davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (LA)

I am unable to get an annual credit report from Equifax or from my online Equifax report account .When I call Equifax , they tell me they can't verify my info even though I have given them my social, name, dob and told them current credit cards, monthly payment amount loan balance amount and with who. I want the possible fraud alert removed when creditors try to access my report, I have tried in the last few years to fax in the request along with my DL and social security card they still refuse to take this off my credit report. I have been denied credit because of this. in XX/XX/XXXX my XXXX XXXX XXXX ran a report and was denied access XXXX XX/XX/XXXX, world finance tried to pull my report and was told possible fraud and was denied access to my report. Same thing in XX/XX/XXXX and XXXXEquifax has merged my credit report with a lady name XXXX XXXX. Email is attached as proof from EMAIL. 
Dear XXXX XXXX, As a reminder, we've completed your Equifax credit file dispute, and you can view your results online. Your dispute results will remain online for 16 days. You may not be able to access your results online after XX/XX/XXXX. XXXX XXXX  XXXXXXXX XXXX - Reminder : Your Equifax Credit File Dispute is Complete about : blank. 
Your Equifax credit report dispute confirmation number is XXXX Please correct and release my credit report to XXXX and XXXX XXXX ASAP and fix my credit report errors.
Consumer complaint received 2023-06-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (OR)

On XX/XX/XXXX I received a phone call from XXXX XXXX XXXX saying that I owed $ XXXX dollars on a bank account I closed in XXXX. They threatened to sue me and to destroy my credit if I did not pay them, even though the statue of limitations had passed by over 7 years. They lied and said that this was " not on ( my ) credit report because they haven't sued yet, and the statue of limitations is not for FDIC backed bank account is unlimited '', all of which is total lies. I begrudgingly and out of fear, payed about {$3800.00} to " settle the debt ''. I contacted a lawyer and was advised that their tactics and what they told me is illegal and a complete lie and to refund my money back. I called XXXX and they refunded my money, but not before giving me the same set of lies to coerce me into paying a debt I no longer owed. Finally, on XX/XX/XXXX, I called and they reversed my payment withoute having to contact the bank, but it seemed they feared that I was going to mess up the operation so they gave my money back. Overall, though I was refunded, XXXX 's use of illegal tactics to coerce people to comply with their bogus " debts '' is unethical and against FTC regulations. They can not illegally threaten to sue you when they know it is not possible, they can not threaten your credit rating as a means of intimidation, and they can not misrepresent the law to coerce you to pay.
Consumer complaint received 2023-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (GA)

( Claim # XXXX ) This notice is to inform Truist Bank that you unlawfully verified fraudulent activity as authorized transactions by the consumer - which arose from IDENTITY THEFT that you did not verify as required by law. 

12 CFR Part 1005 - Electronic Fund Transfers ( Regulation E ) XXXX Liability of consumer for unauthorized transfers : ( b ) Limitations on amount of liability. A consumer 's liability for an unauthorized electronic fund transfer or a series of related unauthorized transfers shall be determined as follows : Official interpretation of 6 ( b ) Limitations on Amount of Liability 1. Application of liability provisions. There are three possible tiers of consumer liability for unauthorized EFTs depending on the situation. A consumer may be liable for : ( 1 ) up to {$50.00} ; ( 2 ) up to {$500.00} ; or ( 3 ) an unlimited amount depending on when the unauthorized EFT occurs. More than one tier may apply to a given situation because each corresponds to a different ( sometimes overlapping ) time period or set of conditions. 



2. Consumer negligence. Negligence by the consumer can not be used as the basis for imposing greater liability than is permissible under Regulation E. Thus, consumer behavior that may constitute negligence under state law, such as writing the PIN on a debit card or on a piece of paper kept with the card, does not affect the consumer 's liability for unauthorized transfers. ( However, refer to comment 2 ( m ) -2 regarding termination of the authority of given by the consumer to another person. ) 3. Limits on liability. The extent of the consumer 's liability is determined solely by the consumer 's promptness in reporting the loss or theft of an access device. Similarly, no agreement between the consumer and an institution may impose greater liability on the consumer for an unauthorized transfer than the limits provided in Regulation E. 



See interpretation of 6 ( b ) Limitations on Amount of XXXX in XXXX I
Consumer complaint received 2023-06-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2023, an unauthorized person withdrew money from an atm in XXXX, CA. Wells Fargo denied my fraud claim by stating that a pin was used, therefore it was me or someone I authorized. This is not the case.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XXXX XXXX, I began the process of working with a mortgage lender to purchase a new home. The loan officer told me that it was coming back as a foreclosure within the last 7 years when he ran my information through XXXX XXXX. I told him I never purchased a home before so I do not know what that is. On Monday, XX/XX/2023, the loan officer called me back and said XXXX XXXX told him it was XXXX account is causing foreclosure to trigger and it is ONLY TransUnion reporting the inaccuracy. The other 2 bureaus are reporting it correct as a installment account credit builder. When I contacted TransUnion, they told me they could not correct the account type on their end because the account is closed.
Consumer complaint received 2023-06-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (MN)

Wells fargo bank placed XXXX insurance on my truck then applied it to the loan and charged me interest on top of insurance I had zero need for. When I called they told that it was insurance that was required but it raised my payment more than I could afford. They repossessed my truck and never sent a letter about a auction. By there own admission when trying to get a fair settlement from them they sold the loan to a overseas company and never sold the truck. They shorted me so bad on this it is wrong. I waited XXXX plus years to get XXXX out of XXXX that they owed me. Thats again making me a victim and there laughing.
Consumer complaint received 2023-06-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (MI)

I'd been living in this home for over 18 years. I had some financial issues and got a call about how they could reduce my payment. And within a few days, my mortgage was lowered. I never signed anything and didn't know the full extent of how and what they did. I've been paying on time and even began paying more on principal. I was told there is no escrow, which I don't fully understand. I've been paying for 18 years. I purchased the home for {$510000.00}, and I still owe {$480000.00} as of today. For the past year, I've felt that I'm being taken advantage of and even discussed that I will be paying over {$100.00} for this property over their contract. Last week my payment went from {$350.00} to {$820.00}! There was no explanation, just a bill for that amount. I called the mortgage company because I thought it was a mistake. They informed me that my escrow wasn't paid. I'm flummoxed, and now they want to offer an extension on the escrow account.I can not afford this amount, and the property isn't worth that amount. This is a predatory loan, and I do not know what to do next. This is the 4th mortgage company that holds my account.
Consumer complaint received 2023-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (NY)

On XXXX, I locked my card because I did not want anyone to use it. I kept the card locked and ordered a new card. I received the new card in the mail and wasn't able to activate it. I called customer service and they said my account was frozen ( XXXX ) XXXX and ( XXXX ) XXXX. It has been over 7 days and they still won't let me activate my funds. I need my money to eat immediately. If I can't activate the card that they gave me, they should reissue a working card. This is an emergency that I have access to my funds.If they have no available debit cards, they should expedite an issue me a Check for the remaining balance {$370.00}
Consumer complaint received 2024-08-12
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: Experian Information Solutions Inc. (NV)

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : Account Number : XXXX XXXX XXXX Date of Charge Off : XX/XX/year> Amount : {$17000.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Consumer complaint received 2023-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NC)

Dear CFPB : LoanCare LLC sold our loan ( number XXXX ) for our home located at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX to another loan company, XXXX XXXX, in XXXX. 

We are due a {$4000.00} escrow refund check, which we've yet to receive, and is now 3 years late. 

On XX/XX/XXXX, I received a letter from LoanCare ( see attached ) stating " We issued you check number XXXX for your mortgage loan in the amount of {$4000.00} on XX/XX/XXXX. Refunds are usually due to excess funds in the escrow account. As of XX/XX/XXXX, our records indicate that this check has not been cashed. '' This letter sent to me dated XX/XX/XXXX arrived at our new address in XXXX XXXX, so LoanCare clearly knows where to find us. It included directions about filling out the form ( which I've attached ) and mailing it to a po box . I did this immediately. We received no response. 

I followed up with LoanCare on XX/XX/XXXX. They claim to have no record of our mailed written response. They told me to email the form to XXXX. I did this on XX/XX/XXXX. I received an automatic reply ( attached ) that I would receive a response in 4-5 business days. I received no reply.

Today I called again, and the Loancare representative said that this email address does not exist. She also said that there is no phone number for me to call in order to speak directly with any division. She suggested that I send a fax. I do not own a fax machine.

I see hundreds of complaints about this EXACT same issue : XXXX XXXX XXXX I have no proof that LoanCare mailed the original check. USPS sends me photos of all forthcoming mail. We resided at our former address XXXX XXXX XXXX XXXX XXXX XXXX ( where LoanCare claims to have sent a check ) until XX/XX/XXXX. Our mailbox was a locked device only accessible by us and the post office. We never received a check from LoanCare. 

As my phone records and emails prove, I contacted Loancare numerous times in XXXX about our escrow refund. LoanCare representatives insisted that they did not owe me any refund, and never mentioned issuing this check. 

LoanCare is clearly not working in good faith to resolve this in any manner. 

Please help me resolve this. 

My desired outcome is that someone from LoanCare contacts me and also immediately issues my three-year-late escrow refund check for {$4000.00} and sends this check to me immediately at : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone : XXXX email : XXXX XXXX
Consumer complaint received 2023-06-15
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. (SC)

This is my 3rd request that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2021, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$2400.00}, XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2023-06-15
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. (NY)

In accordance the Fair Credit Reporting Act ( XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # 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 an account without my written instructions.
Consumer complaint received 2023-05-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent a request to XXXX, Transunion and XXXX to remove inaccurate addresses and names on my credit report and I included my 2 forms of identification to verify my identity and that I was the one initiating the dispute and every time Transunion and XXXX replies saying provide verification documents and I do and they just send the same automated respond. XXXX does not reply at all. It has been longer then 30 days for all 3 requests and nothing has happened.
Consumer complaint received 2023-06-15
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX and 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 an account without my written instructions.
Consumer complaint received 2023-06-15
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX and 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 an account without my written instructions.
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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. XXXXXXXX XXXX Account # XXXX, XXXX XXXX  # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, have violated my rights. 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 an account without my written instructions 15 USC 1681c. ( a ) ( 4 ) Section states Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer ; or ( 7 ) With respect to a consumer reporting agency described in section 1681a ( p ) of this title, any information related to a veterans medical debt if the date on which the hospital care, medical services, or extended care services was rendered relating to the debt antedates the report by less than 1 year if the consumer reporting agency has actual knowledge that the information is related to a veterans medical debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act.
Consumer complaint received 2023-06-15
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: CORELOGIC INC (NV)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I AM A NATURAL PERSON. This dispute is not being made by a third party I am physically submitting this dispute as a real person. 

I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-06-15
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. (AZ)

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts 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 items : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2018 XXXX XXXX Balance : {$770.00} XXXX XXXXXXXX Balance : {$690.00} XXXX XXXX Balance : {$750.00} XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2018 XXXXXXXX XXXX XXXX Balance : {$750.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : $ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX.
Consumer complaint received 2023-03-26
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. (GA)

I notice that my credit report had several errors reporting to my credit report on all 3 bueraus so i reached out to each one on XXXX XXXX with some certifed letter requesting the information to be removed and letters to be sent out to me with proof that i open these accounts with my signatures and only XXXX complied and deleted all the accounts that were listing closed with balance.I also requested the same to be done by the transunion and XXXX and they both have yet sent over the requested documents showing anything of sort as of XX/XX/XXXX and all the following accounts are still reporting negative to my credit reports.The following accounts are as follows : XXXX XXXX XXXX XXXX reported XXXX XXXX with a bal of XXXX, XXXX XXXX XXXXXXXX XXXX with a bal of XXXX, XXXX XXXXXXXX XXXX with a bal of XXXXXXXX XXXX XXXX XXXX reported XXXX XXXX with a bal of XXXX, XXXX XXXX reported XX/XX/XXXX, XXXX with a balance of XXXX, XXXX XXXXXX/XX/XXXX with a bal of XXXX, XXXX XXXX  on XXXX XXXX and bal reported XXXX, XXXX XXXX reported XX/XX/XXXX bal is showing XXXX, XXXX reported on XXXX XXXX and reporting XXXX XXXX The XXXX XXXX XXXX ret last reported on XXXX XXXX bal XXXX XXXX XXXX XXXX  last reported XXXX XXXX bal XXXXPlease remove all negative information due to it inaccurate information.
Consumer complaint received 2023-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/23 I attempted to see what balance transfer Chase was willing to take so I could pay off my balance over the next year. I asked for {$13000.00}, but Chase was only willing to open an account for {$4000.00}. I then at that point did not authorize Chase to continue with account opening or any balance transfer. I ended up going to another company for the balance transfer that I was requesting. On XX/XX/23, I was made aware that the card was opened and the balance transfer commenced without my consent. I received a text message from Chase where I responded that I did not authorize any transfer. I then tried to contact Chase and was bounced back-and-forth with 7 customer service reps all over the globe over the span of 2 hours. Once I finally was to a representative that knew their own policies, they let me know that the group that I need to speak with closed an hour before. This was only an inquiry that I made online through my bank, well old bank now, and I never authorized any account opening. I have lost all trust with them. XXXX XXXX XXXX? The only information that I have is the last 4 digits that they used when they decided to open an account.