davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-12
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. (PA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SSN XXXX Experian XXXX XXXX XXXX XXXX , TX XXXX RE : REMOVE UNAUTHORIZED INQUIRIES Dear Experian, I pulled my 3 credit reports and scores recently. My report shows some inaccurate information that I did not authorize. Im referring to the inquiries listed that I did not authorize or provide consent. Im not aware or familiar with any of these listed creditors.

I did NOT authorize the following inquiries listed below. None of these creditors obtained my consent and these reporting inquiries appear to be a violation of my FCRA rights.

Below are the results of inaccurate reporting of my information. Please delete immediately. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please remove these unauthorized inquiries IMMEDIATELY and send me an updated copy of my credit report. 

Thank you, XXXX XXXX
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/XXXX, I noticed my credit card had numerous charges that were fraudulent and made without my consent. I believe my credit card information was stolen and used to make 32 fraudulent charges totaling {$1000.00}. Charges were made on my card when I was out of State, resulting in charges in two States over the same period of time. On XX/XX/XXXX, I cancelled the card and filed for fraudulent activity with TD bank. I received no response on the dispute. On XX/XX/XXXX, I called the bank back and found that my case was lost by the bank as TD transferred 3rd party vendors. Again on XX/XX/XXXX, I filed the case for the charges totaling {$1000.00}. My claim was denied by TD bank based on the basis of chip on chip and card in possession. This finding is not accurate as charges were being made on my card from one State ( New York ) while I was physically using the card in another state ( Illinois ). 

I again filed the claim with another TD bank representative in XXXX of XXXX and was told I would have to call back to receive the status updates and would receive nothing by mail. I do not believe the case was ever re-filed for review. 

I again filed the case on XX/XX/XXXX reiterating to the TD bank representative that the charges are fraudulent and I could not have made some of them as I was not physically in the state of transaction and I had my card in my possession. I believe my card information was stolen and loaded onto a fake card, but I can not get any traction with TD bank. My claim was again denied for chip on chip and card in possession.
Consumer complaint received 2023-10-12
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. (TN)

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 2023-10-11
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)

I am a victim of identity theft. I filed all the correct paperwork according to the FCRA and filed a FTC report. I submitted this all to the credit agencies and nothing has been done and the disputes I filed are not being filed correctly.
Consumer complaint received 2016-03-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (FL)

Citibank decided on their own not to send me more paper statements apparently because they received a returned letter from USPS. I have not moved in more than 5 years, so I dont know why that happend. Problem is Citibank didnt notify me by email, or phone, so there was no way for me to know that. In the meantime, I was being bled with abusive fees that I was not aware for almost a year.
Consumer complaint received 2023-10-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (ID)

On XX/XX/XXXX, we were wire fraud ( for a purchase of a home in XXXX, ID ) that resulted in the loss of {$470000.00} in cash from our USAA Bank account. The wire fraud happened via " fake emails '' from the realtor and escrow title office. We were emailed with wire instructions from what looked like legit title companies emails and paperwork. The emails and Wire instructions had the correct address, company name, logo, everything. 

We were not notified of the wire fraud until XX/XX/XXXX, when the escrow XXXX noticed I had emailed and sent text messages regarding the wire of the money she didn't ask me to send. This was also alarming since I had been texting her the whole time but she didn't catch that someone was hacking her or pretending to be her via email and asking us to send our money before the sell of the home. 

We immediately contacted the police, our bank ( USAA ) and our realtor about the situation. The XXXX XXXX XXXX XXXX department in XXXX, ID compiled all of the information that they could and sent it to the FBI for further investigation. The sheriff who took our case said that he was able to find the money as it had been broken down into different amounts sent to XXXX, XXXX XXXX and cashiers checks. 

We worked with our bank 's investigation team to recall as much of the money as we could and try to get back anything that was taken from us. 

In XXXX of XXXX, USAA 's investigation office called us to let us know that XXXX ( the bank where the original wire was sent ) was able to get back {$280000.00} of our money and they would deposit the funds once they received the credit from XXXX. When this situation happened we were told that they had located {$440000.00} of the missing money but we still do not know where the other {$180000.00} is. 

On XX/XX/XXXX, the money was deposited into our account. At this time, USAA, XXXX Bank, the FBI and the XXXX XXXX XXXX department are still working on this investigation and trying to get back the remaining money that was ours. 

In XXXX of XXXX, we asked for information from USAA and their investigative team since they were the bank who was reaching out to the other banks involved in the situation. We were told by USAA via a letter that they would not give us any documentation without a subpeona and that they will not longer be assisting in the investigation to get our money back. At this time, we are still missing money that USAA and XXXX said was tracked down and waiting to be deposited back into our account. 

Any help or information would be greatly appreciated.
Consumer complaint received 2023-10-12
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: FREEDOM FINANCIAL NETWORK (CA)

I, XXXX XXXX made a complaint about Freedom Debt Relief misleading ( CFPB complaint ID # XXXX ) on XX/XX/XXXX. After that complaint, FDR contacted me to solve issue. FDR stopped drafting out my money and tried paying off to creditors. Then set up my graduation date on XX/XX/XXXX. FDR drafted bi weekly as program deposit since XX/XX/XXXX to XX/XX/XXXX is {$22000.00}. I enrolled in 9 debts amount is {$21000.00}. XXXX over withdrawal amount is {$1000.00}. FDR refunded to me only {$940.00} on XX/XX/XXXX. FDR promised and showed in my client dashboard that XXXX XXXX to date amount is {$4500.00}. FDR paid to all creditors amount is {$16000.00}. 
{$22000.00} - {$940.00} = {$21000.00} {$21000.00} - {$16000.00} = $ XXXX I pay {$21000.00} ( over {$110.00} ) for my total debt {$21000.00} and my question is what's my benefit to enroll in the Freedom Debt Relief program? Where's {$4700.00}? FDR made misleading and lack of negotiation to more interest of debt that I enrolled. 
1 ) If I didn't make first complaint to CFPB, FDR will continue stealing my money and pushing me down to the XXXX. FDR do negotiation for their profit only, not for clients. FDR extend the program period to get more gain. 
2 ) I made payoff amount by borrowing in XX/XX/XXXX to end program to control my financial situation. But FDR didn't stop and I couldn't control my interest payments behind the program. FDR ripped me off, broke family life, mentally, financially, physically and FDR did discrimination to me also. Now my entire life is totally mess up. I had phoned and messaged with FDR many times and begging and request but FDR didn't please to me. FDR has all recorded conversation with me.

3 ) I do truly statement that Freedom Debt ReliefXX/XX/XXXXand I'm a XXXX person. FDR takes clients ' hardship pure white money, tears, blood andXX/XX/XXXX to the clients. 
4 ) I humbly request to CFPB that please publish my statement complaint to the public, everyone to avoid Freedom Debt Relief 's trap and GIVE PUNISHMENT TO FREEDOM DEBT RELIEF. 
Appreciated and sincerely, XXXX XXXX
Consumer complaint received 2017-12-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

On XX/XX/XXXX our home was sold at XXXX in a foreclosure auction, I filed Bankruptcy at XXXX XXXX XX/XX/XXXX ; and Since XX/XX/XXXX XXXX , My dad 's  mortgage company Nationstar , and myself, until Now I have been in an Assumption/ Modification process. 
Nationstar which is now Mr. Cooper had all but cured our Bereavement/ Hardship concerning our dads sudden XXXX XXXX XX/XX/XXXX when they agreed formally to work with me In XX/XX/XXXX after refusing to accept partial payment or negotiate a payment plan it was all or nothing when we were just 3 months behind ( back in XX/XX/XXXX ). 
I was very meticulous in getting and sharing any, and everything requested by Mr. Cooper and then later XXXX XXXX requested documents all while allowing me to : Open Probate XX/XX/XXXX Restart My XXXX XXXX XX/XX/XXXX Qualify Financially ( provided 6 months bank and P & L statements From XX/XX/XXXX - XX/XX/XXXX ) Renovate/ remodel our home From XX/XX/XXXX -  XX/XX/XXXX I was really wandering why it was taking so long for an approval I was aware that some sort of comradery and teamwork was going on so I did n't think for a moment that Mr. Cooper would inadvertently sell without giving me an opportunity to provide more document ( s ) from the court ; especially since I 've been in compliance since the sale dates first started being postponed. 
As a Leader in Our Community, and a great lover of people one of my Biggest Failures is not Finishing what I start, Please help me to Finish the Good work that has begun even by allowing us to Remain In and to reestablish that good name that our Dad Begun with us In This HOUSE over 56 years ago! 
Thank you, XXXX
Consumer complaint received 2020-06-10
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: Atlanticus Services Corporation (MO)

Fortiva allowed an installment loan to be opened in my name, and they REFUSE to stop reporting it, even after law enforcement and the FTC have helped me file identity theft reports, and send cease and desist letters. They are illegally trying to collect on a fraudulent account, opened by someone who stole my identity. XXXX XXXX XXXX allowed someone to obtain an auto loan in my name, and refuse to stop reporting it, after cease and desist, law enforcement instruction, FTC instruction, and proof that the loan was fraudulently opened. XXXX  and XXXX  also refuse to remove these accounts from my credit reports, even though I have followed all instructions to prove that they were fraudulent and a result of identity theft. All companies on this report are breaking consumer credit laws in regards to reporting fraudulent accounts on my credit files.
Consumer complaint received 2023-06-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I have 2 complaints revolving around the same situation with 2 different Banks and my recent inquiries for a XXXX XXXX XXXX loan and line of credit or credit card. 
XXXX is bank of America who apparently just denied me small business funding without any legitimate reasoning along with reporting it to XXXX unlawfully along with the fact that they only report small business inquiries to XXXX which is legally documented. 

XXXX is XXXX XXXX XXXX XXXX, who I have a long term existing relationship with and accounts, who also just denied me small business loan and credit due to misinformation received that I sat down with the bank manager and associate about. 

Now I have good credit and credit history and the fact that I have started a XXXX XXXX XXXX in PA the start of this year XXXX and since pandemic and person or entity can apply and receive up to {$50000.00} in business funding with a newly approved XXXX and XXXX # as long as you have a XXXX or better credit score. So that 2 different financial companies and institutions that illegally or unlawfully denied me business funding. 
Which again Banks and credit unions are required by law to provide small business funding up to {$50000.00} with a XXXX XXXX XXXX verification which I have and provided. 
Your time and assistance with this XXXX XXXX is desperately needed and greatly appreciated.
Consumer complaint received 2023-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I declare under penalty pf perjury ( under the laws of the UNITED STATES, if executed outside of the UNITED STATES ) that the foregoing is true & correct to the best of my knowledge. Further I certify that I am permitted by FEDERAL & STATE LAW to file this dispute. I also understand that knowing & willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001 Additionally these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods services, or money & was successful in creating some accounts. All. is being investigated by the FTC
Consumer complaint received 2023-07-28
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. (AR)

In contempt of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX  XXXX XXXX Balance Owed : {$1000.00} ; XXXX  XXXX XXXX Balance Owed : {$4400.00}.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

In XX/XX/2023 I sent out certified and notarized written correspondence to Equifax demanding that they remove all accounts that were illegally reporting and all accounts that were not consistent with the same accounts listed with other credit reporting agencies. Equifax has failed to remove these items and continues to report this wrong and illegal information. It is the discretion of the consumer to what should be reported on the consumer report and Equifax fails to comply with my requests. I have sent in print outs of all 3 consumer reports highlighting the accounts that were inconsistent and none have yet to be cleared. I have attached a copy of my XXXX consumer report showing that XXXX has complied and deleted the requested accounts. Equifax must follow suit or face litigation.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), Please investigate the unverifiable items and remove them immediately in my report : 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 2016-01-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (LA)

Experian is allowing XXXX XXXX to report a re-aged inaccurate account that does not belong to me on my credit report. This illegal tactic is allowing XXXX to report the inaccurate information on my credit file for a linger period of time. I disputed this information with Experian last year and they confirmed that XXXX XXXX verified the accuracy of the account.
Consumer complaint received 2023-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MS)

My mortgage was sold to PHH Mortgage early this year. My taxes have been due since XX/XX/2023 but no matter how may calls I make they have not paid them. At first they were paid on the wrong lot. That was resolved by sending me a reimbursement check for that amount months after I complained. However they never did pay the taxes on my house after that. I started calling about it in XXXX. I have gotten the run around at every call or email. I was told they sent the check in May to my tax dep. I got a final notice letter this month and called again. I was told they sent it but did not know what was going on. This week they send an email that the they tax dept. is working on it still. I called and was told they are working on it but can't tell me anything XXXX is who the emails tell me to contact. She nor any of the other agents have a way for me to talk to the tax department for more information nor do they have a supervisor I can speak with. My taxes are past due already and the final deadline is XXXX XXXXI have an escrow account I don't know why they won't take care of it. I am afraid I will lose my house over this.
Consumer complaint received 2024-10-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (ID)

On Friday XX/XX/XXXX I purchased {$300.00} in XXXX  on my Venmo. I had done this before. I then move it to the exchange it to the currency I want. I have been doing this for a few months with small amounts and without any issue. I own approximately XXXX in crypto. These are investments for my future. I was not able to move the XXXX. I tried selling and buying XXXX  same problem. I used their chat and was told they did not know but not to try too many times or my account might get froze. I waited then tried again. I decided to sell the ethereum and move the money back to my account. Venmo isnt the cheapest option but it had been convenient. I was able to sell the ethereum but not able to move the money back to my card or any of my accounts. I used their chat multiple times over the weekend and each time I contacted customer service I was torn different timeframes as to when someone will get back and no one could help me no one had any knowledge or authority to deal with my case. I was refused to speak to anyone higher. I was told there was no one higher and I would have to just wait while they held my money. Monday XX/XX/XXXX, I was finally given a phone number and spoke with a representative but he said I have to deal with a special department and they will get back to me in XXXX business days. It was the same XXXX he didnt have answers could not help me I would just have to wait until this special dept gets around to contacting me. No they are saying XXXX business days from Monday XXXX XXXX Friday the original date of the issue. How can they just hold my money and refuse to offer support. I understand security, I get freezing accounts. I do not get refusing to provide timely support.
Consumer complaint received 2023-10-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: CrossCountry Mortgage LLC (MO)

Ive requested all forbearance letters exit and entry of forbearance and documentation of any extensions, Cross country mortgage and the loan serviced has not produce any forbearance documentation letters, this has prevented me from refinancing my loan with new mortgage company they failed to produce theses documents going on thirty days or refuse to research and give me copies if no copies available they should produce such letters for exit of forbearance and any extension For loan XXXX without this documentation I can not refinance my loan, Ive lost XXXX trying to correct this Im ask them for all documents by XX/XX/XXXX or will take legal action of being able to produce require documentation for this loan