davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-28
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. (GA)

This is my another endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records 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. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 XXXXXXXX Balance : {$0.00} 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 XXXX XXXX XXXX
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TN)

I tried to contact Experian to establish a credit freeze for my incapacitated mother-in-law. This will, I assume, require identifying her power-of-attorney along with other pertinent information. Their website did not address the process for doing this, so I tried for hours to contact a live customer service representative who I could speak with to address my particular issue. I was never able to actually speak with anyone, despite multiple attempts. I may, however, have inadvertently put a freeze on my credit as I navigated the " maze '' of their automated call system. I have written Experian a letter to send through USPS that, hopefully, will get my question answered, albeit much later than I had hoped. Hopefully, my mother-in-law 's credit will not be compromised in the meantime. The concern I am addressing to you is, if I can't actually contact Experian, except for their regimented call service which will not address individual circumstances, how can I be sure that if I place a freeze on my, or any other, credit account I will be able to lift the freeze in a timely manner? I imagine Experian can afford to address this problem, but it may take your " weight '' to make them.

Thank you for providing a resource that supports individual citizens. XX/XX/2022.
Consumer complaint received 2022-04-11
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. (DE)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX # 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 U S DEPT OF EDXXXX XXXX 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 XXXX 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 XXXX XXXX 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 US DEPT. OF EDUCATION/XXXX  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 2022-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP. (TX)

On XX/XX/2022, I called my mortgage company, 21st XXXX, to find out why I had not received loss mitigation papers. I was told they did not receive loss mitigation papers from XXXX and they will foreclose on my property on XX/XX/2022. That's the next day. I stated to 21st Mortgage that I had not been notified. They said notification was sent to me and the attorney I had at the time. Neither the attorney or myself received notification. 21st XXXX will not provide me with documentation that it was mailed to me. I feel like this is an unlawful foreclosure. 

The next issue is the attorney I had at the time, XXXX XXXX, did not forward the loss mitigation forms I emailed to her email account. I have the original email showing it was sent to XXXX XXXX. I would not have lost my land and house had she forwarded my loss mitigation forms. 

I am seeking to have my house and land returned to me and am seeking monetary remediation regarding XXXX XXXX 's failure to forward the loss mitigation forms I had sent to her per her request. She stated she would send the paperwork.
Consumer complaint received 2022-08-14
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: EQUIFAX, INC. (TX)

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). In Accordance to Fair Credit Reporting Act XXXX this accounts bellow have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-28
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-03-24
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. (FL)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my Experian consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-08-28
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. (LA)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

XXXX, Trans Union, and XXXX is governed by 15 USC 1681, and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX written permission to furnish these accounts. 

Accounts are listed below XXXX XXXXXXXX acct # XXXX XXXX XXXX acct # XXXX XXXXXXXX XXXX  acct # XXXX XXXX acc # XXXX XXXXXXXX XXXX  acc # XXXX
Consumer complaint received 2022-03-17
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: EQUIFAX, INC. (TX)

I sent a letter to them last XX/XX/2022 and until now I didn't received any response nor see any changes with my report. I never gave anyone any written consent to report anything on my credit report because of this they are violating 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports ( a ) ( 2 )
Consumer complaint received 2022-09-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (FL)

I have an open complaint pending with Selene Finance LP. Reference to application for loan modification due to hardship. 

I was verbally informed by Selene Finance Representative my modification was approved and I was very upset because the results of my trial payment was much higher than my loan payment, if I had temporary problems paying my mortgage with {$700.00} less than my approved modification and higher interest rate didnt make any sense
Consumer complaint received 2022-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NV)

