davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Credit Corporation (MD)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NAVY FEDERAL CREDIT UNION (MN)

On XX/XX/XXXX I filed for Chapter XXXX Bankruptcy in the United States District Court of Minnesota. XXXX XXXX : XXXX. I am still receiving letters and phone calls from Navy Federal Credit Union for 2 checking accounts that was discharged in bankruptcy court. The 2 checking accounts was under the following 2 social security numbers : XXXX and XXXX. Both checking accounts was discharged in bankruptcy court. My DOB : XX/XX/XXXX
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

After carefully going over my credit report on XX/XX/2020 I seen 3 fraudulent accounts and an inquiry that doesn't not belong to me. These accounts are identity theft and is causing serious harm to my credit profile. I wrote Experian on XX/XX/2020 they have failed to respond to me. I wrote them again on XX/XX/2020.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2024-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (OH)

I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Stating I owe {$30.00} to a Creditor which is PayPal Inc . 

I contacted Collector at XXXX and explained to them that this is fraud and I already have all 3 credit bureaus frozen. I have been dealing with Fraud for last 7 years on a regular basis. I never dealt with PayPal Inc . This is not my account or charges, this is Fraud.
Consumer complaint received 2022-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CADENCE BANK (AL)

On XX/XX/XXXX XXXX my grandmother pasted away and we shared a bank account, my family didn't help take care of my grandmother, I lived and stayed with her for 4 years taking care of her. My family started abusing the legal system by lying and making stuff up. In the midst of all that Cadence Bank allowed unauthorized People access to our account which resulted in the loss of a total of XXXX dollars. I have tried and tried time after time again to communicate with this bank and it does no good what so ever, I am handled like nothing by these people every time I make an effort they are always rude, the company is XXXXCadence Bank XXXX XXXX XXXX XXXX AL XXXX '' My grandmothers name and mine were the only XXXX names on the account. please help me resolve this issue. I am tired of being run over by these people and have not been treated fairly at all .... please help. 


Sincerely
Consumer complaint received 2020-08-14
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: The CBE Group, Inc. (TX)

Debt Collector, the CBE Group, contacted via email, a personal friend, XXXX XXXX, about a supposed debt of {$390.00} owed to XXXX XXXX. 

I have not authorized CBE Group to communicate with anyone about any debts I may owe. 

This is a direct violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2020-08-14
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. (VA)

XXXX and Transunion constantly failed to removed an alleged charged off account that is inaccurate and misleading I disputed this same account with XXXX and got it removed aren't they under the same standards as the FCRA to have it removed? The account has various inconsistencies across multiple bureaus different dates of last payment and activity the company the alleged charge off is assigned under wont even issue me a 1099-C for cancellation of debt yet they claim it was charged off - Please remove this account from my credit report ASAP I am trying to get a mortgage loan and this erroneous reporting is making it impossible.
Consumer complaint received 2020-08-14
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: Experian Information Solutions Inc. (VA)

I recently sent letters over 60 days ago to this bureau or theses bureaus and they are disregarding a regular consumer disputes. I'm stressed out and have been sending letters to have theses issues resolved before this and still no response. This is stopping me from pursuing my future for me and my kids
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

I have asked the credit bureaus to do a thorough investigation of accounts on my credit report that have been reported inaccurately. I have not received any verification or the information that I ask for in which would allow them to provide and report the information they have listed. 

They sent correspondence back saying that those accounts have been verified. How were they accounts verified and the information is still being reported inaccurately. The accounts that have been continuously being reported inaccurately are listed below : XXXX XXXX XXXX # XXXX - Reporting Incorrectly In accordance to the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 I read that it also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I recently sent letters over 60 days ago to this bureau or theses bureaus and they are disregarding a regular consumer disputes. I'm stressed out and have been sending letters to have theses issues resolved before this and still no response. This is stopping me from pursuing my future for me and my kids
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: GOLDEN 1 CREDIT UNION, THE (CA)

This company Golden One stole XXXX from me and had been improperly reporting my credit card pavement as late as they had when I paid to it in the wrong account now I have found out they purposely done this things. I have been with this bank for over 20 years and this company as reported me negatively to the credit agency. In fact I had a identity theft on my account and this company tried to turned it around on me. In fact this company had wrongly report myself to the adult protection agency claiming I was trying steal money from my boss who rarely even pays my work balance. In fact this company told the adult protection agency XXXX that my account was overdrawn they have been given out my bank information to anyone and for that have violated their own policies. In fact they have not resolved the problem and now the company is has the adult agency investigating me based on a lie their company told out vindication ans spite. False reports are a crime and so is giving the adult agency personal business is not something that this company should have done. This company has been racist to me since I have been with them and tent are stil racist,  practicing lies and undermining me a a person.
Consumer complaint received 2020-08-14
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: AMERICAN EXPRESS COMPANY (LA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-14
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (LA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-01-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (LA)

My XXXX XXXX, XXXX. I had two cars repossessed by Wells Fargo. I was making my payments. They told me I had to turn them in. I seen a news article that said if I hadnt been contacted by Wells Fargo, to submit claim. Vehicle was purchased at XXXX XXXX XXXX. I had to still pay the loan, file bankruptcy and pay a lawyer
Consumer complaint received 2015-08-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (MA)

I received a short period service from XXXX XXXX in XX/XX/XXXX. I closed the contract and XXXX charged me a fee. XXXX tried to collect this ( {$190.00} ) and I did not pay it. For XXXX years this account has been sold to different Bill Collector Companies. Every XXXX years I have different company telling me that they trying to collect this money on behalf of XXXX. Now, the company that has this account is Diversified Consulting ( XXXX : XXXX ). I now is the obligation of creditor to collect debts. However, is there a statue of limitation for creditors to report this debt to Credit Bureau? Every time they sell it to another company, it shows as new debt. For example, I was told by the company that this debt is from the year XX/XX/XXXX. What should I do?
Consumer complaint received 2020-08-14
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: Bread Financial Holdings, Inc. (MA)

How are you? During this COVID-19 i been diligently reviewing my credit and I was shocked when I reviewed my credit report and found late payment on the dates below from XX/XX/XXXX & XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-08-14
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. (OH)

The following inquiries on my credit report were not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

While checking my credit report I discovered items that have unverifiedinformation. I was in XXXX XXXX, XXXX, OH from XX/XX/XXXX - XX/XX/XXXX. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ( x3 ) XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MD)

This summer, Brooks Brothers transitioned my store card to a XXXX. I had a certain amount of time to accept the offer and then the old card balance would be transferred and a new XXXX would arrive. On XXXX XXXX, I tried to make a payment on my store card, which was due XXXX XXXX. The balance was XXXX out. No payment was due. My replacement card was supposed to be sent on XXXX XXXX. I have not received it. Nor do I have the full account number to access details on the automated system. Yesterday, I received a bill saying the XXXX payment was past due and I was levied a fine. I logged in again last night and, again, my balance was XXXX  out and no payment was due. I tried the number on the back of the card [ XXXX ] but that now funnels me into a line that says they are trying to collect a debt. I chatted with a customer service rep last night but that was no help. I do not know when I will receive information about the XXXX account, which appears to have been activated. And I can not reach a human being over the telephone. I took a screen shot last night that shows I am physically unable to make a payment. I should be able to make last month 's payment and future payments and I should not be charged a late fee or missed payment fee.
Consumer complaint received 2024-04-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (FL)

I lost my employment XX/XX/2024. 
My checking account is overdrawn. 
I have explained my situation to TD bank. 
Funds will be deposited as soon as possible. They are calling me 3 times a day asking to bring account current. The calls are now playing in my mental health., they start calling at XXXX XXXX XXXX up to XXXX. I am looking for work and stalled harassed by TD bank wearing on my mental health. I ask TD bank and was transparent with TD bank regarding my financial situation. The calls are distressing. I do not have a job. I am trying to obtain employment
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CREDIT ACCEPTANCE CORPORATION (LA)

The vehicle was purchased by and awarded to my ex-husband in the final judgment of our divorce. He decided that he didn't want to keep the vehicle and arranged for Credit Acceptance to repossess the vehicle. I was contacted by Credit Acceptance and informed them of the above information.
Consumer complaint received 2022-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2022 I went to the Wells Fargo branch at XXXX XXXX XXXX XXXX in XXXX XXXX to make an atm deposit. I inserted {$240.00} into the machine. The machine started spitting bills back and ultimately could not complete the deposit. I requested that the machine give me my money back. It proceeded to provide me with {$140.00} and ate a {$100.00} bill. I opened a claim with Wells Fargo within XXXX minutes. I followed up with them about XXXX weeks later and they told me the claim had been erroneously closed. I opened another claim. I just spoke with them today and they informed me that the XXXX claim was closed because they counted the money at the teller and it showed I only deposited {$140.00}. The money was eaten by an ATM so it would not be at the teller, which I have explained to them multiple times. I have even offered to provide them with both the bank and the atm numbers so that that they could further look into it and I was told that they did not need that information. I have gone ahead and closed my account with Wells Fargo due to their horrible customer service and their lack of investigation
Consumer complaint received 2020-08-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (IN)

On XXXX XX/XX/2020 I sent my mortgage payment for XXXX. The first week in XXXX I received a check for {$680.00}. The letter attached said " Escrow Over Payment. '' I detached the check and still have it. I called Loandepot after a few days. They said I was late on my XXXX payment. I wasn't they sent the payment back to me. I told the representative that it was not my fault. They should have transfered the money to the new loan which is an " XXXX ''. I never would have been late if it weren't for their mistake. Now on Monday I submitted a payment to them. Over {$1100.00} to catch up for XXXX and now XXXX. They failed to take the money and have no record. I resubmitted the payment after looking at my bank account and noticed they didn't take the first payment. That was Wednesday. I asked the rep if this was going against my credit? She said they submitted a m, thirty day late letter to the credit company. Why? I told the lady you gad the money and failed to apply it to the new loan, sent me the money back late and this forced me to be late. There are two account numbers associated with this account. Now I don't know if they ever tried to call me about this mix up. However I get scam calls all the time and if they didn't use a proper loandepot number I was unable to answer the phone call. I need my credit restored and want a written apology.
Consumer complaint received 2020-08-14
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. (IN)

I had a credit card with XXXX XXXX XXXX. There was only a {$300.00} limit on the card but I still managed to rack up a {$610.00} balance due to interest and late fees. I had a past due balance ( Covid contributed to my inability to pay ), and was unable to make payments. On XX/XX/XXXX, I was able to call credit one and negotiate a settlement. I paid them XXXX that day and they agreed to waive the remaining balance which consisted of interest and late fees. It didnt reflect on my credit score so I called them and they told me first it would show my payment and then after that next cycle, it would show it is paid in full. I just received investigation results from a TransUnion dispute that states all info is accurate and there is a {$610.00} balance on my account. This is inaccurate and needs to be changed. Im working very hard to pay off my debts and improve my credit so I can buy a house for my kids and this is not helping. Thank you.