davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I have been in active communication with Experian Credit Reporting Agency via US Postal Service via certified mail. 

I have spent countless dollars in an attempt to get inaccurate/invalid information permanently removed from my personal credit profile. In order to be proficient in getting this ongoing issue resolved, I send my dispute requests along with a valid current photo ID and a current bill via Certified US mail as to not delay the process or my request and to prevent mail tagging back and fourth from happening with the credit reporting agency. 

In my latest communication with Experian, in an attempt to finally have this issue resolved, I am providing a copy of the identity theft letter that I sent to Experian, along with a valid photo ID and current bill and the actual Police Report to this correspondence from them to reference and remove the items that are fraudulently displayed on my personal credit report.
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (CA)

Past due on mortgage payment, they suggested verbally and in writing a re-payment plan of four payments to catch up. Never explained verbally or in writing that the loan would have a negative affect on my credit and would show that it is past due for the period of four to five months. Phone calls an letters have been coming at me daily as if they are moving to the foreclosure process even when the re-payments are paid as scheduled. My credit has been damaged and I am now unable to be approved for bidding and payment bonds to support my XXXX XXXX income. They are reporting to credit companys as nationstar but I am paying to mr cooper, that was old lender.
Consumer complaint received 2024-02-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (CA)

Around XXXX to XXXX XXXX week of XX/XX/year>, I found out about an account in wells fargo bank that i never opened. Somebody changed my mailing address, contact phone number and email address in my wells fargo account. Someone transferred money from my account to this new fake account without my knowledge. I went to wells fargo and informed them about this. They helped to reverse transation but did not help me prevent such transactions happening in future. I further saw many suspicious fake transactions on XX/XX/XXXX. There were total 4 transactions on XXXX which were suspicious. Someone also opened XXXX  digital account in XXXX  without my knowledge. I called multiple times to XXXX but their customer service is worst and exhausing. Till today, XXXX has not helped me updating my actual phone number. On XX/XX/XXXX, Someone tried to open wells fargo account under my name without my knowledge. I filed the police report regarding these transactions to near by police station.
Consumer complaint received 2018-06-15
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. (OH)

I have never received any DOCUMENTATION from Experian or XXXX XXXX XXXX. I have never entered into any legal contracts with this company. This is extortion this account is appearing 3 times and no documentations has been provided and this is the third complaint. No documentation was provided with XXXX XXXX or XXXX and the account were deleted in 30 days. I has a police report as well as file a complaint directly with the FTC. Under the provisions of the FCRA 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) this account is not accurate No Proof of Claim has ever been provided. The law is very clear as the Civil Liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I have no problem with filing a law suits, however I would prefer to have a deletion based on the facts, that stand before the current situation.
Consumer complaint received 2023-09-12
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: FirstPoint Collection Resources (CA)

XXXX XXXX is in violation of privacy act 1974, I didnt give XXXX XXXX Consent to report my personal information I also dont remember doing any business with this company, do to XXXX XXXX violating my privacy rights, I have been Suffering emotional damage when it comes to purchasing a home for my children not only that I am suffering but my kids as well, this is call pain and suffering, I have been humiliated. I will like to opt out of this charge off, 15 U.S.C 6802-15 U.S.Code 6804 Obligations with respect to disclosures of personal information. Do to sending my information to a nonaffiliated third party such as XXXX, XXXX and XXXX other fraud has been committed under my name. XXXX and XXXX have already removed this item from my report so Im asking for XXXX to remove this item immediately Please show me where I gave XXXX XXXX the consent to share my personal information to these institutions. 15 U.S.C 6501-15 U.S.C 6505. 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
Consumer complaint received 2023-09-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc (TN)

I recently received a copy of my credit report and found several accounts that were opened in my name. I believe that I may be a victim of identity theft. This account was not opened by me or opened with my knowledge or consent. I did not use this account or even know that it was opened.
Consumer complaint received 2017-12-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

We have been working with XXXX XXXX XXXX XXXX for almost 7 months to complete a re-fi cash-out on a small vacation property. Our credit scores are exceptional and financials impeccable. Wells Fargo has either lost, misplaced or had documents expire which has prolonged this transaction beyond an acceptable time frame. The rate lock has expired at least 4 times. The title commitment expired after 6 months and Wells Fargo wanted to charge us the {$100.00} fee for updated title documents. I refused to pay that since that was due to their slow process. The appraisal had to be updated after 4 months. The payoff of the original mortgage had to be updated at least 4 or 5 times. There were at least 6 emails from Wells Fargo that stated we were in " Final review ''. That never happened because financial documents kept expiring and had to be resubmitted and then reviewed by their underwriting team. Turned into a vicious cycle in which I finally refused to submit more and more documents. Had to get upper managers involved to try to resolve this matter which may now be close to completing. This should have been finished months ago. LTV is less than 45 %! Could have paid this mortgage off with our own funds but wanted to lower the interest rate, lower the payment, and use the additional funds to pay off another investment property. Whole process has been unacceptable. We have completed many, many loans and this has been the worst loan of them all!!!
Consumer complaint received 2020-11-06
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. (NY)

Currently, there are three separate loans for completing my XXXX XXXX XXXX which are reporting negatively on my credit report instead of just one which is causing me a problem when trying to downsize my current living situation so I can ensure I will not have any continued difficulties in meeting my financial obligations. 

Due to COVID-19 pandemic, I can no longer afford the rent at my current apartment and I need to down-size to a smaller less expensive apartment. However, because the credit requirements are now more rigid due to the COVID-19 pandemic, one of the main reasons for me being denied is due to the late payments on the three ( 3 ) loan disbursement dates of XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. 

I have since consolidated these loans and are currently making payments.
Consumer complaint received 2023-07-14
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Pa XX/XX/XXXX XXXX Collection Agency Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX Account Number : XXXX XXXX XXXX ( XXXX XXXX ), In accordance with 15 USC 1692g, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. 
The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, TransUnion, and XXXX about it. 
I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 
You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802.

I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. 
Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX I went to an ATM at Bank of America in XXXX XXXX at XXXX XXXX  XXXX XXXX XXXX to deposit {$1000.00} into my checking account. The machine took a while and after that while, it said that it recognized {$1000.00} out of the {$1000.00}. It then asked me how much did I insert, I then told the atm, {$1000.00}. It started to count the money once again and said, we are unable to process your request and can not return your items. I then called the number and they told me to wait 30 days for a solution. I need this money for rent and bills and now Im on the verge of eviction. 

I have called bank of america all day today on XXXX. It is {$75.00} a day that I am late and now they are telling me wednesday at the earliest. This is not going to work. Eviction process starts tomorrow
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BMO Bank, N.A. (FL)

on XX/XX/XXXX I received a XXXX from BMO Bank NA, XXXX XXXX XXXX XXXX XXXX SD, XXXX. I contacted the BMO Bank Fraud department and let them know that I have no relationship with BMO Bank and I did not open the account which is in my name and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The said the account was closed and BMO would do a internal investigation. BMO said that its appears to be identity thief and I also contacted the US Identify Thief, gov web site and used their tool kit to request my credit reports from the 3 major credit companies. I also file a police report with the local police sheriffs department. I requested from BMO what was the details on the account and they refused to provide that information. On XX/XX/XXXX I received a letter from BMO Bank fraud department that their internal investigation was complete and they found the account to opened properly. Again I have no relationship with this bank now or ever in the past. The requested additional information from me which would provide additional personnel details on my identity, I refuse to send anything to them as I believe they are part of the scam and should be shut down. My concern is someone is trying to use the card in and I'm getting notices that their insufficient funds so the requests have been denied, but I'm responsible for the bank services charges on an account I never opened. These letters have been coming in from XX/XX/XXXX up to the present day. I have contacted the Florida State Attorney General Office who recommended to contact you. I want verification that BMO has closed this illegal account associated with my name and company 's names closed and I'm not responsible for any charges.
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (NC)

On Wednesday XX/XX/year> I received an email from Chase Bank stating Thanks for applying for a Chase credit card. Within the email it states Well review your Chase Freedom XXXX XXXX application and be in touch soon. I have never applied for a Chase credit card at all.
Consumer complaint received 2022-10-12
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. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (GA)

XXXX XXXX  XXXX XXXX XXXX {$360.00} A call was made to them on XXXX requesting information to confirm the accuracy of this alledge account. The Company has yet to send over documents along with a signature that belongs to me.
Consumer complaint received 2024-06-27
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (OH)

I activated this card a couple months ago. I tried to use it at the store two weeks ago and it was declined. When I called today it told me my balance was {$0.00}. There should be {$100.00} on the card.
Consumer complaint received 2019-09-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Comerica (GA)

On r about the XXXX of XXXX a i was imformed by the Social Security Administration that they had sent my benifits to DirectExpress and that they would send me A card. I spoke them and was told that they had mailed me a card to a address given to them from SSI. I told them that i did not live at that address and wanted to have a new card mailed to my new address. Upon receiveing my card and activateding it i noticed that the payments for XXXX and XXXX of XXXX were missing {$2000.00}. I called and reported this to DirectExpress. i also told them that i was in XXXX and never recieved the card that was used to withdraw the funds.I was imformed that i had to file paper about the funds missing and file a police report which i did. XX/XX/XXXX. I recieved a letter imforming me that my paperwork was recieved and i would know something in 45 days. Around the middle of XXXX i recieved a letter from DirectExpress stateing that my funds {$2000.00} would be put into my acount. They put {$1500.00} on XX/XX/XXXX or around then. After about a week anfd2 the other {$500.00} was not added i called and asked about the remaining fund. At first i was told that they were looking into it call back in 24hr but after a week of that i was told that they would not be sending iz to me because i did not file a report about missing funds. I told them i couldn't report it because i was in XXXX  and that i never knew the card was mailed to me to know it was taken. They said they would send me a report or somethomg but nothing ever came. Now i can't get anyone to tell me anything ot even talk to me. I try to asks for someone but they say thats all they can do. I need my money. They mailef the. Card activated it they gave out the funds
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. I would like the following account to be investigated and the results of said investigation to be communicated in a timely fashion. 

Here is the account I am asking you to verify as accurate : XXXX  XXXX Account Number : XXXX Please verify this information and remove it from my report if inaccurate.
Consumer complaint received 2023-07-14
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. (TX)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2023-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (PA)

On XX/XX/2023 my card was used 23 time at XXXX I call the bank to dispute the charge. I have filed the claim 4 time and have been denied. I didnt make these charges I have sent an appeal letter 3 time. 2 time via fax and the other via email. They keep saying they havent received the information. I have attach the appeal letter to this claim. I didnt make these charges and the bank refused to dispute these charge with The merchant XXXX. Im getting the running around from Citi bank. I also requested the information from their Investigation. But all I have received is the letter saying that Im responsible for these charges. Total of {$7800.00} in 2 hour was spent on XXXX XXXX
Consumer complaint received 2019-01-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Infinity Holding Corporation (TX)

Today on XX/XX/19 I was contacted by a loan company I never applied for. They knew all of my information prior so I assumed they were a legit lender that was in business with a company I had shared my information with. They deposited money in my account and I withdrew it and paid for gift cards that I had sent to him via phone pictures. It didnt hit me until he said Id not get my loan if I didnt do it again. I hung up and immediately called my bank. Its my fault legally and now being a XXXX year old thats only trying to build my credit the right way, Im going to lose XXXX dollars of my money this paycheck.