent charge offs and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and charge offs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and charge offs are the result of identity theft and fraud.
Consumer complaint received 2024-08-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Prosper Marketplace, Inc. (TX)

Company posted the payment due and date due. I paid it. Next day they posted another payment due. I asked them why and they said because I posted my payment on last day of the cycle, so they posted it as an " extra '' payment for previous month instead of current due payment. Now they insist I still have to pay for this month. Which make my monthly payments paid almost double. This is not the first time this has happened. Why did they post the payment as due if it was to early to pay it and get credit for it? They posted the payment ( monthly statement ) of {$100.00} due on XXXX XX/XX/2024 and I paid it XXXX XX/XX/2024. Next day I logged in and see another payment due and this time {$87.00} XXXX XXXX
Consumer complaint received 2024-07-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Todd, Bremer & Lawson, Inc. (FL)

I have repeatedly tried to resolve the issue of false, inaccurate, and misleading information on my consumer report, but the problem persists. These entries have severely affected my life, causing considerable distress. I must emphasize that I never authorized this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CO)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/year> Amount {$1500.00} XX/XX/year> Amount {$4000.00} XX/XX/year> Amount {$0.00} shows late payments I have reached out and have gotten no help from any of these accounts and I have filed disputes and still have gotten no progress to removing these accounts from my credit report and late payments as well.
Consumer complaint received 2024-08-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TomoCredit Inc. (OH)

I recently accessed my bank account and noticed a withdraw that I did not authorize. I've contacted the company, and they took the money as a payment to an account I have cancelled. Even though I removed my payment information from this company 's website, somehow the company stored my payment information and is accessing my account without permission which is fraud.
Consumer complaint received 2024-06-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CO)

I want to close my Paypal account because I getting unsolicited requests for payment. I'm unable to do so using their website. Called Paypal customer service and they sais they were unable to do so since there is a " limitation '' on my account. I asked to talk to a supervisor and was placed on hold and eventually hung up. My complaint is simple. I want my Paypal account closed and a check issue and sent to be for the positive balance. Paypal wouldn't do this for me.
Consumer complaint received 2023-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

on XXXX XXXX I went to my local Huntington bank atm to deposit cash. The full amount I put in the atm was {$1000.00} even. After I deposited the cash the machine spit out {$80.00} but the rest of the cash was visibly stuck inside the machine crumpled up. On the screen it was telling me to grab the cash that couldnt be deposited. After a few minutes went by it said your cash was not taken in time. To protect your accounts, Ive pulled your cash back in. Contact your financial institution the atm machine closed the opening.after taking a photo I immediately reached out to customer service and made a dispute. After 2 weeks I called for an update to find out the dispute was closed with no explanation. The dispute was reopened only to be closed a week later. This time the representative tells me the researcher found a different undisclosed amount and that {$920.00} wasnt the amount found from the atm. I feel like Huntington bank scammed me out my cash without a proper investigation.
Consumer complaint received 2023-04-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diverse Funding Associates LLC (TX)

Back in XXXX of XXXX  I have reported a lost/stolen card and fraud activities on my XXXX credit card with XXXX. Even though I provided them all the proof that at the time of fraud activities I was not physically present in the country. I was out of country the whole time my card was used. XXXX have denied my claim. I refused to pay for something which I did not authorized. This is my Right not to pay if I did not make purchases. Now XXXX have sent the whole amount to collection and the collection company name is DNF ASSOCIATES, they are keep sending me emails, non stop phone calls. 

I am attaching my proofs again.
Consumer complaint received 2024-06-16
Product: Credit reporting 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: EQUIFAX, INC. (MT)

I have been trying since XXXX to get into Equifax credit bureau. I have had an account and now can't access it. The last response from here is that my registration wasn't completed. Yes it was I don't need another account I need access to the one I had before! Open my account back up!
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

"
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On Friday XX/XX/2023 I went to an Bank of America in XXXX SC on XXXX XXXX to deposit {$500.00} in an ATM to my checking account. During the transaction phase after I put the money in the slot provided by the ATM a message appeared stating it was unable to process my deposit. The money was not returned. I immediately called the number provided on the ATM, but as of filing this complaint I have not receive any money to my checking account. I was told that it could take 2 to 10 days to resolve this issue. No other solution was offered and the money was needed to provide funds to purchase an air conditioner for a family member. This is not the first time I have made a deposit to a Bank of America machine only to have the issue resolved several days later.
Consumer complaint received 2018-04-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (AL)

