davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo offered the ability to withdraw mortgage payments on days I choose. I chose to remove half the payment on one  paycheck day and the other half on the other pay day.. I get paid twice  a month ... I sent the letter in and left the account servicing to Wells Fargo which did not happen. They removed half the payment on the XXXX of the month and then stopped ... the other day was supposed to be the XXXX.. however the account was not paid in full by the XXXX so they didn't remove the next half. I was overseas and didn't have the ability to check my account daily. in addition the phone number that Wells Fargo had as my primary was in error. they had the correct number but never tried it. they kept trying to use the wrong number ... I was never aware that the auto debit withdrawal program I was on with Wells Fargo was not working correctly. I didn't know when they received the letter and had no idea how they were going to make sure the mortgage payment was to be managed ... it is taken out normally on the XXXX of every month in one lump sum.. however as I mentioned previously they offered the ability to have it taken out to coincide with days more beneficial to my own personal finances. I explained in numerous complaints that they service my escrow account for my mortgage by paying property taxes and homeowners insurance on time and in the correct amount so why is it that they cant figure out how to auto withdrawal my mortgage correctly? no warnings nothing to let me know the account was going to be 30  days late. they refuse to remove that credit hit costing me about 55 points or more.
Consumer complaint received 2024-03-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

It has come to my attention that there are errors on my credit report. The account number XXXX XXXX XXXX XXXX amount XXXX usd. I am demanding the proof be provided that these accounts are in fact mine or removed. Simply verifying that names, addresses and/or Social Security numbers match is insufficient. That s what fraud is, using information belonging to someone else to obtain credit. DO NOT tell me I need to file a police report, as there is no requirement to do so under the Fair Credit Reporting Act. Is your obligation under the FDCPA to prove it or remove it. In XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, the courts said, during a dispute and subsequently investigation, with the original creditor, collector, or a credit bureau, that the original creditor or collector must provide account level documentation. 
That means an original contract, or similar proof, not just a printout of the payments that were made. I am also notifying you that pursuant to 15 USC 1681 ( a ) that you should be aware that information furnishers have lost number suits and are unreliable I will wait the appropriate time as prescribed by law at which time I will proceed to protect my good name and avail myself of any and all legal rights, including but not limited to look at auction.
Consumer complaint received 2020-04-08
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. (CO)

I received an email that I had two hard inquiries on all three  creditu bureaus in one day. I called XXXX  and they said they could not take them off. I have since put a freeze on my credit with all 3 credit reporting agencies. I've also sent in a dispute that these inquiries are fraudulent, as I did not make them. I want them removed from my credit report, but the agencies are saying they can not do that. 

XX/XX/2020 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2020-04-08
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: EQUIFAX, INC. (CO)

I received an email that I had two hard inquiries on all three  creditu bureaus in one day. I called XXXX  and they said they could not take them off. I have since put a freeze on my credit with all 3 credit reporting agencies. I've also sent in a dispute that these inquiries are fraudulent, as I did not make them. I want them removed from my credit report, but the agencies are saying they can not do that. 

XX/XX/2020 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2020-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I would like to file a Complaint against Bank of America here Is the reason why. 


M name is XXXX and I was scammed majorly. I was offered an opportunity to advertise for XXXX XXXX and was provided a check, which I deposited into my account. Unfortunately, my bank ( Bank of America ) let the check clear right away and I withdrew money. The check ended up being counterfeit and I am now {$2100.00} in debt due to this fraud. I have an open case with the fraud department with the bank and with local police department. I have called my bank numerous times to stop all transactions from withdrawals to deposits. The bank put a freeze on my account, but they are still allowing deposits to go in without my permission. After telling the bank over and over that this account has been defrauded, they are still allowing monies to go into the account. I cant understand how a bank can allow any activity with a defrauded account. I have tried to stop this, but they continue to let money in the account. I have lost my paycheck for the week and I am so trying to save my stimulus check. Unfortunately, no one is available to assist me with changing my account with the IRS due to their overload and my bank will keep the stimulus check which I need terribly at this time. I don't know who else to reach out to, to help me resolve this. I work in XXXX XXXX   and my hours are lowered due to COVID 19. I am desperate to stop the bank from taking my check because I need it to survive at this time. 


