davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-18
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Point Financial Corporation (MA)

Called on early Friday afternoon- XXXX XXXX to refi using a fha stream line, and XXXX XXXX was supposed to work with me stating this wouldnt be a problem. The minute I said I would work with him he locked the file so no one else could look or work on it. I know this bc when XXXX ignored numerous calls I went to see if someone else could help. Obviously they couldnt bc he locked it but seemingly isnt working in it. He Promised to get back as supposedly he was working on it Friday night - but said hell get back on Saturday. Never did. Said if not Saturday then for sure Monday - never did. I left him a vm On Saturday saying that I had ppl coming to look at the house Monday because if I couldnt refi I would sell. And if you could please get back before I had to let people with possible Covid 19 in my house. I told the realtor to hold off bc I never heard from him and now shes saying that bc XXXX XXXX is coming that would affect me thanks to XXXX not getting back as promised. If he cant get this done bc it was supposed to be pretty much no docs involved then he needs to unlock it so someone who Is willing to help in a Timely manner without lying and ignoring can do so.
Consumer complaint received 2022-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I had a lock on my debit card with Bank of America for a brief period. And spoke to them concerning an issue over what seemed to be an unauthorized account opened in my name. They suggested I receive a new debit card as a part of the solution which involved me unlocking my card. I knew the balance on the card at the time very well because it was very low. and I keep a daily watch on my account. so when I unlocked my card so an order for a new debit card could be placed, after the call ended. I noticed my account was XXXX lower than before. So I decided to take a closer look at my mobile om line banking app, and in two places where transactions are noted, it only confirms that on the day in which this deposit was supposedly made, I hadn't used my debit card at all. I am in the process of closing my account over this because this is a second occurrence of suspicious activity on my account. I didn't report this prior, because I had no proof to work with. Now I don't think there is anything you can do for me by way of compensation for such a small amount nor am I asking for any. I only feel the matter deserves your attention and of course time. i reside currently, in XXXX XXXX, MA. XXXX. Best Regards
Consumer complaint received 2022-07-05
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

In accordance with the Fair Credit Reporting act capital one 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 2 : It also states a consumer reporting agency can not furnish a account with my written instructions
Consumer complaint received 2020-05-18
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

EXPERIAN has been nothing but problems over and over and over again for me. I sent a dispute by mail in middle of XXXX ( see the attached letter ), They sent me on letter on XX/XX/XXXX ( See attached Notice ), that my dispute was not sent by me. Please tell me how you can tell me that my letter wasn't sent by me. It had my full information in the letter and on the envelope. This is nothing but a stall tactic by Experian to not process my dispute. Your bogus notice sent to me is incorrect and wrong. You still have 30 days to answer my dispute ( copy attached ), it does not start over with this complaint. If you do not I will file a claim in court for various FCRA violations along with proof anf the date you received my dispute. Again I have attached the letter that I sent to Experian, that you called suspicious and fraudulent and the notice you sent to me claiming it was. The clock is still ticking on the 30 day response no matter what your incorrect notice says. YOU ARE WRONG! You have 10 days to answer my dispute.
Consumer complaint received 2020-05-18
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. (CA)

XXXX XXXX XXXX XXXX Is reporting a collection account totaling {$1100.00}. Per the documents that they have provided they purchased the stat from XXXX XXXX and the debt was charged off by XXXX XXXX on XX/XX/XXXX. I have requested a complete transaction history to support the amount they claim I owe and to date they have been unable to provide it. Further, they are reporting an account open date of XX/XX/XXXX but the actual death occurred before XX/XX/XXXX Per the document that they provided. It is my understanding that Credit Card Debt has a statute of limitations of 4 years. Per the document they provided from XXXX XXXX the actual debt is over four years old but they are reporting it on the credit report like the debt began in XXXX.
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

XXXX XXXXXXXX XXXX Opened XXXX. {$120.00} XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX CAPITAL XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

XXXX XXXX XXXX  Opened XXXX. {$120.00} XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX
Consumer complaint received 2020-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX Is reporting a collection account totaling {$1100.00}. Per the documents that they have provided they purchased the stat from XXXX XXXX and the debt was charged off by XXXX XXXX on XX/XX/XXXX. I have requested a complete transaction history to support the amount they claim I owe and to date they have been unable to provide it. Further, they are reporting an account open date of XX/XX/XXXX but the actual death occurred before XX/XX/XXXX Per the document that they provided. It is my understanding that Credit Card Debt has a statute of limitations of 4 years. Per the document they provided from XXXX XXXX the actual debt is over four years old but they are reporting it on the credit report like the debt began in XXXX.
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: PNC Bank N.A. (IL)

Good afternoon, I have recently filed a dispute regarding 2 payments that were deemed late. The reason I could not make the payments on time was due to me losing my job during the covid pandemic. I called my banks and informed them of my situation and they informed me that I would get an extension for my payments. Now I have noticed that these late payments completely ruined my credit score. I have only ever made 2 late payments in my total credit history and it was due to the negative affects of Covid 19. I appreciate this help greatly.
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I am sending this request again to address the inaccuracies on my Credit Report. Upon reviewing my file, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXXXXXX XXXX Late Dates : XXXX
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been submitting multiple written appeals to Transunion regarding the fraudulent information being reported on my file. The last letter I sent to Transunion was XX/XX/2022 with complete attachments of my personal information. This Complaint is being submitted through the CFPB to inform the Credit Bureaus that I am a victim of identity theft and the items I am disputing do not relate to any transaction that I have made or authorized neither did I received any benefits as a result of the theft of my Identity. This Complaint is to follow up my Previous Complaints last XX/XX/2022. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting agencies are required to remove any account and information which were 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 is not information relating to any transaction by the consumer. The accounts listed below are the result of such crime and must be deleted immediately XXXX XXXX XXXX XXXXXXXX, XXXX XXXX
Consumer complaint received 2022-07-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CLGF Holdco 1, LLC (AZ)

XXXX XXXX XXXX XXXX XXXX appearing on all three credit bureaus. 

Was disputed and updated on XXXX on XX/XX/2020, the other two bureaus soon followed with the reinvestigations returned as " paid charge off '', " {$0.00} amount owed ''. Now XXXX is trying to collect for approximately {$700.00} by phone. Have received no billing statements or other type of communication by mail. I wish for this closed account to be deleted from from my credit files.
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I have been submitting multiple written appeals to Experian regarding the fraudulent information being reported on my file. The last letter I sent to Experian was XX/XX/2022 with complete attachments of my personal information. This Complaint is being submitted through the CFPB to inform the Credit Bureaus that I am a victim of identity theft and the items I am disputing do not relate to any transaction that I have made or authorized neither did I received any benefits as a result of the theft of my Identity. This Complaint is to follow up my Previous Complaints last XX/XX/2022. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting agencies are required to remove any account and information which were 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 is not information relating to any transaction by the consumer. The items listed below are the result of such crime and must be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX
Consumer complaint received 2019-06-22
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Clark County Collection Service (NV)

I'm not sure what all is going on but my identity has been compromised. I have already gone to the bureaus and others to resolve this. This is not my debt. Sorry for the inconvenience. You guys are stating that I opened an account in XXXX of 2019 ... Please mail me all the original documents showing I received services from you since XXXX of 2019.
Consumer complaint received 2023-10-18
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: 2288984 Ontario Inc. (AL)

I took out an installment loan with MoneyKey. Due to a loss of income I got behind on the loan. I am unsure if MoneyKey is even an authorized lender in the state of Alabama due to their enormous interest rates and unfavorable terms. They were recently sued by the Attorney General for the State of Virginia for this very reason. Today, XXXX, my sister, daughter-in-law, mother, grandmother, and my daughter-in-law 's brother called me to tell me they had been called by XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX, Florida XXXX XXXX Number XXXX regarding my whereabouts. Moreover, the collection agency told my daughter-in-law 's brother that I would need a lawyer regarding the debt that was owed. Moreover, my grandmother was told she should lend me the money to pay the debt. My grandmother is XXXX  as well as my mom and they are very upset about the calls that they received today. Additionally, discussing my debt with my daughter-in-law 's brother is a true violation of the debt collection law. My mother, sister, and daughter-in-law were called two times today XX/XX/2023. Please protect me as the consumer as this is unfair debt collection.
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

It has been numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific record in my document coming about because of the wrongdoing. The record I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity theft, I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my report or I shall proceed with involving my attorney!
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (OR)

To whom it may concern, Were writing in the hope that you can help us resolve a problem we are having with Chase Bank. 

Recently, we received a letter from Chase informing us that our checking account had been closed. ( XXXX ) The letter also stated that all the money in the account had been removed. ( {$8500.00} ) Nowhere in the letter did Chase Bank offer an explanation as to why the account had been closed or where the money was. We have spent countless hours dealing with Chase regarding this matter over the past XXXX weeks and, as of this writing, have spoken with XXXX Chase employees, none of whom has been able to provide any help whatsoever. 

A little history. The account in question is a basic checking account that our small neighborhood group uses to pay for road maintenance. Everyone contributes what they can into the account and then we use the funds to pay the contractors. Its important to keep the road maintained, especially in the winter, because there are quite a few retirees and older folk on the road who need to have a clear road in case of an emergency.

To pay for this maintenance, we opened a checking account at Chase Bank. Everything was fine until we received a notice from Chase telling us the account had been closed. And the money was gone. Chase never informed us they were going to close the account and the money just disappeared.

Assuming this would be a simple mistake to correct, we made an appointment with our Chase XXXX XXXX at the XXXX, XXXX  office hoping to straighten things out. XXXX eventually located the account and told us it had, in fact, been closed and was now in the hands of the Fraud Department. He told us he would find out what was happening and get back to us. 

We chose to be patient. 

It's now going on XXXX weeks and despite speaking with XXXX people in the Fraud Department and investing countless hours to this, we have yet to find anyone, anywhere at Chase Bank who has a clue where our money is or, more importantly, when we will get it back. Again, this is a basic checking account with about {$8000.00} in it that a group of retirees use to fix potholes. 

Im pretty sure if Chase had accidentally deposited {$8000.00} in our account, we would have instantly received XXXX emails, XXXX text messages and countless phone calls to get the money back. 

This is really disgraceful behavior on the part of Chase Bank. Can you please help us find out what happened and help us get our money back. 

Thank you in advance for your attention to this, The residents of XXXX XXXX XXXX. XXXX, XXXX.
Consumer complaint received 2023-10-18
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: EQUIFAX, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

[ CA XXXX XXXX ] Fraud Charge Work/Important XXXX XXXX XX/XX/2021, XXXX XXXX Hi XXXX, Can you please send me an image of the charge on your account? What I need to see on the charge, is the date of the charge, the amount of charge, and there should XXXX XXXX XXXX XX/XX/2021, XXXXXXXX XXXX Hi XXXX, Ive attached and the email includes the information you requested. Let me know if you have any additional questions. Thank You! 

XXXX XXXX XX/XX/2021, XXXXXXXX XXXX XXXX XXXX, Thank you for sending that over. Can you provide me with the last four numbers on the card that is connected to that account? XXXX XXXX XXXX XXXX XX/XX/2021, XXXXXXXX XXXX  Per your request, the last 4 digits of my account are XXXX XXXX XXXX XX/XX/2021, XXXX PM XXXX XXXX, XXXX do not see a charge in our system under your credit card XXXX XXXX XXXX XXXX XX/XX/2021, XXXXXXXX XXXX XXXXo XXXX Yes because I was advised to get issued a new XXXX attached a screenshot of the charge to this email. 

It won't allow me to send you the screenshot due to formatting. if we email I can send it to you. 

XXXX XXXX XXXX XX/XX/2021, XXXXXXXX XXXX to me XXXX XXXX, I do not see this charge in our system. 
You can call your bank and dispute the charge Please make sure to reply-all to this email to receive the best customer service XXXX XXXX HE CHARGED ME {$180.00}
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (MS)

This is my another refilling of complaint to WELLS FARGO CARD SERVICE for allowing fraudulent inquiries on my credit report and it seems they are not taking action on my this very alarming concerns of mine. As I checked my recent credit report, the unauthorized hard inquiries since I never authorized any of these companies and are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Consumer complaint received 2022-07-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Novea Portfolio Management LLC (AZ)

XXXX XXXX XXXX XXXX XXXX appearing on all three credit bureaus. 

Was disputed and updated on XXXX on XX/XX/2020, the other two bureaus soon followed with the reinvestigations returned as " paid charge off '', " {$0.00} amount owed ''. Now XXXX is trying to collect for approximately {$700.00} by phone. Have received no billing statements or other type of communication by mail. I wish for this closed account to be deleted from from my credit files.