davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-05
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$3900.00}, {$2200.00}, {$1200.00}, {$700.00}, {$1100.00}, {$2800.00}, {$930.00}, {$18000.00}, {$4300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1.  XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

3. XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

4. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

5. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$700.00} -This is not my account. 

6. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

7. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

8. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$930.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 

10. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account.
Consumer complaint received 2020-07-05
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$3900.00}, {$2200.00}, {$1200.00}, {$700.00}, {$1100.00}, {$2800.00}, {$930.00}, {$18000.00}, {$4300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1.  XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

3. XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

4. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

5. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$700.00} -This is not my account. 

6. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

7. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

8. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$930.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 

10. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account.
Consumer complaint received 2021-11-01
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters with regards to my request of removing the items in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : XXXX XXXX XXXX  XXXX XXXX Balance {$200.00}
Consumer complaint received 2021-11-01
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: TMX Finance LLC (GA)

My name is XXXX XXXX. When I was married and lived in XXXX my then wife took out a title loan  without my permission or signature. We have since divorced and the vehicle was awarded to me in the divorce. The loan was not paid off and I still have the truck. I have been trying to get Titlemax to give me the title out right or let me offer them a reasonable amount to secure the title. The loan was for {$5000.00} yet they charged {$20000.00} in interest. We paid about {$3000.00} towards the loan before the divorce. I just found out that titleMax was in a class action lawsuit in XXXX that ruled in the favor of the consumers yet I can't seem to get any information from TitleMax to assist me in either the class action lawsuit or getting my title without paying them {$20000.00} for a XXXX XXXX XXXX. Depending on who I speak to when I call I am not given any information because I am not listed on the loan ; they say they can't talk to me. They can clearer see that I am a co-owner on the title but they still won't help me. Can you please help me get some answers.
Consumer complaint received 2021-11-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Wachovia Bank account XXXX This is an attempt to collect on a time-barred debt. This debt has passed the statute of limitations in Texas and can not be pursued. They are trying to " resurrect '' it by sending this debt collection letter ( dated XXXX XXXX, XXXX ). This debt is from XXXX. After receiving the letter, I was shocked to see I owed money. I know I am up to date with all my loans and credit cards. So I called. Once they verified who I was, that's when they told me it was a debt long past the statute of limitations. I am concerned that by using these deviant tactics, they are trying to threaten me with ruining my credit by re-instating a debt that can no longer be pursued.
Consumer complaint received 2021-11-01
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. (MO)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-01-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I am currently travelling overseas and Chase has locked online access to my bank accounts. I tried to call Chase to resolve the issue, but they refused to help me and said I need to come into a Chase branch to unlock the accounts. I can not come into a Chase branch, though, because I am out of the country and I will be overseas for at least two months. So I now have no access to my money while overseas and Chase refuses to help!

One representative at Chase said she would try to call me right back, but she did not call and when I tried to call Chase back, I received a recorded message saying they are closed for the day!
Consumer complaint received 2021-03-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (TX)

My mortgage insurance was paid out twice from my escrow account. Once to the wrong company ( XXXX XXXX on XX/XX/XXXX ) and once to the correct insurance company ( XXXX on XX/XX/XXXX ), both in the amount of {$3000.00}. I have been told by many representatives that thus money was refunded to The Money Source on XX/XX/XXXX but it is not reflected in my escrow account. 

I have called dozens of times since the end of XXXX to get this straight. I have gone through 1 escrow analysis and a dispute and it has still not been fixed. They have stated that the negative balance in my escrow account is correct but can not and will not provide documentation stating that money was ever credited back to me. 

Now my mortgage is more than I am able to pay and after XXXX, I will not be able to make my mortgage payment. I am scared to lose my house over this. They are holding {$3000.00} of my money hostage.
Consumer complaint received 2021-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (NY)

The company has entered a collection from a landlord during the pandemic. The XXXX form was given to the company regarding the address. There is a debit listed now which is causing a housing issue for future renting. The amount is not correct, the unit could not be used during the time and there were issues with the water which remained unresolved. The unit was unlivable during the pandemic. There was harassment and the landlord entered the unit continuously and there was no way to stay in the unit during the pandemic regardless of there being a rent moratorium. There were issues with the electricity and the landlord was unusually aggressive and argumentative about these issues. There was no stay for the time period which the collection is being made, and there was no drinking water from the faucets, the toilet didn't flush, the lights turned off on their own, there was an electric panel where the lights had been shut off then the landlord or maintenance would enter and unplug things inside the unit. The collection is an illegal collection and no payment arrangement was even offered. The washer dryer in the laundry room was unplugged when clothes were put in it to wash and use was not allowed by the landlord. There were things broken inside the unit and constant harassment.
Consumer complaint received 2020-07-05
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (GA)

My student Loans were in Forbearance until XX/XX/2016. In XX/XX/2016 my loans went into consolidation. On my current credit report Nelnet is reporting late payments for time periods that my student loans were in deferment or forbearance. Also, Nelnet is showing my loans as late when the loans were not late, Nelnet was completing the process of paperwork internally. I understand that errors due occur and that we all make mistakes. Thats is why I am giving Nelnet 30 days to correct my file appropriately. If this is not updated correctly I wlll file a lawsuit against Nelnet and file a complaint with the department of education. These are not empty threats because you all did choose to report each loan dismemberment separately I have over 16 late payments for loans that were not delinquent.
Consumer complaint received 2021-11-01
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: SYNCHRONY FINANCIAL (TX)

on XX/XX/2021 some falsely tried to acquire credit under my name through synchrony bank/ amazon I notified the credit bureau and i just got off the phone with a synchrony bank fraud agent name XXXX who was very incompetent and push me off to someone else who did not get on the phone I'm still waiting as I write this complaint it been 20 min now. this inquiry effects my credit and my future and I wish they take the frudlent situation more seriously. this is very disappointing that i have to keep calling a filing complaints monthly.
Consumer complaint received 2021-11-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (GA)

My Attorney sent Mr. XXXX, a Demand letter to negotiate a return / refund of my {$170000.00} that I wired to Me, XXXX XXXX XXXX, on XX/XX/2021 from the XXXX XXXX branch located at XXXX. XXXX in XXXX, IL. 

