davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have three wire came in on XX/XX/XXXX and XXXX, they charged me for {$15.00} each wire transaction without letting me know ahead, that's fine. Then they have blocked my own funds for over a week now without any reasonable explanation and notice, I have called on XX/XX/XXXX, XXXX and XXXX for over 5 times everyday, tried to solve the problem. HOWEVER, they just keep telling me to wait for the sender 's banks responses! I have known the sender for many years, he has contacted his bank almost everyday last week to provide responses to Bank of America. But they still put hold on my own money! I think this is totally doesn't make sense and unfair! They don't have any right to put hold on my own money for over a week, their service and representatives are not helpful at all!
Consumer complaint received 2021-07-19
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. (CA)

I have been trying to dispute some accounts that is on credit report that been impacting me very negatively. The accounts on the report was incorrect or inconsistent. I have ask them investigate those account multiple times they have yet responded to me on if the accounts was verified or accurate. They havent example where they verified or showed proof of any accuracy nor have they told how they are communicated with the creditors who are reporting these accounts. 

Below are the accounts : The status is incorrect for the following account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-10
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-02-26
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Servatus Corporation (CA)

THIS COMPANY CREDIT SOLUTIONS CORP WAS REMOVED ON XX/XX/2020 AND THEN RE-INSERTED A NEGATIVE ITEM WITHOUT NOTICE FAILURE TO NOTIFY WITH IN 5DAYS VIOLATION I WAS NEVER NOTIFIED BY THE CREDIT BUREAU OR THIS COMPANY I WANT THIS OFF MY REPORT THIS IS HURTING MY CHANCE TO GET A HOUSE AND CAUSING XXXX XXXX I WANT THIS REMOVED ASAP
Consumer complaint received 2021-05-30
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: AMERICAN EXPRESS COMPANY (AR)

My name is XXXX XXXX and I was incarcerated from XX/XX/XXXX to XX/XX/XXXX and I credit and social security was used for them years and I don't recognize any transactions from those years I was in prison
Consumer complaint received 2023-04-05
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. (PA)

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 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 reports no consent is fraud.
Consumer complaint received 2022-01-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (NY)

I have an account with M & T Bank ; on XX/XX/2021, the Bank to Bank Transfer feature went offline while they " update '' the system. It has been offline for about a year now ; with no end date given or in sight. I have called their customer service and spoke with a representative who explained they don't know either, but to check their website and emails for the most up to date info. I visited their FAQ about it and it's nearly a year later and still no end date has been announced. <https : //www3.mtb.com/personal-banking/online-mobile-services/bank-to-bank-transfers-help>
Consumer complaint received 2021-02-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc. (UT)

I recently checked my credit report and I found a derogatory debt that I owed. I don't recognize the company who reported it to the credit agency. It stated that I owe {$1900.00}. The debt I owe was reported XX/XX/2021. It is a collection account from M & M CREDIT. The original lender states XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-07-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Continental Finance Company, LLC (CA)

On XX/XX/2021, I viewed my credit report and saw there was a new collections from XXXX XXXX XXXX that is for a very old debt. This debt was closed at least over 10 years ago. I have been a victim of this creditor re-aging old debt which is highly illegal. I've disputed the claim on my credit report and want it removed from all 3 bureaus.
Consumer complaint received 2023-02-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accscient, LLC (AL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX I just found this collection on my XXXX credit report. I called the XXXX XXXX XXXX XXXX billing numbers that were listed on the credit report. I gave them the details and they reported that I have no overdue/outstanding accounts. 

I called the Nationwide Recovery System line and talked to an agent and a XXXX. They provided information on this supposed collection. The birthdate was not mine and it listed a XXXX XXXX XXXX in XXXX XXXX that I have never seen nor have I ever visited the ER on XX/XX/XXXX. 
Their file number is XXXX XXXX. 

This is a false claim. 

XXXX XXXX XXXX
Consumer complaint received 2021-07-19
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. (AZ)

I have been trying to dispute some accounts that is on credit report that been impacting me very negatively. The accounts on the report was incorrect or inconsistent. I have ask them investigate those account multiple times they have yet responded to me on if the accounts was verified or accurate. They havent example where they verified or showed proof of any accuracy nor have they told how they are communicated with the creditors who are reporting these accounts. 

Below are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (CO)

I applied for a mortgage refinance with Pentagon Federal Credit Union on XX/XX/XXXX. I quickly loaded documentation that was outlined in the initial set of documents I received. As part of the application process I ordered and paid for an appraisal on XXXX for XXXX dollars. Communication back and forth between myself and XXXX XXXX was satisfactory up until XX/XX/XXXX. Since that point, communication has been absent. 

Overview of communications and actions since XX/XX/XXXX : XX/XX/XXXX : Request for me to pay for appraisal ( XXXX dollars ), which I promptly did and scheduled appraisal for XX/XX/XXXX XX/XX/XXXX : I received an email and voicemail from Loan Processor outlining the list of documents needed. This list included documents that I had already provided. I promptly called back and left a voicemail with questions to clarify. I have yet to receive a response to any of my questions even after follow XXXX  on XX/XX/XXXX, XXXX, and XXXX. 

XX/XX/XXXX : I replied to email from XX/XX/XXXX with follow up questions about details of documents needed. 

XX/XX/XXXX : Appraisal took place and appraiser said that the completed appraisal should be available on XX/XX/XXXX. I have not heard anything about appraised value from PenFed to date ( today is XX/XX/XXXX ). 

XX/XX/XXXX : Loaded new pay statements and replied to email chain with XXXX XXXX asking for follow up on initial questions. 

XX/XX/XXXX : Followed up again on email chain with Loan Processor and included Loan Officer on email as well. 

XX/XX/XXXX : I called PenFed main phone line, spoke with a representative, outlined that both my Loan Processor and Loan Officer were unresponsive and that I would like to discontinue the application and be refunded the Appraisal Fee. The representative told me that I would need to speak to a supervisor ( they were not currently available ) and a supervisor would be calling me back the same day. I have yet to receive any communication from a supervisor ( today is XX/XX/XXXX ).
Consumer complaint received 2021-05-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION (PA)

Navy federal seized my bank account on XX/XX/XXXX for the amounts of XXXX checking XXXX checking I had no knowledge of the debt because I never received written notification. I spoke with an agent in the credit card department and he stated that there was a change of address around XX/XX/2016 made by my attorney for veterans compensation. I had no knowledge this occurred, therefore I could not act on a letter that I was being sued because my mail went to my attorney, XXXX XXXX.
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

I didnt give consent to furnish my personal information regarding my open credit plan. Ive been violated and harassed about information I deem private. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2021-05-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (VA)

Reached out to apartment complex about settling XXXX $ move out fee on XX/XX/21. They advised me to send them a check to clear the fee. 

Two weeks later the debt appears with a collections agency. Apartment complex tells me they made mistakes and that I need to actually pay the debt to the collections agency. 

I have disputed with my XXXX  who ruled in my favor. The apartment complex is refusing payment and the collections agency is doing an investigation as to whether or not the debt should be paid by me to the complex or the agency.
Consumer complaint received 2023-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

There is an unauthorized inquiry on my consumer report from XXXX XXXX  dated XX/XX/2023 that I do not know of nor did I give consent to and under the law 15 USC 1681b I must give consent before transunion can report anything to my consumer report which I have not therefore it must be removed.
Consumer complaint received 2021-05-30
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. (OH)

I have been submiting disputes to Experian for over 6 months and i feel than I am being treated " UNFAIR '' which is a direct violation of multiple united states codes. I have submitted numerous documentation and made countless phone calls to seek help with unaccurate information on my consumer report. Numerous disputes have been returned as verified which I the consumer never verified these alleged debts and accounts. I have 15 usc 1682 ( a ) ( 1 ) a ) '' ( Accuracy and fairness ) of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. In addition to that Experian have violated federal united states code by assumed a vital role in assembling and evaluating consumer credit and other information on consumers and was never given written consent as needed as defined in 15 usc 1681b ( a ) ( 2 ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2020-11-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

XX/XX/XXXX, XX/XX/XXXXand Experian have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter.
Consumer complaint received 2021-10-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

XX/XX/XXXX CARD PROVISIONAL CREDIT XXXX {$2.00} XX/XX/XXXX CARD PROVISIONAL CREDIT XXXX {$180.00} XX/XX/XXXX CARD PROVISIONAL CREDIT XXXX {$140.00} Wells Fargo Bank is engaging in account fraud by moving funds from my accounts to other clients business accounts and claiming it to be debit card fraud activity so that they can issue a new card. I called them out and they have retaliated to my claims by sending nine envelopes of the same letter stating reversal of the funds, They engage in this activity immediately after I activate a new card so that I must make a claim and loose the ability to use current card thus needing a replacement. they have now attached my wife 's account in the same manner for me being honest about my suspicions. They currently will not issue me a new card so that I can not preform online transactions. The Bank holds the peoples money, We are the bank, they are engaging in fraud. Please help me! They treat me as if I have no rights or power in regard to this on going scandal. 

