davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (FL)

On   XXXX   XXXX   XXXX   I obtained a HELOC from Wachovia Bank for {$160000.00} for my home at  XXXX   XXXX   XXXX   XXXX ,  XXXX , FL  XXXX  - Loan Number :  XXXX . The loan officer was  XXXX   XXXX , and they did not require any proof of employment docs, only the deed to the property. They filed a lien on the property.   I became   XXXX   in   XXXX   XXXX   and was unable to find work for  XXXX  months, and was carrying {$2.00}  XXXX  in debt. After exhausting all resources, including  XXXX , stock, and savings I filed a Chapter  XXXX  bankruptcy in  XXXX . The HELOC and all other debt was discharged. I was able to bring the smaller  XXXX  mortgage current and keep the home.  Wells Fargo Bank (  successor ) has refused to remove the lien, even though they have received the Bankruptcy discharge documents, and their own records show the debt is gone. I have spent over   XXXX   years writing and trying to find someone to assist. In writing, I just get a form letter and on the phone they say they can not discuss this due to the bankruptcy discharge. Wells did however use my information to open  XXXX   Wells Fargo  bank accounts in  XXXX , AZ ( I live in FL ). The  Wells Fargo  employee was  XXXX   XXXX . I closed the accounts as soon as I learned about them.   I am  XXXX  and getting ready to go on   XXXX   XXXX  , and move to a less expensive area out of state. I can not sell my house with this lien on it, and  Wells Fargo  does n't respond for requests to remove it.   Attached is the a copy o f Wells Information  copied from my  XXXX  credit report and my Bankruptcy discharge from the court.  Wells Fargo  will not provide any documents to me, saying that the debt was discharged.   Please let me know what I can do to get the lien removed.    XXXX   XXXX   XXXX
Consumer complaint received 2017-05-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

I received multiple refinancing letters through mail from different entities. I decided to call  Chase  my current  Mortgagee  and started the loan process. But to get started they charge me a {$500.00 } Good f aith estimate that will be applied towards the Closing Cost. I provided the loa n officer with a ll documentations on the day same day we lock the rate of the loan for 60 Days. Appraisal of the my how was done with in a couple of weeks and came back at  XXXX   LTV. w hich means the loan to the value is about half. I contact my loan officer and said everything was fine. Then i get a call about a couple of thing that i need to provide for current information. Two weeks before the closing i try to contact lo oan officer  through voice and email. I would get emails back will call you back this after noon, but ofcourse never received the call. It has been over the 60 days and do not know what i need to do. I decided to dispute the charge on my Debit card and guess what? it is a debit card from chase and can not dispute the charge. I call this a ponzi scheme. The person had told me that is a billing department issue and i am just getting the run around.
Consumer complaint received 2023-06-30
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. (TX)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2017-05-03
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (NY)

One Main Financial ha s incorrect hard inquiries on both my   XXXX   and   XXXX   credit reports. They are showing inquires from  XXXX / XXXX /  XXXX  . Inquiries that I did not authorize.  One m ain financial has sent me a letter on  XXXX  stating that they do not see hard inquiries on those  XXXX  reports even though I sent them a copy of both reports. I do not know wha t one  main financial is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquires from my   XXXX   and  XXXX  report. The inquiry date is  XXXX / XXXX /  XXXX
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I implore you to promptly update my account as I have consistently made timely payments, and the current situation is causing me a significant amount of XXXX
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. (FL)

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.

The letters are stated with items and issues.

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 2017-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I tried to setup auto pay several times on Bank  of Americas  website. I had automatic payment on my account for years and have no idea why it was removed. When I would log into my account it would show that I had a payment due that had to be made. The website would restrict my ability to pay to calling Ban k of Americas phone number. I would call be placed on hold and transfered several times. My situtation would n ot be resolved and I would be told that someone would get back in touch with me to help setup auto pay when some restriction was moved from my account. I went through the process and believed that after several phone calls my auto pay was reinstated. So several months later after I was left to believe that I had auto pay reinstated, Bank of America stated I was late with a payment of roughly {$20.00} ( which was my total balance ). My wife and I are currently looking at houses after having moved to  XXXX  from  XXXX . I called Bank of America to try and understand why my payment had n't automatically pulled from my bank account. I was transferred several times and told I would once again receive a phone call with the company decision i n 2  business days. A week later I called back to find they mailed a letter to my old address in   XXXX   which I had changed on the website and over the phone at least twice. I received a response from a manger named  XXXX   XXXX  that the company did not see this as there problem and would not change the record of a late payment to the credit bureau. Since this will force my wife and I to pay tens of thousands of dollars more in loan interest you might  imagine  I 'm pretty furious. My credit history is flawless minus this recent unpleasantness with Bank of America. I would appreciate any clarity in resolving this issue quickly.
Consumer complaint received 2019-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX XXXX never late XXXX XXXX not mine
Consumer complaint received 2017-05-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

My last complaint involved monies owed to me by Bank of America. They responded that the reason I did not get the money was, " The notary made a mistake on the paperwork. '' However, they never notified me about the mistake and the notary was Bank of America 's assigned notary. It was not our mistake, it was theirs because they used their own notary who they sent to my home. What is strange is the fact that we got a letter confirming all was good and since then we have been paying our mortgage with no referral to the mistake Now they are sending me boxes of paperwork. It is about time that  BOA  pay for their mistakes.
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. (TX)

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. 

The letters are stated with items and issues.

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 2019-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (CO)

Been fixing my credit, had a computer problem ended up with a virus, everything got compromised and crashed in late XXXX and mid XXXX. I applied for 1 credit card and it got approved. since then waiting on some stuff to get taken off credit report i noticed some hard inquiries that i didn't make. 

XXXX XXXX - Inquiry from XX/XX/2019 XXXX XXXX - Inquiry from XX/XX/2019 XXXX  XXXX - Inquiry from XX/XX/2019 XXXX - Inquiry from XX/XX/2019 Cbna - Inquiry from XX/XX/2019 I need these removed!
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

" XXXX XXXX '' keeps reporting inaccurate information on my TransUnion credit report, which is a direct violation of the FCRA. One month it reports as " open '' -- the next month it reports as " closed. '' The latest report showed that it " closed '' on XX/XX/2022. As of XX/XX/2022, it is reporting as " open. '' This is fraudulent and a violation of the FCRA. This account needs to be deleted from my TransUnion credit report immediately. 

XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-09-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Wolf River Development Company (MN)

I inquired about qualifying for a loan from XXXX XXXX. After reviewing the company 's APR rates and finance charges, I decided against getting the loan. I have spoken with 7 different representatives at the company and requested them to stop calling me. They call me over 14 times per day, all hours of the day. When I answer and ask them to stop calling me they harass me and ask things like why would you want to do that. When I continue to push to stop calling me as I never took out or accepted the offer and do not wish to, they say they need to transfer me to someone else, I will sit on hold for over an hour just to get another rep that does the same thing. I have tried blocking the phone number and they continue to call me from various different phone numbers. I would like this company to quit contacting me as at this point it is harassment.
Consumer complaint received 2017-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (MO)

My husband applied for  a Chase c redit card  (   XXXX   XXXX   ) to transfer the balance of on  XXXX  of our high interest credit cards. It did not transfer the entire balance in  XXXX    XXXX  . I went to payoff this credit card and saw that we were charged the {$93.00} balance transfer fee. I called chase today  XXXX  and spoke to an associate to see if this fee could be waived since I was paying the card off and the account was not serving its purpose for us. He said he could not help and transferred me to a supervisor. The supervisor said this fee is not able to be waived and he did not care about our situation. We have had the account for less than  2    weeks. We have never used the card and was asking as a courtesy to have the {$93.00} fee waived. I do not see why the fee could not be waived. we are not planning on using this account. In fact I paid off the card and am planning on closing the account. Please assist in getting this {$93.00} fee refunded to myself. My husband and I are trying to get out of debt. we just had a new baby.
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The issue is causing me significant distress and XXXX to the poinXXXX where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Consumer complaint received 2023-02-18
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)

In accordance with the fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 : It also States a consumer reporting again y can not furnish a account and it hour my written instructions.
Consumer complaint received 2024-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (KY)

I was expecting a check that was suppose to be for {$22000.00}. The check received was for {$22000.00} .Insread of me getting the check a check was sent to Truist and I deposited there while I was withdrawning funds to pay some bills. When I got home I checked to see why the check was sent to the bank instead of my house and the person told me they didn't send the check yet.. I asked the person that how did the check get to Trusit, by magic. The check was already deposited so I couldn't stop it. On XXXXXXXX XXXX I tried to use my debiit card and it was declined. So I went to the XXXX brance of Trusit in XXXX Kentucky at XXXX XXXX XXXX They told me the main headquaters had put a freeze on my account for the check I didn't know where it came from. Later I lookat at the priority Mail to see where the check was sent from. It came from a place.I tried to contact the company where the check came from after Truist wouldn't do it. I had already told them the story about the check and I had no idea where the check came from. other than I gave them the information on A XXXXXXXX XXXX XXXX man could have finished a investigation by now and I told them so.. They wouldn't pay any of my bills yet they took in my direct deposits for my pensions and still won't release my money as of XXXX XXXX. I have called them asked them to call me and I would answer anything they needed. They not only closed abd block funds from my checking. They also closed my savings when didn't receive the check. I have called several times telling them I needed my money so I XXXX XXXX XXXX XXXX XXXX XXXX so I XXXX XXXX and they have yet to callme or relaease my funds. They're holding my money just to punish me and my XXXX insurace lady told me that Truist has done this to ohters. I will send the picture of the priority mail which I tried to contact from the interent but their phone number doesn't ring over 1 tiem that cuts off. I emailed their support and it doesn't work either because it was returned.. The name of the place the check was labeled as being sent from is XXXX XXXX and I will send that picture.. I have received late chargers because Truist won't release the {$15000.00} I have in the bank that was there before the fradulent was sent and I had some of those funds added after they quit paying my bills but kept my direct deposits. I would have paid all my bills on time if Trusit would send me my money.. One of the people in the Frad department told me it could take up to 90 days.. That would be from eith XX/XX/XXXX or XXXX because that is the dates on the letters I received that told me my acocunt was closed. The closeur bdate was at lkeast XX/XX/XXXX because that is the date I couldn't get any money out of the bank. ' The account statement says it took place at XX/XX/XXXX or something like that but my debit card was declined on XX/XX/XXXX. If it was deposted on the XXXX then why did they decline my card get denied on the XXXX? I will include what i still have here.
Consumer complaint received 2024-08-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION (LA)

After 2 years of asking navy federal to perfect the XXXX on my vehicle they did not. They made it seem like it was my job to do so when initially I was told that they will get it perfected. I mailed and emailed all requested documents. They lost my title and I had to get another and get the XXXX perfected myself after two years. They also reallocated all of my payments to reflect an interest rate of 10 % higher than I agreed upon. This made my payments go up and added two years of late fees.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"
Consumer complaint received 2022-11-28
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. (NY)

Equifax, XXXX, and XXXX violated 15 U.S.C 1681a for refusing to block the fraudulent accounts that was not verified I submitted an identity theft reported provided my proof of identity submitted an identity theft affidavit with The Federal Trade Commission see ( attached documents ) as required according to federal law and the credit reporting agencies failed to block the information or provide a legal reason for not doing so.
Consumer complaint received 2017-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

This company is trying to collect debt that is not owed. Me and my attorney pointed out all the wrongs they are trying to collect on and we have not heard from them from the last dispute and it has been over 30 days. I do not owe them anything and have never done business with them ever. I want this company investigated. Ask them to send you what they sent me and you will see it makes no sense. They are scamming consumers.