davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-03
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Rubin & Rothman, LLC (NY)

This complaint against Rubin & Rothman & Associates for deceitful and unethical practices on collection action. In XXXX entered into a stipulated agreement for the amount of XXXX for $ XXXX. During COVID, my income became severely challenged as a result of increased expenses, depleted resources and caring for myself and family. The agreement was to make payments via check and/or money order monthly which became extremely difficult. In addition to caring for myself and family, where the entire household became ill I tried effortlessly to make payments to maintain my agreement. Nevertheless, in XXXX I received a phone call from said collector indicating that A default judgment eas entered for lack or failure thereof to make payments in a timely manner. At the time, I was dealing with medical issues for myself without compensation, which I advised the representative for R & R. I received no updates from the courts with regards to the judgement to dispute at the time due to the courts being closed to the public, severe backlog and trying to care for myself, an elderly parent and a child. Nevertheless, I spoke to a representative who states that documents would be sent, needed to be signed and to continue making said agreement amounts of {$50.00}. I continued to oblige to continue to make payments, where I can injured again resulting in an extended medical leave without compensation. I tried to toggle food, water and shelter and paying my bills until XX/XX/XXXX until I just couldn't manage paying any payments. I tried at the time to advise the reps at the agency, but their extremely rude, disrespectful and conduct their law firm with unethical business practices. I tried to reach out to XXXX as well whom the Rubin & Rothman is hired by and have yet to receive a response. Ive been had little no income since XX/XX/XXXX to XXXX of this year after returning to the workforce. There has been absolutely no correspondence received from Rubin & Rothman since the phone conversation in XX/XX/XXXX when there was an issue with payment and them being advised that I was on medical leave until XXXX of XXXX, receiving paperwork from XXXX XXXX Sheriff office for income levy and garnishment in the amount of {$11000.00}, which is way more than the agreed amount, no deductions of the payments made in the mount of XXXX XXXX I contact the attorneys office requesting a copy of the stipulation all payments made and have yet to receive. I have also filed a complaint with XXXX attorney general office for Unlawful and unethical business collection practices from this law firm hired by XXXX XXXX XXXX. I need for initial agreement amount to be reinstated, this judgement to be dismissed, the levy to be removed, a DEDICATED REP from XXXX to handle to my account to resolve this issue amicably.
Consumer complaint received 2023-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (IA)

Both my wife and I bank with Fifth Third Bank. Our sirect deposits were supposed to land in the accounts this morning. They have not. We are in a time crunch, as we have not paid all of this month 's bills this month. If we can not access our pay, we will face the foreclosure of our home, the diminishment of our credit, and the inability to cover crucial bills like heat, water, and food, and will need to drop out of civilization. Please have them address our receipt of pay immediately.
Consumer complaint received 2023-06-08
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: Experian Information Solutions Inc. (GA)

ON XXXX/XXXX/2023 There were XXXX unauthorized Hard inquires reported on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX please remove in accordance with 15 USC 1681.
Consumer complaint received 2023-01-24
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 (TX)

XXXX taking payments out that were Not Approved for XXXX $ on XX/XX/22 XXXX $ on XX/XX/22 XXXX $ on XX/XX/22 XXXX $ on XX/XX/22 XXXX $ on XX/XX/22 XXXX $ on XX/XX/22 Overdraft fee 3 times for XXXX $ on XX/XX/22 XXXX again for XXXX $ on XX/XX/22 XXXX again for XXXX $ on XX/XX/22 & XXXX $ on XX/XX/22 Overdraft fee for XXXX XXXX XXXX times on XX/XX/22 None of these transactions were approved and now my account is overdrawn so much money and I can Not use my debit card for important things now... I spoke with wells Fargo but they are not doing anything about it.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/XXXX Dear CFPB, I hope this letter finds you in good health and high spirits. I am writing to formally dispute several entries on my credit report and kindly request your assistance in enforcing my legal rights as a consumer. The following accounts, listed with their respective creditors, have had a profound and detrimental impact on my life : XXXX : Account number : XXXX XXXX XXXXXXXX : Account number : XXXX XXXX XXXXXXXX : Account number : XXXX XXXX  : Account number : XXXX XXXX XXXX XXXX  | XX/XX/XXXX XXXXXXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX : Account number : 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 These entries on my credit report have had a devastating impact on my life. I'd like to share with you a personal story that illustrates the emotional toll this situation has taken : Several years ago, my family and I experienced unexpected financial difficulties due to a medical emergency. As a result, we struggled to make ends meet and fell behind on some of our financial obligations, including those listed above. While we worked tirelessly to resolve these issues and eventually succeeded in getting our finances back on track, the lingering effects of these accounts on my credit report continue to haunt us. 

Despite our efforts to rectify our financial situation, these accounts remain unverified, inaccurate, and unfairly represent our financial history. This has made it nearly impossible for us to secure affordable housing, obtain loans, or pursue opportunities that require a favorable credit standing. The weight of these unjustly reported accounts has caused immense stress, anxiety, and feelings of helplessness for my family and me. 

In light of the violations I believe have occurred, I kindly request your assistance in enforcing my legal rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. Specifically, I request that the respective creditors remove these unverified accounts from my credit report, as they have failed to provide accurate and verifiable information. 

I understand the importance of accurate credit reporting and its impact on the financial well-being of consumers. I am committed to resolving this matter in a fair and equitable manner and am grateful for the Consumer Financial Protection Bureau 's support in ensuring that my rights as a consumer are upheld. 

Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] if you require any additional information or documentation related to this dispute. I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (CA)

I applied for a mortgage application on XX/XX/2024 and had my credit pulled. On a mortgage application it is required to pull credit from all 3 agencies : Equifax, XXXX and XXXX. I DID NOT GIVE CONSENT TO SELL MY INFORMATION and My mortgage broker did not sell my information but the credit agencies did! EQUIFAX, XXXX, XXXX. How is it legal for them to do sell my information without my consent? How can other lenders/broker BUY LEADS from you without gettting the consent from the Mortgage Broker that I hired to represent me?!

I received 40 phone calls in 1 day from other lenders and mortgage brokers offering their services and although i appreciate the opportunity to shop around for the best loan product for my situation, If I choose to shop around that is my choice and should be under my control. I do not want nor did I approve selling my contact information to these other lenders and brokers! I continued to get at least 20 calls and text messages every day for a week. 

Please help protect consumers with this illegal activity. Thank you!
Consumer complaint received 2023-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (DC)

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, a payment of {$35000.00} was wired to my XXXX XXXX XXXXXXXX Account. 

XXXX ) The following day, XX/XX/2023, I wrote a {$25000.00} check from my XXXXXXXX XXXX account to Wells Fargo. 

XXXX ) On XX/XX/XXXX, the deposited funds were noted as available in my account. 

XXXX ) However, on XX/XX/XXXX, around XXXX XXXX, I received a text message from Wells Fargo, informing me that I would not be able to access the funds in my account. 

XXXX ) Frustrated and concerned, I visited a local Wells Fargo branch around XXXXXXXX XXXX on XX/XX/XXXX, specifically the branch located at XXXX XXXX XXXX, XXXX, VA. The banker I spoke to informed me that the bank had the right to hold any check deposited via my mobile device for up to 10 days and that my funds would not be available until XX/XX/XXXX. When I inquired about the criteria triggering the hold, she explained that there was no fixed criteria, and they had the discretion to hold funds as they saw fit. 

XXXX ) On XX/XX/XXXX, I visited the Wells Fargo branch at XXXX XXXX XXXX, XXXX XXXX, MD, and met with XXXX XXXX, the Branch Manager. I presented my bank statement, clearly showing that the funds were already in my XXXX XXXX account at the time of the deposit into Wells Fargo. XXXX XXXX, too, was puzzled by Wells Fargo 's refusal to release my funds. He dedicated 45 minutes to advocating on my behalf, even contacting Wells Fargo 's fraud prevention unit, but unfortunately, his efforts were in vain. 

XXXX ) To this day, I have not received a satisfactory explanation for why my funds are being held by Wells Fargo. I was simply told that the money would be released on XX/XX/2023. 

Wells Fargo 's actions amount to fraudulent behavior, as they are withholding my money without any valid reason
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I asked the credit bureau ( s ) to check my credit report for accuracy and to verify the accounts on my credit report. XXXX replied that everything is accurate, XXXX and Equifax has not responded. After I checked my credit report I still find inaccurate information on my credit report and no response to me asking for verification. ( All accounts with star mark in front of them are the accounts ) Also you can see how XXXX has no name for my credit report and a previous address ( I have lived at my current address for over 2 years ) I have asked the credit bureau ( s ) to update my name and address. I have provided them with a copy of my driver license and SS # ( card ).

I asked the credit bureau ( s ) if they was familiar with 15 U.S.C Sec. 1681i ( a )?
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

XXXX an auto finance company financed a vehicle in my name without my authority or knowledge in XXXX of XXXX. Though I have repeatedly indicated to the XXXX XXXX that this was a case of identity theft. They have continued to report to the credit agencies a charge off of XXXX. The entire amount of the loan. In XXXX of XXXX my name was added to the title weeks before the XXXX XXXX charged off this loan. I have gathered copies of the contract and other documents and they show that the signatures are computer generated, all exactly identical. There are some areas where a signature belonged but is not present. This puts act to have been between the dealership which sold the vehicle XXXX XXXX XXXX  and the XXXX XXXX. I want immediate removal of this blight from my credit report and for XXXX to clearly follows the laws and due process I have as a victim of identity theft How it started Date fraud began : XX/XX/XXXX {$27000.00} I have no connection to XXXX AND NEVER bought a car through them the signatures were computer generated the vehilcle was the vehicle i leased through XXXX XXXX and turned in and two months later i get a bill for first month payment ..i contacted them immediately told them it was a mistake identity thedft or some ething but it was not me 4 months later they charged the vehicle off in my name and its still there nearly 2 years later
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (IN)

Subject : Consumer Complaint Regarding Identity Theft and Unauthorized Account Reporting Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, IA XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding identity theft and unauthorized account reporting on my credit report. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, specifically in relation to 15 U.S. Code 1681b, 15 U.S.C. 1681c ( 1 ), and 15 U.S.C. 1681c ( 2 ). 


Name : XXXX XXXX Email : XXXX Date : XX/XX/2023 The specific issue I am encountering involves several unauthorized accounts, including XXXX XXXX XXXX account number XXXX, Credit Strong account number XXXX, XXXX XXXX account number XXXX and,. I have never provided written consent for these accounts, and I strongly believe that they are a result of identity theft. The FCRA clearly states that consumer reporting agencies must obtain written consent before furnishing a consumer report to any party, as outlined in 15 U.S. Code 1681b. Furthermore, 15 U.S.C. 1681c ( 1 ) mandates the prevention of identity theft by blocking any information resulting from such an incident, without the need for written consent.

Despite notifying the credit bureau and providing evidence supporting my claim of identity theft, the unauthorized accounts have not been removed from my credit report. This failure to address the issue is a violation of my rights under the FCRA.

I kindly request your assistance in investigating this matter and ensuring that the credit bureau takes appropriate action to rectify the situation. I am seeking the immediate deletion of the unauthorized accounts from my credit report, as required by law.

Thank you for your attention to this matter. I look forward to a prompt resolution to this dispute and the protection of my consumer rights. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-12
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. (MO)

I sent a letter on XX/XX/XXXX to XXXX and Equifax to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., 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 XXXXXXXX XX/XX/XXXX
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (TX)

Experian Rent Bureau XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX  XXXX # XXXX XXXX XXXX XXXX MA XXXX XXXX I should not have any remaining balances on my account, I have a protective order that I presented to my apartment complex that relinquishes me from my lease BY LAW. I do not owe a remaining balance and this needs to be resolved ASAP. I thought this had been resolved on XX/XX/. However, when I tried to apply for a new apartment complex I was denied because there is a balance showing on my rental report which is inaccurate. The company that was involved with this screening was XXXX and they use Experian Credit Bureau to run their report. I would be happy to provide you additional documentation if needed such as my protective order, and email from my previous apartment complex stating I no longer have a balance. 

The companies involved are : Experian Rent Bureau ( false information of cost owed to previous apartment complex ) XXXX XXXX  ( The place at XXXX XXXX where I was previously a tenant ) and XXXX  ( where they are now receiving false information regarding my payment/tenant history- and they are a third party company for the apartment complex I currently applied at XXXX XXXX XXXX  ). 

Please see to this matter that it can be resolved quickly. Thank you.
Consumer complaint received 2023-12-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (TX)

Comenity Bank did not honor the Account Assure feature on the NY & Company store credit card account that I opened XX/XX/XXXX. I called Comenity Bank XX/XX/XXXX to ask for assistance during financial hardship due to illness and unemployment to recover from late payment fees that sent my account over the limit. I called the bank back and agreed to make minimum payments, however, late fees and over the limit fees continued to accrue, making any effort to pay useless. 

In XX/XX/XXXX, I called Comenity after a voicemail message from about the past due payments. Because I had no income, I asked if the account could be closed because I was not working and had no income, but they would not allow me to close the account in past due status. I asked about the Account Assure feature, and was told that I had to pay the past due balance before that feature could be used to keep my account current. I could not pay anything at that specific time. I called back in XX/XX/XXXX to try to make arrangements for partial payment, but the bank refused a partial payment and closed my account later in XX/XX/XXXX after refusing to allow me to close the account in XX/XX/XXXX. Within months, in XX/XX/XXXX, the account was closed and charged off. The bank added on late fees that ran the balance up to {$920.00}. The debt was sold to XXXX XXXX collection agency in XX/XX/XXXX. 

In XX/XX/XXXX, the account with XXXX XXXX was disputed and resulted in the account being deleted from my credit report, however, Comenity Bank has once again sold the account to ADS and the negative item is now back on my credit report since XX/XX/XXXX. The current balance is almost double the amount of the credit limit of {$450.00}. The last payment I made was in XX/XX/XXXX for {$28.00}. I did not receive any notification from ADS prior to the re-entry of the collection status for the Comenity Bank account on all three of my credit reports. 

ADS has not sent written communication to me to inform that they are trying to collect on a time-barred account, as the original account is past four years old. They are in violation of Texas HB 996 enacted on 9/1/ 2019 that states that buyers of old debts must provide consumers specific written notices in their first written communication if they are collecting a time-barred debt. The notice should tell that they can not sue to collect the debt and give the consumer information about whether or not they are reporting the debt on consumer credit reports. 

I have tried disputing the account, however, it still appears and updates with no explanation for the balance, and they have limited contact information. I have disputed the debt and requested deletion of the account at all three credit bureaus. The debt is still showing on all three reports.
Consumer complaint received 2024-04-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (CA)

I received an email from a company called Chime around XX/XX/XXXX that I opened an account and a debit card would arrive to my house soon. I also received an email from them about a line of credit. I never knew this company even existed. I never opened an account with them. I know my data is online from several data breaches and I have now taken steps to protect myself. Either someone tried to steal my identity or Chime is opening false accounts to inflate their numbers. It is really suspicious to me because the account was opened after I froze my credit. Really strange. Chime had my social, phone number and address. A debit card did arrive in the mail to my home. I tried contacting Chime via phone call & could not get to a person without them dropping my calls after a few minutes. After the first couple times it happened, I knew it was no accident and it's their intentional practice to make contacting them for assistance difficult. I finally found their email online & was able to communicate with them in writing to close my account. The auto message I received before connecting to a person said their email communication is ceasing after early XX/XX/XXXX. That's so wrong of them with how their customer service calls worked in my experience. I'm glad I was able to close my account with them ( hoping they aren't lying ) but something shady is going on with either Chime and/or my personal information. Like I said earlier, I have frozen my credit but I also bought a credit/data monitoring service & made a pin with the IRS. Other than that I don't know what else to do...
Consumer complaint received 2024-04-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

Citi cards is refusing to credit and close my account after they cashed my cashiers check for XXXX. Two days after cashing my check for the account the company then asked for a payment of XXXX and charged me for fees and interest. I told them this is unethical practices. 

Citi cards reconciled the check on XX/XX/XXXX and they still had not credit my account on XX/XX/XXXX. 

On Saturday, XX/XX/XXXX I called while I was in the bank to make sure I had all the correct information. The bank then printed out the screen that had the reconciled date on it and the image of the check. I am at work and can not add that currently but will be able to do so later tonigh. 

They still have not credit my account and it has been 7 days since the company cashed my cashiers check.