davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was going over my credit report and I noticed some public records that are not accurate from  XXXX   XXXX   XXXX  DOCKET #  XXXX  and OHIO  XXXX   COURT   XXXX  DOCKET #  XXXX . At this time I will also inform you that the continue to report invalidated information to any of the  XXXX  major credit bure aus (  XXXX ,  XXXX , Trans Union ), th is action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.   I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2022-01-26
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. (KY)

The following late payment remarks placed onto my credit report without my verbal or written consent to do so, is a direct violation of my rights under the FCRA and section 15 USC 1681B. Having these negative remarks on my report is preventing me from having the best score possible which is a hindrance if I feel the need to apply for new lines of credit in the future. Due to these facts given the following closed accounts must be removed : XXXX XXXX BANK XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX )
Consumer complaint received 2021-05-16
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. (NC)

I have received a copy of my credit report and it shows company XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1100.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2017-06-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: North Georgia Regional Collection Agency, Inc. (GA)

I am writing to you to request that you verify a or debts as required by the fair debt collection practice act. concerning my debt from XXXX XXXX XXXX in dates back from XXXX XXXX I am XXXX and therefore unable to work and have no other income thank you XXXX,
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I just pulled my annual credit report and found a XXXX debt from a XXXX XXXX XXXX XXXX under my name and old address. 

XX/XX/2020 {$5200.00}
Consumer complaint received 2021-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: N26 Inc. (MI)

N26 BANK NOTIFIED ME THEY ARE CLOSING MY ACCOUNT. THEY CLAIM THEY ARE SENDING ME A CHECK FOR MY ACCOUNT BALANCE WHICH ISN'T MY ACTUAL BALANCE. THEY ARE MISSING DEPOSITS TOO. THEY REFUSE TO PROVIDE ME AN ACCOUNT STATEMENT OR TRANSACTION LIST. THEY ARE REFUSING MY REQUEST TO REPORT FRAUDULENT TRANSACTIONS. 

THERE RESPONSE WAS TO LAUGH AT ME ON THE PHONE AND HUNG UP MULTIPLE TIMES. THIS BANK IS A TOTAL FRAUD AND SHOULD BE SHUT DOWN. THEY OWE ME THOUSANDS OF DOLLARS.
Consumer complaint received 2021-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Cadence Bank (TX)

I show a escrow account with a negative balance. I do not believe I authorized the creation of an escrow account. I have tried to contact the company to inquire about this issue through their online portal ( no response within stated 24-48 timeframe ) and via email ( received automated response that my gmail account was not trusted ). Without the ability to receive a documented response from the company, I am seeking assistance from your office.
Consumer complaint received 2024-01-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (NV)

There was fraud that happened within my checking account with Wells Fargo XXXX through XXXX of XXXX. I had called immediately when I noticed transactions so that the bank could freeze my account or create a new account plain out just help me out with what was happening. There were several zelle transactions as well as some checks that had been deposited and bounced for an estimated total of {$13000.00}. 
I did manage to have a representative open a new account and try to secure my account from all the fraud that was happening. But it wasn't until the second time that I called to do a follow-up that this happened. The original first time I called to report the transactions the representative told me I am creating a new account for you right now gave me a number to save as my account number and when I called for updates and gave the second representative the account number that number didn't exist for me. At this point the second representative did help set me up with a new account and took all my statement over and basically start from Zero to compile all the information required for the claim. I made it my mission to stay updated with what was happening with my account by calling in at least once a week. 
When I called Wells Fargo about the transaction there was an active case that I would call to inquire more information about at least once a week since the transactions. The last I spoke with a Wells Fargo representative was in XXXX of XXXX that someone would get ahold of me to discuss things further and I didn't have to keep on calling them every week. I still haven't heard anything from Wells Fargo to this day XX/XX/XXXX. 
At the time this all was going on I was going through some major medical situation and having this {$13000.00} vanish before my eyes just like that didn't help at all. That money was all that I had and the individual ( s ) that omitted this fraudulent activity to my account got away with all of it and Wells Fargo did nothing even after having all the authentication setup never did I one get an alert that all of this movement was happening with my account. 
Also, I originally had sent the police report to the agent in charge of the investigation of this case. The reason why I had sent copies of the police report was to establish the fact that personal items were stolen this included laptop with all my personal information this would also include my bank information. I am resubmitting this issue because Wells Fargo doesn't have the best reputation and also has been on the news for more the a couple XXXX of fraud cases similar to mine. I had reached out to XXXX XXXX the Executive Office Case Specialist about this as well back in XX/XX/XXXX then again at least once every 30 days up until now. I would also like to add that I am aware of many data breaches that there has been for Wells Fargo before my fraud issue as well as many after and have continue to happen.
Consumer complaint received 2022-01-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (MA)

Hello ComenityXXXX XXXX XXXX ; My name is XXXX XXXX and I'm really upset right now because I was reviewing my credit report and noticed that you marked me late in XX/XX/XXXX for 30 days. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money {$110.00} out of my checking account that on the month that you marked me late on my credit report. Also, i was also under impression that i was protected under CARES ACT due to the fact i was impacted by covid19. The CARES Act, which President Trump signed into law on XX/XX/XXXX, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis.
Consumer complaint received 2022-09-27
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. (CA)

XXXX : Account number : XXXX, Last reported dates should be the same per bureau. I have disputed this unverified account already and still see it is not removed. By way of example, Last Reported is showing XX/XX/XXXX for XXXX, NO REPORTING for Experian, and XX/XX/XXXX for XXXX. There are also inaccuracies and inconsistent reporting with Date Last Active, Date of Last Payment, Date Opened, and Account Type Detail. 

XXXX  XXXX : Account number : XXXX, Last reported dates should be the same per bureau. I have disputed this unverified account already and still see it is not removed. By way of example, Last Reported is showing XX/XX/XXXX for XXXX, XX/XX/XXXX for Experian, and XX/XX/XXXX for XXXX. There are also inaccuracies and inconsistent reporting with Date Last Active, Date of Last Payment, Date Opened, and Account Type Detail.
Consumer complaint received 2022-01-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money (OH)

Minto Money is a predatory lender- it is criminal what they charge. I thought there were laws to protect us but apparently there is a loophole this XXXX uses : I do not agree I signed loan docs knowingly with interest rate clearly at the beginning of the document. Unfortunately I had two loans with them and didnt realize the ridiculous interest rate on first one because I paid early plus obviously wasnt paying attention. I signed docs online ( text signature ) but was not given a copy either time and when I tried to access recently I had to request several times via phone as not readily available online. In any case, I was charged 629.3 % and 386.4 %. I feel like this should be illegal. Supposedly they are protected but I have read of other lenders that use the same status but not correctly ( not that I think there should EVER be a way a tribe should be able to take advantage of people needing a small loan that may not have the best credit.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CT)

My issue is the credit reporting bureau Equifax. I reported to them that on my Equifax report my closed account XXXX XXXX whom the mortgage lender I am current with has on my report that I was delinquent in XXXX of XXXX. This is not accurate and I have my bank account statement to prove that it was paid on time. It has still not been removed from my credit report. I submitted this dispute on XX/XX/XXXX in which it was closed, completed, and Equifax never provided me any status on the dispute. 

Today I have submitted a new dispute in which I provided Equifax with the official payment history documentation from XXXX XXXX that shows I have made on time payments for all of XXXX thru XXXX of XXXX and I want that to be reflected in my credit report as it is damaging my credit being unreported. 

I have diminished faith in the Equifax Credit Bureau and want the CFPB 's assistance with these issues. If the CFPB can not help mediate this issue I want to know for myself and others who come across the same problem who do we report an issue to when it is the major credit bureau itself in this case Equifax we have the problem with? Also, I want an accurate regulator of Equifax or other entity with an updated contact name, email address, mailing address, and/or phone number so that I can do so as well as others. 

Credit report accuracy has never been more important as they are today for ordinary people such as myself. We should not have to suffer bad credit scores and jump through hurdles to find the assistance we need to resolve credit discrepancies that hurt us in this economy.
Consumer complaint received 2022-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (OR)

They weren't applying payments in the manner they publish that coincides with the Credit Card Act. Rather than look at and fix the problem, they just kept telling me they were following the rules and attached them. Yet it shows in black & white they did not! They would not fix it. I tried many ways and became so frustrated I closed the account. I submitted complaints. The company responded saying they didn't do anything wrong and posted the rules AGAIN. Yet they didn't follow the rules! Hello! Is anybody listening? 

" balances that are at the same APR will be paid in the order of their expiration dates '' yet they paid my XX/XX/22 balance vs my XX/XX/22 balance. 

I have excellent credit and know it will be affected by closing the account. 
What is happening? Why is this company acting so strange all of the sudden? My concern is for others. This should be investigated.
Consumer complaint received 2017-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (GA)

I received a settlement check from a car accident on XX/XX/XXXX for {$3800.00}. The attorney banks with XXXX XXXX XXXX. After taking a picture of the check and making the deposit I placed the check in a folder where I keep important documents. In XXXX I was going back and fourth to the library and I carried my folder with me. XX/XX/XXXX my husband took my vehicle to a XXXX dealership to get my vehicle detailed. He stated he placed my folder in the trunk of the car. XX/XX/XXXX I checked my account online and noticed XXXX missing. I contacted XXXX and they told me there was a duplicate transaction with the check. I went to the trunk of my vehicle, looked in my folder and noticed the check was not there. My husband went to the dealership and spoke to the manager, he stated he would review the cameras. We contacted XXXX again and filed a fraud claim on our account. I went to XXXX County Police department XX/XX/XXXX -and filed a police report. Case # XXXX. I contacted the attorney and advised him of what was going on. He stated he did not see a dup check on his end. OnXX/XX/XXXX I received a copy of the check from XXXX. The check was presented to Navy Federal XX/XX/XXXX on XXXX XXXX. I went to that Navy Federal branch and spoke to the manager he stated the fraud would need to be handled by XXXX and XXXX. I went to XXXX police dept and filed a police report Case # XXXX. The detective stated he spoke to the person that cashed my check she stated she met her cousin and a female, he told her it was his girlfriend and she was having problems with her account and asked her to cash the check for her. It is nowXX/XX/XXXX all involved banks are stating it is not their fault it is the other bank. XXXX and XXXX have both closed their fraud investigation and I do not have my money back. I have fallen behind ALL my bills because of this situation and would like for this to be resolved immediately.
Consumer complaint received 2021-05-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Experian Information Solutions Inc. (AL)

under my credit report it is showing that XXXX XXXX is /has been sent to collections. The account has a balance due of XXXX and that is a inaccurate balance. I have disputed it with experian numerous times but they never remove or take anything off my report and they continue to make my score drop lower and lower as time passes by. I am XXXX and has been affected by the covid 19. I have documentation if you need this as formal proof. I have been trying to get the account closed and im not showing this has happened either. This is so sad to be happening to someone in the situation that I am in.
Consumer complaint received 2022-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (CT)

I have made countless calls to Truist 's customer service resulted in calls of 30 minutes or more only to have the call drop and no call back from the representative. I ordered a debit card and received the letter with the pin number but no card and going on 3 weeks now I have not received it. 

I called customer service in an attempt to access my online banking and was told I have to fax my request. I need to access 5 years of records in order to qualify for Elder Care coverage and am unable to get any assistance from my bank. 

I have no access to my funds or my statements and the bank has charged me for 3 months of statements which they have not sent. My monthly social security check goes into my checking account and I need to pay for rental expenses. 

Can you please assist me?
Consumer complaint received 2021-05-16
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am writing in regards to the apparent fraudulent access to my XXXX/Bank of America account. 

On XX/XX/2021, I used my XXXX/Bank of America debit card at a Bank of America ATM XXXX XXXX XXXX XXXX XXXX CA XXXX and withdrew {$1000.00}. 

On XX/XX/XXXX, I used my XXXX/Bank of America app to check my account balance but the account had been missing {$2000.00} I then called customer service to expressed my concern about the fraud and they said that they had fixed the problem but gave me no solutions other than that they would send me a new card. They said that 2 separate withdrawals of {$1000.00} from the XXXX XXXX area during the days of XX/XX/XXXX - XXXX. 
I have never given my card to anyone, never used it online, I only use it at a Bank of America ATM near my house XXXX XXXX and definitely dont travel to XXXX California. 

Monday XX/XX/XXXX I called the claim office where they said that the case was already closed but then reopened but still not providing me with any answers as to how these withdrawals happened or what would be done to compensate for the theft of my money. I dont understand how the case was closed without informing me about the investigation and without a resolution in place. All I am asking is for an investigation into how and who has accessed my XXXX/Bank of America account and stolen {$2000.00} and when will I be compensated. I trust your bank under the assumption that my money is safe there, and during this pandemic, XXXX is extremely important for the survival of my family. What safeguards are implemented to prevent this type of theft and when can I expect any information that will resolve this? Please respond as I am very concerned about any other additional fraud that may occur during this correspondence. 

Sincerely,
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

In XX/XX/2022 I sent a letter to the XXXX XXXX XXXX XXXX XXXX XXXX and asked for a report of what I was being charged for since I was an employee of the company that charged me these amounts and never ever sent me a certified letter letting me know of the charges so I could have taken care of it before the owner had sold the property of XXXX XXXX XXXX XXXX. I did a forwarding address when I moved, they never sent me anything, i found out about it after I was denied for an apartment. I reached out to them, the lady that answered the phone was so disgustingly rude and did not answer any questions, she hung up on me several times. So I sent a letter asking for them to mail me a copy of the charges, I have never once received a document from them. I have been told and seen on the XXXX that they have done this to several others. All I want to know is why and what I have been charged for and why was I charged after the selling of the property, I could have pressed charges on the property XXXX XXXX XXXX for throwing a file at me in front of an entire office staff and residents! She terminated my position while going through XXXX XXXX treatment and left me in no position to pay fee 's that are not for rent, any charges on my account are not due to any rent since I was an employee and paid my rent on time. I need help with this awful company, they will not talk with me or send me what I have asked for.
Consumer complaint received 2017-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Stellar Recovery, Inc. (MI)

Paid  XXXX . I have a deletion letter as well from the company stellar recovery on  XXXX  account  XXXX  stellar file number  XXXX  and   XXXX   is still showing this debit and I have contacted them 5 times on this matter. I want this deleted from my credit report account. I 'm not sure if it 's on the other credit reporting agencies as well. But would like that deleted as well. This has been going on way to long. Even the company I paid thinks this is crazy!! Please help