davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (NY)

I bought a Netspend debit card at a XXXX on XX/XX/year> for my son so that he would have spending money on a field trip. I believe the purchase price was {$40.00}. He used it for purchases of about {$15.00}. We didn't use the card over the spring or summer and when I checked the balance online yesterday I saw that I had a balance of only {$6.00}. Apparently Netspend charges a monthly non-usage fee of roughly {$6.00}. So yesterday ( XX/XX/year> ) I submitted online a request to close the account and send me the balance. Then I received an email from Netspend saying there's a problem and that I should call them. So I call this morning ( XX/XX/year> ) and they advise that the account has been closed and there's now a XXXX balance. So I guess they charged a fee to close the account or charged another inactivity fee. Also, I can't log into my account anymore and see or print out any activity. This would seem to violate reporting and record keeping rules. Also, where was the inactivity fee disclosed on the card or container at XXXX at purchase? All in all, I purchased a {$40.00} card and {$25.00} went to Netspend in the form of fees. These people are thieves.
Consumer complaint received 2024-09-24
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. (TX)

I have noticed several unfamiliar items on my credit report, which leads me to believe my identity may have been compromised, as I did not authorize these accounts. I have raised this issue previously and am now requesting that these accounts be removed from my report promptly. Their presence is causing significant stress and misrepresents my true credit history and financial management. This situation has been challenging, and if it is not resolved, I am prepared to take legal action to protect my rights and seek a resolution. 

These incorrect items are severely impacting my financial goals, including buying a home and supporting my family. I trust that we can address this issue swiftly.
Consumer complaint received 2024-10-02
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA (MD)

I am reporting that Marcus by Goldman Sachs is engaged in fraud, identity theft, and criminal negligence. On XX/XX/year>, I received a suspicious text message for an security code at Marcus. I was not familiar with Marcus but quickly learned that it is one of the many online banks that do not practice adequate KYC controls in accordance with the Patriot Act. I called Marcus and learned that an unauthorized individual had opened an account using my identity on XX/XX/year>. The individual has used the same stolen identity information that has been used at other institutions who practice these same sub-standard KYC controls. Marcus depends entirely on self-attestation of SSN, address, phone number, date of birth, and email and makes no effort to verify that the applicant is the bearer of the true identity. In fact I can prove that Marcus does not properly verify these identity facts because Marcus approved the application using my identity with an incorrect date of birth. Marcus does not collect any government issued photo identification, gps location, or live photo verification. These are identity verification techniques that are in common practice across the internet yet Marcus does nothing and so aiding in the perpetration of fraud, identity theft, and criminal negligence. I have reported this to local law enforcement and the FTC via identitytheft.gov.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS (GA)

Being denied credit based off what Lexis Nexis is sending to companies that differs from the XXXX credit bureaus ( XXXX XXXX XXXX ). I did not give Lexis Nexis permission to have my personal information or share my personal information with anyone.
Consumer complaint received 2018-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (FL)

I pay extra money each month on my mortgage. I have let my mortgage company know on multiple occasions that the extra money is meant to go toward paying down principal owed on the load. 

Every few months they reset my account without my consent or knowledge and set my extra money to go toward next month 's payment and not toward paying principal. This does nothing but get them more money due to interest that I'm paying and from being able to take the money that I'm giving them " early '' and investing it for a profit. 

If this was a one time occurrence that would be ok but it happens repeatedly as though they are hoping that customers won't notice that they are being wronged.
Consumer complaint received 2018-02-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC (GA)

To Stop collecting PMI 1. I purchased a house in XX/XX/XXXX with 10 % down payment. 
2. The appraisal value was $ XXXX and the selling price was {$150000.00} 3. The Original Amortization Schedule shows as soon as the property reaches 78 % LTV or on XX/XX/XXXX the PMI of {$77.00} should be automaticall terminated as per Home Owner 's Protection Act. 
4. Nationstar mortgage now Mr. Cooper says that it will terminate automatically my PMI on XX/XX/XXXX. 
5. Honble ' Court has given a ruling in similar case of PMI removal that original terms and conditions of the purchase stands good even in case the loan being modified. No appraisal or BPO is required to remove PMI under Automatic Termination Clause. 
6. Now, when I approached Mr. Cooper they say that in XX/XX/XXXX only they will remove the PMI though my 78 % of the LTV reached in XX/XX/XXXX and currently at 70.07 % LTV. 
7. Mr. Cooper and before that Nationstar mortgage can only remove the PMI after reaching 78 % automatically and can not re-calculate the PMI and keep charging me {$22.00} a month. 
8. I dont know under which provision in Home Owner 's Protection Act they can re-calculate after 10 years and charge me {$22.00} PMI every month 9. Nationstar Mortgage should have stopped collecting PMI of {$77.00} as soon as my loan reached under 78 % which is XX/XX/XXXX or atleast should have stopped collecting PMI as per original amortization schedule which is XX/XX/XXXX. 
10. In their wesite they say that my equity on the loan is $ XXXX and sending solicitations that I can refinance and take cash equity out and they can do re-finance without appraisal also.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2018-03-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (WA)

I am extremely upset at the lack of communication that has gone on with this file. If you could please take a moment to review the message history. As you can see this entire time ive been given half instructions and little clarification, when I ask a question it doesn't get answered further delaying the file, I had asked at least 3 times if the XXXX and listing history we provided would suffice as the property was on the market a long time with a previous agent so it was on the market at least 7 days but with this agent and XXXX it was only 5. Never any clarification until today when a mls was requested again, corrections to documents for property address were provided several times, etc. I cant seem to get customer service to speak to me on this account either.
Consumer complaint received 2024-10-10
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: EQUIFAX, INC. (FL)

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account NumberXXXX Creditor Name : XXXX XXXX XXXX Dear CFPB, I am writing to formally file a complaint against XXXX XXXX XXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ).

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX XXXX . Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law.

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report.

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX XXXX XXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA.

Request Therefore, I request that the CFPB investigate this matter and require XXXX XXXX XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect.

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-27
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. (IL)

This afternoon, I was shocked to discover several incorrect accounts listed on my credit report with no explanation. Ive always kept an eye on my credit, and seeing these inaccuracies come out of nowhere was incredibly concerning. I even tried refreshing the page, thinking it might be a technical issue, but that didnt change anything. I urge you to carefully check the documents I've sent so that I dont have to face this kind of stress again.
Consumer complaint received 2024-10-27
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. (GA)

After reviewing my credit report, I discovered items that I did not recognize or apply for. Upon further investigation, I realized my personal information was exposed in more than one data breach. I have no recollection of applying for this account in question as they are negatively impacting my credit. I am demanding these inquires be removed from my credit report ASAP.
Consumer complaint received 2024-10-28
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. (NJ)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXXXXXX : {$0.00}
Consumer complaint received 2024-10-28
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. (FL)

Account XXXX Dear Sir or Madam : I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX [ Identify item ( XXXX ) resulting from XXXX that should be blocked, by name of the source ( such as the credit card issuer or bank ) and type of item ( such as credit account, checking account, criminal conviction, utility account, etc. ). It may also be helpful to include XX/XX/year> and XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Sincerely, XXXX XXXX
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2024-10-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/year>, I discovered a fraudulent transaction of {$1400.00} made from my XXXX XXXX account. An unauthorized individual from XXXX accessed my account and transferred the funds without my knowledge or consent. The funds were sent under the name of a third party and paid out in XXXX XXXX XXXX. 

I immediately contacted XXXX XXXX to file a fraud claim and also filed a dispute with Wells Fargo, as the funds were withdrawn from my checking account. Despite providing complete details of the fraud, Wells Fargo closed my claim. I later received a letter stating that the case was closed because " Based on the information you provided and additional information from the merchant, we found the charges were made by you or someone who had your permission. '' Upon contacting Wells Fargo to follow up, I was informed that the claim was closed because XXXX XXXX confirmed that the account was mine. This indicates a misunderstanding, as the issue was not the ownership of the account but rather that unauthorized transactions were made. 

On the day the fraud occurred ( XX/XX/year> ), I was alerted to the fraudulent activity by XXXX XXXX fraud detection system. Upon discovering the unauthorized transaction, I immediately XXXX my card. As a result, the perpetrator attempted to charge my card multiple times through XXXX ( XXXX XXXX ) to send themselves more money, but all subsequent attempts were declined. 

I have since filed a police report with the XXXX XXXX XXXX Police Department and an IC3 complaint. I am requesting that Wells Fargo reopen my dispute, as this was a clear case of fraud, and I have provided all necessary documentation to support my claim.
Consumer complaint received 2024-10-10
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: EQUIFAX, INC. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX I am writing to dispute fraudulent information on my credit report in accordance with XXXX U.S.C. XXXX, and to request that this information be blocked. I have attached a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, when a consumer provides an identity theft report, credit bureaus must block any information identified by the consumer as a result of the identity theft within four business days.

The following information on my credit report is the result of identity theft and must be blocked : Account | Account Number | Date Opened CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by XXXX U.S.C. XXXX, please block this fraudulent information from my credit report immediately. This information must remain blocked for XXXX year, after which I can request an extension. During the blocked period, no fraudulent accounts or inquiries should be reported. 

I have contacted Equifax multiple times regarding these fraudulent accounts and inquiries on my credit report, and no solution has been provided. I am deeply affected as this information is not mine and it is harming my creditworthiness. I request all documentation proving that these accounts and inquiries are legitimate. I have requested a response from this agency, and after more than 60 days, I have received no response. 

Please assist me in removing these accounts and inquiries immediately. I am attaching the FTC report, hoping it will help you make a better decision regarding my situation. Thank you. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-10
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. (PA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) I am asking that you verify as accurate.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (TX)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. The items in dispute are as follows : ITEMS TO DISPUTE Personal Information 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 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/XXXX
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SAN DIEGO COUNTY CREDIT UNION (CA)

This company has violated my rights based on the FCRA laws. The congressional findings of the fair credit reporting act states that the consumer, me in this situation, has a right to privacy. My privacy has been eroded and severe burden has been placed on me and my family. I believe this to be willful noncompliance at this point.
Consumer complaint received 2023-07-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (OR)

The scam occurred through a phone call where the scammers falsely claimed to be from the US Marshal 's Investigation. They alleged that a package containing illegal substances and identification cards had been discovered in the state of Texas, implicating me. I fell victim to their manipulation and was deceived into thinking that I was in trouble. Believing the scammers to be government officials, I was coerced and threatened to follow their instructions, which involved withdrawing money in cash from my bank account from Wells Fargo and transferring it to a third-party kiosk and cryptocurrency ( bitcoin ) while maintaining secrecy. 

Upon realizing that I had been scammed and lost all of my hard-earned money, I immediately contacted my local police and was told that the FBI have received this report. Unfortunately, the officer from the XXXX State Police informed me that it was highly unlikely that I would be able to recover my funds. Furthermore, my claim to the bank was denied, and I faced the harsh reality that such scams commonly target elderly individuals. I have learned a valuable lesson from this experience and now understand the importance of being extra vigilant. It has also become apparent that people can unknowingly fall prey to scams due to their lack of awareness.
Consumer complaint received 2023-07-04
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: EQUIFAX, INC. (NM)

On XX/XX/2023, I was contacted by XXXX at XXXX XXXX ( XXXX XXXX XXXX ) regarding an inquiry I submitted regarding a used vehicle. She offered to submit a pre-qualification for me. I provided her my personal information over the phone. I asked if this would be a hard credit pull and she replied it would not be. 

On XX/XX/2023, I discovered a hard credit pull on my Equifax credit report from XXXX XXXX XXXX in XXXX XXXX TX with the same business address as XXXX XXXX. I called XXXX at XXXX MT and asked for clarification. She emphatically denied the credit report was a hard inquiry. I reiterated that I did not consent to that nor was my consent requested to do so. I was told she would ask her manager and call me back. I sent a text message to her business line with a screenshot of the inquiry and a request to remove it from my report. She declined my request and told me to dispute it instead. 

After using the keyword stop to unsubscribe to the business messages, she proceeded to text message me from a different number to reiterate the refusal.