davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION (FL)

A wire transfer was done to XXXX through Regions, however, XXXX called XXXX later that A/c was fraudulent due to a scammed email of incorrect wire tranfer info., to go put a stopment at Regions. ; which was requested the same day. However, Regions Bank was not aware ob how to deal with the issue with XXXX XXXX, causing tgem to close the case, after XXXX weeks.
Consumer complaint received 2023-08-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC (MN)

On about XX/XX/XXXX I applied online with Flagstar bank to move my XXXX mortgage payment to the end of my loan. I had a job change and would not start ne employment until XX/XX/XXXX. In XXXX Flagstar had not responded and sent me my normal notice saying I had my mortgage due. I called in from my new job while hiding from my supervisor ( Flagstar does not take calls after business hours and my wife was unable to call as she was caring for our XXXX  children at home. ) They said they had no record of my application and that I would need to fill out another. I filled out another and waited, nothing came and i assumed all was well. In XXXX they sent a letter stating i had late fees and owed two months of my mortgage. I called in and spoke with someone on XX/XX/XXXX who said i had never filled out an application and would need ot fill one out to move my payment to the end of my loan. I sat with him for over an hour ( while at my new job, risking said new job ) trying to find out how to fill out the application. Eventually he said he would submit it for me. On XX/XX/XXXX someone claiming to be " with my mortgage company '' came to my door and handed me a blank envelope with a poorly written note inside the note read " XXXX '' and listed a phone number to call and request a " face to face interview '' he told me he was with my mortgage company, but none of his clothing said so, nor did his appearance, nor did the letters, or the handwritten note inside. I called my mortgage company on XX/XX/21 and was passed through four different departments being told i was talking to the wrong team. Eventually I was told they had received my application and i should wait until the XXXX to see if they would approve it. 

I have been told there " might have been a system glitch '' that prevented them from receiving my application. My credit has taken a very severe hit and my children are worried that we might lose our home. I've scheduled payments to be made but will no doubt fall behind on other bills trying to make up two months mortgage.
Consumer complaint received 2023-08-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (CA)

End of XX/XX/XXXX : The company I performed work for, XXXX XXXX XXXX, XXXX, made out a check to my name in the amount of {$6600.00}. The company let me know shortly after that the check was sent out by USPS and that I should be anticipating the check within in a week 's time. 

XXXX XXXX : I had not received the check as promised, so I contacted XXXX asking for the status. 

XX/XX/XXXX : Unknown to me until XXXX XX/XX/XXXX, someone with the initials ( XXXX ) had stolen my check from USPS, forged my signature and endorsed the payment in-person at the Navy Federal Credit Union ( NFCU ) in XXXX XXXX  XXXX CA. 

XX/XX/XXXX : XXXX notified me that the check had been cashed, to which I told them that I had never received it. They forwarded me a scan of the signed check, which showed it was ( i ) a forged signature and ( ii ) contained instructions to pay to the order of the initials XXXX 

XX/XX/XXXX : I contacted the NFCU to report the fraud, and they responded by saying that I would have to contact my own bank to resolve this issue, and that because I was not a customer, they had no obligations to reimburse me for the amount of the forged check. As my personal bank had no involvement in this one-time payment, I notified XXXX of this development and asked them to contact the NFCU on my behalf to resolve this matter between them and reimburse me for my loss. 

XXXX XXXX : I filed a police report on this matter with XXXX XXXX ( the location of the NFCU ) and XXXX. I also filed a report with USPS. 

XX/XX/XXXX : I filled out an affidavit of forgery addressed to the NFCU.
Consumer complaint received 2023-08-21
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: Experian Information Solutions Inc. (TX)

I kindly request that you prioritize this matter, thoroughly investigate the situation, and swiftly eliminate these unauthorized accounts from my credit report. Your prompt attention and resolution to this issue are deeply appreciated.
Consumer complaint received 2023-06-06
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-11-21
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: WELLS FARGO & COMPANY (FL)

On XXXX/XXXX/XXXX I had a inbound XXXX wire transfer of XXXX converted to USD {$71000.00}. 
Being that the XXXX was slightly better that the USD with the days XXXX range of XXXX to XXXX with the close at XXXX. I felt they were taking a awfully large % and wanted to know how it broke down. 

I went to the local branch, and of course they had to call someone at the XXXX desk. After going over the information with XXXX in XXXX, I told him this was a very poor exchange rate exchange rate and that they needed to re-evaluate it, his response was that they are very competitive in the exchange market. I then pointed out to him that a bank here in Florida, XXXX would do it all day long in any currency at .075 % under XXXX, and their a small fraction of the size of Wells Fargo. 

He said he never heard of them and said that was the best they could do as it is a program. He did tell me the executed rate they gave me was XXXX. This is like a exchange rate at a window at the airport in my opinion.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My XXXX XXXX XXXX XXXX account will not report to TransUnion. I have called the card issuer and TransUnion. Please report the account in good standing.
Consumer complaint received 2024-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (VA)

In XX/XX/year>, I called MOHELA to check the status of my PSLF. After a long conversation the servicer asked if I wanted to file paperwork to receive a refund for any payments made during COVID forbearance period. I said yes and we went through the process over the phone. I called back several times between XXXX and XXXX. On one of the phone calls, it was discovered the paperwork was never filed, on another phone call, it was shown that it was filed incorrectly. Finally in early XXXX, I saw the balance of my MOHELA accounts increase by the expected loan amount, {$35000.00}. I called back on XX/XX/XXXX to ask about the timeline for receiving the refund check. They said everything had been already been sent out and I need to wait XXXX business days. In XXXX, I called again and the servicer told me the paperwork had been filed on XX/XX/XXXX ( while i was on the phone with them and they told me everything had been filed ) and that I just needed to wait XXXX business days. At this point she says that a check had been mailed according to my account. I call back again in XXXX, servicer says there is no record of a check being mailed, but that the paperwork had been filed. We are now well beyond XXXX business days. My loan has been increased by a value of $ XXXX since XX/XX/XXXX and interest continues to accumulate. However, I have not received any refund check or any assurances that this is being handled correctly. It has been over a year since the initial paperwork has been filed and 6 months with the updated, interest-accruing loan balance. 
I want my check.
Consumer complaint received 2023-05-16
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. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX Balance : {$180.00}, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$750.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX , XXXX XXXX XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2023-05-10
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: EQUIFAX, INC. (GA)

I believe my credit report has been hijacked. I was looking through my records once more when I found numerous things that didn't belong to me. I learned that section 605b of the FCRA requires you to remove and ban any products that are discovered to have been opened as a result of identity theft because I'm a stickler for details. The objects in dispute are not mine. For your review, I've attached the FTC Report that is necessary ( based on additional investigation that both parties requested ). To prevent/remove these files, kindly. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX.
Consumer complaint received 2024-01-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

CHASE bank XXXX proceeded to buy an insurance policy without my consent which is an XXXX  action given the fact that I already have insurance covered by property management in my condominium and given the fact the I provided such information to them, including the documents supporting such insurance policy.
Consumer complaint received 2023-09-29
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: Experian Information Solutions Inc. (NY)

XXXX Credit card was removed per cfpb and then it was reinserted on XXXX. I also have an inquiry from XXXX that I have no knowlwege of or have given permission. By law it has to be removed.
Consumer complaint received 2023-08-21
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. (TX)

I kindly request that you prioritize this matter, thoroughly investigate the situation, and swiftly eliminate these unauthorized accounts from my credit report. Your prompt attention and resolution to this issue are deeply appreciated.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint with these Bureaus a XXXX  ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2022-11-25
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. (NC)

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 U.S.C 1681 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. Stares I have the right to privacy 15 U.S.C 1681 Section 604 A Sction 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 consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crimes which antidotes the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not finish 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 2018-07-02
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

I have attempted modification request with my mortgage lender Wells Fargo ( WF ), recently and was declined for unjust reasons which will be outlined within. Im filing a complaint due to a decline letter dated XX/XX/XXXX, that was received from XXXX XXXX, which represents WF. 
WF, has flagrantly declined any options for my family to retain ownership of our primary residence which was acquired utilizing my Veterans Affairs ( VA ) benefits. According to the decline letter WF, has grossly misrepresented my monthly earnings in an attempt to not work with our family. We feel that this retaliation is also a result in part of a litigation matter that was brought against WF in XX/XX/XXXX. 
The income reflects two different amounts one amount is {$5600.00} and the second is for {$4500.00}. My actual income is just under {$6000.00}. I demand that there be another review in order for us to correctly identify my abilities to repay my loan. I implore your office to reopen a new review and allow us to provide the necessary documentation to reflect our true income as it stands.
Consumer complaint received 2022-11-25
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (CT)

Dear Experian, and XXXX and CFB I am writing to you regarding a discrepancy in my credit report. I have requested proof that two accounts from XXXX XXXX belong to me, but I have not received a response for one of them. All the time I get a response that you verified the information and it's accurate. These two accounts are still showing in my report and affecting my FICO score negatively. also, your report shows both accounts are charged off and yet you are showing payment is due and I have gone over the limit. can you clarify? how charged account payments become due all of a sudden? This is causing me difficulties in obtaining a car loan. 

I have tried to contact you by phone and email, but your call center is closed, and I have not received a reply. I am very frustrated and disappointed with this situation. I need you to either delete the account from my report or provide me with proof that it is mine. Why is XXXX XXXX increasing my credit limits while not verifying my accounts? 

You are my last hope to resolve this issue. Please take action as soon as possible and help me. I need proof that this account is Mine. It has been over 6 months and accounts are not resolved. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. This statute explicitly states that Transunion, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting
entity in my consumer report.

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts.

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness.

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts.

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days.

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2023-03-17
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: CAVALRY INVESTMENTS, LLC (CA)

On XX/XX/2023, spoke with XXXX with Cavalry SPV to make settlement arrangements. Please see attached. On XX/XX/2023, Cavalry negatively reported me to the bureaus.
Consumer complaint received 2020-01-13
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (MD)

On XX/XX/19, I attempted to open an account with BMO Harris Bank online. While signing up, it requests information to fund the account from another institution, and seeks the account information for a transfer. importantly, the screen states that your money will not be transferred until you complete the application process. 

When I went to complete the process all the website did was show me the information I had submitted already. It did not confirm I had completed the application, did not advise whether it was successful, and did not provide any next step in the process., 2 days later, I receive an email telling me my initial deposit of {$6000.00} was successful. Again, no information on how to access my account. To date, I have made no fewer than 11 phone calls. I have confirmed that despite the lack of information, BMO Harris did open an account, and does have my money. Unfortunately, I can not access any of my money because the bank now says it can not verify my identity and does not give out bank account numbers over the phone. In discussions with customer service, they have apologized because the failure to give the bank account number to customers is a " common problem '' they are trying to fix. 

In the meantime, the {$6000.00} transfered from my XXXX  XXXX XXXX account -- without even confirming that I wanted to complete the application or telling me the bank account number -- si now outside of my control and BMO Harris. Bank, will not give me access to my alleged account or my money. I have not ever been given a bank account number.