davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-05
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

on the XX/XX/21 I fill and sent a person check # XXXX from chase with the total amount of {$2600.00} which is my rent money directed to the company that rents me my apartment. 

as soon I received my next monthly rent bill, I find out that they never received the check, I call to the bank and they opened an investigation about it.the che was cashed out for someone else and another bank account. 

they closed the case XXXX years ago, for lack of information that's what they said. 

I been calling them since the fraud and they having done nothing to get this issue done.
Consumer complaint received 2024-05-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (NJ)

On Thursday of the XX/XX/XXXX I reached out after noticing my ally bank app on my phone was not working normally I was informed originally over the phone it was their systems having issues afterwards the representative requested one time pass code to which I never received, Asked instead for public records questionnaires to which only 2 applied to me. 

After this I got response claiming I could not be verified. the next day Friday XXXX of XX/XX/XXXX Ive gotten a email from Ally bank stating my account is locked. 
I reached out and it was the same process Public records do not match me except for 2 and my phone not getting any codes was told to email Drivers license SS card which i have did but have not heard back. 
I have been a client with Ally bank since XXXX no personal changes have been made. I use the same number, live at the same address. 
Afterwards I have contacted my carrier at XXXX a level 2 tech went through diagnostics and claimed the number ALLY BANK uses XXXX and XXXX for sms are all working receiving from my cellular device I have reached out to my other financial institutions XXXX, XXXX XXXX XXXX to which they have sent XXXX time XXXX codes confirming all working as it should. 

Ally bank is withholding my savings account, invest account I can not even see my balances, statements, forms. to which I hold active shares of XXXX tickers XXXX XXXX XXXX in the event of any market downturn I can not sell these shares I can virtually lose the value of my investments who will be liable in this event. 
I believe that I am being treated unfairly, discriminated against due to my name ethnicity, and lied to with deceptive practices by this institution, considering my carrier XXXX confirms my device is working correctly, considering my other banks agree I am able to receive codes.
Consumer complaint received 2024-05-05
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Deinde Online Services, LLC (TX)

Sunday, XX/XX/year>. Requesting {$2000.00}. This COMPANY did not give me a reason of why I can not get a {$2000.00} dollar loan. I make enough money to make the monthly payments in order to repay the loan back, so there should be no excuse as to why I should not be able to get a loan.
Consumer complaint received 2021-02-15
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. (TX)

I got a wrong debt collection in my Experian credit report, and Experian declined to fix this mistake. Can CFPB help to solve this issue? Below are the time line. 

1.Experion credit report wrongly showed 1 collection as below. However, I never had any interaction with the collection agency. This is a huge mistake somewhere. I checked 2 other credit bureaus, and they did not have this collection. 

2. I called the collection agency phone number twice. The collection agency tried to search my account in various ways ( including my social ), and can not locate any account information or collection about me. However this agency is not willing to render any written form of evidence. They just asked me to ask Experian to verify it.

3. I opened an online dispute over Experion.com. Experian has the wrong data, and Experian declined to fix this mistake and kept it's mistake.
Consumer complaint received 2024-05-05
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: FIFTH THIRD FINANCIAL CORPORATION (OH)

I have been trying to work with Fifth Third Bank to try to resolve an issue regarding a mortgage agreement that was initially entered into with a co-borrower. The co-borrower has filed a XXXX XXXX Bankruptcy and was XXXX iXXXX XXXX and the bank is still informing me that the borrower is financially responsible for a loan that the borrower did not reaffirm within the XXXX XXXX  Bankruptcy. The co-borrower also Quit Claim his interest to the property and no longer is listed as an owner to the home that has the mortgage.
Consumer complaint received 2024-05-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

On the evening of XX/XX/XXXX I was contacted by an unidentified person posing as an employee from the Wells Fargo fraud department. I was told that there were fraudulent transactions on my account and that I needed to move money from my account to a safe location while these issues were resolved. Within seconds, {$10000.00} was stolen from my account and used to make purchases at an XXXX XXXX in XXXX XXXX. A XXXX XXXX detective is working with the XXXX XXXX Police Department. 
Wells Fargo is one of several large US banks facing lawsuits from customers where the financial giants have lax security measures, dont properly verify large transactions and shrug their shoulders as fraudulent transactions are reported in real time. This was all reported to Wells Fargo almost immediately. They still refuse to accept any responsibility at all, putting the entire blame on me.
Consumer complaint received 2024-05-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (TX)

I am writing to request verification of a medical debt that has been reported to credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of this debt. 

Details on the debt are as follows : Creditor Name : XXXX XXXX Amount of Debt : {$3100.00} Date of Last Activity : Unknown I am requesting verification of this debt, including but not limited to : 1. Documentation establishing the validity of the debt.

2. Verification that the debt collector has the legal right to collect the debt. 
XXXX. A copy of the original debt purchase agreement between the original creditor and the debt collector, including all the terms and conditions of the original debt purchase agreement.

Please provide the requested verification within the timeframe prescribed by law. I understand that failure to provide verification may result in the removal of this debt from my credit report. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-05-04
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

In XX/XX/XXXX, I found my XXXXredit score dropped a lot, showing I have a collection account. The orginal creditor is an apartment complex that I never applied for in the past. On my XXXX credit report, it shows this account was open in XX/XX/XXXX. That was a moment that I move from one apartment ( under XXXX XXXX ) to another apartment ( under XXXX XXXX ). The creditor is the apartment under XXXX. The fact is I never lived in any apartment with XXXX company. 

I never received any debt information from the creditor or even the collection debt company. I contacted the collection company, they rejected to provide more information about this collection, they were just rudely pushing you to make the payment. Until now, the creditor still doesn't call back to me after I reached out to them. The company never reached out to me.
Consumer complaint received 2024-05-09
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (TX)

Sams Club/Synchrony Bank Apparently these companies are changing the " rules '' daily. I have noticed that the wording on the statement states Mail in payments ( which i never have used in the whole duration of this credit card history ) states cut off time for making payments is XXXX XXXX and all other payments at XXXXXXXX XXXX. 

XXXX ) Why are the " rules '' changing I did not agree to them when I agreed to your " terms ''. 
XXXX ) why am I provided eastern time zones when I live in a XXXX XXXX XXXX? 
XXXX ) One would think its unethical and not a proper business relationship to change terms in the middle of a contract that by design sets you up for failure to create additional revenue for them? i am not in agreeance but have no choice but accept their unethical terms or I can just simply pay the balance off? 

Review : Synchrony Bank has jumped on board with the other unethical companies to change the wording on your statement this is designed to mislead their customers so they gain additional revenue. This is unethical immoral and should be addressed. They should not be allowed to do business in this manner. I want all my late fees and bad credit markings removed and i want them fine and penalized.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX. 
XXXX, NJ XXXX I just recently looked at my credit report XX/XX/XXXX, XXXX saw some hard inquiries that did not have permissible purpose. I list the accounts below. 

. This inquiries has no permissible purpose to be on my credit report. Delete this inquiry, due to violation of 15 USC 168 1b 1. XXXXXXXX XXXX & XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX & XX/XX/XXXX. 
XXXX XXXX & XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX & XX/XX/XXXX XXXX. XXXX XXXX & XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2023
Consumer complaint received 2023-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc. (MI)

Comenity Capital Bank did not provide me with adequate privacy disclosures required by law. Therefore, I rescind my consent that I knowingly or unknowingly provided to your company, its employees, affiliates, non-affiliates, assignees and any other entity, to share my nonpublic personal information. The term nonpublic personal information means personally identifiable financial information provided by a consumer to a financial institution resulting from any transaction with the consumer or any service performed for the consumer ; or otherwise obtained by the financial institution. I have a right to opt out of my information being shared and hereby do so. The Gramm-Leach-Bliley Act limits your ability to share my personal financial information with certain non-affiliates. I HAVE A RIGHT TO PRIVACY. There is no law that gives you the authority to share my nonpublic personal information with any consumer reporting agency. I demand that you delete your account from any consumer reporting agency that you have furnished with my information in regards to any extension of credit, contractual, and or transactional relationship that I XXXXay have had with your company. You have failed to clearly and conspicuously disclose to me that my financial information may be disclosed to a third party. I was not given the opportunity, before the time that my information was initially disclosed, to direct that such information not be disclosed to the consumer reporting agencies. Lastly, I was not given an explanation of how I could exercise the nondisclosure option. DELETE the tradeline that you are currently reporting to any consumer reporting agency. Failure to do so, once this notice is received, will be an infringement upon my right to privacy. It would be in the interest of both parties to resolve this matter so that legal action will not be necessary.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LAKEVIEW LOAN SERVICING, LLC (ID)

I sent an opt out letter to XXXX XXXX, Lakeview Loan Servicing , LLC and XXXX on XX/XX/2023 according to 16 cfr 313.7, 15 usc 6802 and 12 cfr 1016.7 and received zero response. I would like these removed from my credit profile permanently. Also a violation of the Privacy Act of 1974.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to file a complaint against Transunion regarding their failure to respond to my dispute letter and investigate inaccurate items on my credit report and incorrect personal information. 

On XX/XX/2023, and XX/XX/2023, I mailed a dispute letter to TransUnion, requesting an investigation into several inaccuracies on my credit report. Additionally, I disputed incorrect personal information listed on my credit report, such as Despite sending the dispute letter via mail and providing all necessary information, I am still waiting to receive a response from Transunion regarding the results of the investigation and I am still waiting to receive acknowledgment or resolution from Transunion. 

This lack of response and failure to investigate the inaccuracies on my credit report is highly concerning and has caused me significant inconvenience and distress. As a consumer, I rely on accurate credit reporting to maintain my financial well-being, and Transunions negligence in addressing my concerns is unacceptable. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against TransUnion for their failure to respond to my dispute letter and address the inaccuracies on my credit report. I also request that TransUnion be required to provide a prompt and satisfactory resolution to my dispute, including correcting any inaccuracies on my credit report and permanent removal of the disputed negative items on my credit report. 

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act.
Consumer complaint received 2021-03-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Profit Recovery, Inc., Marlborough, MA Branch (KY)

I have been a victim of identity theft since 2015. I have sent in multiple police reports. I have sent in my FTC paperwork. I have sent in legal documents and American profit Recovery is still trying to collect a debt that is a case of identity theft
Consumer complaint received 2024-04-16
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)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-03-25
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. (CA)

XXXX credit, You become my only headache. How many times I can request for deleteion, are you guys XXXX crazy??? you reporting wrong, unauthorized, fraudulent charges and account under my name, delete this account asap. 

Report XXXX : XXXX
Consumer complaint received 2024-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

I tried to close my escrow account on my mortgage. Citizens approved.But they told me to pay cancelation fee for XXXX dollars. They said when they opened this escrow account for me, I signed a contract with them, and I agreed that One day I want to cancel this escrow account, I should pay cancelation fee. 

Actually I never signed those things with them. because I originally applied this loan from XXXX. XXXX wanted to make sure I have enough money to pay future taxes and insurance, they required me to leave XXXX dollars in my save account in XXXX for 3 years. And I did. SO I fulfilled my duty or obligation. I never agreed to loaner that I would pay cancelation fee. 

I called citizens. They worked on it for more than 3 months. They kept charging employee to work on it. at first, XXXX, then XXXX, then XXXX. A lot of supervisors tried to wok on it. Actually most of time they just answered my phone call, then in future, all of them were hiding, and never pick up my phone, never reply email. they just told me wait ... and wait...
Consumer complaint received 2024-04-16
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. (GA)

I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.
Consumer complaint received 2024-04-16
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 address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2024-09-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NC)

I discovered on XX/XX/XXXX that my XXXX credit score had dropped by XXXX points. After looking at the report I discovered that XXXX XXXX XXXX XXXX had sent a bill to a debt collection agency ( I C Systems Collections ) for collection against me for {$1000.00} for a delinquent account that had been opened using my SS # on XX/XX/XXXX with a bogus name and an address unknown to me.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted XXXX, and I urge you to rectify the situation promptly by updating my records accordingly.
Consumer complaint received 2023-06-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

I just received my credit report and found this company purchase this debt from my lender which this belong to that company not me. The purchase agreement if any is between the collection company and XXXX XXXX. It clearly States debt buyer on my report. This not my account once they sold it to the collection company. This collection also not registered with XXXX XXXX XXXX XXXX  so that mean I owns nothing to this collection company also the collection company don't have a sign agreement with myself. Now that XXXXXXXX XXXX  sold the debt can we have report XXXX balance.
Consumer complaint received 2023-10-11
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that these inquiries were unauthorized. The 3 credit bureaus must delete these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unauthorized information without providing any proof within the period allowed by law. The following inquiries need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX