davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but Transunion has been reported as follows : XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS LATE. XXXX XXXXXXXX XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS LATE. XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS LATE. XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS LATE. XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS LATE. XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS CHARGE OFF. XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS CHARGE OFF. XXXX XXXXXXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS LATE. XXXX XXXX ACCOUNT NUMBER XXXX BALANCE {$8300.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS CHARGE OFF. XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS LATE. 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 an account without my written instructions. 15 U.S.C 1681c ( 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 2019-06-25
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: JPMORGAN CHASE & CO. (TX)

I sent a XXXX dollar check to pay off lease. Check was cashed but not applied to end of lease fee. Chase stated that they sent me letters to pay for auto property tax. I did not receive a bill to pay for taxes but yet they have electronic records of letters. My account was sent to collection agency for the recovery of XXXX.
Consumer complaint received 2024-03-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BMO Bank, N.A. (NJ)

On XX/XX/2024 a Bank of West/ BMO bank new auto loan, no./ account XXXX was paid in full. 
( XXXX ) XXXX. I had called twice. The representative was irresponsive in providing any information as to whether XXXX was notified and when I would receive my title for this paid in full vehicle. Since attempting to contact them prior and having the same poor level of service I decided to place this complaint to resolve the lack of care and support that they provide.
Consumer complaint received 2023-03-07
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. (GA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 XXXXXX/XX/XXXX XXXX
Consumer complaint received 2023-03-07
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)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 XXXXXX/XX/XXXX XXXX
Consumer complaint received 2021-06-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ZWICKER & ASSOCIATES (NY)

Received letter from Attorney XXXX XXXX XXXX stating that a lawsuit has been filed. XXXX XXXX Index XXXX. 

I have not received anything about this. I called the County Court and was told that an incomplete summons was filed. This was apparently filed by Zwicker debt buyer attorneys. I have never received any information regarding anything from this Zwicker at all. Their website is extremely frightening and confusing to the consumer filled with legal terms that the average consumer does not understand. Hence, I am contacting CFPB for help. 
I have been paying americian express on my fixed income. Why am I being threatened by a lawsuit when I have been paying? I do not understand. I am a senior citizen on a fixed income and am doing my best. Please help me.
Consumer complaint received 2022-12-14
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: EQUIFAX, INC. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2019-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

The following accounts were never late on the date specified, I took care of each of my accounts and it is paid in full, no balance.. I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without making me aware of it.. Dispute letters were sent to no resolution..CFPB help me out here and fix or delete the accounts
Consumer complaint received 2018-06-19
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY (CA)

My Name is XXXX XXXX, I receive my child support put on a " XXXX '' WELLS FARGO XXXX. The Bank charges inquiries on the balance of the child support card of {$1.00} by ATM, so I stopped requesting atm balance inquiry several years ago. I know that WELLS FARGO Customer service charges XXXX per phone call to customer service. They offer 3 customer service calls per month free of charge. So, I very rarely, call customer service - except for lost card circumstances. Which has happened twice in the past 7 years, I lost my card. and they replaced it. Wells Fargo would have charged fees on those accounts as well. 

I have been receiving child support for 15 years, as I have XXXX children. I have been using the automated system for my balance inquiry as I have {$170000.00} in child support arrears and I rely on the child support agency to collect the funds by bank and or wage garnishment. and sometimes my balance fluctuates. I use the automated inquiry system to make sure what I am purchasing does not get overdrawn. 

Wells Fargo never mails out any debit card statements by mail. I rarely, go one line to check the activity. Recently, I had reason to check my balances and history, as I had XXXX request evidence of the child support deposits into my account which I cashed through the ATM machine. To my surprise, I have been charged numerous times for balance inquiry XXXX per transaction for over 10+ years. I read the disclosures, no where does it state that when a child support recipient calls through the automated system to check balance inquiry they will be charged XXXX as if they are speaking to and calling customer service agent. 

This is very sad, and unreal. There are so many single parents who are struggling. and Wells Fargo as big as they are, charging for a automated balance inquiries under phone number XXXX. I've been a Wells Fargo customer for over 15 years at the XXXXXXXX XXXX XXXX location, there is no reason for excessive fees nor automated inquiry fees. 

The statement online customer service number for inquiry charges is XXXX always states your call can not go through, please try again or hangs up on you.
Consumer complaint received 2023-07-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (FL)

Today XX/XX/2023. I see a derogatory mark on my credit report. 
Company : Debt recovery solutions XXXX : {$3700.00} XXXX XXXX : XXXX XXXX XXXX.
Consumer complaint received 2021-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Beginning in XX/XX/2021, I had fraudulent charges on my account. Capital One found the charges were fraud and adjusted the charges after canceling my card. What they did not adjust was the minimum payment. They are forcing me to make a minimum payment based off the interest of the fraudulent charges. Due XX/XX/2021 was a minimum payment of {$400.00}. Based off advice from their account manager, I paid {$220.00} which is what the minimum payment should have been. She told me the next bill would even out. It did not. Due XX/XX/XXXX was {$480.00}. I paid {$200.00} ( the appropriate minimum payment for MY charges ). Now due on XX/XX/XXXX, the minimum payment due is {$540.00}. I have called numerous times and told they are working on it, but they never do. They just keep tacking on the portion of the minimum payment I didnt pay to the next months bill. The problem is, my minimum payment should never have been that high to begin with. They based the minimum payment off the fraudulent charges they reversed. They told me once a minimum payment is calculated, they cant change it - but they put in a ticket for higher management to do it. Nothing is being done. This is reflecting as late payments and they keep charging me late fees. I am still paying my minimum payments, but Im paying what they would be had i not had fraudulent charges figured in. I just want my minimum payments to reflect what they should be - not based off almost {$10000.00} in fraudulent charges. Please help!
Consumer complaint received 2022-12-14
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: Experian Information Solutions Inc. (FL)

I have been a victim of identity theft and a XXXX fraudulent account appears on my credit files. I have reported this account to all necessary authorities and Experian and XXXX are still reporting fraudulent accounts on my file that were deemed fraud by the FTC and local authorities.
Consumer complaint received 2019-06-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: PNC Bank N.A. (IL)

I received a letter from XXXX and  XXXX , XXXX about being delinquent on an account with a bank. I reached out to the bank and they did not have any missed payments or even the account number that I was given to me on on the notice. I have reached out to all my student loan lenders and I have not been delinquent. I do not know how they got my contact information because XXXX and XXXX received my information from the bank that has apparently sent me multiple notices. I've lived in the same address for over 2 years now and this is the first time I have had any interaction with the lender bank.
Consumer complaint received 2019-06-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: AES/PHEAA (OH)

Today i received a phone call from someone who claimed to be a third party loan servicer for FedLoan. The name of their company was XXXX XXXX XXXX XXXX and/or XXXX  XXXX  XXXX. I was told to confirm my information and they had everything on me. My social security number, My date of birth, my phone number and address, my bank account number that i pay my loans through, everything. i felt like it was a scam so i hung up and called FedLoan to find out that they do not work with third party servicers and it was a scam. i want to protect my information, but i know they have it. i do not feel safe paying my student loans anymore and am very insecure about my personal information being stolen.
Consumer complaint received 2019-06-21
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. (GA)

Experian refuse to remove/provide me with the tools they use to investigate error on my credit report. I disputed these items numerous times each and they refuse to remove them
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2019-06-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UMPQUA HOLDINGS CORPORATION (OR)

Hi I have had a relationship with Sterling Savings Bank and then when it got merged with Umpqua started a new 2nd mortgage account with them. 

It was a product called " Relationship Checking '' and was a premier account. At the time I opened, i wasn't sure about any special requirements. Around XXXX of XXXX I consolidated my mortgage and 2nd mortgage with XXXX XXXX XXXX XXXX. Hence my 2nd mortgage got closed. I had electronic statements, and there was no mention of any change in fees being accessed. I just recently was curious about this account, and when i logged in, found they have been debiting {$18.00} per month. I have always never maintained more than {$5500.00} as average monthly balance in the account. 

I visited the branch XXXX XXXX XXXX XXXX and  spoke to the branch manager. She mentioned that the fee was because i maintained less than {$15000.00} per month which was a requirement to avoid the fees. I did tell them my account never had any amount more than {$5500.00} per month as average daily balance. She said she is not aware why i was not accessed the fee earlier, but that there is nothing she could do to help. 

They had taken {$18.00} from XX/XX/XXXX - XXXX XXXX. which is for 23 months which amounts to {$410.00}
Consumer complaint received 2020-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

These cards were used fraudulently, much of the address on report are incorrect I never lived at some of the address '. The only loans are student loans and paid off car loans that are mine.
Consumer complaint received 2019-06-24
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BRite Financial Services, Inc. (MI)

a ) I confirm that I have received a written communication from BRITE FINANCIAL SERVICES dated XX/XX/2019 wherein they make reference to the above captioned matter. 

b ) I have sent my request to Brite Financial Services, LLC, dated XX/XX/2019 and XX/XX/2019 for BRITE FINANCIAL SERVICES to confirm the balance owing on the above referenced matter and for BRITE FINANCIAL SERVICES to confirm that BRITE FINANCIAL SERVICES would accept full payment of the alleged obligation from me in consideration of BRITE FINANCIAL SERVICES delivery to me of the original instrument of indebtedness in its original form. 

c ) I confirm that I have received a written communication from LAW OFFICES XXXX XXXX , XXXX. dated XX/XX/2019wherein they make reference to the above captioned matter. 

d ) I have sent written communication to LAW OFFICES XXXX XXXX, XXXX., datedXX/XX/2019 informing LAW OFFICES XXXX XXXX , XXXX . that it is apparent that LAW OFFICES XXXX XXXX , XXXX. are acting on the presumption that some relationship that LAW OFFICES XXXX XXXX , XXXX. may have with Brite Financial Services, LLC, is in some way related to me. I am not a party to this implied relationship LAW OFFICES XXXX XXXX , XXXX. has with Brite Financial Services, LLC, either directly, indirectly or by means of any tacit consent. 

e ) I confirm that I have received a Summons from LAW OFFICES XXXX XXXX XXXX XXXX. issue date XX/XX/19 Expiration date XX/XX/119 wherein you make reference to the above captioned matter. Defendant has not seen or been presented with any documentation verifying that l have voluntarily, knowingly and intentionally, entered into a contract with any civil court, to perform to your demands ; and believe that no such verified documentation exists ; Defendant has not seen or been presented with documentation verifying that all the terms of the contract were disclosed in the document, and believes that no such verified documentation exists ;
Consumer complaint received 2019-06-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Williams & Fudge, Inc (IL)

I received a letter from William and Fudge , Inc about being delinquent on an account with a bank. I reached out to the bank and they did not have any missed payments or even the account number that I was given to me on on the notice. I have reached out to all my student loan lenders and I have not been delinquent. I do not know how they got my contact information because William and Fudge received my information from the bank that has apparently sent me multiple notices. I've lived in the same address for over 2 years now and this is the first time I have had any interaction with the lender bank.
Consumer complaint received 2019-06-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Veripro Solutions Inc. (WA)

Back history : We purchased our home in XXXX of XXXX with an XX/XX/XXXX loan. The 80 % was with XXXX, the 20 % was with XXXX. Roughly in about XXXX we got behind on our house, XXXX sold our loan to XXXX XXXX XXXX at that time we thought that they had purchased the 80 % and the 20 % at the same time since we had done a modification with them. Since after XXXX we have never received another bill from XXXX. Fast forward to XXXX we started the process to refinance our home and when the title company came to pull title we found out there is a Lien on our home with someone named XXXX, They are listed on the MERS website as the Lien. MERS # XXXX I have never heard of them up until 60days ago. 
I have tried to work with XXXX XXXX to release lien since I have talked to numerous people at the office stating that they have NO account under my name, my husbands name, our property address, they only reason I am talking to them is that they hold lien on my home. I have talked to Veripro Solutions and they only thing they can provide me with is a DEED of trust. I have requested the NOTE over 20 days ago. And every time I have spoke to some one they keep telling me they are researching it and it will be 3-5 business days. I have multiple emails and phone calls from them. Stating that they have escalated there manager but NOTHING has happened. There is still a lien on my house and I can not refinance and no one will provide a NOTE or proof that the debt is valid.
Consumer complaint received 2015-07-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (OK)

I had a Sears Card thier were some issues with the card so I made an agreement to have the card cancelled and pay the debt off, I did so. Now it is showing up on my credit report as a COLLECTION. I have no idea how this happened when I honered the agreement I had with Sears.