davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Source : Experian Date Submitted : XX/XX/XXXX. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Source : Experian Date Submitted : Amount XXXX I disputed for accuracy requested verification of dates I knew the account was closed I ported my number out from XXXX to my current company Id been with for over 5 years now I even contacted the collection agency they could give me no proof of the dates
Consumer complaint received 2022-05-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Paramount GR Holdings, LLC (AZ)

I sold the house and transferred the solar to the buyer. The title company sent the GoodLeap all the requested info and they even cashed a check for their fee but they have still not transferred it and it's still in my name for something no longer owned by me. They have failed to take ownership and ensure this is resolved.
Consumer complaint received 2021-12-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (FL)

We are long term Wells Fargo customers. Savings, checking, home equity and XXXX, and direct deposits. We check our bank account activity every day. In early XX/XX/XXXX we noticed a few checking account transactions for less than {$1.00}. These were quickly followed by two withdrawals of {$1000.00} and {$1500.00}. We immediatly notified Wells Fargo of this theft and the account was frozen and a new account established. The stolen funds have been refunded. Within a week of the thefts there were five {$300.00} thefts via XXXX from the new checking account to the same person. We didn't request these transfers and do not know the person to whom the funds were transferred hence didn't get our usual notice from Wells Fargo of these five XXXX transactions. There was also an unsuccessful attempt to take funds from our home equity account. I immediaely filed a police report with XXXX and it is an active case, XXXX XXXX. Wells Fargo refuses to refund the {$1500.00}. 
We have met 4 times with representatives at the local bank branches, two hours each. ( names and dates available ) Their only action was to submit a complaint to their XXXX XXXX XXXX Office. We met 5 different people on the phone for hours from XXXX XXXX XXXX Office.They also told us that we should feel fortunate that we only lost {$1500.00} as they see so many customers who loose everything. After the 2nd letter of rejection and decision to not refund the {$1500.00}, I requested a meeting with an area vice president. The bank manager said that the meeting could only be set up by the XXXX XXXX Dept. When speaking to the XXXX XXXX Dept, ( names/dates available ) they told me that only the local branch manager could arrange that meeting. XX/XX/XXXX I emailed a note to XXXX XXXX XXXX, XXXX and XXXX of Wells Fargo. No response ( I did not expect anything from him, but certainly from someone who moniters his emails ) Seven days later, I emailed the same note to the XXXX of Wells Fargo. We received a call and spent over an hour on the phone and were told that she would be our advocate and look into the case. She said, at first glance she sees things that appear odd. One week later we received another letter declining any reimbursement. 
We would appreciate any help you can provide to resolve this issue the same way as the theft from our checking account.
Consumer complaint received 2019-11-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (MO)

I just got notification from my credit report that I had a " NEW '' collections from a company called " I.C. System, INC added to my account. When I looked at the detail it was for a company I spoke to last week because I received a letter from them in the mail that I owed them money. When I called I was told it was for an old debt with XXXX XXXX XXXX from years ago. I asked them to send me information to validate this debt because I do not owe XXXX XXXX XXXX any money and I do not have anything validating the debt and now its on my credit report? I do not owe XXXX XXXX XXXX any money as I spoke to them on the same day of that phone call and spoke to their customer service representative on XX/XX/21 that told me I not owe them anything. I have her customer ID written down at work if it is needed. Now, back years ago I was an XXXX XXXX XXXX customer and they were running a promotion to switch to their XXXX XXXX side so I did. I had an issue after this promotion that they were attempting to collect a balance on which was incorrect since I was still a paying XXXX XXXX  XXXX XXXX customer. I spoke to them/wrote a letter which I assume they still have all on file and it was all taken care of and I never heard of anything again because I had been a continuous customer for years of XXXX XXXX XXXX XXXX customer until actually just recent when I am in the process of moving. This company is attempting to collect a debt that is not valid and is fraud.
Consumer complaint received 2017-08-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: KEYCORP (CT)

My name is XXXX XXXX and I have an auto loan with Key Bank. In the month of XXXX I applied for skipping a payment because I lost my job and I was going through financial tough time. They approved me for that month so I did n't make any payment. Next month they 're start making hundreds of harassing phone calls from the collection department that I missed a payment. I suppose to have a skipped payment for that month they said I never sing the latter. I never get any latter from them and I told them to resend me the latter again but never get that latter from them. Now they 're reporting it to my credit bureau and it 's really hurting my credit. Also I 'm worried about they are going to reposition my car. So tried to work with them about that issue and they refused to help about this matter.
Consumer complaint received 2022-05-27
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)

n accordance with the Fair Credit Reporting act 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 has violated my rights. 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
Consumer complaint received 2021-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

Bank of America : Senior Account Manager was cooking XXXX on their stove, engaged in XXXX XXXX of XXXX purchasing and or selling of this XXXX XXXX, XXXX was a compassionate problem but the overwhelming abuse in the relationship caused nearly fatal consequences Bank of America should respond to the issue specifically on if they have a published public statement on drug use, intervention and other conversational matters of utility concern ( XXXX XXXX XXXX XXXX )
Consumer complaint received 2021-12-19
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I was contacted 19 times from the time period of XXXX XXXX. The repeated voicemails were in regard to my sister and an account she may have. I stated that I do not have contact with her and have not for 7 years. I asked for my information to be removed as it is none of my concern. I have mailed two formal letters and asked repeatedly for the harassment to stop. My phone number is listed and used as a business line.
Consumer complaint received 2021-12-19
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Pressler & Pressler, LLP (NY)

XX/XX/XXXX The creditor agency sent this to my employer is very old debt and embarrassed me. I just started this Job in XX/XX/XXXX. They contacted my new employer and demand information they obviously already have. I have copied and pasted below and also send a photo of letter. They contacted both of us they same day. I also got a letter and they didnt give me time to respond the just to the Liberty to send my employer a document. 

CIVIL COURT OF THE CITY OF XXXX XXXXXXXX XXXX OF NEW YORK XXXX XXXX XXXXXXXX ASSIGNEE IN INTEREST TO A XXXX ACCOUNT Plaintiff US - XXXX File Number XXXX Index No. 
XXXX INFORMATION SUBPOENA AND QUESTIONNAIRE Defendant ( s ) DEES S.S. 
LAST KNOWN ADDRESS : TO : THE PEOPLE OF THE STATE OF NEW YORK Employers address was here WHEREAS, an action in the CIVIL COURT OF THE CITY OF XXXX XXXX XXXX OF NEW YORK, between XXXX XXXX XXXX XXXX IN INTEREST TO A XXXX ACCOUNT as Plaintiff and XXXX XXXX XXXX defendant ( s ) who parties in said action, Judgment was entered on XX/XX/XXXX in are alr favor of XXXX XXXX XXXX XXXX named IN INTEREST TO A XXXX ACCOUNT Judgment Creditor and against, in the amount of {$4900.00} of which {$4900.00} less credits, if any, remains due and unpaid ; and NOW, THEREFORE, WE COMMAND YOU, that you answer pursuant to CPLR Section 5224 ( a ) ( 3 ) * in writing under oath, separately, and fully each question in the questionnaire portion of this subpoena, each answer referring to the question to which it responds, and that you return the answers together with the original of the questions within 7 days after receipt of the subpoena. 
TAKE NOTICE : False swearing or failure to comply with this subpoena is punishable as contempt of court. 
I HEREBY CERTIFY, that this information subpoena complies with Rule 5224 of the Civil Practice Law and Rules and Section 601 of the General Business Law and that I have a reasonable belief that the party receiving this subpoena has in their posession information about the debtor that will assist the creditor in collecting the judgment. 
DO YOU HAVE ANY INFORMATION FOR THE FOLLOWING? IF YES, PROVIDE THE FOLLOWING INFORMATION BELOW : NAME : SSN : HOME TEL : HOME ADDRESS : EMPLOYER : TEL : WORK ADDRESS : PAYROLL ADDRESS : XXXX XXXX : EVERY : BANK : ACTIVE GARNISHMENT : DIRECT DEPOSIT [ Y/N ] : BAL : ACCOUNT : [ 1 TERMINATED : Reply To : XXXX, XXXX XXXX XXXX. 
1 I have no information on Defendan t Felt & Warshaw, LLP XXXX, NJ XXXX
Consumer complaint received 2021-12-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Crown Holdings, LLC (MO)

There is a bill owed for {$230.00}. Day Knight & Associates are attempting to collect the debt, however they are charging interest and treating to have the client file suit against me and have me to pay for court costs and fees. The interest thus far is {$10.00}.
Consumer complaint received 2021-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (FL)

I have reached out to lending club, their attorneys, and collection agencies representing them for this charged off debt that was paid via a settlement. I have disputed this with the credit reporting agencies as well as directly with lending club. At present, this item is reporting as a pay status of derogatory as opposed to paid, even though I have worked extremely hard to pay it off. 

Lending Club claims that they are correctly reporting since they " sold '' the debt, regardless, they are still responsible for the proper reporting of the item.
Consumer complaint received 2022-05-27
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. (TX)

n accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 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
Consumer complaint received 2022-05-27
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. (TX)

n accordance with the Fair Credit Reporting act 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 has violated my rights. 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
Consumer complaint received 2022-05-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CURO Intermediate Holdings (PA)

Individual called stating I was approved for personal loan to consolidate credit cards. They misrepresented/ lied about the company who would make ACH transfers in my banking account totaling {$7000.00}. XXXX days later the transfers were fraudulent after I paid the credit companies. I spoke with bank fraud department who did not help me but wanted repayment. I do not have that kind of money retired on SSI. Since then bank threw me out of service and unable to make any payments or bankrupt me. I can not even afford to file bankruptcy now and had to place my mortgage in forbearance plan. Also take a part time job with bad health to stay alive. That hurt. I did file case with police, XXXX attorney general and consumer complaint with no resolve. This all took place in XX/XX/2022.
Consumer complaint received 2022-05-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

During XXXX my computer was hacked and then I was scammed out of my savings of {$200000.00}. I believed I was working with XXXX to prevent money from being removed from my account. I was instructed to wire transfer funds into " safe wallets '' which I would have access to when the hackers were caught. I believed I was working with actual XXXX employee. Several of the initial transfers came from Citizens Bank where my savings hew been for forty years ( before Citizens took over the Bank ). 

XXXX. XXXX recovered by citizens fraud dept from XXXX XXXX XXXX XXXX XX/XX/11 XXXX
Consumer complaint received 2022-05-27
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)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2021-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX continues too violate consumers and FCRA by purposely reporting lies and inaccurate information for the sole purpose of damaging reports and scores. I have made MANY of complaints too CFPB yet nothing has been done about this issue. 

XXXX has many errors and lots of inaccuracies throughout my entire credit report. Refusing to correct anything. I have contacted an attorney about the issue and will be seeking damages. 

XXXX has continued too ACTIVELY report discharged debt which is about 4.5 years old. 

Experian also continues too have inaccurate information on this same account. 

The name of the creditor is XXXX XXXX XXXX XXXX mortgage, The name has been altered many times too benefit their legal reporting needs. Because this company has been OUT of business, its solid evidence that the active reporting is in fact the reporting agencys doings. I thought government agencies like that of CFPB holds the responsibility of helping protect the consumer when companies are in violation of the law and the consumer. I have well over 30 complaints with CFPB, maybe resolving 2 issues at tops. 
That is totally unacceptable coming from a government agency. 

If others are able too read this and got nothing resolved, YOU arent the only one! 
I keep all my records on reports as Im sure the courts will want too know the involvement of the CFPB. 


The company is 100 % NOT adding remarks too my report, its XXXX and Experian BOTH ARE FRAUDULENT A company gone out of business does NOT still actively report! Evidence of FRAUD AND STOP SAYING YOU CANT IDENTIFY MY IDENTITY BC YOUR LYING! If XXXX cant ID me then QUIT adding information too my credit report, QUIT providing my credit report and score too creditors, QUIT asking me too IDENTIFY myself because if I did, how would you even know whom too compare it too? JUST STOP ALL THE FRAUD already! Nothing has changed, absolutely nothing! XXXX can verify my ID through the United States Federal Court during the XXXX XXXX
Consumer complaint received 2022-05-27
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. (MI)

On XX/XX/2022 I saw an alert Experian credit report letting me know there was a hard inquiry for XXXX XXXX XXXX XXXX XXXX, which I immediately did not recognize. I contacted Experian that day, which started a dispute process for the unauthorized hard inquiry. They were able to remove this from my report within a few days. The financial institution in question 's fraud department contacted me and left a voicemail on the XXXX. I attempted to contact them via the financial institution 's fraud line number but did not reach them immediately. When I reached out again about two weeks later, they told me about the credit card opened with my information, which they flagged as fraudulent within a few days of the account opening. They were able to successfully close down the credit card and the account they opened linked to the line of credit. 

On XX/XX/2022 I received a letter from another financial institution XXXX XXXX XXXX requesting I send them my paystubs so that the loan could be processed. I of course did not recognize this financial institution. I called the financial institution and let them know my identity was stolen, they immediately closed the loan application and, presumably, the account that was opened with it. 

XX/XX/2022 I contacted Experian to remove the other hard inquiry for XXXX XXXX XXXX, which started a dispute process. Currently waiting to see that the dispute is resolved.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (GA)

NAVY FEDERAL HAS NOT PROVIDED PROOF OF ME CONSENTING TO BE AN AUTHORIZED USER ON ACCOUNT XXXX. Navy Federal XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/2024 Dear NAVY FEDERAL CREDIT UNION XXXX I am writing to formally request that you cease and desist from reporting me as an authorized user on the credit card account [ XXXX ]. Despite numerous requests, you have failed to provide any proof of my consent to be added as an authorized user on this account. 

As a consumer, I have the right to verify and confirm any information that is being reported on my credit report. It is essential that you comply with this request and provide documentation demonstrating that I have indeed given my consent to be added as an authorized user on this account. 

Until such proof is provided, I insist that you immediately remove me as an authorized user from the account and cease any further reporting of this information to the credit bureaus. Failure to comply with this request may result in legal action being taken against your company. 

I trust that you will take this matter seriously and act promptly to rectify this situation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (IN)

I wrote a mobile check through Chimes bank app, out of my checking account for {$1800.00} for Earnest Money on a home Im buying. I submitted the request XXXX XXXX XXXX. It is now XXXX XXXX XXXX  and Ive called over and over again to see where this check was at because it never reached the realty company it was supposed to be sent to. Chime is saying it was already sent out and cashed. But cant provide me any kind of receipt or proof that it was cashed and who it was supposedly cashed by. They just keep trying to offer me to dispute it via email, which I had several times and no one contacts me about it. So I called back several times And they say they can send me a bank statement that only shows its been processed, which means sent out. So no proof of anyone receiving this money by any means. I was told theres nothing more they can do and hung out. The company it was supposed to be sent to is called XXXX XXXX, and they let me know it was as never received nor cashed. I had to take out a loan to pay for my house so I didnt lose it, which cost me {$200.00}