davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
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. (IL)

I am a natural person I am a living human being I have rights under 15 USC 1681 Equifax is govern by 15 USC 1681.and they violated my rights numerous of times I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give equifax written permission to furnish these accounts XXXX XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

Im asking for your support in addressing this incorrect account on my credit report. Ive brought this up because its hurting my reputation, and I need your assistance. The way my credit report has been handled has left me struggling, as this incorrect information has tarnished my reputation. You need to correct these errors so I can live comfortably with my family.
Consumer complaint received 2024-08-27
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. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX - BALANCE {$5800.00} Account Name : XXXX XXXX XXXXXXXXDATE OPENED XX/XX/XXXX - BALANCE {$0.00} Unauthorized inquiries XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (TX)

On XX/XX/2018, at what appeared to be a legitimate request by our title company in the course of a pending real estate transaction, two wire transfers of {$65000.00} each were received by a Citibank customer illegally posing as the title company 's escrow agent. 

Despite glaring inconsistencies in the name of the wire 's beneficiary, the beneficiarys address and reference data, Citibank failed to take simple and adequate measures to flag the suspicious acitivity and prevent this fraud. 

Furthermore Citibank did not act expeditiously nor according to industry standard policies, procedures and best practices, including sending a simple service wire back to one or both of the originating banks to request clarification due the inconsistent data ( before funds are made available to the account in question ), which would most certainly have alerted the parties to this illicit activity and prevented the fraud entirely. 

After nearly 6 days of activity, including depleting the account of funds through walk-up teller withdrawals, ATM withdrawals and large debit card purchases, Citibank finally froze the account in question and alerted the rightful beneficiary on XX/XX/2018. 

Despite the freeze, to add insult to injury, suspicious purchases continued to clear and debit the account for a number of days after we were notified of the scam. 

After nearly two weeks, on XX/XX/2018, Citibank finally returned just {$80000.00} of the original {$130000.00} to the originating banks representing an immediate loss of nearly {$50000.00} - in addition losses incurred as a result of the delayed real estate transaction. 

We promptly escalated the issue to the Citibank Executive Response Unit and requested a reimbursement of the balance of {$49000.00} that Citibank 's customer was able to leverage the institution to unlawfully obtain and withdraw. 

On XX/XX/2018, despite not taking adequate measures to protect my family and me as consumers, Citibank, citing a grossly out-dated provision of the Uniform Commercial Code, refused to take any responsibility, and alleged that no bank error had occurred. The bank informed us that it will not reimburse us for any of the losses sustained. 

Although it is assumed that Citibank possesses enough human and technological resources to address this increasingly common type of fraud, and it appears that there were significant oversights that enabled a bad actor ( a term used by Citibank security ) to use the bank to steal a significant amount of our money, the bank 's response has been nonetheless surprising.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-08-26
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: EQUIFAX, INC. (CO)

I am writing this letter as an immediate and urgent follow-up to my previous dispute, regarding the inaccurate and unverified information that continues to persist on my credit report. Despite my initial dispute, which was submitted in compliance with the Fair Credit Reporting Act ( FCRA ), these erroneous items remain unresolved and continue to harm my credit profile. This negligence is unacceptable.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified XXXX XXXX format reporting standards. 

Your agency is in violation! 
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 2019-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX fraud department contacted me claiming UNUSUAL and Unauthorized activity on two XXXX XXXX credit cards.these cards have been BLOCKED and online activity has also been BLOCKED as a result of XXXX claims. But These cards are being reported by XXXX to my credit report. XXXX also believes this account was not opened by me. Therefore, XXXX by their own admittance are reporting inaccurate information to the credit bureaus. I am demanding the following accounts be deleted from my credit report. I am providing statements made by XXXX   representatives and their fraud department to confirm my dispute.

1. XXXX XXXX Credit Card ending in XXXX 2. XXXX XXXX ending in XXXX
Consumer complaint received 2024-09-02
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. (MD)

Hi CFPB : I received an email from XXXX XXXX today letting me know there was a hard pull on my credit report. I entered my XXXX XXXX account and found that XXXX ( Bank ) did a hard pull on my credit on XX/XX/XXXX. I did not apply for credit from XXXX XXXX and have not held a XXXX credit card since XXXX. My credit report states my XXXX account was closed on XX/XX/XXXX, with no outstanding balance due. I believe it is unlawful for XXXX XXXX to conduct a hard pull on my account and I would like for CFPB to advocate and recoup money on my behalf for XXXX 's violation of the law. Thank you for your attention to this matter. 

