davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-26
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. (CA)

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 2021-07-25
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. (NJ)

I have a student loans from XXXX unfortunately i have a XXXX  XXXX and therefore my student loans was discharged by bank, i have received from XXXX XXXX  a proof of a letter that loans was discharged and no obligation to repay the loans. But unfortunately all three credit companies ( Transunion, XXXX  and XXXX  ) keeps an amount of {$26000.00} and {$25000.00} on my Credit Reports as a Balance. i was trying to Dispute on their websites a few times on XX/XX/XXXX but always appear a message " '' We encountered an error when trying to access your credit history report '' '' '' '' Because loans was XXXX XXXXe balance on my credit report account has to be XXXX and account should be closed. with out this my credit report in very low level, i am unable to rent any apartment for living.
Consumer complaint received 2018-04-28
Product: Credit card or prepaid card — Payroll card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: CITIBANK, N.A. (TX)

Citigroup has a government contract to implement the federal charge card system, SmartPay 3. Citigroup is currently currently conducting age discrimination against 18 - 21 year olds due to their new firearm policies that runs counter to laws and regulations passed by Congress, and infringe and discriminate against an individuals Second Amendment rights. Citigroup should not be allowed to have government contracts when they are flagrantly violating the rights of the very individuals who are forced to utilize their products.
Consumer complaint received 2022-02-26
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. (CA)

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 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

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 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 2019-07-31
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

Been dealing with Wells Fargo Home Mortgage on the modification process which started after a natural disaster and family loss the repairs were completed and the inspection was approved recently had to signed the paperwork including a split signature due a change on the personal status spoke with multiple employees after received a email from Mr XXXX XXXX who guided me trough the process this process of modification was approved and completed on XXXX/XXXX/2019 I was informed via email today XXXX/XXXX/2019 I received a XXXX package with the old forms dated back from XXXX/XXXX/2019 in blank they sent a check list along with these and it seems they want me to start the process with these forms again I called the XXXX XXXX XXXX number and is disconnected then I proceeded to call the XXXX XXXX XXXX were I spoke with XXXX who got irritated and transferred the call to Ms XXXX XXXX who after a while she placed me on hold as she stated that another department will assist me she mentioned that the paperwork was damaged after call after call I ended with the customer care recovery XXXX who confirmed that on their end my Modification is been approved and completed so he seems confused so he suggested I open a complaint as according to the settlement team my paperwork was damaged misplaced he was not clear I then proceeded with the complaint as this exhausting and stressful process was completed on both ends and now two three days they sent me these blank forms to start all over again my information is been misplaced between their departments and personnel they must follow as their own email stated on XXXX/XXXX/2019 and they are fully liable for their lack of privacy protection on my personal information which was even notarize and sent back in great condition to them via XXXX according to the federal law they are obligated to answer my concerns and they are not able to at this pint after my multiple calls and talking to their employees there I have copies of the documents I sent to them never tough a Company like this doesn't take these type of legal documents seriously and protected according to the law
Consumer complaint received 2018-07-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have recently attempted to open a bank account at several locations which ultimately makes me look bad on my consumer report come to find out some had used my social security number to open 2 bank accounts with Bank of America N.A in 2013 with my social but different identification number. I have made several attempts to work with Bank of America in person at several locations explained my situation advised them of my wallet being stolen and how I had made a police report in regards to my car being broken into and how my wallet had been stolen from my car, they disregarded me and reported me to XXXX XXXX as fraud, which has prevented me from establishing any type of bank account or being credit worthy.
Consumer complaint received 2021-03-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ECMC GROUP, INC. (NV)

I went into default 8 years ago with educational credit management for a school loan.They sold my debt to performant creditor. I made payment arrangements of XXXX dollars a month on the XXXX to be direct deposited out of my account. I have never been late or had a missed payment. They send me a letter each month saying they are taking out XXXX dollars and the account information. Educational management sends me letters every four years stating that I need to settle the account. I called up and they told me I am in good standing then they transfer me to a lady that says I must resettle the debt. I told them I had made arrangements with the creditors they sold my debt to. They said those are volunteery payments and dont count. Now thet sent a letter saying I am in default even though they took out XXXX dollars XX/XX/2021. Now they sold my debt again to a credit company XXXX and they added XXXX in fees. I am paying the original agreement as agreed they are harassing me in and already stressful time covid. I have bank records proving I payed as well.
Consumer complaint received 2023-01-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (NC)

In accordance with the Fair Credit Report Act Affirm has violated my rights. Allowing a late payment reporting on XX/XX/22 on two accounts. Under 15 U.S. Code 1681 Section 602 states There is a need to insure that consumer reporting agencies exercise a respect for the consumers right to privacy. 15 U.S. Code 1681 Section 604a Section 2 also states, any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 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 2022-10-08
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. (TX)

I have called multiple times disputing these items that are unauthorized accounts and inquiries that I demand deleted. I believe the 3 main credit reporting agencies XXXX, TransUnion, and XXXX this a deliberate act of discrimination, I am displeased that you included the following information in my consumer report and that you have failed to maintain reasonable procedures in your operations to ensure the highest level of accuracy in the consumer report you publish. this grave error has damaged my confidence in your companys procedures, and because of this I will no longer be extending credit, and I will not be extending my consumer credit if this information is not removed
Consumer complaint received 2019-05-25
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. (DC)

On XX/XX/2019 I received a notification from XXXX XXXX that according to my Transunion credit report someone added me as an authorized user to their XXXX CARD. I never authorized anyone to add me as an authorized user for any credit card. I attempted to resolve the issue with XXXX XXXX XXXX ; however, was transferred to four different people all claiming they could not assist me. I made another attempt today and was kept on hold until the department I was trying to reach was closed. I am trying to get myself taken off some stranger 's account before my own credit becomes affected. I also attempted to file a dispute with Transunion but I keep receiving a message that their system is down. I reached out to XXXX XXXX but was told they are experiencing high volumes.
Consumer complaint received 2022-02-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2022, I became a victim of a scam attempt that used Wells Fargo ( WF ) XXXX 's service to obtain money from my bank account. The perpetrators used a caller ID that matched the Banks customer service line identically. I was instructed by the " bank rep '' to pay myself a grand total of {$3500.00} via XXXX to cancel out a hackers attempt who was trying to steal my money. I called Wells Fargo to confirm if this action reflected on their end, unfortunately it did not which resulted in my funds being stolen. I filed a fraud claim with WF and later found out that the claim was filed with the non-fraud department who denied my claim which resulted in a total loss. I later found out that XXXX XXXX XXXX ( XXXX  ) customers had also become victims of the exact same scam attempt I had been experienced. However, XXXX  obliged with their members request for protection under the federal Electronic Fund Transfer Act : regulation E, established by the Consumer Financial Protection Bureau. I attempted to file a new claim with the fraud department ( correcting WF initial mistake of filing with the wrong dept. from my first claim ) given the new intel on XXXX 's policies. After further review, WF pleaded that since I authorized the " transaction '' it is not considered fraud and they decided not to compensate me in any manner. I am filing this complaint to reveal that WF does not follow the federal law to protect its members and I hope the consumer financial protection bureau will follow up on this issue.
Consumer complaint received 2021-04-14
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. (PA)

I like to file a dispute for unidentified fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX  XXXX XXXX  XXXX and XXXX XXXX / XXXX XXXX. I have attached ID Theft Report XXXX with this complaint. Please review.
Consumer complaint received 2019-07-31
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 have made numerous disputes through Transunion regarding the incorrect reporting by XXXX XXXX XXXX. Transunion is aware that my identity was stolen, likely due to several data breaches that my profile was part of. XXXX XXXX XXXX did not allow me to take the proper steps to dispute the fraudulent charges due identity theft and I was unaware, due to XXXX XXXX XXXX sending documents to me through the incorrect mailing address and telephone number. XXXX XXXX XXXX was sending documents to me, to an old mailing address that I had five years ago, which I had reported to the CFPB. In my last complaint/dispute that explained this to Transunion, they did not do a proper investigation because if they had, they would have found out that XXXX XXXX XXXX was sending documents to an old address, in which they should have had my new address because I updated it, over a year ago. XXXX  XXXX XXXX did not send me documents until late XXXX to my current address, in which they retrieved from Transunion during my dispute. Still to date, XXXX XXXX XXXX has not responded to my last dispute/complaint, which was on XX/XX/2019, through the CFPB. It's been over 40 days and within the time of that dispute, XXXX XXXX XXXX sold my account to a creditor named XXXX XXXX XXXX, as told to me by a XXXX  XXXX XXXX representative, after I told them that they had not responded to my last dispute/complaint through the CFPB on XX/XX/2019. In less than a month, on XX/XX/2019, XXXX XXXX XXXX had sold my account to the name above credit agency without handling my case of fraud and stolen identity. I would like for Transunion to remove XXXX XXXX XXXX from my credit report and the charges are fraudulent due to my identity being stolen and because XXXX XXXX XXXX has not responded to my dispute with the CFPB that was placed on XX/XX/2019 ( over 40   days ) and XXXX  XXXX XXXX sold the account to a collection agency, as told to me by a XXXX XXXX XXXX representative. XXXX  XXXX XXXX was made aware of my identity being stolen and fraudulent charges and they still left my complaint without a notification or response from XX/XX/2019 and sold the account. I would like for Transunion to remove XXXX XXXX XXXX from my credit report.
Consumer complaint received 2022-10-09
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. (CA)

On XX/XX/2022 I opened a dispute with several accounts with XXXX explaining that I didn't authorize the transactions. They then updated my credit profile with no resolution or change on XX/XX/2022. They are in violation of 15 US Code 1681I - Procedure in case of disputed accuracy. Their investigation was done in an improper manner. They didnt reach the right results. They left me with false credit reporting. I asked them to provide me with whom you talked to at these companies and to provide me with original credit documents and or evidence confirming that these reportings made by these companies of reference are legitimate and were validated by me. They, for the 2nd time, closed my dispute and didn't provide me with any proof and just left me with reportings again. It's already been more than 60 days and with no resolution nor did they send me anything in the mail. I am now demanding they remove it since they had more than enough time to investigate it and to provide me with what i was asking for. The companies in question are : XXXX XXXX  XXXX - {$300.00} XXXX XXXX XXXX XXXX - {$610.00} XXXXXXXX XXXX XXXX - {$2600.00} XXXX XXXX XXXX XXXX  XXXX - {$300.00} XXXX XXXX XXXX  XXXX - {$990.00} XXXX XXXX XXXX - {$900.00} XXXX XXXX- {$460.00} XXXX - {$900.00} XXXX XXXX XXXX - {$500.00} XXXX XXXX XXXX - {$140.00} Remove them now. you are violating my rights and now its consider fraud.
Consumer complaint received 2016-08-11
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (NY)

I want to have a mortgage with Chase. I have got a commitment letter. However, the rate is rather high as I compared with XXXX. I asked Chase if he can give me the same rate as XXXX. Chase said that is the best rate he can offer me. So I decided to switch to XXXX. 
I have paid {$500.00} for the application disclosure including appraisal fee. But when I want to have the appraisal copy, he can not give me because the appraisal itself has not been done yet. I am now using XXXX to get my mortgage done. 
I have requested through email on XX/XX/XXXX. Chase 's lender gave me so many nonsense explanation, such as ... 
1. He will ask the underwriter to send me the copy. 
2. He said give him a few days more. 
3. He said the appraisal is in the commitment letter. 
4. He said he never charge the appraisal fee. 
5. He asked me to contact processor do one for me. 
6. On XX/XX/XXXX email, he said to me not to worry and will order the appraisal very soon. 
My question is can I get my money back from Chase because I know that they can not give me the copy. 

Thanks.
Consumer complaint received 2022-02-07
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. (MD)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-03-06
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. (NY)

proof of validation and original contract .according to the fair credit reporting act 15usc 1681 section 602 a states a need to insure fairness and respect for consumer right to privacy.XXXX, transunion and XXXX are consumer reporting agencies.i am a consumer.15 use 6801 states protect the security and confidentiality of those customersXXXX XXXX  is financial institute by def under title .15 usc 1681 section 604a section 2XXXXXXXX XXXX, transunion XXXX XXXX and XXXX does not have my consent to furnish this information or written consent.any and all consent to Transunion, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXXweather it be verbal or non verbal written or unwritten is revoked. 15 use 6802 b c states financial institutes may not disclose non public information. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX never informed me of my rights to exercise my disclosure option.also 15 use 1681c a 5 except as authorized under sub sec b is against the law.
Consumer complaint received 2022-02-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: DISCOVER BANK (CA)

I was not able to pay my debt to Discover Bank Credit Card. I tried to work with them to get the interest rate reduced and a payment plan that I could afford but they were not reasonable. On XX/XX/2021 I recieved form 1099C cancelling and forgiving my debt to Discover Bank. Since this form is reported to the IRS as income, I do not owe the debt of. {$6300.00} to Discover Bank anymore and they need to report to all three credit reporting agencies that I no longer owe this debt and the status should change from charge off to cancelled with XXXX owed. This debt forgiveness substantially reduces my overall debts and aids me in repairing my credit. NOTE : I did NOT declare bankrupcy.
Consumer complaint received 2015-10-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

It has now been more than a year that I have no information on my mortgage account. Seterus has systematically refused to send me any information on my mortgage account for more than a year now. They have also shut me off any online access. I spoke with them at least 3 times in the past year. They responded that they needed to receive a " reaffirmation of debt '' from my ( bankruptcy ) lawyer. Even though my mortgage was never part of the bankruptcy, my lawyer still faxed them a Revocation of Legal Representation letter XX/XX/XXXX. This did not change anything. I am still barred from my account. I am not even sure how much I am supposed to pay monthly. Since XX/XX/XXXX I am paying {$540.00}. Is that still the monthly payment 2 years later? I do not know. Twice, I spoke with Seterus Customer Service, the last time XX/XX/XXXX. They promised me access to my account online, but it turned out to be a lie. I then filed a complaint with the XXXX. They responded they had contacted my lawyer but it was another lie.
Consumer complaint received 2022-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CLGF Holdco 1, LLC (IN)

XXXX sent my account to collections. After failing to reach a live agent with them, I reached out to the new creditor, XXXX. I was told that in order to get XXXX removed from my account Id have to pay them ( XXXX ). Since XXXX was the newest debt between the XXXX, I decided to pay XXXX and disputed XXXX. Now XXXX has been removed from my all my credit reports and XXXX is still showing as a delinquent account even though I attempted to pay through them.