davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (MD)

Lender : UWM New home purchase : XXXX Upcoming Taxes paid at closing Location : XXXX XXXX XXXX : XXXX Address : XXXXXXXX XXXX XXXX XXXX Hello I purchased my home with all upcoming taxes paid at closing. 
There was a tax bill due in XXXX. 

It wasnt until XXXX I discovered it had not been disbursed for payment. 

Sent email to lender to which in their confusion they stated I would need to pay out of pocket. I had to furnish all applicable documents highlighting the monies already paid into escrow to cover the taxes. 

After much back and forth they apologized and stated they would pay the unpaid delinquent taxes. 

It is now XXXX. My home has been purchased in a tax sale because UWM has made error after error and no corrective action has been made to protect me against a unpaid tax sale.

I have spent many hours via phone and email attempting to get UWM, the subject matter expert to correct their error with no resolve. 

In this time I have had anxiety and sickness due to their callousness and lack of professionalism in this matter. 

Ive been left vulnerable and now I am facing someone buying my home out from under me because of their wreck less and unethical behavior. 

I need help. I am not a subject matter expert in this field. I feel unprotected and attacked. 

Regards XXXX XXXX
Consumer complaint received 2023-12-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Foris DAX, Inc. (CA)

Crypto.Com has made it extremely difficult for me to withdraw my money over {$2000.00} for 2nd time. First time they made the information available to withdraw but it took so long I decided just keep the money there and reinvest after six months since I had financial hardship to pay my mortgage was anxious to withdraw. They never ask for F2A code to deposit money but now to withdraw the make it a requirement I been using their services for last 5 years but now they asked me to sign up again and use a new password word to reset my F2A code the catch is I cant have access to my funds for 24 hours. Now is 48 hours still not ready and is now 4 days since after I sold my coins and even then I attempted to sell half of my coins they sold it all I am really in desperate need of money and I am being played with since XXXX XXXX i been waiting on their help support still no response this is causing me XXXX and it seems they dont understand even after I reminded them how much this money Means to me
Consumer complaint received 2024-04-02
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-11-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

As a federally protected XXXX, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).
Consumer complaint received 2024-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/XXXX at XXXX XXXX XXXX was contacted by Wells Fargo customer service number reguarding account issues and descrepencies. They already had my personal info and asked for verification Info to close my card. I even recieved a customer service email regarding the call, which seemed normal. The next morning at approx XXXX MTN I noticed my entire checking and savings account had been withdrawn and I called the number in my Wells Fargo card immediatley and filed a fraud claim that these in person withdrawals were not made by, or approved by me. I even filed a police report regarding the incident. After being on the phone with multiple claims departments for hours on XX/XX/XXXX and XX/XX/XXXX I recieved almost no updates regarding my case for a week. I called them today on XX/XX/XXXX to get an update and was notified both claims had been closed and fraud was not determined as a factor in these withdrawals. I decided to submit a CFPB report as I am certain I read on this website under XXXX XXXX I am protected from fraud if someone impersonated a financial institution representative in order to get account information. I was also under the assumption that Wells Fargo would be able to access camera footage at their banking locations and find I was not the person who withdrew this money.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I woke up today to find incorrect accounts on my credit report, and Im completely baffled as to why. I always check my report regularly, but this time, random errors popped up. I even refreshed the browser thinking it was a glitch, but the mistakes stayed there. Now, Im requesting a thorough review of the documents Ive sent to make sure I never have to deal with this again.
Consumer complaint received 2024-09-23
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. (NY)

Recently, I received a copy of my credit report and I notices multiple inaccuracies and unauthorized accounts/information reporting to my credit report. I reached out to the company by mail and still have no response regarding an update. Just to name a few : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries/remarks has been hindering my credit XXXX agressively.
Consumer complaint received 2023-06-07
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: DISCOVER BANK (HI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom this may concern, You are in Direct Violation of the Fair Credit Reporting Act ( Discover Bank # XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A clearly states that 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 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove this late payment and update this account immediately you are in direct violation of several laws under The Fair Credit Reporting Act ).
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: 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.

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 2024-09-23
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. (MD)

I hope this letter finds you well. My name is XXXX XXXX, and I am writing to address an issue regarding my credit report, specifically related to late payments reported on my XXXX XXXX credit card account. 
I sincerely acknowledge that my account reflects a total of XXXX XXXX late payment. which is not indicative of my usual payment habits. Unfortunately, during the time these late payments occurred, I was facing unforeseen personal and financial challenges that significantly impacted my ability to meet my payment obligations on time. While I take full responsibility for the lapse, I want to assure you that these circumstances were exceptional and do not reflect my commitment to fulfilling my financial responsibilities.
Consumer complaint received 2022-11-09
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: Experian Information Solutions Inc. (CA)

XXXX XXXX  has inaccurate information reported ranging from amount owed, status and account numbers across all three bureaus. XXXXXXXX XXXX  and XXXX XXXX are unfounded items I have no responsibility for.
Consumer complaint received 2022-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX  has inaccurate information reported ranging from amount owed, status and account numbers across all three bureaus. XXXXXXXX XXXX and XXXX XXXX are unfounded items I have no responsibility for.
Consumer complaint received 2022-11-09
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: EQUIFAX, INC. (MI)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I had went to a car dealership and I told the people that I was just looking that I didn't actually want to apply, and they still took my information but I told them that I did not want to actually apply. So I look on my credit report and I notice all of these hard inquires that I listed below that I didn't even apply for or authorize anybody to use or run my credit. And the rest of these hard inquires I absolutely do not recognize I already submitted those to the identity theft department. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX )
Consumer complaint received 2022-11-09
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. (PA)

I had went to a car dealership and I told the people that I was just looking that I didn't actually want to apply, and they still took my information but I told them that I did not want to actually apply. So I look on my credit report and I notice all of these hard inquires that I listed below that I didn't even apply for or authorize anybody to use or run my credit. And the rest of these hard inquires I absolutely do not recognize I already submitted those to the identity theft department. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax ( XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account.XXXX  XXXX and JXXXX XXXX XXXXXXXX
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries.

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 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 2023-08-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

On XX/XX/XXXX, I received an email from Citi Bank, where I am a customer, offering a {$450.00} bonus to me, as a valued cardmember, for opening a Citi Accelerate Savings account and depositing at least {$50000.00}. 

That same day, I opened the account by clicking on the " Apply Now '' link in the email, where it asked if I was a Citi customer, which clearly I am as they sent the email to me since I was a customer. I then opened the account and submitted the transfer for {$50000.00}. 

The terms to qualify for the bonus were met in their entirety, which was confirmed via written documentation with 3 different chat representatives and by phone ( XXXX customer service phone number on XX/XX/XXXX at XXXXXXXX XXXX XXXX 

However, when the last chat representative submitted a complaint unsure of why the bonus was not applied even though it's been 4 months, it was denied because they said my account was not opened in the " Access Account package ''. 

This is highly misleading as I used the link in their email to apply, and their system directed me to login and apply for the account. I opened the same account, the Accelerate Savings, as they asked for. What difference does it make what package it was, and if it did, why did their system not direct me to the right spot? 

There was no way for me to know that the account I was opening would not qualify for the bonus. Further, I provided the invitation code on the email to a chat representative who assured me I would receive the bonus in that account once the money was there for 90 days.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

After review of my TRANSUNION credit report, the following hard inquires are not mine. I was a victim of identity theft and submitted an affidavit with the FTC. I had submitted a request affidavit report # : XXXX Please review the attached document and remove the incorrect hard inquires listed below, which I did not allow or request the action to pull my credit from the following institutions. XXXX XXXX XXXX XXXX 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 2022-11-10
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. (IL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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.