davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-19
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. (LA)

I am submitting this CFPB Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts and information that I did not open and have no knowledge of. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID THEFT REPORT. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-02-06
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CO)

I purchased a gift card months ago ( XXXX, XXXX I believe ) from XXXX XXXX grocery store. This is a prepaid XXXXXXXX XXXX XXXX  ) for {$100.00}. I tried to use the card in the store immediately after the transaction, but it was denied. I've never had a problem doing this in the past but I was told by the store clerk that everything looked good and that I would just have to wait XXXX minutes for activation. I then registered the card online as instructed, before placing an order on XXXX. The transaction was declined as well. So I called the number on the back of the card and they told me that the card was cancelled citing fraud! After verifying my receipt & that my purchase was valid, The customer service rep pointed me to a website and told me I needed to upload my driver 's license to prove I was a real person, and so I did. 

Several weeks go by and there is no contact, so I call them back for a status update. They then tell me that I need to upload a copy of the giftcard alongside the copy of my driver 's license, front and back for both. I attempted to do this on the site again as instructed but because I had already submitted documentation for the card/dispute in question, I was unable to add additional documentation to the ticket. The customer service rep was unable to assist me any further and insisted that I send the requested copies via FAX or USPS snail mail. I opted to send the documents via XXXX on XX/XX/year> and verified SEVERAL times that I had the correct address before sending them out! 

I waited XXXX weeks to reach back out to customer service. They are now telling me that they never received the requested documentation and are unable to help me until they do. I have had several other calls intermittently throughout these months and no one can assist me. I feel strongly that this is a scam to simply take people 's money who are simply unwilling or unable to take them to task. I have done everything they have asked of me, multiple times, and they are still holding my money XXXX! Please help
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2024-02-06
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. (MO)

Over 20 complaints today Experian has work on and resolved nothing for going on 2 year AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Consumer complaint received 2024-02-06
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mr. Cooper Group Inc. (AZ)

During the pandemic I made late payments to my previous Mortgage Company Mr. Cooper. The payments were late due to me losing my part-time job. My loan was always current I just ran behind occasionally. 
I submitted a letter of forgiveness citing the " Cares Act '' and Mr. Cooper has refused to meet with me to discuss that difficult time. 
The " Cares Act '' reported consumers would not report late payments during the pandemic. 

I would like Mr. Cooper to remove all late payments if possible as they were made during a difficult time. Currently my report shows my mortgage was paid late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

That time was difficult for all consumers so asking for forgiveness isn't new. 

Any assistance would be greatly appreciated.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX I submitted a complaint with these bureaus Equifax, XXXX, and XXXX to conduct disputes on my credit report for these following actions I'm about to thru attachments. It's been 90 days and I haven't heard anything back nor has there been any changes to my credit report. I just want these issues resolved so I can move on to further ventures with my credit. Please And Thank You.
Consumer complaint received 2024-02-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TFS FINANCIAL CORPORATION (CO)

I have a HELOC through Third Federal Savings & Loan. I had a very small balance left on the account and was making regular payments. I depend on them to send me paper statements every month. I run a business and have a large number of bills to pay each month, so I take the paper statements and put them in a date ordered stack and pay them, in order, prior to their due date. 

Some time in late 2023, a single paper statement was apparently returned to Third Federal by the US Post office. Nothing has changed with my address, and I still regularly get mail there just fine. 

Because of that returned statement, Third Federal stopped sending me paper statements. On top of that, they never notified me of the trouble via e-mail or phone call. They claim to have sent a notice in the US Mail. That's the same delivery method they stopped using because it was unreliable so they should have reached out via phone or e-mail. 

I happened to catch the monthly due dates a couple of times and made payments on time. I once tried to get a copy of a statement on their website, but that's not possible unless you turn on paperless delivery. I enabled paperless delivery and grabbed a statement, but then converted back to paper. Paper is the method I need for correct processing. 

I did call them at one point and was told that they are sending statements to me. I don't remember the date of that call. 

During the chaos of trying to get them to send me statements, I apparently missed one payment. I was never notified of the missed payment. The first I was notified was AFTER they reported me to the credit bureaus for being 30 days late. At THAT POINT, they started to call me, e-mail me and send me notices that they had reported me to the credit bureaus. 

They clearly have the ability to use e-mail and phone when they want to, but never notified me of the US Mail issue, nor did they notify me that I missed one payment. 

I have since paid off my balance and will be closing my account with them. Their credit reporting has caused me direct harm. I have a credit score of over XXXX and maintain a perfect record. Because of their unethical business practices, they have dropped my score over XXXX points at a time when I'm planning on buying a new car. I simply want my credit cleaned up. I will be engaging an attorney if this can't get resolved. 

Respectfully, XXXX XXXX
Consumer complaint received 2024-02-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (SC)

I believe my escrow analysis was incorrectly calculated in XXXX of XXXX, causing an escrow shortage of {$220.00} for XXXX thus increasing my monthly payment from {$1200.00} to {$1200.00}. 

In XXXX of XXXX, I was issued an overage refund of {$140.00}, and my monthly payment was lowered from {$1200.00} to {$1200.00}. The total difference in payment for the year was {$320.00}. The overage refund and the lowered payment amount together equal {$470.00}. Had the XXXX analysis been done correctly, there would not be a projected deficit for XXXX. 

Additionally, my property tax went down from {$1600.00} to {$1500.00} and therefore is not the source of the projected deficit. However, my mortgage company paid this tax late and therefore incurred a 10 % fee. I do not believe I should be penalized for this negligence. My insurance premium only increased by {$120.00}.
Consumer complaint received 2023-02-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (GA)

Well Fargo forced us into foreclosure on our home at XXXX XXXX XXXX, XXXX, GA XXXX forced into sale on XX/XX/2019. During the proceeding several years we received dozens of foreclosure notices, litigation went all the way to Georgia Court of Appeals, we managed to pay our way out but were left financially devastated. Credit rating was destroyed. During this process mitigation / loan modification was refused and we were forced to sell during final foreclosure notice process on XX/XX/2019.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX  Balance Owed : {$5600.00} XXXX XXXXXX/XX/year>
Consumer complaint received 2017-08-11
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. (MN)

To Whom It May Concern : I am a victim of identity theft and filed a police report with the XXXX XXXX Police Department. The police report case number that is on file is : XXXX. The following account is fraudulent and unauthorized : XXXX XXXX XXXX/XXXX XXXX,XX/XX/XXXX. The following hard inquiries are all fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX
Consumer complaint received 2023-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I filed a dispute to the three credit bureaus about a bankruptcy REF XXXX XXXXXXXX being reported on my file and all the agencies responded that they validated the information with court. So, I wrote the court and asked them how they validate information being reported to the credit bureaus and their response was, ( we do not report to any case information to credit bureaus ). See attached response. So either all three credit bureaus made a clerical error in their response to me, or they simply lied to me. Either way, the reporting requirements do not comply with FCRA 611 ( 15 USC & 1616811 ) Nor do they comply with ( 15 USC 1681e ) Compliance Procedures for ( Maximum Possible Accuracy ). Therefore they must delete the information immediately.
Consumer complaint received 2023-06-02
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. (NJ)

My right have been violated according to 15 U.S.C 1618 section 602A states I have the right to Privacy.

15 U.S.C 1681 section 606A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

These two accounts have been reflected badly on my credit report for over seven years. 

XXXX XXXX XXXX  Date : XX/XX/2015, Account # XXXX XXXX. XXXX XXXX Date : XX/XX/2015, Account # XXXX
Consumer complaint received 2024-02-06
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo/Wachovia opened a case last year but did not resolve the issue. I am entitled to seven payable on death accounts that my mother left POD to me that were wrongly closed by predatory ( former ) guardian/convicted Felon ( as of XX/XX/XXXX ) XXXX XXXX and her cohorts. This was a violation of federal banking laws and the bank remains responsible. Wells Fargo gave me a case number and contacted me by phone claiming there would be a settlement. But the bank failed to do as promised. I am still awaiting a monetary settlement, which I was promised. The bank participated in an illegal OR negligent activity by giving my inheritance money ( the seven CDs/money markets ) to the wrong person ( XXXXXXXX XXXX XXXX  ) using an illegal court order. XXXX XXXX ( XXXX ) also now makes it clear that a bank can not destroy a Totten Trust . The bank either intentionally collaborated with convicted felon XXXX XXXX or erroneously paid out the seven CDs to XXXX XXXX 's Geriatric Care Management company. In either case, the Errors and Omissions of Wells Fargo/Wachovia insurance should be able to reimburse me the nearly half a million dollars that rightfully belongs to me. In a letter sent to me the end of last year, Wells Fargo claimed they could not provide information on the wrongfully closed/money taken accounts. This is a misstatement, since the money/accounts belong to me. The money is mine and has been mine ( POD ) since XX/XX/XXXX ( the day of my mother 's death ). It's time for Wells Fargo/Wachovia to give back the money that was wrongfully taken and not given to the rightful heir ( XXXX XXXX XXXX XXXX The bank has a contract with my mother, XXXX XXXX, to honor her wishes, and no predatory guardian or illegal court order can destroy a Totten Trust. I am now reaching out to the CFPB through XXXX XXXX 's office for assistance with this matter. I have extensive documentation to prove my claim and there is no statute of limitations where there has been fraud, and also for the sake of justice. For years, no one listened, but now with XXXX XXXX arrest and conviction and new legislation specifically stating that Totten Trusts can not be destroyed ( XXXX XXXX, XXXX ), the bank needs to honor my claim. Sincerely, XXXX XXXX ( XXXX ) XXXX or ( XXXX ) XXXX. XXXX XXXX. XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2023-06-09
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. (TN)

I am a victim of identity theft. XXXX XXXX, XXXX XXXX Bank, and So XXXX XXXX XXXX XXXX, have fraudulent accounts on my credit profile that needs to be removed immediately.
Consumer complaint received 2023-08-31
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: Experian Information Solutions Inc. (TN)

i am a victim of identity theft. My personal information was stolen and used to get loans and credit. I filed the correct paperwork per the FCRA and sent it to the credit agencies. They have not done anything and not attached my paperwork to the disputes. 

This is the account : XXXX XXXX
Consumer complaint received 2023-04-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation (MS)

I purchased a car from XXXX XXXX in XXXX TN in XXXX or XXXX the loan was for a little over {$21000.00} @ XXXX a month .... From my calculations I'm done paying that loan off and they're saying I still owe over {$7000.00}... 
Loan Company name : Bridgecrest Car make model : XXXX XXXX XXXX Account # of loan : XXXX
Consumer complaint received 2024-02-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd. (IL)

I have been receiving usps paper bills and text messages from collection, agency, Harris and Harris regarding a medical bill from XXXX XXXX XXXX. 
Despite the hospitals claim, I was never sent a bill from them. I just got off the phone with their billing department. 

They sent the bill to an incorrect address. 

The address they mailed to is- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Illinois. 
I live in XXXX XXXX Illinois. I never received a bill. 
Because I never got the bill I didnt have a chance to dispute it. I am fully insured. I have Medicare, Medicare, supplements and Medicaid I shouldnt have gotten a bill at all.
Consumer complaint received 2017-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AZ)

I checked all 3 of credit report today and it shows I have a chapter XXXX bankruptcy .... The courts do not report to the credit agency.. how did they get the information for the courts..
Consumer complaint received 2024-04-09
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. (OH)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance : {$380.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$7000.00} XXXX XXXX XXXX XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXX Balance : {$810.00}
Consumer complaint received 2023-09-22
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: JPMORGAN CHASE & CO. (OH)

On XX/XX/2023 at XXXX I received an email from XXXX XXXX alerting me to a new hard pull on my account. The hard inquiry came from JPMCB Card Services ( Bank ). I did not authorize JP Morgan to obtain my credit information in any form, nor have I applied for any type of new credit or credit cards.
Consumer complaint received 2024-02-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (VA)

I bank with Wells Fargo. Have two addresses on file. Paperless.

Wells Fargo closed my bank account with no notice, did not notify me until four days after closing- via email. I was aware of it by then as I keep all money in one account and log in daily. 

Account closed XX/XX/year> - I have spoken to 5 people on the phone and gone into two branches to gain access to the funds. All have said it is not possible to issue my money to me in person. That a cashier 's check must be mailed. No one has been able to verify where the check was mailed or on what day but that this will be up to 15 business days from XX/XX/XXXX ( three days after account was closed and access to my money was removed ) before the check arrives. 

I travel most of the year and bank online and the check will be mailed to an address across the country that I will not have access to for three and a half more months.

They said the best they could do is if I haven't not gotten the check in my possession in 15 business days, to call them. They were unable to offer information on what they could do at that time. 

This is all of my money. 

Thank you.
Consumer complaint received 2024-02-06
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Grain Technology, Inc. (OH)

I continue to have issues with this company each month when it comes to making payments. They have the worst payment platform known to man. Each month I have to send them and email to advice a I can not make a payment and the option is blanked out. I am told every time to delete the app and reinstall. They have confirmed issues with their app and IOS which clearly remain unresolved. I was recently asked to send them my checking account info so they could add it back ti my account. They confirmed the checking acct and did two small deposits to confirm the checking was valid. I sent them confirmation of the deposits. I later tried confirming on the app the deposit amounts and received an error. I went them a screenshot and was notified they would be removing my checking acct. this is the second account they have removed. I was told again to uninstall the app and try to add my checking acct. I sent them proof that I could not do this. Their app would not allow and has the option blanked out. I continued to get the same emails. They have not resolved any issues. Theyve removed my checking acct twice now and reported me past due now twice. They also did not respond to the Ohio AG regarding these issues. They continue to collect fees and interest knowing their system does not work. This is a scam, this is fraud. They need to be held accountable. I have asked them to update my credit bureau reports for prior report due to their system issues and they have refused. They will have a class action lawsuit in a few years I am sure but I need this resolved now.