davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-22
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. (AZ)

I was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with identitytheft.gov & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. Here is the list of information I need removed/blocked from my credit reports : inquiries XXXX XXXX  Inquiry Date XX/XX/2020 ; XXXX  Inquiry Date XX/XX/2020 XXXX XXXX XXXX Inquiry Date XX/XX/2020 ; XXXX XXXX XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX  XX/XX/2020 The following address needs to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX & the following account XXXX XXXX XXXX Balance Owed : {$8500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$390.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$710.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3800.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$100.00} XXXX XXXX XXXX Balance Owed : {$1000.00}.
Consumer complaint received 2022-03-22
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. (AZ)

I was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with identitytheft.gov & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. Here is the list of information I need removed/blocked from my credit reports : inquiries XXXX XXXX  Inquiry Date XX/XX/2020 ; XXXXL Inquiry Date XX/XX/2020 XXXX XXXX XXXX Inquiry Date XX/XX/2020 ; XXXX XXXX XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX XX/XX/2020 The following address needs to be removed XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX & the following account XXXX XXXX XXXX Balance Owed : {$8500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$390.00} ; XXXX XXXXXXXX XXXX XXXX Balance Owed : {$710.00} ; XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$3800.00} ; XXXX XXXX  XXXX Balance Owed : {$100.00} XXXX XXXX XXXX Balance Owed : {$1000.00}.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am requesting assistance from the CFPB concerning the violation of my rights as a consumer. I was a victim of ID theft, I noticed the credit bureaus of the fraudulent account and inquiries posted on my credit report that needs to be blocked and removed immediately per federal law FCRA fair credit act section 609 and section 609 ; also federal law 15 U.S.C 1681 C-2. I have provided copies of official police report and Federal trade commission Idenitity theft affidavit along with my social security card Drivers license and utility bill. The following information I am demanding be blocked and removed immediately per federal law : FRAUDULENT ACCOUNT XXXX XXXX XXXX account XXXX opened XX/XX/year> {$6900.00}. 

Fraudulent INQUIRIES : XXXX XXXX  XX/XX/year>, XXXX XXXX  XX/XX/year>, XXXXXXXX XXXX XX/XX/year>, XXXXXXXX XXXX  XX/XX/year>, XXXXXXXX XXXX XX/XX/year>, XXXX XXXX  XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXXXXXX XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>.
Consumer complaint received 2022-03-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN NEIGHBORHOOD MORTGAGE (DE)

In XXXX of 2022 Annie Mac gave a false estimate on our monthly mortgage payment. The broker gave us an estimate on the high end of under XXXX dollars monthly with XXXX percent down. We put in an offer towards the house based on this confirmed number. We kept questioning his estimate, finally it was proven to be at least a XXXX dollar difference with XXXX percent difference down. Over a XXXX year mortgage, that would be XXXX dollars difference on the low end. In addition it cost us losing out on the seller paying rent to us. The broker said he would give XXXX dollar credit and a XXXX dollar credit. However we would also have to pay for mortgage points. We could only buy XXXX, and the final result would still be over XXXX dollars a month that would lock in the same day. We contacted Annie Mac and the broker 's father rather than the manger/the broker 's reached out that Friday. We asked for written contact rather than a phone call. The broker 's father is not even in the same office or state. There is more details, but I am not sure what I can disclose here.
Consumer complaint received 2022-03-22
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. (GA)

On numerous occasion, I have requested to have erroneous payment status removed. On several occasions, I have asked Equifax and XXXX to remove this data and it has not been removed. I have included examples showing where each credit bureau is reporting a different delinquency for the same account and my example was ignored as well as the information that I requested from them in the allotted time. I have attached a second letter detailing once again what I have asked for over and over. Each credit bureau should be reporting the same consistent information. In the first letter that I sent I asked you to send me several items. I have attached the first letter and a follow-up letter. I am also including the evidence removed. I also want the temporary update freeze removed from my account. As a consumer, I have a right to dispute inaccuracies between the credit bureaus as much as I choose. I provided evidence and it was ignored. I would like to have the disputed data removed because it is not consistent and it is incorrect.
Consumer complaint received 2021-03-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (VA)

Good evening my name is XXXX XXXX. 
I see i was given a credit of XXXX $ to receive my {$600.00} stimulus check in XX/XX/2020. I was not told said credit would be removed when i checked my acct today. My checking account is negative {$1000.00}. If i was advised or told by NFCU that this credit to access stimulus payment was temporary I WOULD HAVE NEVER WANTED IT. I DIDNT ASK FOR THIS CREDIT AND NOW ITS BEING TAKEN AWAY! I REPEAT I WASNT TOLD THIS WAS A CREDIT THAT NFCU WOULD TAKE BACK. This is the most unfair thing thats ever happened to me ... I was fine with how my acct was. With my stimulus payment my acct wouldve been negative {$100.00}. I was getting paid following week as well. I looked at my acct and thought the government was helping me out. BUT NOPE THIS WAS JUST TEMPORARY AND I WASNT TOLD IN ANY NOTIFICATION OR AT ALL. IM FURIOUS. I HAVE BILLS TO PAY and NFCU DOES THIS. SOMETHING I DIDNT ASK FOR. I DIDNT WANT THE CREDIT. SHOULDVE LEFT MY ACCOUNT!!!! THE REP I SPOKE WITH DIDNT SEEM TO UNDERSTAND WHAT I WAS SAYING! SHE TOLD ME I WAS RESPONSIBLE. FOR SOMETHING I DIDNT ASK FOR!!! IF YOUR GIVING A CREDIT TO ACCESS A GOV PAYMENT THEN BE TRANSPARENT AND SAY IT HAS TO BE PAID BACK ....!!! I WASNT TOLD THIS. THIS IS THE WORST EXPERIENCE IVE EVER HAD WITH A BANK BY FAR. I didnt ask for a credit to access my stimulus knowing they would take it back. MAKES NO SENSE ... please help me
Consumer complaint received 2022-03-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

I have had a very difficult time with Shellpoint. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. Shellpoint always seemed to lose my paperwork, which I constantly had to re-fax. My representative does not seem to want to help my save my home. I went on a forbearance from CODVID income loss. Shellpoint recommended it during the pandemic. What Shellpoint didnt tell me is the fact they would not help be resolve the COVID forbearance by a modification. Not helping a homeowner resolve the forebears from COVID seems predatory. I have been told by Shellpoint that they did a XXXX XXXXest that came in XXXX XXXX dollars lower than the actual value. My value has gone up considerably so failing a XXXX test seems like fraud.
Consumer complaint received 2022-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions. 
15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-03-22
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: Affirm Holdings, Inc (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2021-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I stayed at a hotel. The hotel falsely claimed I damaged the television in the room. When the bank asked the hotel to provide documentation, they failed to provide anything that proved that I specially caused the damages, only that damage occured. They could have easily been caused by a prior or subsequent guest. 

Claim Number : XXXX Date : XX/XX/2020
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MD)

I've been repairing my credit for the last two years and I constantly check my credit reports. I noticed that if you go over the limit or have a high credit usage on my credit cards, Experian will throw that on my report quickly costing me lots of points. A few credit cards reported earlier in the month and they still reported again in the same month because I went over the limit on my credit card. Experian will put it on your report fast with no problem. Now since the beginning of XXXX, I have control of my finances and I paid every credit card down, which I would hope will be reported quickly like the negative things are reported. No, I currently have cards that have not reported since the beginning of XXXX and we are almost in the month of XXXX. A few days ago, XXXX account was not reported since XXXX, months ago. I check credit karma daily also and they would get the reports a little bit after experian, but now, they are reporting way faster than experian. Come on, I worked hard on my credit and I would like my points, THAT I EARNED!!
Consumer complaint received 2022-04-19
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. (SC)

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 Accounts : XXXX XXXX XXXXXXXX {$360.00} XXXX XXXX  XXXX-unavailable balance XXXX XXXX XXXX {$760.00} Inquiries : XXXX XXXX XXXX Bank Credit Cards Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bulk Purchase Finance - General Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX  Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date XXXX XXXX XXXX XXXX XXXX Removal date XXXX XX/XX/XXXX XXXX XXXX XXXX  Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ( Reseller ) Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX Mortgage Reporters Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX All Banks Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Miscellaneous Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX and XXXX XXXX XXXXXXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXXXXXX Banks and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  Banks and XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Finance other than personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX You have 0 public records
Consumer complaint received 2022-04-19
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. (AZ)

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. 

1 ) XXXXXXXX XXXX XXXX  XXXX 2 ) XXXX XXXX XXXX XXXX XXXX 3 ) XXXX XXXX  XXXX XXXX 4 ) XXXX XXXX XXXX XXXX 5 ) Dept of Ed/XXXX XXXX 6 ) XXXX XXXX XXXX XXXX 7 ) XXXXXXXX XXXX XXXX  XXXX XXXX These accounts have violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Seattle Service Bureau, Inc (NE)

This is not my account and is the result of identity theft. I have disputed this item several times with the credit bureaus. The collection agency National Service Bureau is reporting a fraud account on my credit report in the amount of {$200.00}. This is not my account and needs to be removed from my credit report immediately. This is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2020-12-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

I have XXXX USD sitting on Coinbase pro and I am unable to send the cash back to my linked bank. I logged a support request and they responded that they have no timeframe to resolve the issue In the mean time I have XXXX Locked up!
Consumer complaint received 2019-06-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

the following accounts have been disputed on these dates for these reasons : XXXX Incorrect balance, the date reported, and the account type is inaccurate. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX NA # 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 - TOTAL V # XXXX XXXX XXXX   XXXX XXXX - TOTAL V # XXXX XXXX  XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX YES XXXX XXXX XXXX XXXX LEG # XXXX
Consumer complaint received 2023-10-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (AZ)

I have been working with Wells Fargo Estate Care Services to close the accounts of my deceased sister. I have spent multiple hours on multiple phone calls with multiple representatives, as well as spent hours in a Wells Fargo branch working with a banker.

There has been repeated changes in the requirements that Wells Fargo has for successful closure of the account. Each time that I have satisfied one request, Wells Fargo has changed their requirements, or told me that the previous representative did not accurately describe the requirements.

As directed by Wells Fargo, an affidavit of small estate transfer ( for Arizona ) was signed and notarized. An additional document called an Account Close or Partial Withdrawal Request - Deceased Customer was filled out with the successor identified. The successor is a Wells Fargo account holder. Section 8 of that document ( provided by Wells Fargo and which was created by Wells Fargo in XXXX ) says " Notary Certification ( Must be completed if Successor is a non-Wells Fargo customer or if Successor is returning the form via mail ). '' Since the Successor is a Wells Fargo account holder and provided the account number to transfer funds into, the document was not notarized ( per Wells Fargo instructions ). However, Wells Fargo rejected the document and now requires it to be notarized, which could have been done weeks ago and requires more time, expense, and effort.

Furthermore, one of the accounts is a business account for a business that was administratively dissolved by the State of Arizona in XXXX. In a XXXX minute conversation with the XXXX XXXX representative who deals with business accounts, I was told exactly what to write to provide the branch XXXX with a record that would allow the account to be closed. I did so. The next XXXX XXXX representative then rejected this document and requested evidence from the XXXX of Arizona about the administrative dissolution. That evidence ( which is publicly accessible from the official XXXX  XXXX XXXX website was provided ). However, the Estate Services representative again rejected the request to close the account and asked for additional documentation in the form of current minutes for the corporation, which hasn't existed since XXXX. 

The constant changes in requirements, the repeated requests for additional and conflicting information, the excess amount of time spent, and refusing to abide by the terms of their own document instructions leads me to feel that Wells Fargo is acting in bad faith.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

I am writing to request the deletion of certain student loans from my credit report as provided for under Federal law specifically 15 USC 1681b ( a ) ( c ). I believe that the inclusion of these student loans on my credit report is in violation of the law, and I kindly request your assistance in rectifying this matter. As you are aware, 15 USC 1681b ( a ) ( c ) mandates, that consumer reporting agencies, such as yours, Must insure the accuracy and fairness of the information they include in credit reports. According to my understanding of the law, certain student loan should be exempt from reporting after a certain period of time, provided they meet the necessary criteria outline in the statute. After conducting a thorough review of my credit report, I have identified the following student loans that I believe should no longer be included : Loan type : Education loan Creditor name : XXXX XXXX XXXX Date : XX/XX/XXXX Loan type : Education loan Creditor name : XXXX XXXX XXXX Date : XX/XX/XXXX Loan type : Education loan Creditor name : XXXX XXXX XXXX Date : XX/XX/XXXX Loan type : Education loan Creditor name : XXXX XXXX XXXX Date : XX/XX/XXXX Loan type : Education loan Creditor name : XXXX XXXX XXXX Date : XX/XX/XXXX Loan type : Education loan Creditor name : XXXX XXXX XXXX Date : XX/XX/XXXX I kindly request that you investigate the inclusion of these loans on my credit report and take appropriate action to remove them if they indeed meet the criteria for deletion under 15 USC 1681b ( a ) ( c ). I understand that the law allows for the removal of obsolete and outdated information, and I believe that these loans fall within those parameters. I have attached relevant, supporting documentation that demonstrates the eligibility of these loans for removal if there is any additional information or documentation required from my end, Please let me know, and I will promptly provide it. I kindly request that you respond to this matter within the timeframe for by the federal law to ensure the timely resolution of this issue. Please communicate with me in writing, regarding any action taken, or any further steps required on my part. Thank you for your attention to this matter I look forward to your prompt response in the successful resolution of this request. Sincerely, XXXX XXXX