davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Weber & Olcese, PLC (MI)

I received a letter or garnishment served on my employer for an old account. They have been garnishing my check ever since. XX/XX/XXXX the last payment was taken from my check showing the garnishment was paid in full. Monday XX/XX/XXXX the same company emptied my checking & savings account of {$720.00}. I called and couldn't get anyone to talk to me. So I went thru the provider line and got someone that way. I explained what happened she said that her records indicate I still owe them {$200.00}. She said she would have an attorney look at it and let me know. But they are not responsible because they haven't received the last payment yet.
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: First Help Financial, LLC (UT)

Good afternoon, I denounce that without legitimate authorization, was consulted by XXXX financing entities for the purchase of a vehicle, I do not know since I have a vehicle of my own without credits, I only approached the car plaza to ask the cost of a vehicle, NEVER AUTHORIZE THEM TO CONSULT FINANCIAL INSTITUTIONS, FOR WHICH I DENOUNCE THIS UNPROFESSIONAL AND daring BEHAVIOR on their part, when I observe it is that I was consulted by these entities : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has been denounced is that I never gave my approval to the vehicle sales store and neither to financial institutions, for notifications to my email address.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

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 2024-05-23
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. (GA)

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am writing to express my utmost discontentment with the continued existence of fraudulent accounts on my credit report. Following the reporting of this identity theft, I contacted the company related with the fraudulent accounts. While they confirmed the validity of the report, they stated their inability to provide records. However, they assured me that the fraudulent accounts would be instantly abstracted. Both XXXX and XXXX have already removed these accounts from their records after distinguishing and rectifying an error. I am at a loss by your confirmation of these accounts when the other bureaus have already removed it. Please delete these accounts from my file, as it is inaccurate, erroneous, incomplete, or unverifiable. 

DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (NJ)

on XX/XX/2023 Wells Fargo decided to close my account because i received a wire that was not setup correctly from the person who sent the money to me. I explained that it was not my fault and they should go by the Fed # system related to the wire but they had frozen my account since then and set up a closer date on XX/XX/XXXX  and they extended the closure multiple times, ever time i call, they give a new date, it was supposed to close and today XX/XX/. they said, the closure date is XX/XX/XXXX  but i know they will extended it at that time again. 
This is not fair and i really don't understand why they are doing this, i can't use my money at all. 
I already went through the hassle to change all my payments/direct deposit to the new bank i opened. 
please help. 

thank you for your time
Consumer complaint received 2023-09-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (SC)

Actually I got debit card fraud and they file a claim and they said it will take 10 business days to complete claim, but after business they denied my claim and they said I will not receive my money. So I want to file complain for why my file denied?
Consumer complaint received 2024-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I have a second mortgage with Bank of America and was placed in the Making Homes Affordable program. Once that ended, I set my payment to automatic payments for years without a problem. I was told that the loan had matured, and they could do a loan modification. The problem was that my automatic payments were still coming out of my Bank of America account, and the loan modification department was applying the loan modification amount along with the debited amount to satisfy the requirement for the modification. Which was approved, but there was an overture in my account with the mortgage applied to the loan principal, without my permission and reporting me late. 

The status for two ( 2 ) payments shows funds received unapplied, this is electronic fraud. I'm a XXXX XXXX XXXXXXXX veteran, and this is wrong.
Consumer complaint received 2023-08-09
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. (AR)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items 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 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
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, 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. (CA)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (NC)

Every 2 years since XXXX or XXXX, XXXX XXXX, now it's Southwest Credit Systems, has been ruining my credit on XXXX. Throughout the years, they have sent collection companies from different states that continue to call me during all times of the day from different phone numbers. I have to dispute this every time. Then my credit scores go up after it's cleaned from my credit, and then it crashes when XXXX XXXX ( Southwest Credit Systems ) finds some way to get into my credit. It's been a repeated cycle since XXXX, resulting in XXXX or so points dropping each time. My consumer rights have been violated with these tactics. I am also worried that I'm a victim of identity theft. I have no business with XXXX XXXX and Southwest Credit Systems.
Consumer complaint received 2023-12-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (DE)

Venmo did permanently limit my account on XXXX of XX/XX/ with the promise to release my funds 120 days later. however they keep my account locked! I can not add a new bank account to withdraw my funds. Venmo does not reply to my emails! it looks like they just fool people keep them waiting and hope that they forget about their funds! Venmo owes me {$1500.00} and I want my money!
Consumer complaint received 2023-11-21
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. (CA)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$250.00}
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

The open dates for are not accurate and the account numbers are invalid. Asterisks, never represents or corresponds to approproate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Consumer complaint received 2023-03-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (TX)

Deposited a refund check for {$530.00} on XX/XX/2023 into my personal checking account. On that same day Navy Federal Credit Union deducted {$450.00} from that same personal checking account without my permission to apply to a Navy Federal Credit Union Unsecured Credit Card charge off account with a balance of {$9200.00}. The remaining balance on that account is now {$8700.00}. I called Navy Federal Credit Union and told them I want my money returned to my account and they refused and said they will continue to take money from my account whenever they want until the balance is paid off or I call and make payment arrangements to voluntarily pay down the balance which I will not do because I am unemployed disabled and have no money left to pay for anything.
Consumer complaint received 2023-05-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (FL)

Hurricane Ian, XXXX XXXX in XX/XX/XXXX, UWM gave us a 3 month forbearance plan to add the mortgage payments to the end of our mortgage. This was extended an additional 3 months to begin XX/XX/XXXX. After the plan was coming to an end in XX/XX/XXXX, UWM sold the mortgage to XXXX XXXX XXXX XXXX  and would no longer be able to help with our repayment plan as promised. We called UWM multiple times talking to XXXX, XXXX XXXX and XXXX. All of these discussions nothing was talked about except adding these 6 payments to the end of the mortgage and that we would be able to talk with UWM after the end. XX/XX/XXXX. 
UWM conveniently sold the mortgage XX/XX/XXXX. As a result of UWM not honoring what their representatives stated, we received a letter from XXXX XXXX XXXX XXXX  dated XX/XX/XXXX, stating that our loan is in default, and they want to foreclose on the mortgage instead of doing what UWM said they would do originally. 
I always made sure that UWM representatives understood that we wanted to add the payments to the end of our mortgage. We were never told anything about a possible foreclosure. 
We live on a very limited income and value our credit scores. I have been on XXXX and my wife is on social security income. This caused us to go out and get a loan to pay off the forbearance plan and get it up to date so we would NOT lose our home. 
Shame on you.
Consumer complaint received 2023-09-25
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-09
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 want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX  TX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$190.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$440.00} ; XXXX XXXX XXXX  XXXX Balance : {$740.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX : {$620.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$440.00} ; XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXX XXXX {$1200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} ; ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$270.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-05-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2023, Bank of America closed my debit card with a balance of over {$6000.00} and promised to send it to me in the form of a check within 15 days. But, it has been over 2 months and I have not received the check yet.
Consumer complaint received 2023-08-09
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. (NC)

My name is 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 2023-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (NY)

XXXX Bank is contacting all my family members regarding a debt I am disputing. They are attempting to collect a debt via phone calls to my family members. In Violation 805 ( b ) of the Fair Debt Collection Practices Act, it is illegal for debt collectors to call your family members to discuss your debt.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Stenger & Stenger, P.C (KY)

I have multiple reports of trying to reach out to these companies and try to settle and/ or have these removed. Creditor : XXXX XXXX  sent me to a third party XXXX XXXX and they are trying to get {$380.00} from me but they were already paid and removed from my report by a debt condsolidation company. All of these have been disputed with the debt consolidation company and they were resolved yet they have not been removed off of my credit report. I am asking to have these collections removed. XXXX XXXX, XXXXXXXX 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 

These are all listed on my credit report as paid but charged off. This is wrong as an account can not be listed as charged-off and paid on my credit report the remark is incorrect and I would like to have it removed. I have been sending them letters since XX/XX/2023 with the latest letters being sent on XX/XX/2023 and have given them all enough time to get these removed without having to get you involved but it is not working and I need help.
Consumer complaint received 2023-08-29
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. (AL)

My identity was used to open accounts and after reporting this issue the bureaus seem to not have removed these collections and other inquiries off my credit report. 
They are in violation of 15 US Code 1681c-2 and 1681b. My information was sold to third parties without consent by consumers who seem to not be able to provide signature verification on consent.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent several letters to Transunion about a negative report that is showing up in my credit profile. I am not going to allow Transunion to continue to violate my rights under law 15 USCa ( 2 ) ( b ). They have not yet provide me with anything I have asked for.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OH)

I have requested XXXX  and experian to make a full investigation on the bankruptcy they are reporting ( Reference number XXXX XXXX  XXXX ) and to tell me who's the source they are using to gather this information. These XXXX credit bureaus are the only ones reporting this information on my credit report. I have tried numerous times to get this information from them and they take forever to not give me this information and I believe that is because they don't want to remove this bankruptcy from my credit report if needed. At this point I feel discrimination against my person. This is mentally disturbing for these people to do whatever they want with people 's lives.
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, 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. (MI)

XXXX XXXX XXXX, XXXX XXXX Na, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX bank XXXX, XXXX of XXXX, XXXX XXXX NA, XXXX, XXXX, XXXX XXXX NA, XXXX MAIN, XXXX Card