davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BTH Management (FL)

YOUR COMPLAINT 15 US Code 1681 ( c ) The term consumer means an individual. 5 U.S. Code 552a - Records maintained on individuals ( a ) defines, for purposes of this section ( 1 ) the term agency means agency as defined in section 552 ( e ) [ 1 ] of this title ; ( 2 ) the term individual means a citizen of the United States or an alien lawfully admitted for permanent residence ; ( 3 ) the term maintain includes maintain, collect, use, or disseminate ; ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph. According to 15 US Code 1681e - ( b ) Accuracy of report, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. *****COMPLAINT****** Reporting agency reflecting inaccurate information on consumer record. Plaza Services , LLC is reflected on XXXX as a collection account on the consumers record. Consumer is not aware of any account contract/agreements with this company. Reflecting innaccurate information constitutes willful non-compliance and under 1681n, section discuses that in general, any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; Consumer is requesting this inaccurate tradeline be removed immediately or pay {$1000.00} for each month each agency continues to report the tradeline.
Consumer complaint received 2024-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AZ)

I have been very disappointed with the responses on my fraud case. I have spoken to a couple of Wells Fargo case specialists with no result other than sorry you authorized the fraud we can not help you! ( I did not and I have provided them with proof that it was their authentication system ) I lost nearly XXXX on XX/XX/year> and have not been treated very fair as a customer. This has devastated my life. One specialist even admitted Wells Fargo should have more layers of protection yet the fraudsters win! They have not even offered me a small compensation for their lack of security on their systems. Wells Fargo will not provide me anything that proves that they did not commit this fraud against one of their own customers yet I have to try and prove that this was not me and I have to accept their answer that I approved the fraud. I did not. When will Wells Fargo be accountable and provide me proof that they are not responsible for this? They say they are not but they do nothing to provide evidence. Please provide me that evidence. In my most recent complaint I provided more evidence where the money went and they did not specifically address that evidence. They need to provide more details other than it is the customers fault and nothing can be done. I was supposed to receive a letter with details and I have yet to receive that letter. Thank you very much! XXXX XXXX
Consumer complaint received 2024-09-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

Navient steered me saying XXXX qualified for income driven repayment plans into forbearance instead. By steering me is caused me to XXXX  being in forbearance, interest accrue and capitalize Deceiving me about Navients requirements for cosigner release. Mislead me about improving credit scores and the consequences of federal student loan rehabilitation
Consumer complaint received 2024-09-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC (IN)

Loan was sold to rocket mortgage from XXXX XXXX. Unaware that they kept the auto payment, I made a payment so I got charged twice at the beginning of XXXX. When I realized the error I asked them to return one of the payments and all seemed good. 

I was charged again a second time on the XXXX and the first rep was pretty rude and basically said it is not their fault and they can't do anything. the payment will show failed since my bank account went negative and be returned in 3 to 5 business days. I have other bills due so I called again and they now notified me that there's a charge along with any " failure of payment. '' But I've already paid them successfully for the month on the first charge. They had no assistance or annoyance to their fault for this. 

Not only am I getting a fee for a charge I didn't approve of, it is going to hit my credit record and score, but on top of that I still don't have that money back. I'm horribly upset that I'm taking the hit on so many fronts for something they did. They clearly don't care for the customers financial situation. I've had to borrow money from a friend so that I can pay my regular bills.
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: CBC Companies, Inc. (CA)

On XX/XX/year> while I was requesting some information from my bretheren from the church my XXXX went haywire and shutoff then a blue screen took it in the shop could not shut it off and my issue I was hacked just as XXXX  said so i BOUGHT A NEW PHONE BUT AFTER THAT MY LIFE went to XXXX as XXXX accounts shoed up on my credit report XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (GA)

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 : The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK (NC)

On XXXX, I opened a checking account using a promotional offer : They would give me {$450.00} if I had a qualifying direct deposit. 

I had my qualifying deposit on XX/XX/XXXX, and never got my promo code. I waited and nothing. 

Today, XX/XX/XXXX, I inquired about it and I was told that as my account was in negative, I didn't receive the {$450.00}. In first place, the negative balance was something with the charges they made for a service I didn't ask. In second place, the flyer said that the deposit was going to be made XXXX  days after the qualifying activity ( which is the direct deposit ). 

Then, the agent went to ask a colleague and was told that it is XXXX  days after the XXXX  day period of the account standing in good balance. 

I am attaching the flyer. It doesn't say that the {$450.00} will be deposited after XXXX  days of the XXXX  day period. It states that the deposit has to be made within XXXX  days, but nothing about posting the balance. 

They highlighted that " The Bonus will be paid to positive balance accounts '' My account was positive after the XXXX  days of the qualifying direct deposit ( XX/XX/XXXX ), so I should qualify for the promo. My account went to negative due to a charge they posted for a service i didn't ask for, but that's a different situation.
Consumer complaint received 2023-11-13
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : Account Name XXXX XXXX  XXXX # XXXX XXXX Account Name : XXXX  XXXX {$600.00} 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 written instructions. 15 U.S.C 1681e. ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S C. 16818-2  ( XXXX ) 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 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (MD)

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 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (OH)

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 2024-07-08
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: Experian Information Solutions Inc. (FL)

I have spent hours upon hours on the phone with XX/XX/XXXXand the credit reporting Bureau 's. I will try to break down each point of discrepancy below : Issue 1 : The first date of delinquency on documents sent to me by XX/XX/XXXX was on XX/XX/XXXX. That is over 7 years, and most reporting agencies would have removed this from my credit.XX/XX/XXXXnever reported this date, and when I dispute their reporting, they add worse items onto my credit, even after they previously reported them as correct. Both of which should violate the FCRA. 

Issue XXXX : My original line of credit ( XXXX ), which was opened in XXXX of XXXX, was never late, would take money out of my checking automatically to avoid any late payments, and was suddenly closed byXX/XX/XXXX. A new account was then opened without my knowledge. I do not think the setup was the same, XX/XX/XXXX can not confirm if any changes were made, and I also requested proof of where I signed anything to start the " new '' line of credit account, and have received nothing. If they can not prove this was an error on their end, I believe this is another reason they should remove my account from all credit reporting. 

Issue XXXX : Their employees on the phone are unable to see most of what I am disputing. They also have told me conflicting information from what the credit reporting agencies tell me. They say the fall off date is the date on which the account was closed ( which they have changed several times with the credit bureaus ), which the bureaus state that the fall off date would be from the date of first delinquency ( which was over 7 years ago showing as XX/XX/XXXX ). As of now, I still have all of my accounts with XX/XX/XXXX. They send me pre-approved offers for credit cards and the same line of credit, but they belittle me when I try to ask for information/documentation, etc. on the phone. I need someone to verify what they are doing is indeed in line with FCRA policies, and intervene if they can not answer the points I have outlined above. Also, this account is paid in full, I owe them no money, they just tell me to " go to your local branch '' and obtain documents that they themselves can not see. If that is the case, how is this information being verified?
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC (DE)

I applied for a Destiny Mastercard in XX/XX/year>, I received a billing statement in XX/XX/year> for annual membership fees. I called the credit card company and was told the credit card was mailed to me in XX/XX/year> ; however, it was not activated. I requested the account be closed due to not wanting a random person to receive and activate the credit card as I live in an apartment complex. I was told the balance would reflect XXXX and no liability towards me due to the credit card not being activated after 60 days of issuance. Last week I received a notification from credit wise that my credit score had decreased due to this account being closed. I called the credit card company again and requested they remove the account from my credit file since it was never activated and/ or used. The customer service representative said they can not remove a closed account. Today I reached out to XXXX regarding this account and was advised that the credit card company could remove the account from my credit file.
Consumer complaint received 2024-09-16
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: American Coradius International LLC (AZ)

i am trying to buy a home after living with family since XXXX and leaving a XXXX XXXX situation with my XXXX  from my ex i moved in with my mother and started to rebuild my credit i have not had anything in my name since XXXX and i left my last living situation on good terms receiving my deposit back i recently bought a new car in XXXX of XXXX and when we went to apply to buy a house i all the sudden have a new debit from XXXX XXXXXXXX XXXX XXXX multifamily housing in the amount of {$8500.00} i have never seen this debt on my credit previous to this ive asked for proof that it was mine and not received anything i have also been talking with XXXX to figure out where this original open date for this debt was and we can't find anything i have looked up this company and its showing this a scam company with hundreds of law suits against them for doing this to other people as well we have put a fraud alert on my account and they said my next step is to notify you in getting this removed as i am trying to buy my kids an i a new home and this has to be removed in order to go forward with my loan
Consumer complaint received 2024-09-16
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Prosper Marketplace, Inc. (NJ)

PLEASE BE ADVISED ; I ACCEPTED THIS LOAN FROM PROSPER IN THE AMOUNT OF {$18000.00} AND ACCEPTED ALL TERMS WHICH INCLUDED A MONTHLY PAYMENT OF {$590.00} TO BE DEDUCTED FROM MY TD BANK ACCOUNT FOR 36 MONTHS VIA THEIR AUTO PAY OPTION. I SUCCESSFULLY MADE EVERY PAYMENT FOR THE ENTIRE 36 MONTHS IN FULL! SO CLEARLY I DID NOT MISS A PAYMENT. APPARENTLY PROSPER ADDED AN ADDITIONAL {$110.00} FOR AN ACCRUED INTEREST AMOUNT TO THIS LOAN WHICH THEY NEGLECTED TO DEDUCT VIA AUTO PAY JUST LIKE THEY DID FOR THE 36 PAYMENTS. THEY ALSO NEGLECTED TO SEND ME ANY NOTICE ABOUT THIS ADDITIONAL AMOUNT OF {$110.00} AS THEY ARE A PAPERLESS COMPANY. THEY ALLEGE CALLING ME 1 TIME BUT COULD NOT DISCUSS ANY DETAILS ABOUT THE CALL WHICH COULDVE BEEN A SOLICITATION FOR A NEW LOAN. PROSPER THEN REPORTS TO MY CREDIT BUREAU THAT I MISSED A PAYMENT WHICH IS A LIE! I MADE EVERY ONE OF THE 36 PAYMENTS FOR THIS LOAN. I PAID THE ADDITIONAL FEE AND FEEL THIS WAS A MISUNDERSTANDING AND NO FAULT OF MINE SO THE MISSED OR LATE REPORTING SHOULD BE REMOVED.
Consumer complaint received 2024-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (AZ)

I pay extra each month to pay down my loan and had no issue with my previous lender having the extra amount applied to principal. My loan was transferred to Mr Cooper and I have had issues with them in the past. I proactively called in XXXX they were supposed to update my payment hierarchy so any extra payment is applied to principal. Every time I make a payment, they INSTEAD pre-pay the next month 's payment and I have to call and complain and they fix it for that month and promise to fix it going forward but its never fixed. Once again, my payment processed today and it prepaid next month 's payment and DID NOT pay down the principal. I think this is a scam on their part to not let customers pay down principal. I use my bank to make the payment, I don't trust them with my financial info for payment as they've had a data breach and are obviously incompetent. I have called them to complain XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. At one point they created a case but it is still not resolved. It's very frustrating, I feel like I should be reimbursed for my time of dealing with their shadiness and incompetence. It XXXX as a consumer that I have no say in who my load is sold too because I would pick anybody but this company. I would love them to fix the issue going forward or even better sell my loan to a more competent company.
Consumer complaint received 2024-06-21
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. (MN)

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. 

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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.

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TomoCredit Inc. (WI)

I signed up for TomoBoost service on XX/XX/XXXX. As advertised, they would report to all three credit bureaus, using my monthly bills as " payments '', for a fee of $ XXXX. To date, this account has not been reported to any of the three agencies. 

On XX/XX/XXXX, I requested the company look into the missing credit report information. I was asked to verify my birthday, and was told that it was updated and that the reporting would be updated within 5 business days. 

Upon following up with the company, I was informed on XX/XX/XXXX that they are experiencing an ongoing issue with the data file being sent to the bureaus and that they couldn't provide a timeline for when it is to be resolved. At this point, I am convinced that there was never an issue with my birthday, and that there is no intention of resolving this issue.
Consumer complaint received 2023-11-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (SC)

Someone is trying to open a credit card under my name. Twice in two weeks, Chase has done a credit report request to issue the card. After reporting it once and putting a freeze on my credit report- they allowed it to happen again. They are using my maiden name, which I haven't had for twelve years and my credit keeps going down because of the hard pulls.
Consumer complaint received 2024-06-04
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)

I have been in contact with the credit bureaus for a few months now regarding some accounts and inquiries that I do not recognize. These accounts are assumed to be fraudulent and when I disputed them according to FCRA-605B with a police report, FTC reports and letters with my personal information to verify my identity : XXXX took care of all the fraudulent accounts and inquiries, XXXX removed a couple and the inquiries, and XXXX removed XXXX collection then added it back. Since the initial dispute in XX/XX/XXXX, I have not received any responses from XXXX or XXXX the last 2 times I sent letters in XXXX and XXXX asking why XXXX removed the fraudulent information, but the other XXXX bureaus have not. Also, the previous addresses reporting are incorrect. I am demanding that these fraudulent accounts and incorrect addresses be removed immediately and the only address that should be reporting is my current address on the letters being sent this month, XX/XX/XXXX.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NM)

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.