davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-09
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (CO)

I have being discriminate cause of my not knowing to much on identity fraud so when i report it stolen no one care to help me. I have being acuse for things i didnt do an was denied of my benefits. I will like an investigation on all my financial an all records from all banks an have my righst givin back as well my morals an my integrity. Or i will star filling a federal courf law investigation
Consumer complaint received 2024-09-09
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX SSN XXXX XX/XX/XXXX RE : Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reportingTheCongressmakes the following findings : ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy.

Failure to Comply or delete these items15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In generalAnypersonwho willfully fails to comply with any requirement imposed under this subchapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by theconsumeras a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In generalAnypersonwho is negligent in failing to comply with any requirement imposed under this subchapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( 1 ) any actual damages sustained by theconsumeras a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and this bankruptcy must be deleted from my consumer reportor i will seek monetary damages in small claims court in my city and state. Also i already sent this letter to theConsumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX andFederal Trade Commission. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX IN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) PLEASE DELETE OFF MY REPORTSincerely, XXXX XXXX
Consumer complaint received 2015-04-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (NY)

RE : COMPLAINT ABOUT TD BANK BRANCH AT XXXX XXXX XXXX, XXXX NY XXXX BRANCH MANAGER XXXX XXXXHello : This is a formal complaint about the above referenced bank and its branch manager. 

First they refused to honor a {$2500.00} check payable to me as the owner of the law firm where I am directly listed on the account as the owner, opener, and as the account holder, thus severely screwing up my accounts and balances - they state they changed their policy a month ago but no written notification has been provided to their customers and no reasonable time was provided before this branch launched into such a disruptive and ridiculous policy. 

Second when I went to open up an attorney escrow account they made it as a regular escrow account not an XXXX Account which was again their severe mistake, with a regular escrow accounts being charged maintenance fees when no fees are supposed to be assesses on attorney XXXX Accounts as per state and federal regulations. 

Please investigate and advise.
Consumer complaint received 2016-03-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (WV)

We have been trying to get a loan modification from Well 's Fargo Home Mortgage for the last 6-8 months. They put us on a {$600.00} a month payment until a decision was made. For the last 5 months I have not been able to speak to our specialist. I have left numerous message on their phones and no one will return our calls and they keep changing who handles our load modification. On XXXX/XXXX/16 we received a letter from Well 's Fargo stating our loan modification had been denied because there are title issues with our property. We again tried to contact on XXXX/XXXX/16. My husband stayed on hold for 20 minutes, then they disconnected him. I called right back, was told by the woman that answered she could not tell me what the issues were. I stayed on hold for 30 minutes while she tried to connect me with a home specialist. After 30 minutes she came back on the phone and said a supervisor would have to call me. I asked when and she said in 24 hours, I made sure she had the right contact number. Well 's Fargo always say they will call back in 24 hour and never do. I am afraid they are going to try and foreclose on us.
Consumer complaint received 2016-09-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (AL)

At a Well 's Fargo Bank, I moved money from my mother 's savings account into her checking account the day before she passed away. This checking account has been " locked '' by the fraud department for almost 3 months. I have made numerous trips to the bank taking her death certificate, her will, her POA, everything the bank asked for and they still will not release the account. Now her debts are delinquent and mortgage about to go into foreclosure.
Consumer complaint received 2015-07-03
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (GA)

On or about XXXX/XXXX/2015, I received an approval letter from my senior lien holder and immediately forwarded it over to the junior lien holder Chase. I have received several extensions from the Senior Lien Holder and I have informed Chase that I can not receive another extension. This latest extension expires on XXXX/XXXX/2015. I have phoned, emailed and sent messages through equator and still no result on my approval letter. My file has sat with Chase for over a month and was not touched. It took XXXX months to get my address corrected. It is as if the bank is pushing me into a foreclosure situation, I see no evidence of them doing what the government says the lenders should to provide foreclosure alternatives to us as homeowners. I have tried as hard a I can to make this work and the bank is being unreasonable. So, due to their inactivity and unwillingness to assist me, I have reached out to you. I am desperate for assistance.
Consumer complaint received 2015-05-29
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP (MO)

I recently applied for a pre-approval for a home loan with U.S. Bank as a XXXX time home buyer. I was denied stating that my score was too low and to essentially try again in a year. I have been doing credit counseling and have been working on my credit for a while and spoke with my counselor to make sure I would qualify before applying for anything. My counselor agreed that I was ready based on my credit score and report. However the loan officer for U.S. Bank stated that my score was a XXXX which was way lower than the XXXX I had pulled from all three bureaus. When I asked to see a copy of the report that was pulled from the loan officer I was told they ca n't share that information with me. I called customer service with the bank and was transferred several times with each person not knowing if I could get the information or not. I finally reached a guy who told me he would have someone call me with the information in XXXX minutes and that he would check back and follow up. I never got a call from anyone with U.S. Bank regarding this issue and he did not follow up. It is my right as a consumer to have access to this information if I am denied credit.
Consumer complaint received 2016-08-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MA)

Today, the morning of XXXX XXXX, XXXX I received a credit monitoring alert via Experian that a new collection has now hit my credit file. Upon reviewing this incident, I noticed that this is yet again another account that was apparently fraudulently opened in my name sometime in XX/XX/XXXX. The creditor is XXXX XXXX XXXX to which I have never had any type of account with them. I have been a XXXX customer since XX/XX/XXXX, had only XXXX number throughout the past decade. It is my intent to contact XXXX XXXX XXXX tomorrow morning, XXXX XXXX, when their Fraud department is in the office and also dispute this directly with them accordingly. The following information is what is currently reporting on my credit file : XXXX Original Creditor : XXXX XXXX XXXX XXXX ACCT : XXXX Open Date : XXXX XXXX, XXXX Balance : {$6500.00} I am also concerned that this account is reporting a different name/ address and any contact info other than my own. The only name that should be reporting on my credit file is : XXXX XXXX XXXX or maybe some an abbreviation of my middle name to XXXX. 

**Also, upon now reviewing a recent file # ( XXXX ) to look up this information online more accurately, it does appear that the name and address associated with this account is indeed not mine. Please dispute this information as FRAUD accordingly and have it removed as quickly as possible according to the FCRA. Thank you kindly for all of your help up to this point. I can honestly say that in my dealings with Experian over the past few months, I am certainly appreciative and humbled by your expedited help and professionalism you have exhibited to me through out this horrible ordeal. Thank you kindly and I look forward to this being resolved as well. 

XXXX XXXX XXXX
Consumer complaint received 2024-09-09
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I did get a refund but not thy right amount, They charged me again after they cancelled my account? They gave me a Refund for {$260.00} but was suppose to be {$340.00}, & still charged me a extra {$29.00} on XX/XX/year>, They stold again, & my account is still cancelled? Please investigate TransUnion they keep taking extra money & hide the truth about their thieving, I can show payment records thru XXXX XXXX XXXX. for later documentation.
Consumer complaint received 2024-09-08
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. (FL)

Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau : Transunion Account Type : Credit Card Dear Sir/Madam In accordance with my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am formally disputing inaccurate and unverifiable information related to my account with [ creditor name, e.g., XXXX XXXXXXXX XXXX ], which has been marked as " charge-off. '' After reviewing my credit report, I have found the following significant discrepancies between the credit bureaus TransUnion, XXXX, and XXXX : TransUnion : Highest reported balance : {$2500.00} Current balance owed : {$2300.00} Payment status : Closed, reported as " Charged off. '' XXXX : Highest reported balance : {$0.00} Current balance owed : {$2300.00} Payment status : Closed, reported as " Charged off. '' The account was closed due to inactivity. 

XXXX : Highest reported balance : {$2300.00} Current balance owed : {$2300.00} Payment status : Closed, reported as " Charged off, '' with the balance reported as a " loss by the creditor. '' These discrepancies show serious inconsistencies, particularly regarding the reported balances and the reasons for the account closure. XXXX states that the account was closed due to inactivity, while XXXX indicates that the balance was reported as a loss. TransUnion reports a higher balance than the other bureaus. These inconsistencies violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires credit agencies to maintain maximum possible accuracy in their reports.

Additionally, under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information about my credit obligations and payment history. The discrepancies noted affect the truthfulness and clarity of the information regarding my account. 

I request that, in compliance with FCRA and TILA, you investigate this dispute and immediately remove the inaccurate information, including the " charge-off, '' from my credit report. The differences between the credit bureaus clearly show the inaccuracy of the reported information. Please send me the results of your investigation and a corrected report as soon as possible. 

