davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF THE WEST (CA)

My name XXXX XXXX I would like to file a complaint aganist bank of the west which had given me a fresh start know that i was going ti be charge any monthly fee with having to make a certain amount of atm deposit which will wiave my fee that never was the case i was getting charge nonthly fee of XXXX dollar for about a year and then when i was going through a hard time dealing with covid i was in debt that left me to get overdraft and i had contact them through a personal message and over the phone they had no Sympathy for that they charge me a overdraft fee of XXXX dollar that add up to XXXX something dont know exact so i just left it alone untill i got a letter saying to make my payment to what i owe i refuse to pay knowing they coudnt work with me when this start happening hoping they would waive it to where i can still be a customer there but all im asking is to be refund the monthly charges and for the stress and i never even got my bonus as a new cumstomer opening up a checking out as they Advertise so im a unhappy customer who wasnt treated fairy itstead was put in debt with something that could be resolve if i was give a chance to fix thing instead of being in debt so im looking for action be take what i owe be waive abd refund be taken with the the promise of starting fresh and not being treat fair.
Consumer complaint received 2022-03-14
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: Experian Information Solutions Inc. (FL)

Hey I was taken advantage of due to malpractice while several laws is being broken under the FCRA by your company. This has caused me financial injury this is cause me defamation of character, I can't get a job. I can't apply for credit.
Consumer complaint received 2024-04-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (TX)

Navy Federal has not contacted me in regards to a fraud claim I have with them. It has been months, going on a year and each time I call or reach out, I'm met with " there are no new updates on this claim ''. What has happened that the claim seems to have been forgotten about because surely it does not take this long for a decision to be made.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (OH)

I have attempted to contact Experian 3 times in the last two days. the hold time is at 30 minutes each time and then im transferred out of country to a customer service rep that barely speaks XXXX. When I ask for a supervisor they say sorry I can not transfer you to a supervisor. I am a victim of identity theft. I received a letter from the small business administration saying that someone took out a Covid relief loan in my name and information. I pay for premium protection from Experian and have not heard anything from them and can not speak to a representative as all Experian does well is advertising and collecting money.
Consumer complaint received 2020-09-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (WI)

I filed bankruptcy on XX/XX/19 and included my checking account balance my savings account remained open. I had my unemployment direct deposited into my savings account and my whole check was taken for the balance on the checking account which is no longer open.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (GA)

ABILITY RECOVERY SERVICE has reported that I opened an account on XXXX XXXX, 2022 and have defaulted on a loan in the amount of {$310.00}. I do not have an account with this company or the originator XXXX  that was opened on XXXX XXXX, 2022, and do not have a debt related to this date and amount.
Consumer complaint received 2019-04-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

Upon review of my XXXX and Equifax credit reports in XX/XX/2019, I noticed a collection account reporting from XXXX XXXX XXXX ( Account # XXXX ). I contacted the collection agency via mail in XX/XX/2019 sending them a debt validation letter. I do not have a contract with this company therefore I asked for them to show me documentation that proves that I am the party who owes this debt to them. The company responded with a generic collection letter with their company letterhead and I balance owed of {$600.00}. I never received validation of this account nor a signed contract or documentation that this account belongs to me. Since XX/XX/2019 I have sent several additional mail correspondences even offering to settle this unverified account, not acknowledging it as mine, but to have it removed from my credit report as is is affecting my credit worthiness. None of my correspondences after the companys failure to validate debt have been replaced to. I also sent disputed letters to all associated credit bureaus who have also failed to validate debt but continue to insist the debt is verified.
Consumer complaint received 2019-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

We remodeled our home in 2015 and added approximately 1500 square feet which increased our property taxes. We were trying to resolve the amount with the Assessors office and Mr. Cooper started collecting money in an escrow account to pay the past due property taxes. They paid some of our property taxes, but their statement of payments does not reconcile with the XXXX County Treasurer and Tax Collector 's records. Now they are attempting to charge us more than double the original mortgage payment. According to Mr. Cooper it is to repay an amount of property taxes that they can not provide proof of and to compound for future property taxes. When I try to call them to resolve this issue or ask questions about the amounts, Mr. Cooper escrow department hangs up on us. We have tried more than several times to discuss this with Mr. Cooper and resolve the issues. In the interim we have resolved all issues with the XXXX County Treasurer and have paid receipts that are shown on the XXXX County Treasurer and Tax Collector website. We have emailed the paperwork to the address given but can not get a response. We have not been able to speak with anyone at Mr. Cooper to resolve this. Please see attached paperwork for amounts and receipts and thank you for your help.
Consumer complaint received 2022-04-04
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (IL)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I attached some screenshot of the report that might be your guide that there are discrepancies on my accounts because of the inaccurate details in the other bureau. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported XXXX XXXX XXXX XXXX  / {$0.00} / XX/XX/2019
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MD)

Ive tried calling Experian to add some necessary name variations to my credit report, but they said they cant add themonly remove. That doesnt make much sense considering people get married, use aliases, etc. and my name variations are only different ways to format my full name, so it shouldnt be that much of a hassle to add. I need them added for identity verification purposes whenever a creditor pulls my credit report.
Consumer complaint received 2023-03-28
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: WELLS FARGO & COMPANY (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. WF/XXXX  XXXX Date Open : XX/XX/XXXX Balance : {$24000.00} and WELLS FARGO XXXX Date Open : XX/XX/XXXX Balance : {$1800.00}.
Consumer complaint received 2022-04-04
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

on XXXX XX/XX/XXXX, XXXX XXXX had his car repossessed in our driveway while we were home. I was unaware he was struggling to make his payments, so we went outside to ask the tow truck to please leave our property and that we would get it sorted out in the morning. He refused, and continued to take our vehicle. 

The next day, Capital One XXXX XXXX told us the only way we could pay was debit or wire transfer. Since we took a {$10000.00} settlement on the car, I paid that in full and wired them the money exactly how they asked me to do so. They gave specific directions to send funds to XXXX XXXX XXXX, provided their account and routing information and i sent the funds on XX/XX/XXXX. It has been XXXX business days and they are refusing to release the vehicle back to us saying they did not receive the payment from XXXX  XXXX XXXX. My Bank ( XXXX bank ) has contacted XXXX twice which both times, they confirmed that they did in fact have the funds and that they were not sure how to process it. We provided them further info that the wire transfer was for Capital One for an auto loan settlement payoff. They ceased communication after that and continued to not process ( last communication was XX/XX/XXXX ). 

We never received any written notice in the mail on how to get our car back and no written info on the repossession as Illinois state law suggests is necessary. 

We have proof that XXXX  XXXX XXXX says they had the funds on XX/XX/XXXX, they confirmed this information on XX/XX/XXXX and requested more info that was provided the same day. They asked again on the XXXX for the same information that was sent over on the XXXX and is in the memo of the wire transfer. Both Capital One and XXXX  XXXX XXXX are committing misconduct and not complying with processing my payment. We filed for a recall on the wire transfer on XX/XX/XXXX and have not heard back yet on if they will send the payment back. Further misconduct for not returning the funds if they did not know how to process it. 

The car is set to Auction on XXXX, so we will now be losing our vehicle because of XXXX  XXXX XXXX and Capital One not processing my settlement payment on XX/XX/XXXX and we have been without a vehicle for XXXX weeks now. I have proof that the funds were paid and accepted on XX/XX/XXXX and Captial One is still refusing to release the car back to us.
Consumer complaint received 2016-11-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (NY)

I took out a mortgage loan. The monthly payment was advertised to be a low payment. However, within the first year of the loan, the monthly payments kept increasing until I was not able to afford the payment anymore. The bank has changed several times. The loan has been transferred to several entities as you can see it on the summons and complaint and bank correspondence. I tried to do a loan modification but the bank, previous bank, claimed that my application was incomplete when I sent all the documentation required under the XXXX guidelines.
Consumer complaint received 2023-01-31
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. (GA)

I have Fraudulent Accounts on my credit reports for XXXX, Equifax, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : XXXX  Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Late 30 Days Past due amount {$840.00} Fraudulent Account : XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX opened XX/XX/XXXX Open/closed Closed Status Charge off Past due amount {$250.00} Fraudulent Account : XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed closed Status Chargeoff Past due amount {$510.00} Fraudulent Account : XXXX XXXX XXXXXXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$290.00} Fraudulent Account : XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$1600.00}
Consumer complaint received 2023-03-28
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. (NY)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-28
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. (TX)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Delete this account. 
4. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 
5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 
7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Delete this account. 
8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  XXXX Account Number : XXXX Delete this account. 
9. there is some inaccurate information reporting. 
Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2015-09-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc. (VA)

CBE Group, Inc sent a bogus notification of debt collection for XXXX saying that my account is past due, and instructing me to send money via a website, via credit card, or debit card, or via money order. They listed a disconnection date of XXXX/XXXX/15. However, they list an account number that it is not mine, and XXXX never disconnected my number on such date.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX Experian continue to report incorrect information on my consumer report. The account listed as XXXX XXXX was allegedly validated and verified as belonging to me but neither company provided me with the documents or evidence used to come to this conclusion. I would like the information forwarded to me so I may inspect it for myself and follow up with the company that submitted this information this investigation can not be XXXX sided.
Consumer complaint received 2023-03-28
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. (TX)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CT)

I received a notice from Chase Bank that they are increasing my mortgage payment by {$100.00} per month due to an escrow analysis they did. They said they require a " cushion '' amount. I did not apply for the mortgage through Chase at Closing. My mortgage was sold to them. There was no required " cushion '' with the original lender. I am a XXXX senior citizen on a fixed income and I can not afford the {$100.00} per month increase. Now I fear I will lose my house. I thought the increase was a result of removing my car from XXXX XXXX who also holds my homeowners policy so I put my car back with XXXX XXXX and sent the refund to Chase Bank for the escrow account but Chase is now saying the {$800.00} payment did not decrease the monthly mortgage payment. Please help.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Experian claims to have validated and verified this collection account listed as XXXX XXXX XXXX but did not provide me with any evidence that they used to come to this conclusion. I would like the documents or the person with whom they spoke with to determine this information. It is my belief that no such information exists because I have no knowledge of this company or ever doing any business with them to have them listed on my consumer report.
Consumer complaint received 2023-03-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have attempted to dispute an erroneous loan account through Equifax, XXXX, and XXXX. All three credit bureaus have closed my dispute with no resolution and the incorrect information remains on my account. I paid off a loan in XX/XX/2023 in the amount of {$680.00}, the loan company ( XXXX ) insists they sent the documentation that the loan was paid off on XX/XX/2023. XXXX is showing the loan as paid off, but the three credit bureaus are not reflecting the accurate information. This may be an issue with XXXX as well. I would like this account completely removed from my credit report as this has been a terrible issue that is still impacting my credit.