davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-03
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on 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 any item listed on an id theft report. Please find the attached document 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 Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX Balance : {$100.00} ; XXXXXXXX XXXX XXXX Balance : {$120.00} ; XXXX XXXXBalance : {$1600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXBalance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTINGAGENCIES shall block any information in the file of a consumer that the consumer identifies asinformation that resulted from alleged identity theft, not later than 4 business days after the date ofreceipt.
Consumer complaint received 2023-02-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (NY)

Chase XXXX put XXXX on hold and then XXXX and then another XXXX then XXXX and I called to find out why and they said I was sued by a debt collector and I called a debt collector and they told me that the debt was from XXXX and they also told me that that was from XXXX and I dont owe them anything I dont know what they are talking about the lawyer secretary said I have to prove to them that I dont owe the debt and I told her she has to prove to me that I owe them the debt they said they was going to send something but still have not and still holding my money they said the debt was XXXX and then one time they say XXXX. I dont know what they talking about. I have the time and date of the conversations we spoke. I need some help.
Consumer complaint received 2023-02-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I have asked EXPERIAN repeatedly for a date when the negative account XXXXXXXX XXXX XXXX is dropping off my credit file and they have not been able to give me a straight answer as mandated by the FCRA. I have a right to know when negative items are dropping off my credit report and to have the information reported correctly or it must be removed. I know it should be this year but they are reporting inaccurate information by not listing the removal date on my credit report ( please see attachment ). I ask that they either disclose the exact date the account is being removed from my credit file - and place it on my credit report or remove it immediately for being incorrect and incomplete.
Consumer complaint received 2023-02-02
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: Experian Information Solutions Inc. (CA)

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 XXXX XXXX XXXX. 

XXXX collections account # XXXX XXXX collections account # XXXX XXXX collections account # XXXX XXXX collections account # XXXX 15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 atendates the report by more than 7 years 15 USC 1681s-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 2023-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my second attempt to get credit agencies to comply before legal action is taken for violation of my consumer rights. I will be seeking {$1000.00} in damges per violation. 

In accordance with the Fair Credit Reporting act. The List of closed accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. 1681s-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 2023-02-02
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE (FL)

I received a check from a woman named XXXX XXXX. She sent the check through the mail. The check was sent for me to walk her dog and also send money to a person for a refrigerator. The check was for {$2400.00} and once it was put into my checking account at Huntington Bank I used XXXX to send {$1500.00} for the refrigerator. The check than bounced and now my account is negative. 
I put the check into my checking account on XX/XX/XXXX and used XXXX to send the {$1500.00} on XX/XX/XXXX.
Consumer complaint received 2023-02-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

On XXXX XXXX XXXX my account was permanently limited by Paypal, the reason given was " due to potential risk. '' XX/XX/XXXX at XXXX, I sent a message through Paypal 's official XXXX page. After going through the automated chat system, the XXXX XXXX stated, " I've placed your message into the queue and an agent will respond back as soon as possible! '' Never heard a response from an agent, as of XX/XX/2023. 
XXXX XXXX XXXX XXXX, I XXXX and sent a direct message to XXXX XXXXPayPal 's XXXX account. I was able to chat with an agent, given the initials XXXX, but when I asked why my account was permanently limited, I was just told to refer to my original notification that it was permanently limited " due to potential risk. '' I was not told what the potential risk was and that the permanent limitation was something they " would be unable to change, '' and I would be able to withdraw my account funds after 180 days.
Consumer complaint received 2023-02-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

I took out a mortgage with Wells Fargo on XX/XX/XXXX under loan # XXXX. Things went well until i experienced some financial hardship sometime in XXXX whereby I defaulted on my Mortgage and Since I was employed at the time I contacted Wells Fargo to request modification services to enable me put back my loan on track and make my loan status current. Rather than receive cooperation and assistance as a consumer from the Wells Fargo mediation team I did not receive any call backs or any acknowledgement of the hardship filing documents I was asked to complete on every occasion. Each time I called to follow up on the hardship form with supporting documentation as requested either by a provided fax number or regular postal mail I was always told to send a new hardship form each time as the previous one sent was never received .For over 2 years I had to send the same documents over and over again to the mediation team with no one calling back to acknowledge receipt of same.. As a result of the lackadaisical attitude by Wells Fargo and their failure to provide adequate and timely disclosure information to help facilitate the Modification process I was at the point of losing my house to the foreclosure process until the Judge during one of the hearings referred the parties to a mediation conference sometime in XX/XX/XXXX which helped facilitate a modification agreement. 
The modification agreement was eventually forwarded to me electronically at the direction of the court for execution but however the terms and content of the agreement was never discussed or reviewed with me. I was only advised to sign and return the documents. A few years after the agreement was signed I received another letter that my loan will no longer be serviced by Wells Fargo as it has been involuntarily transferred to a servicing company XXXX XXXX with the details and terms of the new agreement with no explanation. 
At a later date I realized that the modification agreement I signed actually extended the maturity date of my loan for another 20 years from XXXX to XXXX. 
Finally, the following financial expenses were added to the loan thus increasing the principal sum of the loan drastically.. 
The sum of XXXX interest was capitalized The sum of {$12000.00} escrow advance was capitalized The sum of {$2.00} listed as recoverable expenses added The sum of {$680.00} listed as recording tax paid. 
I have reached out to the Wells Fargo mediation team and notified them of my claim and have been informed that the request will be reviewed and a response obtained by XXXX.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I sent you a letter last XX/XX/2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Dating back to XX/XX/XXXX is when this matter was first disputed. Now being XX/XX/XXXX matter still not resolved. Transunion, XXXX and XXXX are all reporting a bankruptcy on my consumer credit report. They have all put in the data furnisher as being the XXXX XXXX XXXX XXXX XXXX which is FALSE. I have attached a letter from the XXXX XXXX XXXX XXXX XXXX verifying and stating that they do not furnish information over to the credit bureaus or any credit monitoring service nor do they verify, validate any information concerning bankruptcies or any court proceedings. Transunion, XXXX and XXXX are falsely stating this information on my consumer credit report and have yet to remove this item after several disputes.
Consumer complaint received 2023-02-02
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BARCLAYS BANK DELAWARE (DC)

On XX/XX/2022 I sent Barclays a letter requesting debt validation pursuant of to the Fair Debt Collection Practices Act, 15 USC 1692g stating their claim that I owed an alleged debt was disputed and validation is requested. I respectfully requested their offices provide me with competent evidence that I have any legal obligation to pay you. At that time time, I also informed them that if their offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact if any negative mark was found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. As you can see in the attachments, Barclays reported negative information to the consumer bureau 's without validating the alleged debt they have in my name. I also provided to them an invoice to pay for the 7 violations of 15 USC 1692 that Barclays has committed in the process of defaming my character. 

P.S. 

The following attachment is the notarized Affidavit of Truth I sent as well as a Debt Validation Letter, Cease and Desist and finally and invoice for the violations committed. The last page will show a return mailing receipt signed as evidence that they received these documents over 30 days ago and have failed to respond.
Consumer complaint received 2017-09-06
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (IN)

XXXX XXXX XXXX Came to my house for my boyfriend. When they could n't get a hold of him, they knocked on my neighbors door and told them while we were gone, also asking my neighbor questions about his location and how they could contact him. This put my children 's housing at risk as I am XXXX, on a fixed income and do not need neighbors complaining on me for a debt that is not even mine to my landlord. The lady 's name is XXXX XXXX, from XXXX XXXX XXXX in New York. Reference # XXXX. I called them and chewed them out. I asked them to not come back or I would call the police. I also asked them if I needed to send them anything in writing and she said No. I understand debt collectors coming to one 's house ( I think it is disgusting, but I know it is " legal '' ), with that said, They involved my neighbors and put my housing and that of my children at risk ... I want them to stop. I did not give them any information on XXXX XXXX and would n't dream of doing that under any circumstances since they are NOT law enforcement. This happened between XX/XX/XXXX am on XXXX17.
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (MN)

Thursday XX/XX/23 I received an email from Chime stating all three of accounts were being closed immediately. My checking, savings and credit accounts. This is after my paycheck ws deposited. I called the number provided and was told they could not help me because it was a decision from XXXX. They also could not provide me with a phone number. I was told they only do email correspondence. So I have been doing that, but no one has been able to provide me with the reason my accounts were closed and now I must wait 30 days to get my money mailed to me in a check form. I also have no way of knowing what my balances are since I can not get into the system. 
The last email I sent was at XXXX XXXX and has gone unanswered. 
I have been banking with Chime for years and only had one other minor hiccup that they fixed immediately. This though is unexcusable. I work for a government agency and my direct deposits come from that so I do not know how something like this can happen.
Consumer complaint received 2023-02-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Citizens Bank XXXX XXXX XXXX, PA and their attorney has refused to provide information to resolve issues of payment of mortgage and has more then doubled amount owed. They have refused to respond to calls, emails to resolve. I have had the catch up money and they have refused to provide amount of money owed, justification, or accept funds to bring mortgage current and carried this out to double the funds owed on the amount. They are scamming people for financial gain and additionally lying about their practices and what they have done and stated. Need help asap. Thank you. They have avoided and refused to take payment and have lied the entire way through. Contacted an attorney to assist. His was response was that he has hundreds of this situation and the bank does not want the money, they want the house because they feels its worth more than what is owed on the home. Each bank department puts you on hold and transfers you to other departments, which no one has an answer to the case or why no one had a number to bring the mortgage current. They decided to hire an attorney instead and refused to speak to their customer. The attorney is a debt collector who additionally refused to work with customer. I have offered the {$5800.00} to cure the account, bring it current and adding autopay here out, and they refused the money. They are scam artists and are robbing their customers. This includes the bank and their hired attorney.
Consumer complaint received 2023-02-02
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. (TX)

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. 
XXXX : # XXXXXXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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. 1681s-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 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

I am writing to notify you of inaccuracies in your reporting concerning my account. According to the Fair Credit Reporting Act ( FCRA ), you, as the furnisher of information, are legally obligated to ensure the accuracy of the data you report. 

Account # XXXX Upon reviewing my credit report, The following errors have been identified : Account Name : XXXX High Balance : {$920.00} Date Opened : XX/XX/XXXX Balance Owed : {$250.00} ( as of the most recent reporting dates ) Account Status : Charged off as bad debt Dates Reported : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX I noticed that the account mentioned above is being inaccurately reported as both a charge-off and a collection account. As per my understanding, once a debt is charged off, it is considered canceled, and a Form 1099-C must be issued as evidence of this cancellation. Therefore, the debt should either reflect as canceled, or the current balance displayed on my credit report should be corrected. 

This inaccurate reporting violates the FCRA. I demand an immediate investigation into this issue, and I expect the necessary corrections to be made promptly.
Consumer complaint received 2023-02-02
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 — Was not notified of investigation status or results
Company: DISCOVER BANK (NJ)

I see a lot of account and inquiries on my XXXX credit report I got off a call with XXXX  XXXX  XXXX  and they recommended to file this complaint here