davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-05
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: EQUIFAX, INC. (UT)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX FST 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 2021-07-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (CA)

Target, I demand that you cease and desist from all forms of communication including my consumer report! My consumer report is in fact a medium! Which means its communication. I demand deletion from all consumer reporting agencies immediately sue to indirect communication! Do not send statements, do not contact me in any form, do not sell any information containing me to any third party or give my personal information to any third party. Cease and desist from reporting in writing regarding this natural person, the original creditor, that I am!
Consumer complaint received 2022-12-14
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. (NV)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$9000.00} ; XXXX  XXXX Balance : {$330.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXXXX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; 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 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My personal information reports inaccurately and I believe that I am a victim of identity theft or multiple accounts have been mixed merged with other credit reports. My name is XXXX XXXX XXXX on my credit report XXXX has listed me as XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. XXXX reports my middle initial as XX/XX/XXXXwhich is also not accurate. On XX/XX/2021 I sent a request for the inaccurate names and addresses to be removed and as of today XX/XX/2021 the inaccurate information continues to report. Please see the attached credit report and letters submitted to the credit bureau.
Consumer complaint received 2021-07-09
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: NAVY FEDERAL CREDIT UNION (CA)

Navy Federal I demand that you cease and desist from all forms of communication including my consumer report! My consumer report is in fact a medium! Which means its communication. I demand deletion from all consumer reporting agencies immediately sue to indirect communication! Do not send statements, do not contact me in any form, do not sell any information containing me to any third party or give my personal information to any third party. Cease and desist from reporting in writing regarding this natural person, the original creditor, that I am!
Consumer complaint received 2021-07-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Accounts, LLC (FL)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have reached out to these companies regarding documentations and proof of contracts and Nothing has been submitted to me. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 


1. XXXX XXXX XXXX-XXXX XXXX {$2000.00} ACCT # XXXX XXXX. 
( NOTHING HAS REMOVED OR RESOLVED ) 2.CAPITAL ACCTS-XXXX XXXX {$440.00} ACCT # XXXX XXXX ( NOTHING HAS REMOVED OR RESOLVED ) 3.XXXX XXXX XXXX-XXXX {$1000.00} ACCT # XXXX XX/XX/2018 ( NOTHING HAS REMOVED OR RESOLVED )
Consumer complaint received 2022-08-11
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. (CA)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this complain certified mail to help establish a legal recourse. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law... Please remove/block the items/account as they are fraudulent & were opened without my consent or knowledge... Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Account : XXXX XXXX XXXX. If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Consumer complaint received 2019-03-06
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PHH Mortgage Services Corporation (PA)

We are doing a short sale since XX/XX/2018 with PHH Mortgage as the mortgage lender. This is an FHA loan and has a HUD partial claim. Now, they denied the short sale because the the homeowner has a Federal Tax Lien. We told him that once we can get the approval letter of the short sale, we can process a discharge of the lien from the property through IRS. 
PHH Mortgage said that according to FHA they will not approve the short sale unless the tax lien is paid in full so the title will be cleared. We told them this is not how it works. Based on FHA loans that we handled before, they just approve the short sale even with the tax lien. I called HUD ad they confirmed that the tax lien should be settled. We were surprised because this is the first time that we heard this matter. The homeowner has financial hardship so she can't pay this lien.
Consumer complaint received 2021-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NV)

I had a check that was presented on my account that I had written to XXXX County. The account I made sure had funds to secure the amount of the check. The check cleared on XX/XX/XXXX leaving a balance in the account at that time of approximately {$4.00} when I checked the account status around XXXX this day. I then went into XXXX and ordered a Tea with the purchase amount of XXXX at XXXX. This left a balance in the account at the time of approx XXXX or so. I then around XXXX went to XXXX where I made a purchase of {$20.00} transferring the exact amount of the purchase into the account to cover the cost. I then made an additional purchase doing the same thing at XXXX and transferring the exact purchase amount as well and did the same thing with 2 other purchases as well. On the morning of XX/XX/XXXX I then discovered Wells Fargo charged me an overdraft fee of XXXX for the check of {$50.00} saying funds were not sufficient at the Time. This was not possible as funds were available and my account had the remaining XXXX in it that I used to purchase XXXX after the check had cleared the account on XX/XX/XXXX. When I called to explain this to the customer service at Wells Fargo they insisted that it was valid and only removed half of the charge from my account. I have had this happen in the past several times with this bank and have already made a complaint because of it and the times of which a ledger goes through in which are not standard banking hours etc and or being charged fees when I know the account was sufficient to cover. I feel this is not an honest and fair business practice and how many other people are being charged in order for the bank to make gains and insisting on The customer being wrong rather than taking responsibility of the mistake
Consumer complaint received 2019-03-06
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. (FL)

On XX/XX/XXXX, I appealed to and disputed a number of fraudulent accounts to the major credit reporting agencies that stemmed from a security breach where I became a victim of identity theft. I disputed the accounts toward the legal grounds of FCRA section 605.b, yet to no avail. I have received no response from any of the aforementioned in regards to this matter.
Consumer complaint received 2016-08-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Hello, I have been banking with Bank of America for over 25 years. Today, I tried to log into my account and could not. I contacted Bank of America and I was informed that they closed my account for business reasons and there was no other explanation from them. I have never bounced a check, I have excellent credit, and I have never had banking related issues with bank of America. I have a lot of auto ACH transactions with BOA that have been set up for years and suddenly shutting down my financial life without any notice or explanation has created tons of problem for me. How can this be legal? Why wo n't they give me time to move my relationship, how can they create such a financial burden for me without cause or notice. This is unfair.
Consumer complaint received 2016-12-27
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Blackhawk Network Holdings Inc. (CA)

I purchased a reloadit money pack so that I could transfer the funds to my XXXX account. I have never used on before, but since it was at my local XXXX I figured it would be easy to do. I purchased it with {$400.00} cash. I have the receipt. I have tried over and over again to access the money through their website but it wont let me sign up, for over a week now. That money was supposed to be used to buy my family XXXX presents. They said it would take 30 business days to refund my money. I think this is a scam. How are they allowed to operate their business like this? Please help me resolve this. I am a hardworking taxpaying family man. Thank you
Consumer complaint received 2020-11-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (PA)

Weve asked this company Target, to send us the following through your agency CFPB. They did not give us a signed contract with my name on it, or a pay off disclosure, or interest rate disclosure, or balance history, or payment history, or a copy of a check from me, or credit insurance, all being asked as of XX/XX/XXXX. 
Now they report I opened this account with them XX/XX/XXXX, and that is four yrs and that is the STATUE OF LIMITATION in the State of Pennsylvania where Ive always lived, so this must be removed from my credit report by law and all pursuing of any debt must stop by law!!!
Consumer complaint received 2022-03-31
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (IN)

Beginning of XX/XX/2022 I had to renew my income based payment plan with Navient and XXXX XXXX. Both have been on the Covid deferment issued by the President. Once Navient approved my renewal and gave me my payment amount, I then received a statement with payment amount and due date and that I was currently a month behind. I received this information by email attached photos below on XX/XX/2022. Once I read the email, I then preceded to contact Navient about the payments being deferred by the President for Covid and Navient replied these loans do not qualify for that. Granted my payments are only {$13.00}, but how do you go from them being deferred to not being eligible just cause you updated the XXXX?? Thanks
Consumer complaint received 2020-04-28
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. (OH)

My name is XXXX XXXX XXXX my SS is XXXX DOB XXXX. My address is XXXX XXXX XXXX XXXX XXXX, OH XXXX. 
I found some addresses on my report that do not belong to me please remove the following : XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX the following cell number are not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-01-05
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: Experian Information Solutions Inc. (MI)

I HAVE FRAUDULENT ADDRESSES AND ACCOUNTS ON MY CREDIT REPORT. I HAVE SENT INFORMATION IN TO THE CREDIT BUREAUS WITH MY POLICE REPORT AND ALL OF MY VERIFYING INFORMATION WITH THE NAMED ACCOUNTS. XXXX, EXPERIAN AND XXXX WILL NOT REMOVE ALL OF THE FRAUDULENT ACCOUNTS. I HAVE SENT THE POLICE REPORT TO ALL XXXX BUREAUS THE POLICE REPORT NUMBER IS XXXX
Consumer complaint received 2020-04-28
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX  XXXX {$0.00}
Consumer complaint received 2015-06-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (SC)

In XX/XX/XXXX, I closed my student checking account at a XXXX branch in XXXX NC. The person that I worked with was rude and informed me I didn't need to sign anything to close my account. In XX/XX/XXXX, I received a bill from a collection agency XXXX for an overdraft fee + transaction (that I didn't make) that supposedly happened in XX/XX/XXXX. It appeared as if my account had been reopened specifically to be charged. The reason behind my closing the account was due to monthly maintenance fees, yet they have no record of any maintenance fees prior to this supposed charge, if my account had in fact been opened my account would have been charged a maintenance fee for every month prior to this "transaction". It is my understanding that once an account is closed, a bank cannot re-open it without the account holders permission. 

  I submitted a dispute and validation request, the information provided seemed weak at best. They sent a response and XXXX statements, spanning three months, the account type is listed as an "Everyday Checking" on the final month, although it is listed as "student checking" on the prior XXXX months. With a starting balance of $0.00 for the XXXX month (which should have been negative if they were charging me a maintenance fee).  After this response, XXXX never tried contacting me again. 
  Now I have received a new attempt to collect on this "account" from Convergent Outsourcing, Inc. It is not a large amount, but I do not owe these people any money.

Of note, when I made my original claim I was told to contact you directly by the Federal Trade Commission.
Consumer complaint received 2021-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (TX)

I opened an account with Chime. My wallet was stolen and returned to me months later. 

I tried to access my chime account to make sure everything was OK and they have shut it down due to " account not being in compliance ''. 

I don't understand how they can shut my account down without my permission and I can't access it online.
Consumer complaint received 2018-02-06
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

To whom it may concern at Wells Fargo, I am writing this letter to explain the series of unfortunate events that have caused me to fall behind on my mortgage. I am writing this letter to explain a few things in regards to my mortgage loan and why I feel should be reviewed for a Loan Modification. We feel a loan modification would benefit us due to the drastic change of our income. My husbands job closed down and I XXXX XXXX had to take an early retirement due to an infusion where I could not perform my usual duties. Weve also had a few unexpected expenses, such as dental bills totalling {$25000.00} combined. Weve also had problems with our basement flooding ; causing mold on the walls and thus we need a new roof. Also, plumbing was done as well and that was very expensive. On top of all of this happening, we had our other usual housing expenses. 
On XX/XX/XXXX I decided to submit a mortgage assistance package to my lender. On XX/XX/XXXX, I spoke with the re-entry department at Wells Fargo and they advised me they could not move forward for the review due to the sale date at that time set for XX/XX/XXXX. I had no other choice but to head to the court house in my county and see a judge in hopes of getting an adjounrment. On XX/XX/XXXX, the judge granted an extension and moved the sale date for XX/XX/XXXX. I re-sent another mortgage assitance packgae to my lender asgain since I had more time now. On XX/XX/XXXX, I was made aware again that my file was not being able to be reviewed for a loan modification. There are 3 reasons why I believe I should be able to be fully reviewed for a loan modification at this time. The last time I was fully reviewed for a modification was back on XX/XX/XXXX, which means theres already been more than a year of time since the last review. Second, I have had a recent change of income compared to the income I last had in XX/XX/XXXX. I now make less income than before. This is another reason why I should be able to be reviewed again. Also, I was advised on XX/XX/XXXX XXXX by XXXX in the re-entry group that the investor for my loan was XXXX XXXX and that I was not able to be reviewed, because I had reached my mod limit. Then on XX/XX/XXXX, I spoke with XXXX XXXX in the Customer Recovery group and again he advised me the investor for my loan was XXXX XXXX. I sent a request in writing asking for my investors name and information. On XX/XX/XXXX, I received the response for my request and I was advised in writing by Wells Fargo, that my investor was actually XXXX XXXX  NOT XXXX XXXX. Therefore, this is another reason why I should be reviewed again, because I was lied to and that kept me from re-applying for a loan modification and during that time I had a foreclosure sale date set for XX/XX/XXXX.