THANK YOU for your attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2019-12-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (IL)

I recently recertified for my income based repayment plan. In the last two years the company has solely been going by my income, because my husband doesn't have student loans, and using my son as an dependent. In the last two years my payment was $ XXXX/month. My new payment after recertification is XXXX, the letter determination was for XX/XX/19. I called today, XX/XX/19, to ask why my payment amount had gone up, I was directed to the IBR department where I was accused of lying on my other applications and that only this application was accurate. When I asked what caused the change I was given no answers and was told my application couldn't be discussed. I'm not sure how I'm supposed to correct an error when I don't know what was wrong. I'm not a loan officer and I wouldn't know what I answered wrong this time. I was told to go back and look at the application. I did it through their website but a copy isn't there. My income hasn't changed since the first application I haven't worked except holiday positions because I stay home with my son. I hate trying to find answers and they choose to be ambiguous and not be helpful. My family can't afford student loans. My first year on the plan their were XXXX people in my household because we were taking care of my husband 's niece and nephew and received survivor benefits for them the second year my son was born and our household size shrank to XXXX because our niece and nephew no longer live with us and it has been that many in our household since. I have never lied on my application and I don't appreciate the associate accusing me of not being truthful on previous applications.
Consumer complaint received 2024-08-26
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. (AZ)

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


XXXX. 15 U.S. CODE 1692G - XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 16811 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692e - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 16811 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. XXXX5 U.S. CODE 1681B - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - XXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2019-12-07
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. (TN)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF VETERANS AFFAIRS DEPT OF VETERANS AFFAIRS XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2019-10-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (SC)

Repetitive phone calls have been made at the dates and times below. These calls have been made to me during work hours and I am unable to communicate with them at these times. They are calling from the number XXXX XX/XX/2019 at XXXX EST XXXX XXXX at XXXX EST XX/XX/2019 at XXXX EST XX/XX/2019 at XXXX EST XX/XX/2019 at XXXX EST XX/XX/2019 at XXXX EST XX/XX/2019 at XXXX EST
Consumer complaint received 2019-09-04
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AMERINATIONAL COMMUNITY SERVICES, INC. (MD)

Received a letter from AmeriNat on XX/XX/XXXX stating there is an outstanding loan on the home from XXXX  of XXXX from XXXX on property XXXX XXXX XXXX, XXXX, MD XXXX. I have never received any communication until the date above. AmeriNat is threatening to collect ( what they called a debt ) by XX/XX/XXXX if no action is taken to pay the loan it can be taken. My mom who is deceased as of XX/XX/XXXX was informed at the time in XXXX that the loan will be paid in full if she lived in the home for 20 years.
Consumer complaint received 2019-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I received an answer from a XXXX XXXX that my request for reimbursement of {$48000.00} was being denied again. I made two airline reservations with Citibank card on XX/XX/2019, and they reversed one, but would not reverse the other, saying it was not fraud, and therefor I was responsible for it. The letter from this XXXX guy does not make any sense, and is just double talk to not admit quilt on Citibank. This is fraud on their part, and I paid them so not to get interest charges, and bad credit.
Consumer complaint received 2019-09-04
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. (TN)

I have been trying for over a year in having Equifax remove one of my credit accounts. They have one in my maiden name and one in my married name. They are doing something on my credit and sending  me emails but I can not gain access to view my credit score or what it states. I have written so many letters and I still can not gain access. 

I am part of the breach and I have informed them of this but nothing has been taken
Consumer complaint received 2023-05-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

Greetings, This is in reference to several complaints that I filed against Wells Fargo to include the recent complaint filed under XXXX. 

I recently received an XX/XX/XXXXXXXX  dated letter from Wells Fargo stating " during a review of the account, we identified that when we considered the account for a deferral review, an issue occurred. '' Wells Fargo included with the dated letter a check for {$1700.00}. They also mentioned in the letter for any inconvenience this may have caused. 

Any inconvenience??? 

I lost my home because of Wells Fargo 's unethical, illegal, and discriminatory mortgage practices! 

I was proactive and reached out to Wells Fargo on several occasions PRIOR TO and DURING COVID for assistance. I repeatedly pleaded for Wells Fargo to offer me a loan modification and a refinance to keep my family home. 

Wells Fargo refused to help me, a 21-plus years XXXX XXXX and PERMANENTLY XXXX MILITARY VETERAN, because of the color of my skin! 

Instead, Wells Fargo initiated foreclosure proceedings on XX/XX/XXXX and ruined my credit rating. 

I was FORCED to sell my family home. It was a TREMENDOUS loss emotionally, physically, and financially. 

Wells Fargo kept making previous comments that they did not do anything wrong despite my many documented complaints about their mortgage practices. 

Wells Fargo harmed me and my family and is still harming me and my family by sending a check for {$1700.00} for what they call an inconvenience!!! 

This is extremely insulting and insensitive! 

My complaints ( and the plethora of complaints from others ) is well founded! 

The {$1700.00} is nowhere near the compensation that is due to me and my family for Wells Fargo 's deplorable actions! 

Furthermore, I have not received any other payment from Wells Fargo despite what is reflected in the XX/XX/XXXX dated letter. 

CFPB, I implore you to help me with this matter.
Consumer complaint received 2024-08-27
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. (NY)

This identity theft report with the FTC was not made in error and is not a material misrepresentation this account is fraudulent the federal law states that identity theft is a punishable offense and one could be held liable for 2 years in jail or {$5000.00} or both. A bank statement or any statement from third party is not evidence I owe a debt.
Consumer complaint received 2019-09-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/2019 I XXXX XXXX attempted to purchased 4 concert tickets from a person named XXXX XXXX for {$120.00} from which I saw she was selling on XXXX. Reference # XXXX They had stated they preferred to use the app XXXX for payment. I was not familiar with this app however I saw it was linked with the bank I already use Wells Fargo. I went ahead and set up the transfer. This person then sent me another request for the same amount {$120.00} a 2nd time and never sending the tickets via email because according to them the first one did not go through. I immediately felt suspicious and called Wells Fargo to cancel the transaction however it was already completed and the only thing left for me to do was to file a claim ( claim # XXXX XXXX which I did then do. On XX/XX/XXXX I received a letter from Wells Fargo stating that the online transfer was already approved and processed and there was nothing left I could do. They can not reverse the transfer. Now I am out {$120.00} and zero concert tickets. I only used the XXXX app because it was affiliated with Wells Fargo and trusted that using my back to transfer funds would come with some sort of back up. I guess I was wrong. How is the app still being used?
Consumer complaint received 2019-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: White Jacobs & Associates (MD)

On XX/XX/2018 I signed up and was required to pay a fee for White Jacobs and Associates credit repair services. The initial fee I paid to become a part of this service was {$890.00}. This fee was paid prior to any services being rendered. The very next month and six months following, I was required to pay {$100.00}. The FTC Credit Repair Organizations ACT ( CROA ) states 1679b. Prohibited practices ( b ) Payment in advance states No credit repair organization may charge or receive any money or other valuable consideration for the performance of any service which the credit repair organization has agreed to perform for any consumer before such service is fully performed. 

This contradicts White Jacobs and Associates practice, and is in direct violation, as I was required to pay a large sum of money ( {$890.00} ) before any services were ever initiated. This company violated the FTC Credit Repair Organizations ACT and I want reimbursement of the {$890.00} I was required to pay before any services were rendered.The monthly {$100.00} I was required to pay to have them actually audit and dispute my tradelines I feel they should keep as that was during the time services were provided. However, the {$890.00} was before any contracts were signed or work was performed - again, direct violation FTC Credit Repair Organizations ACT.
Consumer complaint received 2024-08-24
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 just recently looked at my credit report and noticed it had fraudulent accounts, please investigate them and remove them. 

Account Name : XXXX  XXXX XXXX. 
Account XXXX : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.