davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
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 am writing to request the immediate blocking and deletion of accounts and inquiries associated with my name that were fraudulently opened or incurred as a result of identity theft. My personal information was compromised in a data breach, leading to unauthorized activities on my credit report. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent accounts and inquiries blocked and removed from my credit report.

The following accounts are fraudulent and should be deleted from my file : XXXX. XXXX XXXX Account Number : XXXXXXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$00.00} XXXX. XXXX XXXX XXXX  Account XXXX : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$670.00} XXXX. XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$560.00} Additionally, the following credit inquiry was not authorized and must be removed : XXXX XXXX Inquiry Date : XX/XX/XXXX
Consumer complaint received 2022-07-12
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 Credit reporting Agnecies continued reporting the fraudulent information on my Credit Report without proper verification. On XX/XX/XXXX, I requested that the Credit reporting Agencies provide me with documments bearing my signature to prove that the disputes are mine and yet, the Credit Bureaus have failed to provide those documents. On XX/XX/XXXX, I sent another letter emphasizing the importance of the Fair Credit Reporting Act section 605b ( c ) ( 1 ) ( c ) Authority to decline and Rescind. How many letters do I have to send to the Credit Bureaus for them to pay attention to my appeals and remove the disputed items from my Credit File? It seems that the Credit Bureaus have neglected their responsibility to comply with the Federal law and became lazy to take actions and correct my Credit report. I am frustrated by the Credit Bureaus taking no action and negligent of their duties. By submitting this complaint through the CFPB, I am reminding the Credit Bureaus that they are bound to comply to the law and have the fraudulent items deleted from my Credit report immediately. I need the following items deleted from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance - Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Date opened XX/XX/XXXXXXXX XXXX
Consumer complaint received 2020-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX Accounts were included in Bankruptcy & XXXX in XX/XX/2019. I have disputed multiple times bc they keep showing balances and charge off/collection status on experian report. The disputes found in my favor and updated them all to included in bankruptcy, but I'm going in circles bc then a few days later an account will go right back to having a balance. I call and then a rep will fix it then a few days later XXXX of the accounts will go right back to having a balance again. As of yesterday all of the accounts were finally showing as included in bankruptcy and now today again XXXX of the accounts shows {$82000.00} balance again! Can you please fix these accounts so they are included in bankruptcy & block these accounts from changing back again to the way they were prior to the dispute?
Consumer complaint received 2022-11-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

XXXX Huntington Bank says they are still working on this and are not. I was told because their teller didn't look into the notes which is their job and they allowed him to cash it it is out of their hands. I was advises that I could sue Huntington for that. I can't afford lawyers fees to do that and it looks like I'm not getting the money back either.
Consumer complaint received 2020-09-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (GA)

Sent in documentation to show proof of a balance I know is owed to the original creditor XXXX XXXX. National Credit System first failed to verify the debt within 30 days from the date of the original letter was issued to the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. that was provided then National Credit System failed to verify the debt again with 15 days from the date of the original addressed to National Credit System. National Credit System keeps saying the debt has been verified ; however, after further investigation, it was determined that XXXX XXXX  is no longer managed by XXXX XXXX, they are no longer in possession of my previous apartment file, and are unable to properly determine what amount is owed due to being brought out by a brand new company and hiring a new team of property management. Due to this matter the collection company National Credit System is trying to force me to pay on a debt that is falsely owed after I sent in verified documentation and is failing to do the right thing under the Fair Credit Reporting Act.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Due to this item being on my report it is causing me to lose out on career opportunities as well as being a better credit profile. Under the 15 U.S.C 1681 section 602A. 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 an account without my written instructions. Please Update the following accts as the balance are wrong. Some of these have not been updated since XX/XX/2022. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX. These balances being incorrect is causing my debt to ratio to be off balance which is causing credit score to be lower than it should be.
Consumer complaint received 2022-07-12
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: Chime Financial Inc (TX)

I called Chime and They would only give me XXXX back and {$240.00} when I prove to them that I wanted EVERY BIT of my {$1600.00} Social Security money that Was Stolen out of my Chime account during XX/XX/2021 to XX/XX/XXXX When I got out of Jail!
Consumer complaint received 2020-10-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

After graduating I applied for tons of jobs on XXXX  and a company named XXXX XXXX reached out to be by email to see if I was still in search of a position. I was and especially with the pandemic happening in the midst of all of this I am involved in a check fraud scam of {$76000.00}. I thought I was working as a XXXX   XXXX  XXXX  for the past couple of months ; XXXX XXXX and within this last month checks started bouncing and getting returned thats when I noticed I had been scammed. After months of cashing commercial real estate payments Bank of America started withdrawing funds out of my account that I had cashed for the company and now my account has gone into the negatives and if their investigation does not conclude that I am a victim and bank leaves my account alone, I will be in credit debt at the age of XXXX. This was a huge welcome to the real world after graduating college. Bank of America has absolutely not reconciliation for things like this and just because I have saved money from my college years they didnt think to alert me that the checks were fraud and completed the withdraw before verifying if they were false checks.
Consumer complaint received 2022-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

Mr. Cooper has done numerous things with my escrow account to basically steal money out of it w/o merit then increase my shortage amount to very high amounts. I was able to resolve several of the issues after months of formal complaints and letters form legal counsel threatening of lawsuits but there is still one major issue they refuse to address and just lie about week over week and month over month. 

Mr. Cooper took out {$7700.00} from my escrow w/o checking with me on amount and paid to the county for taxes. I don't know how they came up with that number as the amount owed to the county was always {$7200.00}, which is what the county always had. Mr. Cooper came up with this figure erroneously. I immediately flagged this to them last XXXX when it happened and as you can see after 20+ attempts to be resolved they refuse to give back the money. I have been told its being worked on, its been submitted, its been this and that- all XXXX Other then feeling robbed by this evil company my mortgage payment has gone up over the past 6 months bc of their error as I have had a shortage in my escrow fund- 0 fault of mine and 100 % of this company. 

This is totally unacceptable and hoping not only to have my situation resolved by that a very thorough audit is done against this corrupt company.
Consumer complaint received 2020-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX, I received a letter from Wells Fargo in response to my complaint about their unfair practice of payment allocations of credit card 's promotional balances. 
I have two zero-interest promotional balance offers with Wells Fargo. One promotional balance transfer will expire on XX/XX/XXXX. The second zero interest promotional balance transfer will expire on XX/XX/XXXX. When I make payments, a larger percentage portion of the is applied to second promotional balance transfer balance. Making it possible for Wells Fargo to apply interest to the first promotional balance transfer that expires sooner. My payments are allocation unfairly ; 70 % to 90 % of my payment is applied to the second promotional balance and only 30 % to 10 % is applied the promotional balance that will expire sooner. I wrote a letter to Wells Fargo, a credit card billing Manager acknowledge my complaint and concerns but my payments are still being allocated unfairly.
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (OH)

I have a paid subscription with Experian who provides a Fico score XXXX which is used by most lenders. The membership includes credit monitoring. My transaction monitoring is currently disabled. This monitoring service will send out alerts when there are changes to my account balances, and debit and credit transactions. This information  will then effect my fico score. On XX/XX/XXXX Experian deleted my account with XXXX XXXX company. I had just received a credit limit increase of {$300.00} which would have made my credit limit {$1100.00}. When I contacted Experian about this account, they informed me that because I filed a dispute on XX/XX/XXXX, that XXXX instructed them to delete the account. I contacted XXXX and they told me they didn't give Experian the authorization to delete the account. It was deleted from Experian and XXXX. I think Experian is purposely trying to keep me from increasing my credit score. So these are the 2 issues I'm disputing with Experian
Consumer complaint received 2022-04-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NC)

I received a solicitation from XXXX XXXX at Rocket Mortgage to refinance my mortgage. My current rate is very competitive and I told him I was not interested. I then received a letter in the mail indicating that my mortgage loan was denied when I never applied for any loan. I called Rocket Mortgage- and spoke with XXXX who advised that they should have advised it was withdrawn not denied. I told Rocket Mortgage that I should not have received any letters as I never applied or requested a refinance review or decision. She forwarded me to a resolution advocate, XXXX XXXX, who was very kind but did not seem to know how to fix the issue. She advised that I should not be concerned because credit reporting agencies were not notified. I told her that was the least of my concerns. I was concerned because it looks like Rocket mortgage was falsifying documents indicating that I tried to apply for a loan and was denied- which is not accurate or truthful. The " denial '' letter references a loan number but there was never any such agreement between myself and rocket mortage. XXXX advised this was not a " real '' loan number but just a way to keep track of client calls. I advised her that was a poor choice of labels and that if it says it's a loan on my letter- then it is a loan. I advised that I want a corrected letter from Rocket Mortgage indicating there was no loan application or request and that I was not denied a loan - that I did not apply for a loan. 
This sounds very similar to a situation XXXX XXXX found themselves in a few years ago where they were opening accounts on the customer 's behalf after a similar phone call. XXXX XXXX was found to be in violation, held accountable, fined and resulted in lost business for XXXX XXXX. I do not think Rocket Mortgage should be allowed to continue this practice. If a customer is contacted as part of a marketing campaign, it should not be labeled a mortgage application unless they chose to apply for the mortgage.
Consumer complaint received 2022-11-19
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: CAPITAL ONE FINANCIAL CORPORATION (WI)

I have a Capital One Quicksilver credit card that was replaced due to signs of fraud. A new card number was issued and the old card number was cancelled. As any normal person would do, I assumed all transactions to this old card would be rejected and the merchant would notify me for alternate payment in this case. An old subscription later tried charging the old card number for {$840.00} on XX/XX/XXXX. Instead of rejecting the transaction as would have been appropriate, the transaction successfully cleared. When I called to question them on why this happened, Capital One told me they or XXXX ( all the same from my perspective ) supplied my new credit card information to the merchant without my permission or even notifying me. I filed a dispute, but this only triggered the merchant to submit whatever they had to say they wanted to file a transaction and did not address the root of the issue that Capital One is supplying my credit card information without my permission, which they claim is normal behavior despite the fact that it benefits only them and works to my detriment and means I have no control over who can charge old card numbers. They have reinstated the {$840.00} charge and determined it to be my responsibility. I will pay it only so that I can close the card and end further potential charges from the old card number.
Consumer complaint received 2020-09-22
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. (MA)

Good Morning! 

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Consumer complaint received 2022-03-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (NY)

I made several calls on Saturday, XX/XX/2022 to extend my CARES act forbearance to the remainder of its eligibility, however I was told multiple times that I was unable to extend until I am within 45 days of my forbearance end date. After detailing that this is a violation of the CARES, I was still denied under the guise we didnt deny you, we just have to wait until 45 days or less due to internal Loancare procedure and limitations. I believe this to be within their ability and that this either an act of malicious negligence, or legitimate violation of federal law.
Consumer complaint received 2021-06-09
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

bank America refuses to correct a online account that has my activities. From my EDD debit card .i was frauded last XXXX.I recieved a EDD card and I wanted to view my statements from XX/XX/XXXX when I recieved the card.But when I go to view my statement thenfraidstees user name is on my card account.ive spoke with supervisor from Bank of America she said she could fix it well as of XX/XX/XXXX the Fraudsters username is still in the account .Why? I dont want to be involved with the fraudsters The supervisor told me to use the fraudsters user name I refused to .and when I recieved my only card brand new it had XXXX dollars on it and deposits feom XX/XX/XXXX and a pln on it already.why? Also they mailed out 2 cards in XXXXof XXXX  to someone in my town and they refuse to tell me what adress .i filed anpolice report and told them it would help if we new the adress of the fraudsters.Bank said they could not release that info.I said it would mabey catch the fraudsters if I could give it to the police they refused..Why? The fraudsters got XXXX And IRS sent me 1099 forms saying I got that money and I did not.Why? I have disputed all transactoons and still waiting..Oh and my card has only the fraudsters deposits from XXXX of XXXX.Why? Help me please bank of America is out of control.and they should not be they have enough money to fix this problem of they want to because it is their fault not mine and the fraudsters adress needs to be told to the police so we can catch this guy.mabey thier are more than just me he frauded feauded.its lime they wont even call themselves to tell the cops were they sent the cards .its lime they dont want to catch the guy..Why
Consumer complaint received 2022-08-05
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: WELLS FARGO & COMPANY (NC)

I have asked this institution for a list of my accounts. B/c of the fraudulent acts that this bank have made to keep from the account that have my name on it. The trust, est or saving that belongs to me. My personal information has been used fraudulent therefore collecting my account summary is important. The state and federal agencies has taken steps to block the fraud. The bank have refused my attempts to stop the fraud. 


The bank has kept me for my funds. Reps in the banks has denied several in branch attempts to provide my information. They are trying to help destroy my credit to hind the fraudulent opening accounts in my name. Protecting their employees is better than standing in their truth The account was paid, but the amounts never was credited to the balance.
Consumer complaint received 2021-10-29
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. (IN)

XXXX, XXXX and Transunion are violating my rights and are violating 15 usc 1681a # 2 a 1. Congress says your consumer report does not include transactions and experiences between the consumer and the person making the report. The line of credit and what I use and how I use it is considered my transactions. My payment history is my transaction and my experience is the line of credit. So if the consumer report does not include the transaction or the experiences where does a late payment or high utilization come from. These account need to be deleted immediately ... Accounts : XXXX XXXX XXXX  XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC. (TX)

My account was assessed lender imposed homeowners ' insurance of {$2600.00} via escrow ( attachment 01 ) in XXXX due to a supposed lapse of coverage. I contacted customer service and was informed I needed to provide a declaration page for the period where the coverage was alleged to have lapsed. I provided information showing that while I did switch insurance providers, there was no lapse of coverage ( attachments 02 and 03 ). 

In XXXX I examined my statement and determined no action had been taken and contacted customer service. After speaking with the insurance group, it was indicated my new policy went into effect on XX/XX/2020 and there was an apparent lapse in coverage of approximately 26 days. My previous insurer provided the insurance agent a declaration page showing coverage during the dates in question, and the agent indicated that information was being sent to the escrow department for correction ( attachment 04l ). 

In reviewing my most recent statements, no adjustments have been made to my account ( see attachment 05 ). I contacted customer service again and was informed there was no record of escrow having received the information.