davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XX/XX/XXXX - showing as a debt but as an open account with a past due balance on my credit report. Requested documentation from the company of the original debt that they are claiming I authorized and they could not provide it. 

XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX, XXXX -showing as a debt but as an open account with a past due balance on my credit report. Requested documentation from the company of the original debt that they are claiming I authorized and they could not provide it.
Consumer complaint received 2022-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CLGF Holdco 1, LLC (CA)

I reached out to Destiny over XXXX  month ago by telephone to let them know I have received their phone calls and I was unable to pay them XXXX in minimum payment because I have other debt obligations and my work hours were reduced due to XXXX. The representative told me they didn't have a program they could offer me. Because I haven't been able to pay all the late fees, interest, and minimum payment they are asking for, the card is seriously over the limit. I am reaching out to CFPB because I haven't been able to obtain appropriate help on my own to help resolve my debt. I would like to know if you are able to modify the payment for a few months to help me get back on track. I receive calls and texts but they refused to help me with an affordable repayment plan.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Neon Newco Corporation (MO)

I had roughly XXXX XXXX and I believe it's XXXX hours taken over a XXXX span. I went kayaking and after was exhausted went to my room slept till the next day around XXXX and my account had been overdrawn and withdrawn cash XXXX transactions is what it was and it was not me and they said it was an authorized individual and I'm the only an authorized individual I immediately reported it when I seen the withdrawals in the morning they came back to me XXXX days later and told me that they weren't going to do anything. They've never even let me take out that much money at once. No explanation no nothing and I am in dire straits because of it still
Consumer complaint received 2023-01-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (OK)

I sent Calvary Portfolio a validation letter asking to present all of the Original Account/Loan-Level Documentation ( OALD ), verified under oath and penalty of perjury by the opposite original transacting party in accord with the provisions set forth at 15 U.S.C. 1692g ( a ). I received a response on XX/XX/2022 without the requested documentation. 

At no time did I provided a non affiliated third party such as Calvary express authorization to utilize my personal identifying information, I also never gave prior consent to the debt collector to communicate with myself in connection with any debt. 
I feel that they are in violation if the FDCPA
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

I spoke to a agent about it being unlawful for another person to be able to garnish my funds without a legal document signed by a judge.and the agent/supervisor said they can without showing proof of a signed legal document from a court of records.
Consumer complaint received 2022-01-20
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. (VA)

I was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( XXXX, XXXX, Experian ) to further confirm my status as a Victim of Identity Theft that was caused due to the XXXX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.
Consumer complaint received 2023-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

Wellsfargo froze my account and now is closing it. It all started on Friday XX/XX/XXXX when I made a mobile check deposit. I got a message that there was a hold but then they said it wasn't a payable item so I went to the bank with the physical check and they still weren't able to help me. I get paid via XXXX  that you print at home and I have been getting paid like this for years without a problem. The bank associate actually understood but still wasn't able to resolve the issue even after escalating it with the fraud department on the phone. This was today XX/XX/XXXX. This is obviously a huge inconvenience but also harmful because now I have been reject by XXXX  and XXXX XXXX XXXX when I tried to open a checking account with them. Thankfully I had another debit account with another bank and was able to reroute future payments ( I also get paid via direct deposit from my part time job ) but this is gon na cause a delay on future payments I have to make since it is the end of the month. My account balance is negative thanks to this and there is nothing I can do because my accounts with Wellsfargo are frozen, both debit and savings. 
I definitely should be compensated for this but I would say never use Wellsfargo, just take your money elsewhere
Consumer complaint received 2023-01-22
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. (NY)

XXXX XXXX XXXX XXXX Loan with account # # # # # # # opened on XX/XX/2017 and a balance of {$0.00}. 

Account is reporting XXXX diffrent dates of last activity., there are XXXX different account STATUS, XXXX XXXX reporting a DEROGATORY, while EQUIFAX XXXX a PAID account. XXXX different last payments, you are reporting a CHARGE OFF/COLLECTION with no LATE Payments reporting. while EQUIFAX is reporting XXXX also with no late payments reporting. if it's the same account being reported by the same creditor why is this different?
Consumer complaint received 2023-01-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: TRUIST FINANCIAL CORPORATION (NY)

Truist is currently advertising an offer on both XXXX and XXXX for a {$400.00} bonus when a new customer opens a new checking account. Looking at the fine print of the offer it very clearly states The offer is only valid to customers who have had a direct communication from Truist. A XXXX or XXXX ad is NOT a direct communication and therefore anyone who opens a new account through this advertisement would automatically be disqualified from the account opening bonus. I have reached out to Truist with my concerns via XXXX comment, XXXX message and XXXX message. I only had one response which stated that I could look at the fine print on the website to determine my eligibility. This seems like an attempt to intentionally avoid addressing the point I have raised and the whole advertisement appears to be an attempt to mislead customers into opening a new account and then withholding the advertised bonus. 

Here is a link to the ad on XXXX ( I will also attach a screenshot ) XXXX XXXX XXXXXXXX? XXXX Here is a link to their offer site which shows the fine print. 
XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (RI)

Unknown to me at the time Credit Acceptance Corporation XXXX XXXX XXXX XXXX in XXXX XXXXXXXX XXXX  issued me a high interest vehicle loan that has extra charges and fees attached to it and seems to have locked me into a horrible circumstance. When I had a financial hardship I was not given a fair restructuring of payments and during the height of XXXX, though advertised, I was denied a pause on payments or a stop on credit reporting during time of past due balance. I am now in repossession status.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Experian, XXXX and XXXX has violated my rights by reporting unverifiable public records on my consumer report ( Reference XXXX XXXX XXXX XXXX XXXX ) Per the FCRA 623 ( a ) ( 5 ) : If the credit bureaus can not VALIDATE the information with the original creditor, they must remove said information from the consumer file. The original creditor in this case would be the U.S. BANKRUPTCY COURTS. The bankruptcy courts mailed me a letter stating they DO NOT provide any information to the credit reporting agencies, nor do they ever validate and/or confirm public records. XXXX XXXX has provided documentation that it could not validate this public information and has been deleted from their database in XX/XX/2022. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. 
Public records information is NEVER validated by the Recorder of Deeds nor the U.S. Court System due to the Fair Credit Reporting Agency Privacy Law. Experian XXXX or XXXX never validated or verified these public record entries on my credit report. XXXX stated they verified with XXXX XXXX the accuracy of this public record in XX/XX/2022 and my XXXX XXXX consumer report shows that information doesnt exist. This proves that XXXX as well as the other credit agencies did not perform a true and honest investigation.This is unfair to me as a consumer and I need any and all of the bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report IMMEDIATELY as it is not verifiable and is causing extreme damage to my financial future. As such, if this unauthorized information is not deleted from my credit report within the next 5 days, I will be filing a complaint to the Federal Trade Commission and my State Attorney Generals office. Failure to respond in a satisfactory manner within 5 days of receipt of this complaint will result in a small claims action against each credit reporting agency. 
I will be seeking {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligence Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.
Consumer complaint received 2022-10-17
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-10-17
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: EQUIFAX, INC. (IL)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-26
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: CrossCountry Mortgage LLC (FL)

I am writing to you because you are reporting inquiries on my credit report that I do not recall. 


Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Date XXXX Chase ATM located inside XXXX XXXX, CA XXXX A cash deposit of XXXX ( XXXX XXXX XXXX dollar bills, XXXX XXXX dollar bill, XXXX XXXX dollar bill, and XXXX XXXX dollar bills ) was made into my checking account. The ATM took the cash deposit, did not fund my account and gave me a receipt stating to call a number to verify funds were deposited. I spoke with a staff member within the branch, she called and was told it will be a min XXXX  day hold to verify funds and a claim would be placed. The branch XXXX also called and ask for a provisional credit for the XXXX to my account and that was denied.
Consumer complaint received 2022-09-05
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. (FL)

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 15 USC 1681.

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

15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c ( aX5 ) 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. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX I XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX
Consumer complaint received 2022-10-12
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-04-18
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. (NC)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 2022-01-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I have submitted dispute letters THREE times within the dates of XXXX of 2021 to XXXX of 2021. I have not received any notifications nor have there been any changes made to my report. THIS IS VERY FRUSTRATING.
Consumer complaint received 2022-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

Ditech reported paying {$230.00} to Insurance ( XXXX XXXX ) on XX/XX/20 and {$230.00} on XX/XX/20 which was not received by XXXX XXXX. We have no information to confirm that these checks were credited to the insured, loan, escrow, taxes or insurance. 

Shellpoint has shown this amount as a negative balance on escrow. There was no payment for insurance or taxes from escrow. The NO escrow option was chosen on the original loan acceptance. There was not indication of this error on the original loan information. The account shows late and is threatening foreclosure. We are not paying this escrow amount because we do not owe anything and should not have to pay this. 

We have spoken to the Insurance department, the escrow department and customer service departments separately. They filed a complaint on our behalf with Shellpoint. They do not respond by mail. They do not respond to our phone inquiries and often disconnect our phone calls.
Consumer complaint received 2023-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

I had {$24.00} in my account then out of no where I'm credited about {$180.00}. I've got over {$200.00} in my account XX/XX/XXXX, when I'm suppose to have {$24.00}. I called WellsFargo told them what happened but the said nothing was wrong. ( You see WF makes all the adjustments on the balance sheet your looking at and WF goes back days or weeks to make it look right. The only way I can prove this happened is if I took pictures with a different camera and I did of my account when this happened because now everything was adjusted back like it never happened. ) I looked at all of my transactions but it looked like all went through. I told the Representative this has happened before. You gave me {$200.00} when my balance was low so I withdrew it. When it hit XXXX that day you sent me a message my account was overdrawn and that I was going to be charged fees. I fought with you over the phone but it wasn't until the last conversation you reversed the charges. So on this occasion same thing happened my account was low in money ( setting up the trap for the Overdraft protection Charge ) you send me over {$200.00}. Except this time I leave it because I know it's a trap. By the next day you send me a notice saying my transaction for XXXX went through just now on the XXXX. ( Which is a lie because if my transaction didn't go through 5 days earlier I wouldn't have my package by the XXXX. ) Now that {$200.00} plus has disappeared and my account is back to normal. 
It's a SCAM and it's written into a program of theirs to do it to its customers so they get caught by overdraft protection if the consumer is not paying attention to their transactions and balance. 
This is the XXXX time WF has.done this to me
Consumer complaint received 2022-10-17
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. (IL)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-06-06
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. (GA)

In accordance with the Fair Credit Act XXXX XX/XX/XXXX ( Account # XXXX ), has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights to privacy. 

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