I have been trying to negotiate a solution to my mortgage loan with Wells Fargo but they have been unreasonable and have refused to work with me. I have the means to afford my payment and after a bankruptcy discharge OFFERED to make double monthly payments to wipe out the last arrearages. Wells Fargo refused this offer and instead demanded full reinstatement. When I could not come up with the necessary funds they immediately set a sale date. This is an FHA loan backed by HUD, and Wells Fargo did not even open a review of my financial circumstances to consider this repayment plan. They also failed to consider a modification or special forbearance. My wife and I both work and are able to fix this problem but Wells Fargo is not playing fair. They are more interested in foreclosing than working things out.

My wife and I bought our home in XX/XX/2010. I have worked as a XXXX XXXX  for 9 years and my wife works as well. We had a bit of a family crisis a few years ago when my mom came down with XXXX and could no longer take care of herself. Although my father was living and with her, he was a XXXX XXXX and could barely care for himself. We had to become involved and help in her care. After my father passed away we had no options and had to come up with the funds to put her into an assisted living home. We had to put a lot of time and money into getting her set up and situated as well as settling my father 's affairs. Due to these events, we fell behind on our mortgage payment a few years ago. We contacted Wells at that time to modify the loan and eventually were approved for a program. However, our finances were still in shambles and we ended up reorganizing our debt through a Chapter XXXX  bankruptcy. We made all payments as agreed on the BK to the trustee and Wells continued to get paid each and every month. Once the bankruptcy was discharged we again tried to engage with the Wells loss mitigation agents to try and resolve this matter permanently. We asked if we could enter into a repayment plan and actually pay more than a double payment each month ( current payment is {$1300.00} and we offered to pay {$3000.00} a month ) but their agents would not accept this. We were told the only option was to fully reinstate the loan with a lump sum payment of {$8000.00} which we did not have at that time.

Wells Fargo has not considered us for programs such as loan modification, partial claim, special forbearance or a repayment plan. We had the means to afford a repayment plan that would have quickly gotten us back on track but their agents would not even CONSIDER it. This is egregious and shows that Wells Fargo is more interested in cashing in on the government insurance for this loan instead of trying to find a solution.
Consumer complaint received 2024-08-10
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: EQUIFAX, INC. (NY)

XXXX XXXX XX/XX/XXXX ( Equifax ) XXXX XXXX XXXXXX/XX/XXXX ( equifax ) XXXX XXXX XX/XX/XXXX ( equifax ) XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) Please remove theses unauthorized inquiries from my credit report. These are fraudulent.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
"
Consumer complaint received 2024-09-10
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. (AL)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2018-04-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BB&T CORPORATION (MD)

BBT Personal Acct # XXXX for XXXX XXXX XXXX. 
SSN:XXXX My account was charged off by BBT Recovery Charge off Dept.I called in I asked them whether or not I could take care of my checking account negative balance.They told me that I had til XXXX to pay it off.Which was a lie.They charged the account off about 3-5 days later.I could have gone in paid off the account and my account would be still open and available to me.They have reported me to XXXX.Which is a Fair debt practices reporting Act violation.I would like to be removed asap from XXXX XXXX.I am requesting and encouraging a full investigation by BBT and CFPB.This is a serious matter.Thank you much in advance.I really appreciate it. 

Please reference notes from the charge off/collection/recovery dept.It will tell everything that happen.When I talked to this dept.
Consumer complaint received 2024-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/XXXX I noticed a fraudulent charge from XX/XX/XXXX of {$2200.00} on my Bank of America XXXX  XXXX credit card. I report this to my bank immediately. I went through the dispute process. I changed my passwords, instituted two-factor authentication, and cancelled the card which was used to make the unauthorized purchase. The purchase was from a contracting company, as the invoice alleges. I do not own a home or have any property, so it's physically impossible for me to have purchased these services. The company doesn't appear to have a website and the phone number on the invoice does not work. On XX/XX/XXXX my bank sent me a letter that says they we're unable to approve my claim because " The merchant provided documentation confirming you received the merchandise or service. '' The {$2200.00} charge is now back on my credit card account with no explanation on what documents were provided.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 168
1c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
"
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
"
Consumer complaint received 2023-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

"
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

"