davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I received a copy of my credit report and found the following items to be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.
Consumer complaint received 2022-10-18
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. (GA)

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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
Consumer complaint received 2021-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (TX)

on XXXX my account had a balance of XXXX - which i made a deposit of XXXX on XXXX and after fees/ charges ( XXXX, XXXX, XXXX ) were taken out .. i was left with XXXX as of XXXX posting date - as of XXXX i had a balance of XXXX and from my understanding that is my available " posted balance ''. so i made other payments and so forth - and on XXXX i was given a " temporary credit '' of XXXX ( which was already paid for by me from my deposit made on XXXX ) so i am not sure why this " temp credit " was given since i paid /took care of it on XXXX w. my deposit ). thats my first concern - i did not ask for temp credit, why would i if it was taken care of by my deposit. - fast forward to XXXX i turned off my debit card and canceled my ahc payments from my providers i use. and on XXXX forward i got a total of XXXX nsf fees on my account. brining my total negative on my account to XXXX ... on XXXX i called and spoke with XXXX in the overdraft team. she transferred me to XXXX with escalation team and she transferred me to XXXX w. advocacy group. they opened up a case to see if all the overdraft charges could be removed - because my card was turned off. and my accounts for ahc were turned off. - no one could assit. well around XXXX XXXX recieve an email stating they are going to reverse the credit that was given to me on XXXX and it will cause my account to be more negative. XXXX of all i did not ask for a credit. XXXX of all i am asking for help to bring my account in good standing and no one seems they can help. i have been with them for XXXX + years and still no help - i need to show how wells fargo really works ... .. there posting dates for transactions take forever and now i am paying the consequences..
Consumer complaint received 2021-04-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had a fraudulent inquiry made on my account and transunion informed my via the specialist department, that I can not request a removal. This is a complete violation of my rights as a consumer and also a double standard. The transunion states if you find an inquiry that is inaccurate you can dispute or or if it is the result of fraud. However, I am NOT even able to access my OWN credit report via the transunion site. For the past 7 months i have had to PAY another company to get my credit report online becuase i cant even get my credit report from transunion via annual credit report or transunions own website. 

I informed Transunion of this issue and nothing has been done. 

I disputed the following inquiries that were not authorized by me : XXXX XXXX. ( I didnt authorize this ) LENDING Club - ( website says soft inquiry only ) I have requested online access to my credit report and have not been successful on Transunions website.
Consumer complaint received 2019-05-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

Upon receiving my Year End Interest Statement, I realized that the address the mortgage company had on file as my primary home address was in a different state than where I live. I have emailed the company and made numerous calls in an effort to resolve this but I am not getting anywhere with them. I have explained that I live in Texas which is where my loan originated from, I have never lived in Tennessee which is the address that now shows up on my statements. This caused me to to have to get an extension to file my Income Tax and now I'm in danger of losing my XXXX health insurance as it is a requirement that i file my taxes. I've been battling XXXX XXXX and can not afford to be without health insurance. I tried explaining this to a supervisor after being transferred several times and she finally agreed to make the correction and fax me the form but that was over a week ago and I never received it. Also, I changed my homeowners insurance to a less expensive one and they claim that they never received payment. One week later I verified that payment was received but they are still charging me the higher premium that they slapped on my loan which increased my payment by more than {$200.00} per month. I don't understand how a mortgage company can change the address on my file without my authorization and increase my payment PLEASE HELP ME!!!
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. ()

XXXX XXXX, XXXX, serviced by XXXX XXXX XXXX are representing fraudulent accounts on my credit report that are hurting my credit history and my credit score. I've applied to multiple creditors and I have been denied because of XXXX XXXX, XXXX serviced by XXXX XXXX XXXX. I addressed these concerns with XXXX XXXX, XXXX, serviced by XXXX XXXX XXXX and my requests for correction have been ignored.
Consumer complaint received 2022-04-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation (GA)

The purpose of this email is to voice my concerns about an incident that just occurred over the phone when I called the XXXX, XXXX branch to request a permanent due date change for my loan. I am XXXX XXXX XXXX, a fairly new customer that recently received a loan from the XXXX branch. My experience up until this point was nothing short of amazing. The banker who processed my loan was wonderful, attentive, and a pleasure to work with. He was the reason why I decided to move forward with agreeing to the loan. Also, my experience with him impacted my decision not to refinance for a lower interest rate when I received multiple officers in the mail from your competitors. 

Unfortunately, the phone call that I just completed with XXXX XXXX has negatively impacted my view of your Financial Institution. When I explained to XXXX that I called to request a permanent due date change because of the adjustments that I implemented with my new budgeting system, she responded to my request as if my loan was delinquent and she was a collections representative. When she repeatedly asked me, " What's going on now that you need the change? '' I interjected because I had already articulated clearly the reason for the request. When I interjected while she was speaking, she told me that I was being " derogatory towards her and condescending. '' I was flabbergasted at XXXX 's response. How is it derogatory for a customer to interject to ensure that the representative understands your request especially when their response doesn't align with what you are trying to convey. XXXX was rude and did not provide me with a superior customer service experience. 

I was treated like a delinquent customer with a past due bill. This is unacceptable especially when all I am doing is adhering to a budgeting system that works for me which is what most responsible consumers do to stay on track financially. I am not sure why XXXX reacted in the manner in which she did, however, this situation needs to be addressed by your management team. Can you please review the call/interaction and perhaps re-train her on the necessary soft skills needed to provide customers with the appropriate care and respect? 

It is my right as a consumer to change my due date by law and it is unacceptable for a banking representative to create verbal barriers that imped upon your ability to do so. 

Thank you for your attention to this matter. 


XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX Acct # XXXX
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (TX)

XXXX XXXX, XXXX, serviced by XXXX XXXX XXXX are representing fraudulent accounts on my credit report that are hurting my credit history and my credit score. I've applied to multiple creditors and I have been denied because of XXXX XXXX XXXX serviced by XXXX XXXX XXXX. I addressed these concerns with XXXX XXXX XXXX, serviced by XXXX XXXX XXXX and my requests for correction have been ignored.
Consumer complaint received 2023-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL XXXX STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (IL)

On XXXX XXXX, I spoke with someone from ShellPoint Mortgage and informed them that I was still impacted Covid -19 but I was working on borrowing money to make a offer to settle the account that I have had for 13 years and already paid {$150000.00} on.this loan and I still owe what I originated. 

A young lady was suppose to had called me back on Thursday to find some options if I was able to borrow loan to pay a reduce payment. 

Instead she never called and said their was no more help under the Covid 19 concerns.
Consumer complaint received 2022-11-06
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. (MA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your company notice pursuant 15 USC 1602 ( k ) that your company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your company did even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15 USC 1602 ( K ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such noticed may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since i was not aware of the transaction therefore made uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. 

I hereby request you do the below mentioned things, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DELETE. THESE LATE PAYMENTS IN PURSUANT TO 15USC 1681a ( d ) ( 2 ) ( i ) From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), the term " unauthorized use '' means a use of a credit by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

I hereby request you to do the below -mentioned things, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX DELETE THESE ACCOUNT OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( 4 ) If you accept my request, i will not escalate this matter to Federal Court. in case, you dont accept the above request, a legal action shall be taken against your your Company for compensatory damages.

Thank you for your attention to this matter. 

Sincerely XXXX XXXX XXXX Right Reserved Without Prejudice.
Consumer complaint received 2019-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

I received a voicemail on XX/XX/XXXX from a person named XXXX XXXX stating that there was a complaint notice that needs my immediate attention. I am to call XXXX and if there are any further attempts, they will contact my HR department at my employer. 

Upon receiving this message I called the number provided since I know I do not owe anyone past due debts. This was from an overdrawn checking account from XX/XX/XXXX which has been paid since then. XXXX is the representative that answered the phone and handled my phone call. The first time she hung up on me. Upon calling back she told me that there would be litigation and they are going to come after me. I informed her that this has been paid since XX/XX/XXXX and asked for a validation of the debt. She said they wouldn't provide it until court proceedings and I am not entitled to it until then. She then told me it was sent to their legal team after I repeatedly told her it has been paid. The company in question is XXXX and she would not give me the corporate address.
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

I relocated my business early in 2023. At the time, I notified all interested parties of my change in contact information, including my new address. I encountered no issues with any of the ( numerous ) parties updating this information -- except or Capital One. On my XXXX or XXXX phone call, I was finally assured that my account information was updated. 
I recently moved my residence. Once again, I notified all interested parties of my new contact information. Once again, I encountered no difficulties -- except for Capital One. 
In the course of my phone calls with them, I learned that they in fact never updated my address the first time -- and were unwilling to do so unless I purchased new technology that would conform with their protocols. I am unable to provide the " verification '' which they require unless I text or email them my driver 's license or something similar. I am unable to do so, so they tell me I'm out of luck. I have literally spent multiple hours on numerous phone calls only to get nowhere. It is clear that is exactly where the company wants me to get. To be fair, the unfortunate employees with whom I have conversed have all done their best to assist me and were very polite. It is clear that their hands are tied. 
I have been a customer with Capital One for decades. I have never cashed in any of my points, but had been anticipating doing so as I segue into XXXX ( I will be XXXX XXXX XXXX next month ). 
I am concerned for my fellow XXXX citizens who may also be unable to surmount the same obstacles ... causing them to pay their bills late, damaging their credit ( with the potential myriad effects upon their lives ) and have their accounts terminated ( losing points collectively potentially worth XXXX XXXX XXXX XXXX XXXX that they may have been accumulating for decades, like myself ). 
Capital One 's inflexibility on this issue is unlikely to be coincidence. I believe that they are intentionally attempting to exploit XXXX citizens ( who are well-known to frequently struggle with technology and often lack the know-how or resources to purchase new technology ) for profit. At the very least, company superiors must be aware of this consequence and like it.
Consumer complaint received 2019-05-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (TX)

I have used the XXXX services through my bank without a problem in the past but lateley is like XXXX makes is a point now to delay funds to placed them in what they called " limbo '' supposedley for processing, but the company is putting that money on an account to earned interest overnight into longer days in the interbanking lending process. Also is sharing that information with other banks On or about XXXX money was send to my XXXX bank account via XXXX using my email address. My Email address is register ( XXXX ) but I learned that on XXXX JP Morgan Chase   intercepted that money. I dont have any accounts at this time with JP Morgan chase. The money send to me was to pay a balance on a business transaction that if not pay on this day will cost me a {$75.00} daily fee plus lost of my origianal investment 0f {$3500.00} through an internat customs services. XXXX Upon cantacting XXXX I learned thought is representative XXXX and XXXX at the Arizona center that The Money was being detained by JP Morgan Chase the same answer I got from XXXX. 

When contacting JP Morgan Chase a representative by the name of XXXX in customer service confirmed, XXXX at the XXXX call center transfer me to Chase Mobile banking the the XXXX with a representative by the name of XXXX XXXX whom then acknowledge that the money was being held by JP Morgan Chase it would transfer me to a department to assist me - I called several times and the emplyees at JP Morgan would disconnect me once they realized that they were holding my money illegally and did not wanted to get involve. 

For some reason JP Morgan Chase had illegally open an account to keep those funds. I had not done any sort of busniess with JP Morgan Chase in years.
Consumer complaint received 2019-05-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (GA)

The following accounts have been placed into collections and I do not notice them. I have disputed them with the collection agencies and the desire Bureus. They have not removed them. THESE ACCOUNTS DO NOT BELONG TO ME. 
XXXX/Convergent outsourcing- opened on or around XXXX. 
Account # XXXX XXXX XXXX XXXX- opened on or around XX/XX/XXXX. 
Account # XXXX XXXX XXXX XXXX XXXX XXXX : Opened on or around XXXX Account # XXXX
Consumer complaint received 2022-11-30
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-18
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. (FL)

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/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX SELF-REPORTED XXXX Balance : {$230.00} ; XXXX SELF-REPORTED XXXX Balance : {$64.00} ; XXXX SELF-REPORTED XXXX Balance : {$22.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$820.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$870.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.