davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

In early XXXX, my wife was contacted by someone on her classs social media platform ( XXXX  ), indicating they wanted to use her photo for a mural art project and were willing to compensate her with $ 500.Subsequently, XXXX electronic checks totaling {$2200.00} were sent to her, instructing her to deposit them into my Wells Fargo checking account, as she does not yet have her own account in the US. The checks, written in my name, were cleared by Wells Fargo, and the full amount was credited to my account. Following this, I transferred {$1700.00} to the sender via XXXX, keeping the agreed-upon {$500.00}. 

Later, it was revealed that the checks were fraudulent, and Wells Fargo deducted the entire {$2200.00} from my account. This left my account overdrawn by {$1400.00}, holding me responsible for their lack of due diligence. Despite the bank 's failure to detect the fraudulent checks or notify me of any issues, they credited my account with the full amount without conducting proper verifications. As a consumer with no expertise in banking procedures, I question how I could be expected to identify fake checks. Additionally, I filed a claim with the bank, which was unjustly denied without explanation. 

I am filing this complaint with the Consumer Financial Protection Bureau to seek justice and resolution in this matter.
Consumer complaint received 2022-03-29
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 XXXX XXXX  {$14000.00} also Account XXXX XXXX {$18000.00} also Account XXXX XXXX  {$16000.00}, 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 a account without my written instructions
Consumer complaint received 2021-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have never been late on this account I would like to see financial accounts showing I was I reached out to the credit bureau for a solution and got no reply. the day was XX/XX/2021. the company doesn't report monthly as agreed in loan contract.
Consumer complaint received 2021-10-04
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. (OH)

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Consumer complaint received 2017-05-01
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. (CO)

Despite the clarification lette r ( see  attached ) from  XXXX , Transunion refuses to delete the account from my credit report.
Consumer complaint received 2016-10-04
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC (AZ)

RE : CFPB Case Number : XXXX Previously tried to respond, but computer stayed buffering, I now realize none of my information was uploaded. 
This is regarding DiTech opting to remove me from the Making Home Affordable Modification Program Incentive : " Pay for Performance ''. DiTech states that due to a late payment in 2014, I no longer qualify for this program. This is not correct.
Consumer complaint received 2022-09-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (TX)

Received an email from XXXX credit monitoring that my credit had dropped XXXX points so I immediately opened up my account and saw 2 judgments appearing on my credit. I have never lived in the XXXX TX or XXXX TX area ever ; I also, did not provide anyone permission to use my SSN to open accounts. Since this email, I have had a total of 4 accounts opened using my SSN and DOB and these scammers seem to be doing it at the same time. I have 2 accounts with XXXX XXXX and now with XXXX XXXX XXXX. 

XXXX XXXX accounts are XXXX and XXXX email on file is XXXX XXXX XXXX XXXX  accounts are XXXX and XXXX email on file is XXXX I have frozen all 3 credit bureaus and put a fraud alert as well. I have sent a letter and email to XXXX XXXX and I just found out about XXXX XXXX XXXX. I provided XXXX XXXX information regarding my issues and they have stated it should take up 30 days to get any resolution.
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX  ; XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$2300.00} on the XXXX - partial account number XXXX. ( Please see pages attached from my credit report. ) I had GAP insurance and the vehicle was deemed a total loss and the remaining balance due was paid in full from an extended warranty I had on the vehicle. This account needs to report a {$0.00} balance. There is no outstanding balance and therefore nothing to send to collections and/or to chargeoff. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX ; Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$2300.00} on the XXXX  - partial account number XXXX. ( Please see pages attached from my credit report. ) I had GAP insurance and the vehicle was deemed a total loss and the remaining balance due was paid in full from an extended warranty I had on the vehicle. This account needs to report a {$0.00} balance. There is no outstanding balance and therefore nothing to send to collections and/or to chargeoff. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2016-08-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (KY)

I submitted documentation from XXXX XXXX XXXX of an error of reporting 30 days late in XXXX 2016 first week of XXXX 2016. The error is showing on my credit file for all XXXX bureaus.
Consumer complaint received 2022-09-06
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. (NV)

The account is not being reported correctly on my credit report. The date opened, high credit, credit limit, date last reported, comments section, date of last activity, date of last payment, and payment history are different across all three credit bureaus. How is this possible if the bureaus are getting their information from the same source, XXXX XXXX? I have written letters to XXXX XXXX and the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account be reported correctly on my credit report or deleted. I also called XXXX XXXX in XX/XX/2022. I have not received a response from the credit bureaus or XXXX XXXX.
Consumer complaint received 2023-04-14
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: MORGAN STANLEY & CO. LLC (MA)

I am a longtime customer of Etrade/Morgan Stanley Private Bank Account XXXX >20years ). I received a letter today ( XX/XX/2023 ) stating that without reason, they are closing my account. My account currently has {$2500.00}. I am given thirty days to act, or Morgan Stanley Private Bank will take action on my behalf. I do not wish to close my account and believe this action is discriminatory. Please help me.
Consumer complaint received 2020-06-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

XX/XX/2020..applied for XXXX credit card I was denied approval due to not enough revolving Accts etc..But DENIAL ALSO STATED LIEN. Didnt say from what company, where, when. this decision was based on Experian, XXXX, XXXX  report. 
By law Liens are not to be disclosed on a credit report or a decision for credit approval. I have searched all State, Govt sites and find no Liens under my name.
Consumer complaint received 2023-04-14
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)

This item needs to be verified with a wet signature. The documents used to furnish this information on my report needs to be provided in a prompt timely manner. 

The wet signature should already be on file with the bureaus. There should be no reason to be requesting information. According to the FCRA, there are specific documents required to furnish a item to a persons credit report. It also states that I can request a copy of these documents from the credit bureaus without reaching out to the creditor. 

This item has no reason to be on my credit report. This item is negatively affecting my credit. If the proper documentation was not used to properly report this to my credit it needs to be removed. 

Send all documents used to place this information on my credit needs to be sent to my mailing address immediately.
Consumer complaint received 2024-03-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I tried to do an " instant deposit '' for {$2600.00} from my Chase bank account to my XXXX account. The whole process was supposed to take no longer than 30 minutes to complete. Once I noticed the transaction was never completed, I reached out to XXXX and they informed me the transaction had expired. They suggested I reach out to my bank to notify them of the pending issue. After Calling Chase, they informed me that the transaction was still pending and to call back when the transaction was completed. The transfer for {$2600.00} was completed by chase on XX/XX/XXXX. Unfortunately, XXXX never received that transfer. I contacted chase to file a claim. the process started on XX/XX/XXXX. The bank asked me to allow 10 business days for the issue to be resolved. On XX/XX/XXXX I accessed my chase bank account and found two additional charges for {$2600.00} each from XXXX. I contacted chase to assist me with the new charges. Chase stated there was a glitch in their system and granted me a temporary reversal of {$5200.00} while they work on resolving that issue. 

As of XX/XX/XXXX the instant deposit for {$2600.00} has yet to be released to my Chase account or my XXXX account. Chase denied the claim and insisted it was a completed transaction that would need to be resolved with XXXX. After speaking to representatives at XXXX, they insist the transaction expired after XXXX minutes on XX/XX/XXXX. 

I have worked diligently with chase and XXXX to have this matter resolved. Neither company has been able to assist me and the money has yet to reach either account. 

The next steps are unclear because neither company has given me a resolution. If someone could please assist me with this matter, it would be greatly appreciated.
Consumer complaint received 2023-04-14
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)

On ( XXXX  ) I sent a letter regarding inaccurate 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 items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person. 
I am submitting this CFPB complaint to request to the Credit Reporting Agencies to once again, investigate and this time remove the disputed accounts completely from my Credit File. If the Credit Bureaus do not comply with the requests under the provisions of the Fair Credit Reporting Act, I will be left with no choice but to file the lawsuit we have been preparing for a long time. The Credit Bureaus only have 30 days left to remove the following accounts completely from my Credit File
Consumer complaint received 2021-06-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (MD)

I discovered I was a Victim of Identity Theft in XX/XX/2014, I filed an Identity Theft Police Report and Affidavit of Fraud. I've contacted the Credit Bureaus multiple times over the past 7 years and notified them that multiple accounts were opened in my name without my knowledge and/or consent. Discover Financial is reporting a fraudulent account on my XXXX  and XXXX XXXX Credit Reports, I notified Discover Financial and advised them I had no knowledge of this account and I believe it was a direct result from Identity Theft. XXXX removed the Discover Financial Account from my XXXX  Report, however XXXX  & XXXX XXXX have continue to report this account as a charge off on my credit reports ...
Consumer complaint received 2021-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

I pulled NY credit report and noticed several inquiries from XX/XX/2019 and several from XXXX and I reported to Equifax that it was fraudulent activity and I did not make them accusations I called at least 5 times already and on one have tried to help resolve my issue and one hung the phone up in my face while I was still talking trying to explain my situation
Consumer complaint received 2021-04-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliance Collection Agencies, Inc. (MI)

On XX/XX/2021, I requested a validation of debt and Hipaa authorization from Alliance collection agency to which they responded on XX/XX/2021 with a very detailed bill outlining ALL of my medical information. They did not provide me a HIPAA release with my signature authorizing XXXX XXXX Hospital to release my information to them. I contacted Alliance Collection Agency on XX/XX/2021 to ask if they had a copy of my HIPAA release, because it was not included in their correspondence on XX/XX/XXXX, to which they responded that they did not. The information that they did provide me with was a direct violation of my HIPAA rights. These items need to be removed from my credit report for violation. The amounts that they state I owe are, {$1500.00} and {$380.00}. Thank you for you help in resolving this matter
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

ALL THREE COMPANIES DO NOT INCLUDE YOUR STATEMENTS IN THEIR REPORTS, THEY JUST SAY THE VERY MINIMUM WHICH MANY TIMES DO NOT SATISFY THE LENDERS OR THE COMPUTERS LOOKING AT REPORT, THE REPORTS INCLUDED ON REPORTS ARE NOT HELPING THE CAUSE OF CLEANING UP CREDIT REPORTS
Consumer complaint received 2024-03-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (FL)

I have recently received my credit report and I've noticed many accounts opened without my authorization : Sequium Asset Solution ; {$600.00} .I am not sure where my information is being stolen from but I'm initiating this report with hopes of getting these issued resolved as it is hurting my credit profile and creating debt that isn't mine.In addition to statement above, I have not live or resided in these locations where these accounts have been opened. This was brought to my attention once I have finally seen my full credit report. I was being denied for a lot of things like bank accounts, credit cards, and loans for example.
Consumer complaint received 2017-03-07
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: World Acceptance Corporation (SC)

I have submitted numerous documentation to World Acceptance Corporation the first letter being submitted XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX including an the Notice of Irrevocable Estoppel by Acquiescence letter. I stated that I would be happy to pay if they would please provide validation and verification of their claim against me and to the date XX/XX/XXXX they have yet to provide me this documentation but they are still reporting this debt to XXXX credit bureaus which is a violation of the FDCPA and are still trying to collect on a debt that has yet to be validated or verified.
Consumer complaint received 2015-12-01
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: Neon Newco Corporation (IN)

The Social Security Administration had informed me that they had sent my payment to Metabank/Netspend on Wednesday, XXXX XXXX, 2015. Usually it 's available the moment it 's sent, but has not been since. They are giving me the runaround saying it is not available when SSA is saying it is.
Consumer complaint received 2024-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (WA)

About XXXX weeks ago, my bank account and my wife account was lock by Chase bank. 
They ask me to call XXXX XXXX XXXX for unlock. I call and take about XXXX hours for unlock my account after they transfer around my call. 
On XX/XX/2024 my XXXX and my XXXX  go to the bank for unlock her account, but yesterday my XXXX  account was lock again. Can not login for pay bill because it is a bussiness account ( XXXX XXXX XXXX XXXX )
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Avant Holding Company, Inc. (DE)

In accordance with the Fair Credit Reporting Act ( FCRA ), I, as a consumer protected under federal law, hereby withdraw any and all authorizations, whether expressed or implied, written or unwritten, verbal or non-verbal, that I may have previously granted. This decision is made pursuant to 15 U.S.C. 6802. Please consider this communication as my formal request to opt out. Privacy Act of 1974 ( 5 U.S. Code 552a )
Consumer complaint received 2015-08-26
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: Ditech Financial LLC (MN)

I am writing to you about an account that Green Tree Servicing LLC which they purchased from another company called XXXX XXXX XXXX ( XXXX ). My account has been written off by the vendor for over XXXX years or so ago. On my last credit report which it did state it was written off and then the amount on that account was about XXXX times less than what they are claiming. I have all of my credit reports stating that fact. Also, They have been calling my house non-stop. Getting about XXXX of their calls about this. Then non-stop letters in the mail about this as well. I will be sending this information and my concerns to the Federal level, XXXX and also my congress person XXXX about this matter. I already tried talking to one of their representatives about this matter, but all he did was yell at me and also treated me like garbage.
Consumer complaint received 2015-07-24
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: National Arbitration Forum (IL)

On Tuesday XX/XX/XXXX, 2015, my mother recieved a message on her answering service, stating this was, XXXX XXXX from XXXX regarding XXXX XXXX. I have not lived at that residence for XXXX years and also have not had that number in the XXXX years I 've been gone. That is my mother 's home and also her home number. Her message continued by saying XXXX has to be at this address Thursday the XX/XX/XXXX to recieve letter and if not there they would send police to arrest me.. Once I recieved the information from my mother, I contacted the number given XXXX XXXX to find out what this was in reference to. I got there voicemail and left the case number she left on answering machine along with my new number to be contacted. The following day, the XX/XX/XXXX I reached out again, and again got voicemail. No one contacted me or came to my mother 's home. Researching on the internet unfair debt collection practices I came across your website.