davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (OK)

I HAVE REPEATEDLY FORWARDED TO WELLS Fargo FORECLOSURE DOCUMENTS THAT I HAVE IN POSSESSION THAT CLEARLY IS A PERFECT EXAMPLE OF " ROBO SIGNING. '' ESSENTIALLY, UNSIGNED NOTICE OF FORECLOSURE DOCUMENTS. IN THE MOST RECENT LETTER RECEIVED ( DATED XX/XX/XXXX, XXXX ) BY WELLS FARGO, THIS COMPANY STATED " WE FOLLOW ALL APPLICABLE FEDERAL AND STATE REGULATIONS WHEN SERVICING ACCOUNTS AND RESPECTFULLY DENY THE ALLEGATIONS OF ROBO-SIGNING AND THAT THE FORECLOSURE WAS NOT HANDLED LEGALLY AND CORRECTLY. '' IN THIS SAME LETTER THE FOLLOWING STATED " WE DENY YOUR REQUEST FOR COMPENSATION. HOWEVER, WE WILL CONTACT YOU IF CUSTOMER REMEDIATION APPLIES TO YOU WE HAVE ALREADY COMMUNICATED WITH MANY OF THE COSTUMERS WHO MAY HAVE BEEN IMPACTED BY THE MATTERS COVERED IN THE SETTLEMENT, AND THOSE EFFORTS ARE ONGOING. '' MY CONCERNS : I AM APPALLED AT THE FALSE ROBO-SIGNING DENIAL ATTESTATION AS STATED ABOVE BY WELLS FARGO. 

I HAVE NOT BEEN CONTACTED WITH REGARD TO ANY CUSTOMER REMEDIATION AND THEIR STATEMENTS IS VAGUE. 

WELLS FARGO DID NOT ANSWER A PREVIOUSLY ASKED QUESTION IN MY PREVIOUS COMPLAINT AS THE WHETHER OR NOT DID WELLS FARGO PROVIDE CUSTOMER REMEDIATION OR FINANCIAL REIMBURSEMENT TO ANY CUSTOMER WHO LITIGATED THEIR CLAIM IN A COURT OF LAW. 

WELLS FARGO STILL JUST REGURGITATE ACCORDING THEM THAT SENSE THE COURT DENIED MY CLAIM THEY ARE NOT RESPONSIBLE FOR " ROBO-SIGNING '' WHICH IS AND STILL IS ILLEGAL. 

ROBO SIGNING WAS ILLEGAL ACCORDING TO LAWSUIT BROUGHT AGAINST BY " CFPB. '' I STILL ELIGIBLE DUE TO WRONGFUL ROBO SIGNED FORECLOSURE DOCUMENTS. 

XXXX XXXX XXXX XXXX FORECLOSURE PROPERTY ADDRESS : XXXX XXXX XXXX, XXXX, NJ XXXXXXXX XXXX XXXX
Consumer complaint received 2023-08-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 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.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. 
XXXX XXXX XXXX XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. 
I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXXXXXX XXXX  XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XXXX  | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX  | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 



Sincerely, XXXX XXXX
Consumer complaint received 2017-09-09
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. (AZ)

Equifax was responsible for inadequately protecting consumer personal information, and increased my personal vulnerability to fraud as a result of my personal sensitive information being exposed along with millions of others from XX/XX/XXXX thru XX/XX/XXXX of this year..
Consumer complaint received 2023-01-04
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. (AL)

TransUnion has not updated my report like XXXX requested them to last year. The company reached out to me and stated they have sent updated info to the credit bureau. My account was never late was paid as agreed.
Consumer complaint received 2017-05-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CA)

Chase bank had charged me excessive fees for no reason. I was charged  XXXX  dollars in fees for  XXXX  transactions that never hit my account. I never had knowledge of it until i saw a  XXXX  dollar return item fee on my account. Other than that there was no pending transaction for the amount they returned. They did not give me a chance to pay it or dispute it for accruacy. Chase bank also charged me for a charge that was paid the same day it hit my account before the cut off time of  XXXX  EST. I want the fees reversed!
Consumer complaint received 2023-03-07
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: EQUIFAX, INC. (CA)

I sent a letter off on XX/XX/2023. Here is my tracking # XXXX. To remove personal information that I don't not want on my credit report. According to the fair credit report act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institute is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2023-01-04
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. (OH)

In accordance with the Fair Credit Reporting act U S DEPT of ED/XXXX Account 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 a account without my written instructions
Consumer complaint received 2023-01-04
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. (NY)

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MYNAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (GA)

Truist bank held my insurance check for seven days after I made the deposit into my account. The date of the deposit was XX/XX/XXXX. The contractor ( XXXX XXXX XXXX ) has been waiting for the payment since XXXX XXXXTruist bank cashed my deposit check and place the funds in the hands of the branch manager ( XXXX XXXX ) she signed the check and cashed it, then sent the monies back to the blanket company ( XXXX  ) to reissue the check. The payment is not found.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

mailed my info and a copy of the unauthorized, incorrect and incomplete account ( s ) numbers and amount ( s ) stated on my credit report to all three major credit reporting agencies disputing the correctness, completeness and authorization of the account ( s ). I did get a response within thirty ( 30 ) days. They stated they could not find my account ( s ) and therefore could do nothing about the disputes. i rechecked my credit reports from all three credit reporting agencies and nothing has been changed. i have gone back again and started more disputes online again. The information on my credit reports are inaccurate, incomplete and as well as unauthorized. The companies reporting the information on my credit reports to the credit reporting agencies i have NEVER done business with and DO NOT have my authorization for anything! The information that is being reported is incorrect! I want the unauthorized, incomplete and inaccuracies removed immediately!
Consumer complaint received 2023-08-14
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FC HoldCo LLC (PA)

I kindly request your adherence to the Fair Credit Reporting Act ( FCRA ), a pivotal legal framework established to safeguard the rights of American consumers with respect to credit bureaus. In consideration of this regulatory context, I humbly implore XXXX to undertake the necessary actions to omit the following account details from my credit report : Account Details : Account Name : FLAGSHIP CREDIT ACCE Account Number : XXXX Original Creditor : Company that Acquired the Account : Date of Account Opening : XX/XX/XXXX Account Status : Closed Last Status Update : XX/XX/XXXX Account Type : Installment Status : Charge-off Balance : {$12000.00} Balance Update : XX/XX/XXXX Original Balance : Monthly Payment : {$0.00} Past Due Amount : {$12000.00} Terms : 1 Month Responsibility : Individual Account I emphasize that the account information attributed to XXXX XXXX was not prepared or generated by me. As outlined by the FCRA, which underscores the importance of maintaining the accuracy and fairness of individuals ' credit histories, I earnestly request your prompt attention and resolution of this matter. 

Your steadfast commitment to upholding the core principles of consumer rights within the domain of credit reporting is greatly valued. I anticipate your timely response and the necessary corrective measures required to address this situation appropriately.
Consumer complaint received 2017-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (MA)

Several years ago I requested a Chase  XXXX   XXXX  Credit Card  XXXX  I thought we would be travelling on  XXXX  and liked some of the incentives offered. I received the card, and never used it. The travel on  XXXX  was decided against so I used other cards. I believe the annual fee of {$95.00} was waived the first year. I paid it the second with the intention of cancelling the card. I let it go, and on  XXXX   XXXX ,   XXXX   was assessed the {$95.00} fee. I carry no balance on this card so I do n't check it as regularly as I should, but when I did check,  XXXX   XXXX ,   XXXX  , I spoke with a customer service representative who told me she would refund the {$95.00}. I asked her to close the account and thought I was done with the  XXXX  card. I checked again yesterday. My account was closed, with the {$95.00} annual fee still there, as well as a {$15.00} late fee and {$1.00} in interest. I called customer service and was told it was impossible to waive the annual fee, but now I am being charged for a service that I can not use.
Consumer complaint received 2017-11-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mercedes Benz Financial Services (CA)

There is an automobile account that was opened due to identity theft. The account is being reported by XXXX only and no other credit bureau is reporting this account. The account is with Mercedes Benz ( XXXX ) for the amount of {$6000.00}. I filed a police report for this item and I am not responsible for it.
Consumer complaint received 2017-09-09
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. (CA)

