davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (FL)

I had a transaction of {$2000.00} removed from my account. I never authorized this transaction and Ive called Wells Fargo & told them this multiple times and they have yet to resolve my issue. 

According to XXXX policy as well as Regulation E for a transaction to be determined as fraudulent, it must be : An unauthorized transfer for example, if someone steals your phone and accesses your XXXX account. 

Ive already stated that the transaction was not made by me and Wells Fargo has still not issued me a credit. I received that money through my University in the form of a refund check as a means to cover other school or financial expenses. I have spoken with Wells Fargo multiple times and they keep saying it was an authorized transaction which it was not. Clearly if it was I wouldnt be calling them so much asking about my money. This process has been ridiculous and unfair and Id like a credit issued to my account.
Consumer complaint received 2023-09-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: State Home Mortgage (GA)

We have had a mortgage with State Home Mortgage for 5 years. We have never missed a single payment during that time. We are now trying to sell our property and buy a new home. In order to process our new mortgage, we need the most recent statement from the mortgage we hold with State Home Mortgage. I attempted to download a statement from the user portal, but that option is not available. I have called State Home Mortgage several times, and each time I sat on hold for over 30 minutes before being routed to a voicemail. I left a voicemail each time requesting a callback. I also emailed every email address available for State Home Mortgage, including : XXXX XXXX XXXX XXXX I have not received an email back from any of these communication attempts.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-04-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Glass Mountain Capital, LLC (GA)

On XX/XX/2023 I reached out to glass mountain capital to settle a collection. I then ask for verification of this account and the company could not provided me with proof of this account being mine. Also the address is not up to date and I never agreed to anything with this company. They have me owing XXXX I would like this account removed from my credit profile from all three Bureaus.
Consumer complaint received 2022-08-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

I was scammed by an Fraudulent investing company called- XXXX XXXX  Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by so-called XXXX XXXX  ( the Company ). The total amount of XXXX USD was transferred from my wallet utilizing Cashapp 's services.

They lured me in with the story that they could help me earn money, that i wouldn't have to wokr so hard and have more time with my children.. They sold me an Idea that i unfortunately fell for.

XXXX  blame Cashapp because they knew i was sending money to a scammer and did not do ther due diligence and protect me as their client.
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. (IL)

I have been monitoring and fixing my credit for the last 3 years. When I noticed a debt that came up in my credit report that I absolutely do not owe. I started disputing it with XXXX and Equifax. After a couple time disputing it with XXXX they removed the debt as they recognized it went against the FCRA. I have now disputed it with Equifax over 5 times. And have requested proof of the debt. I have not received that proof and I don't believe they are truly investigating or they would see I don't owe this debt.
Consumer complaint received 2023-09-01
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. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-09-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. ()

My block was unlocked owing to l suffer a fraud the bank is not helping me l got it as a XXXXXXXX XXXXXXXX  and as l am not in US they dont give me real assistance or support at least that l go directly to the bank but l cant, l have call to all the numbers that they gave me and wait but they havent help me
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I, XXXX XXXX XXXX XXXX, was impacted " by the Louisiana DMV Data Breach '' that made World News, impacting all Louisiana residents such as myself. The account and inquiries I have listed are attached with my FTC Report result from Identity Theft, which I'm a victim of. I have no accounts with the companies listed and would like them removed from reflecting on my current credit report. These are inaccuracies resulting from identity theft I have no knowledge of. 

Accounts and inquiries that are not mine are listed below, XXXX XXXX/ XXXX XXXX/ XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MD)

I requested a refund for all payments I made during COVID forbearance on XX/XX/. My loan servicer ( MOHELA ) returned parts of the payment and my loan balance was restored to the amount owed pre-covid within a few weeks, but there are still {$800.00} of refund missing. The {$800.00} consisted of payments made towards XXXX ( the servicer I had before the loans were transferred ). Despite telling me that refunds will be issued within 60-90 business days, I still haven't received the fund.
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. (CT)

I recently reviewed again my XXXX, XXXX and TransUnion credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2022-08-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (AL)

I had XXXX charges made that I I did not approve was not notified about debited from my account. The amounts were XXXX on XX/XX/XXXX at XXXX pm and one for XXXX on XX/XX/XXXX at XXXX. Both were from XXXX.Not only did I not approve these charges but cash app denied my dispute and the only reason they offered me was a email wich just showed the time and date of the transaction
Consumer complaint received 2023-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Block, Inc. (MD)

I had the correct amount on my card. I made a purchase and it was pending due to the merchant. Somehow, they placed a negative balance of {$21.00} on my account. They claim it was due to the other company. I do not agree with why my account is in the negative.
Consumer complaint received 2023-11-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: LoanCare, LLC (NJ)

Since last Friday XX/XX/23 I have been trying to access the MyLoanCare website to request a payoff statement for my mortgage. I sold my property and will be closing soon. I was unable to access the website all weekend. Yesterday ( XX/XX/23 ) I tried call Loan Care as well as XXXX XXXX XXXX ( my mortgage company XXXX Loan Care has a message on their phone that says their operations are down and no one can access their accounts. I was unable to reach anyone at XXXX XXXX XXXX. From what I read online XXXX XXXX XXXX who owns Loan Care was a victim of a cyber attack over a week ago. No mortgage holder can pay their monthly mortgage payment, pay their insurance, taxes etc. Who will be responsible if I can not close on my property sale because I don't have a payoff statement?
Consumer complaint received 2023-10-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC (IL)

Wakefield Collection # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX call numbers XXXX and XXXX. Per the provider, dates of service XX/XX/XXXX and XX/XX/XXXX. My dad died XX/XX/XXXX. I'm the executor. I received a collection notice from Wakefield Collection Company on XX/XX/XXXX. I called them on XX/XX/XXXX to get information on the medical provider with date of service, detail on charges and proof of insurance billed and paid as I needed this to pay the amounts as executor. They said I had to file a dispute with them to get the information. I did the same day and I proceeded to send XXXX emails, multiple disputes and phone calls. I received bill copies from them on XX/XX/XXXX ( with a letter from them dated XX/XX/XXXX ) and the amounts and insurance didn't make sense. I now had the medical provider information so I called them. Wakefield had the wrong date of service on their bill, they showed XX/XX/XXXX, and wrong dollar amounts. Provider is going to send me correct bills so I can review and pay, they said it will take 7 days from today XX/XX/XXXX. I notified Wakefield but I'm filing this complaint against them for harassment and improper billing.
Consumer complaint received 2023-08-11
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. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-28
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: OneMain Finance Corporation (TX)

This company has engaged in abusive, deceptive, and unfair practices that are prohibited by the FDCPA. They've reported accounts without my agreement or signing of any related agreement. A legal contract necessitates the consent of both parties, which I did not provide. Additionally, they did not follow the proper five-step validation procedure, constituting unfair practices. According to the FDCPA, I am entitled to {$1000.00} per violation, and their actions clearly infringed upon my rights!
Consumer complaint received 2023-12-07
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (CA)

I XXXX, XXXX XXXX a natural person and consumer, recently applied for money, goods or services primarily for personal use on credit with Marcus : by Goldman Sachs . I then received a letter informing me that their organization was unable to approve my application. As a result, they have failed or refused to issue me an account as a creditworthy consumer. As you know or should know, it is prohibited to take adverse action against a consumer pursuant to Equal Credit Opportunity Act codified at 15 USC 1691c for which they may be held criminally and civilly liable for your violations of 15 USC 1642, 1681m and 12 CFR 1002. Pursuant to 12 CFR 1002.7 A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of XXXX, marital status, or any other prohibited basis. Please referenced the attached evidence as proof of my application for credit and your refusal to extend credit. Pursuant to 12 USC 1602 ( p ) Marcus : by Goldman Sacks have made unauthorized use of a credit card by utilizing my social security credit card in which I received no benefit. Pursuant to 15 USC 1602 ( L ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Thus Marcus : by Goldman Sachs fraudulently used my credit device to obtain money and provided me no benefit from such use.
Consumer complaint received 2023-12-21
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. (NY)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureau to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2024-04-23
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. (GA)

According to 15 US Code 1681b Permissible purpose of consumer credit reports ( a ) In general # Permission in writing : Subject to subsection, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of the court having jurisdiction yo the issuesuch a order, a subpoena issued in connection with proceedings before a federal grand jury or a subpoena issued in accordance with section 5318 of title 31or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2023-12-06
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. (WA)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Consumer complaint received 2023-12-06
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: Experian Information Solutions Inc. (LA)

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. 

XXXX  Account # XXXX ; has violated my rights. 
Account # XXXX Account # XXXX Account # XXXX 15 U.S.C. 1681 602 A. states I have the right to privacy.

15 U.S.C. 1681 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 accurate.
Consumer complaint received 2023-12-06
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX