davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-25
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. (TX)

I XXXX XXXX XXXX, am filing this CFPB compalint in reference to disputes. That were sent cerified to the three major credit bureaus. Experian, XXXX XXXX, and XXXX in the filing of these disputes for request for reinvestigation I never got any results from my dispute for reinvestigation. I sent my disputes by certified mail, and yet I was not provided any information back at all. 
Experian, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX Have violated my constitutional Rights under FCRA , 15 USC 1681Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is accurate and recvord the current status of the disputed information, or delete the item from my file before the end of the 30 day period beginning on the date you received this notice. 
My didpute was sent by certified mail, I demanded to see verifiable proof ( This should have beeen hard evidence that goes all the way back to the original creditor, not verification from a third-party database. 
The three major credit bureaus, Experian, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX Have continually violated my rights by continual noncompliance as it relates to violation of the FCRA 15 USC 1681. 

( See attached uploaded disputes violations ). 
As, of the sending of this CFPB complaint, I will be following up with the filing of Civil lawsuits. Against the creditors and the three major credit bureaus, for the violation of my federal constitutional rights.
Consumer complaint received 2023-01-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

Unauthorized wire transfer : On XX/XX/XXXX, I was reviewing my transaction from chase bank checking account and I Found transaction that I did not make. I had my debit card in my possession and did not authorize anyone to use my account and I didn't lose any phone or tablet but someone used outgoing wire transfer. 
XX/XX/XXXX {$10000.00} + {$75.00} fee XX/XX/XXXX {$1200.00} + {$25.00} fee So I called to chase fraud center on XX/XX/XXXX and made claim, the claim number is XXXX They said they will call back to me about this problem within 5 days but I did'nt get any response so I spent XXXX week And on XX/XX/XXXX I called again they said the claim is denied. It is said that the same IP was used in Chase. I don't know about that. This is fraud issue!! 
When I called on XX/XX/XXXX, I don't know if they did a wire recall or what kind of investigation they did. I want to know details of the investigation. ( includes date and time ) And I found traces that someone entered my account and changed my phone number and email. attach it. 
I visited Chase Bank on XX/XX/XXXX and sent a complaint letter through the bank teller. 
She said agent would call soon, but there was no call.
Consumer complaint received 2023-01-31
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. (MD)

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS This will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. One, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately. 

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Consumer Financial Protection Bureau Re : Request for Bank of America to provide copies of ALL Credit Card and Bank Account Applications submitted for XXXX XXXX and my businesses, XXXX XXXX XXXX, XXXX XXXX. 

My name is XXXX XXXX, I have a Personal account at Bank of America and I had XXXX Business Accounts and a Trust Account. I opened a service ticket with Bank of America on Wednesday, XX/XX/2023 with Customer Service Agent XXXX - Ticket Number Case ID XXXX. My request is very simple. I requested copies of all Credit Applications and all Banking Account Applications submitted by me or my businesses. I was placed on hold for 3 Hours and then told some one from Bank of America would contact me in 48 Hours to tell me how to obtain copies of all credit card and bank account applications submitted by me or for me and my businesses including all Approved and Declined requests. 

No one ever contacted me and all of my access to the accounts in question has been removed. It is essential that I obtain copies of the applications that instantiated all accounts the bank is holding or held as me or on my behalf. I have been the victim of fraud and identity theft at Bank of America. 

Please have Bank of America provide copies of all Credit Card applications and Bank Account applications for the following : XXXX XXXX Social Security Number XXXX XXXX XXXX  XXXX XXXX ID XXXX XXXX XXXX Tax ID XXXX Please help me obtain these details so that I can assess which accounts were actually owned and controlled by me. All of my accounts have been plagued by what appears to be internal Bank fraud and account manipulation and errors at Bank of America. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: V and H Portfolio (KY)

The debit was through XXXX XXXXXXXX XXXX XXXX we had disputed that and it went off the credit report and now Vance and HuffmaXXXX took over the debit and put it back on my credit report after successfully removing it off the credit report before.
Consumer complaint received 2023-01-31
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: Block, Inc. (NY)

On XX/XX/2022 my CashApp account was rapidly charged with the following between XXXX - XXXX XXXXXXXX XXXX : XXXX. {$11.00} from XXXX XXXX. {$20.00} from XXXX XXXX XXXX XXXX. {$100.00} from XXXX XXXX XXXX. 
XXXX. {$10.00} from XXXX XXXX XXXX XXXX. {$7.00} from XXXX XXXX. {$2.00} from XXXX XXXX {$250.00} from XXXX XXXX XXXX {$250.00} from XXXX live XXXX. {$100.00} from XXXXXXXX XXXX XXXX. {$10.00} from XXXX XXXX XXXX. 
XXXX. {$4.00} from XXXX XXXX. {$37.00} from XXXX XXXX XXXX. {$2.00} from XXXX I noticed the activity on my phone application as the charges happened and immediately notified the card company, first by an in-app chat feature then by 800 number hotline. I was informed i could not disputing these charges until they were fully processed and the funds fully and truly removed from my account. In the meantime it was suggested and enacted to deactivate and re issue a new card with a new number. As soon as each charge was clear i filed the disputes. I was told the process can take weeks so checked back one or twice a week yo get progress reports. this was after all every cent to my name that was missing. After several rounds of denials and legion of chat, emails and phone calls i was given next to no information as to why this happened and why no responsibility was taken for allowing it to happen. After over a month of these redtape acrobatics the document they sent as an explanation was mearly an itemised list of my disputed transactions and a two line notation by each one explaining that the card was not present at the time for any of theses criminal deeds and they were perpetrated in a timezone hundreds of mile and several stated over. Im at my wits end
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am a natural person. I am a living human being I have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I secured an assumable mortgage in XXXX. Wells Fargo was selected by the mortgagor to service that mortgage. In XXXX, I endeavored to assume that mortgage as an individual, rather than as a married couple, as part of a divorce agreement. Wells Fargo required that I have a Debt to Income Ratio DTI ) of no less than 43 %, As I didn't have sufficient income, I secured two separate non-occupying co-borrower to submit the assumption application along with me. Both times, the co-borrowers were rejected -- once in writing and once verbally, because no matter their income ( both had annual incomes in excess of {$250000.00} per year ), I still had to satisfy the DTI of 43 %. The income of the co-borrowers was not considered in either of the two applications I filed. As a result, I was left with no choice but to terminate the mortgage. 

I believe the CFPB should investigate the DTIs required by mortgage servicers, as they effectively make any older or retired worker incapable of taking advantage of an assumable loan that they'd secured at a previous time. As a result of the unreasonably high DTI and the servicers ' refusal to consider the income of a non-occupying co-borrower, the loans are no longer truly assumable. 

Under XXXX XXXX rules, had I sought to secure a refinanced mortgage, the non-occupying co-borrowers ' income would have been sufficient for me to meet the DTI requirement. However, as a loan assumption, apparently the mortgage servicer was not required to incorporate the non-occupying co-borrowers ' income, thus effectively negating the assumability of that mortgage.
Consumer complaint received 2023-10-17
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: Experian Information Solutions Inc. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-08
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. (NY)

XXXX XXXX XXXX XXXX & XXXX XXXX XXXX Shall remove the listed fraudulent and misleading accounts below from my consumer report. Reporting these account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in aconsumerthat a person other than thecreditorof suchconsumeris participating in the collection of or in an attempt to collect adebtsuchconsumerallegedly owes suchcreditor, when in fact such person is not so participating. I believe XXXX XXXX XXXX XXXX & XXXX XXXX XXXX Understand the accounts they reported to my consumer report using my Personal information was reported to create a false belief that I have an obligation to XXXX XXXX XXXX XXXX & XXXX XXXX XXXX. You have 4 business days after receipt of this Notice to block all of the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you are also in violation of 15 USC Code 1692D ( 1 ) The advertisement for sale of anydebtto coerce payment of thedebt by sending the letter and you also violated 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I herby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

In Accordance with the Fair Credit Reporting Act. The list Accounts below has Violated my Federally Protected Consumer Rights to privacy and Confidentiality under 15 usc 1681, -B. 

Account Names/ # : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX All of these Accounts have Violated my Rights.

15 u.s.c 1681 Section 602A. States I have the rights to Privacy.

15 u.s.c 1681 Section 604A 2 States A Consumer reporting agency cant furnish a account without my written Instructions, or have reasonable cause to believe that the information being reported is inaccurate. 

15 u.s.c 1666B States that A creditor may not treat a payment on a credit card Account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (CA)

I noticed on my credit report alerts from chase that someone opened multiple credit cards under my name and with my personal information. In XXXX i started receiving these " alerts about past due balance '', " it looks like your using your credit '' and " you credit card balance went up '' which was really weird. My credit score went from XXXX to XXXX in XXXX to XXXX weeks. 

My chase credit report shows the following : XXXX bank card balance shows {$10000.00} with credit limit of {$12000.00}. Authorized user since XX/XX/23 XXXX  XXXX XXXX card balance shows {$16.00} balance and credit limit shows {$3000.00}. Authorized user as of XX/XX/23 XXXX  card shows credit balance of {$8100.00} with credit limit {$10000.00}. 

CBNA card shows credit balance of {$1100.00}. 

XXXX XXXX shows balance {$240.00} oppened on XX/XX/23.
Consumer complaint received 2023-02-23
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)

This is my Follow up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX FIN XXXX Balance : {$620.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2022 there was an inquiry reported from XXXX XXXX XXXX that I did not authorize. 

On XXXX there was an inquiry reported from CAP ONE NA  that wasnt authorized by me. 

On XXXX there was an inquiry report from XXXX XXXX XXXX  that wasnt authorized by me. 

On XXXX there was another inquiry report pulled from XXXX XXXX XXXX that XXXX authorized by me. 

On XXXX another inquiry report was pulled by XXXX XXXX XXXX that wasnt authorized by me. 

On XXXX an inquiry was reported from CAP ONE NA that was not authorized by me. 

On XXXX there was an inquiry reported from CAP ONE NA that wasnt authorized by me. 

On XXXX there was an inquiry reported from CAPITAL ONE AUTO FIN that was not authorized by me. 

Ive contacted each of these financial institutions explaining that it was not me and the reports are still on my report.
Consumer complaint received 2023-02-07
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. (MO)

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. 

ACCOUNT : XXXX XXXX XXXX, # XXXX ACCOUNT : XXXX XXXX XXXX XXXX # XXXX, ACCOUNT : XXXX XXXX XXXX  # XXXX ACCOUNT : ACCOUNT XXXX XXXX # XXXX, ACCOUNT : ACCOUNT XXXX XXXX # XXXX, ACCOUNT : XXXX XXXX XXXX XXXX  # XXXX, ACCOUNT : XXXX XXXX, # XXXX, ACCOUNT : XXXX XXXX XXXX XXXX # XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXX # XXXX ACCOUNT : 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 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 1681 s-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 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (IL)

On XX/XX/XXXX I negotiated with Navient to get my loan payments in order. I have the text messages clearly showing the agreement from the XXXX that I agreed to make the payments we decided on through XXXX of XXXX and would call back in XXXX to re-apply for these monthly automated payments. We were making these payments with out an interruption. 

Then suddenly two weeks ago I got repeated calls from Navient telling me my payments had stopped and I was apparently having a problem paying. When I asked them to look through their records they could not identify why the payments had stopped. 

once again I RE- INSTITUTED the auto pay. By now my credit score had tanked. I asked Navient for the audio tapes from our conversations as all of these calls are recorded. They told me they would not give me the recordings. I am attaching the text documentations to see that I had agreed to the payments back in XXXX. There was something in their system that ceased to work and penalized me. Please address this.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (UT)

XXXX, Equifax, and XXXX were all mailed letters disputing inaccurate information on my report. They are all reporting different data for the same accounts on my report. ( see attached letters ). My letters were all sent certified and they have all surpassed the thirty day period from the day it was delivered and sent me no update as to why they are reporting incorrect information. This is hurting my ability to obtain credit and they are in violation of my legal rights failing to investigate and update or delete these accounts.

I have asked them to Please remove these accounts from my credit report do to the fact that there are different dates last active reported by each bureau. How can there be different dates when this is what stipulates when the account naturally falls off of my credit?

I also have an account XXXX which has surpassed the 7 year mark and is still showing as a negative item on my report. 

I also asked them to delete an account due to the fact that there are different late payment status displayed for all three credit bureau 's. How can each be displaying different information if the information on my report is supposed to be reported correctly? XXXX Was 30 Days Late 9 Time ( S ).

Was 60 Days Late 1 Time ( S ). Was 90 Days Late 3 Time ( S ), Equifax Was 30 Days Late 7 Time ( S ). Was 60 Days Late 1 Time ( S ). Was 90 Days Late 3 Time ( S ). 

XXXX Was 30 Days Late 4 Time ( S ). Was 60 Days Late 2 Time ( S ). Was 90 Days Late 3 Time ( S ).