davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-04
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. (NY)

I obtained my credit report online and based on my findings there was a U.S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The Bankruptcy Courts have mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U.S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the U.S. Bankruptcy Courts confirmed the three reporting Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.

The Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

I made two payments to my chase freedom card, and one payment to my chase business ink card, then a day later chase closed my account. No warning, nothing. I have never missed a payment on either card. I have been a loyal Chase customer for years. I was planning on paying off both cards within the next month. I need my credit cards to be re-opened, as I will not have such high credit utilization on them again.
Consumer complaint received 2016-02-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (CA)

This is the second appeal regarding our mortgage at XXXX and Seterus. After two years of losing docs from us and then losing our file and delaying our efforts at foreclosure and/or deed-in-lieu, Seterus now claims they ca n't foreclose or grant us a deed-in-lieu or a modification because they " just discovered '' a lien on the title. Our loan had been sold and resold from XXXX to XXXX to Seterus, the last one, XXXX to Seterus, with XXXX failing to file a reconveyance. So, XXXX still can claim our title and Mortgage? Except now XXXX is out of business and someone from that 'out of business ' company may still have the original legal mortgage that my wife and I signed. How did Seterus " buy '' it without clear title from diligent professional title check? This started when XXXX and my wife and I being hit with XXXX bills and asking Seterus for help. Are we being conned or played by unscrupulous real estate/mortgage gimmicks?
Consumer complaint received 2023-06-09
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (TX)

A late payment for mortgage loan was reported in XXXX XXXX for my XX/XX/XXXX payment. This item is inaccurate due to the following reason : I made my payment for XXXX through the app as I normally do. Unbeknownst to be there was an issue in system. My payment information is saved in the system so that I can make my payment each month. Only one payment account was saved the system to make my payment.. As the app only show the last four ( 4 ) digits of the account you are paying from, which showed the correct four digits of my checking account. I made my payment as normal. Approximately 7 to 10 days later, on XX/XX/XXXX, I received notice that my XXXX payment was returned, and a person showed up to my house to make sure it was secure! I had more than enough funds in my account for my mortgage payment therefore I called LoanCare to get this resolved and discovered that there were two checking accounts listed in my loan account both of which had the same last four digits but not the same beginning account numbers. XXXX with account services assisted me in getting the payment made through the correct checking account, waived the retuned check fee due to the error by LoanCare then transferred me to XXXX in the LoanCare webservices division to get this resolved. XXXX worked to get the incorrect account removed but was unable to at the time. A request ticket was made to get this situation resolved, in the meantime I named the accounts good and bad so as not to get them confused for future payments until the bad was removed by LoanCare. 

LoanCare continues to deny my complanit and resolve the issue by simpliy removing the late payment on my credit report. This is ruining my report and causing issues for a potential job move. My conversation with XXXX XXXX, a LoanCare escalation XXXX, on XX/XX/XXXX told me it was my choice to use the app or web to pay my bill and that if the XXXX XXXX department has denied this then that it. Use another method. Even though none of this was my doing I was basicaly told it was my fault.I was given no other person to speak with. This was an internal issue with LoanCare 's systems that I never had a problem until that day now it my fault for thier mistake.
Consumer complaint received 2023-04-11
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. (CA)

I just looked at my consumer reports and noticed an account that needs to be deleted. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never provided written consent to report the account : XXXX XXXX XXXX  Account XXXX : XXXX. Please investigate and provide proof that I authorized the reporting of this information. If proof can not be provided I demand this account to be deleted from my TransUnion consumer file.
Consumer complaint received 2024-08-06
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: EQUIFAX, INC. (TX)

I'm writing to communicate my anxiety in regards to the contested records on my credit report. On different occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be totally examined. Notwithstanding my endeavors, I presently can't seem to get any goal or restorative activity. These incorrect records are seriously harming my credit document and frustrating my capacity to carry on with an ordinary life. The adverse consequences of these mistakes have caused gigantic difficulties for me, and I'm left with no decision except for to argue for your help with amending what is happening quickly. I sympathetically demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the important advances are taken to refresh and redress my credit report immediately. With your assistance, I desire to reestablish the exactness and uprightness of my credit document so I might recapture command over my monetary prosperity. I truly encourage you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue speedily would be extremely valuable. Much obliged to you ahead of time for your comprehension and help.
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am 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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-04-18
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: STATE EMPLOYEES CREDIT UNION (NC)

