davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-30
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. (MN)

I am a victim of identity theft. The information listed on the FTC Identity Theft Report, which appears on my credit report, does not relate to any account ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I have also disputed the accounts on Experian. However it did not allow me to add Account name XXXX  XXXX XXXX Account number XXXX, Date opened XX/XX/2015, Balance {$12000.00}.
Consumer complaint received 2022-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (FL)

I purchased 2 devices from XXXX  on my Chime Credit Builder Card on XX/XX/2021 on financing with a deposit that totaled XXXX and I also paid my bill 2 months in advance totaling {$600.00}. I had just paid my bill a few days before this and it was {$200.00}. So I guessed my bill after adding home internet from XXXX as well would be about {$300.00} a month. I had just got my unemployment after waiting for months so I didnt want to take any chances of my bills being phone being cut off being that after Covid my source of income was left to rideshare and delivery service. However. XXXX XXXX XXXX ( my home internet company ) offered the same devices at a much lower rate so I returned the devices after getting approval from XXXXXXXX on the phone, they sent me return labels and guaranteed my refund of all money paid since my service would be canceled. However after weeks of waiting and getting no money back I called my bank and disputed the charges. I was told an investigation would begin and to send any proof I had. I sent everything. At some point, XXXX reached out to me saying they had been trying to return the money but the card I purchased with was canceled. Banks decision. So I called my bank with XXXX on the phone and after hours of getting nowhere I gave up. I was told I had to wait for the investigation. 90 days passed and the denied my dispute. I called ranting and spoke to a supervisor. He or someone then approved my XXXX transaction which was on my debit card not on my credit like the other transactions and stated that the reason they denied the rest and not the one was because the dispute was filed incorrectly. Saying it was filed as unauthorized and not as a canceled services like the {$200.00} transaction. So we submitted it again and said it would be escaleated and I should here a response back soon. I did not. I waited the entire 45 days and was denied again. I am now in arbitration with XXXX and have no clue what to due. Im unemployed now and my license is screwed and all the money I need to fix things is being upheld by my bank. I even sent them more proof from the arbitration and from XXXX legal saying that My bank has charged back all the payments yet my bank has not given the money back to me. And I even have messaged and phone them about other discrepancies. What can I do? When I have no bank to walk into? I want to close all my accounts with them but then wouldnt I lose all my money. Please help!
Consumer complaint received 2022-01-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

On XX/XX/XXXX, I sent a certified post Covid-19 Forbearance Mortgage Modification request package to Bank of America for my home loan . ( See attached for copies ) It contained the following : 1 ) request to provide me with the necessary paperwork to file a partial claim for my FHA backed mortgage.

2 ) request for assistance to complete the loss mitigation application and receive a full loss mitigation evaluation.

3 ) Request for further assistance as well to complete the paperwork and address my previous requests 4 ) Request for BofA to exercise reasonable diligence to complete the application before the end of the forbearance period.

5 ) A complete mortgage modification request form, physical copies of a full and complete financial packet of my income for the entire years of XXXX & XXXX, my tax records for the years of XXXX & XXXX, my bank account history for the year of XXXX, all utility bills for the year of XXXX, as well as all historic communication with Bank of America XXXX XXXX XXXX XXXX, CFPB, HUD, FHA, and XXXX XXXX XXXX for the years of XXXX. 
On Monday, XX/XX/XXXX, I called Bank of America at the number I was instructed to by XXXX XXXX XXXX to validate my mortgage modification packet was received and being processed, and was told I was not allowed to request a post covid 19 forbearance mortgage modification. ( conversation recorded )
Consumer complaint received 2024-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (WV)

I was scammed by a company thinking I owed them for my vacation. They came up with bogus fees related to my vacation. Once they had my information and charged my account I immediately tried contacting them with no answer. Ive tried multiple times since. I then canceled my debit card and called Truist to file a dispute. They investigated it and denied my dispute. I have had zero help from Truist in order to try and get my money back. I have called sent emails multiple times and get the same response every time. Please help. I have receipts and documents stating that others have been scammed by this same exact scenario by the same people or company
Consumer complaint received 2022-01-07
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX 2021
Consumer complaint received 2022-01-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (KY)

I made a payment using my XXXX card I tried to make a payment that I had noted to be put in, the result came back several times we could not process try again, on about 3rd time it took the payment I suggested and then it took out the entire payment and I lost my entire payday all together GM got XXXX dollars, the payment was only XXXX I tried immediately with XXXX, GM Financial to reverse my over charge, neither will, it's obvious the payment was a duplicate, I have faithfully made my payments to GM and never been late I demand my reversal today, I can not pay my other bills or buy food if they will not I can not or see any reason after GM told them to refund my over payment they will not, this is the 2nd time I have had a problem with XXXX holding a refund when clearly it was a mistake, I never got the other reversal to this day. Please contact XXXX and demand my reversal
Consumer complaint received 2022-01-07
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)

My identity was stolen and I can't get any help to fix this ... all my credit is jacked up I can't open anythng because so much was done. Plus the data breach on XXXX and my stuff is not good. It should be open and shut case. I was incarcerated from XXXX XXXX XXXX to XX/XX/XXXX XXXX any and. All accounts opened nduring that time were fraud and there was alot of that and inquires. How no one would notice and freeze my credit based on how the credit was being used. Anyway I come to this and I canf even open a account for Experian. And if I try to open anything it goes bad to worse because all the Bs from the fraud me adding a inquiry just doesnt help. Anyway the police report on file is by XXXX  XXXX XXXX. XXXX XXXX case # XXXX. I've told the credit bureaus all this and nothing. They " investigate and come to the conclusion that I did open. The accounts ....!!! Shaking my head. How??. Please help. It's hard as it is XXXX XXXX XXXX XXXX XX/XX/1986. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX. XXXX XXXX XXXX. XXXX ) XXXX. Current info. Please update please indemnification is needed in store and so I can live. Thank you.
Consumer complaint received 2022-01-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: REGIONS FINANCIAL CORPORATION (GA)

XXXX of XXXX I called regions for forbearance due to corona. I called monthly, or due date to let them know status didn't change I was still unemployed as they requested. I was told over and over i would not have to pay total amount during hardship that payments would restart after the months of forbearance were used. On XXXX the day i came home from my brothers funeral I was called and told if I did not pay XXXX by XX/XX/XXXX foreclosure procedues would begin. I had recently cashed in my 401k and was able to pay but now have nothing and am still unemployed with no benifits.
Consumer complaint received 2022-01-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Gurstel Law Firm, P.C. (MN)

XXXX XXXX started to garnish my low income wage by 25 % yesterday without prior notice in any way. They said I owe them XXXX from 2014 which I though that I had paid off. This way not discussed or explained to me in any way. I would be happy to make payment because this garnishment is causing me much harm. It is in dispute currently. They did not follow due process or take me to court or anything. They just starting garnishing my wages without any warning. They will probably say otherwise which is a lie. Can you help me please. XXXX XXXX XXXX. This is Gurstel Law firm phone is XXXX located in XXXX  XXXX
Consumer complaint received 2021-11-14
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. (MI)

Enclosed is a copy of transunion credit report and a copy of consumers energy letter to me. The inaccurate information is the Last Payment Made which is dated for Trans Union XX/XX/2019 which is inaccurate and not the original date of Last Payment Made XX/XX/2019 which is accurate from Consumers Energy. Please investigate Trans Union for the misuse of credit reporting.
Consumer complaint received 2024-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERISAVE MORTGAGE CORPORATION (IN)

They wife and I did not consent to any hard credit pulls from XXXX XXXX and its affiliates. There we re two hard inquiries on XXXX of XXXX  that we didn't give permission for.
Consumer complaint received 2021-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/XXXX, I was logged into my bank of America app and I noticed that there are multiple charges of {$54.00} by " XXXX  XXXX '' I didn't recognize the charges at all then I kept scrolling down on my charges history and I noticed lots of those charged in weird amounts for the same payee and I still don't recognize any of these charges, I made a XXXX search about the payee " XXXX XXXX '' and I quickly found out lots of people are posting about the same fraud issue and that it's long running scam, I called bank of America and informed them of the whole thing and started XXXX claims, reason for that is some of the charges weren't caught and had to make them separately, A few days later I was credited for the 2 out of 3 claims in the amount of {$100.00}, However the third claim in the amount of {$2200.00} was rejected and their response was " These charges were made by me or someone I authorized '', and no other explanation were given, I got curious as to why they would accept the other 2 claims as fraud and refund the money back but reject the 3rd claim just because it a higher amount, when they were all for the same well-known fraudulent payee.
Consumer complaint received 2021-09-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (TX)

, I received a alert on my XXXX and XXXX credit file. They are seeking a collection payment in the amount of {$1500.00} and {$770.00} from XXXX XXXX XXXX .I have not received any prior correspondence either via phone call or via mail from this agency concerning any type of debt to even validate or determine if it is indeed mine. I am unaware of any debt and absolutely have no contact with this company. This debt is not VALID. From This was placed on my credit report with no formal letter from XXXX XXXX.I have been a victim of identity theft. This is against the law to list on my credit report without a formal letter. I have sent them a certified Validation of debt letter on XX/XX/2021 and have not gotten a respond.
Consumer complaint received 2021-09-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: WELLS FARGO & COMPANY (AL)

On XX/XX/2021 Wells Fargo denied me for a auto loan that they got compensation for by using my credit card that arose from a consumer credit transaction. There is no law saying they can deny me my own credit. I am the original creditor and consumer, and they reported a consumer credit transaction that arose from my credit card. This is a violation of FCRA 15 U.S. Code 1681a - Definitions ; rules of construction. XXXX XXXX XXXX is violating FCRA by providing information on my consumer report. Below are the following things that should be excluded from my consumer report. ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Wells Fargo is also in violation of 15 usc 1682b ( 2 ) Wells Fargo is also in violation of FCRA for denying me credit. Adverse Action does not say anything about denial of credit. I am the original creditor. What laws are Wells Fargo using to allegedly deny me credit. I have a open end credit plan as defined by congress. Wells Fargo is being deceitful and fraudulent because they used my credit plan. I only came for a consumer credit transaction. Wells Fargo has taken an adverse action towards me. Because I am administering and extending myself my own credit. This arose from a consumer credit transaction from my credit card, and as original creditor, it is my RIGHT to have the ability to discharge debt.
Consumer complaint received 2021-11-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Uprova Credit, LLC (WA)

I received an email this morning stating that I applied for, a was approved for, an {$800.00} loan through Uprova. I have not applied for a loan through them and the banking information attached to the documents is not my information. 
The name and address are mine but I DID NOT apply for this loan and do not want to be responsible for it.
Consumer complaint received 2021-09-11
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. (TX)

I have reported discrepancies to several accounts on my credit reports with each reporting agency XXXX, XXXX and Equifax and they continue to report inaccurate information. This inaccuracies are hurting my credit score.
Consumer complaint received 2021-12-21
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: Experian Information Solutions Inc. (FL)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-08-01
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. (WA)

Through this document I let the competent authority know that I was a victim of identity theft. I reported what happened to the FTC and they gave me a receipt for me to send to the 3 credit bureaus ( XXXX, XXXX, Equifax ). Once I sent my information, the only companies that gave me an answer were XXXX and XXXX with positive results. I have been sending letters to equifax by certified mail and return receipt for months telling them that I have many credit inquiries on my equifax credit report and I sent them a copy of the FTC report and they have refused to help me remove those credit inquiries. I also noted in the FTC report that Equifax was reporting me collections, phone numbers and addresses that were not mine and that I had never had. in that part they gave me a solution by removing collections, telephone number and addresses. But in the inquiries ( credit questions ) they did NOT give me a solution. 
They sent me a letter telling me that they were going to investigate and in 30 days they would give me an answer. A week passed and they sent me a letter telling me that these credit questions were going to remain on my Equifax credit report for 2 years. And it doesn't seem fair to me that I've been sending letters for months and they don't help me and the truth is that I don't think they're investigating. I have spoken to them on the phone and they always contradict each other because each equifax worker who answers the call tells me different things. And I ask you to please help me. and I demand that those credit questions be REMOVED from my credit report.
Consumer complaint received 2021-12-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been working on my credit for almost a year and have been sending disputes to XXXX, XXXX, and transunion since XX/XX/XXXX but, as of today ( XX/XX/XXXX ) I have yet to receive one letter back from any of the credit bureaus. I don't understand how these people can ignore the law so blatently and how you, the government, which works for me and from my tax dollars refuse to do nothing. I have sent the credit bureaus dispute letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. That's 6 seperate disputes 45 days apart to each of the 3 bureaus and NOTHING back, not a peep! How are these companies allowed to function and circumvent the law this way! I have spent almost the entire year sending dispute letters with not one letter back! I want you to do your job and force the credit bureaus to obey the law, the fair credit reporting act clearly states that if the credit bureaus do not do their job and complete their investigation within the proer guidelines, they are supposed to delete the disputed information from my credit reports. Please have XXXX delete the incorrect social security number ending in XXXX, incorrect social security number ending in XXXX, and have XXXX, XXXX, and transunion remove the following incorrect accounts from my credit reports : XXXX XXXX XXXXXXXX XXXX XXXX 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
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the fair credit reporting act XXXX  ( XXXX ) has violated my rights. 15 U.S.C 1681 section 602 a states I have the rights 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.