davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

I have had a personal account with Wells Fargo for several years. On XX/XX/XXXX, I deposited a business check from my company account into my Wells Fargo account for {$1500.00}. 

On XX/XX/XXXX, I received an emailed notice from Wells Fargo that they were releasing about {$220.00} of the deposited fund, and holding the rest for XXXX days until XX/XX/XXXX. 

On XX/XX/XXXX, I received a further emailed notice from Wells Fargo that they were extending the hold to the entire deposited amount, and adding XXXX more days to the hold until XX/XX/XXXX. 

The deposited item paid through my business account the night of XX/XX/XXXX. 

Wells Fargo will not release the hold, and the funds are not available. 

Wells Fargo tells me that this hold is " for my protection ''. They will not even consider checking to see whether the funds have been received by Wells Fargo. No customer service person online, over the phone or in person will assist me.
Consumer complaint received 2022-05-05
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. (TX)

I am a victim of identity theft fraud. A non-close family member used my information to open up credit accounts when I was younger. 

Upon Checking my credit reports this year, I come to find out that those open accounts were charged off and never paid by the thief. These accounts are now hurting my credit score and hurting me financially to start up my future. 
The following accounts were the ones affected by identity theft. 
XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bank of XXXX # XXXX XXXX XXXX XXXX I have tried to process my requests with the bureaus but see no progress! This is hurting my financial health. It has been longer than XXXX days where I sent out my first certified letters to each bureau. I demand a proper investigation with proof. 
Per 15 U.S. Code 1681s2 - A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate Please be advised this is my last request before I fully intend to pursue litigation in accordance with the XXXX XXXXo enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Despite XXXX written requests, the unverified items listed still remain on my credit report in violation of Federal Law. You are required under the XXXX to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

All of these accounts were not open by me and are still on my report. I have attached the XXXX identity theft report. DELETE THEM ASAP PLEASE. XXXX REPORTS # XXXX & # XXXX
Consumer complaint received 2022-03-15
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. (NJ)

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 2022-05-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America is changing me {$140.00} in overdraft fees on approximately {$20.00} in transactions. I spoke to customer service and spoke to XXXX ID # XXXX. She identified herself as a Manager of Small Business Customer Service. She refused to eliminate all or a portion of the fees even though she stated the policy had been updated to reduce the fees and go into effect in XXXX. 

I asked her several times and she refused. These fees are ridiculous. I have since put enough money to cover the transactions, but not the fees. I am now at a branch waiting to see if the manager will do anything here.
Consumer complaint received 2022-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (NC)

I was recently looking at the credit report that my loan officer pulled and there is a huge discrepancy being reported about this HUNTER WARFIELD account. I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights. It is not correct to manipulate the reporting by increasing the balance they say that I owed even they havent shown documentation. I directly contacted them countless times but I did not hear anything from them. Based on the report that generated the original balance is $ {$3500.00} but as of this writing it is now reported to {$4500.00}. As far as I know I never agree on any terms and condition for this reporting nor I did not agree for any interest that will be assessed on this account. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and altering my true creditworthiness. Im escalating this matter to your office to have this matter resolved in a right manner. I believe that you can correct this error as Consumer Financial Protection Bureau is not tolerating such incorrect reporting that damaging consumers right.
Consumer complaint received 2024-05-29
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

XXXX finance after making a clerical error marked the car as paid off once reinstated, we were given a new account number and told that it would not be delinquent going forward Since they were sending our payments back from their clerical error and now Im being told that XXXX did a rewrite without us knowing and changed the terms and the monthly payment and repossesed the car I need this removed from credit report XXXX is fraudulent. Credit report shows a new monthly payment that we were not told anything about
Consumer complaint received 2022-05-05
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. (NC)

I wish to remove inaccurate personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. In addition, according to 15 USC 6802, no financial institution is supposed to share my information with a third party.

These are clear violations of my federally protected consumer rights.

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-15
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: United PanAm Financial Corp. (TN)

I had a car that was totaled an my insurance paid it an I had gap insurance the car got paid for an they have put it on my credit XXXX had it removed from XXXX an XXXX but XXXX  is saying they investigated it but clearly they didnt because they removed from the other ones so why can they not find out that it is false information
Consumer complaint received 2024-02-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (IL)

Comenity bank continues to harass neighbors, relatives, and friends regarding my past due account. I have advised Comenity bank that I suffered a XXXX XXXX in XXXX. I am trying my best to recover and pay the account in full without filing for bankruptcy.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION (SC)

I have not recieved any verification that this was of my doing. I did not authorize these inquires nor signed documentation to have credit report pulled and it has been over 90 days. laws in 15 USC 1692 have been violated by the company 's actions and i request you to remove these hard inquires from all bureaus immediately.
Consumer complaint received 2022-05-05
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: Siggi LLC (AR)

In accordance with the Fair Credit Reporting act Omni Financi, has violated my rights. 

Omni Financial XXXX lost a lawsuit due to illegally charging interests and fees on loans. I was refunded {$1400.00} for part of interest and fee due to their illegal practices. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-05
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. (PA)

In accordance with the Fair Credit AcXXXX XXXX XXXXccount number # XXXX has violated my rights 15 USC 1681 section 602 A //states I have the right to privacy 15 USC 1681 section A section 2 states a consumer reporting agency can not furnish my account without my written instructions or consent
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I have contacted Equifax three times to freeze my credit report and have provided all the documentation they asked for and yet, they still have n't frozen my account. XXXX and XXXX both froze my credit immediately, but I ca n't get Equifax to respond, even after three written requests.
I am now very concerned as I 've learned that Equifax had a security breach and now, my personal details may have been compromised. I am XXXX years old and worried that my personal information has been compromised.
Consumer complaint received 2022-05-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CLGF Holdco 1, LLC (FL)

I submitted a certified letter to the company on XX/XX/XXXX which was received on XX/XX/XXXX requesting validation of debt which they did not response tracking # XXXX it has now been over 30 days with no response However I did receive a letter that they were updating my address which has nothing to do with my request I did submit a second request on XX/XX/XXXX tracking # XXXX received XXXX for a follow up letter for refusal of validation and this needs to be deleted from all XXXX  credit bureaus
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (VA)

X/X/2017 I read about the Equifax data breach.
Equifax said to go to https : //www.equifaxsecurity2017.com/ and enter information to see if I was impacted.
Once entering my information it said I was now enrolled in their TrustedID service. There was no option to choose to opt-in to this service. There was nothing warning me this would happen and it 's unlawful to force me into opting-in.
Consumer complaint received 2022-05-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc. (MI)

Yesterday XXXX, 2022 I received a call from a man from XXXX XXXX Telephone # XXXX. Told me I was approved for up {$7000.00}. Asked to borrow {$5000.00}. 
He asked for my bank ID and pass code, gave him that info and received a bank verification code from the bank, gave him the code and was told the money will be deposited into my account 1st with verification funds that I was to return to prove my account was legit, after which time I would get {$5000.00} into my account. Called back was told he needed my debit card info in case the funds was not available in my bank account. Gave that info to him out of desperation. Was called back again with a request for my debit card pin. Prior to this was asked to check my account balance, well I called the bank to find out my balance and was immediately connected to the fraud department and was told some accessed my bank account via I phone, and was instructed by the bank to change my online ID and passcode. Now that that's done, I would like to report a fraudulent loan company out here scamming hard working Americans out our hard earned dollars, living in poverty and homeless. Please help put these robbers behind bars where they belong. Such Animals should not be on the loose with their scandalous behavior. 
Thank you kindly
Consumer complaint received 2016-01-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MD)

I submitted multiple disputes with Experian regarding acct identifier : XXXX. This acct was closed in XXXX and was Paid in Full on XXXX. With every dispute the status of the acct got worse culminating in XXXX when this fully paid and closed acct showed up with an Open - Collection status which caused me to be denied for credit by XXXX ( inquiry on XXXX XXXX, XXXX ) due to " recent or current delinquency ''. Experian finally corrected the status of the acct to Paid, Closed but NOT the Payment History where it shows a " C '' mark for XXXX meaning the account is still in collection. This is contrary to the acct status of paid, closed. I called XXXX XXXX who insisted they report correctly. As it stands now, I ca n't even file an online dispute with Experian. I do n't know the reason and it is not stated when they reject me from filing a dispute. I also called Experian who blamed it on XXXX. I filed XXXX complaint XXXX against XXXX XXXX who responded on XXXX XXXX XXXX with a letter ( attached here ). Based on this letter it is clear that Experian is at fault for willful negligence in not removing the Collection mark for the month of XXXX.
Consumer complaint received 2022-05-05
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. (TX)

I have tired to fix this with the credit bureau, but have not got any where with Experian, or XXXX, XXXX. I need help Getting through to these guys are like pulling teeth. 
I have also filed a Police Report Stating the fraud. IN ACCORDANCE WITH THE FAIR CREDIR REPORTER ACT CONVERSION THESE ACCOUNTS HAVE VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 8 STATES I HAVE RIGHT TO PRIVACY15 USC 1681 SECTION 604 A SECTION 2. ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCUNTS WITHOUT MY WRITTEN CONSENT. 
I HAVE BEEN DOING WITH PROBLEM SINCE I WAS A XXXX, IN XXXX MY REAL FATHER WAS USING MY SSN TO GET BUY DIFFERENT THING IN MY NAME BECAUSE I AM A XXXX. PLEASE HELP ME... THE CREDIT BUREAUS ARE NO HELP I EVEN TRIED TO PAY A CREDIT REPAIR COMPANY TO HELP BUT GOT NO WHERE!!!! 
PLEASE HELP ME GET THE ITEMS REMOVE FROM MY CREDIT REPORTS EXPERIAN : XXXX XXXX XXXX Account number XXXX Original creditor Account name XXXX XXXX XXXX Account number XXXX Original creditor Account nameXXXX XXXX  Account XXXX INQUIRES***** XXXX  XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, XXXX By mail only This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX : Account nameXXXX XXXX XXXX Account numberXXXX  Account nameXXXX XXXX XXXX  Account XXXX Account nameXXXX XXXX XXXX Account XXXX Account nameXXXX XXXX XXXX Account numberXXXX Account nameXXXX XXXX Account numberXXXX Inquiries XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Auto Financing XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Sporting Goods Stores XXXX : Account nameXXXX XXXX Account numberXXXX Account nameXXXX XXXX Account numberXXXX Account nameXXXX XXXX XXXX Account numberXXXX Account nameXXXX  Account numberXXXX Account nameXXXX XXXX  Account numberXXXX  Account nameXXXX XXXX  Account numberXXXX Inquiries XXXX XXXX XXXX on XX/XX/XXXX Business Type : Finance, personal XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Business Type : Finance other than personal XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX
Consumer complaint received 2022-05-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion will not follow through with their policy. I have inquiries that I am not familiar with and they refuse to follow through with my dispute I have followed all of the steps that TransUnion had forced me to do and they still will not assist me in getting my identity back
Consumer complaint received 2022-05-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MD)

I have XXXX private loans through Navient. In total I owe {$90000.00}. My interest rates are 9.25 %, 10.25 %, 11.125 %, and 11.13 %. The cost of each loan combined a month is {$850.00}. I've completed multiple financial statements with Navient to prove I can not afford the monthly payments, I have not been able to get it reduced. I make {$60000.00} a year with getting paid {$1300.00} biweekly.
Consumer complaint received 2022-05-05
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Earm LLC (TX)

I received a text and a call that I had 24 hours to respond to the phone call about my account ( very vague did not mention account name or type ) and left a number for me to call. 

I returned the phone call and it was third party called MAC XXXX XXXX  XXXX XXXX I called and let them know that the debt was included and discharged through Bankruptcy. The representative said that he didn't care, this wasn't about bankruptcy, this was about me writing bad check and that if I didn't pay they were going to prosecute me for writing a bad check. He then went on and told me I had 7 years to pay this debt and that if it wasn't paid in the next 24 hours he would file a complaint with the county court. 

After explaining to him that i was no longer liable for this debt because it was included and discharged through my Bankruptcy. He stated " I don't care, you need to learn how to pay your bills. '' and then hung up on me. 

I called back to try and explain the situation and every representative taunted and stated " pay your bills!! '' and proceeded to hang up. 

I keep receiving text and automated robotic phone calls stating I have 24 hours to resolve this issue and leaves the same number for me to call.
Consumer complaint received 2017-09-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Card Receivables Fund Incorporated (NJ)

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, New Jersey, XXXX. stating that they will be submitting a application to the Superior Court of New Jersey to garnish my wages for a debt for XXXX . I checked my credit report and saw there was a judgement as well for this debt. This debt was paid in full in XX/XX/XXXX. I was never given an opportunity to dispute the debt in which they got the judgment for because I was never served any notice. The judgment was filed on XX/XX/XXXX for XXXX The judgment was in favor for XXXX XXXX XXXX. A company I have never heard of. I believe they violated my rights. I did send a certified letter to the court and XXXX XXXX XXXX objecting to their application for wage garnishment. I researched this business and found they are known for illegal practices. They try to collect on old debts and debts people do not even owe, without giving any notice. They freeze bank accounts etc ... I want this business to be held accountable for their illegal practices. I want the judgment they put on me removed and to withdraw the application for wage garnishment. If it is not, I will have no choice but to retain a lawyer and counter sue them for lack of personal jurisdiction and trying to collect on a debt that was paid in XX/XX/XXXX.
Consumer complaint received 2022-05-05
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. (NY)

In accordance with the Fair Credit Reporting act, XXXX XXXX ( Account number ending : 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.