davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-04
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 — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (SC)

XX/XX/2018 I sent certified letters to Chase Bank for two accounts that appeared on my credit file stating charge off. I have a son that bears the same name as I. I requested Chase bank to send me proof of my ownership of the account bearing my signature. Up to this date XX/XX/2018 Chase Bank has not sent anything. I then disputed the accounts with XXXX and XXXX and they continue to verify the accounts on my credit file. The bureaus stated their Method of verification was automated and not directly through the agency. How can this be? Chase Bank cant verify.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX
Consumer complaint received 2023-03-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo, in their gross negligence, was effectively responsible for a wire transfer fraud. Wells Fargo allowed TWICE an inbound wire transfer to enter an account whose name did NOT match the name of the recipient of that account. This gross negligence led to me losing money to scammers when I was trying to pay closing costs for a house I was looking to purchase. 

I visited a Wells Fargo branch to try to resolve it and after initial resistance, one of their agents reached out to their investigation department to make a report, but I never saw any response. They would not offer me much help because they claimed that I did not have an account with them ( I have a credit card account with them, but not a bank account ). This makes no sense ; not having an account with Wells Fargo does not give them the license to allow obvious fraud to take place on their watch. 

Ultimately, I only received a partial recall of my stolen money. I am still short {$400.00} from Wells Fargo 's negligence. I need Wells Fargo to refund the {$400.00} remaining from the wire recall I did.
Consumer complaint received 2022-07-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Parkway Financial Group, LLC (GA)

In contract to purchase a new construction home with a builder and lender that are affiliated in the amount of {$220000.00} XX/XX/XXXX. They offered {$5500.00} in closing costs if I used this lender. Second week of XXXX, I Requested that the Rep hold on pulling my credit because I knew a higher credit score was going to be reflected on the new report. Credit report was a day or two from expiration. Rep kept telling me that I should get a FHA loan which I did not want because the PMI never falls off. I asked the Rep why I was not qualified for a 5 % conventional loan. I repeatedly asked for the rep to provide the 5 % conventional scenario. His explanation was that I did not make enough money minus my overtime. I gross over {$10000.00} a month with consistent overtime and without the overtime it's {$6500.00} I believe I was being pushed into an inferior loan product and the underwriter denied my loan abruptly without receiving updated pay stubs, updated employment verification and an updated credit report. I also believe the rep did not listen to me or provide accurate information to get the loan approved. I stated to the rep that the current home that I live in, that I plan to get off the deed when I purchase the new home. I don't believe this was ever communicated. Due to the lack of communication with the sales rep and the denial from the underwriter I felt a distrust moving forward with this lender. I switched lenders and got approved within a few days for a 5 % conventional loan-this was the same type of loan product I kept asking the rep to provide the scenario for me and he never did. I believe that my denial letter was unjust and my need to switch to a competent and fair lender was warranted. I did research on mortgage denials and who gets them. Unfortunately me being an XXXX XXXX  woman puts me in the category of being denied a home mortgage statistically. I requested that the Builder honor the closing cost credits with the new lender. The sales rep stated she took it up to higher management on both the builder 's end and lender 's end and that there is no budging on allowing closing costs from an outside lender. I believe I am being penalized when it was the builder 's lender that was ineffective, incompetent, unjust and biased. My new lender stated that she did not know why they did not approve my loan. I have excellent credit, on my job 2 years etc. I would just like to be made whole and receive the closing costs that I would have gotten if the Builder 's lender wasn't incompetent/unjust.
Consumer complaint received 2023-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Back on XXXX XXXX I filed 2 claims with Bank of America one claim for XXXX # XXXX. And another claim for XXXX claim # XXXX after being denied both claims on XXXX XXXX I called and talked to XXXX from Oklahoma she told me the reason for denial was because they did there investigation and they came to the conclusion that I gave someone permission to use my card So I refiled my claims and this time I had my documents to prove that I filed a police report I emailed the FBI I also filed a claim with the XXXX I also emailed my Attorney Generals office.I also asked for the documents Bank of America used in making this decision which I never recieved.Bank of America ended up approving the claim of XXXX XXXX XXXX but did not approve the second claim which was on the same account as claim one.The XXXX XXXX XXXXXXXX was not approved. I NEVER RECIEVED THE DEBIT CARD BANK OF AMERICA HAS A XXXX LIABILITY JUST FOR THESE INSTANCES HOW CAN THEY APPROVE ONE CLAIM BUT NOT THE OTHER IT MAKES NO SENSE BOTH CLSIMS CAME FROM THE SAME ACCOUNT.AND AT NO TIME DID ANY OF THE REPRESENTATIVES TELL ME THAT I COULD FAX OVER MY DOCUMENTS I FOUND THIS INFO OUT ON MY OWN AND PROCEEDED TO FAX THE POLICE REPORTS THE REPORTS TO THE FBI AND TO THE XXXX JUST WANT THIS ISSUE RESOLVED ASAP.
Consumer complaint received 2022-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions
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 — Account information incorrect
Company: CL Holdings LLC (TN)

On XX/XX/2021, Jefferson Capital submitted a derogatory mark on my credit profile, per XXXX. After looking at what this might concern, it appears that this account was transferred/sold and I am no longer responsible for the account. Also, debtor/creditor did NOT notify my of this collection account nor was there an attempt to verify the collection. I have no written form of communication of this account or a record of my signature for this account.
Consumer complaint received 2023-03-29
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (TX)

No clue what this is and suddenly started getting dings from all the credit monitoring companies I pay for. This is not mine. I looked in my old emails and have not had a loan from this company in over 8 years. Not my debt Deb Recovery Solutions
Consumer complaint received 2023-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AE)

I opened a new credit card and had used it for the past year without issue. Upon receiving a billing statement after the first year, I was charged an annual fee. After consideration, I determined the annual fee wasn't worth the benefits I was receiving from the card. So, I called to cancel the card, citing the annual fee. This was done before the statement due date. The only balance on the card was the annual fee. Bank of America gladly closed my account, cutting off all access to information ( including statements, transactions, online log-in, etc ). Standard industry practice is to waive the annual fee for an account canceled within the grace period of the billing cycle the annual fee is posted in. However, Bank of America refused to waive the annual fee. After shutting me out of my account, they will only correspond by mail and I XXXX the US XXXX on a XXXX XXXX where mail takes XXXX weeks to be received. This means every communication I get from them is outdated. Of course, Bank of America devised a process where they would not confirm that my annual fee was waived, it had to be submitted to some other department for review who would not interface with the customer to answer. By the time I discovered that the annual fee was not waived, I had already been hit with two months of late fees plus interest on the annual fee, resulting in almost doubling the annual fee. After multiple engagements with Bank of America, which were all fruitless as no representatives were empowered to take action, I eventually paid the annual fee with all the charges and have no other recourse than to file a complaint with the CFPB.

Bottom line : Bank of America terms and conditions promised me many things in exchange for the annual fee : earning XXXX XXXXXXXX mileage, a companion certificate, etc. They charged me the fee, but refuse to provide the promised benefits.
Consumer complaint received 2022-07-09
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. (TX)

n accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2022-07-09
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Acct # XXXX / # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXcct # XXXX, XXXX XXXX Acct # 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 a account without my written instructions.
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX USDOE/XXXX  Account # XXXX DPT EDXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I HAVE DISPUTED THESE INACCURATE ITEMS LISTED ON MY CONSUMER REPORT TO NO AVAIL, I HAVE ENCLOSED FACTUAL DATA IN REGARDS TO THE ERRORS AND INACCRAUCIES BEING FURNISHED ON MY CONSUMER REPORT.I AM THE ORIGINAL CREDITOR AND THE CONSUMER I DO NOT VALIDATE THIS DEBT PURSUTANT 15 USC 1692a ( 4 )
Consumer complaint received 2018-09-04
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: CITIBANK, N.A. (MI)

I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 
I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letter certified signature request. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 
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. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

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 have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report :
Consumer complaint received 2018-05-05
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: Security Credit Services, LLC (NY)

The company XXXX XXXX has reported me to the collections agencies claiming I owe XXXX. I have no idea who this company is or who they are referring to that I owe money. I have never received anything in the mail about this company or that I owe money. Im not even sure which XXXX XXXX company this is for as there are many of them in different areas. It shows on my credit report that its rental/leasing, no clarification as to what kind. I have no information to get ahold of them so I have not contacted them.
Consumer complaint received 2018-09-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (DC)

I received a statement from XXXX XXXX stating that I owe my payment to them for XXXX. I called my previous servicer XXXX and the auto message said that my mortgage was recently transferred. I never received anything from XXXX advising this. My auto payment was already sent to XXXX for XXXX. If possible, I would like my mortgage to stay with XXXX. If not, I would need the funds I sent to XXXX forwarded to XXXX XXXX, with no adverse action taken. I have already filed a separate complaint against XXXX.
Consumer complaint received 2018-09-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OH)

I had to XXXX the phone number when it had been a few weeks since my purchase and I had not received a bill. I was able to put in my SOC/zip and it pulled up my balance and asked if I wanted to Pay Balance IN FULL, the balance matched my receipt so I said Yes and paid. Over a month later I received a bill with Finance charges and late charges. When I called the billing rep said she could not fix or adjust my account due to the company going through bankruptcy. She said she would place an escalated complaint and I should get response by mail in about 6 weeks. All that I  have received are more invoices with more interest/late charges. I paid my purchase balance in FULL to the XXXX within a few weeks of my purchase { without having received an invoice }. The invoice I just received says are charging me {$130.00} for lates fees and interest and I do not owe this.
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

I previously disputed XXXX  XXXX from reporting inaccurate information several times each time Equifax updated the creditors inaccurate information Equifax removed all of XXXX  XXXX 's reporting information when the creditor should have been removed all together XXXX  XXXX is reporting as a open account when this is not true Equifax is reporting XXXX XXXX inaccurately and refuses to removed this information XXXX XXXX is reporting different amounts to all 3 of my credit reports Equifax is refusing to let me re-dispute creditor XXXX from reporting inaccurate reporting information I have not consented to Equifax XXXX or XXXX  to share any of my information to help creditors report inaccurate information
Consumer complaint received 2022-02-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (PA)

I received a text message on 2022 XXXX XXXX from TD bank which read : TD Bank : Welcome, XXXX. You have a mesage. TAP : XXXX Txt HELP for info or STOP to optout. Msg & DataRatesMayApply. XXXX I followed the link and it appears that a checking account has been opened in my name ( XXXX XXXX. ) I have XXXX ( XXXX ) bank accounts but NEVER have opened one with TD Bank. In addition, my son who is married and lives away from me, has been receiving emails regarding my checking account. We have NO connected bank accounts.
Consumer complaint received 2021-03-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (AZ)

I have XXXX Bitcoin with Coinbase Inc. 

On XX/XX/21 I requested a transfer of {$2000.00} to my bank. 
I was immediately notified that the sale had been started, but the money was not transferred. 

On XX/XX/21 I requested a further {$1500.00} which was not transferred. 

Coinbase has not responded.
Consumer complaint received 2018-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IL)

Recently a collection agency has attempted to collect a debt from XXXX  that wasn't mine for the amount of {$1300.00}. the debt was later discharged and affidavit and police report was given to that last collection agency that this debt was sold to by XXXX and was resolved so i thought. I now received notice from another collection agency ICSystems Acct # XXXX for the same debt and amount. this account was file as a identity theft claim. report was made regarding my identity with the Federal Trade Commission report # XXXX and police reports was made with my local police department for victim deceptive practices. XXXX is threatening my financial future as well as IC Systems. to attempt to collect a debt twice regardless of the fact reports was made for identity theft is unfair and breaks multiple rule according to The Fair Credit Reporting Act.
Consumer complaint received 2018-09-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (MI)

I have a 30 yr mortgage with Caliber Home Loans for the past 3-4 yrs. As of XXXX-2018, they began adding on a {$3.00} fee per month for paying the mortgage online. This doesn't seem fair to me. They state that if I setup a scheduled monthly payment cycle on a certain date then the fee won't apply. I'm not able to do this - I manage my mortgage payment based on pay dates between my wife and I. I don't feel that Caliber should be able to add this fee on. Please advise. 
Thank you.