davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IA)

XXXX XXXX Bank allowed someone to take a credit card out in my name without even a form signed. The person lived at my address ( family member ). 

This case has been to court, where it ruled in my favour against the debt collector the account went to, and was removed from my credit report. However a year later this still negatively affects my credit report by showing this XXXX XXXX Account I'm not responsible for.
Consumer complaint received 2018-08-25
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo Home Mortgage has several issues with robo signing as well as forged signatures that are not my signatures in which Wells Fargo has yet to produce a real answer or the truth to why my signature was used and sign by some one else in regards to documents. Wells Fargo is always caught up in deceptive practices on there customers. There has yet to be provided to me by them proof that has in XXXX to prove my signature with the issue.
Consumer complaint received 2024-09-06
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. (FL)

I believe that these collections are being reported in error due to [ insert reason here, such as : " these accounts have been paid, '' " these accounts do not belong to me, '' or the information is inaccurate '' ].
Consumer complaint received 2021-04-05
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (TX)

I contacted a moving company about performing a move to Texas. I gave them permission to charge my card for {$75.00}. I noticed later in the day the charge was for {$1200.00}. I spoke to a XXXX who said they were sorry and that the funds would be returned. Several events happened and the movers did not show up to do the move. The movers did not perform a service did not obtain authorization to charge my card for {$1200.00} and I did NOT sign any documents with the moving company. It is clearly a case of fraud yet Chase has charged the funds back to my account.
Consumer complaint received 2021-04-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC ()

I have money in Gemini that I cant withdraw, they are holding my money since weeks. I contacted customer support multiple times on every platform and I have no replies. I linked my bank account automatically with plaid in order to withdraw my funds. It says it was done successfully but I still cant withdraw.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

fcra violatons wrong info ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses show XXXX XXXX Select as many as apply XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY SSNs show XXXX XXXX Only variations displayed. Select as many as apply XXXX XXXX
Consumer complaint received 2021-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I XXXX XXXX finished my college education in XXXX. I took 11 student loans that were satisfied in full. Therefore, I never signed for a student after XXXX. I have attached a copy of each satisfied student loans. My problem now is that my ex-wife at one time added me as a person of interest to pay on her student loans that were serviced by XXXX XXXX XXXX. My divorce decree never had a stipulation that I would be responsible for her student loans, totaling {$63000.00}. I request the immediate removal of these accounts from XXXX, XXXX  and Trans Union respectfully. XXXX may be inclined to even send to me copies of all signature pages for these loans, which will prove that I am not a responsible party. Accordingly, I request a quick review of these accounts and their permanent deletion on all pertinent credit reporting agencies. Thank you for your cooperation. 
XXXX XXXX
Consumer complaint received 2024-10-08
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. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Consumer complaint received 2018-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2018 I requested that Experian verify accounts that was appearing on my credit report, ( see attached letter ). On XX/XX/2018 Experian responded to my request with a letter ( see attached letter ) directing me to contact the credit grantor, Experian in error is naming XXXX XXXX XXXX XXXX the grantor of this alleged account. 

On XX/XX/2018 I requested a method of verification ( see attached letter ) from Experian investigation and has not received any information from Experian alleged investigation, I have also submitted a second request written request to Experian in a good faith effort asking for the address and telephone number of the original creditor of this alleged account with XXXX XXXX XXXX XXXX without success. 

I have also in a good faith effort contacted XXXX XXXX XXXX XXXX ( see attached validation letter ) to get the contact information to the original creditor of this alleged account, XXXX XXXX XXXX XXXX  only sends a computer generated printout of charges and the creditor as XXXX XXXX XXXX XXXX XXXX XXXX ( see attached printout ) I have not done any business with XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX and if XXXX XXXX XXXX XXXX  fail to validate this alleged account with verifiable documentation that this alleged account belongs to me it should not be on my credit report.
Consumer complaint received 2021-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following account and remove late payment. You are reported totally different or missing information on my XXXX XXXX XXXX account. I attached copies of my annual credit reports of all major bureaus so you can find wrong information.
Consumer complaint received 2021-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: PNC Bank N.A. (TX)

Please refer to Complaint ID XXXX and XXXX for further details. 
In the previous complaint, BBVA claimed that : XX/XX/XXXX : Notification was sent to the branch to request SSN and DL from the customer XX/XX/XXXX : Bank notified the customer After receving these feedback in late XXXX, I conducted interviews with two employees XXXX XXXX and XXXX, who were the recipients of the request. 

1. XXXX XXXX was out of office from XXXX and returned to office on XX/XX/XXXX. He was not aware of the email from credit card service until XX/XX/XXXX that the application was missing documents but it was too late by then. No communication was sent out on XX/XX/XXXX. He said XXXX was in CC. 

2. XXXX said she never contacted the customer and was not really aware of the email from credit card service. No communication was sent out on XX/XX/XXXX. 

According to the employees at the branch, no communication was sent out to the customer requesting DL and SSN on XX/XX/XXXX as BBVA claims. This implies BBVA did not conduct interviews with the employees and casts doubt on fabrication. Lastly BBVA needs to explain why Credit Card Service was not able to provide any further details or requests to the customer when 4 calls were made prior to XXXX requesting the documents.
Consumer complaint received 2018-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Send out 2 section 609 letter company refuse to comply with credit reporting law copy of letter According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately Thank you for your prompt assistance in this matter. 


Sincerely, XXXX XXXX Name of Account Account 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 2018-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I have contacted Equifax several times regarding an account that does not belong to me and was not authorized by me. I have been a victim of identity theft and provided Equifax with a police report explaining the account was fraudulently opened up. I have also contacted the company directly and they have acknowledged the account was fraudulent and have released me from the obligation of paying it. I forwarded this letter for deletion directly to Equifax along with my police report, social security card, passport, utility bill and cover letter and they continue to inaccurately report this account on my credit report. I demand that they remove this fraudulent account from my credit report. The company has agreed to remove the file from my report, the police report explains I have been a victim of identity theft and Equifax still refuses to remove the account. Account : XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, 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. (LA)

I decided to review my credit report due to being in the process of purchasing a car in a few months and noticed there were a few things on there that Im not aware of. I ask that these items be verified and send me proof once the items are verified. If proof cant be sent then I ask that the following things be removed from my credit report. I filed an identity theft report with the Federal Trade Commission. I ask that you review this identity theft report and if you find any of these items on my credit report then please have them removed immediately.
Consumer complaint received 2021-04-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (OH)

On XXXX XXXX, I closed on a mortgage with Wells Fargo with XXXX XXXX  as the Title agency. That same evening I sent a letter stating that I wanted to cancel the mortgage. I sent the cancellation notices to XXXX XXXX  and Wells Fargo. I mailed it at XXXX XXXX  from the Post Office. I followed up with XXXX XXXX on XX/XX/XXXX because I received a deposit and pay off notice from my former loan company. I told them about my concern and they said that they would take care of it. The money was removed and I was assured that the mortgage was cancelled. Wells Fargo has no record of the Loan because it really never was a loan. I also shared with them the Order and that number didn't help. 

I now have a lien on my mortgage because Wells Fargo filed it with my County Recorder 's Office in XXXX XXXX, XXXX, OH XXXX. I'm trying to refinance again and the title company that I'm working with discovered the lien. The current title company and myself have been working on communicating with Wells Fargo on getting the lien removed since XX/XX/XXXX. 

The I, the recorded date of the Instrument is XX/XX/XXXX XXXX XXXX. 

I don't understand why it wasn't cancelled. I never received a coupon book or payment book from Wells Fargo in regards to this loan.
Consumer complaint received 2021-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (MI)

I had a credit card with Synchrony Bank which got stolen in a airport some years ago. 
I reported the fraudulent charges and situation to the bank and even asked why they allowed for such irregular charges to be made. 
They removed the charges and later on I began getting statements to pay back the charges I did not make. 
They did not honor their police of zero liability for fraudulent charges and instead had reported this to credit bureaus damaging my credit and sending it to a collection agency, XXXX XXXX XXXX. 
I provided the debt collector with my affidavit as well as additional information to sustain my claim of not recognizing the charges and its still shown in my credit report.
Consumer complaint received 2024-09-07
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. (IL)

I never gave my written consent to pull my credit from the list provided blow. 

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 2021-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

Hi there, I have a chase business account. I have been a member with them for over 15 years and I rarely ever file a claim. On XX/XX/2020 I got scammed from a merchant from XXXX for {$750.00}. The product was for a service. 

On XX/XX/XXXX I submitted a claim that the funds were not as received. The merchant provided an agreement and that I signed and carefully selected screenshots of our conversation. and chase ruled in their favor without even giving me a chance to fight back. They said that the transaction was accurate.Upon calling them they asked me to show proof of the item which I had to reiterate to them multiple times that it was a service. 

On XX/XX/XXXX they told me I have to provide evidence on my end if they were to reopen the case. I went ahead and provided the remainder of screenshots of the conversation that the merchant did not provide. The part of the conversation where I kept expressing that the services were not rendered as described. 

Chase then ruled in the scammers favor again without giving me an explanation. Then on XX/XX/XXXX, I reopened the claim once again. Chase ruled in the favor of the merchant on XX/XX/XXXX without explanation. 

On XX/XX/XXXX I just called to figure out what happened and they told me its been 120 days since the charge so they can no longer help me. Even though they are the ones that took extra time in order to not help me.
Consumer complaint received 2021-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

The mortgage on my home was paid off on XX/XX/XXXX. The mortgagee is supposed to file a Discharge of Mortgage with the XXXX XXXX within thirty days. They created the Discharge on XX/XX/XXXX, but that Discharge was rejected as defective, by the XXXX XXXX. 

The mortgagee created another XXXX, but that one was also rejected, due to perhaps three errors. 

On XX/XX/XXXX, the servicer sent me a letter that they are still working on this. 

Now that my house if free and clear for a year, I have been trying to refinance it, but this old mortgage still shows up on my record, preventing me from closing on my refinance. 

I filed a previous complaint with CFPB under ID XXXX .... But I am filing this new complain since the servicer has only provided a letter saying they are working on the matter. That is not acceptable, since this matter is now more than a year old ( since the mortgage was paid off ).
Consumer complaint received 2018-10-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: General Motors Financial Company, Inc. (IL)

I, Am writing this letter for a family member who doesn't speak English. 

On XX/XX/2018 estimated cost {$55.00} I Six months ago helped a friend purchase a car from XXXX dealer On XXXX XXXX. I am limited of understanding and Speaking English, but with my limited English I was assured my name would be taken off the car and placed in my friends name. On XX/XX/XXXX we went to the dealers and I took a translator, since they could not provide me with one the first time. I was informed my name could only be taken off if truck was traded in and a new car was purchased. My friend and his cosigner agreed to this solution. I left truck at dealer with keys with the intention that issue was taken care of. The next day my friend showed up at work with the car he was purchasing from dealer, so I went to dealer that after noon at XXXX XXXX. to sign paper work and received copies that it was out of my name and had no worries everything was taken care of. It is now XX/XX/2018 and I received a phone call from a representative by the name of XXXX ( XXXX XXXX ) who speaks some XXXX  stating I need to pick the truck up, since the deal did not happen with truck trade in. I am confused I witnessed a signature that allowed my friend to drive away in a new car from dealer and witnessed the car in the parking lot of our Job. Are sales representatives there to give false information to buyers so they make a sale or are there laws, which protect the buyers of being told the truth at the time of purchase?? The truck is still on your premises and I contacted the financial company and a lawyer to see what my options are. I will go on Friday to speak with the manager who assured me all was good, so he can explain and give me reasons on why I was lied to and tell me to take the truck and nothing your company can do for me but tell me lies. I am ready to hear this on Friday I have no high expectations nor expected any help from your dealership.