davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$380.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$360.00}.
Consumer complaint received 2023-10-21
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Fifth Third bank has a loan advance service similar to payday loans. Loan advances are made and paid back through paycheck direct deposit dates. I have done this a couple of times using my checking account. I initiated an advance on XX/XX/16 in the amount of {$650.00}, agreeing to pay the fee that serves as interest. On the XXXX I transferred money from an external account into my XXXX checking out. Fifth third decided to take back the loan with interest before I could use the money. I called when I saw this transaction pending and asked why. XXXX, the CS rep said per the terms and conditions it was because money was coming into my checking account and apologized. I told him that money that was coming into my account was a transfer and not a direct deposit, he offered another apology. After reading the terms and conditions on my phone which clearly states that payment is collected from a direct deposit, I called XXXX back and asked for a supervisor. After explaining the reason for requesting a supervisor again, XXXX the account supervisor clearly misstated the terms by adding " it's any ACH '' which was not part of the language in the statement I read. I proceeded to end the call since she was giving me pushback and not supporting what was clearly in black and white. The information clearly states I have 45 days to repay the advance.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-10-22
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/2023 Wells Fargo, NA filed a foreclosure complaint against fictitious persons XXXX XXXX, HUSBAND OF XXXX and XXXX XXXX XXXX XXXX XXXX, HIS WIFE ( see attached, Case Details : XXXX | General Equity Docket # XXXX ). I have informed Wells Fargo, NA that i am a living woman, i am a member of the General Public, and i am standing under the Public Law. Mr. Attorney called i a " XXXX Citizen '' ( Mr. Attorney is implementing a propaganda campaign against the peaceful non-combatant people of the states of the XXXX and mischaracterizing them as XXXX Citizens ). Wells Fargo, NA claims that they have all documents to prove standing for the complaint. I requested the original note and mortgage with the indorsements. Wells Fargo, NA has never provided the original documents with indorsements on them. Attorney - XXXX XXXX XXXX XXXX ( substitution of counsel ), court clerk, court administrator, and the judge XXXX continue to conspire against i despite all the evidence of the mortgage fraud i provided ( including Affidavit of XXXX XXXX XXXX - licensed private investigator on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX License # XXXX ), continue to fabricate fictitious documents ( like a copy of the XXXX to the note that had no records of existence before XX/XX/2023 ), robosign documents. XXXX XXXX denied my motion to Compel Discovery and granted Motion for the Summary Judgment to Mr. Attorney even though Mr. Attorney had not answered interrogatories, had not provided requested productions of documents. Mr. Attorney admitted that XXXX XXXX Trust was not named as payee on the XXXX XXXX and mortgage and does not now have rights to the XXXX XXXX . For the XXXX XXXX XXXX to gain rights to the XXXX XXXX , the XXXX XXXX XXXX would have to be named payee ( XXXX XXXX XXXXXXXX ). Why does the judge still moving with the foreclosure and calling living people fictitious entities? 
Public Record of our Political Status, land grand, and cancellation of all powers of attorney can be found in Book XXXX XXXX XXXX XXXXXXXX XXXX ( Pg XXXX - XXXX ) and on the XXXX XXXX XXXX website : 1. Go to XXXX XXXX XXXX  then click ENTER 2. In the box labeled To locate/verify member record, enter : enter the recording number # XXXX and # XXXX 3. Follow the link Go to All Published Documents
Consumer complaint received 2023-10-21
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)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 a account without my written instructions
Consumer complaint received 2023-10-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (FL)

On XXXX XXXX, I got a call, purportedly from my ISP, ( XXXX ) telling me there was a security issue with my Modem/computer, and that they needed remote access. As I eventually figured out, this was a scam, and they established money transfers to several individuals via my PayPal account. 

I contacted PayPal the next morning, and informed them that these transactions were fraudulent. After reviewing, they responded that the transactions were " consistent with my transaction history. Those transactions were in NO way consi8stent in amounts, and several were to foreign individuals, none of which I have even sent money to previously. 

A couple of the transactions were immediately returned, but several were not. The transactions in question are : Paid with ( XXXX XXXXXXXX XXXX XXXXXXXX ) {$150.00} Exchange rate {$150.00} USD = XXXXXXXX XXXX XXXX USD = {$0.00} XXXX Transaction ID XXXX Contact info Message XXXX XXXX XXXX XXXX Details Sent to XXXX XXXX XXXX XXXX XXXX XXXX Fee XXXXXXXX XXXX Total XXXXXXXX XXXX  Paid with PayPal Credit {$240.00} Transaction ID XXXX Contact info Message XXXX XXXX Details Sent to XXXX XXXX {$230.00} Fee {$11.00} Total {$240.00} Paid with PayPal Credit {$260.00} Transaction ID XXXX Contact info Message XXXX XXXX Details Sent to XXXX XXXX {$250.00} Fee {$12.00} Total {$260.00} I also contacted XXXX, that night and gave them the details of what happened as well as the phone number the call was from, my bank, who told me that it was up to PayPal, as well as the PayPal XXXX XXXX XXXXXXXX XXXX ), which changed my account information.
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Auto Credit of Southern Ilinois (TX)

Account opened XX/XX/2020 and a balance of {$6900.00}. I previously disputed this account stating " This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ". I don't agree with the results of your investigation. Please mail me proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have sent my FTC Letter to the creditors and they still have not removed these items from my credit reports and by law I do know that you can have a account that is reporting as closed charge off with a balance that is due and none of the following accounts have been removed from my credit reports.
Consumer complaint received 2023-06-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (NC)

This is a repeat of complaint XXXX as my mortgage was sold back to US Bank on XX/XX/XXXX and they are now threatening default while ignoring the fraud they committed that started this whole debacle in the first place. 

I missed payments from XXXX - XXXX of XXXX. US Bank ( USB ) called and offered to put those four payments at the end of my mortgage if I made 3 payments XX/XX/XXXX - XX/XX/XXXX. They then sent me a loan modification ( not what they offered ) and sold my mortgage ( end of XXXX? ) to XXXX XXXX XXXXXXXX  ( XXXX ). I made the payments ( one to US Bank, then XXXX to XXXX ) but refused to accept the loan mod as it added 14 years to my mortgage term. While trying to figure out what went wrong, XXXX XXXX XXXX then sold my mortgage to XXXX XXXX XXXX XXXX XXXX XXXX  / XXXX ( XX/XX/XXXX? ). I then spent many more months trying to figure out what was going wrong. XXXX then offered me a loan mod if I made 3 payment XX/XX/XXXX - XX/XX/XXXX. Fatigued from the delay I accepted and made the payments. They then rejected the loan mod in XXXX, probably because interest rates had risen and they couldn't offer a monthly payment commensurate with my existing XXXX XXXX mortgage per the rules. Frustrated with being run around I called a HUD counselor ( XX/XX/XXXX ) who explained that US Bank likely tried to illegally transition me from the " payment deferral '' they offered to a " loan modification '' because their HELOC would be moved from 2nd to 3rd position, thereby increasing their risk. Wanting to hide their mistake, they then sold my mortgage to obfuscate matters. 

My new loan information is : US Bank mortgage account number is XXXX XXXX XXXX.
Consumer complaint received 2023-10-23
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)

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that this account has not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. XXXX XXXX XXXX XXXX XXXX : {$14000.00} ; XXXXXXXX XXXX XXXX Balance : {$1800.00}.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX  # XXXX, account name : XXXX XXXX XXXX # XXXX account name : XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-22
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 am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to XXXX party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2023-06-06
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: Experian Information Solutions Inc. (VA)

I am writing you Informing you that XXXX, experian and XXXX is reporting a bankruptcy on my client 's credit report and they have put in the data furnished as being the us bankruptcy court of Virginia which is false i have attached a letter from the u.s bankruptcy court of Virginia verifying and stating that they do not furnish information over to the credit bureaus or any um credit monitoring service nor do they verify validate any information concerning bankruptcies XXXX, experian, XXXX is falsely stating this information on credit report. 
I also did not give them any informationin nor permission. In accordance with the fair credit reporting act Account # has violated my rights 15 U.S.C. 1681 section 602 A states I have a 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 with out my written instruction.
Consumer complaint received 2023-10-22
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (CA)

