davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-13
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: AMERICAN EXPRESS COMPANY (MO)

On XX/XX/2021 I submitted a complaint to the cfpb XXXX concerning American Express. 
I would like to understand why on XX/XX/2021 American Express contacted me by email stating heres confirmation of your recent address update. Were confirming your request to update your address for your card ending XXXX. We have also changed your address for any other accounts you specified at the time of request. 
I never sent Amex any request other than through you the CFPB which it is odd that they are communicating to me by email and not responding to you ( CFPB ). I suggest Amex is forging statements and documents which also is validating my claims that they are not following the proper Rules under the 15 USC 1692. I suggest Amex cease any fraudulent tactics and communicate directly by response to the CFPB.
Consumer complaint received 2022-02-16
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: Experian Information Solutions Inc. (NC)

The FCRA requires you to verify the validity of the item within 30 days. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I am not requesting the itemized bill, I am requesting an instrument bearing my signature. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. 
By law, if you have charged off a debt, the consumer no longer owe it. You have accused me of owing this debt yet you have had personal gain by writing it off. You continue to report a balance to the bureaus which is inaccurate. In fact, I have no personal gain from this alleged account since it is reporting as closed. You have no right to continue to damage my credit over an alleged debt that you have received gain from the government. " I received your letter & I am the one inputting this dispute. My last one was closed for no reason ''.
Consumer complaint received 2022-02-16
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. (NC)

The FCRA requires you to verify the validity of the item within 30 days. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I am not requesting the itemized bill, I am requesting an instrument bearing my signature.

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA.

By law, if you have charged off a debt, the consumer no longer owe it. You have accused me of owing this debt yet you have had personal gain by writing it off. You continue to report a balance to the bureaus which is inaccurate. In fact, I have no personal gain from this alleged account since it is reporting as closed. You have no right to continue to damage my credit over an alleged debt that you have received gain from the government. " I received your letter & I am the one inputting this dispute. My last one was closed for no reason ''.
Consumer complaint received 2022-02-16
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. (CA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2018-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF HAWAII CORPORATION (HI)

XX/XX/2018 checked my online account making sure no auto payments went through called customer service to confirm what Ive seen on my end she sees on her end. My account in positive. I didnt want any surprises. It was XXXX in Hawaii and Im expecting a direct deposit by or before midnight. XXXX I check online app again I see - {$260.00} Something, not sure of change. Called Bank of Hawaii and after entering my information it tells me my balance is {$50000.00} something in change. I go back to my online and Im locked out I have to reset password and get back in and in the meantime Im waiting on hold for a customer service representative. She finally answers me before midnight I let her know whats happend and I finally get back in online it shows me my balance at {$740.00}. I let the representative know I called in on purpose to make sure this Wouldnt happen again me paying an overdraft fee {$26.00} and my bank rejected my payment sent back unpaid! I was on track monitoring my back how they been deceiving me and taking my money every week! Im positive theyre doing it to everyone. I need your help to get to the bottom of this and exposing them.
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX  refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.
Consumer complaint received 2023-03-27
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. (IL)

Filed a dispute on XXXX XXXX XXXX. Transunion claims they verified but have not produced proof of verification when requested. I know they cant be verifying it because it does not belong to me but they still wont delete it
Consumer complaint received 2021-04-13
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8700.00}, {$23000.00}, {$39000.00}, {$10000.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$39000.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Consumer complaint received 2020-08-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

Checking account closed without notice, fund was on hold. Called customer support many time and went to branch to submit my ID and supporting document. Customer support has verified the document is legit and have requested for fund release. Got letter from executive office that my fund is still on hold with suspected fraud when I have provided all the documents and my identity was verified.
Consumer complaint received 2021-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Chime Financial Inc (WA)

I received an email from Chime indicating that I had opened an account. I did not. I received another email stating that my account balance was getting low. The next day I got another email saying my new card was on the way. I sent an email to the customer service email letting them know I did not open an account, and that they needed to close this right away. I did get emails back stating they were closing the account and blocking it from being reopened which is great, but they wanted me to send a copy of the front and back of my drivers license and a picture of me holding the license. I find that incredibly suspicious and I told them I wouldn't do that. I did let them know however that I was going to file a complaint with the FTC. They said I could send a copy of the report. I would like to get this resolved as quickly as possible.
Consumer complaint received 2020-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (SC)

Wells Fargo continues to ignore my question. The last complaint I opened for this same reason was answered with " we've updated your phone number ''. I've called CFPB and informed them Wells Fargo is unwilling to cooperate with me during this process and they've taken notice. They have informed me to continue submitting as many complaints as it takes to get the answers I need. 

So, here we go again. 

Parameters and rules surrounding a mortgage recast are not publicized ANYWHERE. 
I've been asking for this information for years ... in writing through these complaints and over the phone in various depts. Sadly, a little bit extra information seeps out with each additional CFPB complaint. 

I NEED ALL PARAMETERS AND RULES SURROUNDING A RECAST PUT IN WRITING. 

Put it in writing to lock in the features/rules/durations ( ALL GUIDELINES ) so that Wells Fargo does not try to change course when I'm ready to recast. 

Wells Fargo treats recasts VERY DIFFERENTLY from most banks - and DOES NOT PUBLICIZE THIS information. You have a minimum amount XXXX TIMES ABOVE most banks. People in your mortgage department I spoke to today XXXX refused to put the rules in writing for me. 

Complaints will continue. 
It took your bank 60 days to respond to the last similar complaint with " we've updated your phone number ''. Seriously. Looking forward to the half-baked reply to this XXXX.
Consumer complaint received 2018-05-25
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

- XX/XX/XXXX ; XXXX XXXX was charging $ XXXX.Claim for Excess Wear & Tear, after returning leased car. 

- XX/XX/XXXX ; Made for Total Settlement Amount Due {$1200.00} ( Account Balance {$1600.00} ) Payment Installment Plan with XXXX XXXX Down Payment Promise Date XX/XX/XXXX - {$610.00} ( Paid on time ) Final payments @ {$610.00} XX/XX/XXXX {$610.00} ( Paid on time ) Total Payment Installment Plan : {$1200.00} -XX/XX/XXXX ; XXXX XXXX  credit report to Potentially Negative Account with late payment. 

- XX/XX/XXXX XXXX XXXX sent confirmation mail, " XXXX has been settled and you are released from any and all obligations ''. ( Attached Documents with copy of check ). 

-XX/XX/XXXX Made a phone call with XXXX XXXX discussing why my credit report was negative when I already payed off the settlements on time. The reply was if I paid off my remaining balance, the credit report wouldn't be negative anymore. 

-XX/XX/XXXX *Payed off remaining balance of {$400.00}. 
*XXXX  XXXX sent confirmation mail, " XXXX is now satisfied and you are released from any and all obligations ''. ( Attached Documents with copy of check ). 
*Credit report remained negative even after receiving these confirmation letters. 
*Made a call to XXXX about this issue ; wasn't given a solution. 

-XX/XX/XXXX *Disputed to 3 Credit Bureau for issue ( See above ). 
*Received dispute result from EXPERIAN XXXX " Completed investigation of FCRA dispute - consumer disagrees '' OR XXXX XXXX XXXX " DISP INVG COMP-CONSUM DISAGRS ; >SETTLED-LESS THAN FULL BLNC< ; CLOSED. '' * Also, XXXX sent the result by E-mail. But it wasn't opened. It looks like some kind of security problem. Any how I need to phone call to them. 

Thank you!
Consumer complaint received 2023-03-27
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 or 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

I have 2 personal accounts that are removed from my credit report. It has been removed for a while now. 
XXXX XXXX XXXX was opened XXXX XXXX Limit {$30000.00} XXXX was opened XX/XX/XXXX Limit  {$30000.00}
Consumer complaint received 2018-11-28
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 — Problem with personal statement of dispute
Company: Diversified Consultants, Inc. (PA)

I have been trying to get this debt properly verified. I have requested for original contract. They refuse to provide this information. Every month they report the account as late to the XXXX Agency and it decreases my score. I have been trying to deal with this for a year. I dispute this account and XXXX says it has been verified, but there is no proof. Diversified Consultants have been reporting since 2017.
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO Bank, N.A. (CA)

After XXXX  years as a customer of Bank of the West, now BMO. they closed my account without notice as they state there was an incident where I was rude to a teller in thier XXXX XXXX. 

They closed the account on XX/XX/XXXX, adn I received a letter in the mail informing me of this on XX/XX/XXXX ; however the letter was dated XX/XX/XXXX. 

Not familiar with this incident, and I am a XXXX XXXX XXXX female receiving XXXX XXXX, and the next XXXX XXXX  check sent to this account will be rejected, if they do not make arrangements for me to get the funds.
Consumer complaint received 2022-07-27
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. (NY)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXXIf you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-03-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Global Lending Services LLC (CA)

on XX/XX/XXXX financed a vehicle for estimated {$35000.00}, the following year around XXXXXXXX XXXX XXXXXXXX i recieved a message from the sales rep from XXXX XXXX, where i purchased the vehicle, and i was notified that my bank informartion would change on who i would make payment to, and there was no further action to be taken on my end. a couple weeks later i recieved a call from the new bank XXXX, to verify my information and that i had the vehicle in my possession .then i noticed that my payment date changed, and my monthly payment was also higher, as well as a higher interest rate. than the one XXXX initially agreed to. after being constantly harrassed by this company calling me night and day multiple times, many red flags started to raise. i called the salesman and demanded to see my contract, which he never provided. then after months of harrassment from XXXX i received the contract from the bank, which i noticed that my signature was forged, i had a higher intrest rate and the vehicle was paid off from the original bank and resold to me for the same price, my rights have been violated, and this is a fraudulent loan, i did not read or sign the contract for this loan, nor did i agree to the terms.
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (SC)

On XX/XX/year> I wire transfered {$20000.00} from my Truist Bank account to another Truist account holder. The wire seemed to proceed normally, but then I was informed that the recipient 's account had been blocked. Initially, I was advised that this would be resolved within a day or two. That has NOT been the case. Truist continues to block these funds as of this date. I understand that Truist has full authority to do this. My complaint is that by blocking these funds, I endured great hardship to fulfill my commitment to the recipient and was finally able to arrange payment via other resources. I believe Truist has been unconscionable in blocking these funds for almost 4 months.