davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-14
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. (NY)

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 2023-05-15
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. (WI)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-01-12
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. (HI)

Transunion has failed to remove information that has had a material impact on myself after repeated requests to do so, and furnishing them with the requested information beyond what has been requested. 

I ask that these requests be honored, otherwise, other agencies, federal, state, local, XXXX, civil rights, state Attorney Generals, and other XXXX be contacted to correct the information or otherwise forced to do so in a court of law with a favorable ruling by a the presiding XXXX. 

The information listed is inaccurate, incorrect, done without my consent, permission, or authority, and I was otherwise unknown of the severity of the situation. 

Remove all requested information.
Consumer complaint received 2023-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Albert Corporation (WA)

Albert had a bonus promotion back in XXXX, 2023. I qualified for all the rules posted on their website at the time : ( 1 ) Confirm you are eligible for the direct deposit program ; ( 2 ) Set up direct deposit with Albert Cash ; ( 3 ) Receive a qualifying direct deposit of {$500.00} or more within 45 days of joining Albert ; ( 4 ) Receive a qualifying deposit of {$500.00} or more every 30 days for 90 consecutive days ; ( 5 ) Use your Cash card to spend {$200.00} or more on qualifying goods or services every 30 days during the same 90-day period ; And ( 6 ) Meet all of the above requirements within 150 days of joining Albert. 

I opened the account in XXXX, 2023. From XXXX to XXXX, I had direct deposits totaling {$810.00} and debit purchases totaling {$200.00}. 

From XXXX to XXXX, {$910.00} in direct deposits, {$330.00} in debit purchases. 

From XXXX to XXXX, XXXX in direct deposits, {$320.00} in debit purchases. 

After emailing back-and-forth several times, they continually tell me that I did not qualify for the bonus, even though I clearly did. They are refusing to pay out my bonus.
Consumer complaint received 2023-07-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (DE)

I submitted requests in XXXX and XXXX to you. Tried to get a mortgage modification for 4 years with multiple promises from Wells Fargo and the approved amount was reduced {$20.00} off my {$1800.00} payment. Working with XXXX XXXX ( XXXX and XXXX XXXX from XXXX ) WF agreed to {$25.00} payments per month for 6 months then would review for permanent modification as long as payments were on time. Several months later they returned the funds advising they could not accept a partial payment and I had to pay $ XXXX in order to save my house. Both mortgage counseling firms couldnt believe it. I have not heard back from your department or Wells Fargo. Just saw this in the news and wondering why I was not included : Some mortgage loan borrowers were unfairly turned down when they requested modifications to their loan to avoid foreclosure. They also may have been charged incorrect fees and other costs And from XXXX through XXXX, the bank made errors in mortgage modification applications, the CFPB said. XXXX XXXX XXXXXXXX The family size and income are from when I was applying for the modification.
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Subject : Complaint Regarding Account Inconsistencies and Request for Immediate Action Dear CFPB, I am writing to express my ongoing concerns regarding an account and to request a thorough review. Despite my previous attempts, I have been unable to resolve the numerous inconsistencies and obtain proper verification. 

Upon reviewing my credit report on XX/XX/2023, I discovered that XXXX XXXX ( XXXX ) reported varying high balances : {$320.00} with XXXX XXXX {$0.00} with XXXX XXXX and {$120.00} with Equifax XXXX I question the validity of these amounts, as they differ among reporting agencies. This issue has persisted for three years, despite my repeated complaints to both the bureaus and the CFPB, including case number XXXX. 

I kindly request the immediate removal of this company and all associated information from my credit profile. 

Thank you for your prompt attention to this matter. I look forward to a resolution.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I was trying to temporarily lift a credit freeze with TransUnion credit reporting agency. I answered their questions and provided them with my personal information. In their authentication process they asked where do I currently own a property and I told them XXXX XXXX but they said I was incorrect. I called spoke with 10 people in one day and they said my TransUnion file is permanently frozen and they can not unfreeze it for me or anyone else. I asked if I could remove the freeze altogether and they repeated that my file is permanently frozen and the only way to get it unfrozen is to hire an attorney. This is an issue because I am selling my current house to downsize and I can not get another VA loan without all three agencies information. I have no issues with XXXX or XXXX but TransUnion says there is literally no resolution to unfreeze my credit. This is terrible because I am a retired XXXX veteran on a limited income and if I cant get my credit pulled from TransUnion I will lose my {$22000.00} deposit for my new home. Its complete nonsense that I cant unfreeze my own credit report. I have sent a letter in writing with my US passport, license, and social but TransUnion says they are permanently freezing my credit.
Consumer complaint received 2023-07-16
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX  the following accounts XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # 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 states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-10-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (VA)

This complaint is against the Wells Fargo Home Mortgage Application Fee submitted by XXXX XXXX XXXX and paid directly from her checking account in the amount of {$50.00} on or about XX/XX/2004 from her XXXX  XXXX XXXX account. All information provided, gathered and obtained from that application remains the interest of XXXX XXXX XXXX, accountholder and shall be provided upon request.
Consumer complaint received 2023-01-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Mcburberod Financial, Inc. d/b/a SeedFi (AL)

I have a loan with SeedFi, which I signed a contract with back in XX/XX/2021. However, SeedFi has recently sold the debt over to its partner XXXX. This has given me nothing but problems ever since because I signed a contract with SeedFi to make payments and not XXXX. I have had difficulties making payments through the XXXX website. I don't even trust XXXX as it does not sound legitimate, and I do not feel comfortable submitting payments to them. In addition, XXXX XXXX/SeedFi has reported me delinquent to the credit bureaus.
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WI)

XXXX XXXX XXXX  XXXX XXXX accepted a negotiable instrument for loan ( XXXX ) satisfaction on XX/XX/2023. They are still in possession of the negotiable instrument XXXX and have not discharged the debt. They have filed foreclosure without any foundation.
Consumer complaint received 2023-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (IL)

I receive my final bill from the original creditor Victorias Secret in XX/XX/XXXX. The due date for the bill was XX/XX/XXXX in the amount of {$55.00}. The bill was paid in full and the credit card account was closed. Soon after I started receiving bills in the mail associated with this same closed account. This has been going on for XXXX years and Victorias secret dont even have my payment history in their system anymore to prove what I am saying about paying off my account. Victorias secret was contacted on XX/XX/XXXX. XXXX funding was also contacted on XX/XX/XXXX of XXXX and the amount in their system as well as the amounts from the bills that I have do not match up. I am trying to get this off of my credit as soon as possible.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent accounts from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any accounts listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report.

These are the following lists of accounts that do not belong to me or were opened without my permission : XXXX XXXX Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX Account XXXX : XXXX Balance Owed : {$790.00} Date Opened : XX/XX/XXXX XXXX  Account # : XXXX Balance Owed : {$590.00} Date Opened : XX/XX/XXXX XXXX Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX Account # : XXXX Balance Owed : {$450.00} Date Opened : XX/XX/XXXX XXXX  XXXX Account # : XXXX Balance Owed : {$520.00} Date Opened : XX/XX/XXXX XXXX XXXX  Account # : XXXX Balance Owed : {$2700.00} Date Opened : XX/XX/XXXX XXXX XXXX Account # : XXXX Balance Owed : {$12000.00} Date Opened : XX/XX/XXXX According to FCRA Section 605B ( a ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2023-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I am writing to address a pressing issue regarding my checking account [ Account Number ] with Chase Bank, which I recently discovered has been restricted without proper notification. As a valued customer, I believe it is my right to have clear communication from my bank regarding any account restrictions or limitations. 

Upon reviewing my account statement, I was shocked to find that my account has been restricted without any prior notice or explanation. This restriction has caused significant inconvenience and distress as it has affected my ability to access my funds and manage my financial affairs. 

I want to draw your attention to the fact that, under Florida law, financial institutions like Chase Bank are required to provide account holders with clear and timely notifications of any account restrictions or limitations. Failure to do so may be in violation of the Florida Consumer Finance Act, Section 560.404, which outlines the obligations of financial institutions to inform customers of account restrictions. 

I hereby demand the following actions to rectify this situation : Immediate Notification : Chase Bank must provide me with a detailed written notice explaining the reasons for the account restriction as required by Florida law. This notice should be sent to the address on file and via electronic means, if possible.

Rejection of Direct Deposit : I request that any pending direct deposits scheduled to be deposited into my restricted account be rejected and returned to the sender. This is crucial to prevent any further financial hardship caused by the freezing of my funds.

Access to My Money : I demand immediate access to my funds in accordance with Florida law, as long as there are no legal grounds for continuing the account restriction. This access should include the ability to withdraw funds, make transactions, and manage my account online.
Consumer complaint received 2022-11-14
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: EQUIFAX, INC. (GA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-20
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report :
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (MI)

I currently have a mortgage with XXXX XXXX. I contacted them directly to refinance my mortgage. I did not XXXX or use any social media to search for information. As soon as XXXX XXXX pulled my credit report, my husband and I both started receiving phone calls and text messages from random mortgage services/companies. Now XXXX XXXX wouldn't sell our info to other other mortgage companies because that would be their competition. The only thing I can assume is that XXXX, XXXX and Experian are allowing other entities to monitor my credit report and once someone pulls it, they're notified and know exactly what type of financing. I'm sure the 3 credit reporting agencies are also making money off of my private information. HOW IS THIS LEGAL??? My husband receives 10 plus phone calls every day since our credit report was pulled by XXXX XXXX. He receives the same amount of text messages. All from random companies and numbers. As soon as he blocks one number, they call with another number. I also am receiving calls and texts on my phone. It's a violation of our privacy and this practice needs to STOP!
Consumer complaint received 2022-11-14
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 XXXX XXXX XXXX Account Number : # # # # # # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account Number : XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number : XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number : XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number : 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 2023-07-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

I sent a wire from XXXX XXXX XXXX to JP Morgan Chase on XX/XX/2023. The wire was held for review by Chase. Chase requested additional information, which was provided on 4 separate occasions between XX/XX/2023 and XX/XX/2023. 

Chase is still holding on to my money as of this am ( XX/XX/2023 ) and is refusing to release my funds for me to close a business deal. 

XXXX  XXXX XXXX advised me to contact Chase as they are not responding to their inquiries ( I have responded to Chase 's request through XXXX  XXXX XXXX- on 4 separate occasion. Chase kept requesting the same information ). 

When I called Chase, all I am getting is the runaround and was told they can not discuss the issue with me since I am not a Chase customer. BUT -- -they are holding onto {$150000.00} of my money. For 14 days. This is stealing. 

I need this issues resolved ASAP and it seems like Chase is unwilling to do so. I have a BML and a TRN number for the wire, and documentation from XXXX XXXX XXXX that this wire was sent and received.
Consumer complaint received 2024-03-20
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. (TX)

I have an issue with getting the credit bureaus to investigate my credit report. I noticed there were numerous inaccuracies listed so I reached out to them and asked them to fix it but they have failed to. I asked them to verify them and they didn't do that. I asked them to send me the information to contact the furnishers and they didn't do that either. I sent them all the information they requested yet they have not corrected my report.