The company involved, Equifax, allowed my information to be taken by hackers. I have two properties, with two mortgages, one for {$900000.00} and one for {$230000.00}. I also have student loans totaling {$250000.00} for my XXXX XXXX and {$40000.00} for my wife 's XXXX XXXX. Any credit issues would be absolutely disastrous for me and my family. My detailed information and my wife 's detailed information was stolen and is now available for criminals to use for their own purposes. I have started fraud alert with all three companies, but this means that my next property purchase will have to be put on hold until these issues are resolved. I had offered to buy a property yesterday, but now will not be able to do so because of the fraud alert.
Consumer complaint received 2023-06-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

This is a previous complaint that- Has Not Been Resolved - See complaint filed on XX/XX/XXXX with CFPB. In my records it shows the CFPB has closed the case saying it was resolved - This Has Not Been Resolved- I was literally just charged for the {$490.00} again this morning XX/XX/XXXX. 

I received a letter stating once again that I needed to provide proof that the payment was made - which I did in an email on XX/XX/XXXX, I emailed ALL of the information requested to XXXX - This has been going on since XX/XX/XXXX back and forth and this is the 3rd time Citizens has withdrawn the money from my checking account. 

I have provided all of the information proving this withdraw is erroneous and Citizens is refusing to refund me account and close the case. 

I will escalate this as far as I need to to be returned the almost {$500.00} that they continue to take from my account. 

I have spoke to XXXX XXXX Citizens Banks Sr Advocate with no avail - XXXX - she asked that I email the information requested which I did as well as numerous emails to XXXX See below the original email below ... .as well as attachments from the email I sent on XX/XX/XXXX The amount of {$490.00} was charged to my checking account on error - I contacted Citizens at the end of XX/XX/XXXX stating this and they refunded the amount. I received a letter from Citizens saying no further action was required then a month later the amount was withdrawn again. - This was for a car payment, when the amount was withdrawn a second time, the lease agreement had been satisfied and the car had been turned back in to the dealership. Citizens withdrew the funds after the car payment had been 100 % satisfied and turned back in to the dealer- so where did my {$490.00} go??? After multiple attempt via phone to resolve this issue I was told on each separate time someone from the claims department would be contacting me in 2-3 business days - this Never Once Happened- I never received a call from a representative. I have received 3 letters since asking for proof that the payment was made by other means - I have emailed XXXX 4 Times now will all the requested information - I HAVE NOT ONCE RECEIVED A RESPONSE. They are Fraudulently holding {$490.00} from my checking account. Were did the money go??? Again- the vehicle has been paid in full and returned to the dealership and the amount of {$490.00} was withdrawn again after this fact. The fact that not one representative from Citizens has responded to my complaint VIA phone and email is HIGHLY SUSPICIOUS!!!
Consumer complaint received 2023-02-22
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX 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 an account without my instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Consumer complaint received 2023-01-03
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. (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 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 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 2021-06-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Control Technology, Inc. (NV)

This company continues to hit my credit for a bill or something, I am not even sure about. Initially I called the company and they are asking me to pay a debt for an address in Alabama that was on my credit due to fraud. I have never even been to Alabama. I do not understand how or why they continue to hit my credit for something over and over again. I am in fear of contacting the company again because of the harrasment and repeated hits on my credit report. Please advise.
Consumer complaint received 2023-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2023 I deposited a check into a new account for XXXX and they put a hold on the check until XX/XX/2023 m, due to circumstances they were unable to make an outbound call the the entity that cashed the check, they refused to take any other form of verification and restricted my account cause me to be late on my bills and run the risk of my car being repossession and putting my living hood at risk as I might lose my job if I dont have a car or any access to my funds. The check 100 % will clear and not be returned but yet they still want to restrict my account and refuse to give me my money.
Consumer complaint received 2023-08-13
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LTD Financial Services, L.P. (NJ)

On XX/XX/2023 I received a letter from LTD Financial Services stating they were contacting me about the debt I owed on one of the private loans I obtained from XXXX XXXX for the amount of XXXX. 

I proceeded to obtain a Debt Verification Letter template from the Consumer Finance webpage : XXXX XXXX XXXX. This letter asked for all possible verifying information on my debt. I sent this letter to LTD Financial Services through certified mail on XX/XX/2023. In my letter, I requested they back to me within 30 days and they have failed to do so. 

Since XX/XX/2023 I have not received any mail, phone calls, or other forms of communication from them so I have no idea where my debt is or where it stands.