davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-28
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: WELLS FARGO & COMPANY (AZ)

I had someone scam me and take over my account and transfer over XXXX $ from my credit cards. Due to this all my credit cards have been closed because I am a XXXX  and am unable to pay this debt with the growing interest. I tried speaking multiple times with Wells Fargo and they denied my claims. In their reports they have the phone number that scammed me, they knew the person lived in XXXX XXXX, AZ and they did not return the money that was charged. Wells Fargo ruined my credit. They returned a small amount of the XXXX but with interest I can not pay and they closed all accounts to tell me there is no further research they can do to refund the money or reopen the credit card that they rightfully closed. If I was a senior citizen or had more money in my account they would have returned the money to me but since I was a XXXX I was unable to get the money that was taken in cash advances off my credit cards. I tried my hardest to resolve the situation but this is my last resort. I really need help this is unfair to ruin my credit when it was a hacker who used XXXX to send cash advances overseas and wire advances to names that are hard to pronounce. The hackers told me they would take a cash advance to give to their sons and then would send me a fake check to deposit that would help me also pay for my career and a new car. At the time I needed one and was attempting to start an XXXX XXXX and believed this person to be a sponsor.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (GA)

This grumbling to APPLE CARD-GS BANK USA was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it.

As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect. I have also attached the FTC reports to support this complaint with the FTC numbers XXXX ; XXXX and XXXX
Consumer complaint received 2019-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (FL)

XXXX HAS INDUCED ME TO APPLY TO WELLS FARGO UNDER FALSE PRETENSES The complaint is where XXXX  has made false and misleading advertising, as they failed to provide a full disclosure in their services that provides matching credit cards with their credit card partner Wells Fargo I am a subscriber and via my membership number XXXX per their notices to me, that I am eligibility for elite rewards cars. As I earned access to elite credit card matches to top-tier cards with my terms of my level of credit can access. From generous cash back to ample airline miles, its all my for the taking. 

Based on their matches I applied for one of their matches of tier partners Wells Fargo on XX/XX/2019 as my credit file has earned access to elite credit card matches to top-tier cards. My application was denied. 

XXXX failed and made false and misleading statements with not providing a full disclosure by inducing me to apply for a credit card by one of their partners for which they receive compensation. 

False and misleading statements are in direct violations of federal law and XXXX must held responsible to correct false and misleading statements, as their failure to provide a full disclosure. 

My credit standing is impeccable with a history of credit card payments as well with the stability and credit standing to purchase a home and being able to secure a mortgage. 

False and misleading statements are in direct violations of federal law and XXXX must held responsible to correct false and misleading statements, as their failure to provide a full disclosure. 

Because of XXXX XXXX and misleading statement and failure to provide a full disclosure has now has blemished my credit bureaus files as Wells Fargos credit inquiry will stay on my credit file for two years as the inquiry has lowed my credit score. 

CFPB has the duty under federal law to correct False and misleading statements and failure to provide a full disclosure by XXXX and I as a consumer are protected under federal law to seek justice to the American consumers.
Consumer complaint received 2019-07-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NJ)

Land RECORD 'S manipulation. Someone removed an assignment of mortgage from my county Land file without the required court order to do so legally After finding this I also found that XXXX XXXX gave POA to NATIONSTAR MORTGAGE in the SERVICERS POSITION ONLY and NATIONSTAR MORTGAGE then ASSIGNED THE LOAN right back to none other than XXXX XXXX both of whom are under the XXXX XXXX XXXX UMBRELLA which speaks to self serving COLLISION between two entities from the same company!! 

I've filed complaints against NATIONSTAR MORTGAGE before as they are the most abusive debt collector of all the other bottom feeders This land records manipulation is a HUGE offense against the middle class homeowners in my county of XXXX NJ and must be fully investigated as it appears the county clerk herself is aiding and ABETTING this illegal activity. There are thousands of these ILLEGAL POA transfers between XXXX XXXX and NATIONSTAR MORTGAGE for the sole purpose of foreclosing on unsuspecting homeowners. They must be punished to the fullest extent of the law. My home is set for auction next week with illegally inserted assignments to new entities that I never contracted with. It's beyond abusive and illegal
Consumer complaint received 2022-10-06
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. (IL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected, consumer rights to privacy and confidentiality under 15 USC 1681 XXXX Loan number XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX Balance {$25000.00} XXXXXXXX XXXX XXXX Account XXXX Balance {$20000.00} XXXX XXXX XXXX XXXX Account numberXXXX Balance {$19000.00} XXXX XXXX Account numberXXXXXXXX Balance {$12000.00}, all has violated my rights 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681 ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

For every credit reporting agency they have a XXXX XXXX listed on my account. My full legal name as it appears on my taxes and birth certificate is XXXX XXXX XXXX XXXX Also, duplicate, and even triplicate addresses are on my report and Ive attempted both in XXXX of XXXX, XX/XX/XXXX and XX/XX/XXXX to have this information removed, corrected or have the source of incorrect information contact me for proof of the inaccurate or incomplete names and addresses on my reports, especially if they are reporting an account on my report as well. Both XXXX  and Equifax somehow find that my legal evidence doesnt warrant potentially fraudulent account names associated with my report.
Consumer complaint received 2020-02-26
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. (NY)

I viewed a copy of my credit report via XXXX in XX/XX/2020 and I noticed an account, listing as collections on my credit report and I do not have a collection account. The account that is listed on my credit report in the name of XXXX XXXX and has an amount of {$4700.00} balance that I PAID and DO NOT OWE. 
I wrote Transunion and XXXX  on XX/XX/2020 and asked them to please remove this negative reporting from my credit report and they refused to remove it.
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I made a payment on my Chase bank credit card for {$25000.00}. Without letting me know they placed a hold on it till XX/XX/XXXX. They debited the funds from my checking account right away. Why did they not contact me regarding the hold? Why would they place a hold on the funds for so long when they took it right away? It has caused a hardship as I am out of the country for vacation and needed the room available to travel. Thank you.
Consumer complaint received 2019-10-15
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: Westlake Services, LLC (WV)

Westlake financial has a derogatory account on my credit report for a vehicle in which they never owned or had the title to. The account has kept me from gainful employment and from achieving the credit score I desire. I have called them over a hundred times but to no avail. I recently demanded Mr XXXX respond to me immediately. Of course he has not. So before I file suit I just want your advice and assistance with the matter. This issue has been going on since 2015.
Consumer complaint received 2019-07-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NAVY FEDERAL CREDIT UNION (VA)

I am a Service XXXX XXXX XXXX  Veteran at present existing on Subsistance Funds. I discovered on XX/XX/2019, that Navy Federal Credit Union ( NFCU ) had on XX/XX/2019, removed {$1700.00} of Chapter XXXX protected/exempted Veterans Benefits monies from my checking and savings accounts. An attempt to retrieve monies I owe for debts lost due to my being defrauded. I contacted NFCU about the problem and was told to provide proof of Protected Funds. While doing so, on XX/XX/2019, NFCU captured and removed another {$2600.00}, Chapter XXXX protected/exempted subsistence check, totaling {$4400.00}. 

That was coming back to me from the college I attend under the Chapter XXXX Veterans program. I faxed 3 letters of proof of Protected/Exempted Funds. In addition to calling again and speaking with the LCR Department Customer Service person XXXX, then her Supervisor, XXXX, a third time. Where I was told the only way I could retrieve my funds was to agree to turn over my entire protected monthly subsistence check. Then she would only return a small portion of what was taken. 

Then when I requested to speak with a Manager. XXXX told me that the only person of stature I could discuss this with was herself. Even with a letter from the Attorney of my having filed Bankrupcy, and another letter from my Veterans Representative expressing my Chapter XXXX status and the school of attendance. Both provided contact information for any additional and necessary information. XXXX refused and said she was not going to refund to me any amount. 

This was on my fourth call back after being promised a return call from XXXX twice. Including my being hung up on twice.
Consumer complaint received 2019-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2019, I applied for the XXXX XXXX card from Chase Bank. A letter dated XX/XX/XXXX, arrived at my address saying I needed to send proof of current physical address. The following week, I went to a chase branch with a copy of my utility bill which was listed as an acceptable document. I told an employee my situation and he said he would take care of it and would fax the proof to the number listed. Today, XX/XX/2019, I called the card status line and was told my application was under review and I would receive a decision in writing in 7-10 business days. I had received the same response more than 2 weeks ago so I called a customer service number. I was then told that my application had been declined. Since I had not received this in writing, I asked for the reason. The representative said that they did not receive proof of physical address. In all, I was declined the card without receiving a written notification like the status line had said. I also had my personal information mishandled and sent to who knows where since it was not received by Chase. My credit will now reflect a hard inquiry which will make me look bad when I try to apply for another card. Also, the promotion I was trying to receive has since expired and I will miss out due to mishandling on Chases part.
Consumer complaint received 2019-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Metro Collection Service Inc. ()

Good day My name is XXXX XXXX, in XXXX I opened an account with XXXX there after I failed to pay in XXXX, that accounts was handed over to XXXX ( a dept collector ) later XXXX   handed it over to XXXX collection ( another dept collector ). 

To my surprise now their records are showing that I opened an account in XXXX with is pure lies, so I need to report this to you.
Consumer complaint received 2019-10-01
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. (CA)

I am a victim of identity theft ; I discovered accounts reflecting badly on my credit report today XX/XX/19 when I was denied from opening a credit card at my bank. None of these accounts are mine ; I did not open them nor have I ever gave anyone permission to open them in my name with my personal information. I have reason to believe that these accounts belong to my father XXXX XXXX XXXX. I have already filed a police report regarding these accounts. I do not have any written/verbal contract with any of those companies and I never allowed them to run or access my credit file. I never gained anything from these accounts such as money, goods, services or any other benefit.
Consumer complaint received 2019-10-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

I have been paying on this loan since XX/XX/2011 my loan went from XXXX to now XXXX they not applying any of my payments to the principal, I've had some late fee and deferments, but I have paid over XXXX on this loan and they find a way to add it to my principal, I talked to them about it and they told me something about capitalize interest, that I don't understand, I can pay XXXX a month for the next 10 yrs and still be @ the same balance I don't think it's right, my balance would be lower.
Consumer complaint received 2020-02-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (NJ)

I have a credit card debt in collection. The collection agency is XXXX, XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX. 
I have been paying this debt to XXXX, XXXX, XXXX  XXXX with monthly payments of {$100.00}. I pay this amount on their web site. The problem with this collection is I never receive any statements total amount due. I emailed them twice with NO RESPONSE WHATSOEVER stating that I will no longer make monthly payments due to their secretive, no monthly statement collection practices ( see attachment ). I had also called them at least two times explaining my displeasure. It has been almost two months since I contacted them via the aforementioned emails and they have sent me a threatening letter with the total amount due. 
XXXX 's collection method is deceptive and I believe unlawful with consumer law. I am XXXXyo and living on a tight budget from my monthly social security. 
Thank you for your attention in this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

So I saw an ad that they could lower my interest rate. 

Gave them my information, and they put 2 hard inquiries on my report. One from XXXX XXXX XXXX and another XXXX XXXXXXXX. 

I try calling XXXXXXXX XXXX and they say to call the banks and then the banks say to call XXXX XXXX Then XXXXXXXX XXXX  said to call Transunion. Transunion said to call XXXX XXXX and I explained to them I have and they advised I call you guys.
Consumer complaint received 2019-10-15
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: BARCLAYS BANK DELAWARE (NV)

I have pulled a copy of my XXXX credit report only to find multiple inquiries that I did not authorize. I have disputed the inquires only for XXXX to respond with a verified letter and to contact the creditor. I do not know how XXXX verified anything when I could not get any information regarding the unauthorized inquiry. I asked for a signed application bearing my signature and no one can produce one nor can they see where I applied. The name of the inquiry in question is BARCLAY. I shows two different dates of XX/XX/19. I should not have to keep going back and forth with XXXX regarding unauthorized inquires. This is affecting my score and bring my score down. I have started shopping for a home and these inquiries are damaging. Remove them immediately!
Consumer complaint received 2017-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Hello, I am really hoping that you guys can assist me in removing these negative erroneous items from my credit report. I have reported all of the accounts that were not supposed to be on my report. As a matter of fact I have initiated an investigation more than once with each credit bureau with no response from either bureau. I have several things on my credit which are preventing my family from moving forward in the homeowner process and many other aspects of our financial life and freedom. Please assist me with getting these negative erroneous things removed from my credit as they are accounts that have been falsely reported to my credit report.
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have been reaching out to TransUnion concerning to previous complaint about the inaccuracy being reported on my report. However, TransUnion have failed to provide me any feedback and updates with regards to my concerns. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Please see the following list of the inaccuracies I found on my report : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-10-15
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Valentine and Kebartas, Inc. (PA)

My name is XXXX XXXX. I received a phone call this evening at XXXX from what showed up on the callerID as " XXXX , PA ( XXXX ) XXXX. '' This came up as XXXX XXXX ( e.g. XXXX or XXXX XXXX ) type. The person on the other end, when asked, stated that her name is XXXX****. Due to a persistent hearing issue I have, I could not clearly catch her name, even after asking twice for it. I then was told that the company calling me is Valentine Kebartas Inc., located at XXXX XXXX XXXX, XXXX . XXXX, XXXX, MA XXXX, and that the phone number of the company is ( XXXX ) XXXX ( ext. XXXX??? ) and this was in an attempt to collect a debt. Because I had never heard of the company and that the call came from a type associated with most scams, I stated that I would not confirm my name unless I knew the name of the client attempting to collect such a debt. The woman claimed that the company have several clients and would not provide any further information for said debt. After I stated that without the name of client, I have nothing to confirm, she then stated that the company will continue to call me nonstop.
Consumer complaint received 2019-10-15
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. (GA)

There are multiple inquiries on my credit report that I did not authorize. I have attached my driver 's license and my identity theft affidavit to this complaint. The following inquiries that need to be removed are below : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ( XXXX ), XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX should not be reporting 3 times, 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.