My former employer issued me my last pay check after I have resigned from my job. That paycheck includes my regular worked hours and my Paid Time Off balance. The checks total is {$1600.00}. 
The name of the employer is XXXX XXXX XXXX XXXX, and the name of the bank on the paycheck is JP Morgan Chase bank. I live in California, and I was working for the employer ( XXXX XXXX XXXX ) here in XXXX, California. 
I went to JP Morgan chase bank branch located at XXXX XXXX XXXX XXXX in XXXX XXXX, CA, to cash my check. The bank teller would not cash the check for me. She declined to cash the check, stating that the employer has a limit of {$1500.00} on the account, {$1500.00} being the maximum amount that the check can be written for and honored by the bank. I was very surprised to hear that because, my former employer would not have written me a check for {$1600.00} representing my earned wages and Paid Time Off, if they knew that the maximum amount they can write employees paycheck for is {$1500.00}. 
Not only the teller would not honor and cash the check for me, she also stamped the back of the check endorsement cancelled, which now prevents me from cashing the check somewhere else and even depositing it in my account. I tried to cash it at other check cashing agencies and even tried to deposit it in my account but none of them would take it because of that endorsement cancelled mentioned or stamped at the back of the check by the banks teller. Now I cant cash my paycheck, while I have some bills that were due and are now past due, that I needed to pay. I contacted the banks customer service number by dialing the banks XXXX number. I explained the situation to the agent I had on the phone, and she told me that she was surprised to hear that because they ( the bank ) do not have any such limit for that amount on that customers ( XXXX XXXX ) account. The customer service representative told me that any such limit for that amount does not exist, that the bank does not have any such policy in place. I understood that perhaps the teller I met that day at the bank simply did not want me to enter in possession of my rightfully earned pay, and simply denied me a basic bank service for which they are federally insured through the FDIC program. Now I cant cash my paycheck, and I dont have the money to pay my bills. This is simply not right. 
I have decided to speak out about it and file this complaint against the bank for such attitude of one of their employees ( the banks employees ). 
This happened on Saturday, XX/XX/2023, around XXXXXXXX XXXX  at the JP Morgan Chase bank located at XXXX XXXX XXXX XXXX in XXXX XXXX, California.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

on XX/XX/2023, i received letters from XXXX XXXX  XXXX announcing they have closed my personal credit card and 2 other business credit card due to the Transunion credit reporting saying unsatisfactory performance on my credit card! 
I called, no one could explain more than Transunion reported that to them ... no investigation if this was true or anything .. this is PURE violation of my rights! my credit score is at XXXX! never been late, missed a payment, over used my card more than 10 %! 

and Transunion marked the closed account as : canceled by credit grantor!! it is absolutely FALSE! 

They closed my account associated with my social security number without my permission nor providing reasonable proof! 
I demand they reinstate my credit card and give me damages for this! it is against the law to provide false information on my report and they caused my businesses a lot of issues as their false information terminated my accounts too. I am not letting this pass, i know my rights.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS TransUnion : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC OUNT. CONTACT CONSUMER AT ( XXXX ) XXXX DO NOT CONFUSE WITH CONSUMERS OF SIMILAR IDENTIFICATION ; VERIFY ALL IDENTIFYING INFORMATION. 

XXXX : XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Consumer complaint received 2023-10-23
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. (CA)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to XXXX XXXX. 
In order to facilitate efficient proceedings and ensure all relevant information is accounted for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. 
Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transaction specifics. 
Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgments, and settlements. 
Pertinent correspondence, communications, or notices related to the chose in action. 
Any other documents or records that provide insights into the nature, ownership, or status of the chose in action. 
We appreciate your prompt attention to this request and ask that you provide the requested documentation within 7 business days. If you require further clarification or have any questions regarding this request, please do not hesitate to contact me. 
Thank you for your cooperation and timely attention to this matter.
Consumer complaint received 2023-10-23
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. (NV)

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX Balance : {$540.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX XXXX XXXX : XXXX XXXX, 2023 ; XXXX XXXX XXXX  XXXX : XXXX. XXXX, 2023.