I am writing this complaint to Nc State Employees C. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NJ)

Hi there first I would like to thank everyone wholl work with Case. So lets jump straight to the business. 
So I bank Wells Fargo on XX/XX/XXXX I notice there some Pending transactions on my account that Nor mine nor Authorized. I dont even know Who doing these transactions so I immediately call the Bank on XXXX on the XXXX XX/XX/year>. Turns out they Dont take care of these transactions verification after XXXX. Then I immediately log in my appps And tried to dispute them but I wasnt able complete the process because Online Says in order to dispute transaction it has to be posted. So I have XXXX XXXX son that I need to taken care of. So I become busy so on XX/XX/XXXX XXXX started dispute all these Transactions which Happen to be XXXX XXXX XXXX XXXX. It was more then XXXX transactions in between XXXX. So wells do let customers dispute over XXXX transactions on single claim So I had to XXXX claim in order to resolve that issue. 
My First Claim No XXXX Dispute amount {$1200.00} Merchant : XXXX XXXX XXXX XXXX NJ My XXXX Claim NO XXXX Dispute Amount : {$690.00} Merchant : XXXX XXXX XXXX XXXX NJ Right After submitting these claim I got some Additional email stating that my claim is Opened and The bank will investigate it and Hopefully Resolve this issue within 10days.

But if they Cant reach final resolution on 10th days theyll apply Temporary credit to my Account until final determination. 
On XX/XX/XXXX XXXX XXXX XXXX XXXX I got Temporary credit for My XXXX claim which is {$690.00} Right after XXXX hour around XXXX oclock I log back In To my Wells Fargo Apps and I find they denied and Close my First Claim. 
This is Horrible and Sickening. This is not My Transaction nor Im affiliated with Any Company Named XXXX XXXX. 
So If they apply temporary credit on my XXXX Claim For {$690.00} why They Declined my First claim which both are the same Merchant dispute. That does not make any sense. Or they Handle claim In process of Amount based not A true investigation and Taking care of their customers. 
Long story XXXX love To Answer or Provide any Further details and Documents if needed
Consumer complaint received 2023-06-20
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. (OK)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Block, Inc. (OH)

CashApp is a popular and widely used financial service where people can receive funds and send funds and can make purchases using a card provided by CashApp and have those purchases refunded to the same card as well as adding and withdrawing funds using a variety of methods including transfer via debit/credit charge to non-CashApp card, direct transfer/wire from outside account, or ATM cash deposit. 

What CashApp does not allow is downloading or viewing statements outside of the app, and users are not able to view any records or ledgers of any duration or length of time for transactions under their account. 

I contacted CashApp support for assistance with many issues I encountered using their service, and one of those issues involved a handful of missing and extra transactions. During my initial overview of transactions logged in CashApp I noticed that I had not received funds from refunded purchases, and contacted CashApp support to request a detailed list of transactions. I was informed by multiple CashApp support representatives that they are unable to provide statements or a transaction history and that I could view all transactions under the activity portion of the app. 

My transactions do not balance as currently listed in-app, and transactions that I know had been refunded should have my account balance at a larger amount. CashApp support representatives have declined to investigate, and my requests for documentation from investigations have been denied. I want a list of all transactions made under my account, and I feel CashApp is hiding more than one thing from me.
Consumer complaint received 2023-07-13
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. (NV)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and anxiety. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2023-10-31
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: Experian Information Solutions Inc. (FL)

My credit report is still showing late payments on XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or a customer service representative.
Consumer complaint received 2015-03-29
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CASHCALL, INC. (CA)

So I applied for a {$2600.00} loan XX/XX/2014. The 1st payment of {$170.00} came out of my Checking account and $ 294 monthly following that. I suffered insufficient funds in my Bank account for 8 months which has caused tremendous financial stress and strain to maintain other bills that come during the XXXX of each month.
Consumer complaint received 2021-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY (FL)

I have had the XXXX XXXX XXXX since XX/XX/XXXX and have always paid on time. 

I am XXXX XXXX XXXX and have gone over my limit and they will not increase or process payments quickly. I have called every day this week several times to no avail and I have now cancelled this. I even went and made a XXXX savings and checking account because I would have access to XXXX $ credit, that is not true now because Im over my limit. 

XXXX XXXX XXXX  says its an unlimited card but it is not, and requires you do submit taxes and forms and then the system crashes. 

But the worst one of all is Wells Fargo. They mark you down for fraud, and the fraud department doesnt work on weekends and when they are open during working hours, the lines are busy. I am going to file a formal lawsuit because I was involved in a car crash from the stress and lack of sleep caused by these banks. FDIC should be open 24/7.

Also, hotels can not charge an incidental extra charge. It needs to all be included in the price. How a room goes from {$500.00} to {$850.00} is beyond me. And how my XXXX XXXX room doubled in price at check out is ludicrous.
Consumer complaint received 2020-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (FL)

On XX/XX/2020 I tried to access my online account with SIMPLE, BBVA Bank which requires a text message verification. Unfortunately, what I did not know at the time is that XXXX  ( my phone service provider ) was having technical issues with text message delivery. I attempted several times to log into my account and was " locked '' out of my account. 

There was is NO back-up method offered to access the account. the only option was text message and without access to that service, there was NO other way to try to access the account. Then as I was LOCKED out of the account, I completely lost access to over {$3000.00} in deposits in my checking and savings accounts. I called the company and there is no after hour service, technical help, or way to verify to regain access. 

On XX/XX/XXXX, I called the bank to get access to my account. They VERIFIED that I am in fact the customer and then told me that THERE IS NO WAY TO ACCESS THE ACCOUNT. The representative said he thought it was " XXXX '' but that there is nothing he can do to give me access to the account until some " automated system '' in some other bank, releases the account LOCK. 

I can not access my own money because of a ridiculous technical lock that was obviously programmed by the bank without considering the consumer. There needs to be SOMETHING that protects the consumer from losing access to the account in the event they can not use text messaging for whatever reason. A text message should NEVER be the ONLY way to access an account at an FDIC insured financial institution. 

If you can not receive a text message, this bank holds your money RANSOM and then blames it on an illogical SECURITY measure that PREVENTS consumers from accessing their own money. 

I should have been provided IMMEDIATE access to my OWN account the second that they verified that I was the account holder.
Consumer complaint received 2015-04-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

I have an account with XXXX I opened an account to them back in XXXX for a furniture cost {$4600.00} and agreed to pay {$140.00} monthly payments and have financial struggle back in XXXX for at least 6 months and I tried to catch up with all my bills and they agreed to accept my payment arrangement to pay them for {$140.00} XXXX last payment was made is {$140.00} for the month XXXX XXXX and my remaining balance is {$1100.00} and COMPANY REFUSED TO UPDATE MY CREDIT REPORT REFUSED TO UPDATE MY BALANCE ON MY CREDIT REPORT IT SHOWING THAT I OWED {$2000.00} ISNTEAD OF {$1100.00} AND I AM PAYING THEM MOTNHLY COMAPNY SAID HTEY WILL ONLY UPDATE MY CREDIT REPORT IF I PAID IT IN FULL REGARLESS OF MY BALANCE RIGHT NOW.. I dont thind this is fair for me that I am trying to pay my bill to them same as my other outstanding bill I hope I can get this fix
Consumer complaint received 2017-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (MO)

Navient ( formerly known as XXXX ) refused to release any substantial evidence on my loan while it was being paid for. They would only release my monthly statement and refused to issue in writing any records to indicate all transactions made to date so I could reference the paperwork to determine if I was being charged an accurate amount on interest or if my payments were being applied to the principal correctly. This does not seem to be legal as it negates in my ability to insure my loan is being treated fairly.
Consumer complaint received 2017-01-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MO)

XXXX and Equifax also has the BK reporting incorrectly. XXXX does not have on their report and should not BK was dismissed and closed XX/XX/XXXX. They have confirmed somehow that is has been discharged. 
I will upload all documents I have : Please review and update supplement : BK case was never discharged. Discharge Waiver This case was then reopened XX/XX/XXXX and then terminated XX/XX/XXXX BK case closed/dimissed XX/XX/XXXX XXXX case was closed without a discharge of debts. Then, a pre-bankruptcy asset was discovered, so the case was reopened. Then, the asset was liquidated and distributed to creditors, and the case was re-closed -- again, without a discharge. That is the correct procedure. 
XXXX 
XXXX 
XXXX, MO XXXX Phone : XXXX
Consumer complaint received 2024-08-01
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: EQUIFAX, INC. (AR)

I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.