davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-02
Product: Credit reporting, credit repair services, 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. (CA)

XXXX XXXX has made an illegal, invalid, erroneous, and unauthorized hard inquiry on my credit which has damaged my credit score. 

Cease and desist, no authorization This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX Made on : XX/XX/2018 Made with : Experian I have not signed any documents authorizing your organization to view my credit history, therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

In addition, the initial unauthorized inquiry was made over 2 years ago which is past the amount of time any inquiry is allowed to remain on a credit report. 

I request that after removing your unauthorized and outdated inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-01-08
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. (GA)

On XX/XX/2018 I submitted a request for validation and verification of dismissed bankruptcy reporting on my credit report from TransUnion LLC. It came back as verified by the court and reporting that the court is the furnisher of the information. This investigation was completed on XX/XX/2018. On XX/XX/2018 I contacted TransUnion asking who or what entity verified this information, I was advised that the information was verified by a 2nd and or 3rd party. I notified them that with my original request I had included a letter from the court in question that states they do not verify, validate or report any information to CRAs or any other furnishers. When I asked for the source to whom performed this verification / validation, I was told they do not disclose that information and that they are not obligated to do so. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I  further bring notice of the request for verification and or validation requested not only the verification and validation, but also the process and or systems used, any furnishers, persons and or entities used in collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region
Consumer complaint received 2019-03-29
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. (MN)

I have tried on numerous occassion to get an issue resolved with the credit bureaus ( Experian, XXXX and XXXX ) without any success. Today I'm looking at some correspondence I recieved from you in regards to the account -referenced XXXX and XXXX respectively. It's occurring to me that they appear to be the same account. At the same token, whenever I disputed this account with the bureaus, they all respopnded that the account is verified. I contacted XXXX XXXX through an attorney and the account under XXXX and this was removed from my report, however and even more disconcerting is that XXXX is referring to the same account which makes no sense to me. Additionally, after incestigating there's a XXXX account referencing the same account on my Experian credit report. I'm very frustrated and I'm hoping that you can assist me in getting some clarity to this madness. 

Much Appreciated.
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have dispute a debt with Experian and a collection agency that remains on my credit report. XXXX continues to say that the debt has been validated but I have never seen any documentation. I disputed the debt directly with the agency and they were never able to validate with me directly that this debt belongs to me. I filed a complaint against the agency with CFPB and they advised me that their client was not able to validate and that there was a name discrepancy and that the account would be deleted from my credit. As of today this has yet to happen. If the agency advised me that there is a name discrepancy, how is Experian saying the debt is validated? I uploaded the agencies response to my complaint to Experian that clearly says the account will be deleted and Experian still came back and denied my request saying the debt is validated.
Consumer complaint received 2019-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BMO Bank, N.A. (AZ)

the delay in recording the trustees sale is a manipulation of how their items is reporting to the credit bureaus and is a violation of the FTCs Fair Credit Reporting Act guidelines as this is not reporting to your credit fairly or accurately.
Consumer complaint received 2018-08-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (GA)

XX/XX/2018 received a call from Navient that my student loans were in default : I explained that my student loans were in deferment. Navient stated as of two days before XX/XX/2018, it came across their desk that it was turned over to them in default. I explained that I haven't received anything stating my loans were no longer in deferment : Navient stated loans were in default and interest has been accruing and demand I pay something. Navient also stated the amount was {$250000.00} which is incorrect because one letter states I owe XXXX. Navient also contacted my children for my information. I also just received a letter stating my wages will be garnished by the IRS. They are not even trying to work with me to find out why my loans, all of sudden are in default and why are the amounts incorrect with added massive fees. I also checked the student loan databases and Navient has added these incorrect amounts to my student loans which are very confusing. That is not the amount I owe after I left school.
Consumer complaint received 2020-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (GA)

On XX/XX/2019 my wife and I refinanced our home with Freedom Mortgage. As apart of the closing Freedom Mortgage withheld {$2200.00} as a Escrow Holdback for minor repairs required by Freedom Mortgage. We have made several attempts to retrieve this funds as the required repairs have been completed. Every attempt to resolve this matter with Freedom Mortgage as resulted in being transferred to several different departments with no willing our able to assist with resolving this issue. My Freedom Mortgage loan number is XXXX. I will attach below a copy of the Escrow agreement.
Consumer complaint received 2023-03-17
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. (FL)

I HAVE CARRIED OUT MULTIPLE MANAGEMENTS WITH TRANSUNION, VERY CONCERNED ABOUT THE ACCOUNTS THAT ARE IN THE CREDIT THAT ARE NOT MINE. AND I HAVE NOT RECEIVED TRANSUNION LETTERS. 

I request the removal of these accounts that are affecting me and are not mine : 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 Bankruptcy XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (TX)

I sent money to the XXXX thru Western Union money transfer, but they did not only cancelled my transactions, they are holding my money for 23 days now. 

Last XX/XX/2022, I have sent a debit card to checking account transaction to the XXXX amounting to {$1500.00} dollars and the transaction was completed ( MTCN XXXX ). 

Few days after, on XX/XX/XXXX, I sent again {$1300.00} to the same Philippine checking account but this time, I used my checking account ( MTCN XXXX ). Three days after, I received an email saying that the money transfer was not successful because, according to Western Union the bank in the XXXX did not accept my transfer. I was told to wait for 7 days for the refund. Because of this, my payment was delayed and incurred penalties amounting to XXXX XXXX. 

After I received the refund, I immediately sent the money amounting {$1300.00} to the same account, this time, through debit card to checking account transaction ( MTCN XXXX ). The transaction was confirmed on the same day and was scheduled to be received by the bank on the XXXX. I checked the online app and tracked my transfer and it was reflected as COMPLETED, so I released a check believing that the account was already funded. 

On XX/XX/XXXX at XXXX AM, Western Union sent me an email telling me that the latest transaction was again and I need to wait for 7 days for my money to be refunded back to my account. 

I may now be facing legal actions in the XXXX because of Western Unions irregularities, and while I am suffering, my money is with Western Union for more or less 23days ( Transaction to notification of refund : from XX/XX/XXXX to XX/XX/XXXX ; waiting time for refund : XX/XX/XXXX to XX/XX/XXXX ; New transaction to notification of refund : XX/XX/XXXX to XX/XX/XXXX; and then waiting time for refund : XX/XX/XXXX to present, XX/XX/XXXX ).
Consumer complaint received 2020-02-02
Product: Credit reporting, credit repair services, 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. (CA)

XXXX , XXXX has made three ( 3 ) illegal, invalid, erroneous, and unauthorized hard inquiries on my credit which has damaged my credit score. 

Cease and desist, no authorization This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX , XXXX Made on : XXXX Made with : Experian Made by : XXXX , XXXX Made on : XX/XX/2019 Made with : Experian Made by : XXXX , XXXX Made on : XX/XX/2019 Made with : Experian I have not signed any documents authorizing your organization to view my credit history, therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

I request that after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP (UT)

I have a hard credit inquiry from ELAN FIN SVCSBMW on XX/XX/2023, and I never had any business with this company. I tried to call them but have never been able to speak with a real person. They also use this phone number ( XXXX ) XXXX for my credit report, but this is not my phone number.
Consumer complaint received 2019-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BBVA FINANCIAL CORPORATION (TX)

On the day of XX/XX/2018 I noticed that my account had been hacked or something it was over drawn {$840.00} Im sitting in my living room with my son and my boyfriend watching tv I looked in my wallet to see if I lost my card no its in my possession ( still is ). So I called Bbva Compass Bank started the process and they told me the account was then blocked but at XXXX XXXX XXXXt it went from XXXX to XXXX another charge on my card had been used again Im still home. The next day XXXX XXXX was supposed to be a happy day for me and my family Im stressing out because with the fees and all my account went from XXXX $ to XXXX I kept calling every single day I have my dispute number ( XXXX ) I specifically told them about nine gas stations and the man at this time said he updated it so that the investigators would see my update on. Again like all banks they say you will see a credit in 10 business days and today is the tenth day I was promised a credit my account is not even handled I didnt receive anything no emails no letters no nothing I have to pay rent daycare etc Ive been putting things off due to this inconvenience to me and my family Ive loss sleep cant eat because of this termoil that this bank has caused me. I just want what is rightfully owed to me so that me and my family can move forward. I will not be banking with them anymore due to this and due to them not be truthful with me from jump Im only XXXX with a XXXX year old boy Im raising him by myself I pay rent by myself I pay for everything on my own I thank XXXX for my boyfriend mom and dad for helping me but this has to end now.
Consumer complaint received 2018-08-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CA)

In late XX/XX/2018 US Bank sent me an escrow overage check for {$4300.00}, then raised my payment {$43.00} from {$3500.00} to {$3500.00}. On XXXX I sent US Bank a check for {$530.00} with instruction ( attached ) to deposit to my escrow to cover anticipated increases in taxes or insurance. In XX/XX/2018 I received a letter ( attached ) from US Bank acknowledging the deposit to escrow but ignoring my request to return my payment to the former amount. I also received a monthly billing statement for Total Amount Due {$3500.00}. I then called US Bank and asked them to take another look at my letter which they admitted was scanned into their computer and reduce my payment to the former auto debit amount of {$3500.00}. I continue to get monthly statements for the Total Amount Due {$3500.00}, the latest due for XXXX. They have again ignored my requests.
Consumer complaint received 2022-07-25
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. (NY)

Please be advised this is my XXXX WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite XXXX previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7800.00} and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}.
Consumer complaint received 2018-08-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I LIVE AT THE HOMELESS SHELTER DOWNTOWN, A FEW DAYS AGO SOMEBODY STOLE BAG WITH MY DEBIT CARD AND A LOT OF MY PERSONAL BELONGINGS. 

I NEED HELP BECAUSE MY MONEY IS GONE, AND THE BANK SAYS THERE CLOSING MY ACCOUNT FOR A FRAUDULENT CHECK SOME XXXX TRIED TO PUT IN MY ACCOUNT. 

I DONT EVEN KNOW HOW TO DEPOSIT A CHECK UNLESS ITS AT THE LIQUOR STORE. THIS IS JUST CRAZY. 

ON XX/XX/XXXX I GOT A LETTER SAYING THEY ARE CLOSING MY ACCOUNT. PLEASE SOMEBODY HELP ME!
Consumer complaint received 2020-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

I made a payment via ach Monday XX/XX/XXXX. The money left my bank and was processed the following day. Capital One refuses to apply the payment and is requiring a 7 day hold. This is unacceptable they are earning interest on my payment while screwing me out of the benefit of the payment. This was a cash payment and absolutely no reason OTHER THAN FRAUDULENT MISREPRESENTATION AND COSPIRACY TO DEFRAUD CUSTOMERS. I have advanced degrees in econ and banking and have ran warehouse banks. This is completely illegal and unacceptable. I want to be reimbursed for interest. They are using the coronavirus as an excuse to continue to defraud customers.
Consumer complaint received 2018-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NY)

I had an issue with a previous credit card from XXXX XXXX the make up store where someone use my information and max out my cards despite having the physical card on me. I filed a compliant with my card company and they end up getting my funds transferred back to me in a new account. Now I'm unable to get any credit cards since this situation. I made an identity theft report on the federal bureau end and just removed a fraud alert as well through XXXX. Is there anything that can be done so I can be approved for cards before this situation?
Consumer complaint received 2018-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently addressed illicit reporting of my XXXX XXXX debt to Transunion, via the CFPB Website. Transunion stated an investigation would transpire as affirmed by their response. In the midst of the investigation Transunion updated my XXXX XXXX   Account to reflect in Collections and my credit score plummeted. This occurred between XX/XX/XXXX & XX/XX/XXXX.

This is part of the settlement agreement with XXXX XXXX   was to reflect my account as paid and in good standing. This was after it was discovered it was there error to begin with resulting in a XXXX refund to me. CFPB compliant will confirm this.

We now have a credit reporting agency taking matters into there own hands with no real vestment in the outcome other than to what? As an act of retaliation because there own practices were non compliant to begin with as reported to the CFPB.

Both XXXX and XXXX have modified my accounts accordingly as instructed by the party who " suffered the loss '' not who got their hand slapped for non compliance. This isn't your right.
Consumer complaint received 2018-08-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

In XXXX of XXXX, I purchased my home and received a FHA mortgage through Wells Fargo, the cost of my home was $ XXXX. 

In XXXX, I went through the FHA HAMP program where they remodified my loan because I was having trouble making the payments. The loan did not substantially reduce my monthly amount. I went from {$2100.00} to {$2000.00} a month. 

Unbeknownst to me, a 2nd lien was placed on my property, through HUD through using a company called XXXX. To the tune of $ XXXX that included back payments, reduction of principle and legal fees. 

I find this out as im in the process of selling of my home and the balance that I owe Wells Fargo is $ XXXX + the $ XXXX from XXXX equals to $ XXXX. MORE than what I paid from my home. 

This is extremely deceptive and fraudulent. I know that Wells Fargo has been in hot water recently for such a thing and my immediate plans are to join the class action suit as there are thousands of consumers by me who have been duped by Wells Fargo. I would never advise anyone to get a mortgage from them.
Consumer complaint received 2020-09-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MN)

I been receiving phone calls of harassment, profane and abuse language, threats of been arrested and sent to jail from LVNV Funding for a debt of {$220.00} from the original creditor, XXXX XXXX XXXX XXXX XXXX, XX/XX/2015. The debt is the result of identity theft. The debt is not my debt. Its a fraudulent account and debt from the result of identity theft.
Consumer complaint received 2018-08-21
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: BTH Management (WV)

I discovered XXXX XXXX on my credit report on XX/XX/XXXX. According to the credit report, the account with XXXX XXXX has been opened since XX/XX/XXXX. 
I have never received notification by mail that I owed this debt. 
On XX/XX/XXXX, I was told by a XXXX XXXX representative that the original debtor is XXXX XXXX XXXX which was opened on XX/XX/XXXX. I requested back-up paperwork to see if it is my debt. As of XX/XX/XXXX, I have not received the back-up paperwork. 
I checked my bank statement for the date of XX/XX/XXXX and I show no deposit by XXXX XXXX XXXXXXXX. 
In XX/XX/XXXX, I moved to West Virginia. I researched the XXXX XXXX   XXXX website and discovered you must go to a store to get your money. The nearest store is in Ohio. I did not go to a XXXX XXXX XXXX store.