davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter to CREDIT BUREAUS on XX/XX/2022 to remove XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : 10 XXXX XXXX XXXX ) XXXX Balance XXXX {$780.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$120.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$810.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$780.00} ; XXXX XXXX XXXX XXXX XXXX : 10 XXXX XXXX XXXX ) XXXX Balance XXXX {$780.00} that are UNKNOWN to me . I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX, XXXX, and TRANSUNION are required to remove any items or information not later than 4 business days after the XX/XX/XXXX letter.Ive already included this in my previous Complaint # s XXXX, and XXXX & I am including it again.
Consumer complaint received 2020-06-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I supplied my information for a new Heloc application with Bank of America, I advised that the reason for the application was that I just completed a refinance and my existing Heloc with Bank of America was part of the closing requirement to have closed. Both my wife and myself have credit XXXX, enough equity to qualify as we had an existing one with the bank. I was asked after the application was submitted and they ran credit, to send additional documents for the final closing and was verbally told it was approved. I sent income and other personal information. A few hours later I was called and advised that because I no longer have my first mortgage with the bank, they declined me. I was not only confused on why they would initiate a credit application when I advised them I dont have my first mortgage with Bank of America, they agreed to reverse the hard credit pull, still pending a letter that shows that it was reversed. I also asked since they took the application and ran credit, to provide a decline letter. I thought this is my right, I have not got a decline letter. I am asking for 1 ) A letter showing the credit correction and that they have updated the credit inquiry from a hard hit to soft hit or full removal. 2 ) I am asking for a decline letter showing reasons as I thought not only is my right to have the reasons, it would be out of compliance to take my application and not tell me the decision in writing.
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NY)

I used my card to make a purchase. It was then declined. I called to verify my identity only to be told that the phone number that I used to open my citi credit card can not be used to verify my identity. Then after speaking to numerous representatives I was told that I can not verify who I am over the phone and would have to wait for a letter to come in the mail just to verify who I am. I told the representative this is a tedious process and it is hindering my use of the funds avaliable on the card. I feel like I am getting no help at all from citi bank and this is something that should be legally addressed.
Consumer complaint received 2020-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo contacted me in the Summer of 2019 indicating they believed my card was being used fraudulently. Multiple charges were being made in XXXX, MD, my home is in Pennsylvania. Of note, I do not have a cell phone, I have a land line only at my home. As such, when they called I was home to receive the call. I indicated those were not my charges. They informed me that they had received a change of address and had then sent a new card to the new address, it is a boarded up row home in XXXX. I told them I have not moved and had not requested a new card. The card was closed and I received a new card. A few weeks later I received a letter from Wells Fargo they had reviewed the charges and determined they were mine. I called the company to dispute this, again, I was home in Pennsylvania when they initially contacted me, I was told I had to submit a rebuttal in writing. I immediately wrote a letter and sent it to the address they provided. A few weeks later I received a bill with late charges. I again called to ask about the status of my rebuttal. They claimed they never received my letter and I needed to submit a new one via fax. I printed my letter and took it to the Wells Fargo office in XXXX, PA. To date I have not received an answer, but did receive another bill telling me I am delinquent and they were closing my account.
Consumer complaint received 2022-07-23
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. (SC)

I sent a letter on XX/XX/XXXX to remove the unverified inquiries that reporting in my credit file. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any information/accounts/inquiries not later than 4 business days.Please find the required documents to assist in the blocking of these unverified inquiries which is being posted to my report. Here are the list of inquiries that I want to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

I have had my checking and savings account accessed by hackers on XXXX different occasions. I have spent XXXX hours on hold, in branches and speaking to wells fargo employees filing claims, changing bank account numbers and checking on status of my claims. I have truly been a victim and I had to do the majority of the work to rectify this situation. It is only today, after I received information that a debit card that I did not even receive, had been used to take out XXXX XXXX dollars after it was declined at a XXXX after being flagged. I never received the debit card, yet these individuals were able to take out that large amount of money. In my previous claims these same people opened a bank account attached to my primary account and racked up thousands of dollars of purchases, transfers and bill payments to accounts that I have no connection or am aware of. I have had to have online banking services disabled, not had a debit card for more than a month now, and nothing has been done to rectify this situation on Wells Fargo 's part. Only today, after several instances of fraud, is it now at an executive level of review. I am disappointed, tired, frustrated and angry. Banks are supposed to protect customers from this type of situation, but I have been a victim of it several times. The people breaking the law have accessed my accounts more than I have in the last month. It is truly disgusting. I have had good standing with this bank for close to 30 years, and this is how I am treated. Frauded several times with no resolution but to inconvenience me and cause me extreme distress.
Consumer complaint received 2018-07-17
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CURO Intermediate Holdings (TX)

On Monday XX/XX/2018 I received a voicemail from a XXXX XXXX XXXX from the " XXXX XXXX XXXX XXXX XXXX. '' He stated in the voicemail that I had 3 criminal charges pending against me and if I did not call him they would start criminal proceedings and have me arrested. I, not knowing what this about, called him back and left a voicemail message with my name and phone number asking that he return my call. This morning XX/XX/2018 at XXXX XXXX I got a return call from a XXXX XXXX XXXX " an attorney representing XXXX, '' stating that I had 3 criminal charges in the State of Texas for stealing money from a payday loan company. He would not tell me which company. He stated that within hours the police would be at my job to arrest me, my fines now were at {$5400.00} and that they would only grow if I didn't pay now before the police got involved. 
I asked again who was the original creditor and he refused to tell me except to say that XXXX represents a family of payday loan companies. Since I didn't offer to pay the money, I presume the policy are looking for me.
Consumer complaint received 2023-03-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (SC)

On XX/XX/XXXX, I opened a citizens access account at XXXX. 

I funded the account with {$3500.00}. 

On XX/XX/XXXX, I decided that I would withdraw {$100.00}. On XX/XX/XXXX, I decided to move all money {$3400.00} from Citizens Access because the website doesn't work well and I'd rather use a different bank. 

These funds were sent back to me on XX/XX/XXXX. 

On XX/XX/XXXX, Citizens access decide to reverse both ACH tranactions and took {$100.00} back to the original account. 

The XXXX had already been moved to another account and was not able to be reversed. 

I did NOT ask to reverse this transaction. 

Today, on XX/XX/XXXX, I went on to the online access for my citizens access bank account and it shows that it is overdrafted by XXXX. 

Today I also called and spoke to customer service. After verifying I am told that " the bank is no longer doing business with me and has nothing else to say '' The bank owes me {$100.00} and I need the XXXX overdraft balance corrected and the bank account closed.
Consumer complaint received 2023-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (AK)

XX/XX/2023 I requested help canceling outgoing funds transfers of {$1500.00}, $ {$1200.00}, and {$1200.00} that were sent as part of a scam from XXXX. This company was Chime banking. I was told it was not possible.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

The inquiries listed below I have no knowledge of apply for. I was told by the banks they would remove the inquiries. I have attached letters. 

please delete inaccurate inquiries listed below : XXXX XXXX BANK XXXX XX/XX/2022 delete, XXXX XXXXXX/XX/2022 delete, XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX delete, XXXX XXXX XXXX XXXXXXXX XXXX  delete, XXXX XXXX XXXX XXXXXXXX XXXX  delete, XXXX XXXX XXXXXXXX XXXX delete, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX delete, XXXX XX/XX/2022 delete, XXXX XX/XX/2022 delete, XXXX XX/XX/2022 delete,
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

I have disputed all of my personal information as well as disputed all inquiries that I have listed below as fraud as I am a victim of identity theft and fraud and the credit bureaus have not removed these from my credit reports. 
I have contacted each of these companies and they could not verify why these inquiries were made and informed I needed to contact the credit bureaus. 

I have filed police reports # XXXX as well as filed identity theft and fraud reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX
Consumer complaint received 2021-06-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. 
XXXX XXXX XXXX BK OF AMER XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-03
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. (NC)

Requested copy of XXXX Report to show bankruptcy is not on credit file. Experian, XXXX, and XXXX  advised they receive information regarding Public record from XXXX. Sent dispute to Experian, XXXX, and XXXX  regarding the information on credit file is incorrect. They advised the information is correct. Ordered another copy of file from XXXX XXXX and sending information over to CFPB to address the inaccuracy of information regarding public record on my credit report.
Consumer complaint received 2021-06-10
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (MI)

PLEASE SEE ATTACNEMent fha emails me today and states it was not there decision to decline my loan application that has been in process since XX/XX/XXXX! XXXX the manager has lied and stated this was huds decision when it was NOT, caliber never pulled my credit, caliber does not know my credit score, caliber has not YEt replied nor told me what it is I really need to close out my loan! Caliber sent me a denial letter XX/XX/XXXX stating they denied me to sue to credentials, never probes or said what those are, caliber has had my loan application opened for almost a year! Caliber did not act out of good faith! I have showed caliber court documents to remove the ex boyfriend ordered by a judge and they are not understanding the a judge order is final, what do I have to do really get my lawyer involved & end up in federal court with you caliber home loan, youve failed me as my lender and not one have I defaulted in my mortgage payments! I just wanted to Refinance my house for a lower intrest rate, never asked for a cash out,,
Consumer complaint received 2021-06-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Medical & Professional Collection Services, Inc. NC. (KY)

Company never sent me notice of medical debt owed and is now using fake phone numbers to contact me. They call from phone number XXXX. They tell me to call that number back but it leads to a disconnected number for a permanently closed business by the name of patriot land title in XXXX Indiana. 

The caller refers to their company as Medical & Professional Collection Services which when you look that business up the actual phone number is XXXX
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (CA)

In XX/XX/2019was having some personal problems so I called Elan Financial and set up my credit card on a payment plan. Everything has been on automatic payments and no payments have been missed. I have the bank statements and proof of payment that can be provided. The reported to the credit bureaus that I wasn't making my payments and the card was charged off yet they continued to take my monthly payments. Working two jobs the last two years I saved up enough money and paid the remaining balance of the card off in full. A month ago they updated my credit reports stating this is now a collection and charge off and I was not paying as agreed. This was incorrect. All payments where made on time per the written agreement I was sent. This has now ruined my credit and I need to get this fixed. I called and no one will help me. My next step is to get an attorney involved.
Consumer complaint received 2020-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (FL)

Discover closed my account for know reason upon getting approved of the credit card they took me through various verification process I supplied my bank statements proof of address and paperwork from irs validating my identity exc. I barely use card and pay on time for 3 months as covid19 approach they paused usage of card and ask me to sign a release form from irs from filings of XXXX being that irs was shut down and they werent able to get verifiable information they ask me to submit 3 months bank statements for verification I submitted and I noticed through XXXX that they flagged account saying its closed. With know explanation.
Consumer complaint received 2021-06-03
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)

XXXX XXXX has responded to complaints that I have filed with CFPB in which they have admitted on three occasions that there were fraudulent charges to my account .These charges led to fees and charges to the account by XXXX XXXX. XXXX XXXX has never mentioned the legitimate charge for which I paid XXXX  XXXX and then the product I purchased arrived broken and I returned the product and the vendor credited my account leaving the account with a credit balance which XXXX XXXX owes me. Documentation supporting my position was mailed to XXXX XXXX Customer Advocacy Office however XXXX  XXXX has never acknowledged the documentation. XXXX XXXX has erroneously reported my account as being delinquent thus destroying my credit report.
Consumer complaint received 2021-10-20
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: National Credit Adjusters, LLC (CA)

National Credit Adjusters appeared on my credit report earlier this year. There is no account information nor have I ever received notice of this " debt ''. This " debt '' has never been verified. I submitted two disputes through XXXX on XX/XX/2021 and XX/XX/2021 and was told the information was verified but I was NEVER sent any verification letter. Not one letter has been received at my primary residence from this company. Which in fact still violates my FCRA rights. I have also mailed out a letter on XX/XX/2021 and they have yet mail me any type of response/verification.
Consumer complaint received 2021-06-03
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. (CA)

- Hard Inquiry XXXX XXXX XXXX Date XX/XX/2020 - Hard Inquiry XXXX  Inquiry Date : XXXX XXXX I did not initialized /authorized these credit pull. Called Experian, Sent mails to XXXX or XXXX for verification. XXXX and XXXX told me they do not have any documentation.. or account with me, or application and told me they can not help me. Experian, and Experian ID works tells me to work it out with original creditor. I have security freeze on my account because of these fraud activity. 

I want these incorrect informations removed from my account.
Consumer complaint received 2021-06-10
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. (CA)

It has been nearly 60 days. I have sent Experian a request for explanation as to why my score has dropped 37 points. They are reporting " Too Many Consumer Finance Company Accounts '' this is something new that Experian is placed on my bureau to intentionally lower my score. I have not opened any new account and I do not have any high risk loans in my name. I don't have any Pay Day loans or anything of the sort, I have nearly paid off ALL my credit cards and my auto loans are free and clear. All my loans are either with a Credit Union or a reputable FDIC national bank and I have no department store cards therefore there is nothing that should be on my credit listed in this manner bringing down my score. I have asked Experian to identify said " Too Many Consumer Finance Company Accounts '' and they have failed to do so. Experian has failed to provide me with the required information for me to dispute. I believe Experian is intentionally lowering my score because of my ethnicity. For Experian to continue to report inaccurate information its a defamation of my character and a violation of the FCRA and FACTA.
Consumer complaint received 2018-05-08
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. (GA)

In accordance with the ( FCRA ) Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit reporting agencies are required by Federal Law to verify physical records on the file of the original signed account or contract from any accounts you post on my credit report. 

I have formally requested to see verifiable proof of the original consumer contract with my execution of signature on the record but not NO REPLY from the credit bureaus. I have sent certified letters to Equifax, XXXX and XXXX to no avail. Below is a list of account records I am requesting said verification of. I would like to complain to the CFPB about this clear violation of federal law. 

XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) Thank you for your assistance in this matter and hopefully XXXX, Equifax, and XXXX will follow the laws laid out in the Fair credit Reporting Act.