The funds described above were wired to XXXX for the sole purpose of obtaining an engagement contract with his artist, XXXX XXXX. The contract that is the subject of this letter, has not materialized as of the date of the Demand letter and XXXX has my {$170000.00} In fact, shortly after wiring XXXX  the money, I received a phone call from XXXX XXXX of XXXX XXXX XXXX that he too; had wired XXXX a {$170000.00}. However, in Mr. XXXX case, XXXX had already executed a contract with XXXX on XX/XX/2021 for your artist, XXXX XXXX which was 10 days prior to the XX/XX/2021 date XXXX tried to do with me. 

The contract XXXX executed with XXXX XXXX is for the same time and period that XXXX had negotiated for with me for which I 100 % believed my {$170000.00} was securing but later found out something different. 

Again, as of todays date, Mr. XXXX, have failed to deliver an executed contract to Me " XXXX XXXX '' for his artist, XXXX XXXX, and XXXX have failed to return my hard earned {$170000.00}. 

So my attorney sent Mr. XXXX a demand letter as formal and final DEMAND for the return/refund of my {$170000.00}. the letter was sent out on XX/XX/202, we gave Mr. XXXX 10 days from the date of the Demand letter that was sent to contact my Attorney 's office at the contact information listed in Demand letter or he could have contacted Me " XXXX XXXX '' directly to arrange payment.we also stated in the demand letter that if we dont hear from him within 10 days of that letter. We are going to pursue any and all legal actions Mr. XXXX that are available to us for a lawsuit. XXXX XXXX has already been reported to my local law enforcement, I filled a report, wrote a statement, filled a complaint with FTC, filled a complaint with ic3.gov, filled a complaint with US Attorney and filled a complaint with FBI Bureau.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I sent a letter off 60 days ago to all 3 credit agencies and havent gotten a response back I also sent out a 30 day comply and demand letter with no response..now by FCRA laws im supposed to recieved a reponse in 30 days and if not its supposed to be deleted off my credit report. I would like this matter taken care of so i can move forward with my endeavors.
Consumer complaint received 2021-11-01
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: TMX Finance LLC (GA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 


PLEASE REMOVE FRADULENT ACCOUNTS & INQUIRES BELOW!!! 

1. XXXX Account Number : XXXX Please remove it from my credit report. 

2. XXXX Account Number : XXXX Please remove it from my credit report. 

3. XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following account is not mine Account Number : XXXX Please remove it from my credit report. 

5. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX 6. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 7. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 8. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 9. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX 12. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX 13. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 14. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 15. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 16. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 17. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 18. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX Enclosed are the following : A copy of my driver liscense. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Consumer complaint received 2021-03-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

I presently live and own a home in XXXX Florida and Wells Fargo ( WF ) holds the mortgage on this home. In XX/XX/2020, in preparation for the sale of my prior home which was located in XXXX Florida, I engaged WF staff to assist me in applying proceeds from the sale to recast my present loan. WF representatives did not correctly post my principal payment and though I have followed the instructions of the WF staff, explicitly, I find myself, now, in a position that I have been erroneously charged late fees, erroneously reported to credit bureaus for missed or late payment and still have not received written confirmation of the loan recast. I have neither missed a mortgage payment nor been late in making a payment. I have been diligent in documenting my communication with WF staff and following the directions of WF staff and have found that I must consistently re-initiate action and follow through to confirm actions are being taken by WF to resolve this matter.
Consumer complaint received 2021-09-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (CA)

This company keeps emailing me notice about owing money to them. They use my email address but the person they are trying to contact is not me. I tried calling them but they would not speak to me about the issue because I am not the party that they are addressing the matter to. I have repeatlly sent back their email to let them know to stop and that my email is not the correct one. Have now told them that I intend to report them. Now I am. This has been going on for over a year and I am sick of it. 

Please do something to stop them from contacting me.
Consumer complaint received 2021-11-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CO)

We qualified for a hardship program due to COVID. We are now ready to pay and have been approved for a reset and restart. I applied and was approved the paperwork never came, I called and they said that I went online and updated to still in hardship, I did not. I then reapplied and was approved for the reset and restart and again no paperwork came. I called on XX/XX/XXXX and the rep said that I again went online and updated my status to continue my forebearance. AGAIN I did no such thing, I need my paperwork so I can resume paying my mortgage. I nor my wife has done anything online, and when I ask for details they are unable to provide them. Flagstar is not being honest about their process and what the root cause of this issue is. We are not going online to do anything or modify anything, our forebearance is done on XX/XX/2021 and I have been asking for the paperwork after being approved since XX/XX/2021. This means I have been unable to resume payments, the agreement states I make reset payment upon reciept of new contract, and also that I have been charged interest while this whole thing is taking way longer that expected. I have actively tried and been approved to resolve my hardship and Flagstar is refusing to let me do it.