davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

The XXXX XXXX XXXX XXXX closed my account. And that's fine. The statement close date is usually the XXXX of each month. I recently paid the card down to XXXX XXXX XXXX XXXXXX/XX/XXXX and the card is still showing a balance on my credit report. 

They normally would post the statement if there was a balance on it. But i find it odd that now there is no balance on it and it's going on 2 months that the same information is being reported on my credit reports about a card that has been paid in full for a while now.. 

I called the company and they told me to call the credit bureaus. I call the credit bureaus and they tell me to call the company. This is insane that this is remaining on my credit report and is paid in full. It's damaging my credit profile.
Consumer complaint received 2023-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

After filing a complaint against Pennymac Loan Preccessing with your agency, I got a call from them within XXXX hours. Thank you! 

Unfortunately they said they would send an email deleting my erroneous late fee and that I owed an amount of about {$97.00}. I don't think I owe that but to make the problem go away it is worth it to pay that amount. 

I got an email from them but it did not reflect what the customer service rep explained. I will not talk to them on the phone again and will communicate via email only ( they said they would send an email about our discussion but I have not seen it ). 

Please register this second compliant. 

Thank you
Consumer complaint received 2017-11-03
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: Experian Information Solutions Inc. (TX)

This items below are inaccurate, because I never made a late payment with the below creditors. I requested that Experian, and all of the below creditors to verify the accounts as per FCRA 15 U.S. Code 1681i, or remove the unverified account history. As of the date of this submission Experian and the below creditors, has not provided physical verification of the alleged late payments. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the negatively impacting late payment history be removed or provide " physical verification '' of actual late payments.
1. XXXX XXXX XXXX-XXXX 2. XXXX XXXX XXXX-XXXX 3. XXXX XXXX XXXX-XXXX 4. XXXX XXXX XXXX-XXXX 5. XXXX XXXX XXXX-XXXX 6. XXXX XXXX XXXX-XXXX 7. XXXX XXXX XXXX-XXXX 8. XXXX XXXX XXXX-XXXX 9. XXXX XXXX XXXX-XXXX
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 2023-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I submitted a letter to the Credit Bureaus to delete 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 Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX
Consumer complaint received 2023-07-11
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX XXXXXX/XX/, I dialed XXXX from my handset to make the monthly payment. After typing my zip code, the automated machine said there was an error, wait for an assistant. I didn't believe anything. So I tried it at least three times, and same response. Therefore, I decided to pay my bill via XXXX XXXX. Again, I was informed there has been error. Finally, I tried it again, I took a screenshot picture while the payment was processing. I received a notice saying payment didn't go through, but when I checked my Bank of America online ledger, it had gone through. ( see images ). 
Since the payment of {$71.00} had gone through, I notified : - XXXX ( requesting my payment confirmation ) - XXXX - XXXX - XXXX Nobody texted me anything. This morning, XXXX, I woke up and went to use my phone ; no service. I couldn't believe payment had gone through, and I had no service. This is the second time I wake up with no service and the bill is paid So, I called XXXX to inform them that my handset was switched again and now I have no service. This took place around XXXXXXXX XXXX EST. I even disclosed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On my way to the airport, I stopped at the XXXX XXXX XXXX retail store inside the XXXX XXXX. By then, it was XXXX XXXX XXXX., XXXX to XXXX XXXX. EST. I shared everything to XXXX. He alleged his computer reflected no payment. I dialed XXXX on speakers, and the machine said my last payment was XX/XX/2023. XXXX dollars has been added to my account. And then it said " you have a XXXX balance. '' Dialing XXXX was not enough evidence to XXXX. So, I dialed the Bank XXXX on speaker phone. The automated machine said clearly XXXX XXXX {$71.00}. Then XXXX said, " Well, I do not know if it's being returned. '' So, I called XXXX XXXX XXXX and when I asked for Customer Representative for payment, the machine hung up on me. 
At that point I notified XXXX XXXX XXXX FCC OIG of what I was encountering. Then XXXX came over while I was trying to reach XXXX XXXX XXXX customer service. XXXX had already left my side. XXXX asked me to open my handset. He brought over a sim card and IPad. He then punched a few characters. He closed my cell phone. He then said " all done. '' Something to that effect. After that he dialed XXXX. The automated machine said, " Your last payment was XX/XX/2023. I went crazy ; and raised my voice. XXXX said he didn't do anything. I haven't paid. 
In conclusion, since I had a flight to catch, I made a second payment, {$69.00}. ( see images ) I recorded 95 % of the payment process. After a receipt was handed to me, I opened my online ledger and showed the double billing. 
A few hours later, a text kicked in saying my payment was not successful. Therefore, I'm asking for a refund of {$71.00}. 

Please have Bank of America refund {$71.00}. CRAZY, but true. Again, please have {$71.00} refunded asap. 

Thank You, XXXX XXXX XXXX
Consumer complaint received 2024-02-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AL)

I bought two item on XXXX. I asked my bank to wire transfer on XX/XX/year> at XXXX, I then realized I was being scammed at XXXX on XX/XX/year> I contacted XXXX XXXX XXXX XXXX to reverse and stop the wires from going through. Then I attempted to call both receiving banks to let the know that this was a scam and not deposit the funds in the accounts. I had no luck talking to the banks and they would not discuss because I wasnt the bank and didnt have an account with their bank. I then reported this to the FBI and state bureau of investigation. The wire was {$24000.00} going to JP Morgan, Chase Bank, wire number XXXX.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

**Tax Treatment by the IRS** : - The IRS generally considers canceled or forgiven debt as taxable income. According to IRS regulations ( IRS Publication 525 ), canceled debts are generally includible in gross income.

**Tax Law and Code** : - The relevant tax law governing canceled debt is outlined in the Internal Revenue Code ( IRC ) Section 61 ( a ) ( 12 ). This section states that gross income includes income from discharge of indebtedness.

The CRA 's have violated my consumer rights with illegal and improper reporting causing EXTREME DAMAGE to my accounts ( Estate ). This ADVERSE ACTION, that is what it is PERIOD, coupled with the illegal XXXX XXXX XXXX and Universal Default fraud of sharing PRIVATE and PERSONAL information ILLEGALLY obtained has injured my PERSON and the individual Agent/Accommodation party.
Consumer complaint received 2023-12-20
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 2023-12-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY (NY)

I opened a checking account with Wells Fargo from an offer to receive a welcome bonus of {$320.00} if " {$1000.00} or more in qualifying electronic deposits were received within 90 days ''. I deposited electronically a total of {$1000.00} by XX/XX/24. 

When i asked about the missing bonus it was explained to me that the deposits would have to be from an employer and deposits from other banks were not eligible. I think that is very misleading and should have been made clear in the marketing materials. If i had to set up a direct deposit from my employer or other entity that should have been a main part of the marketing as it is with other banks. Other banks that have similar offers that only mention electronic deposits do not have this requirement and accept electronic deposits from any source.
Consumer complaint received 2024-04-13
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. (KY)

i was affected by XXXX data breach and a victim of identity theft there was account opened fraudulent in re XXXX XXXX XXXX. i have supplied proof of identity myself and documents including that XXXX can not verify this account and deleted it PLEASE REFFERENCE ATTACHED DOCUMENTS
Consumer complaint received 2023-12-22
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: LEXISNEXIS (FL)

I would like you to dispute the accuracy of information contained in my Lexis Nexis consumer report. I recently obtained a copy of my report and discovered several items that I believe are inaccurate. I am requesting a thorough investigation into the following items : 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 2018-12-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX, I sent an investigation request to the credit bureaus, asking them to correct errors on my credit report. According to the Fair Credit Reporting Act, they are suppose to respond with the results within 30 days. They have not responded within the time-frame allowed by law.
Consumer complaint received 2023-12-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (KS)

Deposited {$97000.00} dollars to Wells Fargo bank in XXXX XXXX In are about of of XX/XX/2023 bank account was emptied. Informed bank, bank only credited me {$3600.00} dollars. And told me that was final credit to account. Informed bank that my account was still getting hacked. Bank kept denying claims an never changed my checking account number left account as is an only gave new debit card.
Consumer complaint received 2023-12-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC. (AZ)

The company misapplied payments. The problem may have started in XXXX but I'm ignoring that. I requested a payoff quote in XX/XX/XXXX and started paying additional principal since I had a month where that quote was correct, which was through XX/XX/XXXX. The company mis-applied a payment to XX/XX/XXXX, which I noticed on XX/XX/XXXX and requested it be moved to additional principal. I then made payment through customer service for payoff toward the principal and wired more than the payoff amount ( I believe ) which they received on XX/XX/XXXX. Since the principal balance was incorrect, I had to make a big leap of faith that my calculations were correct. 

They have not yet made the correction, I don't know where the payoff wire is sitting, and I can not get a contact method to contact the payoff department. I have been told that I'm going to have to request yet another payoff quote after the fix has been made, but there is no activity on making the account correct and I can't verify the payoff amount I've sent in is sufficient since I'm not allowed to speak with or contact the Payoff Department.

I need to know that enough funds have been sent in to payoff this loan, I need to know how to contact the Payoff Department, and I need the misapplied payment to be fixed. If I need another payoff quote, I need that expedited.
Consumer complaint received 2024-01-12
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC. (PA)

Demanding full loan payment for repossession of vehicle.The payment app consistently is inoperable and is shutdown due to problem making it an issues to be able to pay bill. Signed up for auto pay yet the company did not take money out to pay bill.
Consumer complaint received 2023-12-22
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: BMO Bank, N.A. (NV)

Yes, I have called multiple time. In order to make a dispute for the transaction that I didn't make, I only made the success of getting a new card but I had to wait about an hour just to get help. and the rep has told me to called again once everything has been posted for the unauthorized transaction. and once I called again it was another hour of waiting, in order to get help and once they transfer me to a new department I had to wait about another 30 mins but i never gotten help so i had to hang up the phone and i was tired of waiting!! this is getting out of control, I have other things to do as well. Other than that I need these transaction gone from my statement since i didn't do it. 

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 2023-12-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to dispute the accuracy of certain accounts currently listed on my credit report. After a thorough review, it has become apparent that there is insufficient information to verify the debts associated with the following accounts : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX - XXXX XXXX XXXX, DEPT OF ED/XXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX, XXXX XXXX XXXX XXXX, and DEPT OF EDXXXX XXXX, and DEPT OF ED/XXXX  XXXX XXXX I dispute the completeness and accuracy of the information provided for these accounts. The lack of sufficient details to validate these debts necessitates their removal from my credit report. I request that you conduct a thorough investigation into these matters and, if unable to provide verifiable proof of these debts, remove them from my credit file immediately. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Consumer complaint received 2024-01-19
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: Shellpoint Partners, LLC (FL)

XXXX. We were approved for a mortgage and it was sold to Shellpoint/Newrez.

2. We continue to get confusing and conflicting letters from Newrez including asking us to change our address to one that does not exist in our building.

3. The insurance department will not use the instructions that we provide them to request our XXXX every year.

4. Last year and this year, they have force placed insurance on our unit. ( We filed a complaint last year and it was resolved by putting the money that they erroneously collected into our escrow account ( obviously, we would prefer to have that money in our account and it is THEIR error ).

5. After submitting the XXXX  this year for them ( again, they ignore the numerous emails, letters and phone calls asking them to please use the instructions the building 's insurance company provided us for them. They do it by email and not fax ), they have force placed wind insurance on our unit. 
6. We call and speak to agents that agree that we have sufficient coverage and then we start getting the letters again.

7. Our XXXX is the exact XXXX coverage that we had when we bought our condo. We maintain proper coverage and we do not have time to do this year after year. My mother is XXXX XXXX XXXX and I do not have the time or energy to fight my mortgage company. We pay our mortgage payment via the auto draft, and we maintain sufficient coverage. This has become harassment.