davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX I noticed a {$9000.00} cash withdrawal from my Chase checking account that I did not make. I called the fraud/claims department at Chase at XXXX and was told that since the withdrawal was pending I had to wait for it to post the next day, go to the Branch and file a claim in person. On XX/XX/XXXX I checked by accounts online, saw that the {$9000.00} withdrawal posted, printed the voucher, which indicated a withdrawal date of XX/XX/XXXX, my signature forged and an account number crossed out and my account number written on top. On XX/XX/XXXX at XXXXXXXX XXXX I went to the XXXX XXXX Chase Branch in XXXX  and filed a claim. I was told that the paperwork was submitted that day. It would take 3-5 days to investigate, which I don't understand why as this transaction was conducted at a branch in XXXXXXXX XXXX, I do not live anywhere near there, this pattern of transaction was completely out of pattern and I FILED/SIGNED the declaration that the transaction was not mine. On Monday XX/XX/XXXX I called the claims department and was told that the Dept still hasn't received my declaration and it can take 2 business days, it was sent internally!! Went back to branch they confirmed was sent, now the branch is saying investigation can take up to 8 days ... why? I am out {$9000.00} it was not me, and they can prove it. My account should have been credited immediately!!!!! In addition I would like to know why a transaction conducted at a branch on XXXX did not post to my account until XX/XX/XXXX?
Consumer complaint received 2022-01-25
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. (CA)

I am continuously being harassed by collection agencies with illegal threats over debt that is not mine. I have notified the bureaus of identity theft but TransUnion and XXXX refuse to help me to remove them. I never signed up for any of this debt. These creditors and and the bureaus need to remove this false information.
Consumer complaint received 2022-01-25
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: EQUIFAX, INC. (FL)

for the last six months i have been disputing inaccurate derogatory information on my credit report. XXXX XXXX XXXX, XXXX, equifax, and XXXX have all re-aged these debts on my credit report and have reported either missing or inaccurate payment history which is a FCRA violation. the last round of disputes i mailed off were around XX/XX/XXXX, i asked for my results to be sent to me via usps mail but nothing ever arrived. due to these inaccurate unverifiable items on my credit report i have been deprived of acquiring new credit. this account has been re-aged due to an inaccurate date of first delinquency. 

XXXX REMOVAL DATE XX/XX/XXXX EQUIFAX REMOVAL DATE XX/XX/XXXX XXXX REMOVAL DATE XX/XX/XXXX
Consumer complaint received 2023-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

I opened a Wells Fargo checking account on XX/XX/2023. On XX/XX/2023 after going through my banking accounts I noticed that the debit card that was mailed to my home address had been compromised because there were unauthorized fraudulent charges made against my checking account at a time when I did not have access to the debit card. I never received a debit card, retrieved a debit card from my mailbox nor did I ever activate any debit cards using any channel. 

Wells Fargo has failed to provide adequate proof that the debit card used to scam my account was in fact activated by myself. I live in a community housing thousands of people and the debit obviously was stolen at some point. Wells Fargo fraud detection monitor also failed to restrict the card that was not activated by its intended user. I am demanding a refund of the funds stolen from my account totaling {$29.00} The investigation that was completed was not done effectively or efficiently if Wells Fargo can not determine that I did not activate the card
Consumer complaint received 2022-01-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NY)

I am submitting a complaint in reference to this company knowingly reporting inaccurate data. I have no contract and have no reason to be in any type of business with this company and they are committing FRAUD. My credit profile is affected by these violations, this fraud, SUSPICIOUS, AND DECEPTIVE. I demand proof TO SEE ' Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I XXXX XXXX legally requested a description of the details of the validation and verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. 


I have sent letters on In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and i still have yet to receive a proper response that validates this debt.
Consumer complaint received 2022-01-13
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)

In 2021 an account was disputed for XXXX XXXX XXXX XXXX. The account was removed then reinserted. I did not receive a notification in 5 days of the reinsertion. My consumer rights have been violated. And I've tried to rectify the situation with Experian but they have not remedied the situation. Please assist.
Consumer complaint received 2023-06-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CO)

XX/XX/XXXX {$1000.00} in {$500.00} increments was wired from my account without my knowledge and authorization. I was called by Wells Fargo that same day to verify if it was me that made that transfer. I told them no it wasn't me and to attempt to stop it. I was then sent in a circle between going in the bank branch and calling the fraud department for 3-4 weeks for them to finally tell me that the bank the money was withdrew from wont return the funds. I was not credited or refunded the money.
Consumer complaint received 2022-12-01
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. (IL)

I'm victim of Identity Theft, my personal information has been stollen, so as a result I got fraudulent hard inquires on my report. I have filed FTC report for this matter and included in this report. 
I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621.

I'm not using any third party for this matter and send this dispute on my own. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 

It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
Here are these hard inquires : XXXX XXXX XXXX  XXXX  XX/XX/2022 XXXX XXXX  XXXX  XXXX  XX/XX/2022 ; XXXX XXXX XXXX XXXX  XX/XX/2022 ; XXXX XXXX XXXX  XXXX XXXX XX/XX/2022 Please remove these items listed above as a fraudulent items.
Consumer complaint received 2023-06-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ATG Credit, LLC (IL)

Collection was originally placed on XX/XX/XXXX for debt of {$4700.00} from XXXX XXXX to ATG credit. During this time, I received no notice of being sent to collection via mail or by telephone by XXXX or ATG. I did not notice this debt for XXXX years due to no change in credit score at this time and no notice from either company. 

Now, XXXX years later on XX/XX/XXXX, my credit score was updated and impacted. My first notice of debt came via a call and voicemail on XX/XX/XXXX. Since then I have tried to call and dispute the debt with both the original collector and the debt collection agency who will not let me do it as the debt is " too old '' per their words. 

I should not owe this money in the first place as this medical debt initially came from XXXX XXXX who never billed my insurance originally, and then billed them over 180 days after the procedure was completed and my insurance was past the statute of limitations. I have had my insurance company contact them multiple times to say they would have covered this had they been billed appropriately, but they continue to ignore this. I have sent both parties the explanation of benefits at that time, yet they continue to ignore that they failed to bill my insurance appropriately.
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG FINANCIAL CORPORATION (AL)

Making a complaint of fraudulent account AXCSSFN / CNGO XXXX that's not mine. This company continues to report false information to the XXXX credit reporting agency damaging my credit report. I have filed the proper identity theft report with the Federal Trade Commission. I will take legal action if this company continues to report this false information to XXXX credit reporting agency.
Consumer complaint received 2022-01-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (CA)

I am requesting the CFPB to intervene in hopes to come to some resolution with Suntrust Bank. Since falling past due on my mortgage I had reached out to Suntrust right away and have been working with Suntrust for almost 2 years now. I have submitted numerous packages for assistance and each time Suntrust has denied my request for mortgage assistance each time shifting the blamed it many bogus reasons. Most recently I submitted on XX/XX/XXXX and was denied on XX/XX/XXXX. Per the Suntrust the file was declined because the income they used was {$6700.00} but when I sent them my proof of income and financial worksheet along with P & L as requested the income I provided was {$8600.00}. 
I went as far as sending them the following letter for appeal and request for the NPV results showing how they came to their calculations but upto this date they have not provided me with the NPV denial results and issued me foreclosure sale date on my home for XX/XX/XXXX. 

This issue with Suntrust is not the first time they have used incorrect income and refuse to provide me with the denial NPV results. 

I have even Offred {$20000.00} towards the delinquent amount in hopes to come to a resolutions, Suntrust has been in violation of dual tracking Respa and Tila laws but refuse to help. 

Fax to Loss Mitigation Appeal Dept XXXX Denial Dispute - I XXXX XXXX are writing this letter to dispute the invalid reason for denial on my loan modification request. Per the denial information the reason for denial is the income used to make this decision was Net income of {$6700.00}, this income is not correct! The income I presented and on the financial forms, bank statements and Profit & Loss shows my income at Net {$8600.00} I'm asking SunTrust to properly review my financials to be reviewed again for assistance. I am asking SunTrust to place the amount I owe to the end of the loan so that I can continue with my payments. Even if the loan payments go up that's okay, I just need to save my home for my kids. Please help me. 

I am resending the documents attached that where last previously present for further review.
Consumer complaint received 2024-04-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/2023 while shopping at XXXX I was approached by a person asking to use my phone for assistance. During the time using my phone the scammer used my phone to transfer funds from my checking account to an online account through XXXX XXXX  I noticed the transfer within 30-1hr of the scam and the police was called, XXXX XXXX was also contacted in hopes to recovering the funds before the scammer could withdraw. I was unfortunately left without the funds and without a reason for the funds being recovered
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have held a new CapitalOne Venture One credit card for more than 3 months. Their " New Cardmember Offer : Earn XXXX bonus miles once you spend {$500.00} on purchases within the first 3 months from account opening. '' I waited for the new cardmember period to end to see if the bonus would ever be applied. It was not, so I called their customer support. The worker informed me that nothing could be done and that my card didn't come with the bonus. That some cards get the bonus and some cards don't like some luck aspect even though they advertise publicly on their website that you get the bonus after spending {$500.00}.
Consumer complaint received 2022-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (IN)

XX/XX/XXXX - We received an Escrow overage check dated XX/XX/XXXX from Caliber Home Loans for {$2600.00}, leaving a {$1100.00} Escrow Balance, resulting in an escrow shortage to pay XXXX taxes & insurance. Taxes & Insurance are estimated ( as shown on statement ) to be {$3500.00} for XXXX. After leaving the shortage in our escrow account by sending us the overage check, they then raised our mortgage payment by adjusting the escrow payment from {$290.00} to {$290.00} ( raising our monthly mortgage payment from {$1100.00} to {$1100.00} ), which to me seems completely unethical! Also, this raise in monthly payment will still leave our escrow account short to pay taxes & insurance. I spoke w/Caliber Loan Rep who stated they would still pay the taxes & insurance if there was a shortage, to which I replied, then you would raise our mortgage again after you do an analysis and find there was the shortage! They are basically scamming by shorting our escrow account for tax/insurance payment, and then turning around and raising our mortgage payment again!! We had enough escrow to cover taxes & insurance before they sent us the overage. This seems totally unacceptable, unethical and a total scam. They are getting more interest each time they raise our mortgage payment so I believe this is the reason they are doing this. I could understand if they sent us a check for an overage, but leaving enough in escrow to pay for taxes & insurance, not a shortage and then turn around and raise our mortgage payment due to the shortage THEY caused!! They also told me that if we put the money back into escrow, it would not bring our mortgage back down to what it was originally. This is COMPLETELY UNETHICAL!
Consumer complaint received 2019-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Car payment are showing 90 past due on for the mouth of XXXX XXXX and XXXX XX/XX/2018 and XXXX XXXX and wasn't late and this hurting my change on get a home and will remove after I sent the payment history
Consumer complaint received 2015-05-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

Hi. I sent you a letter dated XXXX XXXX, 2015 with regard to Wells, Fargo Home Mortgage and all the documentation that is totally conflicting. I sent them documentation to do a loan modification on XXXX XXXX via XXXX. I received a letter from their attorneys, XXXX, XXXX XXXX XXXX dated XXXX XXXX, 2015 that a sheriff sale has been postponed until XXXX/XXXX/2015 ( I was advised by Wells, Fargo that all foreclosure proceedings were stopped so there should not be a sheriff sale at all ). 
In addition, I just received a letter today from XXXX XXXX ( XXXX x XXXX ) that a review of my loan has been pending for a long period of time and she has not received all the required documentation from me so they are unable to offer assistance! I sent them all the documentation just a couple of weeks ago. 
There is no mention of what they still need either! What is going on? 
Something has to be done about this. This is consumer fraud. 
Please help me. I have been thrown around this bank for weeks with no answers and am still under a sheriff sale that hurts my credibility in the business world. 
They should have taken us completely out of the sheriff sale as they told me they would do. Thank you very much.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have disputed two items showing as collections needing immediate attention XXXX times. I have my bank statement proving I paid the collection in full and the dispute has been denied all XXXX times. Ive never once been able to provide the proof I have. I was advised to pay off the account in order to raise my credit enough to get approved to buy my house. They sent a letter stating the account was resolved and that is how I was able to purchase my home in XX/XX/2020.
Consumer complaint received 2015-09-15
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO. (FL)

. I recently ordered my credit files and found this account on my credit reports. I have never had any account with this institution and do not know of any account ever opened with them. My personal details where compromised in 2012 when my wallet was lost and included ; credit cards ; social security card and driving license but was found and mailed to me.. Please verify this account and the information used to open this account My credit files report an address that is not known to me and there have been attempts to open accounts from an address.
Consumer complaint received 2022-10-07
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX ; XXXX  XXXX XXXX ; XXXX XXXX  XXXX ; XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ;
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

for the last six months i have been disputing inaccurate derogatory information on my credit report. XXXX XXXX XXXX, XXXX, XXXX, and transunion have all re-aged these debts on my credit report and have reported either missing or inaccurate payment history which is a FCRA violation. the last round of disputes i mailed off were around XX/XX/XXXX, i asked for my results to be sent to me via usps mail but nothing ever arrived. due to these inaccurate unverifiable items on my credit report i have been deprived of acquiring new credit. this account has been re-aged due to an inaccurate date of first delinquency. 

XXXX REMOVAL DATE XX/XX/XXXX XXXX REMOVAL DATE XX/XX/XXXX TRANSUNION REMOVAL DATE XX/XX/XXXX
Consumer complaint received 2022-01-25
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. (ID)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.