davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: QUALITY ACCEPTANCE LLC (CA)

Inquiry from XXXX on XX/XX/2024, XXXX XXXX XXXX on XX/XX/2024 & XXXX XXXX  on XX/XX/2024 Needs to be deleted from my consumer report immediately. 

In accordance with the Fair Credit Reporting Act, I hereby request that you investigate and delete these items from my report. It is my understanding that you will verify these items with the relevant creditor. If the creditor can not verify the information, please remove it. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect you to complete this reinvestigation within 30 days of receiving this letter. 
Furthermore, I kindly ask that you send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I request that you notify anyone who has accessed my credit report in the past six months of any corrections made. 
I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 
Thank you for your attention and assistance in resolving this matter.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ProCollect, Inc. (AR)

I was applying for a car and realized some damages on my credit report. According to the 15 U.S.C 1681 there should not be any damages on my report, it is a defamation to my character.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Hi please take this is as a formal complaint against the credit reporting agencies and the listed companies. These companies have come together and taken upon themselves to report inaccurate information on my consumer report. They are in violation of several laws but I will name a couple in this complaint. After reviewing my consumer report I noticed accounts attached to my name that I take no responsibility for. When reaching out to these companies XXXX, Transunion, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX requiring proof of association to me they would not comply. If a company can report something on my behalf I should not only give them permission but valid documents with proof should be given to me as well. None of this has been given to me and my correspondence has been ignored. The credit reporting agencies are making money off of me but reporting invalid and false information and I demand for it to be corrected and I be compensated. The harassment and the stress this has caused is beyond out of hand. In all they all are in direct violation of 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer and 15 USC 1692 ( g ) Validation of Debts.
Consumer complaint received 2016-04-07
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America is suing me for a home loan I never signed any documents for. 
XXXX XXXX XXXX XXXX Multi-pledged both my residence and I have submitted a complaint on this to you and was assigned case no. XXXX. I have tried to log in to see Bank Of America 's response. And your sight will not allow me to log in or send me a password so I can log in.
Consumer complaint received 2024-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

1.MY WELLS FARGO CHECKING ACCOUNT NUMBER # XXXX WAS FRUADULENTLY DEBITED BY UNAUTHORIZED PERSONS, BUT WELLS FARGO REFUSED TO REFUND MY ACCOUNT AFTER THEY CLAIMED TO HAVE COMPLETED THEIR INTERNAL INVESTIGATION, CLAIM NUMBER # XXXX IN THE AMOUNT OF {$1000.00}. I HAVE MADE SEVERAL EFFORTS AND PROVIDED EVERY PROOF THAT CERTAIN CRIMINAL ELEMENTS AFTER MY CELLPHONE WAS HACKED IN XX/XX/XXXX. SADLY, THERE HAVE BEEN MULTIPLE OCCURENCE OF THIS ACCOUNT BEEN FRUADULENTLY DEBITED AND WELLS FARGO WAS NOTIFIED AND INSTRUCTED NOT TO ALLOW ANY ONLINE OR CREDIT CARD PURCHASES, BUT THEY STILL ALLOWED. YES, THEY CREDITED MY ACCOUNT ON SEVEARL OTHER OCCASIONS BUT WITH XXXX AND XXXX TRANSACTIONS WELLS FARGO REFUSED TO REFUND MY ACCOUNT. 
2. THE SECOND CLAIM NUMBER IN QUESTION IS # XXXX DATED XX/XX/XXXX. IN THE AMOUNT OF {$1200.00} ALL THESE FRAUDULENT ACTIVITES ARE FROM THE SAME GROUP OF CRIMINAL ELEMENTS, WHICH WELLS FARGO RESAERCH TEAM CONFIRMED. AGAIN, THEIR INVESTIGATIVE TEAM AGREED THAT ALL THESE HAPPENED AFTER WELLS FARGO WAS INSTRUCTED TO STOP ALL TRANSACTION ACTIVITIES WITH THIS CHECKING ACCOUNT. 
PLEASE HELP ME WITH THIS SITUATION, SINCE WELLS FARGO HAS REFUSED TO ASSIST ME IN RECOVERING OF MY MONEY. 
THANKS FOR YOUR COOPORATION AND ASSISTANCE WITH THIS MATTER. 
SINCERELY, XXXX XXXX. 
PHONE ; XXXX
Consumer complaint received 2022-07-20
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. (PA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report. Already done. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$100.00} ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; DP OF EDUC XXXX Balance Owed : {$1100.00} ; DP OF EDUC XXXX Balance Owed : {$2500.00} ; US DEPT ED XXXX Balance Owed : {$4000.00} ; DP OF EDUC XXXX Balance Owed : {$3100.00} ; DP OF EDUC XXXX Balance Owed : {$4500.00} ; DP OF EDUC XXXX Balance Owed : {$1200.00} ; DP OF EDUC XXXX Balance Owed : {$2700.00} ; DP OF EDUC XXXX Balance Owed : {$2500.00} ; XXXX Inquiry Date XX/XX/XXXX ; XXXXXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry XXXX XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2016-11-11
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION (MA)

I use BBVA Compass for my banking as a long-time customer ( approx. 15 years ), even though I recently moved out of their region. My direct deposit was supposed to hit my account today ( XXXX/XXXX/16 ), but the bank is saying that because it is a holiday, they wo n't process it until Monday, the next business day. For an automated electronic transaction, this makes XXXX sense to me. Are their ATM 's turned off today too? I also tried to set up an electronic transfer online to send some money tomorrow ( in the hopes that it processes by then ) to my ex-wife so that my kids are taken care of, and received a message that the transaction could n't be processed because of the holiday. When I called customer service to complain and ask for an explanation, I was told repeatedly ( XXXX calls throughout the day ) that they have had a software update, and their customer service personnel have no access to accounts. On my last call, I was placed on hold for 25 minutes, and when the " supervisor '' picked up, he promptly hung up as soon as I said hello. Although I expressed my frustration and the fact that I deem this level of service unacceptable, at no time was I rude or engaged in personal vitriol. If a financial institution is going to forbid access to its customers accounts, or refuse to process something as simple as a direct deposit, I believe that it should be required to notify its customers to that effect. The fact that many people are on payroll schedules that might fall on a holiday is a common occurrence, and one that I have seen dealt with before ( I work in XXXX ).
Consumer complaint received 2016-05-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (AL)

EXPERIAN HAS REFUSED TO UPDATE MY CREDIT REPORT AS REQUESTED TO REFLECT MY FULL CREDIT HISTORY. EXEPERIAN ONLY REPORTING 4 YEARS OF CREDIT HISTORY WHEN MY CREDIT HISTORY BACK DATES TO 2002. PROVIDED PROOF AND STILL DECLINED TO ASSIST.
Consumer complaint received 2022-07-20
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. (TX)

Im sending this Complaint to inform you that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, UT XXXX ; XXXX XXXX XXXX XXXX XXXX, CO XXXX ; XXXX XXXX XXXX XXXX AV XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$1500.00} ; XXXX XXXX Balance Owed : {$8900.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/2021.
Consumer complaint received 2017-02-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Franklin Collection Service, Inc. (CA)

XXXX XXXX XXXX in retaliation for cancellation of bogus services they attempted to provide me, falsely put this information on my credit report, {$150.00} a false delinquent payment. I cancelled this work order in less then 24 hours after ordering. A yearly review of my credit record, this information was discovered on my credit report to Franklin Collections Inc.
Consumer complaint received 2018-03-16
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: Experian Information Solutions Inc. (FL)

I have a XXXX XXXX XXXX aka XXXX XXXX   XXXX. On XX/XX/2018 I logged on their website and requesting a credit line increase. While I was completing the form on their website. which is XXXX there was an option just under the annual income field that states " by selecting this check box, I am allowing the bank to access my credit report, if necessary. '' I made certain that I did not check that box and i did not. 

Well on XX/XX/2018 I get an email alert from Experian stating that something changed on my credit file. I logged on and according to Experian it was a hard inquiry from XXXX XXXX  for new credit. I did not authorized XXXX to pull my credit. I called Experian to dispute the inquiry but Experian referred me back to XXXX. I called XXXX and that stated I must submit a written request and that they have 90 days to respond. I found that to be absurd. So I decided to submit a complaint through CFPB. 

Also Experian would not take my complaint at all even though after I logged in to their site ( i have credit monitoring service with them ) and attempted to submit the dispute online their website directed me to call to submit disputes about credit inquiries. After waiting 30 minutes on the phone their rep stated they do not dispute take credit inquiries and i must dispute though the company directly. I found that odd and i asked 2 times just for clarification
Consumer complaint received 2015-08-27
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I have been receiving " 0 % for 18 months '' offers from Capital One, with whom I hold a card. This is an offer no one would take if they read carefully. After paying 3 % to use their " 0 % check '' or making a balance transfer, the rate on the entire account goes to 17.9 % if you make a purchase using the card. I think they are counting on people not reading carefully and/or not understanding the offer -- or on accidentally using the card for a purchase. May be legal, but very shifty.
Consumer complaint received 2022-02-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Credit Acceptance, LLC (TX)

I am the federally protected consumer and natural person enforcing my federally protected rights. I have more evidence which shows American Credit Acceptance in violation of my rights. 

I previously submitted an affidavit of truth to American Credit Acceptance sent on XX/XX/2021, received by American Credit Acceptance on XX/XX/2021. This Affidavit of Truth went un-rebutted. 

I then sent a Notice of Opportunity to Cure and Notice of Default alongside an invoice to American Credit Acceptance. 

The response received left me injured as American Credit Acceptance used so much obscene and profane language by alleging that I owe an alleged debt, and stating unless I made a payment towards this alleged obligation they would repossess the vehicle, although they have yet to provide proof of the obligation which has caused so much anguish and mental stress. 

I am truly saddened to have experienced the torturous business practices of American Credit Acceptance. It is with regret that due to the willful noncompliance and continuous violations of my rights, I may never do business with American Credit Acceptance again. This is my final attempt to resolve this matter before litigation.
Consumer complaint received 2022-08-08
Product: Credit card or prepaid 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: WELLS FARGO & COMPANY (AZ)

On XX/XX/XXXX my credit card was charged for the full amount instead of the monthly installments that were set up. This was a mistake on my behalf and I reached out to Wells Fargo to get it reversed. 

They told me that it can take up to 11 business days to get my money back. 

Today is XX/XX/XXXX and I still have not received my funds of over {$3000.00}. 

Ever time I call they give me the runaround, and refuse to tell me when Im getting my money.
Consumer complaint received 2015-03-27
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (VA)

I have had several checking and savings accounts at various banks in the area I live. Each time I open an account, everything is okay, if/when I decide to close my accounts because of various charges, I am charged an arm and a leg to close or even to be billed!
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im sending this Complaint to inform you that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, UT XXXX ; XXXX XXXX XXXX XXXX XXXX, CO XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, AZ XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$1500.00} ; XXXX XXXX Balance Owed : {$8900.00} ; XXXXXXXX XXXX  XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXXXX/XX/202XXXX XXXX XXXX XXXX XXXXXX/XX/2021 ; XXXX XX/XX/2021.
Consumer complaint received 2015-12-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Nationwide Biweekly Administration, Inc. (MO)

I had just bought a house back in XXXX 2015 my mortgage is with XXXX XXXX Co. I was contacted by a Co. called National Bi-weekly Adminstration and was told that their co. was a part of XXXX XXXX and that they could save my thousands on interest payments by making bi-weekly payments my house, payments are due on the first of every month, now they deduct half of the payment every two weeks and the other towards the end of the month but they do n't make the actual payment until sometimes on the XXXX of the month that the payment is due I have been trying to contact this company for the last 2 months to cancel the automatic deductions because they are destroying my credit that has taken me years to build and all I get are recordings and never able to talk to a live person I came across the complaint that was filed against this company and that is why I am trying to contact you today could you PLEASE help me with this I am not sure what to do at this point, because they keep deducting money from my account, I am in the process of alerting my bank to have them stop the deductions at this time, but that process has not been put through yet, this company lied to me about everything its a shame that companies like this cheat honest hard working people again can you PLEASE help me. Thank You Very Much!!!
Consumer complaint received 2024-01-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Chime Financial Inc (LA)

On XX/XX/year> between XXXX and XXXX XXXX, a good friend of mine by the name of XXXX XXXX, try to send money to my active chime account in the amount of {$260.00} or XXXX problem with that was he sent the funds through phone number XXXX, which is actually my cell phone number but not the number linked to my time account. He was on aware of this and before we can clarify the error, the money was gone. He immediately called chime and told them about the mishap and so did I at the same time. He filed a dispute and I filed a dispute via XXXX. I'm guessing chime got tired of me and XXXX  asking for the whereabouts of the money so they closed both disputes and said they see no error. The number that the phones were sent to is a number that I had been trying to link to my chime account since XXXX  of last year to no avail even after providing all the documents they requested they still refused to change the number over so I was forced to have to use an alternate number. For some reason they are hanging on to that phone number but they won't log allow me to link it to my present chime account. Now the money is lost and we have no way of retrieving it and chime will not help all because I removed my direct deposit through all of the bad business that they have been doing
Consumer complaint received 2022-02-04
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. (CA)

The following XXXX and TransUnion credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( XXXX XXXX XXXX  XXXX )
Consumer complaint received 2022-02-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (DC)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XX/XX/XXXX XXXX
Consumer complaint received 2021-05-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ZARVAD III S.A. (TN)

On XX/XX/XXXX I contacted XXXX XXXX XXXX company because I was struggling paying off several loans. I signed up with them and was advised to send an email to the creditors revoking the ACH of my account. I notified my creditors and all of them emailed me back acknowledging that they received it and was honoring it. Well today I received a email from my payday loan a guy named XXXX saying they do not work with debt consolidation companies and wanted me to setup payments with him. I explained to him that all of my other creditors were going to work with them and I could not afford to pay them and they company handling my debts and I this was me trying to do the right thing. My loan is not late and I was trying to take care of this so it would not have to go to collections. I dont understand why they are not willing to work with someone who is trying to pay them the best way I can and not just let the payment go to collections