davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

After reviewing credit report I noticed that have some unauthorized hard inquiries. Please remove all listed below from all 3 credit bureau because it effecting me in negatively. 

XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX duplicate XXXX XXXX  XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-22
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: LD Holdings Group, LLC (GA)

I completed a mortgage with Loan Depot. This year I was notified that a security breach at Loan Depot caused a compromise of my personal information. Due to this breach, I was informed by letter that they were provided 24 months of credit monitoring. 

I missed a deadline for the activation code in my letter so I called to get a new one. They are telling me that there is nothing they are willing to do to activate my credit monitoring past the arbitrary deadline. 

I asked them why they won't just provide the monitoring for the 24 months minus the time by which I missed the deadline. They simply repeat their unwillingness to help. 

I find this unacceptable. I did not cause the problem. There was no " deadline '' on their inability to keep my personal data safe. I believe the least they can do is accommodate my in providing the ability for me to monitor my credit during the time period allowed by the data breach remedy. This hard line they are taking on the sign-up cut off is not fair to the victims of their poor information management. 

Please help me gain the protection I deserve for this breach.
Consumer complaint received 2023-12-11
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. (MA)

I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.
Consumer complaint received 2024-05-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (MD)

On XX/XX/XXXX My husband XXXX XXXX who is a Veteran, and I purchased a home. Our Lender is Wells Fargo Loan # XXXX. The home was for XXXX we put XXXX down on the loan which we did not have to because my husband is a veteran. We owe XXXX as of XX/XX/XXXX. 

We have repeatably asked if we could be responsible for our own taxes and insurance ( setting up our own escrow account ) instead of them paying it for us. They have said no each time and said that for the life of the loan we have to let them pay it for us. 

In our loan documentation under escrow account the paper states that we can pay directly and it also states that we may be able to cancel our escrow account, but if we do we must pay the property taxes directly. 

We are only asking to be able to set up our own escrow account and pay our bill directly. 
I called VA and they said that there is no reason why Wells Fargo is trying to stop us from doing this. If we would have known that we would later not be able to pay our own escrow when we purchased we would have set it up then. We feel like they are trying to dictate to us how we are to spend our money and this does not seem a correct way to do business with comsumers. 

Please assist us with what recourse we may have. Thank you for your time and assistance with this matter. 

Best Regards XXXX XXXX Veteran XXXX XXXX XXXX
Consumer complaint received 2024-09-04
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. (FL)

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2024-06-12
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my CAPITAL ONE - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

My account with those creditors was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-02-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY (CO)

An unauthorized withdrawal for {$14000.00} was made on my business checking account on XX/XX/XXXX. I noticed in XX/XX/XXXX and contacted UMB Bank. I filed a STATEMENT OF UNAUTHORIZED DEBIT with UMB Bank on XX/XX/XXXX. 

UMB Bank gave me the name of who made the withdrawal. It was an XXXX XXXX XXXX. 

UMB Bank attempted to contact XXXX XXXX XXXX department, but they told them I had to contact them. I tried to contact XXXX XXXX, but they told me UMB Bank needed to contact them. 

I followed up with UMB Bank, but there has been no resolution. 

I also filed a theft report with the XXXX Police Department, but have heard nothing.
Consumer complaint received 2024-08-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

I HAVE MADE NUMBEROUS ATTEMPTS TO VALIDATE A DEBT THAT XXXX, XXXX, XXXX & XXXX, XXXX HAS FILED A LAWSUIT AGAINST ME ON BE HALF OF THEIR CLIENT LVNV FUNDING LLC. I ADVISED XXXX, XXXX, XXXX & XXXX THAT I HAVE BEEN AN AUTHORIZED USER ON ACCOUNTS WITHIN MY FAMILY. I ADVISED THEM ALL THOUGH I DO RECOGNIZE SOME OF THE CHARGES ON THE CREDIT CARD STATEMENT, I WAS REQUESTING THE ORIGINAL CREDIT CARD AGREEMENT WITH PROOF OF MY LEGAL SIGNATURE. THIS WOULD PROVIDE PROOF THAT I AM THE ACCOUNT OWNER AND NOT AN AUTHORIZED USER. I WAS ADVISED BY XXXX, XXXX, XXXX & XXXX CUSTOMER SERVICE THAT THEY DO NOT HAVE TO PROVIDE PROOF AS REQUESTED. I FEEL THIS IS AN UNFAIR PRACTICE ON THEIR PART AND THEIR CLIENT NOT TO PROVIDE PROOF OF ACCOUNT OWNERSHIP. IN ADDITION, I ADVISED THE LAW FIRM THAT THEIR CLIENT HAS IN THE PAST TRIED TO COLLECT THE SAME DEBT USING A DIFFERENT DEBT COLLECTOR AND FAILED TO PROVIDE PROOF OF DEBT OWNERSHIP. ( PLEASE SEE ATTACHED DOCUMENTATION.
Consumer complaint received 2023-04-13
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: CAINE & WEINER COMPANY, INC. (TX)

under 15 USC 1681 the credit bureaus are filing incorrect I am trying to buy a house and its defamation to my character and livelihood. 
XXXX XXXX XXXX XX/XX/XXXX is identity theft it even has another name XXXX XXXX a male XXXX XXXX XXXX XX/XX/XXXX Caine Weiner XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX mulitple inquires from car dealers that I have not even requested and I have even hired XXXX XXXX XXXX to assist and it is still damaging my credit XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX of XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-08-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/year>, I opened a checking account with Capital One Bank here in XXXX, Texas. On XX/XX/XXXX, I received a {$500.00} XXXX from my sister to pay for car insurance, and that same day I received {$1400.00} from my aunt to buy a plane ticket for her and my uncle. The next day, XX/XX/XXXX, the bank decided to close my account and they didn't give me any reason. The account currently has a balance of {$820.00} and they won't return the balance to me.
Consumer complaint received 2024-08-12
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (PA)

On Saturday XX/XX/year> I was trying to use my Serve card from Amex, for the amount of XXXX with XXXX XXXX, I was told that I was restricted from using the card with XXXX XXXX for 30 days because I have made excessive amount of purchases with them. A representative at Amex told me that it was XXXX XXXX that is restricting me from making a purchase which I find absurd. When I changed to a different card to make the purchase I was able to complete my purchase without any issues, which confirmed that it was Amex that restricted my card on how many purchases I am able to make with XXXX company if they find it to be excessive. I tried to explain to the rep that what I was purchasing was for a game I am playing and I shouldn't be told how I can spend my money, how often with the same company. Nevertheless, I have been restricted for making any further purchases with XXXX XXXX which includes XXXX Play and XXXX Pay for 30 days.
Consumer complaint received 2024-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (MA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX XXXX XXXX submitting this CFPB complaint once again, to remind the Credit Reporting Agencies of their indifference and laziness to correct my Credit File thus resulting to the disputed fraudulent accounts still reporting on my Credit File. This is my 7th CFPB Complaint informing the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting Agencies are required to remove any account and information which 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. I need the Credit Bureaus to remove the following items completely from my Credit File ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$25.00}. Also, the Credit Bureaus have been claiming that the disputed items have been verified and yet they have failed to send me copies of documents proving their Verification or documents bearing my signature. Despite the lack of evidence, the credit Bureaus are still reporting the disputed accounts on my Credit File which is a violation of a consumer 's rights under the Fair Credit Reporting Act.
Consumer complaint received 2024-06-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (TX)

I am filing a complaint against Chase Bank regarding the denial of my Chase Visa Signature Business Card application. 

On XX/XX/year>, I received a denial letter from Chase stating that my application was denied solely due to a past bankruptcy. The letter explicitly states, " Your credit report reflects a bankruptcy. '' This decision appears to have been made without considering other critical financial factors such as my high income, low debt levels, and fair credit score. 

Under the Equal Credit Opportunity Act ( ECOA ), creditors can not deny credit solely on the basis of a past bankruptcy without considering the entire financial profile of the applicant. The denial letter from Chase does not indicate that any other financial factors were taken into account, suggesting a potential violation of the ECOA.

I request the CFPB to investigate this matter and ensure that Chase Bank complies with the ECOA. I have attached the denial letter from Chase for your reference.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (FL)

PNC Bank decided to just close my business account, kept {$500.00} and according to them instead of giving me my money they sent it to the Florida Treasure Hunt. I have been between the Bank and the FTH for months and months and both say that neither of them have the money and it is evident that some of them do. What can be do? 
I am very angry with this situation. 
I hope you can help me. 
Thank you so much! 
XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-01-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute the inaccurate reporting of late payments on my credit report related to the following accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have contacted these banks and they have acknowledged the lack of documentation supporting the reported late payments. They have agreed over the phone to update my credit file, confirming that the accounts in question reflect a positive review, are closed, or have never been late.
Consumer complaint received 2024-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY (IN)

WELLS FARGO did not respond to my complaints. WELLS FARGO has informed me ( by email ) that they are transferring my mortgage servicing to XXXX Mortgage XXXX XXXX where they will close any communication with me regarding : WELLS FARGO owes me my portion of the {$3.00} XXXX Fine they owe me ; WELLS FARGO failured to tell me the name and address of the Law Firm handling the XXXX XXXX Fine ; WELLS FARGO failure to communicate why they held my mortgage in foreclosure for 14 years claiming my mortgage was merely XXXX XXXX months late ; WELLS FARGO failed to apply my mortage payments to my mortgage XXXX WELLS FARGO cashed my mortgage payments after they XXXX Wells fargo ) before they notified me of the Foreclosure. 
WELLS FARGO failure to communicate with IN-HAF and be truthful that they ( WELLS FARGO XXXX XXXX my mortgage in Foreclosure for 14 years! 
I want a satisfactory answer as to how WELLS FARGO is not held accountable. 
I want a satisfactory answer as to how WELLS FARGO 's XXXX XXXX directed ME to telephone IN-HAF, " and ask them yourself! '' WELLS FARGO did not respond to XXXX WELLS FARGO did not respond to XXXX WELLS FARGO did not respond to XXXX WELLS FARGO did not respond to XXXX WELLS FARGO did not respond to XXXX WELLS FARGO did not respond to XXXX I want a satisfactory answer and my portion of the {$3.00} XXXX Fine.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me.

Account name : XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

RE : XXXX  Block Request To Whom It XXXX Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 



XXXX. XXXX XXXX - XXXX Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.