davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-03
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: WELLS FARGO & COMPANY (AK)

XXXX XXXX XXXX said too any delqieuncy on credit but I did that credit check and there no delinquency. Not only that they block my card so I be forced to call so people hacked me more losing XXXX dollars. I don't have have any delquencey they made .e go to someone else to ask for a loan which put a hard inquiry on it. I want all the knquirys o have with yall in the last 8 months removed. 
Basically when I walked in another person who hacked my account drove tot he front desk and told them not to let me have anything and they said they applied for .u personally loan at bank but o check it there no inquires so I did it again. The day after they said delinquency I checked my credit report another 3 months after that are no missing payment. Then they lied trying to obtain more information about me so these XXXX XXXX XXXX get my identity info and pass it to there XXXX  and friends.
Consumer complaint received 2020-11-23
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)

Hello, I've looked at my credit report earlier this morning and saw a few fruadelent accounts on it. Ive contacted the creditors and they inform me to reach out to the credit bureau which i did. They advised me to get a ftc report and i have attached that. I am requesting that these accounts be removed from my credit report. These accounts are not related to any transactions done by myself.
Consumer complaint received 2021-03-31
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. (MN)

I have an account in collection still that I paid off last year. I have disputed this account several times with Experian and they keep stating that the account is valid. 
Date recently disputed was XX/XX/2021. I submitted evidence as well with the dispute. I disputed with all three credit bureaus and the account was removed except for experian. The amount is for {$260.00}. I am also working a credit repair company who has been disputing this item as well with no results changing.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CO)

I have never had a credit card, checking account or any kind of account before and I am receiving numerous letters from various different places. I can not open any account of any kind or cash any checks or write any checks I can not even cash in money orders that I have the receipt for which is odd and outright insulting I can not believe that I out of millions of people am unable to do so I feel like something should be done about this I don't know how I am supposed to make a living while not being able to do anything that anyone else is able to do it is not right and it is not ok
Consumer complaint received 2018-02-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (SC)

A loan mod package was sent to Wells Fargo Bank re entry department and general fax on XX/XX/XXXX.  See attached fax confirmation. WFB is refusing to review the file stating they did NOT get the documents in time. The sale date is set for XX/XX/XXXX. The documents were received XX/XX/XXXX. They  are stating that the sale date is too close to review the info. The inability of WFB to receive a simple facsimile or simply maintain a file is inexcusable. WFB claims it did not receive the info in time. However, not only did we timely send the information, but a successful fax confirmation was kept as a record. The 37 day time frame was met and yet WFB is still not reviewing the documents.

There is no valid reason as to why WFB is refusing to review the file. A complete modification package has been sitting in their institution and they are NOT providing a valid reason as to why they will NOT review the documents. The 37 day time frame is not the excuse when the documents were clearly there since XX/XX/XXXX. Between the misplacement of the financial documents and the poor communication from WFB, it is clear that WFB simply does not want to review Homeowners file for a possible work-out solution. WFB is denying her a workout request based on inaccurate information and refusing to take remedial steps to provide a qualified homeowner with a solution to save the home. By refusing to disclose details about the modification process, WFB is able to deny request at will without any accountability.. It is very apparent that WFB is discriminating against XXXX XXXX and her family based on their race, ethnicity, and national origin. The events described above are just a sample of the practices that are taking place at WFB. WFB appears to be more interested in foreclosing on her home and selling it at auction to make a profit. It appears that WFBs lack of participation in a meaningful modification review of her file indicates a preference to profit directly from her hardship. XXXX XXXX is demanding that WFB review her file.
Consumer complaint received 2022-04-28
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: SYNCHRONY FINANCIAL (NM)

In accordance with the fair credit reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1671 Section 602 states I have the right to privacy 15 USC 168 Section 604 A Section 2 : It also states A consumer reporting agency can not furnish a account without my written Instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures
Consumer complaint received 2021-05-08
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 — Investigation took more than 30 days
Company: SinglePoint GI (NV)

I have attempted to address this matter in the most amicable manner. I sent the enclosed statement ( included on the bottom of the email ) on XX/XX/XXXX and your company failed to address this matter. 

Today is XX/XX/2021 and you are still clearly avoiding to correct your mistake. 
I sent a dispute letter which was received by your company on XX/XX/2021. Your response was dated XX/XX/2021 which is more than the allowed time frame allowed by the FCRA, therefore I demand that you remove the information from my credit report immediately. If you fail to fulfill my request and if you continue to flagrantly violate the FCRA I will pursue legal action against your company. 


XX/XX/2021 To Whom it May Concern, This letter is a formal notice that GENERAL REVENUE CORP has failed to respond to my dispute letter of ( XX/XX/2021 ). I sent this letter registered mail and have enclosed a copy of the return receipt which was signed by was signed for by XXXX XXXX  at XXXX XXXX on XX/XX/2021 in XXXX XXXX XXXX The item was signed for by XXXX XXXX. ( Tracking # Tracking Number : XXXX ) As you are well aware, federal law requires Creditors to respond within 30 days. It has now been over that period since the receipt of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with GERNERAL REVENUE CORP I have included a copy of my original request, the dated receipt of your reception of the original letter and a copy of the proof verifying the incorrectness of the credit item you have mistakenly placed on my records. The following information therefore needs to be verified and deleted from the report as soon as possible : CREDITOR AGENCY - GENERAL REVENUE CORP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete this erroneous item from my credit report as soon as possible. Sincerely,
Consumer complaint received 2019-08-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Leap Credit, LLC (WI)

On XX/XX/2019, an authorized amount of {$600.00} was deposited by Leap Credit into my checking account. I looked at my emails and found a message from Leap Credit saying that my loan request had been accepted - that I should login to sign the agreement and that I should complete the bank verification to complete the loan. I did not sign an agreement and I did not complete the bank verification. I went to their website - I was able to login with my email account and social security number. I found a contract ( it says Request ) in their system with my name ; however, it had incorrect information on the request pertaining to my birth date, pay dates, etc. I contacted Leap Credit by phone and email telling them I did not take out a loan with them. I also looked them up online - finding various nightmare situations where Leap had deposited money into people 's accounts without their authorization. I immediately contacted my bank, filled out a Written Statement of Unauthorized Debit and had the money returned. The transaction was reversed and the amount returned to Leap Credit on XX/XX/2019. I have been going back and forth with LC and have provided all my bank documentation ; however, they still say I owe on the loan and that they never received the money back. I don't know what else to do. Please help! I have documentation if needed.
Consumer complaint received 2017-12-18
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: Fidelity National Information Services, Inc. (FNIS) (NY)

I am a victim of identity theft. I have previously disputed with ChexSystems and have included new information in this dispute. I have attached a copy of the police report I filed. 

The following inquiries were not authorized by me and I request their prompt removal. 

XXXX XXXX XXXX Date : 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 The following addresses are not associated with me and may be the result of fraud. I have included a copy of the police report showing where my identity documents were stolen. Previous disputes submitted to ChexSystems did not result in the deletion of these fraudulent addresses. Identity thieves are using some of these address to open accounts that are not associated with me and ChexSystems now has notification that these addresses are not mine. 

XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX null XXXX, TX XXXX
Consumer complaint received 2019-08-11
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. (NJ)

I disputed against my XXXX account 3 times and every time I have furnished papers stating I paid the amount in full. I am still getting paid less than balance. I want the entire account information deleted.
Consumer complaint received 2022-04-07
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/2022 I stopped at a gas station in XXXX and tried to use my Capital One XXXX card for {$44.00} charge. Attendant showed me his hand held device that said " no sale due to no online connection ''. I was forced to pay cash for the gas but was not provided a receipt-again because the hand held device that prints receipts was not working. Consequently my XXXX was charged for the purchase and I immediately disputed with Capital One and explained that no charge was authorized or signed for and no receipt was given. They have refused to remove the disputed fraudulent charge so I am asking for your help to resolve. Obviously I can not contact merchant as they give no info on the statement other than " XXXX XXXX ''. Please advise what I can do from here as I am not paying them for this fraudulent charge. 
Thank you.
Consumer complaint received 2020-09-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received front and back of checks written to XXXX  stores with my name and address which I dont have account. The secondary name on check listed was XXXX XXXX XXXX and I was required to sign and notarize affidavit to company to release myself of financial obligation. Im uncertain if any other checks have been written to other companies and dont know how to find further details on checking account because the only thing I have is copies of the checks.
Consumer complaint received 2021-03-31
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. (CO)

My loan was first due for repayment XX/XX/XXXX. There has been no payments made by me or any representative of me through any fashion in well over the XXXX for this loan. This loan was removed from my credit report several years ago due to the XXXX and there are several inaccurate payments reported on my account that were never made in an effort to re-age this debt and begin collecting on it again. I have sent several requests to XXXX to provide proof of payments made including where there came from and they refuse to provide me with this vital information that would prove that this debt is well past the XXXX to collect and report on. They now have debt lawyers contacting me daily and harassing me for debt that is well past the XXXX and unable to do so on. they also are reporting on my credit a last payment of XX/XX/XXXX currently, which does not reflect the inaccurate information they have of XXXX in their own documents.
Consumer complaint received 2022-10-11
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (LA)

I was in the hospital majority of XXXX and laid off due to XXXX. I was not aware of servicing transfer to Fay Servicing. When I became aware I found out my home had a foreclosure sale date of XX/XX/XXXX it was less than 37 days of foreclosure sale date. I have tried to speak with servicer but they are not willing to work wit me at all. I have submitted a complete application as of today and the are refusing. They never guided me on where to find an application nor sent me anything but mortgage statements.
Consumer complaint received 2021-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

Capital One is issuing me a new card. The new card has contactless capability as a new feature. I called and requested a card that does not have contactless. They said they do not have those cards anymore and all new cards are contactless. That means theyare putting my information at risk. 

I work in information security. I have both XXXX and a security clearance with special program access. I know the dangers inherent in a contactless card, and I am horrified that a bank is pushing this on me without any alternative.
Consumer complaint received 2018-10-02
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)

as of XX/XX/2018 Equifax still haven't removed the paid repossession from my credit report when the other two reporting angencies have I have tried at least 4 times to dispute this with no avail they are refusing to remove it .its either this or court d to inproper investigation its their choice
Consumer complaint received 2022-04-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MI)

A chase scammer gained remote access to my computer which I shared and induced {$2200.00} out of my account over 2 days though XXXX ( chase ) and Chase bank won't follow regulation E and give me a refund. I don't know what to do next, I feel badly scammed. 

XXXX XXXX These are the two chase XXXX  transactions that I was scammed on.
Consumer complaint received 2021-12-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I was purchasing something over XXXX of {$170.00}, turns out it was a scam and the person never returned my money. The money was sent on XXXX XXXX. I sent the case to Wells Fargo but they didnt approve of my claim on XXXX XXXX and my card was charged back of {$170.00}.
Consumer complaint received 2021-09-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OH)

Experian reporting agency is nit keeping up with my current status. 
The other two are almost 80 points higher. 
When i call them the give me the run around about fico the same fico the other two agency use what is going on? 
They also said i filled a dispute with XXXX  XXXX  on the XXXX  today and i did not? 
They are very confusing to talk to. 
Please help explain why there is such a difference between the other two agency and Experian?
Consumer complaint received 2020-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

XXXX is reporting inaccurate payment history, across XXXX, Equifax and XXXX, please Delete per the Fair Credit Act. 611 There are 6 XXXX account with the same account number : XXXX Please see attachment.
Consumer complaint received 2021-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC ()

Shellpoint took over my mortgage over a year ago. For the last few months, they have been over charging me fees for taxes and insurance that I do not have with them. My XXXX payment had also been moved into an account that I knew nothing about and they kept telling me my mortgage was late. As of today which is XX/XX/21, they are still charging me for taxes and insurance. I have my own insurance and I have called these people numerous times. I am not sure why they keep screwing up my account but Im tired of them. This is the worse company ever and I dont know what the problem is with them and other peoples money.
Consumer complaint received 2020-09-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (IL)

i contacted equifax on XX/XX/2020 and spoke with a representative about inquires on my credit report I sent documentation in 60 days ago and there was no response I also asked for a debt verification and validation of my debt and the representative refused to send it to me
Consumer complaint received 2021-03-31
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LAKEVIEW LOAN SERVICING, LLC (NY)

I made the monthly payment of {$1400.00} on XX/XX/2021 to satisfy my monthly mortgage due on XX/XX/2021. The amount was taken out from my XXXX Bank account. However, on XX/XX/2021, this mortgage company reversed the payment, claiming that it was " Misapplication Reversal ''. I have been trying to contact with them, but they refused to respond. Furthermore, I am not sure where {$1000.00} payment and reversal came from. 

I am in fear that they are using this tactic to foreclose my property. This is unconscionable and I hope CFPB would investigate it.
Consumer complaint received 2020-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have checked my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize these accounts and have never incurred a debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. Also, It could also be possible you are mixing up these accounts with someone that has a similar name as me. The accounts are not mine, and I would like them immediately deleted.
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (UT)

Comenity Bank/ XXXX XXXX reporting erroneously on my credit file. I recently checked my credit file and noticed the delinquent notations they have added to my account. I do not remember being late on the dates they have reported nor have I ever received any letters, calls, or notices about late payments from Comenity Bank.
Consumer complaint received 2022-10-11
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: Experian Information Solutions Inc. (AR)

SEE PRIVOUS COMPLAINT XXXX IT HAS COME TO MY ATTENTION THAT IT HAS BEEN OVER 30 DAYS SINCE COMPLAINT WAS SUBMITTED TO THE CFPB. 
EXPERIAN AKA CORPERATION HAS NOT PROVIDED ME WITH ANY BONAFIED PROOF OF ANY THE ALLEGED DEBT ACCOUNTS BELONG ON MY CONSUMER REPORT. 
IT HAS BEEN WAY TO LONG THERE NO SUCH THING AS 60 DAYS WHEN DEALING WITH MYSELF AND THE VIOLATIONS THAT HAVE ACCURED BECAUSE OF SAID ENTITY EXPERIAN ASSUMED A ROLE THEY HAD NO PERMISSION TO OR CONSENT TO XXXX AT TOUCHED OR FURNISH ALLEGE DEBT