davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-12
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: Experian Information Solutions Inc. (NM)

On XX/XX/2018 a negative report was submitted against me by XXXX XXXX XXXX XXXX ( " XXXX '' ) [ XXXX XXXX XXXX XXXX, XXXX, Oklahoma XXXX ]. The report references account no. XXXX and indicates there was a charge-off of {$100.00} on that account. 

I called XXXX and spoke with a nice lady who indicated over the phone that I am not responsible for the account - she could not give me any further details, because she is not allowed to give that information to people who are not on the account. Nevertheless, some how or another, this account has been tied to me and now reflects a negative mark on my credit rating. The nice lady to dispute the negative report with XXXX. 

I could not file a dispute with XXXX So I disputed the negative and erroneous report with Experian. I told Experian about the conversation with XXXX. However, the negative and erroneous report from XXXX is still, nevertheless, on my credit record. Experian acts like it solved the problem, but clearly did not look into the matter or give it a modicum of thought. 

I sent XXXX another message regarding this situation, and got to speak with XXXX in the loan department. XXXX was very nice and explained to me what I had been told earlier, i.e., the account at issue is not my responsibility. XXXX/XXXX [ XXXX, ext. XXXX ] could not explain how the account/charge-off was filed against my credit rating as a bad report. XXXX suggested I dispute it again with Experian. 

So, this morning I filed another dispute with Experian. We'll see what happens, but I'm not going to hold my breath with that outfit. 

What I ask of the CFPB, and hope for, is that the erroneous report filed against my credit rating should be completely removed from my credit background/report as it may be curated by ( 1 ) Experian, ( 2 ) XXXX, and ( 3 ) XXXX. Since XXXX admits the account/charge-off has nothing to do with me, and that I am not responsible for it, there is no reason why the report should have been filed against me in the first place, or why any reference to such a dubious and inaccurate piece of work should remain on file against me. 

I also ask the CFPB to communicate with XXXX   regarding this matter, in as much as XXXX  may be of some help in getting the bogus report removed from my file ; also, perhaps the CFPB can better determine how this bogus report came about in the first place. So far, nobody seems able to explain that one. 

I am really at a loss to understand how something this sloppy and clearly wrong can be so hard to fix. The financial sector doesn't hesitate to wreck your credit if you owe them even a thin dime, but they sure as XXXX can not or will not get it together nearly as quick when it comes to fixing something as clearly libelous and wrong as what they have done to me in this case. 

CFPB, please help.
Consumer complaint received 2024-05-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (NV)

On XXXX we tried to speak with an agent at Mr. Cooper Mortgage Co. about our new mortgage transferred to them and the escrow account. The automated phone service that they have in place will not allow us to speak to a live agent. After trying numerous times ( about XXXX ) of trying different options we were not able to speak to any one. 
There has to be a way to contact this company directly as needed.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Monarch Recovery Holdings, Inc. (MD)

I requested my 1099C form to file for gross income because it has been written off as a charge off and have not received it. Also On my credit report it also reads charge off from mayXX/XX/XXXX - XX/XX/XXXX, repeatedly. They are reaging my account.
Consumer complaint received 2023-04-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BMO Bank, N.A. (CA)

In XX/XX/XXXX my car was repossessed. Bank Of The West stated I was behind 3 months, but that was not the case I agree I was behind but I always make sure it was not 3 months. I got sick with XXXX  and started falling behind on bills but this in particular I new I I could only if you have more than three months so and XXXX are you, XXXX I cant find it. What are the stats on XXXX of XXXX I send two payments of {$560.00} an accident when I noticed that I called the bank because it to my financial situation I couldnt make those two payments so I told them I need one return if that was possible they said yes it was possible they will send me {$560.00} back to my account. Around XXXX, I called again because they never sent me anything to my bank nor did I received a check on the mail they told me the check was mail for me to wait about 2 weeks and call them back if anything was received again. So I waited and at this time I keep making payment and was still behind 2 payments. Around XXXX since XXXX didnt received the check I told them to just apply that money to my balance and they said they would but never did. In XXXX I email the bank and told them again to apply it to current balance but they never did. When the repossessed my car I call the bank immediately to see why they had done that and the guy who answer the phone told me it was a mistake that I was not behind 3 payments that a payment of XXXX was never apply to my loan for me to call another department and he provided me with the number. When I called over-there I explain the guys and he said the bank had the right to repossessed the car after one missing payment I told him that was not in the contract and the said he didnt know what contract I was talking by about for me to wait a few days and then call back. When I call back in about a week they told me in order for Me to get the car back I needed to pay {$3800.00} at front and I could go pick up the car but didnt had the money for that at the moment. About a month later I got a letter stated they had sold the car for {$19000.00} and that there was a balance reminding of $ XXXX since the mount left on the loan was XXXX for me to start making payments on that or they would sent me go collections. I feel the bank didnt respect the contract and I understand I was behind on payments but they should of fixed their system and apply the {$560.00} they had somewhere and I never received. At least I should be charged for the reminder amount since they never took the time to review my account in detail.
Consumer complaint received 2024-05-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NV)

On XX/XX/2024 there were several unauthorized transactions in my cash app account which I immediately reported to them as well as the transactions as fraudulent charges/transactions. But unfortunately cashapp didn't do anything about it they requested a refund for me from the receiver of the transactions which was denied so I disputed the charges with cash app letting them know that my device had been hacked along with my XXXX account, XXXX account, XXXX and my XXXX account. Cash app said that they investigated the issue and no error occured therefore a refund would not be issued.
Consumer complaint received 2024-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: VERITEX HOLDINGS, INC. (TX)

This gentleman name XXXX XXXX XXXX Took the check from me and cashed it for {$300000.00} at veritex bank where he has an account with. I know for sure this gentleman name XXXX XXXX which work at the veritex bank cashed this check for him because XXXX XXXX have approved multiple XXXX XXXX dollar loans for this guy this guy XXXX XXXX XXXXXXXX was involved in a XXXX  XXXX dollar Ponzi  scheme. XXXX his name. They have open XXXX  XXXX  dollar businesses out of nowhere and I know for sure XXXX XXXX has something to do with the Ponzi scheme because he approved all these loans. My complaint today is.XXXX XXXX XXXXXXXX took a check from me and wrote XXXX and cashed it. Veritex bank nor XXXX XXXX did not do any confirmation on this check is it was a good check or not! I have never in my life wrote a ) {$300000.00} check before. The biggest amount I ever wrote was {$15000.00}. When I called to come to complain to Vortexx Bank about the check that was Cash by one of their customer XXXX  XXXX  XXXX. I asked to speak to the fraud manager at Vertex Bank as soon as I told him what check it was and what check that was on whos written out to immediately Verittex Bank notified me that they were very aware of this gentlemans fraud ongoing case about the Ponzi scheme. It happened to be that week that he got busted also so I told her why did she cash the check for without notifying me or confirming the check is clear or good and make it worse. Is that they were aware of his ongoing case why would they cash the check? I asked her give me my money back she said the bank his account is frozen. I said unfreeze and give me my money back, this was back in XX/XX/year>. Ive been calling every single day to get my money back from them. Please investigate this because theres some fraud going with this bank and XXXX XXXX. And XXXX XXXX XXXX. Veritex bank never ever called me back. I called them 100 plus times through the 2 years ever since XX/XX/XXXX. Veritex bank never called XXXX XXXX or myself to see if the {$300000.00} check was valid. This was odd for a bank to cash a {$300000.00} check so fast without clarifying it if it was fraud. Please help me get this money back. My family and I are rock bottom. This is all we had in our bank. Please. Im. On my knees begging you. I have report this to the local XXXX XXXX county police department. Also the fbi. The trading department Why would veritex bank cash a {$300000.00} check when they verified with me that veritex bank was aware of XXXX XXXX XXXXXXXX fraud XXXX  XXXX  dollar case. If you investigate the time line when they cashed this check and when he got busted for the Ponzi scheme. You will bust XXXX XXXX for having a part in the fraud. I know and saw this XXXX XXXX at this buisness name XXXX XXXX in XXXX Texas which XXXX XXXX approved this XXXX XXXX dollar loan. This XXXX XXXX XXXX guy was a nobody. All of a sudden he open multimillion dollar buisness and other business. Buying XXXX. Homes. Please help me. Pls. My number is XXXX
Consumer complaint received 2023-12-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/2023 My TD Bank card was compromised by a third party account. I tried several times to resolve this issue and have been unsuccessful in getting a proper investigation. I desperately need your help {$2600.00} has been charged on my account and the bank continues to charge me interest & charges. PLEASE HELP!!!
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

SYNCBWALGREENS 12/06/2022
REGIONAL ACCEPTANCE 08/24/2022
CONSUMER PORTFOLIO SERVI 08/24/2022
CAPITAL ONE AUTO FINANCE 08/20/2022
TOYOTA SCION OF TAMPA via NCCTOYOTA SCION TAMPA B 03/05/2023
CB INDIGO 02/09/2022
ONEMAIN FINANCIAL 02/05/2022
SYNCBMAZON 12/13/2021
Consumer complaint received 2024-01-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRANSWORLD SYSTEMS INC (TX)

I closed my electric bill in 2020 when I lost my home and is homeless now since 2020. XXXX has put an amount for XXXX on my credit report XXXX years after I have been homeless and still is Homeless. I have a XXXX XXXX and no home to use electricity. XXXX sold my information to Transworld System Inc.
Consumer complaint received 2024-02-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P. (OH)

Lvnv got a acct from XXXX in which I had asked XXXX to validate the acct. I then got a letter from XXXX XXXX that they couldn't find the acct. I disputed it with credit bureaus and it was removed from my reports. Yrs later it came back on my reports and now lvnv has a civil suit against me knowing I'm on social security only income. Never once got any kind of notice from the debt collectors
Consumer complaint received 2023-04-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC (PA)

On XXXX XXXX XXXX XXXX XXXX opened a collection account for my phone bill. However the issue I have now is that they just added the same collection onto my account again on XX/XX/2023. Not only is it the wrong amount this time but are they even allowed to do this again???
Consumer complaint received 2023-08-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: AMERICA FIRST FEDERAL CREDIT UNION (NV)

XX/XX/2019 some one stole my wallet with all my records of identification including my social security card credit cards ID .... Some one has opened a account in my name in charged the amount XXXX in debt... I went to open a account and was told I can't open one due to this action ... At the time of this action I was XXXX
Consumer complaint received 2024-06-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

In XXXX Wells Fargo filed a foreclosure case on my home. Since then I have been fighting and have to hire attorneys to defend me. 
After all these years of fighting they were rewarded a summary judgment, and had a sales date and I have to file XXXX  XXXX to save my home and have enough time to look into it. I did a title search and found out that Wells Fargo Did Not have my mortgage. 
All it shows fraudulent assignment that was done in XXXX with no legal description of my home on the assignment ( XXXX  XXXX ). 
And it is impassible because my mortgage was with XXXX XXXX  from XXXX XXXX and was confirmed by XXXX and they were not in a relationship with Wells Fargo . I contacted Wells Fargo the executive office and the legal department. 
After 7-8 months of extensive search they came to conclusion that l Do Not Have a Loan and they are not foreclosing on my property. I have a letter from Wells Fargo stating that and I notified XXXX XXXX and the Judges legal assistance, l put it in public records and asked the judge to dismiss the case with prejudice because the loan does not exist and attorney XXXX XXXX filed this fraudulent Foreclosure case theyre committing fraud on the court and on me and causing me physical harm and financial hardship.
Consumer complaint received 2024-06-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (PA)

I HAVE BEEN GOING BACK AND FORTH WITH THIS COMPANY AS THEY HAVE USED MY SSN CARD WITHOUT ME RECEIVING ANY BENEFIT ONCE AGAIN. I KNOW WHAT THESE CORPORATIONS DO WITH CONSUMER CREDIT APPLICATIONS IF THEY ARE DENIED OR APPROVED IT MAKES NO DIFFERENCE THE CORPORATION MAKES MONEY WHILE THE CONSUMER SUFFERS.I HAVE APPLIED TO THIS COMPANYS PRODUCTS IN GOOD FAITH WITH GOOD INTENTIONS, AND AGAIN DOES ANYWHERE IN THE CFR, UCC, STATE THAT CONSUMERS MAY RECEIVE GOODS BASED A CREDIT SCORE. MY SIGNATURE IS THE CREDIT THIS WILL BE MY FINAL ATTEMPT BEFORE I TAKE THIS ISSUE TO FEDERAL CLAIMS. AS I HAVE SENT MULTIPLE LETTERS TO THIS COMPANY AND NO RESPONSE
Consumer complaint received 2018-12-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I sent all three credit bureaus a certified letter disputing this hard inquiry from XXXX XXXX. On XX/XX/18 this hit my credit reports and I immediately contacted the bureaus but its been over 90 days and I haven't heard anything about the investigation that I requested which is a violation of the FCRA, which States that the bureaus have to report accurate information and respond to the consumer in a timely manner. This inquiry has cause me great hardship, stress and Has caused my credit score to decrease drastically!! I've been denied credit and loans due to this inquiry.
Consumer complaint received 2023-12-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (VA)

I closed my Apple card two months ago. A return was made on to my card for {$150.00}. They have not returned it. I can not talk to anyone. I've been left on hold and transferred over and over again. I have no email to contact Apple at Goldman Sachs. All options for complaints are for banks and conglomerates. The hold times and transfers are used as a shield against returning client money.
Consumer complaint received 2023-07-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Diaz & Associates, Inc. (TX)

Diaz & Associates, I don't have dates. Keeps checking my credit report on XXXX. Several calls this year, threatened to have authorities serve me with legal documents. Various calls from different states, always leaving messages to call back with ID number. I don't owe anything. 

Diaz & Associates , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IA)

Experian credit reports include debt collection that does not belong to me. And refuse to remove unwarranted collections from my name. In my " credit overview '' it breaks the score into 5 aspects. Payment history 35 %, amount of debt 30 %, amount of new credit 10 %, length of credit history 15 %, credit mix My report says all 5 aspects are either good or fair. And the fact that the ALGORITHM used to determine this " score '' is not CONSUMER ENTITLED INFORMATION to review for imparities IS UNFAIR TO CONSUMERS.
Consumer complaint received 2023-02-16
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: Experian Information Solutions Inc. (FL)

I sent a letter on XX/XX/XXXX, to remove : XXXXXXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX These addresses are Unkown to Ive already included this in my previous Complaint & I am including it again.
Consumer complaint received 2023-08-01
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$13000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I opened a savings account at the Bank of America at XXXX XXXX XXXX XXXX, XXXX, CA XXXX with the Banking Representative XXXX XXXX in late XXXX. 

Thereafter, I opened up Trust Accounts with POD 's for my children at the Bank of America XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 

On XX/XX/XXXX my savings account had {$94000.00} in it. Shortly after all my money was gone. When I inquired about the whereabouts of my money in person, the banking reps told me to speak with the Bank Manager. The Bank Manager advise me to call the XXXX number. They gave me the run around. 

I paid {$400.00} to order bank records. They sent me the wrong bank records. 

I contacted FDIC they advise me to contact The Office of Comptroller of the Currency and the Consumer Financial Protection Bureau regarding my missing XXXX.
Consumer complaint received 2023-10-11
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: EQUIFAX, INC. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (CO)

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 0 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