davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-01
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: CNG FINANCIAL CORPORATION (MO)

I was never given the mini Miranda I was told they where calling from the federal bureau of investors for the us government for check fraud. they would never id they are a collection agency I was told they would garnish my check refused validation & I do have all my calls recorded I also have voicemails left.
Consumer complaint received 2022-02-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2020-10-19
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: I.C. System, Inc. (TX)

Good Day, My name is XXXX XXXX XXXX and I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.
Consumer complaint received 2016-12-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I only have one correct address. I also only have one name. There are other names and addresses on my credit report as well as collections and accounts that do not belong to me. I would like these removed/deleted as they are inaccurately reporting to the Credit Bureaus and negatively affecting me. I would also like to request that an updated credit report be sent to me from all XXXX Credit Bureaus.
Consumer complaint received 2015-10-02
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Per my conversation with CFPB on XXXX/XXXX/15, I am submitting a new complaint based on my original claims and allegations against Bank of America, but will be providing new/additional information, such as a better Bank of America contact to reach out to, i.e. preferably outreach to Bank of America 's CEO/Corporate Headquarters versus a random consumer resolutions center.
Consumer complaint received 2022-09-06
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2016-04-04
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I opened a new bank account with Citizens Bank back in XXXX. On XXXX XXXX, XXXX they debited {$400.00} from my account, leaving me with only {$110.00}. I had bills and other things scheduled to come out of my account. I called to find out what it was and they told me that it was a charge off account from XXXX. I have never had an account with Citizens before. The XXXX number customer service, was not very helpful. In fact they were very rude. I was very upset about the whole situation. They told me there was nothing they could do and i could go into the branch and file a complaint/dispute. I went into the branch and found that Citizens had bought out Charter One. Back in XXXX, I would have a balance left owed to Charter One. Since opening the new account, i have not received XXXX notification, phone call or letter stating I had a charged off account with them and they were going to automatically debit my account. I wasnt even offered a chance to make payment arrangements. I understand it is my debt from 9 years ago and it something I owe. However, i feel its very deceptive to allow someone to open an account and then 4 months later without any warning or notice debit {$400.00}. I did file a dispute on XXXX XXXX, XXXX and still have not heard back about it. In resolution, i would like my money back and then set up payment arrangements. I had to borrow funds to make sure my bills were paid and i was not going to miss those payments.
Consumer complaint received 2017-03-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AUTOMOBILE ACCEPTANCE CORPORATION (GA)

I have been recently checking my credit reports and I have found that Automobile Acceptance has reported inaccurately among the XXXX credit bureaus, XXXX, XXXX, and XXXX. My credit reports show on XXXX as never been late for XX/XX/2016, but XXXX and XXXX show late. This information on XXXX and XXXX is being reported incorrectly.
Consumer complaint received 2015-12-01
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (KY)

I went to make a payment online and their website had been updated 2 weeks ago now I ca n't access and make my payment online. I called them and they said that since I closed the account a while back that now I ca n't get access to the account online and must mail or pay by phone.
Consumer complaint received 2017-10-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NC)

Nelnet has been reporting negatively on my credit report to XXXX, XXXX, and XXXX. I have gotten my lawyers involved in the matter after I was told by nelnet that I needed a subpoena to get them to resolve the required documents but was advised by the attorneys this is not true. 

They have failed and refused to show documentation for me being late and i request the inaccurate negative late payments be deleted off my report backed by FCRA law.
Consumer complaint received 2016-05-02
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (CA)

I am being charged about {$12.00} per month because my bank account balance is quite low. That wealthier customers do n't have to pay this fee is a clear example of price discrimination. Such discrimination has no other purpose than to extort money from those who do n't have the ability to fight it.
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

This is now my THIRD notice to this credit reporting agency for reporting fraudulent information on my report. 

I obtained my credit report that included false and fraudulent information on XX/XX/XXXX. I mailed an ftc identity theft report and a letter explaining this to the bureau. 

I have yet to receive any information about the results. When speaking to representatives - they said it was received and have no results pending. 

It has been two months and this information is still on my credit report impacting my life and my family 's life.
Consumer complaint received 2017-03-14
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Mid-Atlantic Finance Co., Inc. (FL)

I have a automobile with mid Atlantic finance in XXXX Florida, I sent them a Cease and desist for harassing collection calls on XX/XX/XXXX. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX the company proceeded to call me again. on XX/XX/XXXX at XXXX XXXX and pretended to be the legal team and said that he was going to take me to court and garnish my wages for my car loan. He said that I told the previous representative that I was voluntarily giving up the car, I stated I never said that what I said was I will pay the account current in a few days he said he did n't want money and the representative started to yell and I disconnected the call, the gentleman call back two times after that which then becomes harassing. I contact the corporate office and spoke to someone in the legal office by the name of XXXX. Said that my cease and the cyst was not valid and I have no right to tell them not to call me. I advise that my cease and the cyst has been on file for the last four years and calling me it is against the collection that and I will make a complaint.
Consumer complaint received 2016-09-29
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: PENTAGON FEDERAL CREDIT UNION (MA)

Pentagon Federal Credit Union obtained my personal and private financial information from XXXX Bank without my consent or a subpoena. Throughout my communication with PenFed, I have been specific in directing any and all investigation to PenFed internally. PenFed 's operatives have violated XXXX XXXX XXXX laws in addition to The XXXX XXXX XXXX. It is clear that Pretexting and deceit was used. This complaint also covers the fraud related to forged documents and criminal practices. Very closely mirrors XXXX XXXX.
Consumer complaint received 2015-09-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: John C. Bonewicz, P.C. (IL)

COLLECTION AGENCY COUPLED WITH LAWFIRM VIOLATED FCRA, FDCPA, TCPA, SOL, PRIVACY AND CIVIL RIGHTS VIOLATIONS. SERVED ME AND SAID WILL SUE ME TOO ON BEHALF OF XXXX XXXX XXXX
Consumer complaint received 2016-09-28
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (IN)

I issued a stop payment on a check after checksmart refused to work with me after i lost my job. they have been calling me up to 9 times a day demanding payment in full, or that i ask a relative. They have refused my offer to set up a payment plan and have threatened to go into my bank unauthorized and deduct the funds illegally. I told them that i didnt have the money, but i wanted to get the debt paid on an installment loan plan, the refused and they will not quite calling. ive lost my job and have kids to take care of.
Consumer complaint received 2016-10-07
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (CA)

On XX/XX/2016 I sent a Western Union money transfer in the amount of {$930.00} to XXXX XXXX with XXXX to purchase credit repair. Western Union had XXXX XXXX flagged as fraudulent in their system and they proceeded to ask me several questions about XXXX. I told them what she did for a living and what I was paying for. Western Union approved the transaction and did n't alert me to the fact that XXXX and this company was a scam. I never received credit repair services from this company and XXXX ceased communication with me. I was scammed out of almost {$1000.00} and Western Union is refusing to refund it. Control # is XXXX.
Consumer complaint received 2015-09-03
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Capital Accounts, LLC (TX)

Capital Accounts , LLC has been unable to verify the debt. I am provided the name of a vendor, but no detail as to any services. I do not know the vendor for whom they are attempting to collect the debt and when I XXXX the name there is no phone number or website. I am requesting validation of the debt or removal from my credit from the XXXX major reporting agencies. I have requested this via phone call and e-mail ( attached ) yet they continue to attempt to collect the debt without any proof that the debt is valid.
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

Due to covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of covids forbearance period. I have 2 late payments on my report I want removed because I am a victim of covid 19 and legally you should not have put them their.
Consumer complaint received 2017-02-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Submitted complaint to all 3 credit reporting agencies in regards to XXXX reporting an open account on my credit. They are a third party collection agency. I do not and have not ever had an open account with them. Asked credit reports to validate the debt not verify with a 2 digit code system. All three failed to do so within 30 days. They verified not validated and still reporting on the credit as an open account. Again, a third party collection agency who was unable to validate the debt I disputed with them before I went to the credit reporting agencies still ca n't validate. They are doing a computer 2 digit verify code
Consumer complaint received 2021-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSENT AND KNOWLEDGE. THEY USE MY ID TO OPEN A APARTMENT LEASE IN MY NAME. ATTENTION I AM WRITING TO REQUEST AND INITIATE A FORMAL COMPLAINT AGAINST XXXX, XXXX, AND TRANSUNION CRA & # XXXX, XXXX. On XX/XX/2020, I MAILED XXXX, TRANSUNION AND XXXX TO BLOCK FRAUDULENT INFORMATION BEING REPORTED, ACCOUNTS FOR WHICH I AM A VICTIM OF IDENTIFY THEFT ( ATTACHED ). THEY HAVE BEEN UNWILLING AND/OR UNABLE TO CONDUCT AN ADEQUATE INVESTIGATION AND OR FAILED OR REFUSED TO BLOCK USAGE OF THESE FRAUDULENT ACCOUNTS BEING REPORTED. PLEASE CONTACT THESE AGENCIES AND INITIATE A FORMAL INVESTIGATION INTO POSSIBLE VIOLATIONS OF THE FAIR CREDIT REPORTING ACT AND OR FAIR DEBT COLLECTIONS PRACTICES ACT. I WILL ALSO BE CONTACTING THE ATTORNEY GENERAL AND POSTAL INVESTIGATION FOR OTHER POSSIBLE VIOLATIONS OF THE LAW.
Consumer complaint received 2023-04-03
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. (LA)

My name is XXXX 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 XXXX 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 reports no consent is fraud.
Consumer complaint received 2023-04-03
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: Rent Recovery Solutions (MO)

Rent Recovery is a debt collections company that is keep harassing me and damaging my credit with inaccurate inforamtion on my credit file and i have disputed this item on my credit mutilple time to all 3 credit bureau. This company information was removed from my credit file but re inserted back on my credit file which is a violation. They have ruined my life by damaging my credit so i cant obtain employment or get approve for a home or vehicle to help me and my family.
Consumer complaint received 2019-02-26
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. (PA)

On XX/XX/XXXX, my husband and I sent investigation requests to the credit bureaus. They were supposed to respond within 30 days, but they have not.
Consumer complaint received 2016-10-03
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WELLS FARGO & COMPANY (FL)

Based on recent news reports, I believe I have a situation where a Wells Fargo employee forged my signature to cosign a line of credit loan with my former business partner. On XX/XX/2013, Wells Fargo emptied my savings account {$5100.00} claiming right of setoff. I spoke to and sent a letter to Wells explaining why the signature on the loan was not mine. In my letter, I attached a copy of the partner tax return showing that I had sold my interest in the business to my partner over a year before I supposedly signed the loan document. I would not co-sign a loan for a business that I had no interest in. I also explained that I had moved to XXXX from XXXX. There is a XXXX. fax number on the loan document, but no fax number from XXXX. 
I always sign documents using my middle initial. The loan document front page has my typed name XXXX XXXX XXXX, however the signature page is typed and signed XXXX XXXX. I provided Wells a copy of my signature on the XXXX document and my Wells Fargo checking account signature card. Both signatures are signed XXXX XXXX XXXX. The signature on the Wells document is vastly different from the XXXX signatures I provided. Because I did not sign the Wells Fargo loan document, I demand Wells return my money. 
attachment XXXX : XXXX pages Wells loan document attachment XXXX : XXXX page, Wells checking account signature card attachment XXXX : XXXX page, signature page of XXXX
Consumer complaint received 2015-07-15
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (GA)

Between XX/XX/XXXX and XXXX XXXX XXXX/CBNA reported XXXX missed payments to the credit bureaus although I had entered into new credit terms regarding my account with them and they were collecting monthly payments directly from my checking account. None of the payments were missed since our new agreement. XX/XX/XXXX I paid the account in total early. I have spent the years since XX/XX/XXXX and present disputing the approximately XXXX incorrect reporting of late payments to the credit bureaus in regards to this account. I also requested a copy of the later credit terms to which XXXX XXXX/CBNA and I had. I was told the contact was mailed once and can only be sent once. I did not receive the initial revised contract. This incorrect reporting have affected my credit and have infringed on my Rights to Life, Liberty, and Property.
Consumer complaint received 2016-10-11
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: NAVY FEDERAL CREDIT UNION (CA)

As with File no 2016 - CFPB XXXX Navy Federal Credit Union froze all my accounts and limited all access to accounts for any past due payments as late as 5 days. My question is what penalty is being paid to those who had accounts froze. I read those that were sent debt collection letters are eligible for up to {$1000.00} however, what about us that have accounts illegal froze. Are we at least able to individual sue them for violations?
Consumer complaint received 2016-09-21
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (OK)

My house is approved to close on a short Sale with Wells Fargo with a deadline to close by XX/XX/2016. 
Unfortunately the buyers title insurance company is requiring the signer of a previously filed assignment of mortgage between Mers and Wells Fargo be authorized in accordance with Oklahoma state law ( see Oklahoma Assignment and Satisfaction of Mortgage Law ). 
This assignment was signed by a secretary using an ink stamp and wells Fargo is refusing to show proof that this signer was authorized. Wells Fargo has stated the we will have to subpoena them to get a corporate resolution stating that the signer was authorized. 
I am attaching the approval letter, a copy of the assignment of mortgage in question, a copy of the title insurance policy requirement ( see line XXXX ), and a similar corporate resolution from Wells Fargo that would solve this problem ( given to me by the team helping me with a short sale ) We have provided everything Wells Fargo has asked for. 
Please help me to avoid foreclosure! We are so close! 
XXXX XXXX
Consumer complaint received 2019-02-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I received two letters from experian regarding dispute results, I have complained to this credit agency for months and they have not assist my request. Making the debt mine, I don't recall having any account with XXXX. I would like this item removed from my credit profile, Experian has not validated the debt as mine, but they continue to ignore my request of removal, they have violated many consumer laws.