davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRST NATIONAL BANK OF OMAHA (ID)

In XX/XX/2019 I discovered that a fraudulent charge was made to my credit on XX/XX/2019 after the attempted charge on XX/XX/2019 was denied. 

I called First National Bank of Omaha and reported the fraudulent charge the was made by Investing Daily on XX/XX/2019 in the amount of {$140.00} for XXXX XXXX   XXXX. 

I also reported to FNBO that I had never done business with XXXX  XXXX  nor had I ever received any services from XXXX  XXXX. 

FNBO during their investigation called XXXX XXXX who told them at first that it was a renewal from a trial and earlier subscription. 

After receiving the denial from FNBO, I called FNBO on XX/XX/2019. The customer service representative could not find any prior charges made by XXXX  XXXX to my credit card for this subscription service which I have never received any services from them. I was told it would be resolved in my favor. 

FNBO again started charging late fees, interest and over due fees for this charge which was fraudulently made by XXXX XXXX. Neither FNBO nor XXXX  XXXX has been able to produce a signed written authorization or any other documentation proving that I authorized this charge to my credit card. 

I want the fraudulent charge removed from my account including all late fees, interest and over due fees. I want all negative reports to all three credit reporting agencies removed as soon as possible.
Consumer complaint received 2019-07-15
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: CAPITAL ONE FINANCIAL CORPORATION (ID)

No Money Was Taken But I Have 2 Hard Inquirys That I Didnt Do. One From Capitol One, The Other From Cabelas. I Dont Use Nor Shop Those Places. Are People Opening Lines Of Credit In My Name?
Consumer complaint received 2019-12-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (WA)

I WAS SEARCHING INTERNET FOR A 2ND MTG, SECURED BY A RENTAL PROPERTY. MULTIPLE CONTACTS RESPONDED AND AFTER EXPLAINING WHAT TERMS I WANTED - MOST LENDERS SAID THEY WANTED A FIRST POSITION - I UNDERSTOOD - XXXX XXXX ( NMLS XXXX ) WITH CARDINAL FINANCIAL COMPANY SAID HE WOULD REVIEW THEIR COMPANY POLICY AND GET BACK TO ME - HE DID NOT CONTACT ME AGAIN - BUT INSTEAD PREPARED A LOAN PACKAGE ( LOAN # XXXX ) AFTER HAVING XXXX XXXX PULL A HARD CREDIT - THIS LOAN PACKAGE DOES NOT REPRESENT ANY OF THE ITEMS THAT I WAS WANTING IN A LOAN - RATHER THEN USING MY RENTAL PROPERTY AS COLLATERAL - THE LOAN IS UTILIZING MY PRIMARY RESIDENCE - THERE IS NOTHING IN THIS LOAN REQUEST THAT I REQUESTED OR WAS PREPARED TO CONSIDER.
Consumer complaint received 2019-12-10
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (NM)

XXXX and LoanDepot could not accomplish simple communication between each other in regard to basic refinancing of home loan. Getting the docs to the title company took 4 separate reschedules with the notary to get closed on the refi. Almost a month later, it was discovered that an income sheet wasn't filed appropriately and the paperwork sat on a senior loan officer 's desk for over a week without the issue being corrected. The senior officer 's excuse for the delay was that she had over 100 docs to do and that she was out sick for a week plus they were gone for the holidays. Completely inexcusable to expect the customer to continue to rearrange their work schedule to complete a simple refi closing, and to add more insult to injury, offer nothing more than an apology for the mishap. Horrible companies to conduct business deals with.
Consumer complaint received 2024-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (CA)

Amount in dispute {$4800.00} US Bank allowed XXXX clearly-fraudulent checks to be cashed from our business bank account totaling {$4800.00} on XX/XX/24 and our problem is that their Fraud Department is not returning those funds to us while they investigate AND they are unreachable for status information. We need that money to continue to run our business. 


We called in the fraudulent activity as soon as we discovered it on XX/XX/24, the day after the bank let those fraudulent checks be cashed. We even went down to the local branch in XXXX XXXX that same day XX/XX/24 to fill out their required forms with supporting docs, so the branch could fax the information to the Fraud Department immediately. And no one replied -- and a week had passed. 


On XX/XX/24 ( & every time since ), when we tried to reach the Fraud Department we could only talk to first level associates who merely take the information and pass it on to those who process the claims. Turns out the first associate on XX/XX/24 never even fully filed the claim, which we found out when we called in on XX/XX/24 to check status, so then a different associate put it through at that time and said that the fax we'd sent would now have something to connect it with. 


It is now XX/XX/24 -- we've tried to get the XXXX XXXX branch manager to light a fire under the Fraud Dept., or at least get us an update, but they, too, are now appearing to be unreachable. ( Spoke XX/XX/24 saying they'd get back to us, no follow up response as of XX/XX/24, so we called and left XXXX messages today. Again, so far, no response. ) Other banks don't hold onto their long-standing client 's funds when the client has been a victim of fraudulent activity, so US Bank shouldn't either. ( And as we have been US Bank 's customer for over 40 years with multiple accounts at a time, always in good standing, there is no reason to think that at this time we would have gone rogue and done any of this fraudulent activity ourselves, which was also a part of their " reasoning ''. ) And at the very least, US Bank 's Fraud Department should be in better communication with its clients when they are holding on to {$4800.00} of the client 's own legitimate funds.
Consumer complaint received 2024-05-23
Product: Credit card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (FL)

This letter certifies that I, XXXX XXXX XXXX , am a victim of fraud because of the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX a former employee with the XXXX XXXX XXXX . Recently, I filed Case # XXXX with XXXXXXXX XXXX XXXX because of a breach of my XXXX XXXX number. I received an alert on XX/XX/XXXX and again on XX/XX/XXXX. I called a XXXX  team member at XXXX and they verified a credit inquiry at Home Deport with Citibank. I have never applied for a line of credit at this store. In fact, I am in the process of rebuilding my credit and have not applied for new credit since XXXX. In addition, I am unfamiliar with the street address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX. I reside in Florida. 

Please add this statement to my credit report. I am disputing all and future inquiries related to this information. I have established a credit fraud alert as preventative measure. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-07-13
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: EQUIFAX, INC. (NY)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

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

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

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

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

8. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2022-10-03
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)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I submitted a letter to the XXXX Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. XXXX XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00}
Consumer complaint received 2019-12-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MI)

My mortgage was sold from Ditech to a company called, XXXX (? ). I was just notified on XX/XX/XXXX after calling Ditech with ongoing issues I have had with them. They said they sent me notice to my address and when I argued it, they said they sent the notification to an address I am not aware of. They said I or my ex husband made the change. I am the only one with access to the account due to it having a password. Now, I can't get any prior information. Including info of them charging my account money for things that didn't take place to emails I have sent about not getting my mail from them to them charging me money for things they didn't do. From XX/XX/XXXX to XX/XX/XXXX they charge my account {$30.00} a month. At first nobody knew why but it continued. Then they came up with, it was due to monthly drive bys. However, no reason why and they could only produce 2 receipts from early XX/XX/XXXX during a divorce that these drive bys were done. 
Also, I just recently found out of Ditech being sued and filing bankruptcy. 
I can not retrieve any of my documents due to sale date of XX/XX/XXXX
Consumer complaint received 2022-11-11
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These was not done nor was it approved by me please have them deleted off of my credit report
Consumer complaint received 2022-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-06-16
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. (FL)

I sent Transunion a letter to remove a fraudulent inquiry XX/XX/2021 likely due to the XXXX XXXX data breach and Transunion. I sent them the FTC report as well and they refuse the remove the inquiries. They are clearly reporting false information to creditors which is a violation of FCRA and also damaging my credit.
Consumer complaint received 2023-05-24
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. (CA)

I requested to update the inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or responses that I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update/correct the following accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-24
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. (FL)

In accordance with the Fair Credit Reporting act 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 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. 

This occurred on XX/XX/XXXX for the amount of {$48.00}. 

I submitted the payment through the automated service but didn't receive a confirmation number, I am now being advised that the payment has been marked late.
Consumer complaint received 2019-12-10
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. (FL)

I HAVE DISPUTED XXXX ON MY CREDIT REPORT SEVERAL TIMES AND I JUST RECEIVED A RESPONSE FROM XXXX STATING THIS HAS BEEN VERIFIED WITH THE ORIGINAL CREDITOR YET THERE IS NO USAGE REPORTS, NO PROOF OF DELIVERY, AND I NEVER RECEIVED ANY SERVICES FROM XXXX XXXX XXXX. I JUST SEE A BILL BUT NO PROOF AND I AM ADAMANTLY DISPUTING. I CAN NOT PAY FOR SERVICES THAT I DID NOT RECEIVE AND WHEN I ASKED XXXX XXXX XXXX THEY STATE THAT THEY SEE THE PHONES WERE NOT ACTIVATED AND NOT USED. I NEVER RECEIVED ANY PHONES AND I CAN NOT PAY. I HAVE XXXX AND I HAD XXXX DURING THAT TIME FRAME. I WILL PAY IF THEY CAN PROVIDE YOU AND I MY SIGNATURE AND USEAGE. THIS IS THE INFO THAT THE COPS WOULD NEED TO PRESS CHARGES ON WHOMEVER GOT THESE PHONES IN MY NAME. I WANT THIS REMOVED OFF ALL OF MY CREDIT BUREAUS UNLESS A PROOF OF DELIVERY, SIGNATURE AND USEAGE IS PROVIDED. THEY CAN NOT EVEN PROVIDE ME A PHONE NUMBER FOR THESE SERVICES. I DONT THINK THIS IS RESOLVED BY JUST THE CREDITOR STATING THIS ALONE WITHOUT PROOF
Consumer complaint received 2021-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I recently challenged the validity of XXXX account thats being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureaus ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced please DELETE this account from my credit report immediately.
Consumer complaint received 2019-12-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (IL)

Good afternoon, I'm, unfortunately, contacting you again due to the fact that mr. Cooper is absolutely adamant about following deceptive business practices, as well as, breaking Federal lending and compliance guidelines. 

The most recent effort, on their behalf, to send our home to sale is that they've refused to even review documentation for our requested loan modification. 

Mr. Cooper claims that the documentation was not received within 37 days prior to the XX/XX/XXXX sale date. However if you look at the email confirmation attachment, the documentation was marked as received on XX/XX/XXXX. Which is 38 days prior to sale. 

This is just another attempt in a long line of attempts, by mr. Cooper to mislead us and perpetuate their deceptive business practices. Not only this, but I filed an additional complaint with the Illinois Attorney General on XX/XX/XXXX, regarding the multiple requests that we've made to have specific questions answered by mr. Cooper. They are still actively reviewing this complaint and, by law, should have postponed this sale already. These are questions which they failed to respond to on numerous occasions and this is another example of how mr. Cooper does business.
Consumer complaint received 2019-12-10
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: USCB Corporation (UT)

USCB Corporation #XXXX is reporting a collection to my account and I have no idea what it is from. I do not know who the original creditor is and I never had any kind of debt with them. This collection is not mine and I do not know why it is on my credit report.
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I never applied for the Bank of America XXXX airlines card. I received application information in the mail and reached out because I did not apply for a credit card and reported it as fraud. I informed Bank of America that I never applied for a card. They told me that the card was cancelled and I wouldnt received the card. However, I received a card. I called back to let them know that I received the card that they said wouldnt be sent. Again, I reported that this was fraudulent and that I never applied for the card. A couple of weeks later I got a communication via email that a card had been mailed to me. I called again and was assured that no ward would be mailed. Again, I received a credit card in the mail after being informed that no card would be mailed. Why would they send out another card on an account that was already reported as fraudulent? I called again today to inform them that I received a card in the mail that they told me I would not get. Unbelievable. Ive already put a fraud warning on my SSN at the credit bureaus. Im astounded by the incompetence and seeming unwillingness to stop fraud by Bank of America. They are unwilling to put any sort of flag on my information to prevent further fraud. They are unwilling to tell me what personal information they have on me despite my request. And they are unwilling to delete my personal information despite my request.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TomoCredit Inc. (KS)

I have emailed Tomocredit.com several times regarding them not reporting on my credit report. No response from the company. Also, pay back everyone they have defrauded.

I've paid over {$100.00} to this company
Consumer complaint received 2023-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

I have enrolled in a Chase Private Client using a promo for XXXX $ bonus if I bring XXXX in new funds into a relationship. I have completed all the conditions- and even have XXXX as of XX/XX/2023 yet the bonus credit was just 2000 % which is XXXX $ short