davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I received a text from my bank Wells Fargo that they detected fraud. I immediately called the number provided and canceled my debit card and filed a claim. I checked and I had my debit card in hand with me. Four purchases were made. Two purchases at XXXX in the amount of {$320.00} and {$280.00}. Two purchases at XXXX XXXX in the amount of {$270.00} and {$36.00}. It turns out my debit card was about to expire and the replacement card was mailed out days prior to this incident. My replacement debit card was stolen in the mail and I never received it. On XX/XX/XXXX I filed a police report with my local police department. I went to these stores and obtained receipts of these purchases and staples was paid with my debit card but used as credit. XXXX XXXX they bypassed the pin and it says it on the receipts. The person that made these purchases also used his membership. His name is listed on the receipt and was given to the police. Wells Fargo still doesnt want to help me. I work hard for my money and Wells Fargo should protect these kind of incidents. Its not fair they say that were insured but my money can just be taken away in minutes.
Consumer complaint received 2016-01-25
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (MN)

We have had this auto loan with Chase Auto Finance since XXXX and have always made our monthly payments. In XXXX of 2015 our financial situation changed and we needed to sell the vehicle. We listed the vehicle on XXXX and found a buyer for the vehicle. The buyers wanted to wire the funds directly to Chase as the buyer was in another state. I contacted Chase for the official payoff amount ( which is what the buyer paid ) and to get the wire transfer information from them. I was notified by the buyer when the funds were delivered and then I called Chase to see if the loan was satisfied and the funds posted. It took a few business days for Chase to be able to tell me the loan was satisfied. When I was told by Chase the loan was satisfied and the vehicle was delivered with a bill of sale. I was then sent in the mail a lien release signed by Chase and notarized receiving it the next week along with a check for the overpayment. I did not hear anything from Chase until they called me three weeks later to tell me my last loan payment was not received 9 days ago. I told them I sold the vehicle and it was delivered after they told me the loan was satisfied. I also told them I had a lien release. They tell me the day after the lien release was completed the funds were reversed from the account so I am now responsible. They would not at first give me the information listed on the " check '' they say they received for the payment, but they finally did after arguing with the customer service person. Of course the buyer a dealer is not answering the phone. But why did Chase state the loan was satisfied before it was and if it was official, why did they allow the reversal of the payment? I feel and many others I have talked to feel that this is their responsibility. They release the lien and have not provided me with any written notice of anything different to date.
Consumer complaint received 2015-06-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (RI)

Every month since Nationstar was assigned our mortgage we have been harrassed by phone calls stating that we are 2 months in-arrears. When we assigned I made a call to nationstar stating that my husband is on XXXX and gets paid the XX/XX/XXXX, They told me that it was n't a problem because we have 10 day from the due date to pay. We are on automatic payment so it is sent the XXXX of every month, which is in the 10 day window. Since this has been going on for XXXX years and we repeatedly explain this to them monthly. We receive XXXX to XXXX calls a day from the XXXX of the month to the XXXX. We have proven to them that we are not in arrears with copies of our payments. Now we have not been late in the 20 years of paying our mortgage, and only having 18 months left. We like to know our rights and how to stop the madness.
Consumer complaint received 2024-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I was offered a XXXX XXXX  promotion through Bank of Americas banking app. I accepted it and followed the prompts in app to select and agree requesting {$3500.00}. This was in XXXX XXXX. I am not certain of the day as I dont recall. The bank stated it was the XXXX of XXXX XXXX so I will take them at their word. I reviewed my finances today and discovered I was being charged interest and there was no promotion showing. I called to inquire and they are stating the promotion ended on the XXXX of XX/XX/scrub>XXXX XXXX. However, even if this was done on the XXXX the offer was still extended to me and available in my banking app. As mentioned I took no notice of the date as the offer was shown in app. I went through the process selecting cash advance, entering the amount and agreeing to the XXXX XXXX for XXXX months. The bank is not honoring it now stating it was not available. Im being told they dont see this in the system and can not verify my actions through the information they have available.
Consumer complaint received 2024-10-05
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. (AL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2015-06-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MFG Financial, Inc. (IL)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
Consumer complaint received 2015-05-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (FL)

We took our XXXX for an emergency but we had to transfer it an emergency hospital and paid the clinic in full. We learned at the hospital that they had lost the blood tests and mishandled the case and told the clinic we did not feel we should be charged. When we got the credit card bill we disputed it and received notification it was resolved in our favor ( see attached document for further details ). We heard nothing until months later we got a letter from a debt collector ( we have filed a claim with you against them already Case number : XXXX ). We called them explained the situation and sent them all the information with a request that they contact us if they needed any further information. Again we heard nothing until months later Identified us about an inquiry which turned out to be a negative report from the debt collector. We contacted Experian and disputed the report. We sent them a complete package of all of the documentation including the paid bill and credit card resolution. They simply sent an inquiry to the debt collector who said the account was valid and had not been paid without reviewing the documentation which showed the debt should never have been sent to the debt collector as the merchant did not respond to the credit card company 's inquiry about our dispute or send us anything once the case was resolved, and the debt collector did not do due diligence when the information was provided to them. We disputed their first finding and they simply repeated the same inquiry which we have now disputed again showing them a perfect credit history except for this XXXX " incident ''. We did the same process with the other XXXX credit reporting services XXXX of which deleted the report after finally reviewing the material. The attached documents have the original payment, the credit card company resolution information and a much more detailed explanation of everything which has transpired. We would appreciate your assistance in getting this negative report removed from our credit record.
Consumer complaint received 2024-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX Pl XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX XX/XX/XXXX To Whom It May Concern, This letter serves as a formal complaint regarding your disregard for my previous request and failure to uphold adequate procedures in your operations to ensure the highest level of accuracy in the credit reports you publish. Credit reporting regulations dictate that bureaus should only report credit information that is 100 % accurate, and every effort must be made to ensure the reported information is entirely correct. 

Please refer to my previous correspondence for the details that require further investigation. 



XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX PLEASE REMOVE THIS FRAUDULENT HARD INQUIRIES FROM MY CREDIT REPORT XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX PLEASE REMOVE THIS FRAUDULENT HARD INQUIRIES FROM MY CREDIT REPORT XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX REMOVE THIS FRAUDULENT HARD INQUIRIES FROM MY CREDIT REPORT Under Section 611 of the FCRA, credit bureaus are required to investigate and correct any inaccurate or unauthorized information on my credit report within 30 days. Given that the stipulated time has passed without resolution, I am requesting the immediate removal of these unauthorized inquiries from my credit report. 



Furthermore, under Section 604 of the FCRA, these hard inquiries could only have been conducted with my express authorization, which was never granted. Therefore, I insist that you, as a credit bureau, take the necessary steps to remove these records. 


Sincerely yours, XXXX XXXX XXXX
Consumer complaint received 2024-10-23
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. (FL)

I am writing to formally request that TransUnion block fraudulent information appearing on my consumer credit report, in accordance with the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ). This request is due to identity theft and fraud, and I expect the inaccurate information to be blocked within 4 business days of your receipt of this complaint.

I have identified several accounts on my TransUnion credit report that I did not open and are the result of identity theft. These fraudulent accounts include : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 accounts, which I do not recognize, have resulted in several fraudulent collections being reported on my consumer XXXX credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I demand that these fraudulent items be removed from my TransUnion credit report immediately. Additionally, I request that any related collection activity cease without delay. 
I have attached a list of the aforementioned fraudulent items and a copy of the FTC Identity Theft Affidavit and Criminal Complaint ( XXXX ) & ( XXXX ) as evidence that these accounts are the result of identity theft.
Consumer complaint received 2015-06-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (FL)

This is a story about a XXXX year old widow living in XXXX, Florida named XXXX XXXX. XXXX was born and raised in XXXX XXXX, FL in XXXX. XXXX never had children, but had a wonderful husband to whom she was devoted to for XXXX years. 
Fast forward to XXXX XXXX, when XXXX was XXXX, and at the cusp of the " XXXX '' days of free-wheelin ' mortgage and real estate boom. XXXX has a XXXX bedroom, XXXX bath wood frame home that was built in the XXXX 's where she has resided for the past XXXX years. It 's XXXX XXXX sq. ft., and by most standards in America today, would be considered modest. At the time, XXXX had a social security income of roughly {$800.00} dollars per month, and being an entrepreneur, " sometimes '' had up to another {$1000.00} dollars per month selling items on XXXX that she would XXXX in yard sales. This additional income would vary, but never exceeded {$1000.00}. 
In XXXX, with the real estate values soring ever upward, her modest little home appraised for an astronomical sum. Mortgage money was sloshing around all over the place, and XXXX was there to help provide and lubricate the exuberance. XXXX was enticed to take out a mortgage. A {$130000.00} dollar mortgage. An " Option Arm '' mortgage, that provided " options '' each month as to what she could pay, including " Interest Only, '' and/or various Fixed Rates with Amortizations that she could " pick '' each month. XXXX years, XXXX years, or " anything goes '' some other amortization, i.e. XXXX year, XXXX year, etc. that should could specify and varying each month. A payment plan designed for high income, " Young Upwardly Mobile '' sophisticated borrowers. The " Interest Only '' was based upon a " Jumbo '' Interest Rate of 6.875 % and was the cheapest payment option each month for XXXX 's meager income. This despite XXXX having a Conforming Loan Amount, and Conforming rates being cheaper, as much as 2 % less, a payment difference of {$220.00} per month. ( Conforming loans did not exceed {$460000.00} +/- in loan amount at the time. ) Being approved for the loan which took 50 % of XXXX 's monthly income was tight, but she managed at first. In XXXX of XXXX, with the economy beginning to tank, her XXXX income began to whither, and she began to get behind. Like many to that fell prey to this, foreclosure arrived at her doorstep and her defense was not enough. Sadly, she was finally adjudged in XXXX and the final foreclosure sale is in XXXX. 
XXXX should never have been approved for this loan. Approving a convoluted loan for anyone whose source of income is unpredictable, and approving it with the knowledge of taking half of it each months meager income, charging her a Jumbo Interest Rate as opposed to a Conforming Interest Rate to base the payment, and knowing in good conscience that she did n't have a " Snowballs Chance in XXXX '' to pay this, is beyond the governments definition of PREDATORY LENDING, ITS UNCONSCIENABLE AND EVIL.
Consumer complaint received 2024-10-22
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. (MI)

This CFPB complaint has been filed to request according to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filling this FTC Identity Theft Affidavit to report 4 fraudulent accounts appearing on my consumer FICO TransUnion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a Credit Card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. A personal loan account opened at XXXX on XX/XX/XXXX under the account number XXXX. A Phone account opened at XXXX on XX/XX/XXXX under the account number XXXX. A Loan account opened XXXX XXXX on XX/XX/XXXX under the account XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws.

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws.
Consumer complaint received 2024-10-23
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. (IL)

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM THE CFPB THE DOOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY FROUP HELPING ME DUE TO XXXX XXXX ACCORDING TO XXXX  DEBT BONDAGE, WHICH FALLS UNDER RULE 1002.142 ( B ) ( 7 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A XXXX XXXX XXXX XXXX OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX XXXX {$590.00}, XXXX XXXX {$620.00}, XXXX {$2100.00}
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

The XXXX major credit bureaus Equifax, XXXX XXXX, and XXXX failure to report correct payment history for XX/XX/year> with XXXX balances for XXXX XXXX XXXX XXXX XXXX with XXXX balances with no lates.was told information was sent to bureaus but there is no proof on record.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Equifax fail to follow the law relating to claims of identity theft. They're causing harm and injury. Please block and remove this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION