davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-14
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)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America allowed a person to enter a location in Michigan ( I live in Texas ) and allowed them to withdraw {$9500.00} from my account and gave the person a temporary debit card which allowed them to withdraw an additional {$1000.00} from my account. The bank did not utilize any secondary identification such as the password on the account or sending a text to my phone to verify my identity. I have spent now over 10 hours in a week trying to work with the horrible multiple departments to get money back in our account. There is on consumer advocate to deal with when the theft was due to the bank 's failure in policy.
Consumer complaint received 2021-08-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

Loan # XXXX was sold by XXXX to NewRez. NewRez is supposed to pay mortgage insurance with part of the payments I send them. Last month, they didnt pay insurance, and my insurance company, XXXX, was finally going to cancel my insurance, so I paid it myself. So essentially I paid it twice. I tried calling NewRez and got transferred twice, the last time was to a useless voice recording with no help options. I emailed NewRez. On XX/XX/XXXX, they responded : We received your email and are working to gather the requested information and will respond as soon as possible.. Its the XXXX now, so no response in 20 days. My next payment is due and I dont want to overpay again.
Consumer complaint received 2021-12-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST HORIZON BANK (FL)

I am a first-time home buyer and I started on my home purchasing journey in XX/XX/XXXX. In this process, I have dealt with two loan officers. The last Loan officer I was introduced to by way of a realtor I was working with at the time. The loan officer 's name is XXXX XXXX, she works for IberiaBaknk/First Horizon. Her NMLS ID # XXXX. I was Pre-Approved through XXXX XXXX for a loan amount of {$230000.00}. After being pre-approved through XXXX XXXX I begin house hunting with my then realtor XXXX XXXX. My experience with XXXX XXXX as a first-time homebuyer was frustrating and produced no results for me. After expressing my concerns and frustrations with XXXX XXXX I decided at that time to sever our relationship but continue my financing with IberiaBank/First Horizon. 

After I discontinued my relationship with XXXX XXXX, I informed XXXX XXXX of my new realtor. After she was informed that I would be working with a new realtor there was a shift in her communication with me, her approach with relaying information to me, her attitude changed for the negative overall. I continued to search for a home on my own and after I had found a home within the pricing of my pre-approval from XXXX XXXX, I informed her of the realtor that would be assisting me with the closing of my contract. At this point, its technically 10-15 days until the expiration of my pre-approval letter. XXXX has received all documentation she has requested from me and has not mentioned any issues as she is receiving requested documents. My closing date was set for XX/XX/XXXX, XXXX XXXX has not called me to provide any updates related to financing issues. On XX/XX/XXXX she called me to inform me that now, I do not qualify for any loan due to my income decreasing by {$270.00}. As I would think any good, reliable, and savvy Loan Officer would present the Buyer with options on how to work around the minimal change in income to secure the contract that has been put in place. She has made it clear to myself and the new realtor team that I have been working with that she is against the idea of me being approved for a loan to make a home purchase due to personal relationships that would not be gaining from my home purchase. She has displayed unprofessionalism by not communicating properly, intentionally giving misleading information to discourage the purchase of a property. I ask that XXXX XXXX be investigated and have all of her DENIED applications audited to see if there is a trend in her behavior with past clients. She needs to have a neutral position in the home purchasing process as the Lender, and not favor a specific realtor to ensure commissions for them.
Consumer complaint received 2021-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2021 at XXXXXXXX XXXX an unauthorized fraudulent wire transfer was made from my checking account by a person unknown to me. I went immediately to my nearest Chase Bank branch. At XXXX the XXXX Banker make a request to recall or stop the fraudulent wire transfer. The wire was not stopped or recalled and a thief got {$14000.00} out of my checking account. I have been trying since that day to get resolution but have not received my funds back and it appears that Chase has no intent to refund them.

I did what I was supposed to do. Chase did not.
Consumer complaint received 2022-10-12
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. (GA)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681, and they Violated my rights numerous times. I demand the accounts listed below to be removed because. 

According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXXXXXX XXXX Account number XXXX XXXX, Accounts : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-08-11
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: FirstTrust Financial LLC (CA)

I am an holder of accounts that have questions regarding medical employee participate benefits that need correction for. I have future cases that will reflect upon this that I am taking precautionary steps by reporting. Positions held prior were unpaid while establishing my enterpenual status. Down the line after audit we. May find cases of arrears. I greatly appreciate your assistance.
Consumer complaint received 2022-03-28
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. (CA)

This account is inaccurate in multiple ways balance, open date, last payment date past due delinquencies in the wrong year and please delete these errors for it is very damaging to my credit report and is harming my reputation I have a recent statement from XXXX to prove this account is inaccurate on many levels please delete ASAP.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} Date Opened : XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$260.00}
Consumer complaint received 2021-07-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (MD)

I paid the amount. And 3 three years later my wages were garnished for collection fees that were not indicated on the initial statement no validation was provided please see attatched documents attention to date Initial debt $ XXXXXXXXpaid in full XXXX with cashiers check that cleared bank Additional fees not reflected in the billing statement that validated $ XXXX In the amount of about XXXX dollars for a Total of about XXXX dollars XX/XX/XXXX Three ( 3 ) years later garnished wages, never received court notice disputed additional charges. Paid additional amount over 5 months Should not have been charged collection fees predatory, fees and unfair, process shady very shady need help and explanation.
Consumer complaint received 2019-06-27
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: JPMORGAN CHASE & CO. (FL)

Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : CHASE CARD, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. 
ACCOUNT NAME : XXXX/XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX ..., REPORTING ON : XXXX, XXXX AND XXXX,
Consumer complaint received 2023-08-20
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. (AZ)

I reviewed my consumer reports and I notice that I have to late payments on an account that I was never late for. Cosumer reporting agencies have assumed a vital role and have the responsability to report consumer information to the best of their ability with maximun accuracy. I have never been late on payments for this account XXXX XXXX please investigate and provide proof with statments showing that the payment was late. If proof can't be provided I demamd these payments are updated to on time as they should never late.
Consumer complaint received 2022-07-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (ME)

I have contacted Chime Bank about charges that I have authorized to my account concerning a game in the XXXX XXXX. I have told them that the game developers has recently closed the game and removed the game from the App Store without notice and left away with a lot of peoples money including myself for purchases weve made in the game and can no longer receive or have yet to receive because they have removed the game from the app store. I showed them proof of all the complaints from all other customers and have screen shots of the company completely vanishing without answering questions or support tickets Ive submitted. The charges stem back from XX/XX/XXXX and are in multiple increments of over 30 different charges. Chime bank has denied my complaint and dispute, and they are liable under the FCBA to resolve this issue and give me a refund or charge back due to me not receiving purchases I have made.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NH)

The privacy ACT of 1974 covers this complaint. 
credit card and all the secondary reporting agency 's XXXX, experian, XXXX checks systems ; are reporting false and inaccurate PUBLIC & PRIVATE information including removal of checks and inquires. and knowing it is unlawful to REPORT ANY TRANSACTION ON A CONSUMER FILE.15 1681-.16cfr433.1.2 also committing language fraud 17cfr 424 all these violations are also prohibited under the ( FTC act ) 15usc45 prohibits 'unfair deceptive acts and practices affecting banking commerce & consumers in the normal course of commerce.also maybe i need to mention and remind the CRA 's CREIDIT CARD COMPANYS & BANKS ABOUT ( 5 u.s.c 522.a ) which refers and states the facts of ANY RECORDS MANTAINED ON ANY INDIVIDUALS.I am not even gunna begin to dive or discuses all the security fraud that has been committed in my name in this report there wouldn't be enough space to do so. but don't think its not going to happen in the very near future.so herein this report there is XXXX or more charge offs and XXXX hard check removal 's that have been removed from XXXX and not others there needs to be few more hard checks removed as well from all CRAs. so all the charge offs and removals of hard checks and all derogatory comments need to addressed immediately!!!!!!!!!
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I recently found that there are several inaccurate items on my credit report that do not belong to me. I do not have a record doing business with these companies. If these items are not deleted off my credit report immediately, I will be forced to contact a consumer rights Law Attorney and sue on the basis of defamation of character and denial of credit. I have documented all correspondences with The Credit Reporting Agencies ( Equifax, XXXX, XXXX ). Please remove these inaccurate accounts, as you know they are in violation of the Fair Credit Reporting ACT Section 609 ( B ), FDCPA Section 807 Violation of False and misleading representation. Thank You.
Consumer complaint received 2021-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

Re : Wells Fargo Claims # XXXX Booking my XXXX year old son and I on XXXX XXXX XXXX trip flights, a perpetrator pretending to be XXXX XXXX resulted in the following five Wells Fargo claim disputes : ( 1 ) {$510.00} The subject line to the XX/XX/XXXX email confirmation receipt of the booking reads, " XXXX XXXX Booking Confirmation # XXXX. '' Immediately following the email, within the thread were additional flight details, described as follows : XX/XX/XXXX XXXX Flight # XXXX XXXX - XXXX XXXX XXXX, XXXX Flight # XXXX XXXX XXXX XXXX - XXXX ( 2 ) {$380.00} XX/XX/XXXX XXXX XXXX Flight # XXXX XXXX - XXXX XXXX, XX/XX/XXXX XXXX XXXX Flight # XXXX XXXX XXXX - XXXX ( 3 ) {$380.00} XX/XX/XXXX XXXX XXXX Flight # XXXX XXXX - XXXX XXXX, XX/XX/XXXX XXXX XXXX Flight # XXXX XXXX XXXX - XXXX * Additionally, a {$770.00} pending charge reflected on the account, naming XXXX XXXX the merchant. Divided in half, the charge accounted for the two {$380.00} charges, totaling {$770.00}. 

( 4 ) {$340.00} XX/XX/XXXX XXXX XXXX Flight # XXXX XXXX, XX/XX/XXXX XXXX XXXX Flight # XXXX XXXX ( 5 ) {$340.00} XX/XX/XXXX XXXX XXXX Flight # XXXX XXXX, XX/XX/XXXX XXXX XXXX Flight # XXXX XXXX The disputes resulting from Wells Fargo charges, totaling {$1900.00} for the two XXXX XXXX trips to XXXX, Hawaii and back to XXXX, Texas appeared to be authentic on the surface, being that we did arrive on the island. Following the arrival, XXXX XXXX advised me that my return trip was never arranged and that I had been misinformed of travel rules, resulting in our turn around trip to avoid the hotel costs of a 14-day quarantine. Related to Covid-19, these rules were not provided by the XXXX XXXX perpetrator and required that I leave the island. Stranded with child, without an authentic return trip, I was forced to purchase two tickets at $ XXXX ea., totaling {$690.00} on XX/XX/XXXX. 

I strongly feel that the bank has failed to throughly investigate the {$1900.00} charges without any prejudice and discrimination based on race, ethnicity, power, social class, and prestige. On XX/XX/XXXX a claims representative, known as " XXXX '' advised that I did not qualify for a reconsideration and could not explain why, leading me to believe other factors were wrongfully considered in the denial of claim # XXXX.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (VA)

I purchased a home in XXXX, Fl. in XX/XX/XXXX, the lender was American Servicing Company ( ASC ) and I was never late, never missed a payment. I had no issues, until the mortgage was sold/and transferred to another lender ( Wells Fargo ) in XXXX  XX/XX/XXXX. ASC continued to report to the credit bureaus on the account although the mortgage was transferred to Wells Fargo, and I was then paying my mortgage to Wells Fargo. ASC reported to the bureaus, non-payments on the old mtg. account with them from XX/XX/XXXX through XX/XX/XXXX -- although I contacted their office, my attorney contacted them, and I wrote letters to the credit bureau, who tried to have them clear it-they refused. As of today ( XX/XX/XXXX ), the negative report from ASC still appears on my actual credit report as a negative item impacting my score, and it is listed on the 3 bureaus that I have 2 mortgages ( ASC and Wells Fargo ), and the one at ASC lists as 90 days late. Then, as I begin investigating this further again, writing letters to all the bureaus about the situation with ASC and Wells Fargo, all of a sudden Wells Fargo began reporting me late on my mortgage payment with them, after I have had a 7 year payment history of on time payments with them, and no late payments, and a current account in the midst of this devastating pandemic. The bureaus have requested documentation/ proof from both of them, Wells Fargo refused to change their report and so did ASC XXXX and refused to provide proof. These are affecting my total financial wellbeing. The fair resolution should be that ASC needs to completely remove their account from off my credit bureau report/clear the negative items for the 8 months that is listed -- which were after the mortgage was transferred over to Wells Fargo XXXX Additionally, Wells Fargo also needs to clear their negative report because my account with them is paid on time, and is current, and has been on time for the past 7 years. It has been a 7 year nightmare of with these 2 players in the banking industry, to try to correct the incorrect reporting of these accounts.
Consumer complaint received 2021-08-26
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: ALLY FINANCIAL INC. (NJ)

Fraudulant Inquiries, address, and credit accounts that I never opened. Address I never lived at. Someone is pretending to me and i need these accounts to be removed due to XXXX
Consumer complaint received 2021-07-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: C/C Financial (OH)

I got approved for a {$900.00} credit line thru Preferred Lease while I was shopping aXXXX XXXX XXXX XXXXXXXX XXXX at XXXX XXXX XXXX, XXXX, OH XXXX on XX/XX/2021. My phone number for the account was XXXX ). My address for the account is XXXX XXXX XXXX, XXXX XXXX, XXXX, OH XXXX. I purchased a pillow top mattress set on XX/XX/2021 for {$430.00} without tax. The store owner told me that they would send me the mattress set and set it up on XX/XX/2021 at no cost to me. For some reason they called me around XXXX XXXX  on XX/XX/2021 offering to deliver it that night. The delivery went fine expect that the mattress was wrong and I needed them to send me the one I ordered I called them on XX/XX/2021 and spoke to the female receptionist at the store phone number XXXX who stated that they would not refund me even though they sent me the wrong mattress. The thing is I did not sign any documentation for the mattress when it was delivered. They have no proof that I had received the right items during the delivery specifically the type of mattress that I ordered and that were supposed to deliver. 

I ended up calling the Preferred Lease ( credit line provider XXXX customer service between XX/XX/2021 and XX/XX/2021 attempting to resolve the situation. The representatives in their customer service department did not seem willing to assist me with anything. I wasted a lot of time arguing with them. I explained that I intended to send supporting documentation and they refused to let me. I eventually ended up talking to someone I thought was very helpful. At first they told me that they'd have a regional manager reach out to the store and resolve the situation on XX/XX/2021. When I called back on XX/XX/2021 after waiting about a week, after their customer service told me to wait 48hrs for the regional manager to get back to me, they said that they couldn't do anything for me since, I quote " they said that they gave you the right mattress so there's nothing we have to do. '' At that point I ended up just paying the full amount because they " informed '' me that they would put the account in collections along with extra fees if I did not pay. I have clear evidence that the mattress set is not legitimate. They gave me a random mattress that's value is unknown and could be used or valued less than the mattress set I selected and purchased.