Wells Fargo account fraud scandal The company faces additional civil and criminal suits reaching an estimated {$2.00} XXXX by the end of XXXX. The creation of these fake accounts continues to have legal and financial ramifications for Wells Fargo and former bank executives as of early XXXX.
Consumer complaint received 2018-03-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/18 I sent a payment of {$320.00} to XXXX through XXXX XXXX with XXXX. She banks with XXXX  XXXX XXXX and at the time said that she could see it processing, but then never received it. My bank has said the transaction has been completed. So she doesn't have the money, and I don't have the money. This was for rent and I now face possible eviction if I can not receive this money within the next month. Any help would be greatly appreciated.
Consumer complaint received 2021-10-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Marauder Corporation (GA)

Re XXXX I attached the debt verification letter that was sent by my request. I highlighted the name addressed on the doc. That's my maiden name, I have not used my maiden name since XXXX, the statement is for services for XXXX. The name that would of been provided would of matched my insurance card and drivers license with my correct last name. I also attached a pdf of my XXXX insurance card with ID # I've had since XXXX. The document provided has inaccuracies as well as missing insurance information that I would have had at the time of services if this debt was mine. The letter states medical information that violates the HIPPA Act. I never signed a HIPAA form to authorize you to have access to the information.
Consumer complaint received 2021-10-21
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (FL)

They are inaccurate items that i found on my credit report that is damaging my credit score for late payments with the company FLASGSHIP CREDIT ACCEPTAN. That i payed on time. Never receive a email or mail about due date or late payment. the company reported late payment on. XX/XX/XXXX, XXXX XXXX. XXXX XXXX and XX/XX/XXXX. also on my credit report I have two months charge off on all three credit bureau in XXXX and different months. I still have the car and still paying my loan on time. With this charge off i should ( not ) be paying interest on this loan still, when it's a write off with the IRA meaning the company have been payed. 
Please investigate immediately or I have to take legal action with my attorney. 
By LAW 15 U.S. CODE 1666B : Timing of Payments 15 U.S. CODE Chapter 41 : Consumer Credit Protection 15 U.S. CODE 1605 : Determination of Finance Charge
Consumer complaint received 2021-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF NEW YORK MELLON CORPORATION, THE (TX)

The date of transactions was XXXX for {$90.00} for a spoof company that isn't a real company and XXXX has no knowledge of them. the company is claiming to be called XXXX XXXX XXXX XXXX XXXX plan. I ended up needing to use it and the number I called said they didn't have any record of me in their system and they will call me back in 24-48 hours. In under 1-2 minutes they called me back saying they found me but needed to update my information. I found that suspicious and called XXXX support. The agent told me they get calls about this all the time and they are not a warranty company for XXXX. I was given a temporary credit after talking to bnymellon and many weeks later the temporary payment was taken back. Still to this day I have received nothing. XXXX XXXX which will not return my phone calls claims a letter was sent out on XX/XX/21 which isn't true because I can track all incoming mail by photocopy. I have left voicemail after voicemail she will not return my calls. The day I voice concern about the credit being returned she wrote up an unofficial and almost looks fake paper she states that was sent to me but you can tell it's not official. She even saved the file the day she wrote it out. So the paper was not scanned she wrote it up and sent it to me. I will be including the paper she wrote up on her computer.
Consumer complaint received 2020-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

For XXXX XXXX and XXXX in XXXX American Express shows I did not make payments on my credit report. However my bank statements show I was only past due in XXXX of XXXX. My bank statements show that on the following dates these payments were made : XX/XX/XXXX {$200.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$410.00} You will see the mentioned items circled on the attached statements. 
My credit report also indicates that American Express closed my account. However I called to close my account.
Consumer complaint received 2021-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (AL)

I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. This account is paid in full from XXXX XXXX
Consumer complaint received 2020-11-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

Equifax, XX/XX/XXXX and XX/XX/XXXX have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter.
Consumer complaint received 2021-10-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hauge Associates, Inc. (IA)

I got collection for two amounts, one of {$510.00} and another for {$280.00} due to the hospital getting my insurance wrong. Im covered by XXXX ( Iowa total plan care ), never notified i owed. While I normally make every effort to pay my debts and fulfill my responsibilities, in this instance I was, unfortunately, unable to do so. I am writing today because I am now trying to access a auto loan and I am having difficulties due to having a collection on my account. Given the date and amount of this collection, I am kindly requesting your agency consider removing this collection from my credit report as a gesture of goodwill. 
Doing so would sincerely be appreciated and represent an invaluable gift to my family and me. 
Thank you so much