I have attached copies of my credit reports highlighting the mentioned discrepancies for your reference. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Consumer complaint received 2017-03-09
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP (NV)

So I paid a payment to pay off credit card it was XXXX balance in XX/XX/XXXX I paid a payments in XX/XX/XXXX no paymnets in XX/XX/XXXX and 3 payments in XX/XX/XXXX including the pay off so XX/XX/XXXX comes around my XXXX paymnet got returned so instead of them contacting me they closed my hey your payment returned they closed my acct they said it was closed because returned check did n't give me opportunity to pay and told me they are gon na charge it off rudely I may add on XX/XX/XXXX I contacted them that 's how I found out about this situation now reason my check returned was because I 'm going thru litigation with my brother over our company and he returned check with my funds messy situation but I offered to pay my credit card balance to XXXX from what it is now I thought me having this card for 4yrs would n't be a big deal so they said I 'm 124 days past due cause my cash payments in XX/XX/XXXX was n't what was owed so they do n't count it as payment basically do n't care about my situation I spoke with collections and basically they do n't care even tho I can pay down balance to under my available credit it 's closed and they wo n't re open cause I 'm 124 days past due which is un true if u count my XX/XX/XXXX cash payment
Consumer complaint received 2024-09-09
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. (MD)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2016-03-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (FL)

Somehow Equifax keeps adding addresses to my credit file that do not belong to me and have never belonged to me. When I dispute them online, I 'm charged to having to jumpt through hoops to remove their errorneous information by doing the following : Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX This address does not belong to me. 
Next Steps Please note your Dispute Confirmation Number printed at the top of this page. It will be required to check the status of your dispute. 

In order to process your request to change your personal identification information, please send us a copy of the following documents. HOW DOES SENDING A COPY OF MY DL, SS Card and a utility bill PROVE THAT I DID N'T LIVE AT THESE XXXX PLACES? I DISPUTED XXXX BUT ONLY XXXX WENT THROUGH. THEY RANDOMLY ADDED THESE INCORRECT ADDRESSED TO MY CREDIT FILE THEREFORE THEY SHOULD BE THE ONES TO CORRECT THEM, NOT ME!!! I ORDERED MY SISTER SOME MAGAZINES XXXX TIME ONLINE THRU XXXX AND HAD THEM MAILED TO HER AT HER SONS HOUSE WHICH I HAD NEVER EVEN BEEN TO. WHEN I CHECKED MY CREDIT REPORT LATER, THAT ADDRESS WAS ON MY FILE AS XXXX OF MY ADDRESSES! THIS IS WRONG AND IS A DEVIANT PRACTICE AND IS SHOULD NOT BE ALLOWED TO CONTINUE!! 

1. Valid Driver 's License 2. Social Security card or XXXX form 3. Utility Bill Please print this page and fax or mail it with the required proof documents indicated above within 24 hours. 
Please ensure that your XXXX-digit Confirmation Number is included with any documents you submit to us.
Consumer complaint received 2016-10-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (PA)

I have requested investigation several times via certified mail ( I have receipts ) regarding inaccurate intems that appear on my credit report. They have yet to provide me with ANY written documents proving how they verfied the accounts in question. I recently received a response from them stating that they would not provide me with, correct or remove items that they have not actually verified as accurate according to the law. Specifically, the company XXXX. Information the my credit report is showing that the account is in Bankruptcy ( Filed Chapter XXXX Bankruptcy on XXXX XXXX, 2016. ) Please see attached documents. This is currently showing as a negative account on my credit report. 

There are also several XXXX XXXX accounts that I disputed as well as XXXX XXXX XXXX that have not be verfied at my request and are still appearing on my credit report.
Consumer complaint received 2016-11-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (VA)

I HAVE DISPUTE XXXX ACCOUNTS ON MY EQUAFAX CREDIT REPORT ABOY A MONTH AGO. I EVEN DISPUTED THE ACCOUNT WITH MY CREDITOR RECENTLY AND THEY SENT ME A LETTER THAT THEY HAVE UPDATED MY CREDIT REPORT ACCURATE. ON MY OTHER ACCOUNT I HAVE DISPUTE A NOTICE THE INFORMATION I HAVE DISPUTE HAS BEEN UPDATED BUT THE BALANCE IS NOT UPDATED OR CORRECT. SO EARLIER TODAY I WAS GOING ON LINE TO FILE DISPUTE AGAIN WITH THE CREDITORS AS I WAS LOGGING ON TO THE ONLINE DISPUTE ON EQUIFAX .I LOOK DOWN ON XXXX OF MY ACCOUNTS THAT I WAS GOING AND I SEE THAT MY 81 MONTH PAYMENT HISTORY HAS BEEN UPDATED AND IT SHOWS THE MONTHS AS CURRENT FOR THE MONTHS. AS PAY AS AGREE BECAUSE ON MY EQUIFAX CREDIT REPORT IT SHOWS A NOT REPORTED OR NR ON THE MONTHS IN QUESTION. SO I CALL THE EQUIFAX DISPUTE NUMBER AND I ASK THEM WHY DO I SEE MY ACCOUNTS ON THE ONLINE DISPUTE SIDE AS CURRENT AND IT SHOWS MY PAYMENTS HISTORY CURRENT BUT WHEN I LOGGED INTO MY EQUIFAX PERSONAL SOLUTION ACCOUNT IT SHOWS NR AS NO REPORTING FOR XXXX AND ALSO MY XXXX XXXX ACCOUNT. ACCOUNT NUMBER FOR XXXX XXXX XXXX AND ALSO MY XXXX XXXX XXXX XXXX AND XXXX XXXX. THEY ASK IF I WANT TO FILE A DISPUTE. ITS LIKE I DONT NEED TO. THE ACCOUNT ARE UPDATED HOW COME IT DOESNT SHOW WHEN I LOG IN. THEY DIDNT HAVE ANSWER FOR THAT. ALSO ON MY XXXX XXXX ACCOUNT IT STILL NEEDS TO BE UPDATED THE BALANCE OWE IS NOT RIGHT. I HAVE SUMMITED DOCUMENTS FROM XXXX XXXX TO SHOW THE CORRECT BALANCE. WHAT I OWE IS XXXX NOT XXXX. DATE OF LAST PAYMENT SAYS XXXX 2016. MY LAST PAYMENT I MADE WAS XXXX OF 2016. DATE OF LAST ACTIVITY IS THE SAME WITH MY LAST PAYMENT. I AM DISPUTING THE BALANCE, LAST PAYMENT ON MY CREDIT REPORT AND I AM DISPUTING THE DATE OF LAST ACTIVITY. ALL SHOULD SAY XXXX OF 2016. ON MY XXXX XXXX ACCOUNT IT STATES MY NEXT PAYMENT IS DUE XXXX ON XXXX XXXX 2016
Consumer complaint received 2017-01-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NC)

I have disputed with Experian and XXXX for an unverified and inaccurate account in regards to an account with XXXX. They both returned verified without proper verifying documents such as a signed contract, ID, SS card, or other concrete verification. They both completed their investigation but failed to see the inaccuracy and inconsistent information of what is being reporting. All XXXX bureaus are reporting different information. I mentioned this in a correspondence with XXXX and again they did not properly investigate. In compliance with the FCRA 623 ( a ) ( 8 ) ( D ) I am requesting accurate information be reported and both parties have failed. It is my understanding that Experian make money for reporting information and the lower my score the more they make. As long as they verified information and the accuracy of it, they can continue to report. Well I have proof that the information is inaccurate and also unverified. XXXX correspondence is contradicting what they are reporting. It also states they verified my identity through an email address and online application. I want my creditworthiness to be restored! They need to report accurate and consistent information. Also completely verify my identity before including this information on my report. Verifying my information with an email address, an online application, and billing statements are not verification. I have not received a thorough investigation from Experian or documents requested of verification. The documents I received from XXXX are clear that the delinquency dates are not accurate, the amounts paid and received are not accurate, and the identity verification is not accurate. Due to their failure to complete the investigation and report accurate information, I 'm requesting this to be deleted permanently from my file.
Consumer complaint received 2015-05-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CA)

For the past 8 months I have tried to have XXXX fraudulent accounts that were re- inserted to my credit by Equifax once again removed from my credit report and history. 
I supplied Equifax with my original police report that was also stamped by XXXX, the accounts removed and re- inserted to my credit without notice. I have called and tried to get the situation handled by mail- its no use they continue to ignore my disputes. 
XXXX XXXX # XXXX XXXX XXXX They have also failed to remove the fraudulent inquiries from my credit XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX