davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC. (SC)

On XX/XX/XXXX, I received an email notification that I was denied credit and the Principal Reason for the Denial, Termination, or Other Action Taken Concerning Credit was income insufficient to meet credit obligation, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. 
1 ) I never applied of credit with NetCredit. 
2 ) I have not applied for credit within the past month. 
3 ) When I can 1st call ; I was informed that my information was purchased by Even Financial back in XXXX. And it purchased by NetCredit. Apparently, they have used that information to access my credit and have been running credit checks at any given time without my permission. 15 US Code 1692 ( e ) False and misleading representations. A debt collector may not use any false, deceptive, or misleading representation or means in connection with collection of any debt. 15 USC 1611 the US Code that deals with criminal liability for willful and knowing violation of Consumer credit cost disclosure laws ; " states that anyone who gives false or inaccurate information or fails to provide information that is required by this subchapter, or any regulation issued under it can face criminal penalties. When I attempted to speak with their manager XXXX, she was prepared to argue, I attempted to de-escalate the conversation, but she would not allow room for reasoning. Based, on my first conversation with the initial customer service agent XXXX. She stated that they received my information back in XXXX. The email that i received today that I was denied based on my XX/XX/XXXX, credit score which is XXXX. As of XX/XX/XXXX, my credit score is XXXX. According to NetCredit advertisements, they help people with all credit scores. So along with their false, deceptive and misleading business practices, I feel that I was also discriminate against because of past credit score that is inaccurate. With exception the student loans that is currently being disputed and I have filed a police report against ; I have GOOD payment history with all those that I have extended credit with.
Consumer complaint received 2019-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (OH)

On XX/XX/XXXX PNC bank withdrew {$340.00} from my checking account over a card dispute which was resolved. They took this money with no warning and pushed my account negative {$42.00} I have had three charges for less than {$20.00} each come through all of which caused and overdraft fee of {$36.00} each. I contacted PNC on XX/XX/XXXX as soon as I realized my account was negative and asked why they are allowed to withdraw money with no prior warning the response paraphrased was we are sending you a letter in the next 5 to 10 business days to inform you of this. I have just changed jobs and was depending on the money I earned to support my family and pay Bill 's I did not plan on giving PNC any of it. If I lost a despite then fine however a bank should not be allowed to withdraw money without and advance warming to the account holder
Consumer complaint received 2019-10-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (FL)

Since of XX/XX/XXXX i have been trying to ASSUME my father 's mortgage after he pass away. 
Mr. cooper restricting me from to instead trying to sell my father home against the law I have the right to assume the mortgage loan under XXXX XXXX and this Agency rules saids I do under the new regulation since of XXXX. 
I have given Mr. Cooper all the proof I need to show Im a heir beneficiary and they say they need more proof now say they need a will when I gave them the probate documents Im the heir and beneficiary and death certificate.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LoanCare, LLC (NV)

In accordance with the Fair credit reporting act this creditor has violated my rights. Under 15USC 1681 sec 602 states I have the right to privacy. 15USC 1681 sec 604a sec 2 states a consumer reporting agency can not furnish an account without my written instruction. Under 15USC 1666b 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 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

The following information does not belong to me, I 'am a victim of identity theft. 
Reason Code : This account is not mine and is a fraud. Please delete it from my report. 
Instructions : In compliance with the Fair Credit Reporting Act ( FCRA ), you are required to verify the debt and confirm your original signature by the FCRA 's obligations for validating a debt. And if you can not validate the debt, then the account must be deleted immediately. 
Provide a detailed log of dates and times of attempts to contact our client, and explain your relationship to the alleged account creator. Specify if this is an assignment or a purchase of the account. Also, furnish the account details for the past year and any applicable collection fees or interest. If you're a third-party collector, submit your license or bonding information to confirm your identity. Failure to comply with these questions will result in the removal of the aforementioned fraudulent tradelines from the credit report due to the violation of our client 's consumer and privacy rights. You are hereby required, under the XXXX XXXX 's regulations, to : a ) Validation of the debt refers to checking the accuracy of accounting. 
b ) XXXX of signed Invoice. 
c ) A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 
d ) Please provide the original document and a wet signature. If you can't provide these items, then you must delete them. 

Let it be known that XXXX XXXX has suffered substantial financial loss, harm, and aggravation due to this erroneous reporting. With the foregoing in mind, our client prefers to avoid litigation but stands ready to exercise his or her respective rights should the need arise. Nevertheless, our client ( XXXX ) seek the removal of the aforementioned account. And if the accounts are not removed within XXXX days of receipt we shall seek a reasonable settlement offer for {$25000.00} in consideration of the financial loss and distress our client has suffered because you failed to comply with the FCRA statutes. You shall pay on XX/XX/2023, the sum demanded if the accounts listed above are not removed by XX/XX/2023.
Consumer complaint received 2023-10-24
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. (MD)

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 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 USC 6802 A. may not disclose personal information.
Consumer complaint received 2024-10-29
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. (NC)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have two late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following date XX/XX/year>. I am now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CHARLES SCHWAB CORPORATION, THE (GA)

I received a Fraud alert notification from XXXX from Charles Schwab went off on my phone about a possible fraud notice on XX/XX/2023. I was then contacted by the Charles Schwab Support Team at XXXX XXXX. The gentleman assisting me locked my account and stated that my account will be taken care and any posted transactions or fees for transactions will be removed of and asked me if I would open a claim to the fraud team. I allowed him to open an investigation with the team and he told me that I would expect a call back some time in XXXX - XXXX hours which would be some time Saturday at XXXX. My conversation with him lasted XXXX hour XXXX minute and XXXX seconds. Saturday came around and nobody called me. The time is XXXX when I decided to call back the number. I spoke with a gentleman who helped me get back into my account and then transferred me because he had no idea how to assist me with my money. I was transferred to a lady who informed me that the fraud team did not work on weekends and to expect a call some time Monday. I asked if there was a way to reach out to the fraud team so seek a resolution to the withdrawn money from my IRA, Savings, and Checking account. I was told there is no way to contact the fraud department other than by email and that she would put in a request for me. My call lasted XXXX minutes and XXXX seconds with them. It is now Monday and nobody called. The time is XXXX and I called the customer service hotline at ( XXXX ) XXXX and spoke with a man who had no idea how to help me. He double-checked with me that my account was secure and said there was nothing else he could do for me. I currently can not get into contact with anyone who has the knowledge or understanding on how to resolve my situation other than " Wait for us to call you. '' I spoke with him for XXXX minutes and XXXX seconds. I already have access to my account now but nobody has any idea of the money that was withdrawn via fraud and has no true answer that I'm receiving help or that I've even been helped at all in regards to my funds.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (KY)

I received a call from phone number XXXX. They claimed that I had taken out a loan with XXXX XXXX XXXX. I never have took a loan with anyone. I can't even find the company in question on XXXX. The lady in the phone repeated back my social and was basically accusing me of dodging payment. Said it was check fraud or something and they are taking it serious. I would have to go to court to get it fixed. But that is all the lady would tell me. Wouldn't say how much was owed or anything. I went to my bank and called the lady back. She would not help at all. Said she will not give any information and is not going to tie up the line with my call. To get it fixed in court. I made this call while on speakerphone with the bank XXXX. She only said someone took out a loan and it must be me. I have never taken out a loan. The only thing the bank person could find on my credit report was from XXXX which is XXXX XXXX a car company that scams people into getting cars with high payments that they will never be ble to pay off. I ended up paying more than the car was worth and they claimed I still owed an extra $ XXXX. I said they can have the car back because I am not going topay % XXXX over the actual value of the car and it has mechanical issues. She wouldn't tell me if it was them or not. My bank could not find anything else on my file.
Consumer complaint received 2023-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I am adding a police report to to a previous complaint I made. I am the victim of identity theft and all my accounts at Wells Fargo were affected. All my transactions were rectified except for one. Wells Fargo says I went into the branch in person to withdraw foreign currency but I was not in the country while this happened. I had all my ID 's with me and I did not give consent for anyone to do this. I was also locked out of my accounts online so I could not monitor this at the time. I also provided my flight information to prove I was not in the country. 

the previous claim number is : XXXX I made a police and am attaching it here.
Consumer complaint received 2023-10-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: TD BANK US HOLDING COMPANY (PA)

My home was in foreclosure. I applied for XXXX funds and got the loan reinstated through those funds in the amount of {$39000.00} in XXXX of XXXX. This involved a large amount of work on my part and the part of my attorney to get TD Bank to provide an accurate reinstatement figure to XXXX. We had to file a CFPB complaint just to get that done ( CFPB Complaint # XXXX ). Ultimately, TD Bank did provide a reinstatement figure to XXXX  on XX/XX/XXXX in the amount of {$39000.00}. TD Bank stated in a letter dated XX/XX/XXXX in response to my last CFPB Complaint that this amount brought the loan current. See attached letter dated XX/XX/XXXX. 

Then, immediately afterwards, I started receiving statements telling me that I still owed over {$12000.00}. On XX/XX/XXXX, I called TD Bank after receiving one of those statements, spoke with a representative named XXXX XXXX and she told me that that amount reflected legal fees, appraisal fees, and other fees. I was then transferred to a representative named XXXX who told me that it was unusual to be charged those amounts following a HAF award -- -that the HAF award should have put my account at a XXXX balance. I then asked for a paper statement to reflect a XXXX balance and the current mortgage payment that would become due. I never received that statement and instead received a statement on XX/XX/XXXX, again telling me I owed {$13000.00}. 

I next sent a request for information and notice of error to TD Bank on or by XX/XX/XXXX. I have not yet received a response to that letter, but I would appreciate TD Bank setting my account to current status and removing the {$13000.00} charge, so that I may finally resume making monthly payments.
Consumer complaint received 2023-10-23
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Lien Enforcement Inc (CA)

I was sent a collection letter for a vehicle that was impounded for unknown reason. I told them I sold the vehicle years ago and submitted the bill of sale to the dmv. The actual date i sold and sent the bill of sale to the XXXX department of motor vehicles was XXXX XXXX and they insist i owe them for the storage of this vehicle. This company continues to call my place of employment after being told not to call. I wrote a demand XX/XX/2023 for information letter and they sent just a receipt from the towing company. Date of response XXXX XXXX with no supporting dmv lien documentation. I also sent a cease and desist letter On XXXX XXXX, 2023 that was ignored and they continue to send me collection letters with a treats to take legal action. I then received an additional collection letter date XXXX XXXX with more lclaims of legal action.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XX/XX/year> Personal Information : NAME : XXXX XXXX NAME : XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX  PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX -- XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX EMPLOYER : XXXX XXXX  EMPLOYER : XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-29
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: EQUIFAX, INC. (IL)

Dispute of Unauthorized Inquiry - XXXX XXXX XXXX XXXXXX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX XXXXXXXX This letter formally disputes an inquiry on my credit report from XXXX XXXX XXXX XXXX. I have not authorized this inquiry and believe it to be fraudulent. I request that this unauthorized inquiry be immediately removed from my credit report pursuant to 15 U.S. Code 1681, which addresses identity theft issues. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have two credit card accounts with XXXX XXXX XXXXXXXX. 
I had paid off one early and requested the bank to transfer the payments from the paid-off account to the account with an active balance. 
XXXX XXXX XXXXXXXX failed to do this ; instead, they misapplied the payment of the balance-maintaining account, failed to correct it, and misreported that I had missed a payment or two when in fact I have made regular and timely payments via ACH from an external bank.
Consumer complaint received 2023-10-27
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)

REQUEST FOR REMOVAL AS AUTHORIZED USER OF CREDIT CARD A/C TITLE XXXX, ACCOUNT NO. XXXX I hope this letter finds you well. I am writing to formally request the removal of my status as an authorized user of the Credit Card of Account XXXX. XXXX titled as XXXX XXXX. 

After careful consideration and review of my financial circumstances, I have decided that it is in my best interest to discontinue my status as an authorized user on the aforementioned Credit Card. I greatly appreciate the opportunity that XXXX XXXX  has provided me, and I am grateful for the positive experiences I have had as an authorized user. 

I understand that there may be necessary administrative processes to complete to remove me as an authorized user. I kindly request your assistance in initiating these procedures to ensure a smooth transition.

I am committed to ensuring that this transition is carried out in a seamless manner and would be more than willing to cooperate with any requirements from your end. I recognize that there may be a timeframe required for this request to be processed and implemented, and I appreciate your understanding in this matter.
Consumer complaint received 2023-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CA)

I can not reach Mohela customer service to discuss loan programs available to me. I have been on hold for more than XXXX minutes XXXX times and hung up in frustration. 

Mohela needs address my questions before too long. 

NEED HELP!!!
Consumer complaint received 2024-11-01
Product: Credit reporting 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 am writing to formally request the blocking and deletion of specific accounts and inquiries on my credit report. As a victim of a data breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have all unauthorized items removed immediately. 
Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX