davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TN)

I sent my delinquent mortgage payment to XXXX XXXX mortgage in the amount {$2600.00} my check was returned by XXXX XXXX and they have set a mortgage foreclosure sale date for XXXX XXXX, 2019. I have sent a request to the mortgage company for a mortgage modification to save my home and stop the foreclosure sale. Letter received from foreclosure attorney was dated XX/XX/2019 and I did not receive the letter until XX/XX/ 2019, 30 days notice was not received before sale date. Researched on the computer Tennessee code says I'm suppose to receive notice at least 30 business days before foreclosure sale. My mortgage company has changed a lot of times but I have not received papers stating who owns my mortgage or if the servicing was assigned to a new owner of my mortgage.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

I am writing to file a formal complaint regarding the presence of fraudulent items on my credit report and to request their immediate removal. These fraudulent entries are inaccurately reflecting my credit history and causing undue harm to my financial standing. 

Upon reviewing my credit report, I discovered several unauthorized and fraudulent items, including [ describe the fraudulent items in detail, such as unauthorized accounts, inaccurate information, etc.. I want to emphasize that I did not initiate or authorize any of these transactions, and they are therefore fraudulent and erroneous. 

I understand the importance of accurate credit reporting and the impact it has on my ability to access credit and financial services. Therefore, I urgently request that you take immediate action to remove all fraudulent items from my credit report. Specifically, I request that you : Conduct a thorough investigation into the fraudulent items in question. 
Remove the fraudulent items from my credit report without further delay. 
Provide me with written confirmation once the fraudulent items have been successfully removed. 
I am enclosing supporting documentation, including any supporting documents provided, to assist in your investigation and expedite the removal process. 

I expect a prompt and satisfactory resolution to this matter. Failure to address this issue promptly will leave me with no choice but to escalate my complaint to higher authorities and seek legal remedies to protect my rights under the Fair Credit Reporting Act. I am asking for your assisstance to remove these fraud items in my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-07
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)

You are reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Consumer complaint received 2022-04-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the accounts, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against theFederalCredit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned accounts for they were found erroneous and unauthorized. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am writing to report a case of identity theft, as I recently discovered unauthorized XXXX XXXX and XXXX XXXX credit cards were opened in my name without my knowledge or consent. I have taken immediate steps to address this issue by contacting the respective credit card companies and placing fraud alerts on my credit reports. I am filing this report to request a formal investigation into these fraudulent activities and to assist in any necessary actions to apprehend those responsible
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: NAVY FEDERAL CREDIT UNION (TX)

A dispute was made for verification of obligation, when all obligations are the responsibility of the United States Treasury and anything over {$1.00} shall be credited. XXXX USC 8 and 15 USC 1681 2 ( a ) ( 1 ).
Consumer complaint received 2022-04-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neitherremoved nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-08-09
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. (VA)

This is XXXX XXXX XXXX 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 2022-04-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Bread Financial Holdings, Inc. (HI)

I opened a joint savings account with my husband on XX/XX/XXXX. In the ensuing weeks, I made deposits totaling {$150000.00} as follows : XX/XX/XXXX XXXX. 
XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX Let me reiterate that this is a savings account, NOT a CD. 

I reviewed the banks terms and conditions and there is no language restricting the withdrawal of funds from the account once the funds have cleared. 

On XX/XX/XXXX, I planned to withdraw funds from the account electronically to my checking account at XXXX XXXX XXXX XXXX XXXX. 

To my surprise, I found out that the bank had placed a {$5000.00} daily withdrawal limit on my account. Since savings accounts are subject to a 6 withdrawal per month limit in order to avoid penalties, this means that It would take 5 months to move all the money out of my account, at the rate of {$30000.00} per month. 

I then contacted Customer Service and asked that my daily withdrawal limit be increased to {$10000.00}. They denied the request on the basis that the funds would need to be in the account for 90 days. This is an arbitrary restriction that has never been disclosed upfront. 

XXXX has re-named itself as XXXX XXXX and has issued new disclosurea governing the account. I checked them yesterday and there is no language restricting the size of a withdrawal that a customer may make. 

I am familiar with withrawal limits because I have hace had accounts with a lot of internet banks, and this is the first bank I have seen that has put a highly restrictive withdrawal limit on a savings account.
Consumer complaint received 2022-04-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-04-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (AZ)

I indicated a wire transfer through Wells Fargo for my purchases over in XXXX. The XXXX Bank decided not to fund my vendor the approperit amount resulting in losing my purchased items and not getting my money back. I called Wells Fargo and I asked to cancel the wire transfer, and they told me OK! I keep calling Wells Fargo daily to check on the status of my money. I called once, and they promised me that the fund will be on a Wednesday. I checked my account on Wednesday, and the fund was not there. 

I called again and I started to record the calls, they told me that within 1-2 hours the fund should be in the account. I checked at the end of the day, and the money was not refunded. I do not know why would they lie to me?

I called again 2 times, recorded, and they have informed me that the investigation at Wells Fargo is working on the case. So, at this point, I do not know who to believe. They lie to me thinking that I am just a child. The amount is not low to forget it and move on. Its a large sum of Cash that I am trying to build my trading career and these entities are trying to steal it from me. 


Please consider the request.
Consumer complaint received 2022-04-21
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)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2022-04-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (MN)

I have been affected by Covid Hardship, I have been trying to apply and submit Mortgage Assistance pack forms for many months and have been given a run around, I have been told to send and resend the Mortgage Assistance forms in many different times. I have been asked to withdraw the Application, so they can look at Covid options ( that they can't look at it I have a Application being reviewd ), then they say their are no option available, and I should resend in a new Morgage Assistance pack.

I have been told that, I was told that would not be sent to Foreclosure because they are and while they are reviewing my Application.

I was sent to Foreclosure, they lied to me.

Every time I call they tell me they need different information, I have called two different representative 's 5 min apart and they tell me total different things about my account. 
I have been lied to and miss directicted many times.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am writing to file a formal complaint regarding the presence of fraudulent items on my credit report and to request their immediate removal. These fraudulent items are tarnishing my credit history and causing undue harm to my financial standing. 

Upon reviewing my credit report, I discovered several unauthorized and fraudulent entries, including [ describe the fraudulent items in detail, such as unauthorized accounts, inaccurate information, etc. I can assure you that I did not initiate or authorize any of these transactions, and they are therefore fraudulent and erroneous. 

I have previously submitted disputes regarding these fraudulent items on [ dates of previous disputes ], providing supporting documentation, including any supporting documents. However, despite my efforts, the fraudulent items persist on my credit report. 

The continued presence of these fraudulent entries not only damages my creditworthiness but also undermines my ability to access credit and financial services on fair terms. Additionally, the failure to promptly address and remove these items suggests a lapse in your organization 's responsibility to ensure the accuracy of consumer credit reports. 

Therefore, I urgently request that you take immediate action to remove all fraudulent items from my credit report. Specifically, I request that you : Conduct a thorough investigation into the fraudulent items in question. 
Remove the fraudulent items from my credit report without further delay. 
Provide me with written confirmation once the fraudulent items have been successfully removed. 
Implement measures to prevent similar fraudulent entries from appearing on credit reports in the future, including enhancing security protocols and verification procedures. 
I expect a prompt and satisfactory resolution to this matter. Failure to address this issue promptly will leave me with no choice but to escalate my complaint to higher authorities and seek legal remedies to protect my rights under the Fair Credit Reporting Act. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-22
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: OneMain Finance Corporation (IN)

15 U.S.C 1681 section 602A states I have the right to privacy 15 U.S.C section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C
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: EQUIFAX, INC. (MN)

The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) states that you are required by federal law to verify, through the physical verification of the original signed contract. I am requesting for proof to be sent to me immediately upon receiving this letter. FCRA states to the credit bureau that if you can not send the proof such as wet ink contract that I signed with child support then you have to remove it off from my credit report immediately.
Consumer complaint received 2024-02-19
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. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2015-04-22
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NC)

I am in the middle of a chap XXXXbk and have been making my payments ever month, however wells fargo has not applied any payments to my account from XXXX2014 until now. I have been calling every month and they will not tell me what is going on and why they can not tell me why they have not been applied. the funds are sitting in a holding account. so when i filed my taxes the interest paid was not correct. I have ask many times when the funds will be applied and they will only tell me that this is going on with more then just my account. currently they are holding XXXX in payments. Please help me to get this cleared up. Thanks
Consumer complaint received 2022-04-21
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. (OH)

In accordance with the Fair Credit Reporting act XXXX  Account, # 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 2024-02-19
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. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-19
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. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-21
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mercedes Benz Financial Services (CA)

I contacted Mercedes regarding late payments reported to my credit that are in error, they agreed to give me a deferment in XXXX. I made the payments in XXXX and XXXX on time and before it was 30 days late. They reported it late in XXXX with XXXX and XXXX and in XXXX with XXXX. This is not correct my payments were made on time for those months and I have attached proof, along with a letter and proof sent to Mercedes.

How they are reporting this is incorrect and I want it fixed.
Consumer complaint received 2022-04-21
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (NY)

I was under contract on condition of peonage and experienced bank fraud, mail fraud, identity theft. I discovered what was happening and tried to dispute my claim but the bank deprived me of my rights under color of law. I sent a civil complaint to the attorney general as other banks including this one are involved. I am giving the bank the opportunity to view my civil complaint and to remedy the damages that were done and to return all funds to me. I am still being extorted for counterfeit debt and my financial assets are drained. This is a controversy and conspiracy of authorized agents being complicit in active fraud and not helping consumers. They do not know the law and the rights of a consumer and need to be investigated.