davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

I am a victim of theft. An individual ( s ) have accessed my bank account with Wells Fargo, and have drained my account. I believe the charges I disputed were over {$7000.00} in the amount of 48 transactions on my account. There were charges from XXXX and XXXX for {$100.00} back to back and within 1 minute of eachother. My card was cloned. I tried to tell the bank investigator this, but she denied that was even a possibility. I have tried to recoup my funds under the federal class E regulation, but Wells Fargo denies me protection and help to get my money back. I would like a MORE thorough investigation done immediately. My account is frozen, Wells Fargo will not let me have access to any of my money. I am a victim, yet Im being denied protection and the right to access my funds. This is highly unacceptable, as I have a family and young children.
Consumer complaint received 2024-03-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (MD)

Around XXXX of XXXX  my phone was lost and someone had accessed a few of my accounts like my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My credit cards were attached to those 3 accounts listed above. Someone purchased a plane ticket in a whole different state, using XXXX XXXX XXXX XXXX XXXX XXXX  I was charged for 2 out of 4 of the installments. After i reported the fraud Navy Federal Credit Union denied the dispute and put the charges back on to my account after providing multiple evidence of proof. They did no investigating whatsoever! I live in XXXX NOT XXXX  and I appealed the dispute and they just re-listed the fraudulent charges back onto my account recently. Which is ridiculous because it was my very first fraudulent charge after having them for 3 years. Their dispute process is utter garbage. I dont know anyone who lives in XXXX  and i did not authorize my card to be charged. My XXXX XXXX  also had a fraudulent XXXX charge on it also but i disputed and won the claim. But navy federal refuses to see the issue here regarding the unauthorized charge. XXXX XXXX  account was charged too but i didn't dispute the charge because i knew Navy Federal would do nothing about it. I've attached all of the evidence that was submitted to navy federal as proof.
Consumer complaint received 2024-03-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION (GA)

I sent NAVY FEDERAL a properly endorsed negotiable instrument for payment that was notarized. This security was sent via registered mail to address XXXX XXXX XXXX XXXX Va XXXX with a XXXX tracking code of XXXX which was delivered on XX/XX/2023 at XXXX AM EST. This instrument has been acknowledged but not processed to reflect on my account nor has the payment been returned to me by NAVY FEDERAL. 

I sent NAVY FEDERAL two letters to cure this matter in good faith. NAVY FEDERAL responded with three letters stating they were in receipt of the instrument and one of the two letters I sent. Their letter to me also stated that this does not release me from my obligation and I remain responsible for repayment. 

In NAVY FEDERALs response letter they labeled this as incident # XXXX. However, even upon repeated request NAVY FEDERAL has refused to either process my payment or return my payment ( security ) in its original form. 

UCC 3-603 ( b ) states that if tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.

I have tried to rectify this matter in good faith, but since NAVY FEDERAL has failed to properly perform their fiduciary duties I have been encouraged to report this matter to the proper authorities.
Consumer complaint received 2023-04-19
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: SYNCHRONY FINANCIAL (FL)

I have been trying for months to open and fund an IRA account with Synchrony Bank. The account has been opened ( account # XXXX ) and my employer, XXXXXXXX XXXX XXXX, has already sent the check for approximately {$50000.00} to Synchrony ( XXXX XXXX XXXX  ), but the check has not been deposited, and Synchrony keeps asking me for the same forms which I have filled out multiple times, before they will fund the account. As of today, that check is in limbo, somewhere with Synchrony, waiting to be deposited.
Consumer complaint received 2024-03-20
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: Experian Information Solutions Inc. (NY)

RE : EXPERIAN CREDIT REPORTING I have noticed 14 unauthorized inquiries on my report. According to the FCRA, these unverified and unauthorized items must be removed as soon as possible. 

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 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 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 XXXXXX/XX/XXXX Despite requesting these to be removed- this has been unsuccessful.
Consumer complaint received 2023-04-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (AL)

My mortgage has been in default since XX/XX/2022. I received a letter regarding a pending foreclosure scheduled to occur on XX/XX/2022. I have since come up with the full amount to cure the debt and attempted to make a payment on Monday, XX/XX/2022. On Monday, I was told that a reinstatement letter needed to be issued and was assured that the letter would be available by XX/XX/2022. I was advised that I would receive a call on that day and never received that call. I have tried to make the defaulted payment several times this week and have been given the run around as if the company is trying to buy time until the date of the foreclosure. They have advised me the reinstatement letter has still yet to be generated by the attorneys and can not provide me with consistent information. I do not know when this letter will come if its even going to come at all. I have the money to cure my debt but the company has been unwilling to cooperate with me making the payment.
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IN)

Midland Credit Management bought a fraudulent debt from XXXXXXXX XXXX in my name. They have now reported it to XXXX, XXXX XXXX, and XXXX. I already had this discharged from my XXXX report when the original creditor reported it, ( XXXX XXXX ), as they couldn't verify it was my debt. Now Midland Credit Management bought the debt, which has to be illegal, ( buying a fake debt ). It should have been illegal for XXXX XXXX  to even sell it. It's fraudulent.
Consumer complaint received 2023-06-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ARC Management Group, LLC (NY)

Medical debt from a car accident was paid by Insurance company but not recorded properly. Was then transferred to a debt collection agency ( ARC Management Group , LLC ) who was contacted by the insurance company at that time. Almost a year later a credit account with XXXX  was opened in my name for the amount of this bill and is reflected on my credit report. 

How can they use my SSN from my medical records to open an account in my name?
Consumer complaint received 2024-03-20
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. (AR)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

Around the date of XX/XX/year> I applied and got approved for a XXXX XXXX baXXXX XXXX XXXX XXXX. I paid my credit card on time and accordingly for 6 months. Events that took place in my life caused me to fall behind on my bills which caused XXXX to report 12 months of late negative history on my report. The FCRA clearly states under 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are still reporting this information to my consumer reports. Furthermore the account is listed as Charge-Off and to my understanding by definition The IRS clearly says a canceled or charge off is income. The reporting of this account as a debt is inaccurate.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-07-19
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. (NY)

I need to inform you I was the victim of identity theft. I'm disputing the accounts as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the accounts. They were opened without my knowledge, authority or consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-08-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (LA)

I am a XXXX XXXX XXXX and XXXX XXXX  Veteran. I had an XXXX XXXX visit that resulted in admission and XXXX XXXX. I advised the VA of my admission immediately. I was admitted in XXXX of XXXX and now I am receiving collection from Ability Recovery Services for over {$1800.00}. I've notified VA Community Care National Office with this information. The collection is now on my credit report.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX  XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/2018 Reference # : XXXX
Consumer complaint received 2024-03-20
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (FL)

I am writing to file a complaint against Credence regarding their debt collection practices, which I believe constitute harassment. The debt collector, operating under the phone number XXXX, has been repeatedly calling me at the following dates and times:

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
This is only a small sample of the calls that I can access in my recent call log. I called my mobile service provider today to request a full report on this number, but they advised I would need an attorney to request this of their legal team. They also see on their end no record of the calls, but when I showed them my call log on my phone physically, XXXX representative suggested this caller might use a "blocker." 

Additionally, I would like to provide context regarding the nature of this debt. According to them, it pertains to a medical debt from XXXX amounting to less than XXXX. Despite the relatively small amount, the debt collector's aggressive pursuit has made it challenging for me to address the matter appropriately. I have spoken to this alleged debt collector by phone once in late XXXX XXXX, but regretfully I do not have a record of the date and time. I requested information proving this debt was mine and supplied an address they could mail it to but have received nothing to this day to show it is a legitimate company or debt. I also asked them to not repeatedly call me during my working hours which was wholly ignored. This relentless pattern of communication, despite my requests to cease phone contact, has caused me significant distress and interfered with my daily life. I believe their actions violate the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from engaging in harassing behavior.

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Credence for their harassment and violation of debt collection laws.

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2023-11-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC. (TX)

Closed Claim XXXX from Midland Credit indicated that they attached documentation validating the {$740.00} debt that they are reporting on my credit. However, the original contract/application or any documentation that reflected my signature was provided. They did provide the credit card statements from several months and indicated that those documents ( see attached ) validated the debt. Again, this debt isn't valid!!!
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2022-11-23
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. (FL)

I have reached out to all three credit bureaus in an attempt to get information about an account that is being reported incorrectly. I have asked to see documentation that this account belongs to me. I want to see the original contract with my signature. Neither of the bureaus have been able to furnish this document and I believe it is a stall tactic on their behalf. They need to be able to provide this information, and if they can not, then they must delete it. It has been over 90 days and I have yet to receive a resolution or a response for that matter. Since the bureaus get paid for every item reported, I believe they are stalling on purpose and are not doing their due diligence.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (NY)

I contacted PHH Mortgage on XX/XX/23 regarding my credit report. I have been in contact with them several times since than via email and phone calls. PHH Mortgage is reporting my account is closed due to being included in Bankruptcy. I had filled an reaffirmation of the loan with them which was signed by the Bankruptcy court, my lawyer and PHH Mortgage during the Bankruptcy. The account should report being open and current. As they are sending me month statements and I'm making my monthly payments on time. I have had countless emails and phone calls with PHH Mortgage trying to correct this. It has only ended up with them sending me an email saying the bankruptcy is closed and the reaffirmation is not applicable to the loan. I have provided them all the paperwork that they asked for. I have contacted my Bankruptcy lawyer for the the reaffirmation paperwork and forward it to PHH Mortgage. I have been advised to seek an lawyer and seek legal matters pertaining to PHH Mortgage now.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (FL)

XX/XX/XXXX, CareCredit, Affiliated with Synchrony Bank, authorized a line of credit eventhoug my credit with all XXXX bureaus, XXXX, XXXX and XXXX, has Been locked and frozen since XX/XX/XXXX, It should be wiped off by default either by XXXX or Synchrony Bank fault,
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

Currently account is showing paid as agreed. No payment has been made on my behave I would proof of such payments. this would be incorrect reporting. Last Activity date across XXXX, XXXX and XXXX should be the same, another incorrect reporting.
Consumer complaint received 2024-03-20
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)

This is my second complaint against Experian. I filed a cfpb complaint and sent a dispute letter in the mail requesting all incorrect addresses, and incorrect spellings of my legal name be removed from my credit report. They have only updated incorrect addresses instead of removing these wrong addresses even after I mailed over copies of my Drivers license showing my current address. I also mailed out a copy of my SSN, and proof of mailing address to no avail. Which is not fair to me because what happens to my personal information if it is not updated in my credit profile? I am disappointed and concerned that my legal rights are being violated.Their are 6 different names on my credit which are all incorrect. Also two of the addresses listed are actual businesses, not single family homes or apartments. My father 's name is even listed, which is incorrect. I am unfairly being hurt by having these addresses and names that do no not belong on my credit report.