davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are 6 accounts on my credit report that do not belong to me I have not approved authorized or used these accounts I need this off my credit reportr ASAP!!!! 

XXXX/XXXX  XXXX  - Account # XXXX Amt {$2200.00} XXXX XXXX - Account # XXXX Amt {$830.00} XXXX XXXX XXXX XXXX - Account # XXXX Amt {$3400.00} XXXX XXXX XXXX - Account # XXXX Amt {$1100.00} XXXX  XXXX XXXX XXXX - Account # XXXX Amt {$300.00} XXXX, XXXX - Account # XXXX Amt {$130.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AmeriCollect (FL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-06-30
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. (CA)

There are 5 accounts on my credit report that do not belong to me they are not mine they have not been signed authorized or used by me!!! 
I need these accounts off my credit ASAP!!! 

Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account
Consumer complaint received 2021-06-29
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. (GA)

I have tried several times to let the bureaus know there were fraudulent accounts listed on my report. According to law these items must be removed. I did not consent to any of these items that are placed on my report. I was denied employment several times because of my report and I noticed these inaccurate items are hurting me the most.
Consumer complaint received 2021-06-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/2018 my Bank of America account was closed due to actions that were not made by myself. From XXXX I have been a victim of identity theft. I believe the actions on this Bank of America account to be the actions of this. Identity theft has been reported and is on file for my name and social with all the correct agencies. That being said I ask that this reported information please be removed from my name ASAP. Thank you
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I purchased my triple credit report on XXXX I don't understand why these 3 bureaus have totally different information, inaccurate, Inconsistent information if the information came from one creditor.

It has several FCRA Violations From XXXX XXXX XXXX XXXX : It's inaccurate and inconsistent, it's not reported the same as required by law.

1. Date of Last Activity inconsistent/Inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  2. Payment History : Inconsistent & Inaccurate CO has been reported 17 times on XXXX but It was charged off one time.

NO payment history on XXXX, it's inaccurate XXXX XXXX days late : XXXX XXXX XXXX XXXX  days late.

This should be the same on all 3 bureaus 3. Close Date Inconsistent/ Inaccurate ; XXXX XXXX, XXXX  No DateXXXX XXXX NO Date 4. High Balance Inconsistent/ Inaccurate ; XXXX XXXX XXXX XXXX XXXX XXXX  5. Terms : Not Listed on XXXX XXXX or XXXX
Consumer complaint received 2021-06-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (KS)

I reuested a forebareance period for Covid reasons beginning XX/XX/21. I was approved and used the entire period, making a full mortgage payment on XX/XX/21. 

Prior to emgering from forbarence the lender electronically offered me a loan modification, to deal with the missed payments during the forebareance, and offered to lower my interest rate and extend the lenghth of my loan. 

Under the CARES act it was my impression that the lender was required not to report negative information to the credit bureaus during my forbareance period. Now, after the offer of modification, I have found that in fact my credit has been adversly affected throughout this entire process. 

The full payment I made at the end of my forbareance period has been placed in suspense. I am going to be reported as paying late. Also my load modification itself will lower my credit rating, even though I paid a full, unmodified payment at the conclusion of my forbarence period. 

Even the way the forbareance was reported, during the forbareance period negatively impacted my credit, as the bureau used the lack of a payment in the prior cycle as evidence of a lack of credit worthiness. 

I have not missed a payment on any loan of credit instrument in over ten years. I have also taken steps to improve my credit worthiness by paying off and closing over half my credit accounts in the past year. 

In spite of this, I have a credit score ( on most bureaus and instances ) of below 600, making me ineligable for most types of credit. 

In XXXX I was hospitalized for two months, and missed three months of work. I paid every bill durning that period, and only took the forbareance with the understanding that my credit would not be affected by Federal Law. 

Because of this issue, I am unable to refinance my home, even though I have over {$85000.00} in equity. I can, however, sell my home, and use the profit as a way to pay off all my debts, and right my credit. 

So I have decided I will sell my home.
Consumer complaint received 2021-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/21 I tried repeatedly to withdraw {$160.00} from my Merill XXXX brokerage account which is held as cash in their deposit program ( ML Direct Deposit Program ). The system will not allow me to withdraw my withdrawable funds and says Were sorry, we can not complete the request at this time. Please try again later. 

I suspect they are purposefully creating friction for users to withdraw their funds. I have noticed similar practices and patterns with Merill XXXX making the process to link a non-Bank of America account extremely convoluted and difficult in order to steer customers to opening a BoA account.
Consumer complaint received 2021-06-29
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-06-29
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. (MD)

XXXX 's reported my credit card had late payments. I never made a late payment and requested written documentationXXXX I therefore closed the account. I need to have the late removed from credit immediately.
Consumer complaint received 2021-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (CA)

Comenity XXXX  XXXX XXXX to XXXX XXXX Credit Card. never published the ending date of my promotional period. Called and emailed them on several occasions and was never given an answer. Received my bill this month with interest charges.
Consumer complaint received 2021-06-29
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: WELLS FARGO & COMPANY (MI)

all list accounts and inquiries are fraud and are on my credit reports. 


WF/XXXX XXXX Date opened - XX/XX/XXXX Account number - XXXX balance - {$7700.00} XXXX  XXXX XXXX Account number - XXXX Date opened XX/XX/XXXX balance - 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 2021-06-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MD)

U.S. Bank sent me two escrow shortfall statements within months of each other. In XXXX, my mortgage insurance was supposed to be removed. I was advised this a year ago by a U.S. Bank employee. I contacted U.S. Bank in XXXX and they sent a letter advising the mortgage insurance would be removed. Thereafter, my payment went down approximately {$220.00}. However, I received an escrow shortfall statement advising {$100.00} would be deferred over the next year ( which would increase my monthly payment ). I paid it in full and delineated it to be applied to the escrow. Thereafter, not even two months later, I receive another escrow shortfall notice, now advising {$190.00} is due. I just paid the {$100.00} in XXXX! I called and spoke to a rep who was unsure of what was going on, advised continuously that she had to look over my records, said it was due to the mortgage insurance being dropped, and just seemed so unsure, I figured I'd send an email. I sent an email the same day, around XX/XX/XXXX or XXXX, and to date, I have not received an answer from U.S. Bank. I advised them they collected mortgage insurance from me for months when it should have been removed, and hit me twice for a total of {$290.00} for an escrow shortfall but won't answer me about why they collected mortgage insurance longer than they should have. I emailed twice and to date have not heard back. Also, the U.S. Bank website in my account doesn't show the emails I sent, only the ones they send. I'm so disappointed. I've maintained a good payment history and relationship with U.S. Bank and feel they can at least dignify me with a response to my concerns. I don't understand this process and asked for clarity but they refuse to answer me. Is this something a lender can do? Charge me a shortfall twice, within two months. They tried to increase my payment more than {$20.00} after removing the mortgage insurance ( first shortfall of {$100.00} and the second of {$190.00} ). Is this normal? Why is it fair that they can collect mortgage insurance for months after I met the equity requirements to have it removed, and then come to me twice to increase my payment? This isn't fair to me.
Consumer complaint received 2021-06-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (MA)

I keep receiving a letter from Credit Control , LLC and they keep asking me to pay an alleged debt that I have no information or recollection of. This information is hurting my credit report and is false and misleading. 
According to 15 USC 1692e False or misleading representations a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. This debt is not validated after multiple validation requests.
Consumer complaint received 2021-06-29
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: WELLS FARGO & COMPANY (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 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: W&A Intermediate Co., LLC (TX)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-09-10
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 XXXX Credit Bureau : TRANSUNION Account Type XXXX 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 XXXX XXXX, which has been marked as a " charge-off. '' Upon reviewing my credit report, I have found the following discrepancies between the credit bureaus TransUnion, XXXX, and XXXX : TransUnion : Highest reported balance : {$350.00} Current balance owed : {$260.00} Payment status : Closed, reported as " Collection/Chargeoff. '' Credit limit : {$250.00}. 
Reason for closure : " Account closed by consumer. '' XXXX : XXXX reported balance : {$0.00} Current balance owed : {$260.00} Payment status : Closed, reported as " Collection/Chargeoff. '' Credit limit : {$250.00}. 
Reason for closure : " Credit line closed at consumer request. '' XXXX : XXXX reported balance : {$260.00} Current balance owed : {$260.00} Payment status : Closed, reported as " Collection/Chargeoff. '' Credit limit : {$0.00}. 
Reason for closure : " Unpaid balance reported as a loss by the creditor. '' These discrepancies show significant inconsistencies, particularly regarding the highest balance, credit limit, and reasons for closing the account. TransUnion and XXXX report a credit limit of {$250.00}, while XXXX reports no credit limit at all. Additionally, the reasons for closing the account vary : TransUnion and XXXX indicate that the account was closed at the consumer 's request, while XXXX reports it as a loss for the creditor. These differences violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires credit bureaus to ensure maximum possible accuracy in the information they report.

Moreover, 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 found negatively affect the accuracy of my credit history and do not adequately reflect my financial situation.

I request that, in compliance with the FCRA and TILA, you investigate this dispute and remove the inaccurate information, including the charge-off, from my credit report. The discrepancies between the credit bureaus show that the reported information is not accurate. Please send me the results of your investigation and a corrected report as soon as possible. 

I have attached copies of my credit reports showing 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 2021-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (MN)

I had a previous Discover credit card account that was discharged in bankruptcy court under Chapter XXXX bankruptcy on XX/XX/2020. I have applied for a Discover Secured credit card so I can build my credit. Discover keeps denying my applications for credit due to the previous Discover credit card account I had with Discover and the fact, the previous account was discharged in bankruptcy court. Discover is discriminating against me by denying me credit. Thiss a major infraction and violation of the Equal Credit Opportunity Act ( ECOA ) under federal law. A representative from the U.S. Department of Justice informed me they are going to investigate my complaint against Discover and open up a federal investigation into Discover business practices.
Consumer complaint received 2021-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

I am writing this asking for help to get my $ XXXX dollars back which Well Fargo bank took away from my bank account by mistake. 

My wife deposited a cashier check of $ XXXX to our Wells Fargo checking account on XX/XX/XXXX and our balance increased by $ XXXX as supposed to be. However, on XX/XX/XXXX, Wells Fargo deducted $ XXXX from our account saying " Mobile Deposit Check Posted Twice ''. Per the conversations with Wells Fargo multiple times, they said they saw duplicated deposits on both XXXX and XX/XX/XXXX ; however, our bank statement doesn't have any transactions on XX/XX/XXXX and my balance NEVER went up to {$40000.00} which WF agreed. I am attaching screenshots to show our bank transactions - it shows no activities on XX/XX/XXXX and only {$20000.00} deposit in XXXX with our balance increased {$20000.00}. However, on XX/XX/XXXX, my account was deducted {$20000.00}. I am losing $ XXXX. 

It's been 13 days since this happened. We have spent hours talking to the bank multiple times but there is no progress on this issue. It caused trouble to our daily life ; We need money to pay bills ... so we have to write a complaint here to hope with CFPB 's help, WF will look into this more carefully and have this resolved ASAP. 

A little background I should explain here. We did make a mistake and deposited this check again to our XXXX account on XX/XX/XXXX ( I didn't know my wife had deposited this check 3 months ago to WF and I saw this check in an envelope and made a deposit to my XXXX account on XX/XX/XXXX ). We received XXXX letter that this check was returned and unpaid. This should be correct and we are expecting {$20000.00} back to our WF account ( I am attaching my transaction here on my XXXX account with {$20000.00} in and {$20000.00} out ). However, when we explained this to WF, WF just kept saying it's because of duplicated deposits happened both on XXXX and XX/XX/XXXX. 

We can not send any documents to WF and we don't know how to explain to WF anymore. So Please help us to get our money back.

Questions to WF - Can WF allow one check deposited twice? WF admitted 'it 's a system error ', but we NEVER seen that 'duplicated ' transaction in our statement and the duplicated $ XXXX has NEVER been added to our balance. Can WF just deducted the amount they thought it's duplicate 3 months later without showing us any evidence? Also, can WF deduct money from our account for a cashier check?

This made us worried and stressful!!
Consumer complaint received 2021-06-29
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: Bread Financial Holdings, Inc. (TX)

I applied for a credit card with my social security card on XX/XX/2021. According to 15 USC 1681a ( 2 ) ( B ), any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device, should be excluded from a consumer credit report. 15 usc 1602 ( I ) states the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, Congress said ANY card. The card that was used was my social security card. It was reported to the credit bureaus as well. They needed my social security card for the application and gave me an inquiry. Its against the law.
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (NE)

I have sent several correspondences to XXXX XXXX about an open end consumer plan asking for an XXXX XXXX of this consumer credit transaction on XX/XX/2021 so that I could dispute the validity of this debt. This transaction is hindering my credit report so I am hoping to check for any billing errors and to see if I was properly disclosed about the use of my credit both pursuant to 15 USC 1601 Truth In Lending Act.
Consumer complaint received 2021-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (UT)

On XX/XX/2021, my credit card information was stolen. I reported it immediately to my bank, Chime. They have reversed all of the transactions but two of them saying they could find no error with the transactions. I filed a police report and notified them that I didn't make ANY of the transactions. They don't care. They say their decision is final. I'm still short for {$100.00} from the money that was stolen from me. Chime will not acknowledge that this was fraud, and still states that they found no error with this transaction, despite the fact that they found " error '' with all the other transactions. As part of their denial, they said I could request all the documents they used to come to this determination. I have requested those documents, and they still have not complied.