davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

This is in response to the bank 's response to our previous CFPB complaint : USBANK did credit our account AFTER you forwarded them our complaint. However, their response is misleading. Within a day of our account being debited the altered check amounts we notified them, BEFORE the funds were dispersed to the forgers. This wasn't a difficult forgery case to solve, the memo area on both altered checks had not been removed and clearly said " IRS est tax pmt '' and " Calif est tax pmt '' along with my TID #. The " pay to '' line and the check amounts had been changed. It would be obvious to anyone that such payments aren't made to individuals. Yet it took almost 4 months to get our funds back!! This is gross incompetence at the very least!
Consumer complaint received 2024-01-23
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (NJ)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 O 2 states I have the right to privacy ( 15 USC 1681 ( section 6 O 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-09-25
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or misleading advertising or marketing — 
Company: WELLS FARGO & COMPANY (PA)

On or about XX/XX/2023 an agreement between myself and Wells Fargo Preservation Department agreed upon a 3 month Loan Modification and I was told that my house will be out of Foreclosure. However this was nothing but a Fraudulent Lie because as you can see in the attachment despite me keeping my word and paying the first Trial Payment. Wells Fargo fraudulently misled me and kept my residence on the Sheriff Sale list with a new date XX/XX/2023. Then the Preservation Department sends me an email claiming that theres an issue pertaining XXXX XXXX to whom is the other 50 % owner to whom theyre trying to cover for forging my name on the note and forgery on an {$18000.00} Refinance Check. Yet hes been missing in action for the past 18 years and didnt even attend his wifes funeral. Also Wells Fargo continues to harass me by sending mail here in his name after knowing the fact that he doesnt live here. And since theres an issue with the Mortgage Title then Wells Fargo shouldve informed me prior to this XXXX XXXX
Consumer complaint received 2024-01-23
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I filled a report on Bank of America and got a call from XXXX a few days ago and on today ( XX/XX/2024 I received a call from XXXX XXXX asking me for my non public private information which is against the law.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

In XX/XX/XXXX, a fraudulent account was opened with XXXX XXXX XXXX without my knowledge or consent. This unauthorized activity was first discovered by me in XX/XX/XXXX during a mortgage application. The account pertained to an auto lease valued at {$79000.00}, and it subsequently appeared on my credit report, negatively impacting my credit score and financial standing. 

Upon discovering the fraudulent activity, I immediately took proactive steps to address the issue : Filed an FTC Identity Theft Report : In XX/XX/XXXX, I filed an official report with the Federal Trade Commission ( FTC ) to document the identity theft, indicating that the information used to open the account was obtained and used without my authorization. 
Notified the Credit Bureaus : I alerted the major credit bureaus, including XXXX, XXXX, and Equifax, requesting the removal of the unauthorized inquiry and account from my credit reports to correct the inaccuracies stemming from this identity theft. 

These actions were taken to mitigate the damage caused by this incident and to prevent further misuse of my personal information. I am seeking the immediate removal of this fraudulent account from all records and assurance that measures are put in place to protect against future incidents of identity theft. 

The accounts and inquries that are the result of fraud are below ; Account : XXXX XXXX XXXX {$51000.00} Balance updated XX/XX/XXXX Original balance {$79000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX CXXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XXXX XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX & XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Consumer complaint received 2024-01-23
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (TX)

XXXX XXXX XXXX XXXX reported the amount and then PROFESSIONAL DBT reported it AGAIN! I asked why when this has already been reported and they couldnt give me an answer. I said it was unfair that I was being charged twice if this really were me bill and that this bill belonged to XXXX XXXX and PROFESSIONAL DBT did nothing.
Consumer complaint received 2024-01-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (TN)

I have an AMEX card with a due date of XX/XX/ and the amount due was {$40.00}. I paid {$41.00} via an electronic payment from my XXXX account on XX/XX/ and the money was deducted from my account on the same day ( XXXX  ). Today, I checked my account to see my updated balance and noticed a late fee of {$29.00}. I contacted AMEX through their messaging system in the AMEX app. I explained the situation with them and they said that the payment was late. I asked if there was an email for me to send proof that the payment wasn't late, and he said no. Then, the customer service agent asked if I wanted to file a waiver, and I said yes. Approximately 5-10 seconds later, he says that the waiver was denied because the payment was late. So, I contacted XXXX bank to confirm if the payment was delivered on time. The customer service agent with XXXX confirmed that the payment was deducted from my account on XX/XX/ and was delivered without issue on XX/XX/. XXXX XXXX 's policy, " electronic payments are sent two business days prior to the due date to ensure on time delivery. Some billers may not show the payment right away, but once they do it shoulder be credited as of the delivery date. '' On top of being charged a {$29.00} late fee, my next payment is {$70.00}. I have already filed a XXXX  complaint against the company.
Consumer complaint received 2024-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PLANET HOME LENDING, LLC (WA)

Payment from my bill pay was scheduled to arrive to Planet Home Lending by XX/XX/XXXX and was mailed on the XXXX. Planet Home Lending Claims that they did not receive payment until XX/XX/XXXX and charged a late fee. This is the second occurrence of this type of " payment delay '' and reason to collect late fees.
Consumer complaint received 2024-04-23
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. (PA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (TX)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Texas Laws Dear XXXX Milestone Credit Services, I am writing to address blatant violations regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, specifically Texas Penal Code Section 32.51 . 

It has unequivocally come to my attention that XXXX Milestone Credit Services has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Texas state law, specifically Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Texas Penal Code Section 32.51, underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for XXXX Milestone Credit Services to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that XXXX Milestone Credit Services immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that XXXX Milestone Credit Services will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

These are my repeated attempts to inform you that I've fallen victim to identity theft. I'm raising concerns regarding certain entries in my documents that stem from this crime. These entries are unrelated to any legitimate transactions I've initiated or approved, involving no purchases of goods, services, or money. If indifference persists, I request the removal of any details in my credit record associated with alleged 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 udulent activities or extortion.
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. (NY)

According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XX/XX/2023 I mailed a letter to all 3 credit bureaus informing that the XXXX XXXX XXXX has expired and I would like all of the items included in the XXXX XXXX  deleted as well as the XXXX XXXX.
Consumer complaint received 2023-11-26
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Charged off account on XX/XX/2018 they still have not sent or filed the 1099-c form I call they put me on hold then transfer me rings for XXXX ends call this is still being reported on my consumer report as income I am giving 10 days for XXXX department store to make an offer to cure and satisfy my damages personally I have suffered due to this fcra fcc bbb require I receive I believe within XXXX days then1099 c form or it be filed it has not XXXX! years going
Consumer complaint received 2024-01-23
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (UT)

I applied for an AMEX XXXX XXXX XXXX, which stated that you will received XXXX bonus points after spending XXXX in 90 days, and I did that. I reached out to customer service and they said i did not qualify for the offer. I said I was approved for the card and was only advised to do the qualifying spend. Their promotion is clearly unfair, and deceptive and they don't even notify you. I reached out to Amex and all they said is they can not do anything else for me.I said I would not have applied for the card, and have them run my credit and impact my score unless I am getting the bonus offer, which I was under the expectation that I am getting after the qualifying spend. Amex can't do anything else for me, I gave them a chance to make this right but they are not standing by their customer, and not making it right.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2023-07-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: FISERV INC. (FL)

Business identification Merchant identification ( MID ) XXXX HELLO MY NAME IS XXXX XXXX, AND MY BUSINESS NAME IS ALSO CALLED XXXX XXXX, I AM WRITING THIS CLAIM BECAUSE I AM TRYING TO RECOVER MONEY THAT IS FROZEN FOR MORE THAN A YEAR, WITH NO REASON TO EXPLAIN WHY I WAS NOT GIVEN I HAVE DELIVERED MY FUNDS, PLEASE DEMAND TO SEND A CHECK WITH MY FUNDS TO MY CURRENT MAILING ADDRESS, XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, IT IS THE SAME ADDRESS WHICH I HAD MY ACCOUNT WITH THE XXXX COMPANY, PREVIOUSLY I WAS TOLD THAT I HAD TO WAIT 3 MONTHS IN CASE ANY TRANSACTION WAS RETURNED, THEN I DECIDED TO WAIT, BUT I HAVE MORE THAN A YEAR AND I HAVE NOT BEEN DELIVERED OR MONEY YET..
Consumer complaint received 2024-01-23
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (WV)

Someone hacked my paypal account and used all my funds and even transferred funds and took them from other banks I had linked to the account. I spoke with PayPal for weeks, I was told by XXXX different customer service reps that they could see my account was hacked because there were XXXX different ip addresses on my account from different locations and they would reopen the closed disputes and I would recieve a full refund. Paypal then denied the disputes and even took back the provisional credits worth {$1300.00} they gave me for the fraudulent charges
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX 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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified several accounts that are reporting late payments inaccurately and I want to dispute the inaccuracy of these accounts. I have contacted the companies related with these accounts, and they have confirmed that the late payments were errors and have agreed to update my accounts and take off the late payments. I would like to convey to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections. 

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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified several accounts that are reporting late payments inaccurately and I want to dispute the inaccuracy of these accounts. I have contacted the companies related with these accounts, and they have confirmed that the late payments were errors and have agreed to update my accounts and take off the late payments. I would like to convey to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections. 

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I hope this email finds you well. I am writing to follow up on my previous communications regarding the removal of fraudulent items from my credit report. This marks the 4th formal attempt to address this critical matter.

Despite my repeated efforts and numerous requests, the fraudulent transactions remain unresolved, causing significant distress and affecting my financial credibility. It is imperative that these unauthorized entries are promptly removed from my credit report to ensure its accuracy and integrity. 

I urge you to take immediate action to rectify this matter and provide me with confirmation once the fraudulent items have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 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 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/XXXX.