davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-04
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-03
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (NY)

I was sent an Amazon store card to which I did not apply for it. When I called I found out the bill is up to {$230.00}. 

I appear to be the victim of identity theft. I had personal information that this company appear to know about.
Consumer complaint received 2024-02-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (NY)

I recently lost both of my parents. XXXX passed XXXX, mom XX/XX/XXXX. I was left with a XXXX  brother. When my mom passed her accounts were frozen and we got behind 4 months. My brother and I are on the deed not the mortgage. He has lived in this home since birth. he is now XXXX. We originally had a loan with XXXX. I contacted them in XXXX of XXXX and explained the situation. I sent over both death certificates and became successor of interest. They granted me a modification, lowering the monthly payment to XXXX and starting payments XX/XX/XXXX. The terms of the modification were to pay 3 months on time and they would honor the modification for the remainder of the loan. We made all the payments. XXXX was sold to Mr. Cooper. When I received the letter from Mr. Cooper and continued making payments, nothing was mentioned about the modification. We kept making payments. In XXXX i noticed that the full amount we were behind was past due and we were told we had until XX/XX/XXXX to pay {XXXX  or foreclosure would begin. They applied all current payments to the back 4 months the modification was issued for and told me that the modification was denied. They claimed to have never gotten my mothers death certificate. They were all faxed over to mr cooper with the modifcation documents that XXXX  issued us. Now our payment is {XXXX and we have a very limited number of time to get caught up. we need some time to get back on track, My brother will have no where to live. I have contacted HUD for help
Consumer complaint received 2024-02-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Approve Holdings, Inc (LA)

The issue provided does not actually describe my issue. I used Auto Approve in XXXX of XXXX. I refinanced with them. XXXX XXXX XXXX purchased the loan. I then heard nothing from Auto Approve until XXXX of XXXX, at which time they began bombarding me with requests to send them updated copies of my drivers ' license and insurance for " title perfection. '' I have told them multiple times now that XXXX XXXX XXXX states there's nothing wrong with the title. They keep harassing me. They call me with both listed and spoofed numbers, text messages, emails, and traditional mail. I've told them both in writing and over the phone to cease and desist. Today, for example, I yelled at the representative to stop calling. I hung up. She immediately tried calling me back. I had to block that number, as I've had to do in the past. My title is fine. The bank through which I make my payments has assured me of such. I've made 14 payments to them. There's no reason to share additional PMI with Auto Approve.
Consumer complaint received 2024-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY ()

I asked Wells Fargo bank to send me the statements of a checking account I had with them from XXXX thru XXXX. The account was opened in the XXXX XXXX branch of the Bank. 
The bank said that as they can't verify that its me who is asking for the information over the phone I have to personally go to a branch and ask for it. 
I am now living in XXXX and can't go to the US. 
I asked them to send it to the email or phone number asociated to the account but said they couldn't because the system did not allow them to do so.
Consumer complaint received 2024-02-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

The balance on my USAA credit card account due on XX/XX/XXXX was {$1600.00}. A pay-ment of {$100.00} to a storage facility was added, so I imagine my balance was then {$1700.00}. I mailed a payment of {$1000.00} on XX/XX/XXXX, and it was credited to my account XX/XX/XXXX, leaving me with a balance of {$760.00}. I recently received my XXXX state- ment and noticed a rather high interest charge. Upon checking the next page I found that they had charged me interest on a balance of {$1400.00}. Beyond the storage payment there are no other charges on this account, so I called to find out why I was charged interest on an amount almost twice my actual balance. The XXXX person that I spoke with just kept telling me that it was because my bill was not paid in full, and then became angry when I would not accept that explanation. I finally hung up and decided to try FTC, and was rerouted to your site. Can someone please give me a more reasonable expla-nation of how a credit card company can legally charge interest on amounts well over a person 's actual balance. Thank you in advance for your time and consideration.
Consumer complaint received 2023-07-04
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)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX XXXX XXXX LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$18000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan Payment summary XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX ND XXXX XXXX XXXX XXXX ND XXXX XXXX XXXX XXXX XXXX XXXX XXXX ND XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX - XXXX PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance {$18000.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms XXXX Months Company sold - Original creditor - Comments Account previously in dispute - investigation complete, reported by data furnisher Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Address po box XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-07-04
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)

According to 15 U.S.C. 1681 ( A ) I have the right to 100 % accuracy on my credit report.

Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

XXXX XXXX  account # XXXX reported inaccurate information on my credit report, I HIGHLIGHTED all inaccurate information on the report. 

15 U.S Code 1681 s- 2 - responsibilities of furnishers of information to consumer reporting agencies section ( 1 ) ( a ) states : A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASON TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Consumer complaint received 2024-02-02
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Thaxton Investment Corporation (SC)

I received a copy of my credit report and found some mistakes that are incorrectly reporting on my credit report. I received my credit report, and it stated that I opened an account with XXXX XXXX XXXX on XX/XX/XXXX. I never opened and account on that date. I never signed a contractual agreement with XXXX XXXX XXXX for {$490.00}. It's showing up as delinquent on my credit report for creditor : Quick Credit. 

I called Quick Credit parent company Heights Finance on XX/XX/XXXX who shared with me that my account was recalled back to them on XXXX. In which XXXX XXXX XXXX and Quick Credit never notified me of anything.
Consumer complaint received 2023-07-05
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 (NY)

17. The inquiry was not authorized US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following information is outdated. I would like it removed from my credit history report XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following information is outdated. I would like it removed from my credit history report CAPITAL ONE Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. This is a duplicate account XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-07-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (GA)

In written reply from Midland Credit Management were documents from both XXXX XXXX and XXXX. In XXXX document that claimed they couldn't verify the Police Report number given to me by XXXX XXXX Police Officer that came directly to my apartment door when he gave me the Report number. XXXX stated prior to CFPB complaint they had no prior response from me. Submitted with this complaint are copies of emails from XXXX verifying they received contact for me about the fact I didn't get my order. I still don't have it, nor have I requested a replacement. I had also submitted a complaint in 2020 to Antitrust Dept. of Justice XXXX XXXX XXXX, XXXX Washington XXXX DC XXXX XXXX : XXXX XXXX
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. 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  XXXX XX/XX/XXXX {$65.00} XXXX XXXX XX/XX/XXXX {$1000.00} XXXX  XXXX XX/XX/XXXX {$570.00} XXXX XXXX XXXX XX/XX/XXXX {$230.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXX {$140.00} XXXX  XXXX XX/XX/XXXX {$38.00} 15 USC 1681 Section 602 A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven 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 has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-28
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: WELLS FARGO & COMPANY (CA)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the account that must corrected. 
WELLS FARGO XXXX XXXX XXXX : {$6000.00}.
Consumer complaint received 2023-07-05
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. (WV)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These negative items are affecting my credit report badly and is hindering me from exploring future credit opportunities. Please delete or remove these items on my behalf. 
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.
Consumer complaint received 2023-07-04
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. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MoneyLion Inc. (SC)

Moneylion still has me owing them when I have shown them documents from a statement that I paid them and they sent me an email thanking me for the payment if anything I could possibly owe them XXXX dollars but that's all if I owe them that much because their instant-XXXX XXXX will not all allow you to buy borrow back to back without the customer paying off the amount they credited them and it will only let you borrow XXXX dollars at a time...
Consumer complaint received 2023-07-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I found out that a suspicious transaction has occurred in my XXXX credit card related to XXXX. I searched XXXX XXXX XXXX on the internet and there were XXXX phone number to call. I called XXXX of them and explained the issue. He ( the operator ) told me that " you are hacked, and you have to verify your data with our server first. He asked me to download " XXXX '' app on my phone and I did. So he monitored all the activities happened in my phone. He guided me to XXXX and ask me to go to the " identity information '' to complete my personal information and after that transfer money through XXXX to verify my account on their server. I entered my full name, mail and email address, and XXXX ( Not sure full or last XXXX digits ) and he was monitoring my phone all over those activities. After that he guided me to " transfer section '' in XXXX and asked me to send {$490.00} to his XXXX account. At this time I suspected him and hung up the phone. His company number was XXXX XXXX XXXX and his personal number was XXXX XXXX XXXX. After that he called me again and texted me but I ignored him. At the scenario I am afraid of leaking my sensitive information. 
The second scenario happened after the first one. Again I grab a number from internet and called that. A person responded and said " XXXX XXXX, how may I help you '', the same as the first call. I explained my issue to him and he mentioned the same things as the first call. He monitored all of my activities by " XXXX '' application, he asked me to go to XXXX and XXXX  to find the problem. He said we have to solve the problem by veerifying you at the first. He guided me to my Citizens ' mobile banking, and I did transfer {$2000.00} for someone who has mentioned that is his XXXX ( XXXX XXXX XXXX at XXXX ). His company number was XXXX XXXX XXXX and his personal number was XXXX XXXX XXXX. Unfortunately, I did transfer the money and after XXXX hour and chat with XXXX  I found out that it has been definitely a scam! I called my bank and reported a claim with the claim number of " XXXX ''. 
At the second case I am not only afraid of leaking my sensitive data, but also loosing {$2000.00}. I made a police report at XXXX station as well with report number of " XXXX ''. 
Again yesterday the second scam texted me and mentioned " please do not worry I am back in office and will call you now in XXXX minutes '', but he did not call me. Additionally, yesterday I received an scam email from XXXX with the title of " XXXX alert has been detected on your account '', log in to see more information. And it was a link to click on. I am not sure that I clicked on the link but I think it has been resulted from leakage of my sensitive information.
Consumer complaint received 2024-08-30
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. (GA)

Dear XXXX : This is a Self-Attestation that I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
These fraudulent accounts consist of a Auto loan account opened XXXX XXXX XXXX XXXX XX/XX/XXXX, another auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, as well as personal loan account opened at XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. An personal loan opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX an personal loan with XXXX XXXX XXXX XXXX 
XXXX XX/XX/XXXX Collection Account XXXX XX/XX/XXXX Collection Account XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: WSFS FINANCIAL CORPORATION (IL)

On XX/XX/XXXX, I received a notice from my credit monitoring software that my score had gone down from the XXXX range to XXXX range. Upon investigation, I found that WSFS Bank reported to all three credit bureaus that our XX/XX/XXXX payment was over 30 days late, when according to their own website ( attached ), and confirmation email ( attached ), the payment was confirmed on XX/XX/XXXX. After a brief discussion with officials at WSFS Bank, I decided to simply file a dispute with all three credit bureaus. After a week or so, all 3 credit bureaus reported the WSFS records were " accurate '' ( according to WSFS ), even though I attached the same confirmation documents as I am attaching here. The bureaus said their " hands are tied '', so I went back to WSFS and spoke with a " Manager '' name XXXX. She confirmed that the transaction was completed on XX/XX/XXXX, but informed me that the bank would not adjust the payment date according to the actual confirmation date because " they don't process payments on the weekend ''. We are at the mercy of their processing, if you make a payment at the end of the month, and basically they will report you past 30 days to the credit bureaus even though 30 calendar days has not past. Under FCRA, " if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. '' Obviously, this bank does not care that their own internal policies are not only creating conflicting/inaccurate information, but also unfair, and goes against the very nature of the FCRA to protect consumers from banks and the bureaus doing whatever they want.