davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Waypoint Resource Group, LLC (TX)

This CFPB complaint has been filed to request pursuant to FCRA 605B that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of WAYPOINT opened on XX/XX/XXXX under the account number XXXX and XXXX XXXX XXXX opened in XX/XX/XXXX under the account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2022-07-22
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. (CA)

Upon reviewing my updates, unauthorized inquiries are being reported to my personal credit file. The XXXX, XXXX, and TransUnion Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i and 605b, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/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 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 XX/XX/XXXX
Consumer complaint received 2021-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

I have a mortgage with Community Loan Servicing, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX. My loan number is XXXX. I have never had a late payment. On XX/XX/2021, I paid electronically the {$2600.00} monthly mortgage payment due XX/XX/2021. They e-mailed receipt of the payment, and it was deducted from my bank account. At that moment in time, we were even. Then on XX/XX/2021, I mailed a separate personal check for {$50000.00}, and wrote across the top of the check PRINCIPAL PAYMENT ONLY. I enclosed a two line letter which read Please apply this entire {$50000.00} to PRINCIPAL ONLY for account XXXX. Thank you! 

But that is not what ensued. Community took an interest-free loan of two months forward payments ( due this coming XX/XX/XXXX and XX/XX/XXXX ), indicated my next payment was not due until XX/XX/2021, and applied only {$44000.00} to my principal. I mentioned this to my wife who reminded me that this had happened several years ago when I tried to make an extra {$10000.00} payment to principal. 

I telephoned Community ( XXXX ), finally got to escalation, and talked to XXXX XXXX who said when a check is received and assigned to principal, the programming automatically deducts the next two months forward mortgage payments. She did not know why the glitch existed, but said she would rectify my account, and that in the future any payment I make to principal should be discussed with a live agent. 

I ask if this malfeasance should be tolerated. Ultimately, they are in accordance with the terms of the mortgage, and one can prepay principal, but only after they intentionally try to get away with something. As a consumer, I spent over an hour on the telephone trying to rectify my situation. Are they allowed to put me through all this to prepay principal? And how many of their other customers just let it slide and give them the interest-free two-month loan?
Consumer complaint received 2023-01-29
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. (MN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-08
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. (IN)

Time payment account XXXX shows high credit of XXXX on XXXX  and XXXX on equifax, date last active as XX/XX/XXXX on XXXX  and XX/XX/XXXX on equifax  and payment history as ok on XX/XX/XXXX yet XXXX  shows 150 days late, delete this account for inaccurate. Time payment account XXXX shows high credit of XXXX on XXXX  and XXXXon equifax, date last active as XX/XX/XXXX on XXXX  and XX/XX/XXXX on equifax,XXXX shows ok on equifax and XXXX XXXX the next month!!! Delete because inaccurate. Time payment account XXXX shows high credit of XXXX on XXXX and XXXX on equifax, date last activity as XX/XX/XXXX on XXXX and XX/XX/XXXX on equifax, XX/XX/XXXX shows ok and 120 days late the next month!!! Delete because inaccurate!!!!!
Consumer complaint received 2020-09-18
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. (MI)

Notified Experian about 2 state of Michigan open child support accounts were inaccurate reporting as a charge offs but in fact are open. They did not a proper investigation, and said the accounts were verified as accurate. I have proof that these accounts are open and I have made all my payments on time. State of Michigan Account # XXXX. And State of Michigan account # XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
Account Name XXXX XXXX XXXX XXXX  Account number 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, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 161c. ( a ) ( 5 ) Section states : No consumer reporting agency may any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years 15 U.S.C. 1681s12 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

{$3100.00} is transferred from my Chase checking account by XXXX wireless transfer. The money was transferred through 5 transactions which I did not authorize the transactions. I talked to Chase Bank and filled a complaint. But The Chase bank are not helping me to solve this issue and give the money back to me. They are saying, it is my fault. I need a help if you can please.
Consumer complaint received 2024-09-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This account was charged off on the following date : XXXX Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account shouldn't include an active payment history. This inaccurate information falsely manipulates the statute of limitation. Please investigate this account property after I asked you to do it TWICE and your neglect has violated my rights, I am demanding a deletion of the following account : Accounts autombile : Account Number XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion IS IN DIRECT VIOLATION OF THE FCRA, they continue to report the following unverified account : XXXX XXXX  Account Number : XXXX I have requested the deletion of this account numerous times and it still remains on my credit report to this day and is in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Consumer complaint received 2020-09-18
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
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 ) -- CLOSED ACCOUNT 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- STUDENT ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. U S DEPT OF ED/XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. U S DEPT OF ED/XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. U S DEPT OF ED/XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

8. U S DEPT OF ED/XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-03-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

For over a month now I've spent hours on the phone with Bank of America to try to complete an international wire transfer to my own account in XXXX. I contend that they are forcing customers to convert money into Euros to send international wires in order to make more money. I contend they are not updating their systems to a banking law that went on the books in XXXX of XXXX, and claiming that customers must change currency to complete international wires. They are forcing customers to pay a high rate for an unnecessary service. 

Bank of America informs me that they are unable to complete the request in USD because of a new banking law that took effect in XXXX ( but actually cleared the books back in XXXX of XXXX ... nearly 10 months ago ). They say that they do not have the foreign banks fees for receiving an international wire transfer, and so can not complete it in USD. I provided them the exact fees from my overseas bank to receive the transfer. Then their excuse changed that the " Logic in the system does not work properly ''. I have spoken with nearly every person I am capable of getting a hold of as a customer, and they refuse to update their system. 

Their website immediately offers that I can convert my USD into Euros to complete the transaction. I was forced to send a transfer by the only method offered due to a time constraint. On XX/XX/XXXX, I sent {$10000.00}. Bank of America naturally took a fee to make the currency exchange. I received on my end in my overseas account {$9400.00}. My bank overseas charged only {$20.00} to receive this transfer in Euros. However Bank of America took a significant percentage cut of my transfer value, by giving me no other option. I contend that they are forcing customers to pay an unnecessary currency exchange rate to complete international wires, and are purposely not updating their systems with fees that I have provided them. This was the currency exchange rate they charged me as their " highest level '' client. I have been in contact with their wire department, and their executive resolution department, and have received only placations that they assure me they are working on it. They offered me no time frame for a resolution, and could not provide me any more detailed information to convince me they were working on anything. I asked for other options, or other banks in XXXX  who they could successfully send a wire in USD to. They provided me no answers. The best answer I got is " They hope to have it fixed sometime this year ''. This seems to me that they are blatantly taking money from their customers. I have provided them the receiving bank fees, and they have refused to update their system ... information they should have collected 10 months ago when this new legislation hit the books.
Consumer complaint received 2022-07-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

URGENT! MY MARCUS ACCOUNT IS FROZEN I transferred my funds from XXXX XXXX and XXXX Bank to Marcus by Goldman Sachs. Shortly thereafter, I entered into escrow to buy a home. Now, Marcus has frozen my account with {$260000.00} in it. 

Marcus says they won't release ANY of my funds until they can verify the account ownership of my XXXX XXXX  account ( which is now closed ) where SOME of my funds came from. They verified ownership of my XXXX Account where the rest of my funds came from, but they won't give me access to those funds either. 

XXXX Bank is in the middle of a merger or reorganization and can't be reached by phone due to 100 plus minute wait times that never get shorter. I have spent hours on the phone with Marcus. 

Marcus said they could also verify ownership of my former XXXXXXXX XXXX account by a copy of an account statement, but it had to be sent by mail. 

I sent them a copy of my XXXX bank statement by XXXX Mail XXXX. According to the tracking number XXXX it is " ready for pick up '' but no one at Marcus can guarantee that my funds will be available to wire in time for my escrow close. Meanwhile, I need immediate access to these funds in order to fulfill my escrow obligations or I may lose out on my purchase and forfeit my {$21000.00} deposit. 

Please help. Thank you. XXXX XXXX
Consumer complaint received 2020-09-18
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
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 ) -- CLOSED ACCOUNT 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- STUDENT ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. U S DEPT OF ED/XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. U S DEPT OF ED/XXXXL/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. U S DEPT OF ED/XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

8. U S DEPT OF ED/XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

I paid my Wells Fargo Visa card balance of {$7700.00} with a check made out XXXX Wells Fargo Card and sent to their XXXX, AZ payment processing center. Approximately a week later the check was cashed and cleared my account. The next month my card statement listed the accounts delinquent with no payment applied. I took a copy of the caged check to my local Wells Fargo branch where they told me the check was signed over to another party and cashed and they would start an investigation. Three months later they contacted me and asked me to file a police report on the incident which I did at the XXXX Police Dept. report # XXXX. The bank the check was written on XXXX XXXX XXXX after 4 months refunded the {$7700.00} to my account and I paid the Wells Fargo balance. 
Wells Fargo never replied as to the outcome of their investigation and I closed the Wells Fargo credit card account. Now I find that Wells Fargo listed the account as delinquent during their entire investigation period even though the branch manager told me not to pay until my bank refunded my money. Wells Fargo 's action caused a XXXX point drop in my credit score preventing me from purchasing a vehicle at a promotional finance rate.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

XXXX XXXX XX/XX/year> XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan, credit cards, and any other accounts from Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX with a balance of {$1100.00}, Account Name XXXX XXXX with a balance of {$0.00}, Account Name XXXX with a balance of {$160.00}. 


These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.