davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (IL)

Using the Wells Fargo online banking site, I authorized Wells Fargo to withdraw {$5000.00} from my XXXX ( division of XXXX ) account into my Wells Fargo account. Wells Fargo successfully withdrew those funds out of my XXXX acct on XX/XX/XXXX. As of XX/XX/XXXX the funds have not been deposited into my Wells Fargo account. After submitting disputes and " research '' cases with both banks, I have learned that XXXX XXXX XXXX explanation is that they received the instructions from Wells Fargo and completed the transaction, and that they have no further record of anything beyond that, since the transaction was initiated by Wells Fargo. I have also initiated complaints/ disputes/research cases with Wells Fargo XXXX After weeks telling me they had no record of anything, Wells Fargo finally found transaction records. XXXX This was after XXXX XXXX provided me with a trace number for the withdrawal that was actually issued by Wells Fargo, provided below. ) Even after being given their own trace number, and receiving my written complaints clearly explaining that the transaction was initiated using the Wells Fargo online banking site, weeks of so called " research '' by Wells Fargo resulted in their " determination '' that they have no idea where those funds are, there's nothing they can do and I should work with XXXX XXXX to get my money back since XXXX XXXX  initiated the transaction ( which is completely inaccurate ). Wells Fargo also claims that they sent the incoming funds back to XXXX XXXX, supposedly because of internal fraud detection even though their own system initiated the transaction. The funds were never returned back to my XXXXXXXX XXXX  account and Wells Fargo has not provided a trace number for that supposed return of funds. The bottom line is that Wells Fargo took funds from my XXXX XXXX  account and has no idea where it is. It's been two months with no correction. Wells Fargo wouldn't even provide me with a provisional credit while trying to find my missing funds which I believe is required by law after 10 days, according to Regulation E. 

Even though their own weeks of " escalated research '' had it wrong, Wells Fargo has never disputed the fact they their own system initiated the withdrawal of funds out of my XXXXXXXX XXXX account. It is clearly their responsibility to handle those funds correctly. 

The Wells Fargo tracing number for the electronic withdrawal of funds is : XXXX The Wells Fargo case number that resolved nothing and was based on a completely contrary and inaccurate representation of facts is : XXXX
Consumer complaint received 2024-12-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (FL)

According to FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until this debt is validated and I the consumer have not received a debt validation letter for the accounts below. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days. Please send me a copy of my credit report when the above collections are deleted and has been removed.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

On XXXX I wrote about some inaccuracies and unexplained items on my credit report, and 43 days later, I still haven't heard back. I feel as though my complaints are being disregarded and that I am being abused. According to Section 611 ( a ), it is clearly stated that items should be immediately removed from my credit report if they are not investigated within 30 days. Because it has been more than 43 days, this should happen right now. Due to the XXXX XXXX you put me under, I demand that these accounts be erased right now, failing which I will launch a lawsuit. The latest XXXX data breach has an impact on my information, which might have ended up in the wrong hands.
Consumer complaint received 2022-05-04
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. (TX)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXXTransunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : Incorrect Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-12
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. (TX)

The creditor XXXX ( account # XXXX ) committed improper reporting of my report by charging the account off in XXXX, then started reporting it as a late payment in XXXX, to include not having permission from me to report anything about my file. 

The account XXXX XXXX XXXX ( account # XXXX ) reported that I owed a balance of which they never confirmed was mine starting in XXXX of XXXX. 

In accordance with the Fair Credit Reporting Act XXXX 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 2022-08-11
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (GA)

AS I RESEARH THE SITUATIONS REGARDING OUR RESIDENTIAL PROPERTIES WHICH ARE INVOLVED IN MORTGAGE FRAUD, I AM NOTICING NOT ONLY WITH OUR SITUATION, XXXX OTHERS AS WELL WHENEVER THERE IS A DOCUMENT OF FORECLOSURE REGARDING JP CHASE MORTGAGE REGARDING PROPERTY FORECLOSURE THE DOCUMENTS ARE SENT TO XXXX AND A IND BY THE NAMEOF XXXX XXXX WHO IS NOT FOMERLY EDUCATED SIGNED OFF AS HE IS THE VP. AND THE NOTARY IS THE SAME INDIVIDUAL ON NMEROUS DOCUMENTS. THE NOTARY IS ALSO ON XXXX XXXX DISCUSSING HER FORECLOSURES. WE BEGIN TO QUESTION : 1. WHY DOES XXXX XXXX AND XXXX IN XXXX USE THIS LOCATION? 2. THE VP IS APPROXIMATELY XXXX YRS OF AGE AND AN AA MALE. DOES HE KNOW WAT HE'S SIGNING. 
4. IS XXXX XXXX PAYING HIM IN THE FORM OF KICKBACKS 5. ALSO WHY WOULD HE SIGN FOR XXXX XXXX XXXX IS HE WAS THE ORGINAL PURCHASER OF THE HOME WHICH IS LOCATED AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE HOME WAS FORCLOSED ON BY JP CHASE AND HE REPURCHASED ILLEDGALLY VIA XXXX XXXX. THIS BASICALLY PROVED XXXX XXXX XXXX WHO STOLE OUR HOME AND THE TRUSTEE COMPLETED AN ILLEGAL SALE ND KNEW OF THE FRAUD, XXXX XXXX PAID THEM TO GET IT BACK. WE WERE TAKEN! 

THE HOME IS IN XXXX. THERE ARE INDIVIDUALS IN THE XXXX AREAR WITH THE SAME STATUS WHO COULD HAVE SIGNED OFF. NOTICE XXXX NOTARY HAS A LIFETIME PRIVILEDGE, SO THIS BASICALLY MEANS THE DATES ARE FRAUDULENT.
Consumer complaint received 2022-04-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-04-26
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

A hard inquiry appeared on my credit report from XXXX XXXX, XXXX XX/XX/XXXX. I contacted the creditor that same time frame and advised them I had been compromised & this account inquiry was fraudulent and it needed to be removed from my report. They conducted their research & it was removed from XXXX reports but still remains on Equifax. I've since put a 7 freeze on for all the credit bureaus. I contacted XXXX, XXXX XXXX again in XXXX, they advised me they had sent another request to have this removed from my report & I received a letter the 2nd time from them stating this fact. XXXX this was still on my report I had filed an online dispute w/Equifax and reached back out to XXXX again to request this removal. There was no change. I submitted section 609 letter Equifax sent certified mail at the beginning of XXXX requesting this to be removed from my report along w/documentation from the creditor advising they had 30 days to have verified. As of XX/XX/XXXX I contacted Equifax and they have my documents on file but state the were not able to remove from my report due to the letters from XXXX were not proper form of docs they can use to remove & advised me to process form on FTC.Gov and fax a copy to them for faster removal..
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

XXXX XXXX XXXX XXXXXX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX  - The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX  The following personal information is incorrect These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2021-03-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

When covid hit in XXXX of 2020, I decided to apply for the Pandemic Forbearance Plan since my job was reducing hours. I thought this would be a great way to ensure my house stay mine while I figured out what needed to be done to get money flowing back through my bank accounts. In XXXX of 2020, I started my own company and the cash flow increased enough to where by XXXX of 2020 I contacted Mr. Cooper to figure out what needed to be done to start paying my regular monthly payment again. I was told the only option I had was to do a loan modification so I started the process. Here we are 5 months later and I am still being dragged through the hoops. They denied my first application due to incomplete packet. So I re-applied. They came back with a trial plan offer of {$4700.00} for 6 months. I denied this plan because my normal mortgage payment was {$1800.00}, there is no way I could afford {$4700.00}. So we re-applied yet again ensuring they knew that only my income was to be taken into account for this modification not my parents. At which point they came back and denied me yet a 3rd time saying I was over extended. 
It seems like this company has no intent on helping me keep my home and is only giving me the options to either pay the lump sum to reinstate or sell my home. I am bending over backwards trying to provide any information I can to keep my home and work out a deal and I am receiving no sympathy or even a sense of urgency from Mr Cooper in wanting to help me keep my home. They seem to not care at all about my well-being and honestly could careless if I lose my home. It is super sad that a company like this is completely ok with screwing people over during a global pandemic. I have done everything just trying to get back to paying my mortgage regularly and they have made that process beyond excruciating and very draining. This is not how loyal customers should be treated. I am fighting to not loose my home and I just wish they would do the same in aiding me.
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX sold my account back to the Department of Education in 2019 and failed to remove their accounts from my credit reports. They are still reporting delinquency on my credit reports when they no longer own the accounts. My credit reports show the same accounts reporting twice for two different loan servicers, which increased my DTI and affected me when purchasing my home. This has been an ongoing issue for years, and when I contact XXXX XXXX, they transfer me from department to department or tell me to write a letter that they never respond to.
Consumer complaint received 2020-07-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC. (MD)

I have exhausted all options on trying to reach someone regarding an extremely heart breaking closure of both my checking ( ending in XXXX ) and savings account ( ending in XXXX ) on XX/XX/XXXX XXXX.I am a single mother in the middle of the pandemic only receiving social security and child support as consistent deposits. I have been a loyal Ally customer for years and not sure why I have been blindsided with this decision. I haven't violated any policies as I was told when speaking to several representatives, however both my checking and savings are closed as well as me being told I can't apply for another account with Ally because they severed their banking relationship with me. 

I don't work, have no car and 2 young children. I have been saving that money for a while to get us a home. my CD account with Ally seems to still be open so I am confused as how it's okay to continue to keep my CD in place but sever the relationship with me regarding my checking and savings account. Being on XXXX, all of my bills are paid directly through this account. 

The only notice I was given was an email minutes before it was already closed anyway instead of being able to communicate and figure out if there was a real reason why I am not able to no longer bank with Ally. I do not own any businesses nor do I make any business transactions other than actually buying from and purchasing items as any normal mom would. 

I am not able to access my money for weeks including using the ATM as I was told an entire check for the amount that was left which is totaling more than {$11000.00} was already sent out originally on XX/XX/2020 ( but wasn't actually reported to have been mailed until XX/XX/2020 ) As it was also the Independence Day holiday weekend, I was not be able to cash or use the money from my account while being in a pandemic with my children. I have been saving for so long to get us a house someday. 

I have contacted several representatives from Ally bank who have tired to investigate an actual reason for my account closures and they, as well as supervisors, have stated there is actually no real reason given and no violations I have made. I decided to apply again to open up a checking and savings account with Ally on XX/XX/2020 and was approved for both! Immediately I was told the next day, XX/XX/2020 when inquiring about when my new debit card would arrive, that I am not allowed to be issued a card and that this NEW savings and checking account may be closed as well! This has been a nightmare and I need help for what has happened to me.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, I have been trying to contact all three credit bureaus to get the XXXX and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2022-05-04
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (GA)

I have made a half dozen attempts to have this taken off of my credit as it shows my account is open which it has been closed paid in full and duly noted on 3 to 4 occasions by JP chase bank with the profound and profuse apologies Ive even gotten correspondence in the mail email and the dealership in which I determine vehicle and purchase my new vehicle the controller has the information as well as the finance department and the general manager. I am a single mother of XXXX  who was left with two foreclosures from a ex-husband who left my children and I XXXX  and no choice but to relocate to another state and start over. With seven years of that on your credit and having to start over as a single mother raising XXXX kids you can imagine what this is done to me reliability to get credit to even have a credit card. Ive been more than nice and patient with every phone call Ive made and every person expecting to but every six months this happens again and its destructive and destroying my life. I want every one of the three credit bureaus to receive a letter of apology and correction and whatever they can do to conserve compensate me for the absolute nightmare than dealing with for 34 years of not being able to get a credit card of not being able to secure a financial home for my son to go to college not be able to have my name on my mortgage because my credit wasnt good enough. Its quite humiliating. Please any and everything you could do to advise me as to what my rights are arabesque about selling and settling this from my best interest and to be sure this never happens again to myself or someone else would be appreciated. Thank you so much in advance. Single frustrated Mom
Consumer complaint received 2022-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (HI)

When exercising my rights, Amex sent my account to collections. The account has been closed and not in collections since XX/XX/2022. It was only when I sent them my remittance did I receive a letter informing of this transfer. AMEX is in violation of their own agreement when the terms of our contract include arbitration. Before any account closure or transfer, arbitration should have been started as was agreed upon when the account was opened AMEX. Additionally, AMEX is in complete and utter violation of 15 usc 1602 ( p ) which mentions use of the credit card in which the owner receives no benefit. I, as a federally protected consumer, am aware that this was to be an open end credit plan in which I was to be responsible for a finance charge computed from time to time. These laws were put in place to protect us from companies such as yours. There is a billing error on this account and pursuant to 15 U.S.C. 1666 ( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. I would like it investigated. Any further adverse action would be unacceptable and remedy will be pursued.
Consumer complaint received 2022-04-26
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: Exeter Finance, LLC. (CA)

PLEASE REMOVE ALL FRAUDULENT ACCOUNTS AS I HAVE NO KNOWLEDGE OF ANY OF THESE ACCOUNTS DUE TO THE XXXX DATA BREACH. ALL OF IT IS BEING INVESTIGATED BY THE FTC. ACCORDING TO FCRA XXXX THIS INFORMATION MUST BE BLOCKED IMMEDIATELY UNTIL INVESTIGATION IS OVER. 



XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ) - {$2200.00} NO KNOWLEDGE OF THIS ACCOUNT EXETER FINANCE LLC XXXX OPEN ( XX/XX/XXXX ) - {$21000.00} NO KNOWLEDGE OF THIS ACCOUNT