davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NC)

XX/XX/XXXX,, Continuing,, Conversation,, Been Requesting Unlimited Overdraft Protection On My Bank Card For Quite A Min,, Back In Year ( XXXX ) Thru ( XXXX ),, Never Receive It I Only Receive Limited OverDraft Protection On My Bank Card,, This May Be A Very Important Issue!!
Consumer complaint received 2023-03-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (OH)

I already have disputed this account multiple times for the last 6 months and there has been no any respinse after the account information submitted has met the FCRA requirements. The account informations reporting are all inaccurate and doesnt make sense at all. The last active sates and the opening dates of this account has been varying from one bureaus to another. Under 15 U.S. Code 1681 ( e ) ( B ), this is a violation of my rights as a consumer for non compliance. Please remove these account referenced to the files attached.
Consumer complaint received 2022-07-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (TX)

I had a XXXX 's account up until XXXX. I lost my job and was not able to pay them. They turned the account over to Cavalry portfolio in XXXX for collections. Calvary Portfolio is listing this debt as opened in XXXX, and that isnt true. This debt hasnt been paid on or had any type of transaction in over 5 years. They need to update the info they are sharing on my credit report, because it is false.
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo Card Services XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear sir, I have received a letter from one of your company offices, addressed Credit Bureau Dispute Resolution XXXX XXXX XXXX XXXX, XXXX, MN XXXX, with subject Additional information needed to address credit dispute ( Dispute ID Number : XXXX ). I would like to answer the questions written in that letter, even though it is not clear whether I tried to dispute ; since I do not have any account with your company, even with my business. I will answer what your company office worker has asked in it below : FULL NAME : XXXX XXXX COMPLETE ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NJ XXXX FULL ACCOUNT NUMBER IN DISPUTE : Unfortunately, all my business account with Wells Fargo must have been closed last year ; therefore, I can not ask this question. Your company should check the past data to verify this. 
SOCIAL SECURITY NUMBER : XXXX DATE OF BIRTH : XX/XX/XXXX of XXXX  DESCRIPTION OF SPECIFIC INFORMATION WHICH IS INACCURATE IN THE CREDIT REPORT : Since I do not have any accounts with your company, I can not tell the reckonable discrepancy in my credit reports. 
DOCUMENTATION OF IDENTITY THEFT : Enclosed. 

Since your office worker kindly advised me to take a secure method when sending confidential information to above mentioned address, I have decided to use TamperSeal to keep the confidentiality of this letter and identity theft report, instead of email. 
Sincerely,
Consumer complaint received 2022-07-12
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. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

We are not able to get coverage by our warranty company for an incorrect judgement in our file. We are the ones who won the judgement Not the ones given judgement against. Can not reach any one at credit reporting agency ( Experian ). We can not close sales without this and is about to close our business down due to their mistake.
Consumer complaint received 2022-06-19
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. (IL)

In accordance with the fair credit with the fair Credit Reporting Act XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-08-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc. (CT)

COMMONWEALTH FINANCE of XXXX XXXX XXXX in XXXX, PA XXXX called me attempting to collect an alleged debt of {$660.00}. I spoke with a woman on XX/XX/2019 at number XXXX at XXXX XXXX approximately. The woman would not tell me what the debt was related to and demanded my social security number which I was not comfortable providing. I told this woman by phone that I would be sending the company a cease & desist letter and that they were to remove all negative reporting as they are not my original creditor and I do not wish to work with them. I sent this company a Cease & Desist letter that I had notarized immediately. I did make a copy of my notarized cease and desist letter should I need to provide proof. I am enlisting the CFPB to help ensure this company respects and acknowledges my cease and desist request and that they terminate all collection efforts. Most importantly that this company REMOVE ALL NEGATIVE reporting to XXXX, XXXX, and XXXX A/S/A/P as they are damaging my credit.
Consumer complaint received 2018-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I got a alert stating that Experian place a fraud alert on my report, ( XX/XX/2014 ) i call and ask them why was the fraud alert on, so the rep told me he was pass on by XXXX  and XXXX  and the only way they can take it off of i mail in my id with a letter asking to remove, so i call XXXX  and XXXX  directly after Experian told me that one of the other bureau reported it, they both stated no they dont know where Experian get that from and that i have no fraud alert on neither other report
Consumer complaint received 2022-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TOWNE MORTGAGE COMPANY (IL)

I purchased my home on XX/XX/20. When I purchased my home, it was clear that my property taxes were ~ {$11000.00}. Last year there was a significant shortage with my escrow account and there needed to be an adjustment made. I am a XXXX  mother on a fixed income and my mortgage payment went from {$2400.00} to {$2900.00} per month. That put me in a very precarious position. 

I was told by XXXX XXXX and the person who works for her, XXXX, that given the adjustment, there would not be an issue again with my escrow being short because of the changes that were made. I looked at my escrow amount yesterday and there is only {$1100.00} in escrow but nearly {$6000.00} is due next month. When I spoke to XXXX today she said that they hadn't made a mistake and that there would be another significant shortage. I asked to speak to her boss and she told me she was unavailable. I asked to speak to the CEO and her reply was that, " He doesn't speak to customers ''. 

I do not have the money to pay the {$5000.00} difference and I can't afford for my mortgage to go up monthly AGAIN! 

The mortgage company should be responsible for the mistake and pay the difference now and ensure that the amount that I am currently paying will cover escrow going forward unless my property taxes increase. 

I have contacted the media about this company 's horrible and deceptive business practices. 

I would like your assistance in holding XXXX XXXX in XXXX, XXXX accountable.
Consumer complaint received 2022-07-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/XXXX I was contacted by a Social Security agent that was going to help me recover my stolen social # ( XXXX XXXX ). The man, XXXX XXXX sent me his badge & had my local police contact me that there was an investigation. I received this information on my phone while I was driving to a wedding. To freeze my accounts during this trial, I had to transfer some money to a federal account. I went to XXXX XXXXXXXX XXXX XXXX XXXXXXXX RI to do a domestic wire transfer of XXXX. The money was sent to an account in California. Bank of America The money transfer seemed to go out around XXXX on XX/XX/XXXX. The next morning I called the XXXX Police to confirm our conversation from XX/XX/XXXX. They said, I did not talk to them. Then, I knew I had been scammed. I called XXXX  XXXX XXXX XXXXXXXX and XXXX filled out a claim form to let Bank of America know the funds received was a fraud transfer. I talked to the Fraud department at XXXXXXXX XXXX XXXX Bank of America. On XX/XX/XXXX. I called the Wire transfer departments for both banks for the next 2 weeks. XXXX XXXX would not give me the claim #, would not tell me what happened to my money. All I was told was it was being investigated. They would not give me or allow me to talk to the XXXXnvestigator. Later I contacted the manager of my local XXXX XXXX & all he could tell me was XXXX recalled the money & told Bank of America to send it back. Bank of America for 2 weeks would not disclose any information to me because I didnt have an account there. The account in question XXXX XXXX XXXX was not my account. Yet, I have 2 credit cards with Bank of America and had a car loan with them that I paid back. So I went to my local Bank of America branch and talked to the VP. XX/XX/XXXX He arranged a call to the wire transfer depart oXXXX XXXX XXXX. We called & they would only disclose that they reached out to the account & no one called. The VP of the bank said to assume the money went into XXXX XXXX account. I have filed police reports, with XXXX XXXX XXXX police. After one month, XXXX XXXX XXXX through with their investigation. No information has been passed to me. XXXX XXXX the Asst. Manager XXXX XXXXXXXX XXXX XXXX  did give me the claim #. I should be able to know exactly where my money went & be told this info. I know there are date time and stamps put on wire transfers. Bank of America should have given specific info to the VP of the bank. Also, next steps should have been given to me by both fraud departments.
Consumer complaint received 2017-12-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I, XXXX XXXX hereby files a complaint to clear my name with two creditors that need to take an identity theft matter seriously. I have attached to this complaint copies of my original complaints on both creditors. The responsible party for this identity theft was my own father. I should not be penalized for his actions, and for that matter I did request copies of all original creditor contracts that were fraudulently signed with my name. I never received any credit cards from either creditor, and I never knew the accounts existed until I was notified that these credit cards were in default after they were maxed out on credit limits. It does not matter to me if this identity theft is turned over to the proper legal authorities, as what is important is that the truth must be exposed. 
Accordingly, all fraudulent accounts must be deleted from my credit reports permanently. I did receive notice on one of the deletion pages from XXXX whereas XXXX XXXX stated that they reviewed the creditor documents, and that there was sufficient evidence showing that I was the signing party, and the person responsible for payment. This is a complete fabrication. Therefore, I have no choice but to file a complaint with XXXX as well as every credit reporting bureau that the investigation process mandated by the subscriber agreements signed by creditors is being ignored. Each creditor must comply under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act under the subscriber agreement upon. Therefore, I file this complaint with the Consumer Financial Protection Bureau to fulfill the agreements between creditors and credit bureaus. 
All the complaints must be taken seriously, and my rights must be protected. All accounts must be deleted permanently from my credit bureaus, and I must be given notice that my name and social security number have been purged to avoid future collection activities, either by the creditors directly or any associated collection agencies. 
I will obtain legal counsel if necessary as these violations on my rights have caused me great financial harm as well as mental and physical problems. These accounts must be deleted permanently, and my name and social security number must be purged immediately.
Consumer complaint received 2022-07-12
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: EQUIFAX, INC. (PA)

I, XXXX XXXX, consumer in fact, opted out of sharing my personal and private nonpublic information from Equifax. I sent Equifax a " Privacy Opt Out Notice '' on XX/XX/2022. Equifax has been fraudulently disclosing my personal and private consumer information without my consent, which includes the six accounts listed on the notice. I am requesting immediate deletion off of my consumer report.
Consumer complaint received 2022-07-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. (CA)

On XX/XX/2022, {$350.00} was taken from my checking account at XXXX Bank. I received an email from Remitly Transfer on XX/XX/2022, that this had been done. I contacted the bank and canceled my account and opened a new one. 
On Monday, XX/XX/XXXX, I received a notice through XXXX XXXX that a credit card was opened in my name for the amount of {$1000.00}, through XXXX of Delaware. I called them and they canceled the card on XX/XX/XXXX. 
I received emails for many attempted purchases at XXXX XXXX, which I reported to them but shipping had already gone out already on the XXXX. Another purchase from XXXX. 
My Social Security number was compromised as well, most likely from my XXXX account which, I have changed the password on. 
A number of services and publications from XXXX  XXXX, XXXX XXXX, XXXX  XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX County of XXXX XXXX, and many more as such ....
Consumer complaint received 2017-11-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc. (VA)

I have tried to resolve this matter with the original creditor XXXX XXXX XXXX XXXX and AR Resources who is collecting on behalf of the creditor at the time of service I had 2 health care insurances and the hospital did not bill correctly. Upon receiving the bill in the mail I called to provided XXXX XXXX  with copies of my insurance cards they refused to bill insurance due to being a car accident.I was hung up on talk to condescending but the representatives and flat out lied to saying that it will be taking care of and I would not receive any more calls. After several unsuccessful attempts to have issue resolved. I than had my lawyer contact them requesting all bills to be sent directly to him. ( I have copies of the letter from my attorney XXXX XXXX dated XXXX/XXXX/XXXX ) They have ignored his request as well. The account was than referred to AR Resources I was contacted by them an explained the situation the agent refused to bill my insurance and states that the time frame has passed and I would have to pay the money myself. I than called my insurance company who states that there was no time frame for the bill that XXXX XXXX did not send an itemized billing statement so that they may pay they requested that they send one and the bill will be paid. AR Resources on half of XXXX XXXX has refused to resolve this matter
Consumer complaint received 2018-11-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CORELOGIC INC (IN)

I have never went to this company credco XX/XX/2017 or i never asked or gave no one permission to use my name so y should i be charged for something ive never done or asked for so it was someone else ... Stop charging me an take off my credit please ive never went to this company before
Consumer complaint received 2022-07-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (OH)

I received several emails from Wells Fargo saying they have received my application ( XX/XX/22 ), next steps in application ( XX/XX/22 ), and access your documents/welcome to Wells Fargo your account has been approved ( XX/XX/22 ). I did not have any contact or try anything with Wells Fargo so this is a case of fraud. I called Wells Fargo and they agreed an account was open in my name and they closed it down right away.
Consumer complaint received 2023-03-26
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. (AL)

On ( XXXX/XXXX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-04-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A. (NC)

Ive been trying to get PNC Bank to lift fraud alert since XX/XX/2019, and previously since XX/XX/2019. XXXX XXXX XXXX state its a bank issue, and PNC Bank says XXXX XXXX XXXX arent fully processing payment. Which is a lie, I can not even pay my bill online using WiFi, that means bank is stopping my debit transactions, slowed down my online XXXX XXXX XXXX XXXX and turned my data, calls, and texting off XX/XX/2019. All others transactions with my card work except XXXX XXXX XXXX, and expiration date is soon.
Consumer complaint received 2020-02-05
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Huntington Debt Holding LLC (KS)

On XX/XX/2020, I was contacted by XXXX XXXX from XXXX XXXX XXXX on behalf of Huntington Debt Holdings, LLC. XXXX XXXX called my cell phone twice within 5 minutes ( XXXX CST and XXXX CST ) and called my work immediately after looking for me. 

Upon answering the call at my work, I attempted to work out an agreement with Mr. XXXX, but he indicated that my account was in " garnishment '' status. I questioned this, as no legal action had not yet been served, nor a judgment levied against me. I probed this further, and said that there could not be a garnishment against me, as there had been no legal proceedings. 

Mr. XXXX then threatened me with legal action, saying it was " in garnishment status '' because the State of Kansas  would just go ahead and approve their claim. I countered this with " well, since it was not presented in court, no garnishment could occur as of yet. '' Mr. XXXX then became very defensive, saying that I " took merchandise without paying for it. '' At that time, I demanded to speak with a different person, as I did not approve of his tone or professionalism. 

I spoke to a different representative at XXXX XXXX XXXX, and we came to an amicable agreement to pay the debt in full.