davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (FL)

XXXX ) The mortgage modification document received is incorrect. It has XXXX people on the loan and its only XXXX person. 
There is not a second person to signed the documents. 
XXXX ) the documents do not disclosed where the new loan amount is coming from. 
XXXX ) there is an amount of almost {$74000.00} that the bank has failed to disclosed and explained. 
XXXX ) the employees in charge of my file have failed to attend all type of request for information and have failed to attend the request to explain the documents and disclosed amounts that add up to the total. 
All these info has been requested to be provided in writing and the employees have failed to provide that information.
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/year> I filed a complaint with Wells Fargo and XXXX credit card regarding two fraudulent charges on my account. One was a check that was mailed, and the other was an un-authorized ACH Debit. The check was fraudulently cashed one week later ( on XX/XX/year> ) by an unknown person. Neither Wells Fargo or XXXX can provide any information about this transaction. 

An executive complaint was filed. The complaint number provided to me was XXXX.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (CA)

Barclays Bank has been reporting a duplicate charged off credit card account on my XXXX and refuses to remove the duplicate. The information and dates are reporting inaccurately across all 3 credit bureaus and I have disputed this information via letters, online with XXXX XXXX, and online through the dispute centers with all 3 credit bureaus. When I called Barclays to settle the account in an attempt to have the information updated and reported accurately, I was told they have my complaints flagged and filed in their system but are unable to do anything. The accounts showing as closed and charged off are of the same account number with the same balance - indeed a duplicate. 

This adversely harms my credit report and score as it is appearing as an entirely additional charge off which is a serious derogatory account and affects my ability to get approved for other loans and a mortgage.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AL)

According to 15.U.S. CODE 1681 ( N ) & 15.U.S.CODE 1681 ( N ) The following Hard inquiries should not be furnished on my consumer report.
Consumer complaint received 2024-09-05
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: U.S. BANCORP (TX)

XXXX XXXXXX/XX/XXXX ( 3 times ) Only should be once, XXXX bank has a limit of XXXX pull in XXXX month this was done repeatly. XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( twice ), XX/XX/XXXX, XX/XX/XXXX ( twice ) only should be once, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX US Bank XXXX. XXXX, XXXX
Consumer complaint received 2024-09-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/25, my rent payment for {$2200.00} was pulled and sent by check via auto bill pay to my landlords bank, XXXXXXXX XXXX XXXX  XXXX. My bank is Bank of America for XXXX  years now. This rent check was somehow intercepted and signed/ cashed by a thief. BoA has past rent from auto bill pay, where the records show the correct transactions, and they could see the signature was different this time- I have obtained a copy. Meanwhile, Im in some kind of business limbo to sort this out, with the onus put on me, not having paid rent - I dont have extra funds as this plays out. Ive been on the phone multiple times, in the physical bank XXXX, and in communication with their online app messages. The process is ridiculous, and unfair to the consumer. They use faxes with XXXX business day expectations, or snail mail up to XXXX weeks. My new card is taking that long. I still dont have the rent paid, though Ive proved the funds were pulled. This is jeopardizing my housing, and violates trust in the banks ability to manage auto bill pay transactions, where fraud is possible at risk to the consumer. I should have better protections and a more serviceable outcome than this nightmare. Its been nothing but a runaround, even when Ive connected them to my landlord for verification, and have jumped through every single hoop multiple times. All of this was not caused by me, but I have to take time away from work to manage - still, without my rent paid.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: NAVY FEDERAL CREDIT UNION (WI)

I submitted a letters asking for a complete investigation into the accounts on my credit profile. I am a victim of Identity theft. I have sent my Identity theft report and affidavit in several times and the credit bureaus are not following the law. The accounts were placed on my account fraudulent, I also asked for an update of my personal information due to fraudulent information making it hard for me to pass identity questionnaires. 

I submitted 15.US Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information.as well as a debt validation which included ; explanation of account A copy of state license, license # Documentation stating I agreed to pay this debt with my signature and documentation stating I gave permission to use my information. 
Original Promissory Note ChIn of custody for account Master bill of sale
Consumer complaint received 2024-09-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION (MI)

Navy Federal Credit Union Debt Cancellation Department XXXX XXXX XXXX XXXXXXXX, VA XXXX Request for 1099-C Form for Charged-Off Account [ Account Number : XXXX ] ** Dear Sir/Madam, I am writing to formally request a copy of the 1099-C form associated with the cancellation of debt on my closed credit card account [ Account Number : XXXX ]. This account was charged off with a balance of {$12000.00} and written off as of XX/XX/XXXX, according to my credit report. 

The information is required for my tax reporting purposes, as the debt cancellation might have tax implications for the current year. Please send the 1099-C form to the address provided above. 

For your reference, my account details are as follows : - **Account Number** : XXXX - **Account Holder Name** : XXXX XXXX - **Balance Charged Off** : {$12000.00} - **Last Payment Date** : XX/XX/XXXX - **Date of Charge-Off** : XX/XX/XXXX If you need any additional information to process this request, feel free to contact me at ( XXXX ) XXXX or XXXX Thank you for your attention to this matter. I look forward to receiving the requested form. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-17
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. (CT)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXXXXXX Account Nuimber : XXXX Account Name : XXXX XXXX  Account Nuimber : XXXX
Consumer complaint received 2024-09-17
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. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NE)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I currently have a Capital One Credit card that I have had since XXXX. When XXXX happened in XXXX, mine and millions of others ' lives came to a sketching halt, resulting in many without a job, including myself. I reached out to capital one multiple times and they refused to work with me in any way, I have since had on time payments and continue to do so. capital one is being predatory to my credit because of a global pandemic that no one could do anything about but wait for it to end. I am requesting the removal of reported late payments from Capital One for the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX.
Consumer complaint received 2024-10-22
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: Experian Information Solutions Inc. (NY)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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  Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Consumer complaint received 2024-10-22
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: Experian Information Solutions Inc. (NY)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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 Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Onity Group Inc. (SC)

After several weeks of calling the Mortgage company they neglected to provide me with accurate documentation needed to process my requests which caused 60 days of delay in processing and 2 months of over 30 day late reports on my mortgage payments. I would like for them to remove any credit delinquencies reported during the time that I was waiting for them to process my application for assistance.
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NY)

These accounts represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The accounts are : JPMCB CARD XXXX, JPMCB CARD XXXX and JPMCB CARD XXXX
Consumer complaint received 2024-09-04
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: CITIBANK, N.A. (CA)

FTC REPORT ATTACHED XXXX XXXX fraudulent amount {$3300.00} CFPB has been apprised several times of the illegal activity transpiring on my consumer reports. 
Several notices have been certified mailed to ALL entities SEVERAL INACCURACIES AND INCOMPLETENESS. 
Creditors are not complying with the truth and lending act. There are numerous of illegal activities taking place on my consumer report ; all responsible parties have been apprised ALL ACCOUNTS HAVE BEEN REAGED. EVIDENCE SUBMITTED IN PREVIOUS CFPB COMPLAINT THAT WAS NOT RESOLVED. 

Apprising the Attorney General IS THE NEXT STEP then the OCC, Comptcontroller and then litigation for WILLFUL noncompliance and DAMAGES to consumer. 

XXXX who is also XXXX XXXX, XXXX, XXXX XXXX, was PAID IN FULL. Creditor failed to provied proof of anything. They sent packets of irrelevant information nothing regarding valdiating or accountabilty for illegally REAGING my accounts. 

CRA 's ( XXXX XXXX, XXXX, XXXX, XXXX ) were apprised of this illegal activty as well and did nothing.
Consumer complaint received 2024-09-13
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: CLGF Holdco 1, LLC (TX)

On XX/XX/year> I received a credit alert stating that I applied for a Destiny Mastercard with Concora Credit. I immediately called and informed them that I had not applied for credit with this company and I want the inquiry on my credit removed immediately.
Consumer complaint received 2024-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (IL)

I received an injury settlement check for a covered XXXX  XXXX compensation Injury. It was for a large amount {$64000.00}. Theres were certified funds deposited on XX/XX/XXXX and cleared for use on XX/XX/XXXX. On Saturday XX/XX/XXXX, I received an email from Chase threatening to close my account because the check could not be verified using their software because My lawyer who wrote the check had a different phone number than the one listed in their verification software, so I reached out to my lawyer and he was able to provide a secondary phone number. At which time I reached back out to Chase again on XX/XX/XXXX and was put on hold while the verification team reached out to my lawyer and spoke to Chase and he gave them all of the info they needed to verify the check. I was told my account would be unlocked within the hour and my funds would be released and simply needed supervisor approval. On Sunday XX/XX/XXXX I attempted to use my debit card and it was declined and my account was still restricted, I called Chase again and was told that the approval team had a different address now associated with the business, I dont know what to tell them because my lawyers business address is the same address on the check and is his legal address. I need my money, Chase held my check for 10 days clearing it as a valid certified injury settlement check and then several days later put my money on hold and are keeping me from using it. I dont understand how this is legal or warranted, the check cleared, they spoke to my lawyer who wrote me the check which came from a state mandated XXXX XXXX account in charge of making sure all funds are good. This is out of my control. Both my lawyer and I quickly provided the information chase said was necessary.
Consumer complaint received 2024-09-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (WI)

MR. COOPER needed to be federally investigated for making unreasonable hikes to ESCROW accounts with possible intention of having access to more unauthorized liquified funds or forcing consumers to sell or refinance their mortgage, which also serve the same intention they are seeking.
Consumer complaint received 2024-08-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

I noticed on XX/XX/XXXX that my checking account was overdrawn. I called Chase immediately and we went through all of my transactions. I looked at my checking account and saw that on XX/XX/XXXX a charge of {$250.00} was made at a XXXX in MA. On XX/XX/XXXX charges of {$250.00} were made at XXXX XXXX in VA and XXXX XXXX XXXX XXXX in XXXX On XX/XX/XXXX XXXX charges of {$250.00} were made at XXXX XXXX XXXX XXXX XX/XX/XXXX charges of {$250.00} were made at XXXX XXXX  in SC, XXXX XXXX XXXX XXXX XXXX SC and XXXX XXXX XXXX in SC. I called Chase on XX/XX/XXXX and they informed me my claim was denied because it could have been done online. When I look at my account it reports all of these transactions were done in person. I live in NY state and have not left the state. I have proof I was in the state as I was at work on XX/XX/XXXX and XX/XX/XXXX. I rented a cottage on XXXX XXXX from XXXX. I have a receipt proving I was at XXXX  in XXXX, NY ( where I live ) on XX/XX/XXXX and a receipt from XXXX on XX/XX/XXXX in XXXX XXXX, NY ( where I was renting a cottage through XXXX  ). I have my XXXX receipt for the time I was at the cottage. I have a picture of myself in XXXX XXXX on XX/XX/XXXX but did not use my debit card that day so I have no receipts for XX/XX/XXXX, other than the XXXX receipt.