davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I contacted Equifax on XX/XX/2018 to submit disputes on line. They said they would advise me of up dates and never did. Then when I tried to check the results it would not let me download. Then I tried to chat and call someone and can not get any help. They did not advise me of results within 30 days so these items should be taken off my credit report.
Consumer complaint received 2022-10-24
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. (FL)

According to 15 USC 1666b under timing of payments, it states that a creditor can not treat a payment on a credit card account under and open end consumer credit plan as late for any reason. I have called and sent letters to to both XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX I was advised by both XXXX XXXXXXXX XXXX  and XXXX XXXX XXXX advised me that by LAW they are not allowed to remove any late payments. I called TransUnion at XXXX and spoke to XXXX XX/XX/2022 she advised me that they are not governed by the CFPB laws and do not have to comply. I called XXXX and spoke to XXXX on the XX/XX/2022 and he said that XXXX can not remove the information without the consent of the original Creditor. I am the original creditor. I extended my credit through my open ended credit card ( what is normally call the social security card ). I quoted the law and I was advised that of the law and still will not remove the illegal information. I explained the same to XXXX and advised them that facilitating the posting of my information know the law is illegal and that they are opening themselves up for a lawsuit. I was told take my best shot.
Consumer complaint received 2023-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (PA)

cashier entered {$970.00} as total for money orders and {$110.00} " buy money order '' as transaction ( that no other teller had recognized ). Cashier gave me money order for {$660.00}, {$410.00}, and ( in old bills ) gave me {$110.00} ) So I though everything was fine until I looked at receipt. It did not add up. Receipt showed {$970.00} total. I did not see the charges for money orders XXXX each nor the correct total which should have been XXXX for two moneys orders XXXX and {$410.00}. Moneys were made out correctly. I went back to see teller and lo and behold she was gone. The next teller offered to help but was confused by the entry " Buy {$110.00} money orders '' as she and she asked teller next to her had she heard of this transaction and she said " no ''. I later met with XXXX. who stated she was manageer at the XXXX XXXX XXXX. She explained that the teller was new. I was not satisfied the way we had " settled '' this " error ''. She refused to give me a letter stating that teller made an error. ( more on that as I am running out of time ) Any way, I felt this action was done on purpose and do not feel confident. I asked for XXXX XXXX XXXX 's boss and she said he was out. She went back to office stating her " other '' boss said I could get a brief statement, no letter head, one line sentence. There is much to feel in, but now with this card issue I am very concerned. I have had incidences of loss credit cards and I always reported them right away. Twice I found two ( one not Wells ) but they had already set up for new ones. I also think it odd now that the card I have now is similiar to the card I held for several years ( the number ) I experienced several ( declined ) transaction while in the storesbut when I call wells they knew nothing of them.
Consumer complaint received 2023-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (IL)

I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I have called the reporting agencies and let them know there was so many things wrong with my report like First off the accounts included below are not supposed to be visible on my consumer report. 
I have recently been denied employment and also denied financial assistance due to these companies reporting accounts without my written consent. This has caused me great hardship and I believe this is against my Federal rights.

This is Aggravated Identity Theft 18 U.S Code 1028A and I demand this be deleted from my report in 5 days.

Under 15 US code 1681e ( b ) and 15 US code 1681i ( 5 ) this account is in violation of not reporting 100 % accurate.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am XXXX XXXX submitting this complaint against Experian Information Solutions , INC and there is no third party involved. 


As of XXXX, XX/XX/2022 at XXXX EST your company is entering a binding contract ( Attached below ). Also your company is hereby to delete these accounts below as If your company does not delete these account within 3 business days I will seek legal for up to {$3000.00} as your company will be committing aggravated identity theft, violating the XXXX XXXX compliance and FCRA Delete & purge these accounts below : XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Delete all hard inquires & late payments as well
Consumer complaint received 2022-10-24
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Creditor : XXXX XXXX XXXX XXXX XXXX Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account
Consumer complaint received 2023-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CA)

My adjustable rate mortgage is serviced by BSI Financial. The mortgage terms limit rate increases and decreases to 2 % per year. The rate was increased by 2 % as of XX/XX/XXXX and by 2 % on XX/XX/XXXX which exceeds the limit. BSI Financial confirmed the 2 % annual increase limit in various letters. The company is not following the terms of the mortgage. The rate has now increased 4 % in less than a year with rate increases of 2 % at XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2023-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Received a notification from XXXX XXXX regarding a hard inquiry. I reviewed the information and knew immediately it was not something I had done. I pulled my XXXX credit report which did not show any information regarding this inquiry. I called capital one and was assisted in closing this fraudulently opened account. The customer service representative informed me they would close the account and flag it as fraud and their fraud department would be investigating. 
My major concern is now knowing my SSN has been compromised and I am unsure of how to prevent these people from continuing to open accounts in my name. My next concern is that I was a victim of the XXXX breach of 2017 and although I have credit monitoring I was not informed by their services of this transaction.
Consumer complaint received 2023-06-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In short, the matter is about an unfair decision in my view regarding the closure of my account in 2018, at which time I resorted directly to XXXX XXXX XXXX CEO of Bank of America, as I received a phone call from a member of his office, who indicated that such decisions could never be disclosed, and which left me to guess and I did not come up with a convincing reason, as I have not and will not commit what could be considered a violation of banking rules and customs in any way where they closed my bank accounts in addition to 4 credit card accounts, and I was even asked to take my belongings from the safe that I was renting, which caused a huge loss in addition to moral damage.
Consumer complaint received 2022-12-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (FL)

Hi I was approved for the haf program back in XX/XX/2022. I been on a COVID forbearance since I got approved and that was going fine until the month of XXXX my payments started not getting posted. I spoke to haf and they told me they were mailing them electronic and my mortgage company was cashing the checks but not applying them to my account. I have all 3 tracking numbers and checks were cashed and I call daily with my haf case worker and my mortgage company which is uwm only gives us the run round and puts us on hold. They say the dept that handles the haf doesnt have a phone number only emails sent from with in. I dont know what else to do. My forbearance ends this month and Im behind 3 months with a negative escrow. All because uwm wants to mess up my credit and steal my haf payments. This sounds like a scam to put me in foreclosure and mess up my credit. Please help
Consumer complaint received 2022-10-24
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. (GA)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX AV XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXXXXXX Balance : {$760.00} ; XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX {$960.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$370.00} ; XXXXXXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$65.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$80.00} ; XXXX XXXX XXXXXXXX Balance : {$15.00} ; XXXX XXXX XXXXXXXX Balance : {$260.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX, I opened up an account which shows on my credit report as XXXX to be reported for XXXX year using a security deposit. This was to build my credit and get a return of the security deposit at the end of the XXXX year period. After XXXX year ended, instead of receiving back my security deposit when requested, the company started a new unauthorized account which showed up on my credit as XXXX ( XXXX XXXX ). I tried contacting them to dispute it but I could not get through to anyone. To avoid my credit being negatively affected, I made the minimum payment while trying to dispute and close the account. During this time I could not log in or create a new account online. I was out of work for a period of time in XXXX and could not continue making payment but still could not get the company to close this account. In XX/XX/XXXX, I figured out how to email XXXX XXXX and informed them that I never authorized the account or received a statement from them. I was informed by email that its done automatically and and you have to log in to get one. I informed them that I could not log in and the number on back of the card could not reach a person not give me account details. I was also told that they closed my account back in XX/XX/XXXX and took my {$470.00} security deposit to pay for fees and late fees and that I still owed another {$170.00}. However, they lied because this account is still showing as open on my credit file, further damaging it. The {$470.00} was my money to use but the late fees came from this company who refused to close the account. I am currently still receiving invoices for fees and my credit is ruined due to this company. I was told by email that they would not remove this account from my credit report until I pay them {$170.00}. This is Fraud because I never authorized this account to be added to my credit again. I continue to receive harassment emails from this company and Im told that my it wont stop until I pay them {$170.00} and then late payments will remain on my credit file. I want this removed this from my credit file. This company commits fraud and add unauthorized charges and fees to consumers credit report. Then they refuse to work with customers in order to resolve the issue.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

There are several inaccurate addresses on my credit profile still being reported. I have contacted all bureaus several times to remove the inaccurate information since I'm a victim of identity theft/fraud and nothing has been done.
Consumer complaint received 2023-06-14
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: Maximus Federal Services, Inc. (FL)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency cann furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a46.5k open end consumer credit plan as late for purpose.
Consumer complaint received 2022-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On XX/XX/XXXXXXXX XXXX XXXXXXXX up to XX/XX/XXXX, Multiple unauthorized transaction occurred on my capital one account, Card number of XXXX. 
All transactions on the account were not authorized and is requested to be removed immediately. 
Case number of XXXX.
Consumer complaint received 2022-10-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MN)

About in XXXX of XXXX, I have seen I had fraudulent transactions and I had called my bank ( CHIME ) and they reassured me the money would be returned. A few weeks go by and that was a lie so I filed a dispute with them it got REJECTED! So they said file a police report and then refile a dispute it GOT REJECTED AGAIN, I got scammed and my money stolen, XXXX to be exact and I have done everything they told me to do to prove I had my money stolen. And recently I have heard recent stories about this bank never disputing peoples money back. And ever since I have been struggling financially wise its been an ongoing battle and just want my money back.
Consumer complaint received 2018-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

I retired and PurchaSE MY HOME for my Primary Retirement living. I have been living in my home as of XX/XX/XXXX. MY MORTGAGE CARRIER WAS AMERICAS SERVICING COMPANY CONTINUALLY UNTIL XX/XX/XXXX I RECEIVED A LETTER FROM WELLS FARGO ADRESSED AS A RECAST AGREEMENT AND THAT MY MORTGAGE WILL NO LONGER BE WITH AMERICAS SERVICING COMPANY BUT WILL BE UNDER THEM. 
A BREAKDOWN PAYMENT TABLE WAS DONE FOR FUTURE PAYMENTS. STARTING XX/XX/XXXX AND CONTINUALLY THROUGH THE TERM OF MY MORTGAGE. 
MY INCOME AFTER RETIREMENT ARE AS FOLLOWS. ON THE FIRST OF EACH MONTH MY PENSION WILL BE SENT TO MY ACCOUNT AT MY BANK AND THEY WILL FORWARD MY MORTGAGE TO THE CARRIER. EVERY THIRD WEDNESDAY OF EVERY MONTH MY SOCIAL SECURITY WILL FOLLOW. 
IN XX/XX/XXXX I RECEIVED A LETTER FROM WELLS FARGO THAT MY MORTGAGE WAS DUE. I CONTACT THE BANK THEY HAVE IN XXXX XXXX TO SPEAK TO A MORTGAGE MNGR OF WHICH THEY WERE NONE SO I SPOKE TO A STAFF WORKER AND GAVE HER THE DOCUMENTS OF MY PAYMENT.AT WHICH I WAS INFORMED NO STAFF COULD HELP SO THEY MADE COPIES AND SEND SUCH TO THERE RESOLUTION DEPARTMENT. 
I WAS CONTACTED AT HOME ABOUT TWO WEEKS LATER AND TOLD AFTER CHECKING MY INFORMATION THE PAYMENT WAS MADE SO DON'T WORRY. 
I NOW RELAX BECAUSE THE PAYMENT WILL BE MADE ON THE FIRST OF EACH MONTH FROM MY PENSION BY MY BANK. AFTER A FEW MONTHS I AM NOW CONTACTED BY MY BANK THAT ELECTRONIC CHECKS ARE BEEN SENT FOR PAYMENT IN THE AMOUNT OF {$740.00} FOR MY MORTGAGE. 
I INFORM THE BANK THAT THEY ARE NOW MY CARRIER BUT SHOULD NOT BE TAKING ANY PAYMENT FOR MORTGAGE OUT OF MY SOCIAL SECURITY AFTER RECEIVING THE MORTGAGE ON THE XX/XX/XXXX OF EACH MONTH ALREADY. 
IT BECOMES A NIGHT MARE WELLS FARGO HAVE NOW BEEN TAKEN MY SOCIAL SECURITY ALL OF XX/XX/XXXX AND IN XXXX AND XX/XX/XXXX. i WENT TO THE SOCIAL SECURITY OFFICE AND NOW COMPLAIN BECAUSE I RECEIVED NO PAYMENT FOR XXXX AND XXXX. THEY NOW CHECK AND MAKE A NEW ARRANGEMENT FOR ME TO BE COMPENSATED AND HELP ME TO FILE A COMPLAIN MOST OF ALL MAKE SURE I AM FULLY REFUNDED FOR MY LOSS. 
I WANT AND WILL ONLY SETTLED FOR FULL PAYMENT OF ALL MY MONEY STOLEN BY WELLS FARGO TO BE PAID BACK TO ME IN FULL. 

THANK YOU VERY MUCH FOR GIVING ME THIS TIME. 
I WILL HAVE DOCUMENT AND COPIES SENT TO YOU VERY SOON.
Consumer complaint received 2023-08-10
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. (FL)

There are several inaccurate addresses on my credit profile still being reported. I have contacted all bureaus several times to remove the inaccurate information since I'm a victim of identity theft/fraud and nothing has been done.
Consumer complaint received 2022-12-06
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-01
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. (NY)

There seems to be inaccurate, unverified accounts on my credit report. I simply requested some proof of verification of these accounts. Not only did I not receive any proof, I was told that I did not submit enough information about my dispute. I was told that I did not state my reason. In my letters, I am specifically stating the reasons why and simply requested to obtain the documentation that the bureaus should have on file. I know that the accounts are inaccurate and unverified. I also did not receive a timely response within 30 days. I

never received the documentation that I initially requested. This is also the second letter that I have sent out and it has been 30 days with out a response. All documentation you ma y need to verify my identity is attached to this complaint and I fully authorize these disputes. Please keep in mind investigations are not supposed to take longer than 30 calendar days, not 45, not 60. Please abide by the law. -bank statement -official photo of my id -official photo of my social security card Please do not respond back to this saying you can not move forward with my dispute because of lack of information needed to verify my identity. You have everything you need.