davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-31
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY (CA)

I RECENTLY PULLED MY CREDIT REPORT FROM XXXX, XXXX AND XXXX  AND TO MY AMAZEMENT, SAW THAT THERE IS A FRAUDULENT CAR LOAN IS BEEN REPORTED IN MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT. THE INFORMATION APPEARS ON MY CREDIT REPORT, I DID NOT MAKE OR APPROVE OF THIS CAR LOAN WITH WELLS FARGO DEALER SERVICES. THIS HAPPENED BECAUSE OF IDENTITY THEFT. THE FAIR CREDIT REPORTING ACT REQUIRES THE CREDIT BUREAUS AND CREDITORS TO BLOCK THE FRAUDULENT INFORMATION ON MY CREDIT REPORT RESULTING FROM IDENTITY THEFT WITHIN FOUR BUSINESS DAYS.
Consumer complaint received 2019-02-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CO)

I have been with Wells Fargo for over 22 years. I went onto the mobile app today and saw one of my accounts were closed without notice. So I called them and they confirmed they never sent out any notifications and just closed it on XXXX XXXX. They also said they can't reipen it. What options do I have? I know closing accouts affects a credit score and this was wrongfully closed. They said it was due to inactivity but if I was notified I could have transferred money into it. Please Help!
Consumer complaint received 2019-01-31
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. (NC)

I disputed several erroneous accounts, address and inquiries in late XX/XX/2018, with all three credit bureaus. I believe I am a victim of identity theft due to multiple security breaches on my personal accounts. I am requesting the incorrect information is removed and blocked immediately.
Consumer complaint received 2019-01-17
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (NJ)

I received an alert that my account was closed. I then called XXXX XXXX and told that my credit card account was suspended because of a return payment of {$64.00} on XX/XX/2018. I then contacted my bank and this was returned not because of my mishandling but due to my banks. I have a letter from my bank stating this and I would like my account to please be re-opened.
Consumer complaint received 2019-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NY)

There was a late payment that showed up incorrectly for my wells fargo credit card in XX/XX/2015. I paid the balance always on time and never any payment from either my wells fargo or other credit card ( I have 10+ credit card ) I made several calls and the bank disagreed to fix the issue. Why should I delay a payment on the a XXXX credit limit card while I always pay on time for my credit card with 30K+ limit
Consumer complaint received 2019-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ARVEST BANK GROUP, INC. (OK)

On XXXX I deposited check XXXX for XXXX electronically. The full amount was deposited into my account on XXXX On XXXX My purse was stolen out of my car and I called to notify Arvest of potential fraud on XXXX. I canceled my debit card and requested a new one. 

On XXXX Arvest pulled XXXX from my account stating it was a duplicate. That day I called to notify Arvest that is wasnt a duplicate and my employer rejected the second check. I was then informed after those funds had been withdrawn that it was deposited into an account at XXXX XXXX XXXX on XXXX. 

Falsely endorsed and deposited into a fraudulent account. Identified by XXXX XXXX XXXX. I have submitted documents from my employers bank stating it was fraud and they only honored my first deposit which had been in my account over 30 days. I also submitted police reports including proof this was fraud. 

Arvest has failed to acknowledge fraud after filing 6 different disputes and refuses to return my funds. Also failed to flag initial fraud on my account when duplicate check was identified. 

I have included the supporting docs and screenshots of Arvest site and how to deposit electronic funds. It does not state that the owner of the check is responsible for the loss if fraud is attempted on a second deposit nor does it state mobile deposit must be written on the back of check or customer will be held liable.
Consumer complaint received 2019-01-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (IL)

National Credit Systems is reporting a collection account on all 3 credit bureaus credit reports. I sent them a letter on XX/XX/2018 asking for them to VALIDATE the debt. I also disputed the account with all 3 credit bureaus in which they stated the account was verified however I had not received any validation from them. They violated the FDCPA in which they continued to report an unvalidated debt. I sent them a follow up letter on XX/XX/2018 to advise them that they were in violation for continuing to report an unvalidated account and to advise them that they had failed to send me back required information that I requested. At this time, they have yet to send me any documentation but are still reporting this account. I am demanding them to comply with Federal law, and delete this account as they have failed to send me information to prove this account is mine.
Consumer complaint received 2019-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX/XXXX  XXXX  listed multiple 30/60 day late payment on my credit report from XX/XX/XXXX to XX/XX/XXXX. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX, Equifax and XXXX. Please remove the 30/60 day late payments from my credit reports.
Consumer complaint received 2019-01-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (FL)

On XX/XX/XXXX XXXX XXXX XXXX Debited me {$690.00} From Company XXXX/Google. I realize the claim for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX $ XXXXx11 Months despite to my claim, en several time it was ignored ... XXXX XXXX XXXX Do not understood ... And confused me with letter different to my real complaint. 

$ XXXXx XXXX= XXXX by a service that I never Authorized or was authorized. 

As XXXX  XXXX XXXX do not paid attention to my complaint or claim. I decided no continue with my claim, but I see it as a BULLYING TO THE CLIENT. 
BY PART OF GOOGLE/XXXX OR XXXX  XXXX XXXX ... I BELIEVED ... 

TODAY OBSERVING MY ACCOUNT XX/XX/XXXX THE BULLYING CONTINUE. 
OTHER FRAUD CHARGE OF {$690.00} PAID TO GOOGLE ... .QUESTIONS ... WHAT BOUGHT MR.XXXX? WHAT ADDRESS WAS USED TO DELIVERY THE FRAUDULENT MERCHANDISE OF {$690.00}?
Consumer complaint received 2024-11-16
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. (CO)

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized. 
Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Consumer complaint received 2019-01-17
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. (FL)

Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX As required by FACTA and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA,  that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely,
Consumer complaint received 2024-11-16
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. (MA)

As outlined in FCRA Section 605B ( a ), credit reporting agencies must expeditiously remove any information labeled by the consumer as originating from an alleged case of erroneous activities, no later than four business days from the receipt of this notification. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

American Express- I have been removed as an authorized user as of XX/XX/2018 verified by various calls to American Express with the most recent this month and it is still reporting to all 3 credit Bureaus. They refuse to send the electronic verification to the bureaus.
Consumer complaint received 2019-01-25
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There is no category subscribing to the problem that I am having with TransUnion credit bureau. 
I notice on XX/XX/XXXX XXXX XXXX credit card account XXXX paid and closed, last activity XX/XX/XXXX. The positive account had been removed from file on XX/XX/XXXX the score drop 72 points from XXXX. I understand that positive accounts from last activity is 10 years on credit file. XX/XX/XXXX the account would drop off credit file. The positive account is still on XXXX  and XXXX. 

I had called Transunion twice today and XXXX XXXX. I had gotten the run around by both parties. Can not add the good credit back on to my file. XXXX XXXX had nothing to do with the account being deleted.. TransUnion refuses to ad the positive account back on to my credit file.
Consumer complaint received 2024-11-16
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. (GA)

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2019-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (DC)

I was flying from XXXX XXXX to Washington DC, using travel points earned through my Chase Sapphire Reserve Card, booked for Sunday XX/XX/2019. I found out about 8 hours before my flight, that it had been canceled in XXXX. Chase failed to notify me of this, and did not provide the airline my contact information, so they could not notify me. From what I understand, this failure to notify me is illegal. 

I tried to book new flights through Chase, but their international travel help line hung up on me several times on XX/XX/XXXX. I ended up getting alternate flights through the airline. However, instead of a direct flight with 5 hours of travel time ( which I paid a {$200.00} premium for ), I had a layover, landed in a different airport than intended, and had a 15 hour travel day.

I submitted a claim request to Chase for reimbursement for the premium I paid for this flight, extra cab fare ( my new flight landed after the metro closed ),  extra meals, and my time. However, Chase responded to me on XX/XX/XXXX and told me they would not do anything to fix the situation. Thus, I am reaching out to the CFPB. 

Thanks!
Consumer complaint received 2019-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX/XXXX  XXXX  listed multiple 30/60 day late payment on my credit report from XX/XX/XXXX to XX/XX/XXXX. This information is incorrect and negatively affecting my credit report. This is reporting on Experian, XXXX and XXXX. Please remove the 30/60 day late payments from my credit reports.
Consumer complaint received 2019-01-17
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. (GA)

-XX/XX/2018 a Dispute was open for 3 unverifiable accounts. Within 30 days a response was received as UPDATED and/or VERIFIED. There was no verifiable proof ( an original consumer report with my signature on it ) mailed or emailed to me. 
- XX/XX/2018 a second Dispute was opened where I have requested that the VERIFIED and UPDATED account are sent to me with proof of my signature on the Original Consumer Report. Within 30 days of the dispute A response was received Consumer Disagrees I have yet To receive the original creditors documents with my signature but the account still show on my credit report. 

As for TRANSUNION - The same has happened as stated on XX/XX/2018. 

On XX/XX/2018 a second dispute was opened and I have not heard from TRANSUNION since the Dispute response for XX/XX/2018
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Pendrick Capital Partners Holding, LLC (NV)

I asked them if I could pay this debt or a settlement would they do a pay for deletion. They said yes. They did not keep there word. I paid this debt and they said they would delete it from my credit report. All  XXXX  bureaus. It 's still reporting on my credit report. The account was paid. I then received a letter in the mall saying Please be advised that this office repres ents Patrick capital partners con cerning the above preferred account originated from  XXXX   XXXX   XXXX   XXXX  According to our client on his record there is a balance due of them out at {$340.00} this will acknowledge and I was a report of your settlement payment amount at  XXXX  on  XXXX   XXXX ,    2017 thi s account is being said or close by our office thank you for resolving this matter yours truly  XXXX   XXXX   XXXX  ... This is NOT what I asked for.
Consumer complaint received 2019-01-25
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: Experian Information Solutions Inc. (OH)

To Whom It May Concern This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where the following companies are in compliance with OHIO LAW. The following account are still unverified : XXXX XXXX XXXX Balance {$750.00}, {$510.00}, XXXX XXXX XXXX # XXXX These account are in error. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts If you do not remove this items in a timely matter I will file a law suit under section 617 under the color of the law.
Consumer complaint received 2019-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (FL)

Because SunTrust bank has repeatedly under managed our escrow account for home insurance we selected a new home insurance company and paid our annual home insurance premium in advance in XX/XX/XXXX. 
During XXXX and XX/XX/XXXX we repeatedly advised the bank of our action and requested they close the escrow account, refund any escrow balance, and stop collecting insurance payments. 
The Loan Officer said we needed to contact the Insurance department and the insurance department said we needed to contact the Loan Officer. 
We did what they said and provided proof of the insurance policy, its coverage ( in excess of the loan amount ) and showing the bank as designated mortgagee. 
On XX/XX/XXXX we received a letter dated XX/XX/XXXX requesting us to cancel the insurance policy and deposit any refund into escrow. 
We want the bank to close the insurance portion of the escrow account, refund any escrow amount for insurance and stop charging form insurance amounts.
Consumer complaint received 2019-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX listed multiple 30/60 day late payment on my credit report from XX/XX/XXXX and XX/XX/XXXX. This information is incorrect and negatively affecting my credit report. This is reporting on Experian and XXXX. Please remove the 30/60 day late payments from my credit reports.
Consumer complaint received 2019-01-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (MO)

I have lived in a house for 12 years making XXXX plus a month payments. became XXXX and XXXX XXXX and could XXXX XXXX XXXX due to DOT rules. 
The company worked me into another area where there was no overtime and very less pay. I soon got behind on my FHA loan with CITY Mortgage loan # XXXX I filed for a loan modification that would allow me to do a quick sale on the house. They wanted me to refinance me at a lower rate if I signed another 30 loan, after I have been paying for 12 years into my previous 30 year note. 
They have assigned me 3 different agents since XXXX of 2018. The current specialist is the worst. XXXX XXXX XXXX He is impossible to get ahold of and never returns calls or emails. When I did get ahold of he he asked if he could call me back he was with another customer. 
Over the 3 agents I constantly submitted documents and with each new agent the process started all over again. 
I hired a real estate agent " XXXX XXXX XXXX '' and she put the house up for sale and has an offer on the house. For 2 weeks and they hire an attorney to foreclose on my house while they are working with me to sell it! This is a case of " DUAL TRACKING ) and it is Illegal.
Consumer complaint received 2019-01-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Bridgecrest Acceptance Corporation (NC)

I am a co-signer on this loan which is now in good standing ; I would like to be removed from this loan ; as i am trying to purchase my first home. When I co-signed for this loan with my ex-husband ; I thought that I was still married. It wasn't until after I co-signed with him ; that I found out that I was divorced. He divorced me in another county ( 100 ) miles from me in XXXX County ; stating that he couldn't find me, which was a lie ; he had already started a new relationship. I found out by getting a call from his girlfriend that I was divorced now. If I would have known that I was divorced from him, I would have NEVER co-signed on that loan. The only reason why I was added to the loan was because he just started his new job and needed someone who was on the job for a longer period of time. When he left, he left me and my children with nothing, cleaned out all of the accounts, and we lost everything. I have worked really hard to build my credit up and pay off thousands of dollars of debt to get to a place where me and my children can finally get out this apartment. I am begging to be removed from this loan ; he has been on the job for 2 years +, and he's making payments on time ; and paying additional each payment. I dont drive the car ; nor have I ever driven it. I dont even know where its at. Please remove my name from the loan ; as I will not be able to move into my own home with this removal. What can be done here? Please, help me.