davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-11
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. (NY)

, there is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be BLOCKED and DELETED. My request to block is not being made in error ; nor is my request to block is being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
The identified transactions are not information related to any transaction by me as the consumer. 

Based on 15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of 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 the receipt It has been 30 days and you are in violation of this law because I am a victim of identity theft! please delete these items as soon as possible! 

These accounts and inquiries should not be furnished on my consumer report as they are in violation!! Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. 
I never gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PLEASE DELETE THESE ACCOUNTS IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX PLEASE FCRA law 15 USC 1681 I have not given written permission to put anything on my credit profile have violated me pursuant to 15 USC 1681 B the permissible purpose of Consumer Reports you have no permissible purpose by law to contact third parties with my private and personal information your offenses amount to aggravated identity theft pursuant to title 18 USC felony punishable 1028A in addition to civil liability up to {$1000.00} per violation you are also in violation of 15 USC 1692 my instructions are for you to delete these accounts immediately. 
PLEASE AND THANK YOU.
Consumer complaint received 2023-07-07
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. (GA)

Requesting to dispute information as a result of identity theft. The following accounts are not associated with my personal information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/year>, I opened a Premier Account with Wells Fargo Bank in response to a promotional offer. The terms of the offer required me to deposit {$250000.00} within 45 days and maintain the balance for 90 days to qualify for a {$2500.00} bonus. I complied with these requirements by depositing {$250000.00} into my Wells Fargo accounts on the same day of opening, with {$200000.00} allocated to a Treasure Bill Account and {$50000.00} to a Certificate of Deposit ( CD ) Account. 
Despite fulfilling the conditions of the promotional offer, I was informed on XX/XX/year>, that my accounts were at risk of closure due to an issue with a check deposited from a credit union. Following the advice of my bank manager, I obtained a check deposit verification from the XXXX XXXX XXXX XXXX XXXX  on XX/XX/year>, to prevent the closure of my Premier Account. However, to my dismay, Wells Fargo closed my Premier Account on XX/XX/year>, citing the initial check deposit as a non-sufficient funds ( NSF ) check. 
Subsequent inquiries to Wells Fargo customer service failed to provide a satisfactory explanation for the closure of my Premier Account while my CD and Treasure Bill Accounts remain active with the full {$250000.00} intact. This inconsistency has caused confusion and distress, as I am left without access to my funds and deprived of the {$2500.00} bonus to which I am entitled. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly and intervene on my behalf to ensure a fair resolution. Specifically, I seek clarification on the closure of my Premier Account, reinstatement of the account with full access to funds, and fulfillment of the promotional bonus offer as originally advertised. 
Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue.
Consumer complaint received 2024-04-26
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (NV)

I am writing to file a formal complaint and express my deep concern regarding the handling of an unauthorized transaction on my account, denial of my claim, and unfair treatment by your institution. 

I discovered an unauthorized transaction on my Comenity Bank account for a purchase at XXXX the XXXX XXXX. I immediately opened a claim with Comenity Bank to dispute the transaction, as I did not authorize or make the purchase in question. 

However, to my dismay, Comenity Bank denied my claim and held me responsible for the unauthorized balance. This decision is unjust and unacceptable, especially considering the circumstances of the transaction : 1. **Unfair Denial of Claim : ** Comenity Bank denied my claim without providing clear evidence or conducting a thorough investigation. The reason given by your supervisor, that my social media photos showing me wearing a ring were used as evidence against my claim, is highly discriminatory and violates my consumer rights.

2. **Lack of Evidence and Investigation : ** I demand that Comenity Bank provide clear and concrete evidence of their investigation into the unauthorized transaction. Merely referencing my social media photos, particularly ones from years ago, as grounds for denial is insufficient and arbitrary.

3. **Retaliation and Account Blocking : ** Furthermore, I believe that Comenity Bank 's decision to block all my accounts without valid reason is retaliatory and punitive in nature. As a loyal client of Comenity Bank for XXXX years, I have always provided identity verification when required and have never had issues until now.
Consumer complaint received 2023-09-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo does not respect or honor the funds of its customers like it regards its own money. This bank would still expect to be reimbursed for this money if it were their money. Wells Fargo would never just let someone keep the bank 's {$4000.00} regardless of how long or where the other party had possession of it. 

Several of my bank accounts and other online accounts have been hacked over the past 3 years or so by the same people. There were several charges that should have been credited as I complained shortly after they occurred in XXXX, XXXX, XXXX, XXXX, and XXXX. My other banks investigated and took care of the credits to my accounts. But Wells Fargo said they would look into the issue and get back to me. But nothing ever happened. When I went into the bank in XXXX they said they filed another complaint. However, they denied my claims. Still several outstanding charges remain unpaid. I want Wells Fargo to credit my account for the over {$4000.00} in unpaid claims for fraudulent charges occurring in 2022. This has become an urgent situation now.
Consumer complaint received 2023-09-11
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. (TX)

Dear Consumer Financial Protection Bureau, I am writing to formally dispute certain information on my credit report based on my rights under the Fair Credit Reporting Act ( FCRA ). The specific sections I am referencing include : 15 USC 1681 Section 602 - This section establishes my right to privacy. The information being reported violates this right as it inaccurately represents my financial behaviors. 15 USC 1681 Section 604 - According to this section, a consumer reporting agency may not furnish a report without my written instruction. I have not provided such instruction for the items I am disputing. 15 USC 1666B - This section states that a creditor may not treat a payment on a credit card account under an open-end consumer credit report for any reason. The items I am disputing seem to violate this provision. The following items on my credit report are inaccurate and need to be addressed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ask that they be corrected on my credit report. If these items are verified, I request written documentation that confirms their accuracy. Thank you for your attention to this serious matter. I trust that the CFPB will ensure my rights under the FCRA are upheld and that this dispute will be handled with the urgency and seriousness it deserves
Consumer complaint received 2023-07-07
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. (AZ)

I hope this message finds you well. I am writing to seek your assistance regarding an issue with my credit report, specifically related to a business credit card account from XXXX XXXX XXXX XXXX XXXX 

This business credit card account is incorrectly being reported on my personal credit report, even though I have never personally guaranteed this card. As per standard reporting practices, a business credit card should not appear on a personal credit report unless the individual has personally guaranteed the card, which is not the case here.

Furthermore, this account is incorrectly being reported as 'charged off ' on my credit report, which is inaccurate. The account has been carrying this status for an extended period, which is adversely affecting my credit score. 

I kindly request your immediate intervention to rectify these inaccuracies. I am seeking the removal of this business credit card account from my personal credit report as its presence and reported status are both incorrect and damaging to my credit standing. 

Thank you for your prompt attention to this matter. 

Best regards, XXXX XXXX
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. 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 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (NV)

I am writing to file a formal complaint and demand action against Nordstrom Credit Card regarding fraudulent activity and inaccurate reporting that has severely impacted my financial reputation. 

My Nordstrom Credit Card was used without my permission, despite my belief that the card had a XXXX balance. I did not receive any statements from XXXX until I was notified by credit bureaus that XXXX had reported a late payment on my credit report. This unauthorized use of my card resulted in significant consequences : XXXX. XXXX opened a claim and refunded the fraudulent amount. However, they failed to refund the associated late fee, which was a direct result of the fraudulent activity. 

XXXX. Despite acknowledging the fraudulent nature of the transaction, XXXX has continued to report the account as late on my credit reports. This inaccurate reporting has led to a reduction in my credit limit with XXXX and the closure of more than XXXX credit cards by other financial institutions, as well as reductions in credit limits across various accounts. 

These actions by XXXX have had a severe and unjustified impact on my financial standing and reputation.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc. (NJ)

Through my list of CFPB complaints ; I have documented the lack of communication, the continued misrepresentation by the investment group owning my mortgage debt separated from the accelerated mortgage, and the ongoing predatory lending practices that are illegal under The Racketeer Influenced and Corrupt Organizations Act ( RICO ). I have continued to work on a loan modification program. 

Instead, the investment organization has stonewalled all efforts for me to work out a modification plan through the banking institution Mr. Cooper. My complaint against these practices are XXXX, XXXX, XXXX, XXXX, XXXX. Upon completion of the requested loan modification package, I requested the application as I was told to complete the MAA ( Mortgage Assistance Application ) from their website. Once completed and submitted, I was later told it was the wrong form and asked to complete the MHAP ( Making Home Affordable Program ). 

After I have finally provided all updated income and requested explanations to identify all sources of income, Mr. Cooper has blocked all access to my loan modification process using the MHAP application package. This tactic is misleading, unfair, and creates a false sense of hope to maintain a primary residence for which I worked extremely hard to develop about 50 % of equity in the primary residence. Their practice of accelerated mortgage allows them to act as a predatory lender, XXXX, to steal all of my built up equity in the foreclosure process. 

As part of my complaint, I had to break one file into two pieces
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-04-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

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 2023-07-07
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. (FL)

Please see unverified account listed below is still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Please see below the account that is still showing on my report. 
XXXX XXXX XXXX
Consumer complaint received 2023-09-12
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: JPMORGAN CHASE & CO. (GA)

XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX JPMCB CARD XX/XX/2023 XXXX I disputed these inquiries because I do not recognize them nor did I authorize them!
Consumer complaint received 2023-09-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (NJ)

On several occasions, I have asked them when is my funds going to be available. I requested that I had bills that needed to be paid. Currently, my phone in off. I am 3 months behind in rent, need my storage unit to be paid, XXXX XXXX renewal. I couldn't pay for my car to be fixed so I had to let it go. Information that I provided on XX/XX/XXXX, I will submit a copy. Today, XX/XX/11, I sent to their email on XXXX. Since my funds on low I was unable to print out those emails to put on PDF 's. I will be evicted at the end of this month.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the listed erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$28000.00}
Consumer complaint received 2023-07-07
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)

My previous student loan servicer ( XXXX ) has turned my student loans over to Dept of EDXXXX. I have disputed inaccurate items on my credit report. However, they are reporting these items as accurate. I have an XXXX XXXX XXXX account on my report with a last report date of XX/XX/23. These actions violates ( FCRA ), 15 U.S.C. 1681