davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

On XX/XX/2023 my Bestbuy card from Citibank was charged {$2700.00} at Best Buy in XXXX Fl. I did not make or authorize this purchase. I contacted Best Buy and filed the transaction as fraud. I was asked if the credit card was in my possession which I replied yes. The Best Buy credit card I had was not activated. 
The fraudulent transaction was made via their look up method which you provide personal information to verify your account and can make a purchase without the physical card in hand. 

Today I receive a call from citi bank fraud department stating my claim has been denied due to me having my Best Buy card and the transaction being done via chip reader. I expressed the improbabilities since XXXX. I never made the purchase. XXXX. The card was never activated. XXXX. I have the online receipt that clearly states the transaction was made via look up. 

As my frustration grew from being accused of committing fraud I asked to speak to a supervisor, which I was denied and would need to wait XXXX hours to get a call back. I went to the extent to get a copy of the receipts and send them to their email. 

Attached youll find a copy of the fraudulent transaction which next to the dollar amount youll see the term look up. Also attaching a transaction I did with the chip reader which youll see next to the dollar amount. 

This is an unethical attempt to decline my claim with false information
Consumer complaint received 2024-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CO)

Re : Fraudulent Withdraw Transactions I am demanding a return of funds to my checking account fraudulently withdrawn from my account via an ACH transaction without the approval and required documents for such withdrawals. This fraudulent transaction was made on XX/XX/2024, from my business checking account. 

I have filed claims with Wells Fargo via the phone notification system and received Claim No. XXXX. All pertinent information is detailed in the Claim. 

The entity withdrawing the claim has never been associated with our business nor set up as an ACH approved payee. The two withdrawals on XX/XX/2024 for {$5700.00} and {$3800.00} were represented on Wells Fargo Bank account activity report as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$5700.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX {$3800.00}
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc (TX)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

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. 

I told XXXX, XXXX, and XXXX to reinvestigate these accounts because there are several inaccuracies such as amounts, dates, and the other false information claims. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 

Respectfully, XXXX XXXX
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally file a complaint concerning the inquiries that have appeared on my credit report. I have concerns about the nature of these inquiries, including unauthorized or inaccurate inquiries, and I kindly request your assistance in addressing this issue.

I have noticed inquiries on my credit report that I did not authorize or have any knowledge of. These unauthorized inquiries are affecting my credit score and financial standing, and I believe they should be thoroughly investigated.

inconsistent with my financial activity. I am concerned that these inaccurate entries may impact my creditworthiness unfairly.
Consumer complaint received 2015-10-07
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: NATIONSTAR MORTGAGE LLC (CA)

Nation start starts calling on the XXXX of the month 3 times a day. They push on me verifying personal information and they get very rude, when I tell them I do n't give personal information over the phone. I have told them multiple time that I cant talk due to being at work and they call right back. I have asked they contact me by mail only and they still keep calling me.
Consumer complaint received 2024-06-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC (NV)

The nature of this communication concerns dunning letters delivered by third party are debt purchasers, or debt buyer for consumer any instrumentality in consumer transactions described in all various types commercial paper as a instrumentality for personal family and household purposes, of consumer debt without prior consent by the consumer under the protection within Title X, for Truth and Lending Act, ( TILA ), 15 U.S. Code 1692c ( b ) in actions of allege debt collections. I have identified with personal research for consumers accounting, recordings have several errors on the statements of accounts of the consumer file, pursuant to Fair Debt Collection Practices Act. ( FDCPA ) 805 Communication in connection with debt collection, this letter states verified claims for damages that shall be reported as actual injury personal for claims to your Office Of Risk Management. this is to inform you that I recently received a certified record of my credit report by the reporting company publishes with inaccurate harmful data on the consumer without verification by the consumer protection against known third party transfers, or assignments and buyer as Debt Collectors.
Consumer complaint received 2024-07-31
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. (PR)

I'm in disagreetment with the account listed bellow wich still appears on my credit report, even after your investigation. i would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX Account XXXX In accordance with the fair credit reporting act, public law 91-506 title VI section 611, provide the names and bosiness addresses of each individual with whom you verified the follow up. Please send me an updated copy of my credit report after your re investigation.
Consumer complaint received 2022-02-02
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. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently checked my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2023-09-19
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. (MD)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX  XXXX XX/XX/2022
Consumer complaint received 2024-08-31
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)

I Reviewed my Consumer Reports and noticed that I had ten payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof With statements showing that these payments were late, If proof can't be provided, I demand these payments be updated to on time as they should be as I was Never late. Thanks
Consumer complaint received 2024-06-28
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (TX)

I lost my job just before Covid, then had trouble finding a new one due to the pandemic, so for about 5 months I could not pay my bills. My account with the card issuer was closed as a charge off with a balance due. I have since regained employment and paid back my creditors, except for two. One is on a payment plan and this one will not accept my money. 

After reaching out to them to either settle my account for less or be on a payment plan to pay the balance back in full, I was told that the debt had been canceled and I was issued a 1099C. Its possible I received one, though I can not recall ; however, this creditor is still reporting the full balance due monthly to the three major credit bureaus. If the debt was indeed cancelled, my balance due should be reported as {$0.00} and if it wasnt cancelled, then I should be given the opportunity to repay the debt. 

This unfair practice of the original creditor to not allow me to pay and continue to report a balance every month on my credit report, thus tanking my score, is making it nearly impossible to purchase a home or obtain new credit.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (IL)

Please see attached correspondence, which is a more detailed complaint. 

I am submitting a complaint against American Express for violations of the Fair Credit Reporting Act ( FCRA ), specifically regarding the incorrect reporting of late payments on my account ending in XXXX. Despite my repeated requests for correction, American Express has failed to update my account status to " paid as agreed '' and continues to report inaccuracies. I am seeking damages for the emotional distress and financial impact caused by these errors and requesting immediate correction of my credit report to reflect accurate information.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'M IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. 
I WOULD LIKE THIS ITEM IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE ACCOUNT NAME- XX/XX/XXXX ACCOUNT NUMBER- XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611, PLEASE PROVIDE THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED THE ACCOUNT, SO THAT I MAY FOLLOW UP. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR REINVESTIGATION.
Consumer complaint received 2024-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST PORTFOLIO SERVICING INC (IL)

This account was the result of identity theft. I have previously filed a FTC report and a Police report. Both reports given to creditor. This account has also been disputed with all XXXX credit agencies. Creditor refuses to remove account and stands by that I must pay the account even if it's identity theft and will not remove this fraudulent account.
Consumer complaint received 2024-06-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Fay Servicing, LLC (NJ)

The company responded to a previous complaint, case number XXXX, stating I closed on an FHA loan XXXX The company did not respond to my concerns about them not reviewing my loan for FHA modification options. They are servicing my loan as a conventional loan, which was told to me when I spoke with the Single Point of Contact. My loan has been modified but not refinanced, which means it should remain an FHA loan. My loan has not been considered for any FHA loss mitigation options, including partial claim or FHA HAMP.

Also, my SPOC advised me the income used for my loss mitigation application was {$0.00}, although I submitted evidence of income. If the income documents were not sufficient, the SPOC should have contacted me and assisted me with completing my package so it would be accurate when going to the underwriter. Instead, the package is being sent incomplete, so the underwriter can decline loan workout assistance.
Consumer complaint received 2024-06-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: NEW YORK COMMUNITY BANCORP INC (IN)

On XX/XX/year>, I asked Flagstar Bank to cancel my PMI for my mortgage loan with them. In support of my request, I provided a copy of my county 's appraisal of my property, which documented a loan-to-value ratio ( LTV ) under 80 %.

My request to remove my PMI was denied b
y Flagstar in a letter dated XX/XX/year>. I called Flagstar and a representative informed me that the PMI waiver requirements included completing a 24-month payment history. I explained that the form provided by Flagstar did not include that in its list of requirements. He agreed. The representative then also informed me that substantive improvements to the property had to be made before the PMI could be cancelled. I explained that the form also did not mention that requirement, though it listed others. He agreed. 

This is a deceptive business practice. Flagstar should include in its official PMI waiver request form its actual requirements for removing the PMI. If Flagstar had provided its actual requirements instead of the ones listed on the form, then I would not have wasted my time applying to have my PMI removed. 

In addition, the Flagstar representative also explained that appraisals provided by local governments for property tax purposes are not acceptable forms of appraisal for PMI removal requests. This policy is also not mentioned on the Flagstar PMI waiver request form.

A copy of Flagstar 's " PMI Waiver Request Form '' is attached for reference.

The representative then informed me that Flagstar 's PMI department can not be reached by telephone and that I would not be able to discuss the matter by phone with a Flagstar PMI representative.
Consumer complaint received 2024-05-16
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. (HI)

In accordance with the Fair Credit Reporting Act XXXX ( XXXX ) ( XXXX XXXX XXXX  ) Has violated my rights. 

15U.S.C 1681 Section 602A .States I have the right to privacy.

15U.S.C 1681 Section 604A Section 2 It also States a Customer Reporting Agency can not furnish a account without my Written instructions.
Consumer complaint received 2024-05-16
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. (HI)

In accordance with the Fair Credit Reporting Act Convergent ( XXXX ) ( XXXX XXXX XXXX ) Has violated my rights. 

15U.S.C 1681 Section 602A .States I have the right to privacy.

15U.S.C 1681 Section 604A Section 2 It also States a Customer Reporting Agency can not furnish a account without my Written instructions.
Consumer complaint received 2024-05-16
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)

Delete : Potential Negative Entry from My Credit Report for Account XXXX in XXXX, XXXX. 

Delete : Hard Inquiries : Inquired on DATE XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX on DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on DATE XX/XX/XXXX XXXX XXXX XXXX XXXX on DATE XX/XX/XXXX XXXX XXXX XXXX XXXX on DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on DATE XX/XX/XXXX XXXX XXXX.
Consumer complaint received 2024-01-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: NAVY FEDERAL CREDIT UNION (NC)

On XX/XX/2023, I deposited a check from my mother ( XXXX XXXX XXXX for the amount of {$500.00}. She banks with XXXX XXXX XXXXXXXX. I bank with Navy Federal.

I receive a letter shortly after from Navy Federal that the check could not be paid and the funds were taken out of my account. However, the funds were never returned back to my mother at XXXX XXXX XXXXXXXX. 

The reason for this was because the account could not be located. The issue is because my mother 's signature on the check overlapped a number. I mobile deposited the check and I'm assuming that the automated deposit system or the incompetent worker behind it misjudged the routing number and made it incorrect by one digit. 

I notified my mother and she went to her bank to resolve it. Unfortunately, they told her that Navy Federal would have to resolve it on their end. 
I speak to Navy Federal, and they said that the funds are stuck with the Federal Reserve because they did not receive anything, so they couldn't pay me anything.

I notified my mother again, and she went back. Her bank said they couldn't do anything. So I spoke to my bank again. 
Today, my mom went back to XXXX XXXX  XXXX and her bank said that they could not do anything and for me to submit something with my check fraud dept. 
I spoke to Navy Federal again, and they were unwilling to help me whatsoever. Saying that they couldn't do anything except for advise me on what to do, which is tell my mother to speak to her bank and send me a letter in x amount of business days saying that i didn't receive the funds. 

Both banks are playing games and I have absolutely no more patience for it. 
I called the Federal Reserve hoping that they could resolve it, however they said they do not hold any money and to contact you guys. 

So here I am. Please help.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am writing to follow up on our ongoing efforts to correct the late open accounts on my record. Despite our previous attempts, I regret to inform you that these issues still persist. As we enter this attempt to address this matter, it is crucial to emphasize the urgency and importance of rectifying these discrepancies promptly. The presence of late open accounts not only affects my credit score but also raises concerns about the accuracy and integrity of my credit information. 

I kindly request that you prioritize the investigation and resolution of these discrepancies, ensuring that all necessary steps are taken to correct them in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these discrepancies corrected on my credit report. XXXX XXXX XXXX Balance : {$550.00} ; XXXX  XXXX XXXX Balance : {$37.00} ; XXXX  XXXX XXXX Balance : {$700.00}.
Consumer complaint received 2022-01-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (CA)

It is a lot of companies like coinbase XXXX XXXX and a numerous a lot more I can not receive any of my Bitcoins through any wallet because they stopped my funds I can see my funds online and in my wallet but can not access him it is really frustrating and on top of that I have all my stocks and I can't get at all of them either there's obviously someone blocking me and hire means I just need some help and I know you guys know because through the SEC I found a lot of information so if you can please open up my funds to me that will be nice as well I am a Bitcoin minor says 2009 and all of my blocks that I mind go to coinbase and they are saying that they don't know where my native coins are cryptocurrencies So can you please release my things archetypes of the bottom of this My main goal is to help the world evolve in every way fit for the human to survive so by all means whatever money 's that I have give me half and you take half and let 's call it a day I am tired of not having anything any money my kids are getting older and I can not provide I'm on general assistance and have been most of all my life but yet in steel I have billions and billions of dollars so I haven't never seen So what that being said Can you please fix it Thank you America we stand as one