davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I sent dispute letter to all credit bureau to dispute inaccurate information on my credit report according to the The Fair Credit Reporting Act all information must be 100 percent accurate across all bureau XXXX  XXXX ( XXXX XXXX ) XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) these are some of the item like these that need to be removed
Consumer complaint received 2023-03-27
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: MERCANTILE ADJUSTMENT BUREAU, LLC (TX)

I noticed a collection account on my credit reports for XXXX XXXX which I have never had an account with them. I called XXXX XXXX to report it and they advised me to submit a claim through here. Someone in XXXX Texas used my social security number and a married name I had back in XXXX XXXX XXXX  to open up an electric account and did not pay. The address was for XXXX XXXX XXXX, XXXX, Texas XXXX and the amount is {$680.00} and the collection company is XXXX XXXX XXXX. 

I filed a police report and the report number is XXXX with XXXX XXXX XXXXXXXX XXXX  police department XXXX XXXX
Consumer complaint received 2023-06-17
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)

Upon reviewing my Consumer Reports, I have identified instances of late payments recorded on an account for which I have always made timely payments. It is of utmost importance that Consumer Reporting Agencies fulfill their obligation to accurately report consumer information to the best of their abilities. I would like to draw your attention to the specific account in question : XXXX  with the associated account number XXXX I kindly request a comprehensive investigation into this matter and kindly ask for supporting evidence in the form of statements that substantiate the reported lateness of these payments. In the event that it is not feasible to provide such evidence, I firmly demand that these payments be corrected and updated to accurately reflect their true status as on-time payments. I want to emphasize that I have consistently made timely payments and it is crucial that this information be faithfully represented. 

Thank you for your prompt attention and prompt resolution of this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (MS)

I want to dispute a medical bill of {$370.00} from XXXX XXXX XXXX office, XXXX XXXX XXXX XXXX in XXXX  XXXX, CO. 

I went to see XXXX XXXX on XX/XX/XXXX who just took over the practice at that time for dental cleaning and a minor dental issue : the gap between my teeth and the gum that did not cause any symptoms. I was told it was normal and he examined my teeth and recommended a crown for XXXX of my right lower molars because it might cause problems in the future and I agreed. I had XXXX XXXX XXXX at that time. I was ready to leave XXXX XXXX XXXX XXXX on XX/XX/XXXX for job relocation. I specifically emphasized my last day of work and the health insurance coverage several times with the front desk XXXX and was assured by her that the copay was {$500.00} and my insurance would cover the rest of the cost ( {$500.00} was paid by credit card on that day ). On XX/XX/XXXX, I received a call from XXXX stating that I owed money from their office. On XX/XX/XXXX I received a bill of {$370.00}. I called XXXX and she said that XXXX XXXX XXXX sent me a check of {$370.00}, which belonged to their office. I contacted XXXX and they told me that XXXX XXXX did not join their network until XX/XX/XXXX and that {$370.00} was billed by their office for out-of-network service. I checked my bank account and noticed that their office charged me {$780.00} instead of {$500.00} on that day for copay without notifying me. I had a few phone calls with XXXX. One time she said that she was not the one who took my payment on that day, then next time she said she was ( it was confirmed by her coworker and I know her voice. ) At the end, she denied again and when I asked to speak to the girl who charged me on XX/XX/XXXX, she said that the girl did not work there anymore. She told me that she would send me another bill and if I dont pay, she would send it to the debt collector. 

On XX/XX/XXXX, I received a letter from debt collector, Capital Accounts LLC. I emailed them on XX/XX/XXXX but they sent me another bill.
Consumer complaint received 2017-03-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Deutsche Bank (VA)

I received a private student loan from Deutsche Bank through the Affiliated Loan Program at XXXX University in XX/XX/XXXX. The loan was serviced through XXXX. Due to missed payments, the loan was sent to a collection agency called XXXX. After months of making payments to the collection agency, I was finally able to pay off the account in full in XX/XX/XXXX. I have documentation from the collection agency that the account has a XXXX balance. I was under the assumption that this information would be relayed to the original loan servicer ( XXXX ) and subsequently the original lender ( Deutsche Bank ). Upon receiving an updated copy of my XXXX credit report, the account in question is still displaying a balance of {$1100.00} and is displaying XXXX missed payments for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have worked extremely hard and have had to make some difficult decisions to get this student loan debt behind me and noting I do seems to be working. There has obviously been a major lapse in communication between the three parties listed above. All I want is to do is get my credit in order. Please help.
Consumer complaint received 2024-03-29
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TRANSUNION Report # XXXX XXXX, is listing an Account with negative and derogatory information on my credit report, I am requesting the below listed account be deleted immediately! And removed from my credit report. And opt-out all together from reporting. 
Account number listed as XXXX ACCORDING TO 15 USC 1666 and its entirety IT IS UNLAWFUL TO REPORT LATE PAYMENTS The Fair Credit Reporting Act or 15 USC 1681 section 602 states There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Finally, 12 CFR 1016.7 A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Consumer complaint received 2023-04-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (OK)

I invested in a company called XXXX XXXX ( XXXX XXXX ) and sent initial funding amounts from my XXXX XXXX account in the form of Wire to XXXX 's Wells Fargo bank account. I sent $ XXXX on XX/XX/22 and then another $ XXXX on XX/XX/22. I have the backup to support if needed, as do the other XXXX investors. 

Around XX/XX/22 it was discovered by XXXX investors that XXXX was a fraud, and we took action to call the FBI, SEC, and local Attorney Generals. The SEC has now formally charged XXXX 's creator, and I've added the SEC link below. XXXX XXXX created a Ponzi Scheme and XXXX investors were part of it. However, the banks involved did not protect the consumer from fraud and there were many ways which they could have prevented the {$4.00} million in losses. 

I have filed two complaints with CFPB to Wells Fargo, and both were rejected. I can't get anywhere with Wells Fargo and they refuse to cooperate. Unfortunately, no current legal action has been taken against the banks. They did not protect the consumer and I would like the CFPB to step in and take action on the investors ' behalf. 

Wells Fargo, XXXXXXXX XXXX, and XXXX XXXX XXXX  all accepted wires for XXXX XXXX, which is now charged as a Ponzi Scheme by the SEC. These banks did not perform proper due diligence on the accounts they created for XXXX XXXX or XXXX XXXX, did not examine the line of business and legitimacy behind the company they created an account for, they did not flag the various large dollar value transactions to put a hold on the account ( until it was formally required to do so under investigation ), but most notably, these banks did not protect the consumer from fraud. Protecting the consumer has been reiterated multiple times in prior cases the CFPB has ruled on, as being the primary purpose of the board 's existence. 

In three prior cases I've found ( XXXXXXXX XXXX, XXXX XXXX, and XXXX XXXXXXXX XXXX ), each case ends with an overall delivery stating that it's the banks ' responsibility to protect consumers. Banks are being held accountable for turning a blind eye to fraud, and ultimately not protecting the consumer, both of which are truths from the XXXX case. I've attached my letter to an attorney. I have not found an attorney to take on a class action against the banks, mainly because most of them already had pending litigation vs Wells Fargo. 

I'm turning to the CFPB to assist the XXXX  investors and charge these banks for their part in the XXXX Ponzi Scheme. 

XXXX XXXX XXXX
Consumer complaint received 2022-11-23
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. (NV)

n accordance with the Fair Credit Reporting act 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 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
Consumer complaint received 2022-12-22
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (NJ)

I became 100 % XXXX rating with the Veterans Affairs and am now property tax exempt. I submitted all required paperwork to have my mortgage loan adjusted accordingly. Once doing so, I was advised that it would take 5 business days for an escrow analysis to be completed. Once completed an escrow refund was to be sent. It has been two months with no resolution. I have called countless times, spoke to countless employees and supervisors and each one gives me false information or countless excuses. I was advised not to pay this months mortgage due to these funds being adjusted, it is now late and have a missed payment. Please help me get my funds returned to me.
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: Paypal Holdings, Inc (GA)

I get my direct deposit from my job and my income taxes they froze my account and wont allow me access to funds they give me no reason as to why my account was forced or close let but I dont not have access to my funds
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm experiencing distress, dissatisfaction, and XXXX due to the recent updates in my credit report. Despite consistently making timely payments, there are now late payment remarks on certain accounts. I have not missed any payments, and it's crucial that this issue is rectified urgently. I need your assistance to ensure that my credit report accurately reflects all payments made on time, ensuring its complete accuracy.
Consumer complaint received 2022-12-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

My XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX. Im the trustee of the trust account at Chase bank. They refuse access to her XXXX social security check and have even refused to return it to Social Security when they asked XXXX for it back. I also have a XXXX XXXX XXXX in the trust name that matured in XXXX. They refuse to cash it out. Ive been to XXXX separate branches for help and have received none. It actually took me XXXX XXXX before they would allow me access to the checking account.
Consumer complaint received 2023-05-30
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: Ingo Money, Inc. (WI)

On XX/XX/2023 I was sent a check in the mail for the amount of {$700.00} dollars i then tried cashing it through my bank I had called INGO Money Inc to see if the check was fully processed through they had mentioned that it was then processed through. 
The check that was sent to me was from my previous finance company. 
I then sent the check through on Ingo money inc and they had processed it through I then did not receive the full {$700.00} dollars there was over {$30.00} removed from the previous amount given. 
I am writing this to inform that I was not expecting for them to deny the check later on and why would they process the check and tell me it went through and deposit my funds I don't think I should be charged for the fact that i called to make sure it had went through and I was told yes then to know later on was denied. 
If there is any way I could dispute this transaction and not be charged for it may I be contacted. I fairly think this debt should not be charged to my credit
Consumer complaint received 2018-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XX/XX/2018, I received a letter from BOA indicating my {$25000.00} credit line was being reduced to {$14000.00}. 

Because I understand the ramifications of that action upon my FICO score relative to the current balance on the account ( {$13000.00} ), it would show that I was Maxed out on utilization of credit : a negative impact to me, whether BOA states in their letter they have nothing to do with FICO, their actions do! 

In our attempt to pay down our balances, we moved ours to BOA because it offered a lower interest rate, and for two years have successfully been lowering our debt accumulated with XXXX children. 

I was making some real progress, picking up odd jobs and then boom, my husband, unknown to me, made 2 mistakes : missing a payment, and then posting the payment to a closed BOA account we had. As a result of these delinquencies now - even though he made a payment ( technically ) after missing that one - they made this decision to lower my limit. That changed my utilization percent of debt from a 50 % to a 96 % use rate - which impacts me negatively on the credit report. When I called to explain all that I found out : the payment made to the wrong account - that resultant effect to them showing 2 delinquencies which really was not - husband just posted incorrectly - and subsequent reduction of limit - causing a negative impact to my credit score which would negatively impact me - asking they reinstate it - the man on the other end of the phone, rudely stated that it was my responsibility to pay the bill. His name was XXXX on the enclosed docs. I have personally been the XXXX to my mom with XXXX for the last year and XXXX children, 4 dogs, 6 cats etc. This is why my husband pays the bills. He is the income and maintains the knowledge of what needs to be paid when. I had all this going on which I explained to XXXX, further explaining that my only concern was the result of their decision on my credit report/and score/and skewing the utilization %. He didn't care. Said they had nothing to do with FICO. But they do. They absolutely do. They make decisions based on small mistakes consumers make and don't care when you point out that the payment was sitting in the incorrect account. They fixed it and moved it, once I pointed it out to them, but were unwilling to address my real concern which was the change in my debt utilization % due to their decision to reduce my credit limit, which I was not even using, due to our efforts to pay off our debt.
Consumer complaint received 2022-11-23
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. (NV)

n accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXXXXXX account # XXXXXXXX XXXX XXXX account # XXXX Transunion XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account XXXX xxxxxxxxxxxx XXXXXXXX XXXX XXXXXXXX account xxxxxxxxxxxx XXXX
Consumer complaint received 2017-02-28
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IL)

In XXXX of XXXX a fraudulent application for a loan was made with my personal information online. One main financial contacted me by phone to ask me to come into their office to fill our paperwork to complete the process. I informed them that I did not apply for a loan with them in XX/XX/XXXX. 

The person I spoke with said they would stop the loan process. They also informed me that I needed to send them a letter so they could delete the fraudulent inquiry from my credit report. I sent the letter to them in XX/XX/XXXX. 

They sent a letter back basically saying because it was an online application that they would not delete the inquiry. That makes no sense. I told them it was not me at the time this happened. My credit is suffering because of something I had nothing to do with. 

I am attaching my initial letter to them - their response letter - and a notice from XXXX where I alerted them that this was not me applying for the loan online.
Consumer complaint received 2023-05-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (PA)

I was contacted by Rocket Mortgage about my existing loan with them. I had a lapse in insurance coverage on my homeowners because I was switching companies. At the end of XXXX ( XX/XX/26 ), I contacted Rocket Mortgage due to a charge of over {$400.00} for a month of homeowners insurance showing on my statement. At that point, I spoke to their representative named XXXX and XXXX and myself had a 3 way call with my new insurer at XXXX ( agent is XXXX XXXX ). Once on the 3 way call, XXXX told us that since there was a lapse in insurance, all we would have to do is upload a statement of no loss to their portal ( Mycoverageinfo.com/agent ) in order to get that charge removed. We did so that same day. 

Now over a month and 3 more calls later, my agent and I are being told that the statement of no loss will not suffice, and I'll be stuck paying over {$400.00} for insurance I never agreed to and was told would be removed.
Consumer complaint received 2023-05-30
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: FAIR COLLECTIONS & OUTSOURCING, INC. (MS)

My information was impacted negatively by the XXXX XXXX XXXX. It has caused much agony and pain. It has destroyed my credit, I need items removed immediately from my consumer report or i will move forward with litigation and reporting to XXXX States Attorney General, and file a federal lawsuit for the improper use of my credit report agony with the anxiety, stress and depression this has caused me.
Consumer complaint received 2021-05-12
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: CL Holdings LLC (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2023-03-23
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: Advantage Credit, Inc. (SC)

Company that identifies itself as " Advantage Credit , Inc. '' in Colorado keeps pulling hard inquiries on me for three ( 3 ) consecutive months in 2021 ( XXXX, XX/XX/XXXX, and XX/XX/XXXX ) even though I did not apply for a loan, had no mortgage applications, no Auto loan applications, no Credit card applications, no Student loan applications, no Personal loan applications, or no Apartment rental applications during that time frame. It is unknown to me why this occurred unless it is a case of identity theft attempts or unauthorized attempts by others to access my credit information.
Consumer complaint received 2023-05-15
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: EQUIFAX, INC. (VA)

I have repeatedly asked for Equifax to to fix the XXXX report of my car being discharged in bankruptcy, I paid my car in full, my bankruptcy did not include my automobile and was paid off in full.
Consumer complaint received 2023-05-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

Hello, XXXX XXXX XXXX, I can't add anew bank withdrawal balance to my XXXX account. I have called the customer service representative many times, but the problem has not been resolved. Please help me, thank you! 
" I am now linked with a new bank, prompting that mobile phone verification is required, but the verification page does not display my mobile phone number, so I can not complete the mobile phone verification and the new bank can not be linked ''