davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-20
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: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed 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 XXXXXX/XX/XXXX
Consumer complaint received 2021-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Social Finance, Inc. (TN)

The account was opened on XX/XX/2021. My twin brother fraudulently opened a card in my name and spent {$1000.00}. Previously to this account opening, I received hard inquiries from SoFi. I have never heard of this company before and never applied for a credit card from them. I called them and they said they would cancel the card but they did not believe me when I said I didn't apply. I've already sent out a follow up letter to them and the three major credit bureaus. I filed a police report and a identity theft report FTC. He may have applied for the card in my name and made himself an authorized user without my knowledge. since he is a twin, his SSN is one digit off from mine. He has already stolen checks from my grandfather and father. He has charges being pressed against him. They reported this to the credit bureaus and my score dropped XXXX points.
Consumer complaint received 2021-12-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (VA)

Someone created a fraudulent Venmo account using my photo, name and a username that was identical except for an additional -at the end. They contacted contacts of mine requesting {$300.00}. I reported the fraudulent activity to Venmo and provided a screenshot. The customer service representatives informed me that they could not discuss it with me and that the people receiving the messages from the fraudulent account needed to email Venmo. I have received zero confirmation that they will investigate the account despite my reporting of the fraudulent activity.
Consumer complaint received 2023-07-31
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. (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. 

XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-18
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)

On XX/XX/19, I settled a XXXX XXXX account in full. I owed {$5500.00} and paid {$2400.00}. I have a letter that says this is settlement in full, however, my credit report is showing I still owe a balance. Experian investigated but says my balance is still {$3100.00}. Even after I provided the letter as proof.
Consumer complaint received 2023-02-23
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or correct them immediately. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (MS)

On XXXX I messaged my bank requesting that Navy Federal Credit Union place a bankers notation in my account file saying " ALL FUNDS BEING DEPOSITED, TRANSFERRED WITHIN, OR TRANSFERRED OUT OF MY ACCOUNT IS TO BE " DENOMINATED AS LAWFUL MONEY '' PURSANT TO 12 U.S.C 411 '' after talking through message I was denied that right. 
On XXXX I called XXXX and talked with XXXX Services and XXXX  to get the statement placed on the account. After being denied. I asked why and where legally do they have the right to deny my request. I wasn't given a legal explanation as to why my request was denied. There is a difference between lawful money vs. XXXX XXXX in which most bankers are incompetent and void of overstating of the law.
Consumer complaint received 2023-01-20
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX Balance Owed : {$200000.00}
Consumer complaint received 2021-12-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MI)

These were used to make inquiries to my account that I have not personally applied for remove these Immediately 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 XX/XX/XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXn XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Lockhart, Morris & Montgomery Inc. (FL)

The Account has appeared on my credit report again after being removed off from failure to provide documented proof that the debt was mine in 30 days. I disputed back in XX/XX/XXXX and the creditor failed to comply to the Credit Bureaus request. As of XX/XX/XXXX this account has showed back on my credit profile & they are violating XXXX rights. 

Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the XXXX, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 

The term " breach of security '' means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX XXXX for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules ffective XX/XX/XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any XXXX authorization. 

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports.
Consumer complaint received 2021-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

the accounts was dispute however still on credit report in error from XXXX and XXXX court case that XXXX and XXXX agreement due to rent assitance XXXX would cofirm false info Lexis nexis company providing incorrect info for money
Consumer complaint received 2022-12-03
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. (CT)

My son is a minor who has a credit report through TransUnion. When I investigated this, I found that one of my credit cards through XXXX XXXX is attached to both his and my social security numbers. This change was done in XX/XX/2022, though no action was taken by me at this point, nor does his name show as an authorized user of the card.
Consumer complaint received 2021-12-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

My XXXX settled discharged mortgage is illegally in the hands of PHH and or XXXX Mortgage XXXX. I requested a complete transaction history, itemized pay-off. I also requested information all the many years there was no communication from this mortgage servicer. I want to see their records to see if it matches my records. I want to see the history for any discharges, charge/write-offs from previous servicers. I believe this company is following illegal processes. They seem to be disguised under several different names such as ( XXXX XXXX ) XXXX, PHH and XXXX. They all seem to be one in the same. I have also been advised to reach out to the Attorney General to have him/her investigate the practices of this company. They are illegally attempting to collect on a mortgage debt that has already been settled with another servicer. I believe these illegal practices and needs to be investigated.
Consumer complaint received 2024-03-10
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. (IN)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-12-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

I had received a notifying letter from XXXX XXXX XXXX  on XX/XX/2021 stating that I owed {$830.00}, I had never opened an account with XXXX XXXX XXXX I received a letter on XX/XX/2021 from Midland Credit Management stating that I have been on collection and I owed {$830.00} but I ignored it thinking it was a scam then I had received another letter from MCM Collection on XXXX XXXX with the same billing mail letter. So I called XXXX XXXX to make sure I didnt have a account open and they said yes I had a account open but they couldnt help bc Collection had already taking over the account.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NV)

I've had an account with wells Fargo for 7 years and I recently had to close my account due to me going through identity theft and I had multiple transactions that were not done by me. Wells Fargo then decided to close my account completely and I really needed it. They didn't even try to help me at all they were debating with me over my money that was taken out of my account. I need help asap.
Consumer complaint received 2023-01-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (OH)

I read an article about Wells Fargo owing people money, for wrong charges and other charges. 
I would like to know if I am owed any money. 
I had a mortgage with Wells Fargo back in XXXXto about XXXX  maybe before another Bank took over. 
Please email me at XXXX Thank You
Consumer complaint received 2019-09-09
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Direct Recovery Services, LLC (NV)

I asked the company to stop calling my work phone number and my work does not allow private call. They continue to call my work. 

I am not sure of a resolution because I question the legitimacy of the debt. The debt collector informed me that they were not going to call again because I couldn't make a payment yet they keep calling.
Consumer complaint received 2018-10-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (MD)

Hi Team, National recovery collection agency they did not send any notice to me and opened a {$65.00} amount account on XX/XX/2018 on my credit report.

I called them about the account then they send back notice to contact them in 30 days.i called again and asked more details on this account but they give an email ID for any further communication. I sent out 3-4 Email after that but they never responded. 
Again I called them but they said will update in some days .after more than a month I have not received any account information back from them.
Consumer complaint received 2021-12-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TRUIST FINANCIAL CORPORATION (FL)

I opened a new account with BBnT, now Truist. I was traveling. I thought I transferred some funds from XXXX into said account. I made a charge and it went through thus thinking yes I had made said deposit. I returned home form my business trip and realized on Monday that several charges had gone thru with resulting overdraft charges of {$36.00} x XXXX. I was also hit with an additional overdraft fee a week later a s I tried to fight these fees. I reached out to the Truist XXXX line and they could not reverse any of the charges nor turn off the feature allowing me to spend money that is not in my account feature. I then reached out to my banker, but he did not respond. I later went into a branch a week later when I could and found out he had left the bank and I had a new banker. He did not respond to my voicemails or emails even though they were forwarded to him.He also has been unable to reverse any of the charges nor turn off the money I don't have spend feature. Is this legal? I'd like the 6 overdrafts reversed and this feature that allows endless use of funds that I do not have and subsequent overdraft fees turned off on my account. Please help.
Consumer complaint received 2021-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (TN)

I requested to close my Chase card ending XXXX, Chase did appears to close this account. 

But Chase keeps sending me blank checks to be used against the closed account. I consider this practice fraudulent, since I did not request these credit card blank checks. 

I tried to login to the closed credit card account, to log complain against this practice of sending blank checks for closed credit card account, I couldn't because the online access appears to no longer available. 

I will not be responsible in the event the blank checks are used by unauthorized people. I want Chase to discontinue all correspondence on all my requested closed accounts with Chase. 

Thanks, XXXX XXXX
Consumer complaint received 2021-12-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

NewRez account number : XXXX We need our mortgage servicer NewRez LLC DBA Shellpoint Mortgage Servicing to confirm that they have received our XXXX policy renewal documents for our homeowners insurance of which NewRez needs to pay from our escrow account. We had issues last year with NewRez claiming they had not received the proper documents etc which resulted in NewrRez telling us that they would be buying lender placed insurance on our home, NewRez did pay our XXXX insurance policy on XX/XX/XXXX. We would like to avoid receiving any letters this year telling us that NewRez will be buying Lender Placed Insurance on our mortgage. We ask that NewRez confirm receipt of our XXXX Homeowners Policy Documents from XXXX and immediately make a payment for the renewal of our XXXX Homeowners Insurance Policy. 

We have included our XXXX insurance renewal policy documents for our XXXX XXXX Homeowners Insurance Policy. NewRez should of already received the XXXX renewal policy documents for our homeowners insurance policy directly from XXXX ( the company that provides our homeowners insurance.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

Subject : Request for Immediate Removal of Outdated Negative Information Under FCRA Guidelines Dear Sir or Madam, Upon a recent review of my credit report, I have identified an inaccuracy that is impacting my financial health and is in violation of the Fair Credit Reporting Act ( FCRA ), specifically regarding the duration of negative information on consumer reports as outlined in Sections 605 ( a ) and 623. This concerns a charge-off by XXXX XXXX XXXX for an account that was closed on XX/XX/2017. 

Account Information : Creditor : XXXX XXXX XXXX Account Number Ending In : Please Review Attached Documents Charge-Off Date/Date Closed : XX/XX/2017 The presence of this charge-off on my credit report beyond the seven-year limit mandated by FCRA 605 ( a ) has unjustly affected my credit standing. This outdated information inaccurately reflects my current financial health and legal compliance regarding credit reporting standards.

Action Required : 1. Investigation : In accordance with FCRA 623 ( b ), I request a comprehensive investigation into this matter to verify the outdated nature of the reported charge-off.

2. Removal of Outdated Information : I expect the removal of this charge-off from my credit report promptly, aligning with the requirements of FCRA 605 ( a ), which limits the reporting of negative information to seven years from the date of initial delinquency. 

3. Confirmation of Action : Please provide written confirmation of the investigation outcome and the removal of the charge-off, as per my rights under FCRA 611 ( a ). 

Please note that the recent review of my credit report that revealed this discrepancy was initiated by me and does not reflect any recent update provided by XXXX XXXX XXXX. 

Attached Documentation : XXXX. Documentation confirming the charge-off date by XXXX XXXX XXXX XXXX 

XXXX. Copies of my credit reports indicating the presence of the outdated charge-off. 

I trust that you will address this issue promptly and ensure compliance with FCRA standards. Failure to rectify this error within the statutory 30-day response period may necessitate further actions on my part, including seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) and legal advice to protect my rights under the FCRA.

Thank you for your immediate attention to this matter. I look forward to your swift action to correct my credit report and uphold the integrity of credit reporting standards. 

Sincerely,
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (AZ)

In XXXX of XXXX our account was negative XXXX because Wells Fargo took money from our account. This put us in a huge financial burden. They took money that wasn't even in there. So when my paycheck was deposited it was gone. I made multiple phone calls, sent emails, and to tried to resolve this. They refused to even try to work with me. They took a few overdraft fees off, but that didn't help what they did when they took money from our account that wasn't there. They stated it was from the stimulus and we owed it. The sent a letter a week before. Tht is not enough notice and we never signed or agreed to any of this. I called before they even took the money out and asked if we could please arrange something. They said they knew nothing about it. Then the next week took it out. When I called again, they said they could not do anything. We had to take out personal loans to get by because of this. This ended us costing us so much.