davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (OH)

Claim was denied in 6 days, and no information was given on why it was denied even though I asked them numerous times for it Arrived in XXXX XXXX this past month, was going to the ATM and was confronted by XXXX XXXX XXXX They forced me at XXXX XXXX  to give them my wallet and phone, basically everything with me. They then had me take them to my XXXX where they held me XXXX that week while they emptied my bank account. Once I arrived back to the USA, I reported everything to my banks/credit companies. Every company felt sorrow and compassion for me and was able to get reimburse for the lost money. Only one company denied my claim which was Current Bank. Its basically saying I should have not given them my pin and XXXX  over this. I feel like they dont care what even happened honestly. I feel like my life would cost more but they didnt. They denied the claim so quickly I was shocked. It was really disappointing and frustrating that I almost XXXX and my own bank I use doesnt even care.
Consumer complaint received 2023-07-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (OR)

In XX/XX/2022, I missed my 1st mortgage payment. I contacted my servicer before I missed my payment, they refused to help me. 
In XX/XX/2022, I was able to make my payment, but they wanted 2 months + fees. I told them I couldnt make that since I was recovering from a hardship. 
They pretended to consider me for loss mitigation, its been 8 month and I still havent received any response towards their decision. 
I know they delayed me on purpose because I applied for HAF. When I was denied due to amount of my total home loan, they switched my caseworker and the pretending started over. 
My monthly payment is {$7100.00}. I have given them the same paperwork each month and expressed my health issues due to the distress they have caused me. 
I now owe over {$60000.00} because they kept ignoring and delaying me. 
I feel like Im being mistreated because Im a minority women.
Consumer complaint received 2024-02-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: OPORTUN FINANCIAL CORPORATION (CA)

There is a loan I took out for a friend of mine ( big mistake, I know ) then I let him do payments. He was falling behind on payments, and I was on him about getting everything paid off. He said he would take care of it, the borrower used to call me, and I would be aware of the issue in which I made some payments personally. They abruptly stopped calling, stopped sending me emails so I assumed the issue got resolved. Turns out they sent it to collections without my knowledge and did not warn me in advance. Either in person or via email. Now I have a bad mark without the opportunity to take care of it in advance. I am trying to find a new home and keep getting denied. If anyone can help or if there is any advice, please let me know. Thank You for your time.
Consumer complaint received 2023-09-13
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)

This is completely inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry was not authorized XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-17
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. (TN)

XXXX XXXX XXXX IN is reporting on my consumer reports at Experian, XXXX and XXXX. As a debt buyer/third party debt collector they do not have permissible purpose ( which is my consent ) to furnish this information on my consumer report because I have no contract with them whatsoever. I never gave permission for them to share my personal information.
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: Experian Information Solutions Inc. (TX)

Recently, I did an investigation on my credit report which caused financial hardships & stress on me because, I feel like some of my personal information may have fallen into the wrong hands based on the XXXX data breach I found unverifiable, invalidated, inaccurate, and questionable items that Experian, XXXX, XXXX didnt make sure it was reporting 100 % correct. I reached out to them and nothing was done. In accordance with Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-11-02
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. (AZ)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, TransUnion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of personal credit card account opened at XXXX XXXX opened on XX/XX/XXXX Another personal credit card account opened at XXXX XXXX opened on XX/XX/XXXX Another personal credit card account opened at XXXX  XXXX XXXX opened on XX/XX/XXXX And another personal credit card account opened at XXXXXXXX XXXX XXXX opened on XX/XX/XXXX An auto loan account opened at XXXX XXXX  opened on XX/XX/XXXX Another auto loan opened at XXXX XXXX XXXX opened on XX/XX/XXXX These accounts have resulted in several fraudulent Charge offs and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the Charged off accounts in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, Charge offs or collections as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and Charge Offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, and # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-06-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: SANTANDER HOLDINGS USA, INC. (MI)

Ive contacted Chrysler Capital numerous times and left many messages. I told them that I return the car over a month ago, and Ive receive my down payment back. Chrysler Capital has not closed the loan account and is still requiring me to make payments on a car that I do not own, nor possess.
Consumer complaint received 2024-02-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2023, I directed my bank in XXXX, XXXX XXXX, to wire transfer the amount of {$29000.00} to my wifes account at Chase bank in XXXX XXXX, and indicated both the account number and customer name on the XXXX account that was to receive the funds. However, I soon learned that the funds had been sent to the wrong account, even though the beneficiary name and account number did not match. In a XXXX message to the Sending Bank, XXXX acknowledged that it had wired the funds to the wrong account, even though there was a mismatch between the beneficiary name and account number. I have complained to both my bank in XXXX and to Chase, demanding that the funds be returned or otherwise credited to me or my wifes account, but to date neither I nor my wife have received any portion of these funds. Attached is the last response I received from XXXX dated XX/XX/2023, which references my complaint XXXX XXXX. XXXX. Also attached is a screenshot of the XXXX message from Chase to the sending bank, acknowledging the mismatch between beneficiary name and account number. I request that Chase immediately refund or otherwise credit to me or my wifes account the amount of {$29000.00} plus interest.
Consumer complaint received 2024-07-17
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. (NY)

I am writing with the utmost urgency to demand immediate action regarding the fraudulent accounts and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith : Expunge all fraudulent accounts from my credit report. 
Provide written confirmation that these items have been removed.

Conduct a comprehensive investigation into how these accounts were erroneously reported.

Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp. (CA)

I am living abroad in XXXX and have no physical card. I can not withdrawl cash with a virtual wallet. I signed up for WorldRemit yesterday ( worldremit.com ) because they advertise the website as an option to send money abroad, and to yourself, and pick it up in minutes. I tried twice to send to myself when given a dropdown list of options which include the option to self-send cash. IMPORTANT! I had already verified my ID and was accepted and had dual factor authentification initiated. PER THEIR WEBSITE FAQs! WorldRemit states in their question section word-for-word ( link attached to page ) : Can I send money to myself with WorldRemit? 
Yes. If you're on holiday, studying abroad or working overseas, you can send money or airtime to yourself with WorldRemit. 

Collect cash in a nearby shop, pick up funds from a local bank, get an instant transfer to your mobile money account, or top up your phone on the go. The choice is yours. 

LINK : ( https : //www.worldremit.com/en/blog/product/most-asked-questions ) -- -- -- -- -- -- -- -- -- -- -- -- -- My transaction of {$220.00} to myself was instantly denied twice by them when my bank did not deny on their end, and confirmed my use. I didn't understand why I was being denied so I reached out to customer service ( transcripts below ), and asked why I was denied. After XXXX minutes of waiting, a chat representative joined and when I asked HE/SHE STATED WORD FOR WORD ( attached below ) and did not even answer my question : " Your transaction has been cancelled because you can not send it to yourself '' ignoring my question of why, and when I asked again twice simply stated I would recieve a refund and left the chat. Keep in mind, after every purchase a confirmation email is sent from the company, I never recieved XXXX. I tried again this afternoon to send to my girlfriend, it was approved, I WAS CHARGED {$250.00} WITH XXXX CONFIRMATION EMAIL OR CHAT HELP and remained void and when I requested to cancel, no email as well. No email of confirmation, XXXX XXXX breach of policies on their end ( their own ), non-transparency, etc. I was verified, all information legal and correct on both ends, I have an address and ID in XXXX, and in the XXXX, so does my girlfriend, both verified. I called by phone to find a solution, waited an hour, and an actual agent answered and simply said " no phone '' and hung up, XXXX clue why or how this is legal or on what basis.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

FOLLOW UP. I FILED A COMPLAINT 30 DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, 
YOU HAVE 30 DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS. 



On XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. XXXX XXXX XXXX., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2024-02-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (TN)

I am formally writing this complaint because I noticed a debt collection company by the name of CAINE & WEINER who parked a debt on my credit report. I don't know where this alleged debt came from, I was not given any information regarding this alleged debt, I was not given the opportunity to dispute this alleged debt, and I am aware that this company is not licensed to collect in the state of Tennessee. This company is damaging my reputation and breaching my privacy. The reporting of this account also reflects as incomplete and misleading. There are instances of " ND '' standing for " No Data '' and multiple collection notations shown as " C '' reported repeatedly every month. The FCRA stress the importance of " Fair and Accurate '' credit reporting. I have reason to believe this company is utilizing deceptive and abusive behavior against me. Not only are these violations of the Fair Debt Collection Practices Act but are also violations of the Fair Credit Reporting Act. This debt collection company has no permissible purpose placing anything on my credit reports without following the Debt Collection Rule under the FDCPA first. There was no attempt to communicate from this debt collection company.
Consumer complaint received 2023-07-05
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: HUNTINGTON NATIONAL BANK, THE (IN)

Initially reached out on XX/XX/XXXX to have the PMI removed. 

The mortgage is currently at {$260000.00}. 

The property on XXXX is at {$330000.00}. 

This puts me well above the 20 % requirement. At the time XX/XX/XXXX the property was actually worth more. Additionally homes in the neighborhood have gone XXXX % above XXXXXXXX XXXX top line. 

Reached back out today XX/XX/XXXX and they are restarting the process again.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/2024 Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/2024 and XX/XX/2024. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : I made the payments for XXXX and XX/XX/2024 before the due date, but due to a delay in processing by XXXX, it was recorded as late. I have attached bank statements and payment confirmations that show the payment was made on time. 
Clerical Error : There was a clerical error on XXXX 's part, which they acknowledged, but the correction has not been reflected on my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-11-22
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: EQUIFAX, INC. (AL)

I am a victim of identity theft and I write to dispute certain information in my file resulting fro m the ID Theft. I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized.