davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

On XX/XX/XXXX, my account was closed due to fradualant activity on my bank with a permanent freeze on the account, declaring money can not leave or enter the account. It was randomly closed and I lost access to all of my funds. I called on XX/XX/XXXX, and was told it would take up to 30 days to resolve the account closure and remove the hold. They told me I would receive a cashiers check within 10 days of the account closing. I was given zero updates via mail or phone about my account. They failed to report all of the fraudulent activity. They have recharged things I have proof was not me and have had an ongoing investigation on my account for three months now. I have call over 30 times since the account has closed to receive the same message over and over again. They failed to report that 8 accounts had been taken out in my name and SSN, and have activity on the accounts where money was moved from my primary into the fraudalent accounts. I have received zero accomodations, support, or beneficial assistance as a lot of money was taken from me and that was I supported myself. I haven't been able to pay all bills. The dates for the investigation time continues to grow as it went from 30, to 45, to now up to six months for a resolution.
Consumer complaint received 2023-04-13
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: Kimball, Tirey & St. John LLP (CA)

On XX/XX/XXXX and XXXX I wrote two letters. One to Kimball, Tirey. The other to XXXX XXXX. I asked both companies to prove I owe the debt, and prove that they own it. Neither has complied, and they're still reporting on my credit file.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.
Consumer complaint received 2023-11-21
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: United PanAm Financial Corp. (GA)

There are inquiries on my credit report from companies that I've never heard of. I tried to reach out to find out who they were and who authorized them. I've had difficulty. I tried disputing as well and it's still on my credit report. These companies were not authorized to access my personal credit report.
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NJ)

Dear Consumer Financial Protection Bureau, I hope this email finds you well. My name is XXXX XXXX, and I am writing to bring to your attention some unauthorized charges that appeared on my account while I was on vacation in XXXX XXXX XXXX 

Recently, I noticed several transactions on my account related to XXXX XXXX XXXX from XX/XX/XXXX - XXXX, 2024. The issue is that I was physically in XXXX XXXX XXXXXXXX during this time, and as you may know, New York prohibits online gaming casino apps. Therefore, these charges are not only unauthorized but also in violation of the local regulations. 

Here are the details of the transactions : Date and Time : XX/XX/XXXX - XXXX, 2024 Transaction Amount : {$34000.00} Description : Online Casino Gaming I kindly request that you investigate these charges promptly and take appropriate action. As a responsible user, I did not authorize these transactions, and I believe they were made without my consent. 

Please find attached any relevant documentation or evidence that supports my claim. Additionally, I have already contacted my bank to dispute these charges, but I wanted to inform you directly as well. 

I appreciate your attention to this matter and look forward to a swift resolution. If you require any further information, please feel free to reach out to me at [ your contact information ]. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-19
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: EQUIFAX, INC. (CA)

I am a victim of identity theft.I have an account on my credit report that is reporting incorrect fraudulent information that is withholding me from seeking new lines of credit. I have disputed this alleged account with XXXX, XXXX, and Equifax on XX/XX/2021. The account is from XXXX XXXX  and it is not mine as I have been a victim of identity theft. According to Federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) that all fraudulent information and accounts must be removed from the credit report pending proper documentation. I have attached the proper documentation in which I had also sent to the credit bureau 's documenting my identity theft. I have sent my FTC identity theft report, my police report, my drivers license, my social security card, a letter detailing my identity theft and more. All of the proper documentation is provided that is needed to prove my identity theft and that this account is not mine. Below I have attached the certified mail receipts documenting my communication with the credit bureau 's. I have attempted to remove this account directly with the bureau 's and they have chosen to let the account remain on my account
Consumer complaint received 2023-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC (TX)

Attempted to log into account online and web page stated account was locked to call for more information. I called and was told account was locked due to multiple log in attempts, I supplied all the requested documentation and was allowed access after about an hour on the phone, additional set up company fraud prevention items such as XXXX, and a pass phase and answer for future verification, this was all done on XXXX  XX/XX/2023 and account was unlocked and able to use. 
Attempted to pay a bill online with debit card on XX/XX/2023 and was declined, attempted to log into account online and =web page stated account inactive, to call in. I called in and was told my account has been closed due to fraudulent activity. Since XX/XX/2023 I have called and supplied all requested documentation, several times to have funds released so I can deposit in another bank and as of today XX/XX/2023 my funds are still being held. This has caused late payments, creditor calls and harassments, stress and inability to provide food for myself and family.
Consumer complaint received 2023-11-21
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: OneMain Finance Corporation (GA)

I tried to reach out to find out who they were and who authorized them. I've had difficulty. I tried disputing as well and it's still on my credit report. These companies were not authorized to access my personal credit report.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2023-11-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY (FL)

I am once again filing a complaint against Wells Fargo, regarding the settlement with you, the CFPB in XXXX XXXX 
I have previously filed a complaint here, based on the facts that I feel I should qualify for a portion of the settlement, with regard to a Mortgage Modification in XXXX.I have provided documentation, both to the CFPB, and to Wells Fargo directly , which shows where they withheld information and documents from me, in the modification process. Wells Fargo says they don't believe I should be a party to the settlement. When I have repeatedly asked for their reasons, or their matrix on how they are deciding who is a party to the settlement, they refuse to provide, stating that is internal and propriety information. I am asking you, the CFPB, to get involved. This company should not be allowed to simply deny someone's request, and ignore the information, and refuse to pay. If I truly don't qualify, based on some real and documentable basis, I'll drop it. But with the previous deception, and their inability to provide their qualifications, this smells dirty... again.
Consumer complaint received 2023-11-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (FL)

Now I receive the attached correspondence and they state there is an unauthorized third party. They do not have the right to illegally harrass me with phone calls, text messages emails after telling them to stop. If they wish to mail me something from time to time that is one thing. But not the rest. Stop emailing me. This is your formal notice. nothing more is required by law. Moreover, I have kept a spreadhsheet and documentation of every form of correspondence you have utilized that is in violation of the state and federal laws and i am prepared to use it for sake of Citi being penalized by the court. Do not play with me!
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-21
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. (NY)

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. 

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 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.
Consumer complaint received 2021-10-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Blackstad, Hrabe, Kirlorsky, LLC (AZ)

I received a phone call on Tuesday XX/XX/XXXX at XXXX from XXXX XXXX who is the operations manager of BHK Financial . He told me on our phone call that " he can make 1 phone call to the attorney '' and legal action would ensue. I do not owe a debt to BHK Financial, and from his explanation, they are just a third party attempting to collect on behalf of someone else. The threat that he can make " one phone call to the attorney '' and legal action would ensue is very abusive and deceptive, as BHK Financial is not the creditor.
Consumer complaint received 2024-04-29
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. (CO)

On XX/XX/XXXX, we purchased a used XXXX XXXX XXXX from XXXX XXXX in XXXX, Colorado. We knew we were going to finance it, but had not had a chance to verify the latest rate with our preferred lender ( XXXX ). When we told the sales person we wanted to verify the rate and then close the deal, he told us we could just put a downpayment on the car, and complete " the paperwork '' with his finance department with the understanding they would hold the paperwork for a short time while we confirmed the rate with XXXX. I was to let him know our decision the next day ( XX/XX/XXXX ). 

I verified the rate, XXXX was lower. We contacted the sales person by email on XX/XX/XXXX sending him the paperwork he would need to give to the finance department to complete the deal with XXXX 's financing. The sales person did not communicate with the Finance Department or he did and they ignored him. Over the weekend, the Finance Department initiated 2 hard inquiries on one credit reporting service, and 4 on a second credit reporting service and completed their paperwork, signing us up for a loan with XXXX XXXX. 
When we found out, I contacted the sales manager and got no movement. The Finance Manager reached out and basically told us we could choose to refinance the loan on our own if we wanted - but that we had 'signed the paperwork so he didn't feel he needed to do anything else '. We contacted the XXXX XXXX XXXX and I reached out to the sales manager by email - letting him know we had contacted the XXXX  and that whether it was a communication mishap or whatever, that we were not happy with the deal and wanted them to honor the agreement made with their sales person. They eventually responded to the XXXX  by supposedly buying out our loan with XXXX XXXX and replacing it with the loan from XXXX as requested. We expected them to reverse the hard inquiries on our credit report. They did not. I reached out to the Sales manager again, and asked him if they had a reason they could not reverse the hard inquiries. He did not respond. So we went back to the XXXX  and replied that our complaint was not complete. The Finance Manager responded to the XXXX  that we had signed the paperwork so he was not going to take any further action. Again... that wasn't the deal we made with their sales person - and even though they took partial action, my credit rating went from the low to mid XXXX 's to the high XXXX 's on both credit reporting services. 

My credit is important to me - and XXXX hasn't given me any logical explanation as to why they can't reverse inquiries that should never have been made against my credit. 

I have attached emails and the XXXX  chain of communication to cover details I may have missed in this overview.
Consumer complaint received 2023-08-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WESTERN ALLIANCE BANCORPORATION (CA)

I have three mortgage accounts with Western Alliance Bank ( WAB ) with the following property addresses and loan numbers. 
1. XXXX XXXX XXXX, XXXX, CA XXXX ( Loan # : XXXX ) XXXX. XXXX XXXX XXXX, XXXX, CA XXXX ( Loan # : XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX ( Loan # : XXXX ) I received two letters from informing me that the loss mitigation applications for the first and second properties are rejected because the investor has not approved the forbearance plan, repayment plan and payment deferral. ( see attached of both letters ). Prior to receiving these letters, WAB agent called me on XX/XX/XXXX and informed me that the third loan ( XXXX XXXX ) was approved for forbearance plan on the month on XXXX, XXXX and XX/XX/XXXX. On XX/XX/XXXX, I received another phone call from XXXX, one of the assigned agent for one of loss mitigation applications that all loss mitigation applications for all three loans are rejected and I should be receiving the denial letters. I informed him about the phone call on XX/XX/XXXX informing me the forbearance approval on XXXX XXXX and he said that the agent was incorrect. I also asked several WAB agent whether my loan is XXXX XXXXbacked loan and the investor is XXXX XXXX XXXX I received different answers that the investor of my loan was WAB or XXXX ( loan Held for Investment ). I explained to the WAB agents that five other conventional loans ( XXXX XXXX-backed loans ) that I hold are approved for mortgage forbearance already from other loan servicing companies, such as XXXX XXXX and XXXX XXXX XXXX XXXX ( See attached forebearance approval letters from both companies ). All the loss mitigation applications that I submitted to WAB, XXXX XXXX and XXXX XXXX, XXXX were based on identical reasonings shown on the hardship letter, such as unemployment, settlement agreement paid out to tenant in XXXX XXXX XXXX, XXXX XXXX, CA XXXX, and flooding disaster on the property located on XXXX XXXX XXXX XXXX, XXXX, CA XXXX ( see the attached hardship letter ). In addition, all these properties serviced by WAB, XXXX XXXX and XXXX XXXX, XXXX are investment properties. Nevertheless, the agent kept mentioning to me that the investors rejected the loss mitigation applications. 

I finally requested the supervisor to call me back to explain the outcome and clarified the loan types and investors. I received a phone call from the supervisor on XX/XX/XXXX, who finally clarified that all loans are XXXX XXXX loan. She also informed me that all the denial letters for all three loans will be uploaded on the loan portals. I never received the denial letters on the client portals, but on the mail on XX/XX/XXXX and XX/XX/XXXX for the first and second loans, respectively. Thus far, the denial letters for the 3rd loan has not been received in the mail. I believe that my loss mitigation applications reviewed by WAB have not been properly evaluated according to the XXXX guidelines .
Consumer complaint received 2017-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (TX)

I initially filed a complaint against  TD B ank, USA and debt collector attorney 's office  XXXX ,  XXXX ,  XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX . for deceptive tactics to collect on bad  debt.TD Bank USA  responded stating that  XXXX ,  XXXX ,  XXXX ,  XXXX   XXXX   XXXX  was servicing the account.     I was sued on this account an d TD  Bank stated they wrote this account off. If this is true, they never sent me a  XXXX  to report on my taxes. I contacted the Internal Revenue Service and it was stated that they did not have one on file. This would mea n two things, TD Ba nk wrote it off on taxes and are trying to sue me for what they wrote off, which would be illegal, or they have sold this account.     It has already been determined in the letter that they charged the account off o n   XXXX   XXXX  , 201  6 wh ich was in the response  Case #    XXXX . The attorneys are claiming they are suing me on behalf of the company, and if that is the case, that means tha t TD Bank is violating tax laws with the IRS, however if they are no longer custodians of this accoun t and sold it, I need them to state that in a response that they sold this account to the law firm.     If they do not respond that they sold this account I am asking that this information be sent to the Internal Revenue Service for investigation into tax fraud.     Tax fraud occurs when an individual or business entity willfully and intentionally falsifies information on a tax return in order to limit the amount of tax liability. Tax fraud essentially entails cheating on a tax return in an attempt to avoid paying the entire tax obligation. Simply   TD Bank ca n't sue me and charge off the account.
The law firm filed a legal document bearing TD Bank as the plaintiff.
Consumer complaint received 2021-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NY)

Chime Bank is a disaster. I have pursued a dispute with the company and opened the dispute within a timely manner. Regardless of sending Chime proof, they closed my case NOT in my favor. Chime Bank sent me emails ( which I have inlcuded ) that stated that there WERE errors on the account and that I would be permanently credited for my disputed transactions ( paying via other means ). I sent a detailed document from my XXXX bank account PROVING PAID BY OTHER MEANS. Recently received email from CHIME denying me my dispute ( regardless of stating the dispute was in my favor ). The reasoning/Chime 's proof was UNINTELLIGIBLE. they sent a practically UNREADABLE document that displays a transaction in a general manner, without OFFICIAL LETTERHEAD. There is NO Proof supplied by Chime/Merchant that would make their proof more legitimate than MINE. I have the proof, chime stated it was NOT in my favor because of an unofficial document THAT PROVES NOTHING
Consumer complaint received 2023-03-31
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: EQUIFAX, INC. (IL)

I've had issues with identity theft. I had noticed inquiries on my credit report that I did not authorize. I contacted Equifax, informed them of the unauthorized inquiries, and asked them to be removed, but it appears they are still on my credit report. The following inquiries were unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

I wrote all three bureaus and call each company that's reporting inaccurate information, I asked that the items be investigated and updated.There are things still on my reports. I have Know Knowledge of the Closed accounts, Hard inquiries, and Collections that I don't recognize. Please REMOVE all derogatory remarks