davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2019, I made a deposit of {$530.00} into my checking account and the money was illegally/fraudulently withdrawn. Evidently, Wells Fargo Bank employees were micro managing and/or flagging my account status in order to process the unauthorized withdrawal and impose a negative account balance on its customers by charging them {$120.00} processing bank fee. 

I believe these financial misappropriations are premeditated in order to charge customers excessive bank fees. So, that Wells Fargo can recuperate the {$85.00} million dollar class action suit which, they already owe their clients by defrauding customers into unauthorized bank accounts. 

I personally visited the Wells Fargo XXXX Florida Corporate Branch location on XX/XX/2019 to dispute the matter in its entirety. I spoke to a Ms. XXXX XXXX, and explained to her that I was disputing the fraudulent transaction ( s ) amount in its entirety. Ms. XXXX, then misled me into believing that she would file a claim on my behalf all I had to do was sign a dispute. Instead she was deviant in having me sign an agreement that she had me understand and believe was merely a dispute of my checking bank accounts fraudulent activities.
Consumer complaint received 2019-10-05
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. (UT)

" NEW ISSUE '' Trans Union and XXXX are both breaking the law! XXXX has police report documentation which specifically states my identity and my accounts were fraudulently used. They have specifically violated the Fair Credit Billing Act and Truth in lending Act. They are NOT supposed to report fraudulent balances under these laws. Their fraud investigation failed to contact Detective XXXX XXXX as my credit cards were fraudulent used. I DID NOT authorize or give someone else permission to use any of my cards my life was threatened and a crime was committed against me. The police reports overrides their investigation and the FCBA and TILA are federal laws that both Trans Union and XXXX are both exploiting and ignoring the law. So I am continuously filing complaints against both with the CFPB. Continuously reporting this XXXX account on my credit reports is a willful and direct violation under the FCRA section 623 and FCBA and the TILA acts.
Consumer complaint received 2019-06-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America locked my checking account on XX/XX/19 due to " suspicious activity ''. I have a bank printout that shows a balance on XX/XX/19 of {$5900.00}. 
I was told verbally by the local bank manager that there was an issue with a check deposit of {$3300.00}. The check was improperly modified but was initialed by the owner who issued the check. 
On XX/XX/19 I received a cashers check {$1000.00} and a statement that said the issue was closed. 

Subtracting the suspect amount from the balance statement leaves a total of {$2600.00} due to me. 

The check for {$1000.00} is short by {$1600.00}.
Consumer complaint received 2021-06-12
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

I submitted a dispute with Equifax regarding inaccurate information on my credit report. The third letter written to them asked them to provide the name of the person they verified the account with at the original creditor. They have failed to respond with that information and marked the account ( s ) as verified. Equifax continues to report inaccurate information. I would like to file a complaint with this agency to look into before taking further action.

I have several inquiries on my report and I submitted letters from the agency that checked my credit without authorization and Equifax refuses to remove the inquire even with proof. This is a violation and needs to be handled ASAP. Thank you in advance. If your agency is unable to handle this complaint please notify me so I can escalate the investigation. 

XXXX XXXX XXXX
Consumer complaint received 2021-06-12
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: Bliksum, LLC (VA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2018-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

I contacted Navy Federal as I had 2 accounts approaching 30 day late. I asked which 2 accounts those were so that I could pay before it would be reported. I posted 2 payments to bring my accounts current with plans to post the final payment to the 3rd account before it hit 30 days. I was mislead into believing I had paid the 2 accounts that were passed due when I had not. My accounts were closed without explanation and statements forwarded to an old address where I had no way of knowing my dates. Also, online access and convenient payment options weren't available to me but only by driving an hour or more depending on my location to post a payment. This 30 day mark has caused my credit scores to plummet and I feel this is due to error on Navy Federals part. I've been a member just over a year and had not missed a payment prior to this. This could have easily been handled had I known but Navy Federal chose to call me on day 31 advising me that I would need to make a payment to avoid additional fees/late charge penalties. This is ridiculous
Consumer complaint received 2022-02-03
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. (CA)

XXXX  XXXX XXXX is reporting on my personal credit file with Equifax credit reporting agency. This account was opened fraudulently. The account liabilites on my credit report are absolutely confusing and incorrect. Please produce the contract used to verify this account because I have none with them and the information you have is inaccurate. 

( XXXX XXXX XXXX  XXXX )
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am submitting this complaint on my own. There is no third party involved. I have sent numerous letters to XXXX, and Experian informing them that I am a victim of identity theft. Someone opened an auto loan under my SSN. This item in my credit file is from unauthorized use of my social security number and card. I did not authorize the account to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. I'm asking XXXX, and Experian to Please remove this information from my consumer report under 15 U.S.C. 1681c-2. This is really hurting my reputation and affecting my ability to get a new job and home. I filed an FTC report. Please see attached.
Consumer complaint received 2021-12-21
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. (NJ)

Whom It May Concern, I have sent multiple dispute letters in regards to the following unauthorized Hard inquiries found on my credit report. These are fraudulent and need to be removed from my credit report. According to FCRA these should be removed As soon as possible. 
Equifax XXXX XX/XX/XXXX XXXX Equifax XXXX XXXX  XX/XX/XXXX Equifax
Consumer complaint received 2022-12-02
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. (OK)

I filed an identity theft report on XX/XX/2022 ( attached ). I uploaded the report to, XXXX, and Experian the alleged accounts that are fraud which are XXXX XXXX XXXX AND XXXX XXXX XXXX and they are still reporting on my credit. They have not removed them or blocked these fraudulent accounts which is violation of 15 USC 1681C ( 2 ) ( A )!!! I need these accounts removed immediately! Once a consumer filed a ftc report the XXXX has 4 days to remove them!!!!!
Consumer complaint received 2022-02-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FORD MOTOR CREDIT CO. (TX)

I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. But the issue is that the website never completely lets me finish the account setup with usual errors ( ie " failed security check '' or " site error, try again '' ) on multiple occasions. Contacting IT department of the bureaus lead to nothing as the agent would " open a ticket '' and no resolution was reached. When the site actually does let me make an account, I can't submit any disputes due to further glitches and contacting IT again leads to nowhere. Last option remains to call their representatives and proceed to dispute through that but when I do call, the reps are too lazy to even properly initiate any disputes. FTC and police report numbers are not taken over the phone and are asked to mail instead. Even after mailing the said documentations over and over again via certified mail and having proofs that the bureau received it, the agents keep denying the receipt and keep hindering my attempts to fix any and all attempts to resolve this drastic information leaks on the bureaus end.
Consumer complaint received 2022-10-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (AZ)

I have made over 120 qualifying payments toward PSLF but I only have two payments showing as qualifying. I had been with XXXX XXXX since XXXX, having only Direct Loans. I was on track for forgiveness. The limited waiver was applied to my account in XXXX of XXXX. The payments across my loans were now different for unexplained reasons. I consolidated the loans to obtain the correct highest counts across all of my loans. The consolidation completed in XXXX of XXXX. I was forced to choose Mohela rather than XXXX at the time of consolidation. I have since had an employment certification form processed by Mohela in XX/XX/XXXX. The payment count on the consolidation loan was updated from zero to two payments. I contacted Mohela regarding when the qualifying payment counts prior to consolidation would be included in the total. Mohela indicated that they would be included by the end of XX/XX/XXXX. In the beginning of XX/XX/XXXX, I filed a compliant with the FSA Ombudsman group.

The FSA Ombudsman group has indicated that XXXX XXXX is supposed to update the count, Mohela is supposed to update the count, and that the Department of Education is supposed to update the counts. I have contacted each of the Mohela, XXXX XXXX, and the Deptartment of Education, but no one seems to know who is supposed to update the account. I contacted the Ombudsman groups at each of Mohela and XXXX XXXX while on the phone with the FSA Ombudsman. The FSA Ombudsman group told XXXX XXXX XXXX Ombudsman that XXXX must transfer the loan information to Mohela to get the counts updated. The FSA Ombudsman later told Mohela 's Ombudsman that the waiver will not be applied until later in the fall. I told both that the waiver had already been applied to my account in XXXX of XXXX. The FSA Ombudsman then said that I had to wait longer. When asked how much longer, no answer was provided. The FSA Ombudsman indicated that they have no timeline in which to process the waiver, that it can take years, and that I have no recourse. 

I have only had Direct loans and have only had one employer - the federal government. 

XXXX is in my promissory note. I have made over 120 qualifying payments and over 118 of them are not being counted. I have already made the qualifying payments toward forgiveness, but my loan servicer refuses to acknowledge them so that I qualify for forgiveness. It has been five months since my consolidation completed, and all of those qualifying payments made before consolidation have disappeared. Nearly ten years of payments are being ignored. Each of Mohela, FSA, the Department of Education, and XXXX XXXX are blaming each other as to why these qualifying payments are being ignored.
Consumer complaint received 2021-06-12
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. (FL)

The company that I'm filing a complaint against Transunion. I filed a complaint well over 30 days ago requesting an investigation for several accounts listed on my credit report. I have yet to receive a response. 
This company has not answered after several attempts of me requesting a method of validation for the following accounts. 
XXXX XXXX I was never late on XX/XX/XXXX XXXX XXXX XXXX was never late XX/XX/XXXX XXXX Have never done business with a company XXXX XXXX XXXX Account was in forbearance and is in good standing but reporting with lates. 
XXXX XXXX XXXX XXXX Never validated XXXX XXXX I was never late XX/XX/XXXX this is a closed account and was a bank error! 
XXXX XXXX - This account has been up to date for over 9 years and they won't respond to my request to update it.
Consumer complaint received 2019-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX
Consumer complaint received 2015-07-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (OH)

In, XXXX I pulled my credit and found that I had a debt to the Ohio XXXX Courthouse. So I contacted them and paid all taxes owed and additional fees to remove the tan lien with XXXX XXXX courthouse, they gave me a receipt, a letter and verified it was paid in full and released and would be removed from my report in XXXX. 

In XXXX the credit bureau places on my credit a tax lein of {$290.00} on both my names and spouses. So I copied my letter and wrote to all three agencies asking them to remove or at least reflect paid in full. Instead of removing the nuts determined it was verified we owed XXXX but that it is not accurate as I have the orginial paperwork and contacted XXXX County records and Attorney General as you can also and they will share with you its paid. 

Regarldess in XXXX, I applied for a mortgage and it was on there again, It keeps going on and off I have disputed this atleast 3-4 times. I attempted to dispute this week online XX/XX/XXXX and I get a message stating that it can not be disputed 2 times, despite the fact they have proof it was paid and are reporting that I still owe this debt. I called both the Ohio Attorney General XXXX and collection and the XXXX XXXX Court Clerk of records Divison that reported that it should not be on my credit and they stated they were not reporting to the bureau, instead they claim that this is the bureaus error. 
I pulled my credit and it shows unpaid {$290.00} for a tax lien by XXXX agencies, in addition this debt was in XXXX/XXXX/XXXX and it has been reporting beyond the ( XXXX limit for paid tax liens. ( this is now 9 years that they bureau has been reporting this as unpaid when it was paid in XXXX ), below is the scanned proof. I am asking the bureau to remove immediately from both my credit and my spouses and send written verification they did so,
Consumer complaint received 2015-07-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (FL)

Notice of federal tax Lien is on my public record and it should have been remove since XXXX/XXXX/2014. All credit agency 's XXXX XXXX XXXX and Experian still show it on my creditreport I want it off now.
Consumer complaint received 2018-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Apelles, LLC (FL)

Last year I elected to change my banking relationship from XXXX XXXX to XXXX. One of the accounts I attempted to close was a checking account # XXXX I used to auto pay my monthly homeowners fees to XXXX XXXX XXXX in XXXX, Fl. in the amount of {$68.00}. 

I personally visited the XXXX XXXX  branch on XXXX XXXX. XXXX to close the account and spoke to a bank officeXXXX named XXXX who supposedly closed the account as requested. 

Several weeks later I began receiving notices from the HOA that XXXX XXXX was continuing to send payments to the HOA which they were returning without cashing, and I needed to contact XXXX to resolve this issue. 

I again visited XXXX XXXX  and spoke to the same officer and stated that the account was not properly closed and XXXX was continuing to send checks to the HOA. He said he would take care of the matter without further delay. The issue was not resolved and checks continued to the HOA. 

I then continued to contact the original XXXX XXXX manager who had opened the account and he contacted XXXX. This appeared to resolve the matter and I assumed everything was finally properly taken care of. 

Last week I received a call from XXXX XXXX stating I needed to pay an outstand debt on this account in the amount of {$54.00} or it would be turned over to a collection agency. This is more than a year after I assumed everything had finally been taken care of. They also stated I received a collection letter I also did not receive until several days later. I called the collection agency to explain the issue, however, they said since XXXX  was their client I needed to contact XXXX directly. 

I again visited the XXXX branch on XXXX XXXX. this time speaking to the manager XXXX who promised to look into the matter. A couple of days later I received a call from her stating XXXX was not willing to waive any fees and I needed to the debt or a collection action would be taken against me. 

Tis is not a debt which I owe and is clearly the fault of XXXX XXXX  which did not properly close my account when tis all started. /what I find most interesting the debt attempting to be collected {$54.00} is not even the same as the HOA fee of {$68.00}.
Consumer complaint received 2022-12-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX in the past years ( XXXX ). Had people supposed to helping with loan modification, several time. Unable to pay mortgage due to loss of income in the past years. I was laid off and my income was less also. Had to pay the expensive insurance for my husband. Lost income of XXXX per month. His S/S did not begin until XXXX. Had to pay the bills with what money I had. My husband needed XXXX XXXX XXXX XXXX XXXX and our daughter to quit her job to be home with him daily. 
Several individual 's I pad to assist in the past stopped when my husband passed away last year. I am pleading for assistance it is just myself and my daughter, we have no other family alive, friends have turned their backs also. It seems the others just helped me into a bigger mess. If a short sale will help ok, I don't have any idea where we go. 
Thank you
Consumer complaint received 2021-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple Equifax Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-02-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (IN)

I had created a payment plan with Midland Credit Management ( or may be Midland Funding ). I sent checks via my BillPay in the amount of {$56.00}. I requested that my bank close the bank account used to consolidate to one checking account and canceled the BillPay. On XX/XX/22 I see a transaction of {$56.00} Check # XXXX. This is NOT something I sent out or authorized and I have had no communication about this. 

Midland used my account number and routing number from previous checks to create their own check and submit to my bank for payment. This is overreach and honestly, seems illegal. Plus, then, it reactivated an account I do not use, causing a NSF fee. 

My bank told me to contact the company and I did, but they acted like it was business as usual. I requested to cancel my payment plan. It is NOT okay for a company to access my bank accounts at their whim and use my information when I did not authorize it.