davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
Product: Credit reporting 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 recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XXXX XXXX XXXX XXXX XXXX 

On the XX/XX/XXXX XXXX, the billing cycle closed on XX/XX/XXXX with payment due on XXXX the XX/XX/XXXX Statement, the billing cycle for closed on XX/XX/XXXX with payment was due on XX/XX/XXXX. However, on XX/XX/XXXX Statement, it shows that a LATE PAYMENT FEE was placed on the account on XX/XX/XXXX. This late fee was placed on the account before the ending of the billing cycle for XX/XX/XXXX and XX/XX/XXXX. The date the late fee was applied was also before the Billing Due Date for XX/XX/XXXX or XX/XX/XXXX. As such, the subsequent 30 Late Payment for XX/XX/XXXX is completely inaccurate. 

On the XX/XX/XXXX XXXX, the billing cycle closed on XX/XX/XXXX with payment due on XX/XX/XXXX. On the XX/XX/XXXX Statement, the billing cycle for closed on XX/XX/XXXX with payment was due on XX/XX/XXXX. However, on XX/XX/XXXX Statement, it shows that a LATE PAYMENT FEE was placed on the account on XX/XX/XXXX. This Late Fee was placed on the account before the ending of the billing cycle for XX/XX/XXXX and XX/XX/XXXX. The date the late fee was applied was also before the Billing Due Date for XX/XX/XXXX or XX/XX/XXXX. As such, the subsequent XXXX XXXX XXXX for XX/XX/XXXX is completely inaccurate and needs to be removed from my credit report immediately. 

Additionally, XXXX is reporting that the Payment Status of the Account is 60 Days late. Experian is reporting the account as 30 Days Late. Neither of these are accurate. 

I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2022-09-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (LA)

I would like to start by stating this is not the first time WellsFargo Mortgage Company has denied helping pay my mortgage ; the first time was in XXXX. My husband and I was denied several times before they foreclosed on the home, even after catching up on payments and paying a credit card they claimed I had to pay that had nothing to do with the mortgage. I did not know at the time I could file a complaint of this sort. 

In XX/XX/XXXX XXXX XXXX, La was his with hurricane Laura then in XX/XX/XXXX we were hit with XXXX. Long story short the insurance company refused to fix home, stop answering my emails, dropped the insurance, and stop calling me. Then they filed bankruptcy leaving my home unrepaired with no walls or ceilings. Because the home was not completed, I was and still unable to get homeowners insurance, so WellsFargo insured the home which caused my payment to increase from {$650.00} to {$960.00} a month. I called them and explained to them I was not going to be able to pay that ; however, they claimed it was nothing they could do. I struggled paying it until several months ago when I became 2 months behind. They connected me with their preservation department where they basically had me send all of my financials to them not just my paystubs. They had me send bank statements, which I felt was not relevant because what I spend my money on is none of their business they just should have needed my income. I sent them everything they asked for and I was not surprised when they denied me. I am a school teacher who is on a sabbatical which means I will not be bringing home the same money as before. I will only be receiving 65 % of my check which I sent that paperwork them as well. If I appeal, it will be the same outcome. This is what they did to us in XXXX then foreclosed on the home. They denied us several times in XXXX ; they found every excuse to deny us help and I am most certain they will do the same this time.
Consumer complaint received 2022-06-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AXOS FINANCIAL, INC. (MN)

I have opened a checking account on XX/XX/2022. The sign on bonus mentioned that I will get {$150.00} after I made at {$1500.00} direct deposit within 3 month of account opening. I made a direct deposit on {$1500.00} on XX/XX/2022. Now they didn't give me the reward and mentioned that my account is not qualified.
Consumer complaint received 2022-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

So I sent a letter on XX/XX/2021. To remove personal information that i don't want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy, also according to 15 USC 6802. No Financial institution is not suppose to share my informant ion to third party people,
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IL)

Mine is simple. I pay my card in full each month. This month, I owed under {$30.00} and it dropped my credit score. Monthly, when I pay the bill, I add in what I charged AFTER the bill and I also try to anticipate what I need to cover charges BEFORE the next bill. So why, if the card gives me a 30 day grace to pay the bill, bureaus can drop your score for the same issue, having a balance that is not yet interest bearing? If I carry a credit, the bank will refund me after X days. I wouldn't have to if I could pay what I owe and not have to fear messing up my score which is a quite good one because I have a balance due. Can't this be fixed? You're punishing good borrowers. It's bad enough that Equifax let a foreign goverment steal my data. It would be nice if your agency could close this loop.
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

I was offered a balance transfer from Bank of America and saw there was a 3 % fee to transfer and that I have up to 12 months to pay off the balance. I transferred two card balances but when I called to confirm the terms I asked if I can allocate over payments to my previous high interest balance and they said no - that all of my payments for the next XXXX months have to go to the 0 % balance first! Why would anyone do that?! What a trap - so I am forced to have my previous balance accruing high interest while I pay off a {$0.00} interest loan that I had to pay a transfer fee on? What a scam! They wont let me cancel the transfer now and I am really upset. I would only transfer a balance if I had a {$0.00} balance, but I dont so it is not truly a XXXX interest loan is it??
Consumer complaint received 2022-04-24
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)

Account # : XXXX Account Name : XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-06-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (GA)

I am a victim of mortgage identity theft ( a federal crime ), misprison of felony ( when the judge or enforcement agency already knows that you are a victim yet continues to violate your rights ) ; ( the State of XXXX already has a list of victims in which they paid checks for and identified each victim ) ; fraudulent foreclosure auctions, schemes involving real estate fraud, discrimination, home title fraud, bid rigging at a foreclosure auction, theft by taking, theft by deception, tax and insurance fraud, conspiracy and racketeering, both criminal and civil and fraud on the courts. 
My family was held under armed threat, duress and coercion and forced out of our home. A crew of thuggish policy enforcers multiple county sheriffs came, drew their guns on my family and I forced us out, put me in hand cuffs and in the back of a police sheriff pickup truck. An unknown man, ( bank representative from XXXX ), and realtor from a real estate auction site XXXX XXXX were at the front door as I was forced out. This unknown man proceeded to change all the locks and removed with another unknown minor, all of my familys belongings. My XXXX camera caught the conversation of the sheriffs and the unknown XXXX representative stating they put homes in Trust, sometimes it works and sometimes it doesnt. The reason for that conversation is that my home was placed in Trust and recorded in the county register, and certified by the state of XXXX  Secretary of state, all due faith, credit and authority. Full recording of sheriff conversation with unknown bank representative available. The fraudulent mortgage companies filed form XXXX XXXX or XXXX to the IRS. They stole my house and then were paid 10 ( ten times ) more than the principle amount.
Consumer complaint received 2023-12-29
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

I Loss a lot money from my account ; and Now I find : Chase Bank Pay for my Telephone bill : " {$50.00}, {$30.00} and {$20.00} '' I have the Record in my telephone for This payed by Chase Bank ; and I Payed {$20.00} in Cash also ; for all XXXX or XXXX month I have XXXX  XXXX Account. in total {$120.00} per Month. I buyer Perfume : They put in Chase Email : " The same Perfume with better Price ; but I already pay my perfume to XXXX ; and I loss the money ; in paper they return money ; but I Loss this money. I don't take offer from XXXX I use XXXX XXXX XXXX. They close My Account : " But My Social Worker XXXX at Social Security ; tell me : " The money came to The Chase Bank in 4 day ; if they help you came give your money ; because is XXXX Pay ; now : " I way for XXXX XXXX By Social Security XXXX  : " Because I never received my Pay Completed by Social Security ; always by shore '' Now I came be Shure I received all my Money ; because I way to be received {$1700.00} for XXXX ; for made {$160.00} Shore may payed by Social Security ; maybe : " This is The Truss reason to Chase be Close my Account ; because came to me in XXXX This Pay '' Are You Help me to find this money? ... Because I have empty my new apartment ; I need Urgent This Money Now ; and also my brother borrow a lot money ; and I need Pay Him. I want be help for you ; because : " This is Abuse by Chase Bank ; because manager in XXXX XXXXXXXX Chase Bank try forced to me : " Accept XXXX XXXX Account when don't subtraction my Pay for XXXX ; and Plus to the total this money '' For this reason I loss a lot money. Also I loss a lot money of my XXXX Card ; and I need stop : " XXXX XXXX XXXX '' Because I Loss {$20.00} in every transaction ; when I used Debit Chase Card and XXXX Card '' I loss all {$1700.00} only received one time ; but I want be sure If I received this Pay in my Debit Card. I hope you Investigation was good ; because I represent To USA for The Best Student XXXX XXXX in XXXX went I finish My XXXX XXXX in XXXX XXXX XXXX in XXXX, New Jersey. Please see also in XXXX My Name : XXXX XXXX XXXX XXXX And You came see My Job to Saved Our World ; also I have : " Change Order for Use Divine Solution for Climate Change '' I Need My Justice and recovered all My Money, XXXX Help Me! ... Amen!!! I want to invite all disability and Older Person for make Demand Together!... Because be pour the older people is be Pour all USA!... They are The Base of Our Economy!... Help Please!... XXXX XXXX  XXXX!... XXXX!!!
Consumer complaint received 2024-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (NY)

I have no knowledge of this these fraudulent accounts. These accounts are a result of identity theft. I did not physically open these accounts in person at a branch nor did I open these accounts online with the bank. I am a victim of identity theft. These credit card accounts were open without my consent. There was also bank accounts opened in my name using my information obtained from a breach or other sources thieves use to obtain personal information and used to make payments on these accounts. Please remove this account from my credit report. I have attached dispute letters along with an FTC identity theft report. & Police report.
Consumer complaint received 2022-09-22
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. (PA)

MY NAME IS XXXX XXXX AND I AM WRITING THIS STATEMENT ON MY OWN BEHALF REGARDING THE INFORMATION ON MY CREDIT REPORTS. FRAUDULENT APPLICATIONS WERE SUBMITTED AND PROCESSED UNDER MY NAME OR IDENTITY WITHOUT MY CONSENT TO OBTAIN GOODS OR SERVICES. THE FOLLOWING INQUIRIES AND ACCOUNTS I NEED TO BE DELETED ARE LISTED IN THIS REPORT AND ARE ATTACHED TO THIS STATEMENT AS WELL : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-10
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. (MO)

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent accounts in my file that are reporting on Experian, XXXX and XXXX Credit Bureaus. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and also the inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX ; XXXX CT XXXX, MO XXXX ; showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Consumer complaint received 2023-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I purchased a service through my online banking with my bank of America using a XXXX  method I got a glitch saying it will post 24 hours to review the purchase. Then in 4 hours in got send .during those hours I tried to cancel the transactions an I couldn't cancel it.

Even though I purchase the service I didn't get the service so I automatically file a claim. The bank said to try to ask the services provider to refund me my money back an no answer .so I got scammed an fraud. I also tried file e regulations an they said that they can't file the e regulations because the account does not have funds.
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

The XXXX, XXXX and Equifax Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX. XXXX FCRA, reporting must be 100 % accurate or the information must be CORRECTED. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or FIX this from my personal file.
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The TransUnion, XXXX and XXXX Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX. XXXX FCRA, reporting must be 100 % accurate or the information must be CORRECTED. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or FIX this from my personal file.
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 


XXXX : XXXX XXXX XXXX XXXX Balance : {$110.00} TRANSUNION : DEPT OF ED / XXXX XXXX Balance : {$0.00} DEPT OF ED / XXXX XXXX Balance : {$0.00} DEPT OF ED / XXXX XXXX Balance : {$0.00} DEPT OF ED / XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX  XXXX Balance : {$940.00}
Consumer complaint received 2022-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (VA)

I have made several contacts with the southwest credit system as well as XXXX XXXX regarding this matter. This is not my account ; this account was addressed at an address that I did not live at. I joined the military in XXXX and was living overseas during the time frame of this account. Before I went to the XXXX, I lived in XXXX, XXXX. I didn't return to the state until XXXX. Please remove this account
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

As a creditor, you have previously acknowledged your inability to provide original documentation that substantiates my ownership of this debt relating to the account on my credit report in which you sold to Portfolio recovery. I have consistently maintained that I never opened an account with your company, and I have provided substantial evidence that my personal information was compromised in the XXXX data breach. This raises serious concerns regarding the accuracy of the information on my credit report. Under the provisions of the Fair Credit Reporting Act ( FCRA ), it is imperative that all reported information is accurate, verifiable, and substantiated by the creditor. Given that you are unable to furnish the original documents confirming my association with this debt, I must assert that you are in violation of the FCRA. I kindly request the immediate removal of this account from my credit report within the next 7 days. Failure to comply with this request will leave me with no alternative but to pursue legal action to rectify this matter. I believe it is in our mutual interest to address this situation promptly and amicably to avoid any further legal action. The account is PORTFOLIO RC XXXX. See the XXXX data breach claim ID attached.
Consumer complaint received 2022-06-10
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions