davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report. I have reviewed my credit report and have noticed several inaccuracies that I believe are negatively impacting my credit score. The following accounts and inquiries are the subject of my dispute : XXXX XXXX Charge Off Account XXXX XXXXXX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX XXXX I dispute the above items for the following reasons : First, the XXXX XXXXXXXX Charge Off Account is inaccurate. I have never had any business or financial relationship with XXXX, and therefore can not have a charge off account with them. 

Second, the inquiries made by XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX are inaccurate. I did not authorize these inquiries and have no knowledge of them. 
Third, the inquiries made by XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, as well as the inquiry made by XXXX  on XX/XX/XXXX, are also inaccurate. I have not applied for credit with any of these institutions, and therefore should not have any inquiries on my credit report from them. 
I request that you investigate these inaccuracies and remove them from my credit report. I also request that you provide me with a copy of the revised credit report after the inaccuracies have been corrected. 

Thank you for your prompt attention to this matter. 
XXXX : The Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies provide accurate and complete credit reports to consumers. Inaccurate information can negatively impact a consumer 's credit score and ability to obtain credit. Under the FCRA, consumers have the right to dispute inaccurate information on their credit reports and request that it be corrected or removed. Failure to comply with the FCRA can result in legal action against the credit reporting agency. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-12-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (NJ)

Southwest Credit systems reported a collection account on my credit report for {$730.00}. The original creditor is reported as XXXX XXXX. I was not aware of this account. This is fraudulent account. This may be linked to another fraudulent account opened under my name with XXXX as a result of identity theft.
Consumer complaint received 2023-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (TX)

In 2006 I bought a new XXXX  XXXX pickup. The " seller and I the buyer '', signed an agreement, that stated, that if at anytime there are " any changes '' to the contract, that it " would only be inforceaible only if both parties. signed it. As per our agreement, we assigned the contract, to WFS Financial, the lender, in accordance to the conditions of the contract with the agreement that WFS FINANCIAL would adhere to all the conditions of our contract. WFS Financial, failed to adhere to the conditions of our contract, which by the contract, conditions, made the contract non- inforceaible which made the contract, void. Then WFS Financial, was purchased by Wachovia Bank, without any " contract with me '' then Wells Fargo Bank, aquired Wachovia Bank, and nobody had any legal contract with me. In contracts, when one of the parties, breaches any of the conditions in the contract, the other party, is no longer liable for any of the contract conditions in the voided contract, the buyer no longer owes anything and the lender '' no longer has any lien rights, in the voided contract. Wells Fargo Bank, after about 15 years of forcibly taking my property the pickup, Wells Fargo Bank only paid me " half '' of the value of the wrongfully taken property. Wells Fargo Bank, had no contract. Wells Fargo Bank, only has paid, half of the amount I paid for the property and Wells Fargo Bank does not even consider paying for all the years I have suffered, because of Wells Fargo Banktaking of property that had, no legal lien on and now they refuse to pay anything because of the taking of property that they had " no right to take '' ....
Consumer complaint received 2022-02-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Crown Asset Management, LLC, Duluth, GA Branch (CA)

I have sent letters to this debt collector and they are attempting to collect on a debt not authorized by an original agreement. They have not produced any agreement that shows that I owe a debt yet they are continuing to collect on a debt, fees, interest, and costs not authorized by an an original agreement. They have also threatened me with legal action that they can not actually take and I feel very harassed. Additionally, they have failed reported inaccurate information to my credit report including, but not limited to failing to update the credit bureaus to state consumer disputes. I am requesting that your office please investigate this matter I am a XXXX citizen and this is causing me a lot of anxiety spending all of these countless hours trying to fix the mistakes of this company tying to collect on a debt that a contract does not even exist for. I am requesting that none of the companies listed contact me by telephone and communicate with my authorized representative only.
Consumer complaint received 2017-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (TX)

CBE collection is reporting an amount of {$200.00} for XXXX XXXX XXXX which is now XXXX. This is false! I paid the {$200.00} to XXXX XXXX last year in XXXX or XXXX to restore my services of which I have cable services with to date. I spoke with XXXX XXXX at XXXX if payment and requested they remove debt the representative called their collections department and assured me it will be taken care of. I called a representative yesterday and explain this and request they take care of ASAP he advised me to call I requested XXXX XXXX call and confirm debt is paid because they are the XXXX that can verify that. Rep stated they will contract CBE and follow up with me. Im not confident this will happen because I was assured it would be taken care of last year.
Consumer complaint received 2023-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This CFPB complaint is for you to notify that I want to request the complete accuracy of the accounts listed here. I am disappointed about this issue and for this reason, I want you to conduct an immediate investigation to update these information with the correct accounts on my credit report. I am submitting this CFPB complaint in response to the recent investigation. I do not agree with the findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus XXXX XXXX Balance Owed : {$510.00} - Your listing contains multiple errors that are significantly damaging to my credit score. The balance, payment status, and date of last payment that you have reported are all incorrect, and I dispute their accuracy. Let me be clear : I have never been late on any payments, and I have always made my payments on time. Therefore, I demand that you update my credit report immediately, as required by law, to reflect the accurate information. XXXX  XXXX XXXX Balance Owed : {$0.00} - It has come to my attention that the item on my credit report is not only inaccurate but also completely false. The account in question is closed with a zero balance, yet it is being reported as past due. I demand that you rectify this error immediately, as this false reporting is significantly damaging to my credit score and reputation. XXXX XXXX XXXX XXXX XXXX : {$2800.00} - This account 's payment history and status are disgustingly inaccurate. A charge-off MUST show a big fat zero balance, no exceptions! Your careless mistake is screwing up my credit and I won't tolerate it any longer. Either provide solid proof of the last payment, or get this garbage off my file ASAP! XXXX XXXX Balance Owed : {$160.00} - The payment history and status on this account appear to be inaccurate. According to policy, a charge-off should have a balance of zero. This misinformation is negatively affecting my credit, and I kindly request that you provide proof of the last payment. If this can not be provided, I would appreciate it if this information could be removed from my file.
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP (WA)

on XX/XX/XXXX i received a call that stated i needed to provide a copy of my lease, or a utility bill to verify my address. They would not accept the business license, they let me open the account with. So they have frozen the funds. I provided them with the information they required to unlock the funds. they are telling me now today, XX/XX/XXXX, that it will be up to 2 weeks untill my funds, are unlocked. These are business funds, I am unable to work untill this account is unlocked. I have been a customer at the bank for 10 years. I am not a criminal. I provided them with all the information they requested.
Consumer complaint received 2023-07-19
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 (NJ)

I opened a Credit card with Wells Fargo. 
I took an offer for a 0 % Transfer check for {$5500.00} Well within the stated credit limit of {$6000.00} I deposited check into my XXXX checking to pay other cards. XXXX accepted check on XX/XX/2022 then on XX/XX/2022 the check was bounced for lack of funds!!! 

I didn realize what had occured, and did not get notice from XXXX ... except on monthly statement,,, that i did not check ( electronic ) Wells Fargo, continued to charge my account as if it had paid me the {$5500.00}. I have been making payments. 
Now, when I tried to get my electronic statement from XXXX or XXXX XXXX they dont have it!! They only showed my statement starting in XX/XX/2022 with a balance of the XXXX plus the upfront interest When I call them, I get disconnected after I demand the XXXX, XXXX and XX/XX/2022 statements. I did not make any other purchases with card .... still " owe over XXXX
Consumer complaint received 2024-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I find some inquiries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This agency is violating 15 USC 1681c-2 by performing non-federal actions to verify the information a servicer provides against the consumer 's. On XX/XX/2023, Transunion responded through XXXX XXXX, saying, " we update our records with the information the creditor provides ... '' Only the consumer can verify a debt as the original creditor. This debt is not verified. These accounts look deceptive and suspicious. This looks like I'm a risk because of all the names and addresses. I have only one name, phone number, and address where I receive US Mail and correspondence.
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (KY)

I received an email stating that my chime account had been closed. I had over XXXX dollars in the account and need that money to live and pay bills. When I requested a response from them they said contact them through email and wanted paystubs and my id to verify my identity. I have yet to hear anything back from them regarding this situation.
Consumer complaint received 2020-12-14
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: DISCOVER BANK (NY)

I have attempted to have the Discover Credit Card account removed from my XXXX  and XXXX  credit profile several times now, with no success ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). However, this is a fraudulent account. I have submitted a copy of the original police report regarding this account to both XXXX, XXXX, and Discover, but is disregarded in its entirety ; by each company. Further, the fraud and/or identity theft is still being investigated by the XXXX County Police Department ( NY ). I would like to have this item removed from my credit profile completely. Prior to this instance, an auto loan, not opened by me, appeared on my credit profile. XXXX  and XXXX  were able to correct this issue, but not the current one with Discover. Also, Discover has sent me a letter acknowledging that the account is considered invalid. Why the account remains on my profile remains a mystery to me.
Consumer complaint received 2023-07-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: GFS II, LLC (MD)

After XXXX XXXX XXXX ( dealership ) assigned interest in the retail installment contract I initially agreed to, Gateway Financial Solutions created a new contract without disclosing to me what it entailed, modified the numbers, and used this contract unlawfully to create an account in my name unbeknownst to me. I never understood the full entailment of this new contract and they took unreasonable advantage of my lack of understanding. They insisted and influenced me to execute a contract I had never agreed to. Not only just that, but they seized my property and sold it with all the belongings to me in it. They also have been unlawfully producing and transferring my personal information to credit reporting agencies without my consent on behalf of this account they fraudulently created. 

First I contacted the dealership, which conveniently ( sarcasm ) has gone out of business or have changed their contact information so much I could not find them. So I contacted Gateway to validate the information, where did they get this information ; they sent me payment history, my original credit application, and a retail installment contract that APPEARS to be the same contract assigned to them from the dealership. However when comparing the contract to MY original contract it is obvious that this contract that is on file with them has been fraudulently furnished. My signature is omitted in areas, the XXXX contract omitted, the itemization of the amount financed is totally different, what happened? I contact them over the phone, I sent them documents enclosed in this complaint and they didn't have much to tell me but I wanted them to block and remove this account from my credit report immediately ( this happened yesterday XX/XX/23 ). Gateway Financials ' agents ( specifically, XXXX XXXX told me that they didn't have a GAP contract submitted to them so I should go to the dealership for that ... well I contacted the XXXX people who have records of this still existing GAP contract for my vehicle because I paid for it and on it the assignee is indeed Gateway Financial. Weird. 

I come to the CFPB because this has caused so much damages to my credit worthiness, in fact, I JUST got denied for a simple XXXX XXXX credit card because of what they are fraudulently reporting against me on my credit report. This has happened more than once and I'm sure to several other people, I had to move to a new city, get a new job, and I still don't have a car! My auto payment was shot up and you'll see the deception in the documents because the cash price of this vehicle was XXXX dollars but on the contract it says over XXXX XXXX dollars, I was told this jump was because my credit but that's XXXX. Over XXXX XXXX dollars totally unaccounted for. This is totally unfair as a consumer and GOOD people get taken advantage of every day.
Consumer complaint received 2023-07-19
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bull City Financial Solutions, Inc (FL)

Bull City financial Solutions have placed an inquiry on my credit report stating that i owe debt from XX/XX/2023, i have never known this business or done business with them and theyre sharing my information illegally violating 15usc 6801
Consumer complaint received 2023-07-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

Account number XXXX ARS ACCOUNt RESOLUTION is reporting false information on my credit report this debt does not belong to this identity theft I did not do any business with XXXX XXXX XXXX XXXX please remove this account else I wouldve to take legal action
Consumer complaint received 2022-11-16
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: EQUIFAX, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-01
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. (OH)

I am writing to follow up the hard inquiries that I am disputing with your department. 

XXXX  - XX/XX/2023 XXXX  - XX/XX/2023 XXXX  - XX/XX/2023
Consumer complaint received 2023-02-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (CA)

I opened a checking and savings account at the Chase branch located at XXXX XXXX XXXX XXXX on XXXX XX/XX/XXXX. XXXX XXXX XXXX ID XXXX helped me when I opened the accounts After opening the accounts, I was given a folder with an account summary, information about earning an account bonus, details on how to set up direct deposit, information about my debit card, and starter checks. I never received information about fees for the savings account and was never told anything about fees for the savings account. I was advised that I would need to keep at least {$1500.00} in my checking account or receive direct deposits to avoid fees on my checking account. 

A couple of days ago, I noticed that I was getting charged {$5.00} per month on my savings account. I called Chase customer service XXXX XX/XX/XXXX and asked about the fees and requested that they reverse them. 

I was told that in order to avoid fees, I'd have to keep a minimum balance of {$300.00} in the savings account or have at least one automatic transfer per month. I told the agent that I'd set up an automatic transfer to avoid the fees going forward and that this information was never disclosed to me when I opened the account. The agent told me that they could only reverse the fee for one month per company policy. 

I then asked to be transferred to a supervisor to see if they could make an exception to this policy as the fees for the saving account were not disclosed to me. I was then transferred to XXXX XXXX at the main customer service number. XXXX stated that he was unable to make an exception even though the fees for the savings account were not disclosed to me. 

I then decided to try to speak to someone at the branch. I called XXXX XXXX on XXXX XXXX XXXX and requested he reverses the fees because I was not made aware of the fees when opening the savings account. XXXX said that he, nor anyone else at the branch had the authority to reverse the additional fees and suggested I call customer service ( which I already knew was a dead end ). 

I stated to both XXXX and to XXXX that refusal to reverse these undisclosed fees would leave me no choice but to file a complaint with the CFPB and neither one seemed to care. 

Thank you for your time and attention to this matter. 

Regards, XXXX XXXX
Consumer complaint received 2017-03-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

Equifax Credit is reporting an account for XXXX with a balance of {$5100.00} and account number XXXX. This information does not belong to me. I have contacted XXXX and they have no recollection of this. Please remove from my credit report immediately.
Consumer complaint received 2023-02-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AR)

My mortgage company Mr. Cooper failed to pay real estate taxes and when I brought to their attention they say that it was their fault that they did not collect but now I have a {$5000.00} deficiency in escrow and are raising my payments by 54 % which changes my payment from {$1100.00} to {$1700.00}. I can not afford this type of increase and this might cause me to default on my loan.