davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (NH)

I have a joint account with my wife. We both attend XXXX XXXX XXXX XXXX. We both received checks from our college, totaling {$6100.00}. They said, the money will be deposited tomorrow morning. My wife woke up in the morning, saw the money in the account, and spent {$920.00} to pay our bills. Then, suddenly, the rest of the money was gone. Its weird since we only spent {$920.00} and yet we were at a negative balance of {$920.00} in our bank accounts. When we called them, they said, we have a legal hold on the money. You should call the fraud prevention department. When we called the fraud department, they werent making any sense ; they were acting like they had no idea what was going on. We called four different numbers and asked when our money was coming because we have a newborn and a toddler to take care of. They all gave us different answers : the XXXX person said XXXX  days, the XXXX  said XXXX  days, and the XXXX  person said until Tuesday, which is XXXX  days from when we deposited the check. 

All I want is for them to explain it to us professionally and clearly about whats happening. At least I want them to be honest. My wife and I felt discriminated against since we are both XXXX ; Im XXXX and shes XXXX. I dont want to play the XXXX XXXX ; I dont think Im XXXX, and I dont think everyone is XXXX. But I feel like because of our XXXX  and income, they think we will make a fake check and commit fraud, which bothers me. The reason why our income is low is that we are XXXX XXXX  and only work part-time. We really depend on the money our college sends us to help us financially. 

You will never see a check as real as the one we gave them. Our college uses XXXX  XXXX XXXX checks, and XXXX is a very large bank ; they should know how to detect a XXXX  XXXX XXXX check. Our check name matches our ID name. It has our college address and phone number. The check has all the information provided to prove it is real. There is no need to hold it for too long ; we need the money now. My wife couldnt pick up her car at the mechanic shop because it costs {$3000.00} to fix her SUV. Thankfully, after explaining it to our mechanic, he said he doesnt mind letting us leave our car until we get the money They also locked my wife out of her account, so she couldnt log in. When she called customer service, for some reason, they helped her log back in.
Consumer complaint received 2024-03-07
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc. (FL)

I am writing to formally file a complaint against Professional Debt Mediation , Inc egarding their erroneous reporting of fraudulent and identity theft accounts associated with my name. Despite my previous disputes, I have received no satisfactory response, and the unjust claims persist on my credit report. 

I HAVE ATTACH MY POLICE REPORT TO THIS COMPLAINT PLEASE SEE ATTACHMENT : Details of the Disputed Accounts : Professional Debt Mediation , Inc Account : Account Number : XXXX Date of Dispute : XX/XX/2023 Description : This account resulted from identity theft, and I have previously disputed its validity without resolution. 

Description : This account is also a result of identity theft, and despite my repeated attempts to rectify the situation, the erroneous reporting continues. 
I have diligently provided all necessary documentation to support my claim of identity theft, yet the mentioned agencies have failed to conduct a thorough investigation and discharge these fraudulent accounts. This persistent false reporting has adversely affected my creditworthiness, causing unwarranted financial and emotional distress.
Consumer complaint received 2022-07-13
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. (NY)

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, & XXXXXXXX XXXX : Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX Account XXXX XXXX, XXXX bank Account # 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 a account without my written instructions
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

All incorrect addresses and names should have been removed from my Credit Report. I called XXXX, Experian, and XXXX in XXXX of 2021, and nothing has happened. I mailed out letters to the above Credit bureaus, and nothing has happened.
Consumer complaint received 2024-03-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NY)

The XXXX XXXX XXXX sent this to a collection agency I don't know any XXXX XXXX I live in XXXX XXXX XXXXXXXX we use XXXX XXXXXXXX I sent the a police report and FTC XXXX and still remains on all three credit reports I want this to go to all three credit bureaus this is not me!!!
Consumer complaint received 2023-04-08
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. (FL)

I recently obtained a copy of my credit report and found out I've been a victim of identity theft & I'm in the process of buying a home for my family. I feel terrible that i've fallen a victim of identity theft. This situation has negatively impacted me. I respectfully request that you promptly delete these fraudulent accounts from my credit report. Please see attached.
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (TX)

discover changed my account information due to fraud, thus opening a new account and triggering a laps in automatic payments that I have always had set up. the company reported negative information to the credit bureau, and refuses to make the wrong situation right. the company has a hard time finding where they went wrong but still refuses to do a XXXX time adjustment. this has hurt my financial report and is detrimental in my requests to obtain new credit
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (DC)

I have asked American Express to resolve a dispute with the XXXX XXXX XXXX XXXX for a parking charge of XXXX as I did not rent a car during my stay at the resort. 
They have not acted my protecting my interests in this matter.
Consumer complaint received 2020-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I have mailed several letters to the bureaus in efforts to correct some misleading information on my credit report. The bureaus have not responded to the requests.
Consumer complaint received 2024-03-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (FL)

Started with covid and Hurricane SallyXXXXDate would have been around XXXX of XXXX.Missed work because of Covid.Then hurricane Sally destroyed my home.Insurance did not pay filed bankruptcy.Mortgage went into forbearance.Have been trying to negotiate since.
Consumer complaint received 2024-03-07
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (CA)

I need a 1099 c form if XXXX XXXX wrote of the debt with the IRS. Theyre required to do so. I want the company they hired without my permission break a law and giving them my identity and information without my consent. Transworld systems INC.
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BMO Bank, N.A. (CA)

In XXXXXXXX XXXX  XXXX after a billing dispute with BMO Bank I told them to close my account. Instead after cashing my check for payment they charge me a {$2.00} interest payment then charge late fees in top of that. Then when I contact them they just transfer me to different departments and put me on hold and I have contacted them several times and they always do the same. The last four numbers on my account are XXXX.
Consumer complaint received 2020-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief.

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed.

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.
Consumer complaint received 2020-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (OK)

I called into three credit cards on XX/XX/XXXX and asked what they were doing for the Covid 19 crisis. They proceeded to tell me that the account would not be delinquent for 3 months starting in XX/XX/2020. I received a creditor phone call saying I was 30 days late or more but not 60 days. As soon as I found this out, I paid the balance and then paid the entire card balance off. The representative mislead me with their information or put in the wrong program dealing with Covid 19.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY (IL)

I did the Administrative Process Act 1946 with a 30-day debt validation letter and ended with Notary Default and Dishonor Register Mail # in this case I was the Plaintiff 6 months later they sold the alleged debt to XXXX XXXX XXXX XXXX XXXXXXXX. I did the exact same thing and guess no one responded to the Affidavits so that fraud has to be XXXX  out with the document case law and the matter of Fact presented. on the record
Consumer complaint received 2023-04-09
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. (FL)

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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX  # XXXX, Account name : XXXXXXXX XXXX XXXX XXXX # XXXX, Account name : 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 a 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 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I found inaccuracies on my report. 

XXXX XXXX  XXXX Account # - XXXX Date- - XX/XX/2020 If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Consumer complaint received 2020-05-23
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: CITIZENS FINANCIAL GROUP, INC. (TX)

This is corresponding to the Case XXXX with Franklin American Mortgage Company. As Franklin American Mortgage Company representative explained, The payment was submitted but just in 2 half payment every two weeks, since when I signed for the mortgage, and was advised to make 2 payments, half of every two weeks to reduce the interest and that is exact what I do as I was told to do. The I received the phone called from Franklin American Mortgage Company reps, the payment was made in full. I believed my credit and my wife credit should be corrected. Perhalp, this is not a late payment, but your computer was turned down my payment and called it a late instead. 

I believed Franklin American Mortgage Company was using a credit reporting power to demolish a good credit individual such as me and my wife. 

Consumer Financial Protection Bureau, please jump in and help since this is an abusing power to trash our good credit. PLEASE HELP IN GETTING MY OUR GOOD CREDIT BACK. and please if this is a single individual abusing the company 's power, this individual not need to be working anymore, since this is a loving country. 

Sincerely, XXXX XXXX XXXX # XXXX
Consumer complaint received 2024-03-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (UT)

I made an XXXX  deposit from XXXX to Gemini last XXXX and they have never credited the funds due to Gemini suggesting I sent the XXXX on the XXXX network. At the time they claimed they do not support the network. Although this takes more work for their developers they are perfectly capable of recovering these funds, but still refuse to credit my account. This " stuck '' XXXX has now appreciated to $ {$3300.00} at current market value. With Gemini being a large Broker and XXXX accounting for nearly 54 % of all XXXX market share, one would think it would be supported by now. I would like them held accountable and I would like them to credit my account. 

My transaction is below. 

I verified the wallet address XXXX  From : XXXX to XXXX Today 's value : XXXX XXXX XXXX Original Transaction Time : XXXX XXXX PM +UTC Transaction Hash XXXX XXXX $ XXXX https : XXXX
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I found inaccuracies on my report. 


XXXX Account # - XXXX XXXX If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Consumer complaint received 2020-05-23
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (NY)

this bank is ridiculous after their account protection has approved my application for credit with a store called XXXX card i called them because i have a fraud alert on my credit they asked me a few security queations then said congratulations you have been approved for XXXX and should receive your card in the mail i get the card in the mail welcome kit they sent me and i cant use the card im sick and tired of this banks practices i feel discrimainted this is not the first time they have done this to me its multiple times and they usually end up closing my accounts always after sending them documents lying and saying they cant verify my identity this is not nice or fair after approving me that they wont let me use my card why do they hate me so much i sent them the docuemnts now i hope they dont close my account without my knowledge this bank is horible with processing documents i sent them i hate them
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: First Technology Federal Credit Union (TX)

I need assistance regarding an issue of identity theft and unauthorized account opening at First Tech Federal Credit Union. On XX/XX/XXXX, my identity was compromised, leading to attempts to open multiple credit cards and bank accounts in my name without my consent.

Immediately upon discovering these fraudulent activities, I took proactive steps to secure my financial identity : 1. I notified all three major credit bureaus ( XXXX, XXXX, and XXXX ) about the identity theft and placed a lock on my credit to prevent further unauthorized activity. 
2. I contacted all financial institutions involved, informing them of the fraudulent account openings and requesting the closure of these unauthorized accounts. 

All institutions, except for First Tech Federal Credit Union, have acknowledged the situation and have taken appropriate actions to assist in resolving this matter. However, First Tech Federal Credit Union has not only refused to close the unauthorized account but has also placed an unreasonable burden on me to prove the account 's fraudulent nature. This demand is despite the clear evidence of identity theft and fraudulent activity already available through my credit report and the notifications sent to the credit bureaus. 

I find First Tech Federal Credit Union 's response to be inadequate and unhelpful, further exacerbating the stress and potential financial harm caused by the initial identity theft.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

There was a recall on my daughters car ( I co-signed ) for transmission problems. ( XXXX ) I had it towed to the car lot. It was a class action suit for recalls. Nissan XXXX XXXX. Once they fixed it. They called and wanted to charge {$3000.00}. But it was supposed to be free. But since we couldnt afford to get it back. They sold it. They sent me a notice saying they sold it. ( XXXX ). The original price was XXXX. The payments were {$700.00}. The payments were current. We had the car for XXXX yrs. Prior to the transmission failing. So I paid {$25000.00} prior to the repair. Which would have only left {$6600.00} out of the total purchase.
Consumer complaint received 2022-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to 15 use 1681b section 2, the consumer reporting agencies can only furnish a consumer report under the written permission of the consumer whom it's relating to. My permission was not given. This is aggravated identity theft.
Consumer complaint received 2020-05-23
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: Navient Solutions, LLC. (AL)

Thank you for allowing the complaint to be investigated according to FCRA guidelines. While reviewing the credit report from all major bureaus ; Pioneer Services continues to compromised credit scores along with creditworthiness. Correspondence sent from Pioneer regarding possible collection activity with a series of aggressive options if the response wasn't returned. 
Made contact and was fully granted Federal Loan Rehabilitation Program. This allowed an amount of five dollars monthly according to income ( please review the attached documents ). Per the company, signed and sent documents as requested. Began payments and remained in compliance pre-COVID-19. 
According to all major bureaus, Pioneer Services continues to reports delinquent payment history on profile. According to FCRA guidelines, improper use of furnishing incorrect data is illegal to the consumer. While the Credit Reporting Agencies gather this information ; Pioneers   illegal reporting will permit the possibility of a series of lines of credit and decline in credit score which deplete creditworthiness.
Consumer complaint received 2018-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XX/XX/2012 my account reflects 90 days past due XX/XX/2012 my account reflects 120 days past due This applies to both loans. My account was current and no past due as reflected.
Consumer complaint received 2024-03-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (TX)

I use Direct Pay Service from Wells Fargo Bank to pay my workers. Wells Fargo is supposed to verify the routing number and the account number of the payee that they are valid and that they match payee 's name, as it has been done in other occasions that they caught any wrong information entered before executing the transfer. They failed to do that for 2 times and the funds were transfer to somebody else. The routing number entered by me was for XXXXXXXX XXXX  and the account number was a Wells Fargo account, so the transfer should have not been executed due to the discrepancy. 
Direct Transfers in dispute : XX/XX/year> {$960.00} XXXX XXXX XX/XX/year> {$230.00} XXXX XXXX I contacted Wells Fargo Direct Pay Department to get this fixed and get the transfer reversed but they refuse to help me.