davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS (FL)

My identity was stole. The person opened up several bank accounts in my name and also used my main bank account ( XXXX XXXX ) for fraud. I recently realized that in XXXX  and placed a credit lock through XXXX. I know consequences still have to be made but I would like to clear my name so that I could be able to open up a personal bank account. I am aware that I am now in the XXXX XXXX, I would like to be removed. I am willing to do what it takes to move forward with this process. I am a XXXX XXXX  and I need a bank account. Thank you.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

This account was never given my permissible purpose to furnish this account. Further more they infringed upon my rights to privacy in pursuit to 15 USC 1681 ( 4 ) these corporations have caused damage to me mentally and financially in pursuit to 15 USC 1681 a ( 2 ) ( 1 ) any transaction or experience should be excluded from my consumer report.
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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. 

Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, has violated my rights.

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 2024-05-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC (NY)

In XXXX, I submitted a query to the loan processing company inquiring why there was an additional {$13.00} " late fee '' on my mortgage statement. After considerable time passed, they explained it was for an appraisal fee on the house I purchased in XX/XX/23, and the loan was being transferred to their organization. They included a copy of the appraisal inspection report, which was rife with untruths, and which ignored the fact that I had already paid a considerable fee at closing for a thorough appraisal. I find it impossible to speak to anyone at the " NewRez - Shellpoint '' company. Their websites make it very difficult to get contact information that actually leads to human interaction and does not include an email link for concerns/complaints. I made it clear to them in today 's letter that the sum of {$13.00} is not devastating to me, but am appalled that they, XXXX. had an appraisal without my knowledge ; 2. added {$13.00} to my statement with no explanation, 3. Apparently ignored a very detailed appraisal that had been done prior to closing, and, 4. Unquestionably accepted an appraisal that had untruths in it, including a statement that the appraiser was not allowed in by a " relative '' ( I was not in the State at the time, and there was no one at the house ), XXXX Appraised the house inaccurately, as per the original XXXX XXXX, XXXX XXXX, and original Appraisal Report. I find this kind of corporate deception unacceptable and hope that you'll agree.
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

XXXX and experian credit bureau is reporting these bankruptcy on there own account, XXXX is reporting the correct information, i'm attaching XXXX information to this report, i hope that CFPD step in and do something about this.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (FL)

I have my mortgage and a credit card with Wells Fargo and I have not been able to access my online account with them for two years. According to Wells Fargo, another company has used my social security number to open an account. This has been ongoing for TWO YEARS and every time I call Wells Fargo, they tell me they are working on it and I never hear back from them. This has be escalated and again NOTHING... TWO YEARS and nothing! I went to one of the branches for help and they ran into the same issue as I do over the phone were I get bounced back and forth and get no answers. They don't follow up with me and its up to me to follow up and that takes over 45 minutes ... they have a LONG documented record of my calls and complaints and again ... I HAVE GOTTEN NO RESOLUTION. 

Please help. 

XXXX XXXX
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Entrata Inc. (KY)

They told me i was going to get a soft inquiry, but ended doing a hard inquiry. They now say there is nothing they can do about it. 
I didnt agree or signed any authorization for this credit inquiry.
Consumer complaint received 2023-04-12
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. (SC)

I WAS A VICTIM OF IDENTITY THEFT. I SENT THE PROPER REPORT AND INFORMATION TO XXXX, XXXX AND EQUIFAX. THEY FAILED TO REMOVE ALL OF THE FRAUDULENT INFORMATION THAT WAS ON MY REPORT.
Consumer complaint received 2024-05-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (CO)

My payment of XX/XX/year> of {$1300.00} was never posted to my account. I was forced to make an additional payment of {$1300.00} on XX/XX/year> which was posted to my account. They changed my account number on XXXX XXXX, 2023 without my knowlege so XX/XX/XXXX payment went to my old account number. They said the error would be corrected within 60 days. It has not been fixed. I have made numerous phone calls, so has my bank and bill payiny service to prove they have money. I have also faxed and mailed all the documentation to prove they have the funds twice but they still have not corrected the account.All I get back are the same form letter saying they are working on it. When I call I get a different story each time that they never got the money. 
The loan company sold my loan to one of their sister companies and the money went to the correct bank account but with the old loan number. All they have to do it post the funds to the new loan number but they wont do it.
Consumer complaint received 2023-12-15
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. (OH)

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

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 : States a consumer reporting agency can not furnish an account without my written instructions.

I have written to Transunion multiple times INSTRUCTING them to honor my right to privacy by removing this account. Each time, they have IGNORED the codes I presented and proceeded to tell me that the account is mine and that the account is accurate and also that the account " meets FCRA requirements '' ...

BUT, this CREDIT ACCEPTANCE account is indeed NOT in compliance with FCRA requirements because again, my writtent instructions was/are for Transunion to remove/delete this account immediately from my credit report.

Also, how am I to know that this account is mine if they are not showing the full account number??... As you can see, they are reporting the account with asterisks! ( XXXX ) Therefore, this account is NOT mine and I do not approve of an UNKNOWN account reporting on my credit report. 

I would like to conclude with the fact that during their " investigations '' on this matter, at no time did they provide me with the details of any investigations... I have the right to know who ALL exactly did they talk to and their contact information so that I can verify what parts of my information was shared and exactlty how they came to their conclusions for my complaint.
Consumer complaint received 2024-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (TX)

My name is XXXX XXXX, and I am the account holder of XXXX XXXX XXXX at Truist Bank. Unfortunately, my account has been frozen without any prior communication or explanation, and despite numerous attempts to resolve the matter directly with the bank, I have not received a satisfactory resolution. 

I have made over XXXX calls to Truist Bank 's customer service department, but each time, I am met with a lack of updates or information regarding the status of my account. This situation has persisted for more than XXXX days, during which I have been unable to access my funds. The financial burden imposed on my business due to this account freeze is becoming increasingly challenging to manage. 

Despite assurances from the bank that the issue would be resolved within XXXX hours, there has been no improvement in my account 's status. In light of this, I find it imperative to seek your intervention in facilitating the immediate closure of my account and the release of my funds. 

I have attached relevant documentation, including records of my communication with the bank, to provide a comprehensive overview of the situation. I kindly request that you investigate this matter and take the necessary actions to ensure a prompt resolution. 

I understand that your bureau plays a crucial role in safeguarding consumer interests, and I trust that you will treat this matter with the urgency and attention it requires. If there is any additional information needed from my end, please feel free to contact me at XXXX XXXX XXXX or via email at XXXX I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-08-28
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC. (AZ)

Firstly, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 
. 

I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ). 

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
Consumer complaint received 2024-01-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

REOPEN THE ACCOUNT ENDING IN XXXX. XXXX XXXX form dated XX/XX/23 which is located in their SEC filing states XXXX Card Services business may securitize originated credit card loans, primarily through the XXXX XXXX XXXX ( the Trust ). The Firms continuing involvement in credit card securitizations includes servicing the receivables, retaining an undivided sellers interest in the receivables, retaining certain senior and subordinated securities and maintaining escrow accounts. Chase Bank has securitized my originated credit card loan and refuses to reopen the account that is current and still being monetized by securitizing the asset back security/receivable. I rescind/revoke any security interest Chase Bank has in the account and XXXX, XXXX assumes all titles, rights, and interest in the account for XXXX XXXX. If the account is not reopened within XXXX business days I will perform an audit on the account to locate the XXXX number to confirm the securitization trail of the account. I will also escalate this matter to the SEC for securities fraud since I provided a security to Chase Bank that is still being traded on the secondary market and I the consumer have not received equal consideration or value for providing the security. I AM AN INVESTOR since I provided Chase with a RECEIVALBE/SECUIRTY. In the card-member agreement I was never informed my credit card loan would be receivable/security for XXXX and be securitized and sold on the secondary market. The omission of this information is blatant contract and securities fraud. Once again, I will be forced to submit a complaint to the SEC FOR SECURITIES FRAUD if the account is not REOPENED WITHIN XXXX BUSINESS DAYS. Thank you for all your help to resolve this matter. If there any questions, please do not hesitate to contact me at XXXX or XXXX.
Consumer complaint received 2024-04-17
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. (NV)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair or remove these inaccurate items in my 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
Consumer complaint received 2024-01-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (PA)

I am writing to file a formal complaint against Robinhood, a financial institution regulated by yourauthority, due to their gross negligence and failure to address a fraudulent activity that has resulted insignificant financial loss on my part. Despite providing ample evidence and following the necessaryprotocols, Robinhood has not taken appropriate action to rectify the situation, and I believe theirresponse is in violation of the regulations set forth by the Consumer Financial Protection Bureau ( CFPB ) .I have attached the correspondence with Robinhood XXXX detailing the circumstances of the fraudulenttransaction that occurred between XX/XX/XXXX and XX/XX/2023, involving the company XXXXDespite my numerous attempts to resolve the matter with Robinhood XXXX their response has been bothunsatisfactory and dismissive of their responsibility to safeguard their customers
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc. (TX)

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023 Consumer Financial Protection Bureau Subject : Dispute of Credit Reporting Agency Dear Sir/Madam , I am writing to file a formal dispute regarding the information listed on my credit report. I have made previous attempts to resolve the matter directly with XXXX, but have been unsuccessful in reaching a satisfactory resolution. 

I want to bring to your attention the following details regarding the dispute : Account Information : Name on Account : XXXX XXXX Account Number : XXXX XXXX Date of Incident : XX/XX/2023 After reviewing my credit profile on XX/XX/2023, I identified a discrepancy with account listed under National Credit Systems and validation was requested as this was and account that I did not recognize. I reviewed my credit report again on XX/XX/2023 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect hat the account is disputed and therefore a second validation letter was sent out on this day. After reviewing credit report again on XX/XX/2023 there have been no update and account is still reflecting on credit report. I do not believe the account belongs to me nor do I believe the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving this account belongs to me and all information is correct.

Enclosed with this letter are copies of relevant documents that support my claim.

I kindly request that the CFPB investigate this matter and take appropriate action to help resolve this dispute. Please keep me informed of any progress or communication with the financial institution regarding my complaint.

Thank you for your attention to this matter. I appreciate your assistance in helping to resolve this dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-17
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 strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2023-04-12
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. (IL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (TX)

Wise stated they were changing my account details and that my old details would be valid until XX/XX/2023 on XX/XX/2023. 

On XX/XX/2023, I had 3 debits initiated with the and my rent payment was cancelled without cause or warning. 

On XX/XX/2023, I reached out to Wise for clarity and compensation for the fees accrued by this lack of follow through. 

On XX/XX/2023, I received a message from a complaints officer stating that they have acknowledged my complaint and that a final response will arrive by XX/XX/2023. 

I have reached out on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for information to no reply. 

I was charged XXXX USD for this mistake/error by the company.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have previously disputed this item with you and in response you verified the item as accurate stating you verified with the court, I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureaus for that matter therefore your original response verifying was either in error or a LIE either way the reporting requirements do not comply with the FCRA section 611 15 USC section 1681 and the information must be deleted immediately.