davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-20
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I sent experian, XXXX, XXXX letters disputing fraudulent accounts and inaccurate billing errors on my credit report on XXXX Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. experian, XXXX, XXXX failed to remove or verify the fraudulent accounts Ive reported. Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act experian, XXXX, XXXX are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demanded to see verifiable proof with my signature that experian, XXXX, XXXX have on file for the account listed below.. It has been more than 30 days and experian, XXXX, XXXX have not sent any verifiable proof. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof experian, XXXX, XXXX must remove the accounts and billing errors listed listed below. 

1. The following account is not mine and has not been verified and you also havent responded in 30 days please delete XXXX XXXX XXXXXXXX Account number XXXX XXXX. The following account is not mine and has not been verified and you also havent responded in 30 days please delete XXXX Account number XXXX XXXX. The following account is not mine and has not been verified and you also havent responded in 30 days please delete XXXX Account number : XXXX XXXX. The following account is not mine and has not been verified and you also havent responded in 30 days please delete XXXX XXXX ( Original CreditoXXXX XXXX XXXX XXXX ) XXXXXXXXXXXX  XXXX 5. The following account is not mine and has not been verified and you also havent responded in 30 days please delete XXXX XXXX ( Original Creditor XXXX XXXX ) a/c XXXX XXXX. The following account is reporting late and ive never been late, this inaccurate billing error has not been verified and you also havent responded in 30 days please remove late payments XXXX  XXXX / XXXX XXXX Account number XXXX XXXX. The following account is reporting late and ive never been late, this inaccurate billing error has not been verified and you also havent responded in 30 days please remove late payments XXXX XXXX XXXX Account number XXXX XXXX following account is not mine and has not been verified and you also havent responded in 30 days please delete XXXX XXXX XXXX Account number XXXX
Consumer complaint received 2024-04-01
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. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

Credit Repair Info Police Report Hello as of XX/XX/2021 I've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : Experian, XXXX and XXXX I discovered multiple accounts of which i have no knowledge of. These accounts are fraudulent and I would like to report this incident. I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with XXXX XXXX XXXX about this incident. I have notified : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others. This incident happened XXXXXXXX at my previous home. My truck was parked at when it was broken into. To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen. Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. 

PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY XXXX XXXX Ct XXXX, LA XXXX United States
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (PA)

Hello, my name is XXXX XXXX. 
I recently looked over my credit report because Im trying to purchase a house on my credit report I see some inquiries that are reported that I did not authorize. I also see my name is use a lot in different spelling in different ways. I would just like to get all those things off of my credit a couple things thats on my credit that does not belong to me or that is closed and just need to be off my credit so I could be able to purchase house are, one XXXX and XXXX. Both accounts are closed XXXX XXXX and XXXX both are closed Westlake financial XXXX this account is closed XXXX XXXX this account was never authorized by myself it was made in XXXX XXXX, XXXX this account is close XXXX XXXX XXXX XXXX this account was not authorized by myself. 
XXXX XXXX XXXX also was not authorized by myself. I would like these removed for my credit so I could be able to move forward. Thank you.
Consumer complaint received 2024-01-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To U.S. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

To Whom this may concern, I am writing to formally the revoke the security interest associated with my XXXX XXXX XXXX XXXX XXXX ( XXXX  ) with the loan number # XXXX. I, XXXX XXXX XXXX, am the beneficiary of the promissory note linked to this loan. 

On Friday, XX/XX/XXXX, The XXXX office of JPMorgan Chase contacted me to confirm the receipt of my Registered Securities via Registered mail. As the indentured Trustee of the XXXX, JPMorgan Chase has lawful duties that they must abide by. XXXX XXXX XXXX being the beneficiary, needs JPMorgan Chase to abide by their lawful duties. According to the securities exchange act of 1934, it is the obligation of the indentured trustee to handle the discharge and cancellation of debts. 

JPMorgan Chase, your indentured trustee received my registered securities via registered mail and the record is documented under case number XXXX. JPMorgan Chase was instructed to wire my securities through my XXXX  Account BANK NAME : XXXX XXXX Number : XXXX Account Number : XXXX XXXX  XXXX - XXXX - XXXX I am the beneficiary of the promissory note and I kindly request that you take the lawful steps in Discharging this debt and wiring my securities to me, where they were intended to go in the first place. 

Being that my promissory note is a XXXX XXXX certificate of indebtedness, I understand that it is not being registered with the XXXX, and that is how the securities fraud is going undetected. 

Please take the necessary steps in revoking your security interest as per my request, wiring my securities through my XXXX XXXX XXXX and take the lawful steps in Discharging this debt promptly. 

Your prompt attention to this matter is appreciated. Please confirm in writing once the revocation is processed, the securities are successfully wired to the provided XXXX Account and this debt is successfully discharged.
Consumer complaint received 2023-05-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MN)

Between XX/XX/2022, I fell victim to XXXX multi-layered scam operations run by XXXX  which involved me making deposits for a total amount of XXXX, XXXX USD from my Wells Fargo account to fraudulent investment firm ( XXXX ).
Consumer complaint received 2024-01-05
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: EQUIFAX, INC. (CA)

An unauthorized " New Credit Inquiry '' from or at the " XXXX XXXX XXXX XXXX XXXX '' was made on XX/XX/2024 I have contacted XXXX, XXXX AND EQUIFAX and made filed a fraud alert with each of these credit reporting companies.
Consumer complaint received 2024-01-05
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (NC)

Santander Customers Car loan on XX/XX/24 for my vehicle. The customer service inform me that in order to obtain the vehicle back in possession, I would have to give them {$2000.00} +. I informed them I don't have the money and she told me I would have to make an appointment with the repo to retrieve my personal belongings. I went to the repo on Wednesday morning at XXXXXXXX XXXX and all my belongings was taken out of the vehicle and car plate, was in a bin.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CLGF Holdco 1, LLC (NJ)

Destiny credit card randomly shut off my access to this account and requested a copy of my ID to verify my identity. I sent them a copy of my ID, but they then closed my account. I had a XXXX balance when I last had access to the card. I do not recognize the balance they are reporting nor have I ever been late on a payment on this account. They are reporting me 60 days past due and decimating my credit score and report. They are unwilling to work with me and I have no other recourse to get this negative and false reporting removed.
Consumer complaint received 2024-01-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: DISCOVER BANK (KY)

XXXX, Discover Home Loans wrote me several letters saying they did not have my homeowners insurance on record. I have homeowners insurance and I sent them the information for it. After a lot of back and forth, they admitted to receiving it after first denying that i had sent it. 

XXXX XXXX. Discover Home Loans is saying they don't have my insurance on file. I sent it to them again on XXXX. Today, XXXX i received a demand letter intimidating me into sending them more information to some third party. i sent them my proof of homeowners insurance to the Upload Documents section of their website that is marked " INSURANCE ''. they have the information. they keep losing it and sending me letters. i want this to stop.
Consumer complaint received 2024-01-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (GA)

On or around XX/XX/2023, I received an adverse claim/ letter of denial from American Express denying me an extension of my credit which is a prohibited act constituting discrimination according to 15 USC 1691 and 12 CFR 1002.7 a creditor shall not refuse to extend credit. And according to 15 USC 1611- Criminal liability for willful and knowing violation ( 1 ) Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.

And According to 12 CFR 1002.16 ( b ) ( 1 ) Any creditor that fails to comply with the requirements is liable for punitive damages up to {$10000.00} for individuals.

I then proceeded and mailed a Notice of Federal Violations to the CFO and to the address on the face of the denial letter.

Application Reference # XXXX See attached
Consumer complaint received 2018-12-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (AL)

Wells Fargo illegally evicted me and foreclosed upon my property in XX/XX/XXXX. Wells Fargo admitted to the SEC that because of " calculation errors '' homes were foreclosed upon from XXXX on customers to were qualified for modifications but had been turned down by Wells Fargo.
Consumer complaint received 2024-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CO)

I was called via a spoofing scam in early XXXX. The number on my phone showed up as Wellsfargo. It was someone saying they were with the bank ; they confirmed all of my account info, balances and last transactions. They told me someone had stolen my credit card and had committed fraudulent charges. The last thing was that someone had initiated a wire for XXXX and in order to reverse it I had to wire the money back to myself ( this did not make sense to me but I trusted that they were from the bank ). They had put in a fake " XXXX XXXX '' wire recipient that was actually their own account. 
I completed the wire for XXXX and two hours later contacted Wellsfargo to check in on my " fraud ''. 
They said there was no fraud on my account but that the person I wired money to was actually the criminal. 
I asked that they freeze the wire immediately. 
I called dozens of times that day to confirm they had cancelled it and a week later found out they did not even try to contact the recipient Bank ( XXXX XXXX XXXXXXXX ) until XXXX that day ( over four hours after I called them ). 
They have denied my reimbursement requests and have said this was my fault because someone found out my password ( no one knows my password, somehow this account was breached and I was not notified by Wellsfargo ). 

Today, I found this article in which these people were victim to the exact same crime ( instead of XXXX, mine was a bank wire ) and they were eventually reimbursed : XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I found this ( I have also filed a complaint with the CFPB ) In a XXXX ruling, the Consumer Financial Protection Bureau ( CFPB ) that oversees financial policies and regulations clarified their position that the Electronic Fund Transfer Act of XXXX, known as Regulation E ( " Reg E '' ) that " if a third party fraudulently induces a consumer into sharing account access information, '' that consumer should receive the same protections as if the money were acquired from a stolen debit card or other banking access device. ''
Consumer complaint received 2024-04-01
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)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (MA)

TD Bank XXXX  XXXX XXXX, MA Checking Account Six / Seven Day Hold of Check XXXX XXXX a six day hold on a {$2300.00} check deposit. My records show the money left the other account on XX/XX/. I asked several bank representative at TD why a 6 day delay on the deposit on XXXX XXXX / XXXX. The bank stated in a video recording the six day hold on a checking account deposit is a TD bank standard for new TD customers. I asked the bank to produce the banks literature on this universal standard to share with the FDIC, Federal Trade Commission and Massachusetts State legislature. The bank representative looked on the computer for five to ten minutes to produce these in print and could not find the specific standard in writing. 

I think the six day delay of the deposit is to produce an overdraw fee as a predatory fraud scam. It is my understanding when setting up this specific checking account the bank would block an overdraw charge. Instead the bank did not make me aware of the deposit hold formally in writing until XXXX / XXXX / XXXX  and allowed several transactions to go through creating overdraw fees to profit and create a anxiety in me the bank customer to effect as further psychological advantage in further interactions ; will my check clear in a normal time frame or will I have to wait six days? This kind of unusual delay on a deposit is predatory. The banks new explanation is that the check deposit hold is dependent not on a universal TD bank standard of new customers but my own credit. 

From my understanding my credit is good. I have never had a six day hold at any bank before. The hold on the deposit is now up to 7 days stated in a letter issued on XXXX / XXXX / XXXX  ; the day I placed the check deposit and confirmed it left the first account. 

There is no mention of a standard six day hold / delay of all new TD checking accounts deposits claimed by TD Bank in the video recording stated by the bank representatives in this letter. Attached is the video where the TD employees assure me a six day hold is standard of TD bank. Still no specific evidence from the bank confirming this universal six / seven day standard. I would like to press this issue legally if possible. No bank in the United States should stop a check from being release six days as a standard ; it should be three day. Six to seven days is predatory and toxic to the economy. 

Below is a link to the above mentioned video : XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: LEXISNEXIS (TX)

The investigation took far longer than 30 days. They also did not inform me ( XXXX XXXX XXXX ) as to what exactly was changed, nor did they send any updated results to my insurance company that has now been charging me exorbitant rates/premiums since the beginning of XXXX 2023. 
I also wish to add to my report, held by them, the following statement : I have not had any traffic citations. I also have never been At-Fault in any claims. I have great credit and drive safely. I have been happily married for many years and have a college degree. Thus, I should qualify for your best rates. Thank you for your anticipated understanding and compliance.
Consumer complaint received 2024-01-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (OH)

Mr. Cooper bought my home loan. Monthly there has been issues with my online payments going through. I called and was told not to use autofill because it would not work with their systems ( agent had same issue ). I have never had an issue with any other company using autofill to make payments. I deleted my payment method and manually enter my account information. I made a payment on XX/XX/2023. They reversed it without notification and charged me a {$50.00} NSF charge. I called XXXX XXXX  who does not have record of any NSF charges on my account. Mr. Cooper refuses to refund the fee because they say it is either user error or XXXX XXXX  causing the issue. Mr. Cooper wants a letter saying my account is verified. They are using the exact same account number when it goes through the second time. The fact that they are pulling from the same routing number and account number should prove that the issue is on their end. In approximately XXXX  years of dealing with different banks for home loans I have never had an issue until I had to deal with Mr. Cooper. I would like them to sell my account to a more reputable banking institution. Customer service was unhelpful and actually escalated a situation by being sarcastic and dismissive.
Consumer complaint received 2024-01-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (OH)

I had a credit card of {$300.00}. I was unable to pay due to moving. Well now somehow on there I owe over {$800.00} ... on a XXXX dollar credit limit card. Absolutely wrong. And when I try to log in or find any information it says my account has been 'suspended ' so I cant even get any information. I also never got any calls or emails or letters saying they were closing the account.