davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

Dear CFPB Rep, My problem with Mr. Cooper Mortgage Co began XX/XX/2020 & has continued thru XX/XX/2020. For many years I have included additional $ with my monthly mortgage pymt to be applied toward principal. To date I have included {$700.00} in addition to regular pymt to be applied solely to the principal. Prior to XX/XX/2020 there has never been a problem with Mr Cooper applying the additional $ to principal. Since XX/XX/2020 thru present I have had to call Mr Cooper up to 5 times per month requesting my additional $ to be reversed as a regular monthly pymt and apply to my principal as indicated on my Mr Cooper automatic pymt profile. I have also emailed manager and research dept to have the correction done but, the problem persists monthly. Attached is a listing of my pymt history. You will readily notice the slipshod mgmt ' of my monthly pymts '.
Consumer complaint received 2023-04-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery Associates ( XXXX ) called looking to collect a debt from my now ex-wife. I have absolutely no debt so I have no doubt that the calls are not for me. 

They have called me from local numbers and the one listed above. 

I have told all 3 callers who I am and to remove me from the call list. Today was the 3rd call. 

I do not associate with my ex-wife at all. None of this debt is mine. The number they call me on is one I had gotten after the divorce. 

This has to stop.
Consumer complaint received 2023-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/XXXX I ordered the wells fargo autograph card. On XX/XX/XXXX, my card was used fraudulently without me having ever received the card. 

I was issued a new card after WF did their fraud investigation. 

I was issued a new card on XX/XX/XXXX. 

It is currently XX/XX/XXXX and I have yet to receive the card in the mail. 

The card comes with a promotion to spend X amount in 90 days and receive Y bonus points. 

The days have been ticking off from the promotion yet I don't have a card and can't use it... I asked if they could reset the promotion date to when my new card was issued. 

The customer service rep was short, rude, and did not help. She said there was nothing to be done. 

This seems wrong...
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I've contacted transunion in the past to remove the unauthorized inquiry from my credit report, they told to me reach out to XXXX which where the inquiry come from. I contacted them and got an letter saying that the inquiry will be remove from my report and it never happened.
Consumer complaint received 2018-11-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP (PA)

I recently received forms from Pressler and Pressler representing XXXX XXXX. They had a judgment against a few years ago, and now they have a second one against me. I had to fill out an itemized form of all of my assets, bank account and income. 

I was never told they were going to do this, because last time I had a case with the cfpb under XXXX there were several cases opened. To stop the judgment and debt. I notified them in XX/XX/XXXX that all I get for income is XXXX, XXXX a month, and medical from the government. I give XXXX every month to XXXX XXXX to pay the cell phone bill XXXX, and the tv bill XXXX the rest is used for whatever bills he needs to pay. We are not married, I changed my name in XX/XX/XXXX to have the same name as my son, and XXXX was fine with that, I have the judge signed copy. Everything like the house and cars furniture washer dryer, kitchen appliances, anything like that he owns and has paid for. I own nothing except under 300 dollars worth of things. I have XXXX in rings, XXXX in facial wash and cleansers, XXXX in shower and bath products, a necklace chain XXXX on XXXX and a couple of pendants XXXX and hair and nail products. that is it. I have XXXX for the month from my XXXX, and that's it. I cant purchace much at all. Thatls all l live on for a month. He will help if he needs to. I don't understand this because I was told by XXXX that the debt was charged off, the judgment was taken off and Pressler and Pressler no longer had the case. So I don't understand how a lifetime judgment is being put against me, I will never be able to get married, or, bye anything or have anything that is mine. I feel worthless from this and my XXXX are getting worse which is what my XXXX XXXX is. Since XX/XX/XXXX, I have been trying to find a doctor to help me, but none can so far. So I am on XXXX for the rest of my life, and can not afford to pay you anything.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (TX)

I sent the credit bureaus letters asking them to verify a debts on my report. They have sent it back stating that everything is verified correctly. My credit report is still showing inaccuracies. 
15 U.S.C 1681s-2 ( A ) ( 1 ) Reporting information with actual knowledge of errors 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. 

According to NMLSCONSUMERACCESS.ORG this company does not have a license to collect ANY debt in the state of Texas. 

I would like to know how this company is reporting an alleged collections account as an open account with a past due amount as valid and accurate. This alleged account is listed as a Collection with a PAST DUE BALANCE OF {$420.00} - ACCOUNT # XXXX, {$4300.00} - ACCOUNT # XXXX, {$1000.00} - ACCOUNT # XXXX This is a violation of FCRA and also in violation of requisite METRO 2 COMPLIANT reporting standards and must be permanently removed from my consumer report. 
If you can not provide me with your method of validation then please delete due to inaccurate reporting.
Consumer complaint received 2023-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was looking over my credit report there was some of these inquires on TransUnion, XXXX and XXXX. that I do not recall. Nor giving them permission to run my credit. Before, I submitted a claim with CFPB I contacted each bureau as well as the banks that ran my credit. Neither could give me information on these inquires. Therefore, my next course of action is to submit a complaint with CFPB regarding these inquires.
Consumer complaint received 2024-01-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

Had fraudulent activity in my chase bank account around XX/XX/XXXX - XXXX XXXX Claim XXXX XXXXXXXX Fax XXXX XXXXXXXX Last acc XXXX XXXXXXXX Due to Account takeover with phone XXXX XXXX but they never reimburse the fund. I sent over police report & identity report Total about {$5000.00} or more
Consumer complaint received 2024-01-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: 1st Franklin Financial Corporation (SC)

I am writing to file a formal complaint regarding a COLLECTION account labeled " XXXX XXXX XXXX XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. 
To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. 
The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX  that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Consumer complaint received 2024-01-11
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (MD)

XX/XX/XXXX XXXX XXXX spoke to a rep as the executor of my fathers estate, he has a roth ira and a CD at USbank. 
XX/XX/XXXX got a copy and paste condolence response and a rep in charge of the case. 
6 calls and many emails later, still no responses. 
Sent a copy of the death cert and letters of admin, no confirmation of receipt.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX, Michigan, XXXX XX/XX/XXXX TransUnion Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Sir/Madam, Subject : Dispute and Request for Investigation of Inaccurate Information on my Credit Report I am writing to dispute certain items on my credit report provided by TransUnion, XXXX, and XXXX. After recently obtaining my consumer report, I have discovered inaccuracies related to the collections accounts associated with the following creditors : XXXX ( account number ending in XXXX ), XXXX  ( account number ending in XXXX ), and XXXX XXXX ( account number ending in XXXX ). 

The inaccuracies that I am disputing are as follows : Incorrect Date of Birth : My date of birth is inaccurately reported as XX/XX/XXXX However, I can provide concrete proof through my official identification and citizenship papers that my correct date of birth is XX/XX/XXXX. 

Account Opening Date : The accounts with the above-mentioned creditors were reported as opened before I turned XXXX years old. As per my correct date of birth, I was born on XX/XX/XXXX. Therefore, it is evident that these accounts were opened before I reached the age of XXXX, which is incorrect and a violation of credit regulations. 

I kindly request a thorough investigation into these matters to rectify the discrepancies in my credit report. The presence of these inaccuracies negatively impacts my creditworthiness and financial standing, which may hinder my ability to obtain credit and loans in the future. 

I can provide copies of my identification documents and citizenship papers to support the verification of my correct date of birth. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I understand that you have 30 days from the date of receipt of this dispute letter to conduct your investigation and provide me with the results. I request that you promptly send me a written response outlining the actions taken to correct the inaccuracies on my credit report. 

Thank you for your attention to this matter. I appreciate your assistance in resolving this dispute and look forward to a timely update of my credit report. 

Sincerely, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, Michigan, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2023-11-30
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. (TX)

I do not recognize these credit inquires and I have asked them to be removed and the Bureau did not remove them.I am providing an Identity Theft report attached and I am requesting that the inquiries be removed because they are inaccurate and not mine.
Consumer complaint received 2024-04-18
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. (AZ)

Hey hope all is well, I have recently looked at my credit report and see some unauthorized accounts and inquiries. I have beyond reasonable doubt to believe that these credit agencies have violated my consumer rights with the furnishing of this erroneous information. 

Also on my prior dispute I uploaded the wrong birth certificate and social security card for verification. That information belonged to my son as we have the exact same name, I didn't notice it until I received correspondence about confirming my identity So I've uploaded the correct information. 

In accordance with the Fair Credit Reporting Act the reporting of XXXX  Account XXXX  XXXX # XXXX, and XXXX XXXX XXXX XXXX has violated my rights. 

Also Inquiries on TRANSUNION ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX 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 a account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

FCRA SECTION 623 ( a ) Duty of Furnishers of Information to Provide Accurate Information ( A ) Reporting information with actual knowledge of errors. 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. 

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-08-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: MicroBilt / PRBC (formerly CL Verify) (MD)

I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copy of my MicroBilt consumer credit report sent to me via mail.
Consumer complaint received 2024-01-11
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (NC)

This is the second complaint against Chexsystems because they refuse to respond or answer my complaint. I have been turned down for bank accounts and I DO NOT KNOW WHY. When I pull their consumer report, it says " no information found ''. When I made SEVERAL calls to Chexsystems, not only did I have to deal with people overseas who barely speak XXXX, but they also said they can not tell me WHO is reporting me. If this is YOUR REPORT FROM YOUR COMPANY, YOU SHOULD BE ABLE TO TELL ME WHO IS REPORTING THE INFORMATION. 

Do not tell me that you have NO INFORMATION AGAINST ME if you are the agency that reports the information from banks and credit unions. You have a responsibility to FIND the information that you are reporting AGAINST ME. I am going to give Chexsystems 30 days to rectify this-either by removing my name from their system and the derogatory information or providing me with the company who is reporting the information. If not, I will be seeking legal representation against Chexsystems. They have 30 days FROM TODAY XX/XX/24 to furnish me the requested information. I have provided a copy of this letter to my attorney. We will sue if this isn't fixed within this time frame. I am reaching out to the CFPB as well and filing a complaint to them as well.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, 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)

Notice of Rights Violation under the Fair Credit Reporting Act ( FCRA ) Account XXXX and XXXX I hope this message finds you well. I am writing to bring to your attention a serious matter regarding the violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Based on the provisions stated in 15 U.S.C 1681eb, 15 U.S.C 1681s, and 15 U.S.C 1681b, I firmly believe that my rights as a consumer have been infringed upon. The FCRA is designed to protect individuals like me from inaccuracies and misconduct related to credit reporting and ensure the fair and accurate reporting of credit information. 

I am deeply concerned about the handling of my personal credit information, and I request that you investigate this matter promptly and thoroughly to rectify any inaccuracies and violations as required by law.
Consumer complaint received 2024-01-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

I logged into my CFPB account this morning and saw Chase response to my complaint.I am a victim of a fraud, scam or financial exploitation by Chase.They stated that I cancelled the disputes and they closed my claims but that is not true.They also said that my claim is totaled {$1900.00}, that is also not true.My claim is totaled XXXX but I asked Chase bank to pay {$1900.00} to the merchants not including XXXX XXXX XXXX XXXX from my checking account. ( Please take note ) After my claim was denied, My paycheck was directly deposited into my account.My wife 's income was also deposited into the joint account.I spoke with Chase Bank for them to deduct {$1900.00} from our wages and pay the merchants.I spoke with the merchants on different occasions and they said that they didn't receive any payment from Chase Bank.I contacted Chase bank customer service representatives and they told me that money were remitted to the merchants.I then spoke with Chase bank fraud department, they told me that Chase bank did not pay the merchants and that the customer service agents were giving me false information.Chase fraud department promised to pay the merchants before a specific date last year XXXX, but they didn't. After I reported Chase Bank to Consumer financial protection bureau, they paid {$490.00} to XXXX XXXX XXXX, {$490.00} to XXXX XXXX instead of {$990.00} .Chase bank is supposed to pay XXXX XXXX XXXX XXXX XXXX but they did not.Chase bank is owing a balance of $ XXXX.For this reason, I am asking Consumer financial protection bureau to do something for me.Help me recover the balance of {$910.00} from Chase bank.I have gone through emotional pain and suffering.My credit is severely damaged because of these debts, I am going through alot of problems .Chase bank in their response stated that the funds will go back to Visa for the merchants to collect.Why?. They did not use visa to withdraw the money from my account when they did.I don't know where they kept my money when they said that they paid the merchants, at the end.it was all lies.Mind you, this incident took place last year XXXX.Chase bank is still with my money and have not paid all the merchants.Please, I want them to pay the balance of {$910.00} to XXXX XXXX XXXX XXXX and XXXX XXXX.
Consumer complaint received 2023-12-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo admitted to wrong doung by sending me {$200.00} check. I dispute this amount as I had to pay an attorney {$1500.00}, moving expenses and distress having to abandon my home. I feel I am entitled to more. Please see my number of complaints trying to resolve with your organization. Wells Fargo had deceptive and illegal business practices. I called them upon receipt of {$200.00} and they assured to camm me back in 72 hours and they never did. Is been over 5 days.
Consumer complaint received 2021-07-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: TD BANK US HOLDING COMPANY (NY)

I have my money in my account with Td Bank when I went to do transaction the Bank told me they have XXXX the money to unknown person that I have no idea.The Bank have the nerve to tell me is not Bank error and I should tell the loss and be quiet.I have all efforts to get my {$300.00} refunded but the Bank TD Bank have refused since XX/XX/21.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting Act the list of accounts below has violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681 XXXX XXXX ( Original Creditor : XXXX XXXX ) acct : # XXXX, XXXX, acct : # XXXX, Personal information : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX. 

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 account without my written instructions.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN HONDA FINANCE CORP (LA)

I recently reviewed my credit report where I discovered that American Honda Finance ( account opened XXXX ) notated an account as Charge off /Collections on my profile. It was never disclosed to me upon our agreement that I had the right to opt in or opt out of my personal information being shared with a third party. In pursuant to title 15 U.S.C. 1681b ( a ) ( 2 ) any information placed on my Consumer report should be based in accordance to my written instructions. In pursuant to title 15 U.S.C. 1681c ( 4 ) No charge off /Collection should be listed on a consumer report without written consent and an adequate notice antedating 7 years.