davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I drew an advance of {$2900.00} from my HELOC that I have with Wells Fargo. I have auto pay with Wells Fargo and a scheduled payment of {$100.00} was taken from my XXXX checking act on XX/XX/XXXX. On XX/XX/XXXX I entered the XXXX XXXX, CA branch and paid {$2800.00} to pay off the advance. Since that time, various transactions have been posted to this account. On XX/XX/XXXX there is a principal adj debit in the amount of {$170.00} followed by a principal reversal in the amount of {$91.00} ; on XX/XX/XXXX an interest reversal in the amount of XXXX ; on XX/XX/XXXX there is an interest adj debit for {$0.00} ; a principal reversal of {$100.00} ; an interest payment that they automatically took from my XXXX checking account in the amount of {$8.00} ; an interest adjustment XXXX credit ) of {$0.00} ; and a principal payment in the amount of {$91.00} from my XXXX checking account. On XX/XX/XXXX they took additional payments from XXXX checking account totaling {$100.00}. On XX/XX/XXXX there are two more adjustments ( credit ) in the amount of {$1.00}, which makes no sense. I have requested my money to be returned to no avail. 
They have continued to take payments from my checking account despite the fact that this loan was repaid in full.
Consumer complaint received 2024-10-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC (TX)

I submitted my XXXX XXXX information to Rocket Mortgage in XX/XX/year> to be added to my escrow. It was terminated because Rocket Mortgage never paid it. I spent months thinking I had XXXX insurance to find out after a hurricane that I did not. Then I spent months trying to get XXXX  insurance added to my escrow. Rocket Mortgage would not add it because it said I already had a XXXX insurance policy. I did not, but Rocket Mortgage said I did. They took my money to pay for it. They were not paying for it. I finally got XXXX insurance added after 10 months of trying. Today I received a letter saying that Rocket Mortgage is going to charge me {$730.00} for not having XXXX insurance. They are the only reason I did not have XXXX insurance. This can not be legal, and needs to be fixed. 

This is a copy of the last email I have sent Rocket Mortgage
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

EVERYTIME I WOKE UP IN THE MORNING, THESE FRAUDULENT HARD INQUIRIES ARE STILL IN MY ACCOUNTS AND REPORT. 
THESE ARE FALSE AND SHOULD BE IMMEDIATELY REMOVED.
Consumer complaint received 2024-07-23
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. (NC)

I am reporting that there are some negative items on my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Recently checking my credit report I noticed that I have been a victim identity theft, and found numerous credit inquirires I have no knowledge of here are the inquirires that I have found, XXXX  XXXX XX/XX/year> Please remove these fraudulent inquirires from my credit report
Consumer complaint received 2024-10-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (DE)

Subject : Formal Complaint Regarding Illegal Account Freeze and Funds Withholding I am writing to express my deep concern and frustration regarding PayPals unlawful actions of freezing my account without providing any valid reason or due process. On XX/XX/scrub>XXXX XXXX XXXX I received a notice ( Reference ID : XXXX ) indicating that my account was restricted and that my funds would be held for 120 days. This action was taken without prior warning or explanation, and no sufficient grounds have been provided to justify this extreme measure. 

PayPals decision to withhold my funds without any legal basis or notification of any wrongdoing constitutes a violation of my rights under both federal and consumer protection laws, including but not limited to : 1. Electronic Fund Transfer Act ( EFTA ) : The EFTA prohibits the unauthorized freezing of funds without due notice or opportunity to address potential concerns. PayPals actions violate this law by restricting my ability to access or transfer my legally owned funds. 
XXXX. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under the Dodd-Frank Wall Street Reform and Consumer Protection Act : Freezing my account without clear communication or a reasonable basis is considered an abusive practice, as it severely hinders my ability to conduct business and manage personal finances. 
3. Breach of PayPal User Agreement : The account freeze and subsequent withholding of funds fail to align with any legitimate grounds outlined in PayPals own User Agreement. I have abided by all terms and conditions, yet PayPal has acted arbitrarily by imposing these restrictions.

Additionally, the fact that PayPal is preventing me from removing my bank and credit card information from the account places my financial information at risk of theft and unauthorized use, which is completely unacceptable and may lead to further liability for PayPal under data protection laws. 

I hereby demand the immediate release of the funds currently held in my PayPal account and the ability to transfer them to my designated bank account. Furthermore, I request the removal of all stored financial information linked to my PayPal account to protect myself from any potential fraud or misuse of my personal data.

If these actions are not taken promptly, I will be forced to pursue all available legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX and potentially initiating legal action to recover the funds and address damages caused by PayPals actions. 

Please address this matter immediately. I expect a resolution within three business days of this correspondence. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica (PR)

At XX/XX/2024 I requested a new ATM Card from Direct Express.They referred that between 7-10 labors day the new card arrived. Isent my ID license and Social Security Card but at this moment I have not answer.The money in the card is my direct deposit of Social Security Administration.
Consumer complaint received 2024-07-23
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. (MS)

I was astounded and disheartened to discover that credit inquiries were being conducted without my consent. I have attempted to obtain the following information from the creditors ; however, they have neglected to respond. Details of the Inquiry : Request that the creditor furnish specific information regarding the inquiry, including the date of its initiation, the purpose of the inquiry, and the credit product or service that is associated with it. Application Documentation : Obtain copies of any credit applications or other documents that are pertinent to the inquiry. This may encompass disclosures, agreements, or application forms that you would have completed or received during the credit application process. Documentation of Authorization : Request that the creditor furnish evidence of your authorization for the inquiry. This may encompass signed consent forms, agreements, or disclosures that serve as evidence that you authorized the creditor to access your credit report. Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. The documentation of your interactions with the creditor may encompass emails, letters, or notes. Internal Records : Request that the creditor furnish internal records or notes in connection with the inquiry, including any decision-making processes or rationales for initiating the inquiry. Identity Verification : Prior to commencing the inquiry, request that the creditor implement verification procedures to verify your identity in the event that identity theft is a concern. This may involve the verification of personal information or identity documents submitted during the application procedure. Documentation of Compliance : Inquire about the creditor 's adherence to pertinent laws and regulations that govern credit inquiries, including the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-10-17
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: CLGF Holdco 1, LLC (VA)

I am writing to formally dispute the reporting of the charge-off account associated with [ XXXX ] on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ) and 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ), I am entitled to request and receive complete and accurate documentation to verify the accuracy and legality of this accounts reporting. Additionally, under Virgina state law, I am requesting proper validation of this debt. To properly validate this account, I am requesting the following : 1. Authenticated Double-Entry Accounting Records : I am requesting full double-entry accounting records for the account mentioned. This should include a detailed breakdown that shows how all transactions were debited and credited, ensuring compliance with standard accounting principles. Please note that I do not wish to receive a simple list of charges or statements. I expect authenticated evidence of the debt. 2. Authenticated Evidence Based on Virgina State Law : In addition to the accounting records, I require authenticated evidence, in compliance with Virginia debt collection laws, that you have the legal right to report and collect this debt. This includes original signed contracts or agreements that show my obligation to pay the debt and your legal right to enforce collection and report it to credit bureaus. Without this evidence, the continued reporting of this debt may constitute a violation of both federal and state consumer protection laws. 3. 1099-C Form : If this debt has been forgiven, canceled, or settled for less than the full balance, I am requesting a copy of the 1099-C form filed with the IRS, which is required if the amount of canceled debt exceeds {$600.00}. If you have not provided this documentation, the debt may be considered discharged, and it should no longer be reported as owed on my credit report. In the absence of the requested documentation and verifiable evidence, I request that you immediately delete this account from my credit report in compliance with the FCRA and Virgina state law. Failure to do so will result in further action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), pursuing legal remedies to enforce my rights, and submitting a Suspicious Activity Report ( SAR ) to the IRS for suspicion of fraud. The SAR ( FinCEN Form 111 ) will be filed if you continue reporting inaccurate and unverified information without providing the required documentation. Please respond within 30 days of receipt of this letter. I look forward to receiving the required documentation or confirmation that the account has been deleted.
Consumer complaint received 2022-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX I am writing to dispute a late payment reported on my credit report related to my auto loan account number [ # XXXX ]. This incorrect information is negatively impacting my credit score, and I believe it is inaccurate. 

