davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-17
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. (NY)

- 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. 
XXXX Account XXXX has violated my rights. 
- 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 if of information, Other than the record of conviction of crimes which antedates the report by more than 7 years - 15 U.S.C 1681-2 ( A ) ( 1 ) A person shal not furnish any information relating to consumer to any consumer reporting agency if the knows or has reasonable cause to believe that information is in accurate Equifax XXXX XXXX and XXXX Call 3 reporting agencies falsely reported on my credit report they reported an an accurate balance on a repossessed vehicle not including the price that they auctioned off the vehicle for resulting in my credit report showing false numbers my debt owed I have proof from the lender that the balance is in accurate on my credit report which I will include in my complaint On the XXXX XXXX letterhead page it clearly shows my remaining balance is XXXX meanwhile all three credit bureaus are reporting my current balance as XXXX Also this account name is in proper this account name should be listed as a credit sales agreement due to the fact that the dealership did not give me a loan directly they sold it then the highest bidder approve me of the loan Also the original balance is clearly XXXX When all three credit bureaus or falsely reporting it as XXXX
Consumer complaint received 2020-01-13
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. (TX)

On XX/XX/XXXX, I visited XXXX XXXX for a tour. I was asked to sign a few documents before the tour, and I was asked for a debit card, and ID prior to the tour for what they claimed was " Insurance Reasons ''. After the tour, I was charged {$250.00}, and the same day I filed a claim with my bank. Since then, I've contacted the company in question and they claim I need to request a cancelation, and it takes 30 days after the cancelation request for it to be in full effect. They claim I would need to pay that initial fee, and then one month of service, then it could be cancelled. I tried to request a block on payments from that company, but my bank claimed that was not possible. The next month I called, and asked again, after another payment had been taken out, and they finally did block payments from that company. That was after 3 months of charges. Yesterday, on XX/XX/XXXX the chargeback was reversed, which put me in the red, and I am now expecting at least 2 overdraft charges. According to my bank they aren't willing to move forward with this anymore. Hence being here.
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (NC)

US Bank reported that my XXXX payment was never made and in fact showed 60 days late when the car was paid off by XXXX XXXX and I have supporting documents from XXXX XXXX to show the payoff. If XXXX XXXX failed to payoff the vehicle to US BANK that isn't my fault ; and I was told by US BANK in XXXX this would be handled. This now is still on my credit report and has now caused me to delay my home closing which I'm incredibly annoyed by. I would like this removed immediately.
Consumer complaint received 2022-11-17
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. (NY)

- 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. 
XXXX Account XXXX has violated my rights. 
- 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 if of information, Other than the record of conviction of crimes which antedates the report by more than 7 years - 15 U.S.C 1681-2 ( A ) ( 1 ) A person shal not furnish any information relating to consumer to any consumer reporting agency if the knows or has reasonable cause to believe that information is in accurate XXXX Trans Union and XXXX Call 3 reporting agencies falsely reported on my credit report they reported an an accurate balance on a repossessed vehicle not including the price that they auctioned off the vehicle for resulting in my credit report showing false numbers my debt owed I have proof from the lender that the balance is in accurate on my credit report which I will include in my complaint On the XXXX XXXX letterhead page it clearly shows my remaining balance is XXXX meanwhile all three credit bureaus are reporting my current balance as XXXX Also this account name is in proper this account name should be listed as a credit sales agreement due to the fact that the dealership did not give me a loan directly they sold it then the highest bidder approve me of the loan Also the original balance is clearly XXXX When all three credit bureaus or falsely reporting it as XXXX
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

2019/XXXX/XXXX  Received letter dated 2019/XXXX/XXXX, stating " We have received a request and added to your credit report an Extended Fraud Alert. '' 1.  WHO/WHAT/WHEN/WHERE/HOW requested to ADD the fraud alert? I have actually called numerous times to REMOVE, not add. 
2. Provide US based customer service direct phone line, not some generic line where there is no way to talk to humans. Provide 2 names and phone numbers that I can reach directly.
Consumer complaint received 2019-05-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (VA)

The problem is excessive phone calls from a debt collector. 

XX/XX/XXXX I was contacted by Diversified Consultants, Inc. concerning an outstanding loan from XXXX. The loan balance now is {$1500.00}. I started making payments of {$30.00} a month XX/XX/XXXX. I was in formed by DCI that if my payments were not secure tbey have the right to call me either everyday or every month. I declined the offer. 

Each month I was asked for permission to access my account and I would decline. In XX/XX/XXXX I made my payment and was asked again. I declined. XX/XX/XXXX i started receiving calls from DCI when the phone would ring 1, 2, 3 times and the party would hang up. Below is the list of dates and times of calls : XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX  XXXX. XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX. XXXX, XXXX XXXX XXXX  On XX/XX/XXXX, i called DCI about the calls and a male introduced himself as a manager. I told him the problem and he repeated that they have the right to call me because my loan is not secure. I then asked if it was part if their policy to let the phone ring and hangup. I then hung up. 

I understand their having the right to call but it is harassing to call the way they are calling.
Consumer complaint received 2022-11-17
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: Experian Information Solutions Inc. (LA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-20
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: Bread Financial Holdings, Inc. (NY)

XXXX credit card account was transferred from XXXX XXXX XXXX to comenity bank on XXXXXXXX XXXX. I never received notification of this change and never received my credit cards. I found out because my old card was denied. When I called on XXXX I was told I would receive my new cards soon. After calling weekly and only being able to communicate through instant message I finally had enough lies and paid my bill over the phone and canceled the card. A week later I got a bill in the mail. I had to call to make sure I didnt owe anything. This company was the worse I have ever dealt with. I had three people a week apart tell me not to worry my cards were in the mail. I dont know where said cards are. The bill was paid in full and account canceled. I am not assured that I wont get another bill from them but I have kept all electronic communication with them in case I need to see a lawyer. Unethical company
Consumer complaint received 2017-05-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I received a letter from my bank  ( bank of America ) saying the y will be closing my  XXXX  business accounts in 51 days from the letter. No reason given. I have also tried to contact other banks and asked about opening new accounts and been told no they do n't handle my type of accounts. I own an   XXXX   XXXX  , so I have about  XXXX  atm machines located in various gas stations, bars, stores  ect.  I need the business account to get the ach deposits everyday and then I withdraw money to load back into the machines. This is a legal business and there are millions o f atm machines ac ross the country, most are privately owned like mine. How can banks refuse a legal business? I do n't know what to do and I 'm at risk of losing my house and everything in 50 days. This is not right.
Consumer complaint received 2022-11-17
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. (SC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX : {$100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$690.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NY)

Transworld system is reporting this Alleged collection account-XXXX as if its unpaid when it should be deleted because we agreed upon pay for deletion years ago, This is hurting my credit score at a crucial time when the Criteria for getting apprived is now XXXX and  above because of corona virus
Consumer complaint received 2017-05-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CO)

This is a follow-up to a previous complaint with your agency. That complaint # is  XXXX . I had a mortgage on my home serviced by   XXXX   XXXX    based in  XXXX , FL, at the time that m y HOA file d a foreclosure suit against me over disputed  HOA  fees. Within days of this occurrence,   XXXX   sold the loan to a company called Green Tree Servicing, which has since changed its name to  Ditech. Ditech  is my current loan servicer. The summary of my dispute is captured in a letter I sent to  Ditech  dated  XXXX   XXXX ,   XXXX  , which is the last of several letters I wrote to them. I include it as an attachment below. I never received a response to this letter, and so I assumed the matter had simply gone away. However, starting in  XXXX    XXXX  , I saw on my mortgage statement that there was a separate charge of {$80.00}. I thought this had something to do with the escrow shortage. I finally call ed Ditech  a week ago to find out exactly what this charge is. I now discover it is to cover the legal f ees that I had disputed in my earlier complaint and that I continue to dispute. In other words, Ditech is tacking this extra charge on to capture these fee s which I contend should never have been incurred in the first place. So in fact, my complaint has still not been resolved to my satisfaction. They simply decided to ignore this last letter dated  XXXX / XXXX /  XXXX  !
Consumer complaint received 2017-05-12
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: VW Credit, Inc (CA)

I have a diesel VW that is part of the VW Buyback settlement. I have an appointment at VW  on   XXXX   XXXX   to turn in  the vehicle and receive the buyback for early lease termination. VW  of America-  XXXX  My monthly lease payment is due on   XXXX   XXXX    (  3 days before I 'm turning in the car ), and I called VW credit to ask for a grace period, explaining that I have the appointment ( and can not get one sooner ), but they will not waive the payment. VW  XXXX   XXXX  I do not think it 's fair to have to pay for a month if I only have the car for 3 days during that payment period.     The  VW   XXXX   XXXX   XXXX   XXXX  says that I " MAY '' get a refund from VW Credit, but nobody can guarantee anything.
Consumer complaint received 2022-11-22
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. (GA)

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. 

XXXX : XXXX, XXXX XXXX XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX has violated my rights. 

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 an 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 2023-01-09
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. (LA)

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 2021-08-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

I am currently in the forbearance program with mr Cooper mortgage. I am the successor in interest on the estate & I reached out to ask about the COVID advance FHA assistance. I was informed that this is not an option for me because they dont have it. I am also being told that I will need to pay the amount in a lump sum & have received no help with getting back on track. I am able to make the regular monthly payments but they will not allow me any type of help on this & I am also being told that they will not work with moving some or all of the payments to the end of the loan
Consumer complaint received 2023-08-17
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. (NV)

I called your department after I purchased a credit report with XXXX on XXXX. 
After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were COLLECTION and CHARGE OFF and COLLECTION accounts on my credit report. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off and collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off and collection, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (CA)

I saw a chime advertisement that said they cash checks. After I gave them all my personal information and made an account I was informed that they do not cash checks unless I set up a direct deposit. 

I then called to complain and tell them that my account was created under false pretenses and I feel like I was defrauded. I then asked for my account to be deleted and all my personal information be deleted. 

They told me it was deleted, but I received a debit card in the mail... 

They still have my personal information, and I'm not sure if my account was even closed.
Consumer complaint received 2022-11-17
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. (FL)

I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (AZ)

There was no place to dispute wells fargo response to the recent complaint  XXXX .  Wells fargo     submits documentation to cfpb known to be fraudulent .wells fargo submits documents fabricated and post dated, if dated, that have forged signatures and fraudulent notary. wells faro now submits a fraudulent lost note affidavit. Notice the numbered paragraphs jump fro m 3 to 5. The re is a well documented history of correspondence to fbi, attorney generals, department of financial institutions, and many others regarding wells fargo fabricated fraudulent documentation for this heloc account.wells fargo scanned copies of the heloc file  XXXX   XXXX ,   XXXX  . Which was provided to regulating entities,  governmental agencies, legal counsel and others. Wells Fargo co ntinues to supplement the heloc documentation with fabricated documents known by wells fargo to be fraudulent..    Wells  fargo continues to commit blatant illegal acts. wells fargo insults the cfpb, the attorney generals and the deparment of justice settlements, consent orders, criminal laws. Truly wells fargo is above the law.   Consumers are forced to incur legal fees to file legal cases to prove the obvios fraud. I can prove wells fargo has fabricated documentation to commit fraud upon me, the cfpb, and the court.
Consumer complaint received 2023-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I filed two disputes first on XX/XX/2023 for {$200.00} and second dispute was on XXXX was told that it may take up to XXXX to hear a response and that the merchant has XXXX to respond however it is now XX/XX/2023 and I have had no update and Im being to that the merchant has until infinity to respond in addition I was told no credit has been issued even though the merchants have not responded to confirm nor deny the legitimacy of the disputes because i have more than eight disputes as a customer to the bank that has many issues I want to be fairly treated Ive never been explained nor told there is a limit on legitimate disputes and I basically cant file a dispute even if Ive been a victim of theft or fraud