davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-29
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. (MI)

Based on, 15 U.S. code 1681i - procedure incase of disputed accuracy states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S. Code 1681c2 - Block of information resulting from identity theft states, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of 616. Civil liability for willful noncompliance 15 U.S.C. 1681n states, Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of It has been 30 days and you are in VIOLATION of these laws because I am a victim of identity theft & I have provided the proper documents to prove such. Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

Inquiries 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
Consumer complaint received 2022-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (IL)

Hello, I am a XXXX XXXX not in XXXX XXXX  and my computer was hacked by someone claiming to be from XXXX. I just noticed in my email that several complaints with you were filed by this hacker. I have not filed any complaints and would like them withdrawn. They are listed below and I have changed my password to your site XXXX XXXX XXXX Your complaints COMPLAINT ID PRIMARY CONSUMER PRODUCT AND ISSUE CONSUMER-IDENTIFIED COMPANY SUBMITTED STATUS XXXX XXXX XXXX General-purpose credit card or charge card Problem with a purchase shown on your statement CHASE BANK CREDIT CARD XX/XX/2022 Closed Marked as a duplicate complaint on XX/XX/2022 XXXX XXXX XXXX General-purpose credit card or charge card Other features, terms, or problems CHASE BANK CREDIT CARD XX/XX/2022 Closed Feedback provided XXXX XXXX XXXX General-purpose credit card or charge card Problem with a purchase shown on your statement CHASE BANK CREDIT CARD XX/XX/2022 Closed Feedback provided
Consumer complaint received 2022-06-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC (FL)

On XX/XX/2022, the credit card company alleges that XXXX XXXX made charges approx XXXX to this account. This is not correct, and XXXX attempted to resolve the issue with paperwork faxed, they refuse to remove the charges. We are all at great loss and will not advise of their paperwork, and who got the money. It appears to be fraudulant activity by the company itself and it will not remove the charges or set me free as it is impacting my credit report as it shows a debt owed and they continue billing me. I have tried as well as XXXX XXXX to get the issue resolved and the company advises they will review and get back to us in XXXX days and nothing happens. I am needing great help for this fraud and extorsion for a sale of items I never received or got. XXXX XXXX can confirm all of this information.
Consumer complaint received 2018-10-17
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (IL)

Best Buy Account # XXXX In short, I purchased a television with an extended warranty. Best Buy was unable to repair the television so they agreed television back and credit my account accordingly. This was never properly done resulting in a credit default. Best Buy has countless notes reflecting our conversation and have since informed me that they are no longer handling this account.

After multiple escalations within the credit department at Best Buy I was assured that the account has been settled. I have recently received communications from CITI stating that my credit has been negativly impacted and I still have an outstanding balance. 

This account has been forwarded to the following two collection agencies : CITI XXXX. XXXX  XXXX XXXX XXXX, MO XXXX Account # XXXX Again, Best Buy has countless recorded conversations confirming that this debt was paid in full. They also have notes reflecting a XXXX balance.
Consumer complaint received 2022-06-15
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

I am having a very difficult time with my new servicer Rushmore. I was transferred last month from XXXX Mortgage to Rushmore. I was told by XXXX Mortgage I was unable to receive a modification after falling behind from COVID. I am XXXX Vet and lost income. I reached out to XXXX last week to confirm they have my mortgage and they stated they do and I do not have a sale date on my property. For the past XXXX weeks I have been getting my property ready to go up for sale so I can avoid a foreclosure and resolve my debts. Now this week I have been told I do have a sale date. Out of now where I have a sale date of XX/XX/22.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX  Delaware XX/XX/2018 I have sent a written letter to TransUnion and I called them Personally. They said they could not help me dispute the inquiries and that they will stay on for two years.
Consumer complaint received 2019-03-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (MD)

PNC BANK-they are very deceitful. 

Dear CFPB I have contacted PNC Bank at least 5 times now and they keep lying, they use to be a good bank -now evil. Now they have begun to put money into my account and saying that I put it there when in fact I did not, I talked with a worker from their Corp office and she told me that she would close it, but she did not. 
They keep it open because now they have put money there, and saying that I can not close it, because of the money {$170.00} - not mine.
Consumer complaint received 2022-02-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (TX)

XXXX XXXX alleged that I was responsible for carpet repairs after moving out of an apartment in 2017. Rather than make a claim using an appropriate forum, they incorrectly asserted that my obligation was a liquidated debt. Hunter Warfield continues to incorrectly characterize the claim as a debt. 

In any event, the claim is time barred by the statute of limitations and no debt exists.
Consumer complaint received 2018-04-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc. (MI)

To Whom It May Concern : I am writing in regard to an account for which I am being collected from GM Financial. When I was married, my ex-husband and I purchased the vehicle for his use and upon our divorce, he was court ordered to assume the responsibility for the vehicle. He subsequently had the vehicle repossessed and as he is " uncollectable '' ( on and off the grid, infrequent employment and unable to locate ) - they continue to come after me. 

I've been divorced for 6 years now and have worked over these past years to get my credit back. I am now finally in a position to purchase a home for me and my daughter and the GM Financial debt is an obstacle. 

I have been in regular contact with GM Financial for 6 years and am attaching a letter I wrote to them in XX/XX/XXXX which will provide background and also attached my Judgment of Divorce. 

Please help us. My daughter has minimal contact with my ex-husband and I am the one providing her a safe home and foundation. I have cried, begged and pleaded with GM Financial to abide by the Courts order and ensure the liability lies where it belongs, with my ex-husband. 

Thank you in advance for your help. 

XXXX XXXX XXXX
Consumer complaint received 2019-08-29
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. (CA)

Experian Credit Bureau re- inserted a fraudulent account bank on my credit a year later after they removed it while I was in the middle of refinancing my home. 

The account was manufactured in my name and they have a copy of my police report and fraud affidavit in there database. I find it immensely frustrating that they would re-inserted the unknown account back on my credit an year later without notice/warning. I have filed a complaint with the FTC an the AG office as well. Also is says the account was included in BANKRUPTCY when I have not filed for BK- in addition it says the BK occurred in XX/XX/2013- if that is the case why would they re-add it 7years later!! 

Account name XXXX XXXX XXXX Account number XXXX .... 
Debt included in Chapter XXXX Bankruptcy on XX/XX/2013 XX/XX/2013
Consumer complaint received 2018-04-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

To whom it may concern ; My wife and I have a mortgage with Wells Fargo that they have refuse to modify. We have also tried to refinance away from Wells Fargo to no a veil. The last company that we tried to refinance with advised us that Wells Fargo has credit reported over {$17000.00} in the rears which is not true. We were in foreclosure, we brought the loan current last XX/XX/XXXX. I n XX/XX/XXXX of last year Wells Fargo raised our mortaage payment {$400.00} a month. Just last week we received a letter from Wells Fargo that we are over {$8000.00} past due, which again in not ture. We are only 2 payments behind. Our mortgage payment is {$2100.00} a month. We did a loan modification back in XX/XX/XXXX which was a step rate modification which has put us back in the same situation we were in before we modified our mortgage in XX/XX/XXXX. My wife and I want to modify our mortgage so we can afford to stay in our home or refinance away from Wells Fargo with a refinanced mortgage that we can afford to make every month. With our mortgage payment being {$2100.00} a month we are struggling to make the mortgage payment every month, which is why we'very fallen behind again. We are trying to avoid going back into foreclosure again. Wells Fargo has made it with our credit report that no one wants to refinance us and Wells  refuses to modify. We need help, we do not want to loose our home.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Caliber Home Loans, Inc. (IN)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2018-04-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP (PA)

I, XXXX XXXX XXXX, am a XXXX XXXX. I represent a client in XXXX who is the victim of a socially engineered spearphishing attack. My client 's daughter 's email account was hacked, and the hackers were able to look through her email history and learn she will be getting married in XX/XX/XXXX. Using her email account, the hackers sent an email to my client posing as his daughter and asked for money to help pay for wedding expenses. My client responded by email and agreed, and asked for bank wiring instructions. The hackers sent him instructions to wire money to a U.S. Bancorp ( US Bank ) account in XXXX XXXX, CA. On XX/XX/XXXX, my client wired {$38000.00} to the account. Almost immediately, the hackers were able to make two cash withdrawals totaling {$10000.00}. The next day, the hackers made two cash withdrawals totaling {$19000.00}. 

My client realized on XX/XX/XXXX he had been scammed and alerted his bank, XXXX XXXX in the XXXX XXXX, who contacted their correspondent bank in XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX in turn contacted US Bank, at which point US Bank placed a freeze on the account in XXXX XXXX. By that time, {$19000.00} remained in the account. 

I have been able to track down the beneficial account holder, who lives in XXXX XXXX. I convinced the account holder to return to my client the remaining {$19000.00}, and he has received that money. I also convinced the account holder to allow me to have access to her bank statements. Based on the statements, I determined there were two large deposits followed almost immediately by four large cash withdrawals. US Bank has not been forthcoming in providing information with respect to those cash withdrawals -- I would like to know where the money was withdrawn, how, and by whom. 

Based on the two large ( {$10000.00} and {$37000.00} ) international wire transfer deposits, followed almost immediately by large cash withdrawals, it appears that US Bank failed to utilize appropriate anti-money laundering measures. Even if US Bank did have an anti-money laundering measures in place, the large international wire transfers and immediate cash withdrawals should have raised red flags and triggered immediate scrutiny. Furthermore, the two international wire transfers originated in XXXX and XXXX, two countries known to have rampant money laundering and bribery problems, and which are on the U.S. Department of State 's list of Major Money Laundering " Countries of Primary Concern. ''
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Under the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), there exists a crucial need to ensure that consumer reporting agencies discharge their duties with fairness, impartiality, and utmost respect for the consumers right to privacy. Recognizing XXXX, XXXX, and Trans Union as consumer reporting agencies, and myself as the Consumer, I assert my right to safeguard my private information. This right is reinforced by 15 USC 6801, which mandates that financial institutions uphold customer privacy. The corporations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fall within the XXXX XXXX XXXX institutions described under this statute. Per 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies are authorized to furnish a consumer report solely in compliance with the written instructions of the consumer. XXXX, TransUnion and XXXX lack my consent to furnish this information in regards to the above mentioned financial institutions and are devoid of my written authorization. Any form of consentbe it verbal, non-verbal, written, implied, or otherwiseextended to XXXX, TransUnion and XXXX is hereby revoked. Moreover, 15 USC 6802 ( b ) ( c ) stipulates that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to opt-out. Regrettably, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX failed to apprise me of this option in any clear conspicuous manner.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2024 I contacted XXXX regarding several items reported negatively on my consumer report. I advised them that they were in non compliance per 15 USC 6801-protection and non public personal information to report my transaction information. I did not consent for my transactions to be reported. These are the companies that I am filing a dispute on : XXXX, XXXX XXXX, JMCPB
Consumer complaint received 2022-07-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditor's Collection Service, Inc. (VA)

This debt collector has violated my rights under the FDCPA so many times. They failed to provide documentary evidence that I owed them the alleged debt that they reported to the consumer reporting agencies. After I sent them my Cease and Desist and Debt Validation documents, they removed the negative account from my consumer reports, but the fact that they removed it, proved that they were violating my rights and they are liable under 15 USC 1692k for the violations.

They were sent an Affidavit of Truth and that stands unrebutted ; an unrebutted Affidavit stands truth in commerce. This further proves that this debt collector is being willfully noncompliant and they are to be held responsible for the violations. 
I have sent them an opportunity to cure due to them defaulting and they completely ignored it.
Consumer complaint received 2022-06-15
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. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-01-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

My loan was acquired by XXXX  XXXX XXXX XXXX, associated with PHH Mortgage Services - after I fell behind two mortgage payment, I reached out to them to resolve the issue - they proposed a repayment plan over 6 months to rectify the issue - I followed through on my part of the agreement, and sent them two checks, which were good, for the first two months of the repayment plan - they held each check for a month and then returned them, stating because my account had insufficient funds for the second mortgage payments, which I had already I acknowledged I missed in reaching out to them, that the repayment plan was now void - this despite the fact the agreement proposed by XXXX XXXX, to which I agreed, was made two weeks after the two missed mortgage payments - I have been in touch with my Case Manager, XXXX XXXX, but he was unwilling, or unable, to resolve their mistake - they have now pushed my mortgage into foreclosure, this when it was XXXX  XXXX XXXX  company who did not honor their part of our agreement, which was both recorded in audio by them, and to which they sent me a letter acknowledging that agreement - this company has numerous complaints against them, according to the XXXX XXXX XXXX website, and should be investigated for fraud - all they want is the deed to my property..
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

There are inquiries reporting to my Credit Report that were not made by me. The inquiriesconsist of : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX, XXXX Finance, Personal Inquiry date : XX/XX/XXXX XXXX, Personal Inquiry date : XX/XX/XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX  DATE : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have multiple Hard Inquiries that I did not authorize. The company of the inquires and dates are listed as such : 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 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