According to the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681s-2 and 15 U.S. Code 1681i, you are required to correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ) outlines clear disclosure requirements for creditors to ensure that consumers receive adequate information regarding their payment obligations. Non-compliance with these provisions can result in inaccurate and harmful reporting for the consumer. 

I formally request a reinvestigation of my dispute and the correction of the inaccurate information related to this late payment. Enclosed are copies of relevant documents for your review. 

Details of the affected payment are as follows : DATE OF LATE PAYMENT:02/2023 DATE OF LATE PAYMENT XX/XX/XXXX DATE OF LATE PAYMENT XX/XX/XXXX DATE OF LATE PAYMENT XX/XX/XXXX If the necessary corrections are not made within 15 days of receiving this letter, I will file a formal complaint with the Consumer Financial Protection Bureau XXXX CFPB ) and consider other legal actions necessary to protect my rights. 

I expect to receive written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XX/XX/XXXX SSN : XXXX
Consumer complaint received 2024-07-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-07-23
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)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-07-23
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. (NY)

I have to alleged accounts posted on my credit report DEPT OF EDUCATION These XXXX accounts have been reporting on my credit report for about 8 years now, I tried repeatedly over and over to get my results from the credit bureaus & to get them to stop reporting this false information on my account but every time I reach out to them I get no follow up answered been trying for years. The alleged account has multiple errors posting to my account XXXX. Statue of limitations account was opened in XXXX we are now in XXXX thats XXXX  years XXXX. Address not on my credit profile for the original allege debt XXXXDisputed in the pass and failed to contact me back regarding my dispute XXXXAccount is no longer report to my XXXX report XXXXAccount payment history is inaccurate and reporting wrong There are XXXX of the DEPT OF EDUCATION accounts First Account is in the amount of {$2000.00} Second account is in the amount of {$1200.00} Information to verify me with the bureaus XXXX XXXX XXXX DOB- XX/XX/XXXX XXXX XXXX XXXX XXXX NY XXXX Email - XXXX SSN- XXXX
Consumer complaint received 2024-10-15
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 (NC)

SOMEONE STOLE MY INFORMATION COMMITTED FRAUDULENT ACTIVITIES. CAN YOU PLEASE REMOVE THESE HARD INQUIRIES FROM MY CREDIT ASAP. THANK YOU SO MUCH.
Consumer complaint received 2024-10-13
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: Block, Inc. (TN)

XXXX XXXX booked condo through XXXX  managed through XXXXXXXX XXXX XXXXXXXX XXXX Charged that night for XXXX and XXXX. Also, a charge of XXXX was pending as well from XXXX. 
XX/XX/XXXX XXXX canceled booking by email. I requested proof of canceled payment. Called Cash App support to expedite cancelation of pending payments. They then explained it would take 3-4 days. The XXXX that was processed through vrbo was refunded on XX/XX/XXXX. The XXXX was canceled as well. The XXXX is still pending. I explained I have proof of canceled booking and that I did not owe anything. Again, they said they would only intervene after 30 days. I would think simply canceling a pending transaction after 8 days with proof of cancelation and showing I owe nothing would be a sensible move.
Consumer complaint received 2024-10-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Chime Inc. (TX)

On XXXX XXXX XX/XX/year> at XXXX XXXX  I sent US {$240.00} through XXXX XXXX via Sendwave but it has been three days today but my money has not been transferred. I have called them several times and they said they will fix it but still the money has not been credited to my receptions account. I actually sent these for my family for XXXX  XXXX. But still my money has not gone. They say they can't tell me the exact time and I have to be patient. Now I have been patient for three days. But its still processing.
Consumer complaint received 2024-07-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (NV)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-07-23
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. (TX)

" The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. ''
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX