davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NV)

I have been a victim of a fraudulent withdrawal amounting to {$15000.00} from Wells Fargo bank. Additionally, I want to highlight that I made a deposit of {$17000.00}, and I even have submitted video evidence of this deposit transaction to Wells Fargo. When I contacted Wells Fargo to obtain a copy of the withdrawal slip, I received a copy that was not in color and appeared to be altered. Furthermore, the withdrawal slip does not contain my complete name and does not match my handwriting or signature. 

Moreover, I noticed that my Wells Fargo bank statement only displays the date of the fraudulent {$15000.00} withdrawal but does not indicate the location of the transaction. Additionally, the {$17000.00} deposit is not reflected on the statement, resulting in a total of {$32000.00} missing from my account. I find it deeply concerning that despite reporting these unauthorized withdrawals and fraudulent charges, I have not received any reimbursement or refund for my missing funds. It is distressing to note that the fraudulent charges made to my account have also not been refunded.
Consumer complaint received 2021-06-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (MA)

I have continually ( even through here ) asked that this company send me any correspondence including mortgage statements for informational purposes and other correspondence to my home address that they have on file. My husband XXXX XXXX filed chapter XXXX and also he has a XXXX XXXX XXXX which I dont have access to. He has a key - I dont. I do have access only to the informed delivery of that box which shows me that they sent to items to the box - yet to my home address in my name only - I have received nothing. I have not filed for bankruptcy so if anyone were to default then this mortgage company would come after me, yet they wont send me DIRECTLY to my home address the info I need. Now if they want - I can make sure I change my address and dont forward my mail like XXXX did - so that they dont find me, but I dont play games like that. Secondly, XXXX was pulled out of my dcu ( XXXX XXXX XXXX XXXX ) checking account for XXXX and I would like to know who authorized the payment on the phone because XXXX XXXX isnt an authorized signer on that account so you should have my voice on their allowing you to pull the money and if you dont- then you are allowing XXXX to use my info to pay without my consent and thus I want the recording as does my lawyer for the authorization for the XXXX payment which I know they do. 

This company repeatedly does not listen to what you require and they allow unauthorized transactions and I am getting pretty upset at this juncture with them.
Consumer complaint received 2022-02-23
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. (NY)

I am so agitated! I have no idea what is going on over there at the CFPB. Ive submitted this same complaint XXXX times. You claim Im not the one submitting it. This to me is crazy. So Im submitting it again hopefully for the last time. Experian has been not complying with Fair Credit Reporting Act ( XXXX ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below were opened fraudulently & without my knowledge, consent or authority. I provided them with documents which demonstrated this legal issue but they have ignored these documents. They claim they verified the accounts without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section XXXX by blocking or removing them from my report. Additionally they are violating sections XXXX XXXX XXXXXXXX for willful noncompliance & negligence. I need these accounts blocked/removed from my credit file per XXXX The accounts are as follows - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( Original XXXX : XXXX XXXX ) XXXX
Consumer complaint received 2021-06-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (FL)

I do not recognize this medical debt. I have asked the collection company numerous times to validate XXXX XXXX. Not once have a received a response from CAPITAL ACCOUNTS LLC. They are also illegally charging interest on this not validated or verified account. Last year XX/XX/2020 the collection showed a balance of XXXX}, now a year later it shows XXXX}. The credit bureaus are also of no help, I dont know where else to seek help. This is my last attempt to get answers before I seek legal help. Thank you.
Consumer complaint received 2022-02-23
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)

I have an auto loan with XXXX XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with TRANSUNION & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to OPEN/never late. This is a strict violation of Fair Credit Reporting Act sections XXXX, XXXX & XXXX. They have provided XXXX VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC (CA)

For months, we have have tried to provide United Wholesale Mortgage ( UWM ) proof of insurance for XXXX, through our online account, by chat, by telephone, and by emails ( XX/XX/XXXX and XX/XX/XXXX ). None of these methods has yielded a response. Also, UWMs website says it cancels PMI automatically when the loan to value ( LTV ) ratio reaches 78 % and upon request when it reaches, I believe, 80 %. In the XX/XX/XXXX email, I requested the PMI be canceled, noting that the LTV ratio was below 30 %. The latest monthly payment was {$1400.00}, including {$470.00} for insurance and taxes. The principal balance is {$210000.00} and the property is worth at least {$700000.00}. UMW is still charging us for force placed insurance and PMI.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NH)

In accordance with the Fair Credit Reporting Act 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 XXXXXXXX, has violated my rights.

15 U.S.C. 1681 Section 602 A states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-02-23
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. (NY)

I have an auto loan with XXXX XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with EQUIFAX & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to OPEN/never late. This is a strict violation of Fair Credit Reporting Act sections XXXX, XXXX & XXXX. They have provided XXXX VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. 


XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: COMMERCE BANK (KS)

While trying to pay off an auto loan over the phone on XX/XX/23, Commerce Bank erroneously charged a payment for {$10000.00} to a checking account of mine rather than the account the payment was supposed to be charged to. This resulted in my checking account being overdrawn and being charged a {$32.00} returned payment fee, followed by a {$32.00} stop-pay fee initiated through the bank I have my checking account with after I saw the {$10000.00} payment was trying to go through again. 

I have already called Commerce Bank numerous times, after which I was told they would look into it and report back to me. I have also emailed them a full description of this incident, and never received a single response back. It has now been over XXXX weeks, and I have heard absolutely nothing from them.
Consumer complaint received 2022-12-02
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. (NH)

In accordance with the Fair Credit Reporting Act XXXX 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 XXXXXXXX, has violated my rights.

15 U.S.C. 1681 Section 602 A states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-02-23
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX
Consumer complaint received 2022-02-23
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX, I received an invoice for a " XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Graphic Card '' from a seller by the name of " XXXX XXXX XXXX XXXX. '' I had first encountered them via XXXX as they were a seller. When I purchased their product via XXXX, they had originally shipped the package under the name " XXXX XXXX XXXX. '' However, I soon received an email saying that they were having trouble with their paypal account and that I would need to pay via paypal directly ( which was the invoice they sent me ) and that they would refund me for the initial {$270.00}. They sent me Later on XX/XX/XXXX the seller contacted me via the name " XXXX XXXX '' saying that their previous XXXX account had been reported and that not to worry since it didn't affect paying through paypal. I proceeded as normal through paypal and paid the invoice. After waiting a month for my item to arrive, on XX/XX/XXXX, I messaged the seller to see when I could expect the package. There was no reply. After seeing that the package had been delivered to a post office in XXXX ( I saw this via the tracking number provided through XXXX pos ) I then reported the transaction to paypal on XX/XX/XXXX. They had me write an email to contact the seller. On XX/XX/XXXX, after receiving no reply from the seller and never receiving my item, I escalated the dispute to paypal. Within 10 minutes I received a reply from paypal saying that the dispute was settled in the favor of the seller, with no reasoning as to why. I emailed paypal again, on XX/XX/XXXX, of why the case was settled in their favor when there was clear evidence that I never received my package and no effort from the side of the seller to even contact me. All I have received from paypal so far are only automated emails.
Consumer complaint received 2022-02-23
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. (NY)

I have an auto loan with XXXX XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with EXPERIAN & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to OPEN/never late. This is a strict violation of Fair Credit Reporting Act sections XXXX, XXXX & XXXX. They have provided XXXX VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. 


XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

after numerous disputes XXXX refuses to report this XXXX XXXX account as charged off and not paid. this account is paid and the creditor agreed to delete upon payment.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX ****Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX  XXXX XXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX ****Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX ****Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX ****Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX  XXXX ****Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX under 15 U.S. Code S 1692e - False or misleading representations and should be removed.
Consumer complaint received 2022-02-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

I am currently employed by a third party fiduciary whom in partnership with subscriber agencies locally and federally was able to secure a scholarship and loan for educational purposes for my person. I would like to verify the status of such loan information as it pertains to " 18 U.S. Code 1708 ''.
Consumer complaint received 2016-04-13
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: TOLL BROTHERS INC (FL)

Why do Homebuilders not allow borrowers the right to choose a different mortgage lender than the XXXX they force yo to apply with.? It is unfair practice to force you to use their lender in the process to buy a home. 
Toll Brothers, XXXX, and XXXX XXXX engagin this restricted practice.
Consumer complaint received 2022-02-04
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: EQUIFAX, INC. (NY)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX Account XXXX : XXXX This Account is inaccurate and seeking litigation please delete it once
Consumer complaint received 2021-06-12
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. (OH)

The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : 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 2018-02-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (MO)

I was told by XXXX that I would have a monthly payment of {$84.00} after trying for a month to get them to put me on an income based repayment plan. The lady helping me asked what I needed my payment to be at after I had given her my financial information and I replied stating the payment needed to be under {$100.00}. I was told I would receive my new payment within a week, but it took them a month and I just received a message on my account that my payment was put at {$130.00} for the next 12 months. I feel this isnt right because I was quoted what my payment would be and now it is applied to my account that I will repay an amount that I communicated to them that I can not repay.
Consumer complaint received 2024-03-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

I did not provide authorization or instructions for the incorporation of these transactions into my consumer report. As a result, I formally request the blocking and elimination of these accounts. I want to emphasize that this request is devoid of any errors or misrepresentation of pertinent facts.
Consumer complaint received 2022-12-02
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. (TX)

Fact, The truth and XXXX XXXX is intended to inform consumers about the cost of credit. XXXX XXXX XXXX XXXX XXXX XXXX violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations. 


Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by XXXX, and I have been abused and deceived. So be it. XXXX XXXX XXXX & XXXX CARD are falsely publicizing an account addressed to me on XXXX, Equifax XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXX XXXX XXXX XXXX XXXX CARD have published my information publicly on Equifax, XXXX & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 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. XXXX XXXX XXXX XXXX XXXX CARD have published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. XXXX XXXX XXXX XXXX XXXX CARD have published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations.