davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-07
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: Experian Information Solutions Inc. (OR)

I received credit notifications today, XX/XX/23, that there were new Hard Inquiries that I never made, on XX/XX/23. I called both banks and advised them it was attempted identity theft, they were very friendly, helpful and understanding and provided tips, including contacting the credit agencies, in this case Experian, who had reported the Hard Inquiries. I wanted to dispute the credit inquiries and attempted to do this online with Experian, but for these types of disputes I would have to call. So I called and they asked me questions that were odd and impossible to answer, how am I supposed to know what the fraudsters stole? I just know there are hard hits that aren't mine and the banks even confirmed that they used the wrong home address for me and denied them. Well, less than 2 hours later I get an email from Experian saying the credit inquiries were valid and will stay on my credit report. They obviously made no such effort to confirm anything and assumed I'm a liar.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (IL)

In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2024-04-17
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: WELLS FARGO & COMPANY (CA)

My letter that I sent to Wells Fargo : Dear Wells Fargo Credit Bureau Dispute Department, Earlier this year I called your customer service to close my account and enter into a payment plan. Wells Fargo agreed to a payment plan, took my banking information ( account and routing number ) and the Wells Fargo customer service team stated they would enroll my account into autopay. 

However, I was notified via a XXXX alert just a month later ( end of XXXX ) that Wells Fargo failed to process my payment and enroll my account into autopay. 

My XXXX report now shows Accounts with Adverse Information with WELLS FARGO CARD SERVICES listed as the account for XX/XX/2024. 

The failure on the part of the customer service at Wells Fargo has negatively impacted my credit as shown in my XXXX  scores provided by XXXX. 

As you can see on my attached report I do not have any account flags besides the error created by Wells Fargo. This XXXX report covers the last seven years. 

Please converse with XXXX and all other credit bureaus to remove adverse/missed payment status. Wells Fargo made it clear that my account would be auto-debited with this new payment plan. I should not have my XXXX score drop XXXX points and have negative remarks on my credit report due to this poor customer service. 

Please provide confirmation that this will be fixed on my XXXX report. It has been disputed with XXXX but I would like to ensure both XXXX and Wells Fargo communicate in order to rectify this. 

I can be reached at ( redacted phone number ) or at ( redacted email ).
Consumer complaint received 2024-10-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: RoundPoint Mortgage Servicing LLC (CA)

XXXX XXXX appears to be the trustee for RoundPoint Mortgage who illegally filed a Notice of Default with a declaration falsely stating that the company exercised " due diligence. '' In a further effort to engineer and fast-track an illegal foreclosure, XXXXXXXX XXXX did not send the notice " within 10 days '' as required under XXXX law XXXX A few weeks later, XXXX XXXX then sent me a solicitation in the mail attempting to profit or obtain money from me as a foreclosure relief and/or loan modification business entity. Simply stated, XXXX XXXX, as trustee, has a financial interest in its illegally filed Notice of Default.
Consumer complaint received 2016-02-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Pinnacle Credit Services, LLC (ME)

Pinnacle Credit services has no right to contact me they were never licensed in the State of Maine to Collect or contact anyone. They put on my XXXX XXXX Credit Report XXXX wireless!!!! I have written proof through the State of Maine
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (NC)

Dear JPMCB, I am writing to address a concerning matter regarding an inquiry reported by JPMCB, which lacks permissible purpose and, as such, constitutes potential identity fraud. Per my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 604 and 605B, I am requesting immediate action to rectify this situation.

Firstly, I require documentation proving that I provided express written consent for JPMCB to report the inquiry in question. As there is no evidence of such consent or a court order, I must assert that this inquiry lacks legitimacy and is thus subject to removal.

Per the FCRA Section 605B, a consumer reporting agency must block the reporting of any information resulting from alleged identity theft when identified by the consumer. Therefore, I am formally notifying JPMCB to remove this inquiry from my file within four business days.

Furthermore, it has come to my attention that JPMCB neglected to inform me of my right to rescission, as outlined in the Truth in Lending Act ( TILA ), specifically Regulation Z ( 12 CFR 1026.23 ). This allows me to revoke any rights waived, particularly those related to the security interest. I am requesting the CUSIP number associated with the security interest provided to JPMCB. Failure to provide this information will leave me with no alternative but to initiate a level 3 audit on my account.

I expect prompt compliance with these requests to avoid further escalation of this matter. Failure to do so will be regarded as willful noncompliance and may result in legal action. 

Please provide confirmation of receipt of this letter and a timeline for resolution of these issues.
Consumer complaint received 2019-07-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (FL)

I filed two complaints with your agency they are XXXX and XXXX in XXXX concerning short sale and to get approval from the mortgage company Ocwen, Please reference these complaints to become familiar with my case, As of this date XX/XX/XXXX, we still have not closed on the short sale. The mortgage company Ocwen has now been brought by XXXX mortgage in XX/XX/XXXX. I was assigned a new account and we had to resubmit documentation several times over the last 6 months for contnujeing the short sale, We have been trying to get this short sale done well a year and a half besides having to find another buyer and after they had to get 2 more appraisal of the house over the last six months to get a unrealistic sales price to meet their acceptance, We have been diligently submitting documentation and follow-up with my realtor in negotiating the sale, Futher delays may cause the buyer to back out of the deal if we continue to have delays from XXXX mortgage, HELP US to get this sale expedited,
Consumer complaint received 2016-02-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Pinnacle Credit Services, LLC (TN)

forced disconnect of phone/ip line from XXXX has been force collecting since, thru ch XXXX keep reselling the debt and re age the account. refuses to work with XXXX. XXXX refuses to take action and keeps dropping my claims for XXXX reasons.
Consumer complaint received 2023-01-10
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. (GA)

In XX/XX/2021, a debt validation letter was sent to XXXX XXXX XXXX XXXX in XXXX XXXX, CA. The company responded with a copy of the contract between myself and the dealership. Per the FDCPA, I refused to send another payment until they sent a certified copy of the promissory note. It never came. They then stole my car, giving my information to someone I gave no consent to, and furnished late payments to the reporting agencies. Under duress, I paid the entire remainder of the loan that they never proved to give me completely off. They still reported the repossession and did not attempt to correct or cure the injury done to me. As a result, I have suffered higher interest rates on consumer transactions I have been approved for and have suffered many denials. They have never given me full disclosure or time to opt out of my private transaction being made public. 

The Credit Reporting Agencies ( acting as Bureaus ) are guilty of not receiving a court order or express written consent from me, XXXX : XXXX and proceeding to furnish damaging information.
Consumer complaint received 2023-12-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (CA)

I have been a Discover Card customer for 31 years. I moved recently and received a paper statement. I was shocked that my interest on cash advances was {$57.00}. My bill does not show a cash advance. I spoke to 8 customer service representatives, and none could help me find the original amount to dispute. I contacted XXXX at the Discover Executive Offices. She investigated and found there was a cash advance of {$500.00} in XX/XX/2011 which I dont recall. I have been paying interest for 12 years and now the cash advance balance is {$2400.00} all from interest since I pay the minimum each month. I dont check my statements because I automatically pay all my bills online. 
Discover Financial Services has abusive interest practices. The current rate is 27 %. I am now a XXXX woman on social security. They offered only to lower the rate but the issue is the balance and interest I paid over 12 years. How did a {$500.00} cash advance escalate to {$2400.00}? I hope you can help me get this amount reversed on my bill.
Consumer complaint received 2023-09-06
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: Experian Information Solutions Inc. (NV)

After making multiple calls, it became evident that the information provided by XXXX does not match with my records. Upon further investigation, I discovered that the email address XXXX, which was used during the transaction, was created from my stolen phone. Additionally, XXXX claims that the loans were taken out from both XXXX and XXXX. However, despite my efforts to contact both companies, they have confirmed that there is no record of any loans associated with my account. I have attached the emails for your reference. 
Despite presenting this evidence, XXXX is unwilling to remove the fraudulent loan from my credit history. They insist that I am responsible for the loan, even though it was created using my stolen information.
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$250.00} XXXX XXXX  {$460.00} XXXX XXXX XXXX {$740.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$170.00} USDOE/XXXX   XXXX {$420.00} XXXX  XXXXXXXX {$740.00}
Consumer complaint received 2024-04-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (MI)

my wells fargo account overdrafted on XX/XX/year> with a balance of XXXX there are no branches in my area and it wouldnt allow my other bank account to connect to it. i went to deposit a check on XX/XX/year> and was denied access to the account. upon calling customer service, i was told that it was overdrawn for too long and they closed it. i received no warning and they said they didnt have to notify me that it was closing. the account overdrafted due to a monthly service fee charged by wells fargo. i was on strike and did not have my regular income going into the account.
Consumer complaint received 2023-09-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Zions Debt Holdings (TX)

Signed up for residential security with XXXX for an agreement of service for 60 months begin on XXXX to XXXX. To my knowledge all commitment was meet with the last payment on XX/XX/XXXX. I suspended the services as they rolled over a month to month service at double costs and wanted me to resign for another 36 month term. That was the end of the the original agreement. Since XXXX sold the account to Zion debt holdings reporting an inaccurate account balance. The only record Zion was able to provide was an altered hand written copy of the original contract showing multiple changes as to costs/month and the total number of months. When asked to produce a detailed statement of account they ignored the request and proceeded to submit the report to credit agencies. To my knowledge the altered document miss represents our agreement as non of those alterations were agreed upon. Such document does not show a breach of contract and is false and not valid.
Consumer complaint received 2023-02-02
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. (CA)

I sent a letter to remove any items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after the Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : XXXX MEDICAL XXXX Balance : XXXX MEDICAL XXXX Balance : XXXX MEDICAL XXXX Balance : XXXX MEDICAL XXXX Balance : XXXX MEDICAL XXXX Balance : XXXX
Consumer complaint received 2023-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FinCo Services Inc DBA Current (NY)

Am Keep Getting and Error Message and Unable to access my account i contacted current Customer Service and they are Refusing to Fix this Problem with my account or help me gain access to my account everytime when i try to login to Current i keep getting and error we couldnt verify your account please reach out to support for assistance XXXX i have send them several emails asking them to fix my account access and they keep telling me to log out app and reinstalled it i have reinstalled the app several time still cant access my account current is being terrible to me and they are refusing to fix my account XXXX this point am requesting for and investigation for why current is refusing me to give me access to my account on my correct current device please help me with this please at this point i dont know if they are doing this for the fact the account is on hold and they refusing to fix this problem
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I discovered multiple inaccurate accounts reporting after checking my credit report on XX/XX/2023. These companies received documentation that these were erroneous charges being reported due to identity theft and still did not act to remove the accounts/funds in question from my credit report ; this has caused emotional strain and has been highly time-consuming for me to continue to request that these accounts be removed. I want penalties against the companies involved for failing to investigate identity theft claims and for the emotional stress this experience has caused. The following companies were unable to verify the information given to them : 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
Consumer complaint received 2019-07-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (HI)

DiTech is the subordinate lender to a home that foreclosed and sold at auction in XX/XX/2018. The first lender charged off the debt shortly after the auction but DiTech has been dragging its feet in closing out this account/charging it off. I've made numerous calls and was once told that the charge off had been approved and was going through the routing process. Now in more recent calls, no one can tell me what is going on with my account. DiTech is dragging its feet! I haven't owned this home for nearly 1.5 years. My last payment to DiTech was nearly 4 years ago. They need to dispense with my account immediately. DiTech is a horrible company.
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-13
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)

In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 


XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2023-09-07
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Opportunity Financial, LLC (MI)

[ I am writing to dispute the status of certain closed accounts associated with my name. I recently obtained a copy of my credit report, and upon reviewing the information, I noticed that these accounts are inaccurately reported as closed. I kindly request your assistance in investigating and correcting these errors as soon as possible. 


Please note that these accounts have been closed for quite some time, and I have the necessary documentation to support this claim. It is crucial for my financial records to accurately reflect the status of these accounts, as they contribute significantly to my credit history and overall creditworthiness. 

I kindly request that you conduct a thorough investigation into these accounts and update the information on my credit report accordingly. I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to dispute any inaccurate information on my credit report, and I am exercising that right. 

Moreover, I kindly request that you provide me with a written confirmation of the actions taken to rectify these inaccuracies within the time frame stipulated by the FCRA. This will enable me to keep track of the progress made in resolving this matter. 


I appreciate your prompt attention to this matter. Should you require any further information or clarification, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your immediate attention to this dispute. I trust that you will rectify the inaccuracies on my credit report and provide me with the necessary documentation to confirm the updates made.
Consumer complaint received 2022-10-28
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: Experian Information Solutions Inc. (TX)

I do not authorize these fraudulent inquiries to be on my credit report : 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 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