On XXXX XXXX, XXXX I entered the hospital by ambulance, had XXXX XXXXXXXX and then my XXXX went into XXXX. It was a serious issue and I have had other hospital visits about this. 
On XXXX, XXXX I was moved by ambulance to a recovery center to gain strength and to help me to walk with a walker. 
I came home on XXXX XXXX, XXXX. Then I saw the XXXXChase cc card bill. I paid for my charges on the bill. I closed the account. I contacted Chase to report them as unauthorized. 
The charges : XX/XX/XXXX @ XXXX XXXX XXXXXXXX XXXX XXXX, XXXX {$96.00} XX/XX/XXXXXXXX @ XXXXXXXXXXXX XXXX and XXXX # XXXX {$120.00} XX/XX/XXXX @ XXXX XXXX XXXX XXXX  # XXXX, XXXX {$370.00} XX/XX/XXXX @ XXXX XXXX XXXX XXXXXXXX # XXXX {$150.00} XX/XX/XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX {$59.00} I contacted Chase many, many times and explained what happened to many people. I gave them all the information I could remember at that time. I sent the hospital notes of official dates of arrival and discharge dates. They asked if I loaned the card to anyone or left it sitting out. NO. My card was at my house until I was moved to the rehab, in XXXX. I believe my husband brought my purse to me and I didn't know it. I wasn't really awake at first. He doesn't remember. It may contradict the info I gave Chase in the beginning, but I answered the best that I could remember. So, I am guessing that I was stolen out of my locker. I was asked by a Chase person that maybe I decided to go " shopping '' while in the ambulance to rehab. 
I answered their questions the best I could. If I buy something I pay for it. I am XXXX and too old for such theft. I do believe they thought it was me since the start. Apparently the person had the card because it couldn't be used with out it being in their possession. No matter what, these are not Authorized purchases. They still remarked I was responsible. 
They never mentioned that I should have filed a police report. Not sure that would have helped. Can I do one now? I am at a loss of what to do. I wouldn't pursue it if I did the charges. I am so tired and angry and frustrated. I hope you can help. Thank you for your time. 
XXXX XXXX
Consumer complaint received 2022-07-11
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. (SC)

This is my 3rd Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove these items 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. 
XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX
Consumer complaint received 2024-12-15
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/year> & XX/XX/year>, I applied for credit at Well Fargo application # XXXX. And I have been denied access to my credit according to Federal Reserve Act. Wells Fargo continue to mention that my approval is based upon other credits accounts, incomes qualification and what's on my consumer credit reports- which is clear discrimination. None of those factors shall not determine my access to credit, according to the Equal Credit Opportunity Act & the Federal Reserve Act. I gave my application along with Tender to obtain access to my credit, yet still denied. Wells Fargo is treating me like a minor, which is violate Equal Credit Opportunity Act, because I have the full capacity to contract with Wells Fargo. Wells Fargo is violate Security Exchange Commission Act, because in their indenture agreement with the SEC, it indicates that I can surrender a note collateral of debt securities in exchange for for payments. Wells Fargo is holding on to my security collateral and not processing it per my request. Which is in violation of the security agreement with Security Exchange Commission. Also, I have remove any Power of Attorney that I may have been given to Wells Fargo directly or indirectly, due to Wells Fargo not upholding their fiduciary duties, so they must honor my request and run my application & tender through the Federal Reserve. In good faith, I gave Wells Fargo value consideration with securities collateral and i am not receiving nothing in exchange is unacceptable Window. Wells Fargo, has NOT provided me with any legitimate or legal reason on how they can loose or take any financial lost with my securities collaterals, by honoring my request to access to my credit. Any security interest is mention in ALL their contracts & agreements. There is NO risk to Wells Fargo.
Consumer complaint received 2021-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (TX)

PNC Bank purchased BBVA Compass and the migration was this week. Usernames and passwords were indicated to stay intact. This evening, XX/XX/2021, when I attempted to access my account, I was given an error " We are unable to use your BBVA USA user ID and password. Please contact us. '' You have to go digging for contact information to " contact us ''. 

I am unable to access my money, so I contacted their support line at ( XXXX ) XXXX after digging around on the PNC website, where I was instructed there was a 20 minute wait time. After 30 minutes, I am still on hold trying to access my money. 

They have botched the migration, failed to provide updated instructions for accessing online account information, and are exceeding 30 minute wait times for their customer support. I was fortunate enough to move 90 % of my money out of this system, including closing a business account, prior to the migration, but I can not imagine  the frustration if this is the only banking product you have access to. 

PNC needs to be fined for this mess.
Consumer complaint received 2022-01-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

Date : XX/XX/2021 I recently purchased XXXX XXXX, and XXXX failed to protect my information when a variety of back to back charges were made on my Citibank card for products completely out of my consumer habits which Citibank failed to recognize. ( a series of XXXX games, charged at approximately XXXX ) I immediately contacted XXXX in writing. The by phone the next day. XXXX only refunded one of the charge ( currently in dispute with them now ). XXXX also removed the card from my account and changed my password. 

I contacted Citibank Fraud department two days after the multiple charges were made. I have been a longtime customer of Citibank and approximately only once requested a refund on a false charge prior to this one. 

Citibank canceled my current card and sent me a new one and put a temporary refund on the charges. After XXXX disputed with Citibank and insisted that these charges were legitimate due to the fact the charges were made on my card in my name, and then showed usage, Citibank refused to refund more than {$5.00} of the approximately just under {$200.00} charges. Honestly a small amount for a company such as Citibank and a very XXXX  way to treat a customer - treating them as if they are lying to get out of a less than {$200.00} charge. 

Along with the major inconvenience of changing and updating my card on all automatic bill payments ( over less than {$200.00} ), I also provided screenshots of my conversation with XXXX, proving I contacted them immediately. 

Despite all of the above, Citibank still concluded that I was attempting to deceive them to avoid a just under {$200.00} charge. A really XXXX  way to treat a customer.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

Consumer Financial Protection Bureau XX/XX/XXXX Re : Removal of Incorrect Items from Credit Report ( XXXX, Equifax, XXXX ) ( More than 30 days have passed ) To Whom It May Concern : On ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), I've sent requests to investigate incorrect items which were listed in my credit history reports with XXXX, Equifax, XXXX. 

1. The information is inaccurate please remove it. 
BankruptcyXXXX Case Number : XXXX Please remove it from my credit report. 


I've also informed/stated that The Fair Credit Reporting Act requires that a reinvestigation of my request within 30 days. It has now been more than 30 days and no removal/response received to date. 

I'm not sure as to why I have not received a reply. It's possibly due to inability to accurately verify the information. I would greatly appreciate your assisting me with removal of this incorrect information. I also request once the matter is corrected, I'm sent an updated copy of my credit history report. I also request notices of corrections to be sent to anyone who received my credit report in the past six months. 



Thank you for your time and help in this matter. 

Sincerely yours,
Consumer complaint received 2022-03-29
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (NY)

After a COVID Deferment, a loan modification was prepared in XX/XX/XXXX. FROM THE TIME THE MODIFICATION WAS PREPARED IN XX/XX/XXXX UNTIL IT WAS ACCEPTED AND PROCESSED BY SHELLPOINT ( IN XXXX XXXX ), THE ACCOUNT WAS LOCKED AND WE WERE FORBIDDEN FROM MAKING PAYMENTS. SHELLPOINT HAS ERRONEOUSLY REPORTED US DELINQUENT DURING THIS PERIOD AND REFUSES TO CORRECT THEIR ERROR. 

Once provided to us, I had the loan modification documents notarized locally ( at XXXX ) on XX/XX/XXXX, as suggested, because Shellpoint indicated that their mobile notary was backlogged at the time. We sent the signed and notarized documents to Shellpoint on the same day they were notarized. We were advised to check the Shellpoint website to see if the modification had been processed and to then make required payments. The representative said no payments could be made ( online or by phone ) until then because the account had be locked due to the pending modification. I checked the website almost daily in an effort to make payments. 

We were never contacted and the account remained locked. Accordingly, I called Shellpoint and was to told that the notarization was somehow defective and would need to be signed and notarized again. Shellpoint indicated they would have their mobile notary contact us to schedule a signing date. The notary never contacted us. 

I called Shellpoint 's representative numerous times. Eventually, he gave me the phone number of the mobile notary and I was forced to personally scheduled the signing. The modification was then signed, notarized, and sent to Shellpoint late in XX/XX/XXXX. I continued to check the website on an almost daily basis to make a payment, but the account remained locked until late XX/XX/XXXX, at which point almost {$20000.00} in required payments were made immediately. 

In short, due to the locking of the account BY SHELLPOINT from XX/XX/XXXX to XX/XX/XXXX, we were unable to make payments from XXXX to XX/XX/XXXX. Our credit report now indicates that we were delinquent on payments from XX/XX/XXXX to XX/XX/XXXX- exactly the time period during which the account was locked by Shellpoint. I would like the reports of " late '' payments removed from my credit reports with all three credit reporting agencies as soon as possible. This will be necessary for both borrowers- XXXX XXXX. XXXX and XXXX XXXX XXXX. 

Complaints were made to Shellpoint in XXXX XXXX and XX/XX/XXXX regarding these issues without relief. In addition, disputes were filed with the three credit reporting agencies in late XXXX and no changes to our credit repots are evident.
Consumer complaint received 2021-12-03
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 have collection accounts on my XXXX credit reports from XXXX XXXX XXXX in which they documented a XXXX late on my credit reports in XX/XX/2021. Only original creditors can report late payments - I have never entered into any agreements with XXXX XXXX systems, therefore they can not report late payments. These late payments caused my score to go down and are negatively impacting my credit. I disputed these accounts with all three CRAs on XX/XX/2021 and all came back as " updated '' with no removal of the late payment documentations. These late payments are fraudulent, erroneous and incorrect information being reported. I request due to these inaccuracies the accounts be permanently removed from all XXXX reports. Accounts are as follows : XXXX, XXXX