My fraud case number is XXXX Police report number is XXXX I look forward to hearing back from you and get this resolved Sincerely XXXX XXXX, XXXX
Consumer complaint received 2020-04-08
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: LEXISNEXIS (IL)

I sent a certified letter asking them so sent me a Method of Verification for my bankruptcy and if they couldn't please remove from my report and they said it was verified through LexisNexis who sent me a letter stating the XXXX or XXXX  never responded to their request. LexisNexis, XXXX nor XXXX  has sent me the Method of verifying this information.
Consumer complaint received 2020-04-08
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: EQUIFAX, INC. (IL)

I sent a certified letter asking them so sent me a Method of Verification for my bankruptcy and if they couldn't please remove from my report and they said it was verified through XXXX who sent me a letter stating the XXXX or Equifax never responded to their request. XXXX, XXXX  nor Equifax has sent me the Method of verifying this information.
Consumer complaint received 2020-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (SC)

I had a phone call with Jefferson capital over this debt. They said that they would except a payment of XXXX and that they would then close the account and mark it as closed. They also said that they would remove it from my credit report. None of which has happened. They still continue to call and harass me. Send letters in the mail and argue with me about what has happened. This continues to hurt me in more than ways. It not only hurts my credit score which hurts me while trying to get a house and other loans but also they want more money than we had discussed. They have already gone back on their word and I do not trust them to keep it this time around either.
Consumer complaint received 2022-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (HI)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2023-01-06
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. (TX)

In accordance with the fair credit Reporting act XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15USC1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-06
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. (NY)

i have unauthorized inquiries on my report. i would like to get it remove if you can not provide proof such signature that i prouvide these account. according to the FCRA ANY inaccurate account thats not 100 % verifiable or accurate must be removed. please remove immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-06
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. (AZ)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXXXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2020-04-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AMERICAN EXPRESS COMPANY (IL)

XXXX XXXX on XX/XX/2020 American Express called me trying collect a debt of a family member from an old corporate credit card. 

The customer service agent over the phone " You are not personally liable but I don't know how this effects your credit score as a supplement ... you need to tell me the plan for the account ''. Heavily indicated that my credit score will be negatively effected if I don't figure out how to pay thing. I believe that is a misrepresentation.
Consumer complaint received 2020-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (HI)

Complaint is against portfolio recovery associates : XXXX XXXX Claimed to have a report of a debt to XXXX XXXX credit card, the account is removed from my credit report & is fraud helmet, claims that the account is still active on credit report, harassment calls everyday.
Consumer complaint received 2024-04-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of FDCPA which it prohibits. They furnished this account that we didn't agree upon, and i didn't sign an agreement on. A legal contract is signed by XXXX parties and i did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which makes this unfair practices. According to FDCPA im entitled to one-thousand dollars per violation and clearly they violated my right.
Consumer complaint received 2023-01-06
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. (LA)

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 2020-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NJ)

I have already filed a Police Report for somone using my ID to open up fraudulent accounts and putting things in my name. Please see the FTC ID theft report. Please delete this fraudulent account at once.I also had a fraud account from Midland Credit Management INC XXXX Midland Funding LLC XXXX never had this account or done any business with this company
Consumer complaint received 2024-03-19
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XX/XX/XXXX 

Account Name : XXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : Untitled Account Number : XXXX and list of Inquiries. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (NV)

WELLS FARGO CRD SVC is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$800.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2011 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2020-04-08
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)

ftc violations XXXX XXXX : If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court. 

XXXX XXXX XXXX : FTC Action Halts Allegedly Illegal Tactics of Payday Lending Operation That Attempted to Garnish Consumers Paychecks SHARE THIS PAGE XXXX XXXX XXXX FOR RELEASE XX/XX/2011 TAGS : Consumer Protection After the Federal Trade Commission filed an action in U.S. district court, a payday lender that allegedly attempted to illegally garnish consumers wages has agreed to stop the challenged conduct pending trial. 

As part of its continuing crackdown on scams that target consumers in financial distress, the FTC complaint alleges that XXXX XXXX, XXXX, doing business as XXXX XXXX and XXXX XXXX XXXX, along with other defendants, illegally attempted to garnish consumers wages without obtaining a court order, to collect payments on payday loans. As a result, the defendants illegally revealed consumers supposed debts to their employers and deprived consumers of their right to dispute the debts or make payment arrangements, the FTC alleges. 

According to the FTC, defendant XXXX XXXX XXXX operates XXXX XXXX, XXXX, and several related businesses in XXXX XXXX, South Dakota. The defendants offer short-term, high-fee, unsecured payday loans of {$300.00} to {$2500.00} to consumers throughout the country, advertising on television and through websites such as XXXXm and XXXX. 

XXXX inquires : creditor contract XXXX XXXX XXXX XXXX XXXX XXXX ( twice )
Consumer complaint received 2024-01-04
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. (NC)

I the consumer do not have access to the XXXX application, it states my application has been cancelled meaning the Agreement between XXXX and I has been cancelled. Furthermore I do not have access to XXXX Terms of Service, Partner Credit Agreement, and Account Opening Disclosure and there has been no email provided to me the consumer evidencing XXXX Terms of Service, Partner Credit Agreement, and Account Opening Disclosure and my account has been closed. Regardless as a Federally Protected Consumer I am now opting out of any and all authorization I the consumer may have giving you by way of XXXX Terms of Service, Partner Credit Agreement, and Account Opening Disclosure to disclose any of my nonpublic personal information provided by I the consumer to XXXX, any nonpublic personal information resulting from any transaction with I the consumer or any service performed for the consumer and otherwise obtained by XXXX. I am now asserting my unequivocal right to opt-out of the sharing of my nonpublic personal information per the Gramm-Leach-Biley Act ( GLBA ) specifically 15 U.S.C. 6802. Failure to honor my Opt Out Notice is evidence of XXXX XXXX XXXX, depriving me of my right to Financial Privacy, as well as depriving me of my right to Equal Protection Under the Law.
Consumer complaint received 2022-02-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (TX)

Every month the Social Security Office deposits my benefits directly to my checking account at JP Morgan Chase Bank. CHASE BANK NEVER NOTIFIED ME THAT THERE WOULD BE A FEE FOR THE WIRE TRANSFER AND IT WAS BY CHANCE THAT I DISCOVERED THIS... I SUPPOSE IT WENT ON FOR YEARS. I HEREBY FILE A COMPLAINT AGAINST CHASE FOR FRAUD AND ABUSE OF A XX/XX/XXXX CITIZEN ( I AM XXXX YEARS OLD ) RIGHT TO INFORMATION. CHASE ONLY DEPOSIT {$2000.00}
Consumer complaint received 2020-04-08
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. (TX)

ftc violations XXXX XXXX : If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court. 

XXXX XXXX XXXX : FTC Action Halts Allegedly Illegal Tactics of Payday Lending Operation That Attempted to Garnish Consumers Paychecks SHARE THIS PAGE XXXX XXXX XXXX FOR RELEASE XX/XX/2011 XXXX : Consumer Protection After the Federal Trade Commission filed an action in U.S. district court, a payday lender that allegedly attempted to illegally garnish consumers wages has agreed to stop the challenged conduct pending trial. 

As part of its continuing crackdown on scams that target consumers in financial distress, the FTC complaint alleges that XXXX XXXX, XXXX, doing business as XXXX XXXX and XXXX XXXX XXXX, along with other defendants, illegally attempted to garnish consumers wages without obtaining a court order, to collect payments on payday loans. As a result, the defendants illegally revealed consumers supposed debts to their employers and deprived consumers of their right to dispute the debts or make payment arrangements, the FTC alleges. 

According to the FTC, defendant XXXX XXXX XXXX operates XXXX XXXX, XXXX, and several related businesses in XXXX XXXX, South Dakota. The defendants offer short-term, high-fee, unsecured payday loans of {$300.00} to {$2500.00} to consumers throughout the country, advertising on television and through websites such as www.bigskycash.com and www.westernsky.com. 

XXXX inquires : creditor contract XXXX XXXX XXXX XXXX XXXX XXXX  ( twice )