davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am writing to express my deep concern and frustration regarding the numerous attempts I have made to address the fraudulent items associated with my account. Despite multiple efforts on my part, it appears that the issue persists, and I have yet to receive a satisfactory resolution. 

I initially brought this matter to your attention, and since then, I have made subsequent attempts to resolve the issue through your designated channels. 

The impact of these fraudulent activities on my personal and financial well-being is significant, and the lack of prompt and effective action is causing me undue stress and inconvenience. I expect a company of your stature to prioritize the security and satisfaction of its customers. 

I kindly request the following actions be taken to address this matter promptly : Conduct a thorough investigation into the fraudulent activities associated with my account. 
Provide clear communication on the progress of the investigation and the steps being taken to resolve the issue. 
Take immediate action to rectify any unauthorized transactions and remove the fraudulent items from my account. 
Implement measures to enhance the security of my account and prevent future occurrences. 
I believe in the importance of maintaining a positive customer-business relationship, and I hope that this issue can be resolved amicably. I anticipate a swift response and resolution to this matter. 

If the necessary actions are not taken promptly, I may be forced to escalate this complaint to relevant consumer protection agencies and explore legal avenues to protect my rights and interests. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-09
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY (AZ)

In XXXX XXXX XXXX XXXX, CA downtown branch. It was conspired between 2 branch managers to place a XXXX brown letter box of foreign exchange coin/bill from around the world in custody of Wells Fargo . As they threatened me to call the cops after they became aware of what was in said container. Allow Wells Fargo to Manage this box. Project % 11 of profit to XXXX XXXX XXXX XXXX XXXX. Invest % 9 into Wells Fargo. 20 % into XXXX XXXX XXXX. 20 % into XXXX XXXX XXXX. 20 % into XXXX. 20 % into XXXX XXXX XXXXXXXX XXXX XXXX XXXX " IMA sue yall '' lol
Consumer complaint received 2018-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I am working on getting a home loan, within the last few days before closing ( XX/XX/XXXX ), The underwriter did a soft pull of my credit ( FHA loan ), I was named as an authorized user of a Capital One credit card that I never personally authorized. The account holder defaulted on the account and as an authorized user ( of a card that I was never aware of ) had the closing of my home loan stopped in it's tracts. My loan agent advised me to have the credit card company remove me from the account so that they can re-score my credit. 
Capital one has removed me from the account however, in order for my re-score to take place, I've been asked to have a letter from Capital One to state " I have been removed from the account as an authorized user and this account is to be deleted and removed from all three bureaus and my credit report. After several phone calls ( XX/XX/XXXX ) Capital One wrote me a letter ( dated XX/XX/XXXX ) ( received XX/XX/XXXX ) stating that they have deleted me as an authorized user from the credit bureau report. I sent this over to my loan processor ( XX/XX/XXXX XXXX XXXX XXXX ) and received an email on XX/XX/XXXX from my loan processor that XXXX XXXX has informed them that the credit bureaus are not accepting the letter provided by Capital One. Capital One will not re-word the letter that they are looking for and XXXX XXXX won't accept the letter without their specific wording.
Consumer complaint received 2020-06-05
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. (NC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX For Equifax/XXXX/XXXX   & Attorney General/Consumer FinanceXXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
In your response you state : The information you disputed has been verified as accurate. You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX BAN ACCT : XXXX XXXX : {$630.00} XXXX XXXX XXXX ACCT : XXXX XXXX : {$670.00} XXXX XXXX, XXXX. ACCT : XXXX XXXX : {$100.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$7700.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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  XX/XX/XXXX XXXX XXXX XX/XX/XXXX You also have an address listed for me as : XXXX XXXX XXXX XXXX XXXX, SC XXXX This will be removed as this is NOT ACCURATE! You Have my information belonging to another state! 









I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXXXXXX Equifax and XXXX, However, Equifax ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and XXXX all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 
Any physical proof that an account established by me, should be sent to me with such direct information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I have two credit cards by XXXX XXXX. Both have incorrect amounts and should be taken off my credit reports. Both have been charged excessive fees and not adjusted accordingly. Thus the balance and the minimum payments were incorrect. These should be taken off my credit report. Both accounts are closed. 


Also there is a " foreclosure '' of a house on my credit report. This has been satisfied and thus should not be on my report. It has been 2 1/2 years.
Consumer complaint received 2018-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (GA)

Upon receiving my credit report. I noticed there were items on my report that wasn't mine. I immediately started a dispute with each credit bureau and the debt collection company XXXX. The item a XXXX bill was taken off of all of my reports, just to reappear under a different collection agency. I then sent a verification letter to the new collection agency Diversified Consaltants asking for verification and all I received was a statement, no SSN or and other legal verification and all they did was update to info on my credit report. I'm more than sure this is not enough to verify a debt
Consumer complaint received 2022-03-06
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: JPMORGAN CHASE & CO. (CA)

JPMCB CARD made a hard inquiry to my XXXX credit report on XX/XX/22 and XX/XX/22. 

I have no relationship with, have not applied for any products from, and have not granted credit report authorization to Chase Bank. 

Calls to the bank on this matter went unanswered.
Consumer complaint received 2020-06-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MS)

This whole issue started in XXXX. I was on a modified repayment plan requiring me to pay a month 's missed payment over the period of three months with the increased payments due XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - these payment due dates explicitly give you through the end of the month to submit your payment. I made the XXXX payment no issues. I scheduled the XXXX payment for XX/XX/XXXX. When the money was finally pulled from my count, my account had an insufficient balance so the payment was not made. I scheduled another payment for my XXXX payment to withdraw on XX/XX/XXXX. Mr. Cooper denies that they ever withdrew the XX/XX/XXXX payment from my account - in spite of bank statements, and confirmation by bank employees that the withdrawal was made in the same fashion the previous 4 months ' had been taken. After over a month of Mr. Cooper denying that I'd made my payment, I disputed the ACH transaction through my bank to have the money returned to me. I made a mortgage payment on XX/XX/XXXX. I paid the balance that was due on my account - in fact, Mr. Cooper 's website does not allow partial payments even if you were to want to make one. Based on the language on my account, my account was current with a normal payment of {$1000.00} due XX/XX/XXXX. As of XX/XX/XXXX my account reflected I was current. Then on XX/XX/XXXX I received a letter than my account was past due and that I had " unapplied funds '' and that I now have a payment of {$2300.00} that is past due from XX/XX/XXXX. 

Mr. Cooper can not explain to me where my XX/XX/XXXX payment has gone, it is not properly crediting my account to reflect that they collected a payment from me on XX/XX/XXXX and I am out of options because of their utter incompetency.
Consumer complaint received 2022-03-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Meade Recovery Services, LLC (UT)

I received dental cleaning services at XXXX XXXX XXXX XXXX. I had dental insurance through XXXX XXXX and the provider verified my insurance and advised me that it would be covered 100 percent. 

Some few weeks or months later, the provider sent me a bill. I disputed the charges because I was told that it would be covered 100 percent. If I knew that the dental services would not be covered 100 percent, I would have cancelled my appointment. 

XXXX XXXX XXXX attempted to collect payment from me and I explained to them what happened. 

They retained an attorney and filed a lawsuit and attempting to collect more that what I was told by the dental provider that I owe after the services This is just like XXXX invading XXXX and these charges are not justified
Consumer complaint received 2018-05-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY (NY)

This will reference prior cases XXXX ; XXXX ; and XXXX. 

I just received notice that AMEX is charging late fees of {$81000.00} while I was granted a stay by AMEX on XX/XX/XXXX while speaking to XXXX XXXX XXXX title team leader who granted a STAY for payment and now I am being hit with LAte PAyment fees. I have been defrauded by XXXX XXXX   while AMEX knows this that the monies were removed from my account after third party verification. The amount that is now owed AMEX went from XXXX to XXXX. This is not right. In addition it will be shown that XXXX XXXX defrauded me as per a third party verification that has caused severe damages. I am lost for words what these banking institutions are doing ... Please remove these late payment fees and get XXXX To live up to their word in making XXXX payment plus damages to me ASAP Just received statement from AMEX XX/XX/XXXX 60 day late Payment fee {$8000.00}
Consumer complaint received 2022-06-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OPORTUN FINANCIAL CORPORATION (FL)

On XX/XX/XXXX came across this agency in a strip mall and on the window printed it stated can receive Fast affordable personal loans any types of credit and to build a better credit future, credit scores from XXXX or no credit scores. I decided to submit application online due to office was closed until XX/XX/XXXX at XXXX. Online offer prequalify for loan and submitted application, it came back that I prequalified for the loan, asked for my personal income and other information and after submitted it stated qualified for up to {$12000.00} in bi weekly or monthly payment. I looked at fine print stated that secured vehicle loan and after review closed website, received two phone calls from foreign accents contact me and stated was approved for loan and advised needed to transfer to another department for vehicle information, asked csr rep why was this approved and now asking for a vehicle for colleteral and it states no credit score or XXXX scores with guaranteed approval. then asked what is the percentage of black/african american applicants approved for this loan and that this false advertisement is only marketed to a certain race group within the community. The csr then advised she would cancel my application and hung up.
Consumer complaint received 2022-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

Dept Of EdXXXX has been disputed and could not verify that the debt belongs to me therefore XXXX deleted the account. However, XXXX and Experian are still reporting this account on my consumer report. I have attached a screen shot of my current consumer report via MyFICO showing the deletion of the account. I request that XXXX and Experian update my consumer report as well immediately.
Consumer complaint received 2022-03-06
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. (NC)

My name is XXXX XXXX I have submitted disputes to XXXX, Transunion, and XXXX in regard to items on my credit report i believe to be invalid, Incorrect, or outdated on XX/XX/2022. I have not heard in regard to my disputes, so I sent in another letter on XX/XX/2022, for more information in regard to my disputes and still have not heard back with the information I request for items on my credit report. I would like a immediate response in regards to the validity of the items on my reports.
Consumer complaint received 2021-12-01
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. (DE)

15 US 1681c a consumer reporting agency shall block the reporting of any information in the file of a consumer that consumer Identifies as information resulted from an alleged Identity theft, nor later than four business days after the date of receipt. These accounts should not be furnished on consumer report as they are in violation. Under 15 US code 1681b Permissible purposes of consumer reports. any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer reporting agency consent to furnish anything on my reports. There for this is identity theft. I ask that these items be deleted immediately.
Consumer complaint received 2018-04-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AE)

Mortgage account number : XXXX Client : XXXX with Wells Fargo. 
1. In late XX/XX/XXXX I received an escrow refund check from Wells Fargo for several thousands of dollars. ( I am away from home and do not have the figures ). 
2. In early XX/XX/XXXX Wells Fargo paid taxes and was short for the amount of {$3700.00} 3. In XX/XX/XXXX Wells Fargo advised me that I owed them close to 7000 dollars to help catch up on the shortage. *I believe that amount should be around XXXX dollars and am willing to pay that today. 
4. Wells Fargo has given me two options to address my account shortage. One is to increase my monthly payments to XXXX dollars from XXXX dollars. The other is to pay XXXX dollars and have my monthly payments increased to XXXX dollars. 

My complaint is that every year this will repeat itself if the wells fargo continues to follow its policy of returning escrow to me at the end of the year rather than wait a month and pay the taxes due. 

This will over the years increase the amount of excrow that wells fargo has on hand without paying me any interest and at the same time reduce the amount that I might have available to pay down the loan. 

I have spoken to them via phone and by email but they keep sending me statements and trying to explain that their policy prevents them keeping the money required to pay the upcoming taxes. 

In addition, because I questioned the options, the following was added to the email response that I received on the XX/XX/XXXX for the first time. 

" Mortgage Online Customer Service Wells Fargo Bank, N.A. is required by the Fair Debt Collection Practices Act to inform you that, as your account servicer, we are attempting to collect a debt, and any information obtained will be used for that purpose. However, if you have received a discharge from bankruptcy, and the account was not reaffirmed in the bankruptcy case, Wells Fargo Bank, N.A. will only exercise its rights against the property and is not attempting any act to collect the discharged debt from you personally. 

With respect to those accounts secured by property located in the State of California, the state XXXX Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before XXXX XXXX  or after XXXX XXXX. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at XXXX or www.ftc.gov. '' I contacted FTC but the dropdowns did not provide options to address this situation and so directed me to your site.
Consumer complaint received 2017-03-18
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

I work XXXX hours a week. After public transportation costs and taxes, I TAKE HOME half of what I make. When the bank removes the indefensible {$110.00} dollars in fees for the bank policy, infringement of less than {$1.00} ( or MAYBE just over that - I can not tell ) and after paying for winter heat - this is when my account hits XXXX cents which, is the total sum it resides at now. 
I will not be able to get to work as paying the train fee of {$21.00} a day - is now, impossible. 
I 'm sure banks have a renewed sense of delight over the new president whom is set to roll back any moral, ethical ( Dodd.Frank ) or even HUMAN sense of offering banking services to anyone except the ultra-rich/1 % or people to busy grinding out a life in this country to fight with banks each month or each fee. XXXX help us and CFPB.
Consumer complaint received 2022-03-06
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Upgrade, Inc. (GA)

On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX sent me a collection notice stating that I owe an alleged debt. In violation of 15 USC 1692 ( b ) ( 5 ) the letter was sent with a huge symbol on the envelope indicating that they are debt collector and the communication relates to the collection of a debt which exposes my personal business and also violates my right to privacy. The letter also implies that they are an attorney when they are a debt collector. Pursuant to 15 USC 1962 ( e ) ( 3 ) a debt collector may not use false representation or implication that any individual is an attorney or that any communication is from an attorney.

In response to the letter, I sent them notification that they have violated my consumer rights, I dispute this alleged debt, and I requested an audit trail of this transaction. 

On XX/XX/XXXX, I received a response letter from XXXX XXXX XXXX XXXX XXXX that stated they will continue collection efforts despite my notice of dispute and in turn, sent me several duplicate copies of loan terms, several sheets of blank paper, copies of documents that are completely undecipherable, and an incomplete bill of sale to prove they even own this debt. They did not provide me the AUDIT TRAIL I requested and in violation of 15 USC 1692g ) ( a ) ( 4 ), the statement of account provided does not tell where these charges and credits were originated or when.