davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-28
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. (NY)

Problem having with XXXX, XXXX and TransUnion they are reporting these Two Fraudulent accounts on my credit report listed below : XXXX  XXXX XXXX Account : XXXX and XXXX XXXX XXXX XXXXXXXX Account : XXXX Also Name Reporting on my credit report is also wrong My legal Name is XXXX XXXX I do not want any other names reporting on my credit report
Consumer complaint received 2020-04-17
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. (VA)

Experian " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. '' - Experian states that dispute has been verified as accurate but will not update the disputed info but instead updated unrelated info. I was not able to get a free credit score. Experian removed two disputed account where other credit reporting companies didn't have. My car loan inquiry is a hard inquiry where it impacts my credit score in a negative way. Because of their mistake, I have bank have to conduct another hard inquiry and wait 30 days due to their mistake. 
Experian is just trying to get you to pay them for their service. More mistake they make more you have to visit their web site and get lured into paying for their useless services. 
Experian should be penalized for their mistake and pay penalty to the customers.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NJ)

Comenity Bank has been undergoing a scheduled maintenance for a few days and customers can not access their accounts to make payments. There is not an option to speak with a representative to pay over the phone. I do not want to incur a late fee because of this.
Consumer complaint received 2022-02-15
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credence Resource Management, LLC (CA)

The debt collection company Credence disclosed account information with my XXXX  who also has the same name they have been XXXX him and calling him regarding a debt that is not owed by him but myself trying to get him to pay he is a XXXX who does not speak XXXX so when they called he thought the debt collection was his when Im fact its was not. They tried to settle with him and disclosed the amounts. When I called credence to verify the debt they agreed with me that they broke the law about discussing the private account information with someone else and they did not properly verify the identity of the person they talked to. I asked why they charged me the amount that they did and they said for contract cancellations of XXXX XXXX XXXX but I am a employee and have no contract with them.
Consumer complaint received 2022-02-15
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-02-15
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX XXXX and XXXX That was after attempting to contact Transunion more than XXXX times. transunion is an XXXX  company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE
Consumer complaint received 2020-10-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Skagit Bonded Collectors, LLC (WA)

My paychecks started getting garnished from a collection agency for a debt I never knew about, the apparent debt is 12 years old, the agency claims they contacted me once 10 years ago, and never again for the last 10 years. Ive never in the last 10 years received any statement, bill, notification, phone call, or any attempt to contact me regarding this alleged debt.
Consumer complaint received 2022-04-11
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. (WI)

I, XXXX XXXX, did not authorize nor benefit from any of the inquiries listed below that Experian decided to furnish. Pursuant to 15 U.S. Code 1681c-2, Experian needs to delete these fraudulent and harmful claims. Failure to do so will result in further legal action. If an Experian senior XXXX will certify under the penalty of perjury that I received goods or services as a result of any transaction, this need not apply to that particular inquiry. The required identity theft report is in the attachments along with the required identification. 
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 2020-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This complaint is another manifestation of complaints made already XXXX, XXXX, XXXX. 

My account was overdrawn by Bank of America credit card department and they said they would refund the {$940.00} to my checking account. My account balance was negative $ XXXX. 

Today ( XX/XX/2020 ) I deposited a cheque I received from XXXX for {$3500.00}. 
Immediately I got a call from Bank of America saying they are closing my account for business reasons. 

They were asking about another number I have XXXX XXXX XXXX which is a virtual number and I use it only while traveling outside of the country to receive text messages / calls if needed. 

Their system seems to recognize that as the only number to call. 

My primary mobile number is XXXX XXXX XXXX. I tried enabling fraud alerts on that number as I noticed that it is disabled. The website would not allow me to modify the number. 

Since they are closing the account they say the money I deposited will not be available for 7 to 10 days. This is completely unfair. 

Moreover, I have made numerous cashiers cheques using that account. I am attaching the details. Bank of America must return any money that was not en-cashed by the cashiers cheque holders back to me.
Consumer complaint received 2022-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (AL)

I am aware the definition of a Charge Off, pursuant to 7 CFR 1956.54, is The writing off of a debt and termination of collection activity without release of personal liability.

Im also aware that once a debt is cancelled, it now becomes gross income.

Pursuant 26 U.S. Code 61 ( a ) ( 11 ), Gross income includes income from discharge of indebtedness.
Was a 1099-C filed on this account? If so, I never received one. 

I am aware that a 1099-C must be mailed to consumers by XX/XX/XXXX the following calendar year in which the identifiable event occurs. If your company has mailed me a 1099-C, please provide documentary evidence, such as a tracking number, that proves I in fact received and was aware of a 1099-C.

Knowingly furnishing this false and misleading charge off to my consumer report is a violation of 15 U.S. Code 1681s-2.

If NAVY FEDERAL CREDIT UNION has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain.

I am aware and I am invoking my right as the consumer to demand the money audit trial in accordance with 12 U.S. Code 5562 ( c ) ( 10 ). I would need this product of document material as documentary evidence in order to properly address this subject matter and without this documentary evidence there can be no validation of such debt.
Furthermore, in order to validate the debt, please provide verification through audit certification of debt entry in accordance with GAAP, IRS, in accordance with Basel 3, and UNCITRAL conversions.

If any of the above can not be provided, this account must be removed from my consumer report immediately to prevent further harm to me and my financial reputation.

Cease and Desist all illegal activities Deletion from credit reporting agencies
Consumer complaint received 2022-02-15
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. (TX)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-03-04
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Freedom Mortgage Company (CA)

I was called around XXXX this morning by Freedom Mortgage. They said my mortgage is overdue and need to pay immediately. I set my mortgage date for the 4th every month and today is the 4th. My mortgage is not late. Then they said its does not become overdue until the 16th of the month. 

This company is ruthless! 

I got back from work at XXXX in the morning. 
I dont need a company to wake me up and disturb my precious sleep which I need fkr my health, especially during a PANDEMIC! 

It took me 9 months to refinance my veteran loan ( I am a XXXX veteran ). I made dozens of calls to them to move the loan through. To no avail. Yet, now, they have the nerve to wake me up from precious sleep to tell me what I already know. 

So I paid. Confirmation # XXXX This company emotionally disturbs me.
Consumer complaint received 2023-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (TX)

Credit Karma Money has been holding my funds illegally with no reasoning and no communication with me in regards to withdrawing funds for months now. I finally received an email from them recently stating that they will return my funds via ACH transfer or by mail to the address on file. I then tried to link my bank account for the ACH transfer and they wouldn't let me. Contacted support again and they once again stated they can't give me any information on anything. So this was over two weeks ago and I still haven't received the check and still no access to link my bank account for transfers.
Consumer complaint received 2021-04-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

My card was used multiple times on XXXX I got a email saying my card had been locked so I called and confirmed them transactions were not me why lock my card if it was me thats how they kno my card was being used multi times for XXXX
Consumer complaint received 2022-06-28
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. (NY)

Problem having with Experian, XXXX and XXXX they are reporting these Two Fraudulent accounts on my credit report listed below : XXXX  XXXX XXXX Account : XXXX and XXXX XXXX XXXX XXXX  Account : XXXX Also Name Reporting on my credit report is also wrong My legal Name is XXXX XXXX I do not want any other names reporting on my credit report
Consumer complaint received 2022-12-12
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: WELLS FARGO & COMPANY (GA)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2021-09-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

We received an email from a vendor instructing us to wire the funds to their bank. Once we followed the wiring instruction and wired the funds from our bank, Chase, we learned immediately that the wiring instructions were incorrect. We contacted our bank Chase and the receiving bank, XXXX XXXX  immediately they would not do anything to assist us.

Chase has indicated that we must first provide a 'Hold Harmless '' document releasing XXXX XXXX  from all liability prior to Chase assisting us with this wire fraud. 

We when contacted XXXX XXXX  immediately after the wire was sent, they would not put a hold on the account allowing the FBI to come in and do their investigation. 

Thus the fund is lost and the account has been closed.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: WELLS FARGO & COMPANY (CO)

Wells Fargo interfered with my ability to apply for the SBA PPP loan in a timely manner which impeded our ability to access funds.We were not granted access to the loan application until Wednesday, XX/XX/2020 which was too late. On XX/XX/2020 I received a voicemail instructing me to complete an interest survey online, which I did. Then, they reassured me that I was placed in a queue via an auto reply email. I continued receiving auto replies stating that they would email me when I could apply for the loan. On XX/XX/2020, I was granted access to apply for the loan which I did. Since then Ive received auto replies stating that my application will be processed if Congress approves more funds, but telling me the money has run out. By the time I was allowed to apply, the money had already run out. Today, XX/XX/2020, Congress has approved more funds. I attempted to call my local banker, whom Ive been exchanging emails with throughout the entirety of this ordeal, and the phone number provided as a help line through Wells Fargo for PPP loans. I was on hold for 4 hours today and no one ever answered. Ive still not received any personal follow up regarding my loan application. I only receive auto-replies. There is no way to get any confirmation of anything. I recently read an article about unethical business practices in regards to how Wells Fargo has been handling the processing of PPP loans. I feel that I have been disregarded because my loan amount may be considered small compared to others ( I understand the bank benefits more from shuffling larger loans through ) and we are a woman-owned business.
Consumer complaint received 2024-10-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: M&T BANK CORPORATION (GA)

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 Dear CFPB Team, I am writing to formally dispute the actions of M & T Bank regarding my mortgage account and to seek your assistance in resolving a distressing situation that has escalated due to their inadequate communication and refusal to address my requests. 

I have lived in my home since XXXX and have consistently made my mortgage payments until I suffered a car accident in XX/XX/XXXX, which resulted in the loss of my job and, subsequently, my ability to keep up with my mortgage payments. As my account became three months overdue, I proactively reached out to M & T Bank to discuss my options. However, I was informed that due to an old password set in XXXX, they would not speak with me or provide assistance. 

Despite my numerous letters requesting the removal of this password, M & T Bank has consistently ignored my requests. It is my understanding that their policy regarding password removal changed in XXXX, yet when I contacted them in XXXX, I was still met with refusal to engage in any discussion about my account. 

Furthermore, I sent two payments via mail during this period, both of which were returned with the demand for three months ' payment instead. Upon calling to make this payment, I was informed that my account is now in foreclosure status, and they are demanding additional attorney fees and other costs. It is disheartening to note that my account would not have reached this point if M & T Bank had honored my request to remove the password and maintained proper communication. 

I am requesting that M & T Bank adhere to their updated password policy and remove the foreclosure status from my account. I would like to make the three-month payment necessary to resolve this issue and prevent the loss of my home, where I live with my XXXX small children. 

Thank you for your attention to this matter. I hope for a swift resolution so that I can continue to provide a stable home for my family. Please feel free to contact me if you require any further information. 

Sincerely, XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-09-21
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. (IL)

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 COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item 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 which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; US BKPT CT IL XXXX Bankruptcy XXXX XXXX Reference # : XXXX ; US BKPT CT IL XXXX Bankruptcy XXXX XXXX Reference # : XXXX ; US DIST CT Bankruptcy XXXX XXXX XXXX Reference # : XXXX ; US DIST CT Bankruptcy : Dismissed XXXX Reference # : XXXX ; U.S. Bankruptcy Court XXXX XXXX XXXX Reference # XXXX XXXX ; U.S. Bankruptcy Court XXXX XXXX XXXX Reference # XXXX 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 an alleged identity theft, not later than 4 business days after the date of receipt.