davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Someone bogusly opened a credit card in my name, and they ran up a bill of {$4700.00}. The account was turned over to a collection agency, which purchased the debt, and now this company has filed an adverse credit report with XXXX. 

I was contacted about two months ago by Portfolio Recovery Associates , LLC ( a collection agency who purchased someone's debt from XXXX ) regarding a delinquent XXXX credit card account that was allegedly taken out using my name and my rental property address. I told them that I did not take out the credit card. They tried to confirm my current address for my credit card, but they used my former address, which is not my current address. After I contested the collection on the phone, they said they would do an inquiry. They did an investigation, and they sent me a letter stating that their investigation " has obtained and reviewed attached documents related to this account, which establishes its validity. '' I heartily disagree with their findings. Just because an account has my first and last name on it with a credit card company does not mean that the account belongs to me. One of the documents that they sent me to prove this was a copy of a statement from XXXX credit from XX/XX/20 with my first and last name on it. I know nothing about this statement. I do not know how someone opened an account in my name.
Consumer complaint received 2021-10-11
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: EQUIFAX, INC. (TN)

This bureau reported misleading information and they trespassed my rights of privacy. They have failed to do their GRAVE RESPONSIBILITY which is to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. This is a direct violation of federal law. Their negligence has caused me distress and I'm seeking litigation.
Consumer complaint received 2024-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

I submitted an application for an Income Driven Repayment plan ( specifically the Income Contingent Repayment plan ) through the studentaid.gov website in XX/XX/XXXX with an estimated monthly payment amount of {$170.00}. My servicer MOHELA received that application in XX/XX/XXXX. However, it is now XX/XX/XXXX and MOHELA has still not processed the application or changed my repayment plan, and they are billing me on the same Level/Standard plan. I called them on XX/XX/XXXX to ask why the repayment plan type has not changed, and they could not provide a straight answer other than telling me that the administrative forbearance ( which MOHELA themselves applied while processing the ICR application ) may have interfered with processing the application.
Consumer complaint received 2024-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC (IL)

On XX/XX/year> we received a check for the amount of {$1000.00}. The reason given for the check was that our XXXX  account was higher than it needed to be. I called and had Rocket Mortgage re apply the check to our XXXX  account. I received a notice that our monthly payment would be increased from {$4200.00} to {$4200.00}. The reason given for the increase was an annual XXXX  analysis. I called to explain that the check that was sent to us for {$1000.00} was already re applied to XXXX. Rocket Mortgage was unable to come up with an explanation for the monthly increase in payment. I also noticed that the statement provided with the check they sent on XX/XX/year> indicated that the minimum XXXX  balance was {$0.00} which I believe is not legal.
Consumer complaint received 2023-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I investigated my credit report, I realized that some of the accounts were erroneous. Last XX/XX/2023, I complained about certain accounts to be clarified and verified. Now I am Including the accounts again in this current complaint Please investigate the unverifiable accounts : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2021-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I wrote to the bureaus to dispute a debt that was not owed by me. One bureau deleted it from my credit report, but transunion continued to report it. I asked to verify debt, and send me proof. They did not respond to me, but instead updated my credit report saying it was verified and updated last reported activity and reporting the wrong amount owed from what the collection agency sent me.
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-02-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (SD)

On XX/XX/XXXX, I received a text from an existing thread used by Wells Fargo many times in the past asking if I had attempted a XXXX XXXX transfer for XXXX dollars. 
I responded no to the text as I have done many times in the past. Within 30 seconds, I received a call from the Wells Fargo customer service number on the back of my debit card. 
The caller said that he was from Wells Fargo and was responding to attempted fraud using my XXXX account. He then proceeded to walk me through a charge reversal procedure to ensure that the funds would not be send via the attempted fraud. I was walked through XXXX transactions for XXXX and XXXX dollars. I was instructed to use WF for the first name of the transaction for Wells Fargo and XXXX for the last name, my first name to send the money back to my account. I was sent verification codes from existing threads that I have used during transactions through Wells Fargo and XXXX before. I entered the verification codes as instructed and was told that they would monitor my account for 48 hours to ensure the safety of the transactions. I immediately called Wells Fargo and was told that it was indeed fraud and opened two cases but was told that I was probably too late. 
The next morning, the fraudster called me again and said that he was following up on the fraud case and asked me what happened. I told him my story and he very sympathetically asked if he could log into my account and ensure that my alerts were set up. I asked him for the case numbers and he immediately hung up.

I have filed 3 different claims with Wells Fargo and have gone all the way up to their executive division and have been told every time that because I authorized the transactions, there was no recourse. 
I have even had a lawyer draw up a letter with documentation of the phone calls and texts showing that the numbers were Wells Fargo numbers that I responded to and that I expected a refund of my money, once again I was told that they were not interested in helping me, a 30 plus year customer of Wells Fargo. 
Since this occurrence, I have received many calls from Wells Fargo numbers attempting the same scam over again. 
I have no confidence in banking with Wells Fargo when I can not be certain if anyone that I am talking with is in fact my bank. 
I truly feel that Wells Fargo should share in the responsibility of this occurring to me and thousands of others across the country. If there is no security in one of the largest banks in the world towards their identity, how can I as a customer have the confidence that my funds and identity are safe. 
XXXX dollars is a month 's wages that I lost because I had confidence that my bank was looking out for me, and I can not afford for this to happen. 
This has caused a great deal of hardship, anxiety and expense to me and my wife and I feel violated and cheated by of course the fraudster, but also let down by Wells Fargo.
Consumer complaint received 2021-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (CO)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The 3 Credit Bureaus are reporting inaccurate information on I.Q. DATA INTERNATIONAL which openedXX/XX/2020 ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-10-11
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)

XXXX - XXXX {$1500.00}. I first submitted my complaint to XXXX and Transunion on XX/XX/XXXX asking them to verify this unknown account. XXXX and Transunion both responded with a computer-generated letter informing me that the account was verified and that I should contact the original creditor ( XXXX  ) if I had additional questions. I contacted XXXX on XX/XX/XXXX, asking them to validate the debt. XXXX did not validate. According to the law, the account must be deleted if the creditor CAN NOT validate the account. Just today I looked at my credit report today and see that this unknown fraudulent account is still on my credit report after I have contacted all parties involved credit bureau ( XXXX and Transunion ) and XXXX. How is that possible if they CANT validate with me the consumer but validate with the credit bureau.
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-10-11
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: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-10-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (TX)

IN 2006 SPECIALIZED LOAN SERVICING LLC WAS COLLECTING MORTGAGE PAYMENTS FOR XXXX XXXX XXXX ON MY SECOND LIEN. XXXX XXXX XXXX MODIFIED MY MORTGAGE AND TOLD ME THAT THE FIRST LIEN AND SECOND LIEN HAD BEEN COMBINED AND THAT I ONLY HAD TO MAKE ONE MONTHLY MORTGAGE PAYMENT. 
I CONTINUED MAKING MORTGAGE PAYMENTS TO XXXX XXXX XXXX AND NOW TO THE SERVICER OF XXXX XXXX XXXX SELECT PORTFOLIO SERVICING. ON XXXX I DISCOVER THAT MY HOME HAD BEEN PLACED IN FORECLOSURE WITH A SALE DATE OF XXXX FOR COLLECTION AMOUNT OF {$29000.00} THE SECOND LIEN I OBTAINED WHEN I PURCHASED MY HOME IN 2006. AS REQUIRED UNDER TEXAS LAW PROPERTY CODE SECTION 51.002 ( D ) I NEVER RECEIVED A CERTIFIED NOTICE OF DEFAULT OR A NOTICE OF SALE FROM SPECIALIZED LOAN SERVICING OR THEIR TRUSTEE ATTORNEYS XXXX XXXX XXXX XXXX XXXX. I WAS FORCED TO FILE CHAPTER XXXX BANKRUPTCY ON XXXX. I CALLED AND NOTIFIED THE MORTGAGE LENDERS BEFORE XXXX ( See attached proof of notifications ) AND THEIR ATTORNEYS THAT I FILED BANKRUPTCY SO THEY COULD STOP THE FORECLOSURE OF MY HOME. THEY DID NOT COMPLY WITH THE U.S. BANKRUPTCY COURT-ORDERED STAY AND CONDUCTED AN UNAUTHORIZED FORECLOSURE SALE. A MORTGAGE FORECLOSURE WITHOUT PERMISSION OF THE BANKRUPTCY COURT VIOLATES THE AUTOMATIC STAY AND IS VOID OR VOIDABLE.
Consumer complaint received 2021-10-05
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: TRANSWORLD SYSTEMS INC (NY)

Transworld is reporting fraudulent info on my credit I didnt open an account with them nor did I authorize anyone to do so I paid this account despite it being fraud, becauseI was informed that it would be removed from my credit I made the payment on an account that was not mine and yet the collection was not removed as promised please remove this fraud account from my credit
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry Date of inquiry XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date XXXX inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  XXXX XXXX Date of XXXX XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of XXXX XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-10-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: PNC Bank N.A. (PA)

I had applied for Covid relief during the pandemic because I was unable to work as a XXXX. I restarted my monthly payments and they didn't post a late fee on my account until XX/XX/2021. They have been charging a late fee ever since I applied for relief on my account. I would like for them to freeze this account until this issue is resolved. I do not want late fees to accrue, or for it to affect my credit score. PNC has been charging me late fees ever since I applied for Covid relief with them.
Consumer complaint received 2021-10-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I paid off a loan XX/XX/XXXX, {$2600.00}. The loan dropped off my FTB app, and I got a letter confirming the loan was paid off. XX/XX/XXXX an autopayment sent from my bank by mistake, {$300.00}. FTB confirmed over chat that my account was closed and they would return my {$300.00}. I received only {$290.00}. When I asked why, they first told me the {$2600.00} had been refunded, I accrued interest, then I repaid {$2600.00}. I said they never refunded {$2600.00}, and I never repaid it later. Then they admitted what they said wasn't true, instead saying that I hadn't originally paid the " payoff quote, '' contradicting the previous explanation when they said I had originally paid the correct payoff amount. They also deny sending me the letter and confirming XX/XX/XXXX over chat that my account was already closed. They also insist I paid the {$300.00} XX/XX/XXXX, XXXX weeks before I sent it. They wrongly took my money, and they have changed their story multiple times instead of returning it
Consumer complaint received 2024-02-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (TX)

Navy Federal Credit Union took {$600.00} from my account for an alleged credit card debit they have not validated as accurate. The XXXX XXXX is the security that is collateral for Navy Federal Credit Union. The security has equity from the trading and I am entitled to equitable relief since the financial asset belongs to me. I request Navy Federal Credit Union uses the equity that my security has made to settle any allege debt and refund any overpayments as the profits rightfully belong to me. The Federal Reserve Act strictly prohibits banks from loaning its own assets and since this is so they are insured under FDIC and NCUA which insures Navy Federal Credit Union so they risked no loss at all so illegal seizing money from my account is theft of funds. Navy Federal Credit Union has taken over {$2000.00} in illegal withholdings from my account. Not only are they engaging in security fraud they are also taking money from their customers without a valid court order which is a judgement.
Consumer complaint received 2024-04-13
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: TD BANK US HOLDING COMPANY (OK)

On XX/XX/2023 through XXXX XXXX I had XXXX hard inquiries on my XXXX where they were unauthorized. I do not have any open accounts under those XXXX. The hard inquires are the following. XXXX XXXX XXXX, XXXX federal credit, TD auto finance, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX auto finance, XXXX XXXX XXXX chr, ally XXXX XXXX XXXX XXXX and XXXX. These were unauthorized and i wish to have them removed off my credit report immediately!
Consumer complaint received 2024-04-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CORELOGIC INC (MA)

I checked my personal credit report, and I noticed that unauthorized inquiries have been made. I contacted the creditors who placed these inquiries, and asked them to remove them from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than XXXX business days ago, they have failed to respond and honor my request. Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation
Consumer complaint received 2023-02-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Due to overdraft, my primary account was closed. I am filing a complaint because prior to closing my account, I spoke with customer service regarding the timing of when my account would be closed due to the duration of the negative balance. I was told that as long as I was making active deposits to reduce and resolve the negative balance, my account would remain open. Bank of America closed my account. Now, Bank America is debiting my secondary active account when direct deposits are made to resolve the balance. I did not authorize this, I was not informed this would take place with the account that remains open. I have had several forms of deposits into my account, Bank of America only debits from my employers direct deposit. I have asked several times upon account closure to escalate as the information given to me was not accurate and Bank of America continues to debit my direct deposit in which I did not authorize.
Consumer complaint received 2023-02-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XXXX I disputed this account XXXX XXXX XXXX. With XXXX, XXXX, and Transunion I have never been provided any information on how this account was verified, but yet it's still being reported on my credit reports. All 3 credit bureaus are reporting inaccurate, unverified information. This account needs to be deleted.