davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Cooling & Winter LLC (SC)

Cooling & Winter ATTORNEY AT LAW XXXX XXXX XXXX XXXX GA XXXX Is sending me collection letters to collect on a discharge debt. 

XXXX XXXX is the original creditor that keeps giving these collection companies my discharged debt. 

This is the 3rd collection company that has contacted me. 

I am tired of responding but I have to in order to keep them from Attacking my credit. 

XXXX XXXX also reported my debt as a charge off instead of a discharge although the account was never late before discharging. 

It seems XXXX keep selling my information
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} Date Opened : XXXX XXXX XXXX  ( Original Creditor : CXXXX XXXX XXXX ) XXXX Balance : {$260.00}
Consumer complaint received 2021-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (HI)

Regarding my XXXX XXXX XXXX XXXX XXXX XXXX with Barclays Bank Deleware. 
I made a cash payment of {$1600.00} at XXXX XXXX XXXX  XXXX XX/XX/2021. Barclays Bank of Delaware shows receipt of the {$1600.00}. Barclays Bank website shows credit of the {$1600.00} However available credit is listed at {$110.00}. 
XXXX XX/XX/2021 I attempted to use my XXXX XXXX XXXX to make a utility payment of {$190.00} which was denied by Barclays Bank Delaware. 
I called Barclays Bank customer service XXXX XX/XX/2021 at XXXX XXXX. Supervisor XXXX told me the " system '' would not allow me access to the {$1600.00} cash payment until the hold on a {$350.00} payment from my XXXX XXXX XXXX XXXX cleared. XXXX XXXX XXXX show the {$350.00} payment cleared my XXXX XXXX account and went to Barclays Bank XXXX XX/XX/2021. XXXX at Barclays Customer service stated that Barclays Bank requires a 3 way call with customer and customer 's bank to verify funds have cleared the bank. XXXX  call XXXX XXXX and the XXXX XXXX  representative said they could not disclose third party information. The XXXX XXXX  representative said they could provide the information via fax. Barclays Bank representative said they could not fax. When I asked if XXXX was telling me Barclays Bank did not have a fax machine, she said the fax would take 24 to 48 hours to prepare. 
Barclays Bank Delaware is unreasonably withholding access to my {$1600.00} cash payment. 
Barclays Bank Delaware frequently places a hold of 7-10 days on payments on the XXXX XXXX XXXX XXXX 
Barclays Bank Delaware does not verify receipt of funds internally at Barclays Bank Delaware without requiring that customer call Barclays Bank of Delaware customer service and participate in a three way call to customer 's bank. Extremely bad faith and onerous policy. 
Barclays Bank of Delaware sytematically places holds on customers funds for 7-10 days and uses the funds to Barclays Bank Delaware benefit and detriment to the customer. 
Barclay 's Bank Delaware practices of placing lengthy and unneccesary holds on customer 's funds ; requiring customer to initiate a call to Barclay 's Bank Delaware customer service and participate in a three way call to customer 's bank to release the hold are extremely bad faith, harmful to customers, and highly unethical if not illegal. 
Accounting of Current Balance and Available Credit on Barclays Bank Delaware website are inaccurate 100 % of the time. Accounting of Current Balance and Available Credit at Barclays Bank Delaware website 100 % of the time do not match accounting of the XXXX at XXXX XXXX XXXX website. 
Barclays Bank Delaware reduces available credit by amounts of attempted charges on the XXXX even when the charges are denied by Barclays Bank Delaware.
Consumer complaint received 2021-12-13
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (IL)

I had 2 student loans which are been paid off by a settlement by NAVIENT SOLUTIONS , LLC The U.S. Department of Treasury, Bureau of the Fiscal Service ( Fiscal Service ), applied my Internal Revenue check for the amount of {$5000.00} on XX/XX/XXXX To cover my debt to the following agency : The U.S.DEPARTMENT OF EDUCATION EDUCATIONAL CREDIT MANAGEMENT CORP. 
XXXX XXXX XXXX XXXX MN XXXX Then Navient kept calling me claiming that they had one of my student loans and my taxes were applied to only one of my student loans and that I need to pay them for my second loan. 
They send me a letter offering me to settle my account for {$430.00} and I made two payments to cover this amount one was on XX/XX/XXXX for {$250.00} dollars and the second one was made on XX/XX/XXXX for {$180.00} to complete the {$430.00} But now another company called XXXX is claiming that they have my student loan I call and told them my student loans were already paid off, and they told me to fax them my documents the proof of what I said to them by phone, and I did now they send me another letter to let me know that my student loan was transferred to another company and that I need to wait for them to contact me. Because they can't help me any longer.
Consumer complaint received 2021-05-10
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. (TN)

I viewed my credit report and discovered inaccurate information being reported on my credit report I never authorized these Inquires I contact Equifax about this and I was told I need to report with your company. XXXX XX/XX/2019 XXXX XXXX Auto XX/XX/2019 XXXX XXXX  XX/XX/2019 XXXX  XX/XX/2019 XXXX XXXX XX/XX/2019 Under the FCRA the credit bureau must report correct  information please investigate this thank you.
Consumer complaint received 2021-05-10
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America unemployment account on my debit card ending in XXXX was hacked and drained of all its money last year.i noticed unauthorized charges on his account in XXXX and called Bank of Americas customer service to report the fraudulent charges.bank of America froze the account, leaving me to be unable to access the remaining funds I had. I went through the recent purchases and activities on my account and found varies addresses where purchases were made and in other states within one day.After disputing with bank of America claims dept t inhey eventually unfroze my account but the y returned the entire balance back to Californias unemployment department.its been 6 months since this happened yet bank of America has not taken any action to reimburse the stolen funds. Even after I filed an identity theft affidavit with ftc.last but not least I've just recently received mail stating that bank of America has closed my debit card
Consumer complaint received 2022-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On Wednesday, XX/XX/XXXX my wife received multiple spoof texts and a call from what appeared to be USAA, our bank. Unfortunately, she shared, over the phone, some of her login information. Upon hanging up she realized something seemed off so she immediately called USAA. USAA 's fraud department confirmed this was fraud and helped her change her login information and change the address on our account back to our proper address. Today, XX/XX/XXXX, we noticed massive withdrawals from our checking account. We, once again, immediately called USAA only to find out nothing was changed in their system as promised and that a new card and credit card were sent to the fraudsters. We are still on the phone with them now but are getting the runaround. No one takes accountability over there. 

As a side note, when our son turned XXXX they shut access to his account off with no warning and it took nearly two months to resolve that. 

They are a disaster right now.
Consumer complaint received 2018-12-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

On XX/XX/XXXX, I checked my credit score on XXXX XXXX and seen some collections that didnt belong to me so i filed a dispute with transunion. Here it is XX/XX/XXXX and my dispute is still under review, which goes against what is outlined in the FCRA. I know this as I work in XXXX  XXXX  and learning the FCRA is one thing we are required to learn and know.
Consumer complaint received 2021-12-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NV)

We fell behind on mortgage payments due to the pandemic causing unemployment in the household. However, we have since resumed payments as of XX/XX/XXXX. 
We followed through with a modification application and were denied with 2 separate reasons, all of which were not communicated to us. Since the start of the modification process we had to diligently follow up with Wells Fargo on a weekly basis as they failed to communicate effectively among other things. 
While continuing to make timely payments we kept attempting to resolve the pandemic arrears. However, Wells Fargo failed to provide any assistance, and in fact kept insisting that we pay the entire {$23000.00} arrears in one lump sum! They cost us a refinance as the payments made since XXXX were not being reflected towards current payments. Therefore, the XXXX said they could not approve the loan without a year of current payments, but would if arrears had been added to the end of the loan, and payments were current all of which should have occurred. Needless to say, Wells Fargo would not assist in this or any regard. After several months of fighting with them to provide some type of assistance or re-payment plan, the loan went to underwriting yet again in mid XXXX to see if another modification application would be approved. I strongly believe this was a half attempt to appease me as they had no intention to provide any type of assistance, and was right. Today it was learned that the second modification was also denied! However, the decision was made on XX/XX/XXXX and I just called to follow up on XX/XX/XXXX as was told it was still pending! Wells Fargo has no clue how to conduct business and is deceptive in many, not to mention they are fraudulent. I have been calling them on a weekly basis to check the status and have been told a different story each time! The explanations went from they need additional documents, we have 7-10 business days for a decision, we have 21-30 days to make a decision, the last representative misinformed you, or the date it went to underwriting changed altogether. The explanations for denials went from the house  is not a primary residence, we make too much money and now we cant afford the mortgage! Which is absolutely absurd, because before the pandemic, payments were current and always had been!!! They would rather the house go into foreclosure instead of providing assistance of any kind! Foreclosure this is simply not an option, as I refuse to have my credit and financial stability ruined due to their negligence and incompetence!!!
Consumer complaint received 2021-05-10
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. (TX)

I sent a dispute to XXXX  on XXXX. I never got a response of results or the investigation. I have attached the letter that was sent. 

I sent a dispute to XXXX  on XXXX. I never got a response of results or the investigation. I have attached the letter that was sent. 

I sent a dispute to Transunion on XXXX. I never got a response of results or the investigation. I have attached the letter that was sent.
Consumer complaint received 2021-12-13
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CURO Intermediate Holdings (MS)

AD Astra Recovery is claiming I owe {$670.00}. They also falsely place information my credit report. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXXas been reporting an unsecured personal line of credit tradeline ( that was originally originated by XXXX  XXXX and transferred to XXXX through the XXXX XXXX XXXX as a mortgage product on my credit report for 14 years. When I disputed the tradeline with Equifax in XXXX of XXXX, XXXX XXXX reported the account as still open, but was unable to locate the account when I called the number referenced on the tradeline ( XXXX XXXX XXXX ) and provided the account number listed on the tradeline or my PII ( social, birthday, name and address ). The tradeline both before and after my Equifax dispute indicates the tradeline was paid and closed, with a last activity date of XX/XX/XXXX and a closure date of XX/XX/XXXX. I have attached the tradeline information from the dispute response from Equifax.
Consumer complaint received 2021-12-13
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)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2021-12-13
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BTH Management (WI)

a phone call I received on XX/XX/XXXX. When you indicate you will take my XXXX XXXX XXXX if I park it out front and garnish my pay. 

He knew my name address and telephone number and said I need to pay my bill and he said he had my file and ran off a list of billing and payment from XXXX loans. 

I I indicated, I believe I paid that off and what was the payment amount of payment or last payments and he indicated I got your file and he stated a few {$200.00} payments. 

I was under medication and indicated if I caught thieves trespassing on my trying to steal my property I going to shoot at them and not taking threats and hang up. 
I then called back and ask them to sent me someone by email as he indicated he'll have a settlement amount and I can make payments. 
Defendant needed to verify debt. As I have had ID theft and has had collection attorney executing process of service, that I were not served also have paid bills in collection. 
Further, Plaintiff has not responded to my XX/XX/XXXX request and offer of payment reductions upon the documentation provided ( see attached ) from 1st, 2nd, and 3rd ect., parties. 
Have no verification of account as Its hard to keep safe once they get your information out there, because in today 's ' reality, people/collectors gather information to sell, Steal, Discriminate and Collaborate with third, fourth, fifth, etc. party in violation of numerous State and federal violations FCRA, FDCA, ECOA et., al XXXX 

I got the email and presenting to you in complaint. 

My XXXX XXXX went up to XXXX as I was injured in an accident.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Account : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} Inquiries : XXXX Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2021-12-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trojan Professional Services, Inc. (CA)

I would like to dispute the attempt to collect {$290.00} by TROJAN PROFESSIONAL SERVICES. As explained in XXXX, the dental provider had confirmed with my insurer had approved full coverage of preventive dental cleaning, prior to my treatment. The provider also confirmed, no out-of-pocket expenses was required by me, the patient. I have disputed this charge from XXXX  and they should be collecting the debt from the insurer, however the collector continues to harrass and damage my credit report. I request for this record to be removed from my credit report. Thank you.
Consumer complaint received 2023-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (DC)

My apartment at XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX was flooded and looted and I had to abandon the apartment. Somebody got a hold of my credentials and debit cards and credit cards and repeatedly committed fraudulent transactions depleting all of my Wells Fargo Bank accounts. Wells Fargo Bank allowed fraudulent charges and fraudulent transactions for almost two months beyond account limits without interruption without alerting me or flagging the accounts. XXXX XXXXXXXX accepted responsibility for the financial fraud. XXXX has accepted responsibility for the financial fraud. I submitted DC police report XXXX. Wells Fargo Bank had not accepted responsibility for the financial fraud they allowed. Wells Fargo Bank contracted with me to hold me harmless of the financial fraud.
Consumer complaint received 2021-12-13
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. (FL)

XXXX account, XXXX XXXX  XXXX inquiry dated XX/XX/2021 and XXXX inquiry dated XX/XX/2021. 

Civil liability for willful noncompliance of Deletion, VIOLATIONS, DELETIONS TO CONSUMER REPORT 15 u.s.c. 1681a and 15 USC 1681 ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report XXXX XXXX XXXX XXXX ( XXXX ) Privacy Notice 15 USC 1692 K and 15 USC 1640 Civil liability 15 U.S. Code 1681 N ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;. ( B ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

15 U.S. Code 1681n - Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability. Delete account from consumer report immediately.
Consumer complaint received 2021-12-13
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. (FL)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.